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Is now still a good time there for you? Fantastic. Michael, 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 us to proceed with that? Fantastic. And just to do a quick security check there for you just to confirm your full name, your date of birth, and address I should have on file. Yep. Lovely. Thank you so much for that. As part of this to kinda make it easier on you, I normally send the the documents to you via email to sort of look at it with me. Are you able to look at your emails at the moment? Yeah. All good. I'm just gonna press send on this one. If you can pop in there real quick and open it. It just makes it easy, and I'll try to run through things as quickly as possible for you there. Okay? Yeah. You're right. Not an issue. How's your day been so far? Oh, wow. Is there a lot of chores to do at home? Yep. Yeah. No. All good. There we go. Yeah. That's okay. Yeah. Yeah. Well, look, honestly, it's not looking too bad at all. I've got some recommendations in here about reducing your risk because we did talk about as you are closer to your time, it's starting to reduce that risk profile a little bit. But we also talked about looking at that transition to your time and strategy where you can increase your contributions into super, but then to because increasing contributions in the super means to take home pay is reduced, we can also just draw a little bit out to kinda replenish your income a little bit. So I've I've got that here for you to go through. Oh, that's okay. You're fine. No. You're right. So the main sort of thing to go through with regard to the strategy is sorry. We're looking at that transition to new retirement sort of strategy where we could increase your contributions into super and also just draw a little bit out to replenish your income. So this sort of strategy allows you to make more contributions into the super system, save a little bit on income tax, but also draw a little bit out so your take home pay remains relatively the same, which makes it a a good strategy all around and helps to boost your super for the last couple of years before your retirement. Yeah. That's okay. You're fine. You're all good. That's the one. Yeah. It should come through from Dana at Oak View Financial or from Odoo. Yeah. Perfect. Excellent. On the front page, so when you click the button that says sign here, it'll show you the statement of advice with your name on the front. It'll have the date today's date, the 08/31/2026 there as well. That's okay. That's the one. Yeah. So it should say statement of advice prepared for Michael Powell with the on the date, sorry, the 08/31/2026. And on the bottom of that front page, you'll have prepared for myself, Dana Taylor, and my lovely team here at Oakview Financial. And my license on the bottom there should be 1304394. No. You're right. It's still loading. Hey. That's okay. Love technology when it wants to work for us. Doesn't work as well? No. No. That's okay. That's the button that you have pressed to move forward. Just give it a time. It should be it might just need a little bit more time. It's all good. Yep. That's okay. No worries. That's okay. You're absolutely fine. Yeah. Absolutely. I'll just press resend on that for you. There you go. It did do it? Oh, beautiful. That's that's the one. Yeah. So that's the document that we'll look at there. So on the front there, you'll see your name, the date there, and at the bottom of that, my license number. So as a full licensed adviser, we are registered with, ASIC, and my registration number is 1304394. Okay? Perfect. Now I'll run through the recommendations with you here on the points that we need to touch on just to kinda give you the information. You're welcome to ask me any questions you need as we are running through things, and then I'll let you go back. So you're welcome to read you the document prior to taking on any of the advice. Okay? Excellent. If you can scroll down to page number three and onwards there for me, this is showing you the areas that the advice is scoped in and out. So we're looking at the area of superannuation with this one. One of the things that we're looking at is that you were hoping to retire at around about age 63 to 65 with the intention of drawing about $500 per week from your super throughout retirement. Obviously, when you get to retirement, we'll fully reassess what you want to live on and what you wanna draw down on a weekly basis. This is just giving us a bit of a guide for what we're sort of tracking for currently. Okay? Excellent. You also wanted to look into increasing some gold exposure within your investment portfolio, and you had asked me to look at the Meeken Metals Limited to see if that was something that you were worth investing in within your super there as well. Does that still ring a bell or yep. Excellent. Excellent. On the next page, we've also looked at the estate planning side of things. So you wanted to make sure that if anything did happen, that your beneficiaries are nominated to have everything paid to Jody and that you also wanted to make sure you guys do have a will and power of attorney in place. With the recommendation side of things, we just recommend that you do speak to a solicitor to have a will and power of attorney drawn up, but we do factor that into the advice to make sure that you're able to seek those services. If you did need us to, we can refer you through to us listed up for the drawing up of any wills, power of attorneys, and things like that. Okay? Excellent. Because you are a bit closer to the retirement years, I've spoken to a limited basis on the next page on page five there. The retirement aspect. This is just sort of looking at based on the current recommendations, what you're sort of tracking for by drawing down five. Sorry. Oh, it's on the bottom of the page. My apologies. It's not It's not showing up at all. Yep. You're a little bit further along than me, but that's absolutely okay. Yeah. If you scroll back a little bit towards the front of the page, one of the headings, it should say scope of advice limited scope. Keep going down. That's really bizarre. It's like rearrange the pages. That's not normal. Oh, that's this one here is scoped in or scope of advice limited scope. That's really bizarre. Definitely, it's changed the pages around a little bit. That should not have happened. I wonder what's missing. Interesting. No. That should be yep. No. So the other one you want is the statement of advice. The appendices, it is a much smaller. It's just got the research component in it. Yeah. That's okay. Yep. That's the one. And then you've got your table of contents, and then you've got your scoping considerations. Yep. Perfect. So that's where we're scoping in essentially looking at superannuation with your goal there. The next page, if you keep going down, is where we're looking at estate planning for you as we just went through there. And then the next page, you've got the limited scope there. So because you are a bit closer to accessing super, we wanted to sort of give you a bit of an idea on where you're tracking for based on the current recommendations. So we've limited scope in the the I sent you the draw down on what this could look like for you based on the current scenario. Okay? The next page outlines where we're not looking at additional advice. So we're not looking at cash flow and debt management that you are hoping to continue to pay down your mortgage and the business loan. You're currently happy to pay that down continuing to do so. If you did need additional advice in that area, we can always come back that down the track there. And the next page has insurance as noted. So we're not looking at any new recommendations around insurance as your main sort of goal with the advice when we spoke last time was focusing on getting your super up there, making it work, and making sure that you could get into a good position to be able to retire. Does that still sound appropriate? Yep. Beautiful. The next is the limited scope page and then the about you section. Can I get you to run your eyes over that a little bit? Are there any major changes to any of that section that we need to maybe update? Right. Beautiful. And then we've also got the next page as your assets and liabilities. Now these could have changed a bit since we last called up there, but are there any major changes you would like us to make in the back end for you in relation to this section at all? To this section at all? Yep. Beautiful. Excellent. We've got on the bottom of that page there your current net wealth super balance. So within net wealth there, you've got about $388,281.79 as your current balance there. Okay? Absolutely. Definitely. Now if you go down for me, on the bottom of each of these page, there should be a page number. Can you see that on the bottom of each of those pages at the moment? No? Yep. Perfect. If you can get on the page number 14 for me, the heading there should be strategy recommendations. Yep. Beautiful. I'm gonna switch to a couple of pages. This is sort of touching the points that we need to, but then you're welcome to take it back and read it before you decide to take on any of the advice. Okay? Beautiful. So this is essentially going through the start of the recommendations there. I did have a look at your super within Netwealth as well as other super funds out there just to sort of see whether we should look at changing any of those. I am recommending that we do retain Netwealth there. Netwealth is a good super fund. There's honestly no real major reasons for moving out of the fund. It just adds unnecessary complex city. But we are recommending that we do switch your investments, and I'll go through that shortly. Essentially, one of the things we look at when we do look at whether switching a fund is appropriate or not is the capital gains consequences. So just like you, your super fund does a tax return every year. They pay income tax, and they pay capital gains tax there as well. So, essentially, if we were to look at switching you out and moving to a new complete new super fund, we would be selling down all of the investments, which would have capital gains consequences to it. So we are recommending we retain that. To give you a bit of an idea, if we had sold down everything and moved out of the fund, it would have triggered over $11,000 in capital gains tax for your super funds. So that's a pretty big chunk off your balance, which can be very difficult to get back. So so limiting that in any way, we're gonna retain NetWell for the time being. I am gonna switch your underlying investments, which actually had a much lower CDT consequence, and I'll show you that in a moment as well. You'll be able to keep your contributions going in at the current rate, and I'll go through a bit more detail around the rest of the strategies there. So right now, it's just retaining Netwealth, continuing to put your contributions in as you have been, and we'll put the investments out for you. If you can move down for me, just the page number 20, the heading on this one is recommended investments superannuation. You'll see a table, and it's got lots of different investments noted in the table. Yep. You can't miss that one. Now this is essentially showing you what we're looking to do within the portfolio. So at the moment, you're in that growth environment, which as we kinda went through last time, sees 80% in those growth assets. So things like Australian shares, international shares, listed property, and commodities like gold and silver. When you are closer to accessing super like you are, it's important to start considering reducing your risk level significantly. Essentially, we talked about reducing your risk level and moving from that growth environment to a more balanced environment, which reduces your growth in the investment allocation from 80% to 60% essentially or as close to 60% as possible. It's about taking less risk in the market and having more defensive or income producing assets within your portfolio, and doing that in a way that you're sort of reducing your risk level, having more income production within the portfolio, but also more capital stabilization. So the idea is to protect the super you have. You still wanna get growth and income out of that at a more stable level and without taking too much risk because you are closer to accessing super. One of the biggest things I tend to try to avoid is where you're wanting to access your super, but at the time that you decide to retire, there's a very large market dip which you would take into effect. If you think back to the GFC, around that 02/2007, 2008, that was probably one of the biggest times that a lot of people saw that. There was a lot of pea previous clients who were trying to, you know, access their super around that time. And when they were retiring, the GFC kinda hit, which meant that if they continue to retire and stop working, they would be cementing the losses. So reducing your risk level essentially comes into that aspect in trying to protect the capital you have within so far. So what we wanna do with your portfolio is, at the moment, you've got some physical gold in there. One of your things is that you wanted to increase your exposure into physical gold, and absolutely fine to do so. You have about 8.27% there at the moment. In the balanced portfolio, we're gonna increase that to 10% for you. That it's only a it's only a small increase, and one of the reasons I'm not increasing it above that level is that gold, whilst it is a good commodity, has seen really good growth, there's no income that's produced out of it. So in order to take advantage of the growth that is produced from physical gold, you have to then sell the asset and cement the gains to redistribute them. So it is good to have more gold in your portfolio. It does act defensively at certain times, which is great, but it's also not an income product producing asset. So we wanna hold about 10% in there. It does mean that you have more than you currently have, which is a benefit for you. Okay? Excellent. You've also got the beta shares a 200 in there. This is giving you exposure to the top 200 companies on the ASX. At the moment, you've got about 34.23% in that balanced environment. We only wanna hold 30%, so we're gonna reduce that exposure and sell some of that investment for you. Okay? You've also got your Vanguard fixed interest. So this is giving you access to sent sorry. Fixed interest, so bonds and cash investments, term deposits, and things like that. You hold about 9% there at the moment. In this balanced environment, we wanna hold a bit more of that investment, so we're gonna increase your exposure to 22% there. It means buying a bit more. You've got there the BetaShares cybersecurity, essentially, currently holding 5.51%. We wanna reduce that exposure to 4%, so it just means selling a little bit of that investment off. Okay? We've also got the iShares Europe is the next one down. This is giving you exposure to all 16 European countries, so both established and emerging markets, which is great for diversification. You're only just overexposed at the moment. You've got about 4.66%. We wanna hold about 4%, so it's just about selling off a very small portion of that to rebalance you back a little bit. Okay? And then we've also got the iShares of Japan for giving you exposure to the Japanese market. You've currently got 4.04%. We only wanna hold 4% of that investment, so we're just selling off about $200 of that one just to rebalance you back a little bit. And then also holding the S and P 500. This is giving you exposure to the top 500 companies on the American market there. You've got about 25 invested in this portfolio. We only wanna hold about 20% of this investment, so we'll be selling a little bit of that for you to rebalance you back a little bit. Okay? Excellent. So just made a slight changes, and essentially means that we're lowering the CGT. It's also a low risk portfolio, but still maintaining its exposure to a diversified range of investments. And not everyone's that interested in all of those, but do you have any questions so far? No? That's okay. Excellent. All good. Now one of the other things that we do look at, that you wanted me to look at as well was the Mica Metals. You wanted me to have a look to see if it was worth adding any of this into your super. I did have a look at it, and I did sort of go to portfolio. And that is essentially because of based on our analysis and the research we were able to look at, it is a very volatile asset. So it goes up and down in, you know, very it is very volatile. It goes up and down in very short time frames and historically has fluctuated pretty drastically. So, essentially, we assess the risk level as being too high for your super based on your risk capacity, your tolerance. However, if you wanted to look at investing in in your own name outside of super, it is something you could definitely look at. I'm more than happy to provide you with the research data. We just sort of we just wanted to sort of look at with your super, you're tracking towards retirement. We don't wanna do anything that's gonna put too much risk on your super. We want you to get to retirement and enjoy your retirement years, not be having to make money back because of a large drop because of a certain portfolio or a certain asset in your portfolio there. So we're not adding that in. We're keeping you in a more conservative environment and looking after your super for you. But I do have in that document there a little bit of information around why we did and or did not look at it for you, why we did or did not add it into the portfolio so you can sort of see that as well. Okay? Excellent. On the next page, if you scroll down, you'll see your cash investment there. Now within Netwealth, we wanna hold about 2% cash. At the moment, you've got about a bit of a 4% there. So, realistically, you've got too much cash sitting there. We're just gonna reinvest about 9,000 of that and make sure that you don't hold any more cash than what you need to within your portfolio. Okay? Excellent. Beautiful. If you can scroll down to the next page for me, the next one down has the proposed asset allocation. Beautiful. Now this is sort of showing you essentially where the asset allocation sits with you currently versus what I'm recommending. So you I'm sort of looking at the two columns, the existing and the proposed there. So the existing, when you look at the growth assets, it's it shows it's the bold column. You'll see 87.72%. So at the moment, you're sitting in more of that growth profile. By making these slight changes to your super, we're essentially reducing your growth assets down to about 76%, which is a positive for you. Okay? Excellent. And then we've also got at the moment about 12.28% in defensive assets, so things like cash, bonds, fixed interest, things like that. We're increasing those defensive assets. They're more lower risk, and we're increasing them to 24% with this new portfolio for you. Okay? Excellent. It can be a lot. This is why we sort of want you to look at the document with me, but do you have any questions at the moment? Is there anything you wanted me to kinda go through in more detail or run through with you? Yeah. That's okay? Beautiful. Now the next page is where it gets a little bit more complex. This is looking at that transition retirement strategy, essentially. So if you go down to the next page, it'll have the transfer time strategy outlined for you, and that's on page 23. Is that what you can see? Beautiful. So, essentially, what we're gonna do now the way this essentially works is that it helps you by increasing contributions in your super. So you'll be able to start salary sacrificing an additional $200 per week into your super. So you're essentially adding an extra $10,400 across the year into super as salary sacrifice. However, because normal salary sacrifice means that your take home pay is reduced, what we're able to do, because you're over the age of 60, is we're able to open up a second. It's called a transition retirement pension account. So you will have two super accounts, one super accumulation where your contributions go into, and we'll have a second kind of pension account with a 165,539 sitting in that. The other 233 remain in your super account. What we're able to do is once you start that $200 per week contribution in the super, to make sure that your take home pay basically stays at the same level as what it is currently, we'll start to be able to draw down on that. Essentially, we're able to draw down up to 10% of the balance, and we're gonna be able to withdraw $6,622 on a yearly basis if I work out that per week for you. 52. It's about a $127.34 per week, and that replenishes your income, essentially. So you end up putting more money into super into the tax effective environment, the $200 per week, where it's only taxed at 15% instead of your marginal tax rate. You end up with more money sitting in your super invested working harder for you. And then we draw out a small amount of money less than you're putting in about a $127 per week out of the super system to your bank account. It replenishes your income, and the amount you take out of the super system is completely tax free for you. Does that make sense? Do you have any questions? Well, the main thing is that it's keeping your take home pay basically the same. So because you're putting that that $200 into super every week, you're actually coming out with, you know, less than $200, but your, you know, your take home pay is reduced. So because life is expensive, we draw a little bit out of your out of the super system to kinda replenish your income. If at the end of the year, you don't need that, you wanna put it back into super, you're always welcome to let me know. We can definitely look at doing that for you. But we just wanna make sure that with this strategy that you're not less short in any way because growth is expensive at the moment and no minor shopping. Yeah. If you go down for me to the next page to page 25, I can show you in numbers essentially how this looks for you. Yeah. So we've worked out your income based on your contributions and the information that we've been able to work out. So we've worked out on average, you should get about a 160,000 in income. In the current position, you're not making any current salary sacrifice contributions. In the proposed, we're recommending $200 per week, so 10,400 over the course of the year. That reduces your taxable income down to a 149,600. So because the salary sacrifice is deducted from your income pretax, it reduces your total taxable income. Then you're paying income tax. So in your current position, paying roughly 43,470 on income tax each year. By increasing salary sacrifice, you're reducing the income tax to $39,415. So it's giving you essentially a reduction in income tax, which is a benefit. You pay less income tax. However, it doesn't reduce your your net income. So when you think about your current scenario, current income minus the income tax payable, it means that your take home pay is actually about a 116,530. Under the proposed, we start with a 160. We increase the contributions to super. We're then lowering the income tax, but it also means that the take home pay is reduced to about a 110,000 as well. So in order to replenish that so you can still pay your bills, go on your holidays, and do all the work that you need to pay for groceries, we we draw out of the super system $6,622 on a yearly basis or about a $127.35 per week, and that is paid to your bank account. And, essentially, at the bottom there shows that you it reduces or it brings back your net take home pay. It actually gives you a little bit more take home pay than what you're currently getting, which is also a benefit. But you're essentially gonna have the same take home pay. It's just coming from two different sources. The amount of money you're receiving out of the super system because you're over 60 is completely tax free. Under the transition time and strategy, we're only able to access on this financial year up to 10%. So we're not able to access the full balance in under pension until you retire. But this kind of strategy is really cool because it allows you to put more money into super, take advantage of that more tax effective strategy. It's essentially think of it as moving money around in a more tax effective way. Instead of receiving all of your salary, personally, I'm paying more income tax. You're putting an extra $200 per week in the super. That reduces your salary and the income tax that you're paying. But because you would normally have, you know, less money in your bank account each week, we use some of your existing super, and we start a secondary pension account. From that pension account, you draw down a $127 per week that goes into your bank account. And, essentially, we reevaluate that strategy every year, and we can keep rolling in and out and updating the figures on a regular basis. Instead of you paying 30 odd percent tax on that money, it's only paying 15% in the super system. Does that make sense? Yeah. Yeah. It's pretty cool the way it works. It's a strategy that not everyone can do. You have to be over 60 to be out of benefit in these types of really fun strategies, so it's a benefit to getting older, essentially. But it ultimately keeps your take home pay the same. You put more money in the paper, and you pay less tax, which is never a bad thing. Yeah. All good. If you can move down for me to page number 30, I can show you essentially the outcome and the projected outcome of what this should look like for you. Beautiful. So at the moment, your current scenario has your current Netwealth account there and the fees that you do pay. You pay administration fees, investment fees, the ongoing service fee for us, and also contributions going in there. No pension withdrawal at the moment. By starting the strategy, doing the investment switch, and then opening the trans transition to retirement pension, you'll have the two accounts. The accumulation, which is your super, that's essentially where your your money is now. It's in the accumulation phase. We're accumulating wealth for retirement. We'll leave 233,000 in that account. Sorry. In the pension, we'll open it up with a 165,539. After completing the investment switch and you remember how I talked before about, yeah, if we were to sell down all the investments, the CGT would have been over $11,000? Yeah. So by keeping everything in net wealth and just making the smallest switch with with your investments, the expected capital gains consequence for your super fund is about 1,381. So we can reduce your risk level and alter those investments as we need to, and it reduces the amount of tax that your super fund would have to pay, which is a benefit. Okay? Excellent. Essentially, you then have the two accounts. You've got your ongoing administration fees. That is two accounts, so it does mean that they are slightly higher. However, we can also save not a great deal. It's about a dollar, but the newer investment portfolio is actually cheaper by about a dollar a year for you. So that is slight benefit. We'll save that $1. Ongoing service fees are reduced a little bit, which is great just because of the difference in the balance there, and you are drawing some funds out. And then you've got underneath there your contributions going in. So it increases your contributions. So your net after tax contributions in the super for the year would be about 25,160. And then the pension withdrawal out, we take the 6,000 it's essentially 6,622 out of the super system for you, which goes to your bank account to assist you. Okay? Excellent. Underneath that, you can sort of see the projection table. So under your current scenario, we could see over the next sort of two to four years, you're ending up with about, yeah, 460,000 to 540,000. However, under the recommended strategy with increasing contributions, replenishing your income, and also reducing your risk level in the portfolio, we can actually see over the next sort of two to four years, we can expect you to have a much greater super in there. So a bit of a 470,000 in around about two years. And in four years, you could end up with a bit of a 550,000 there. So you're taking advantage of the market and sort of helping to provide a greater benefit to your super long term there as well. Alright? Do you have any questions at all? You're welcome to let me know if you do. That's okay? Beautiful. If you go down to the next page, this is essentially showing you once you kind of get to the age of 63, 65 there, what we can sort of expect with the drawdown aspect. Yeah. This is essentially starting at 62. But if you decided to start at 65, it does provide you with a greater benefit there, provide longer term. But essentially shows that by drawing down what you want to on a yearly basis, we can sort of see your super lasting a bit longer there. And projecting forward to around about age 70 to 71, this is sort of looking at just your pension drawdown if we kinda refreshed everything moving forward. And you can sort of see the projected outcome up to about age 70 there. So this does depend on market reactions. Markets go up. Markets go down. Yeah. But it kinda shows you where you're essentially tracking forward and what this might look like if you kept doing it longer. And then depending on when you actually choose to retire, what income you wanna draw down in retirement, then we can kind of look at how that works down the track for you and how long your super would last without a contributions going in. Does that make sense? Yep. Beautiful. Fantastic. But, honestly, it it looks really good. It looks like it can definitely put you in a really good position, and adding more money to super now, giving you that last little boost over the next couple of years towards you wanting to stop working and fully retire, means that we can take advantage of the market and lowering your risk level as well to put some protections in in place for your capital for your super. Yeah. Excellent. The last couple of pages are just about making sure that you do speak to us, Melissa, that have a will and power of attorneys drawn up and things like that. And when it comes to opening up the the pension accounts, we'll make sure that your beneficiaries are also nominated on file there to make sure that that is all covered. Okay? Excellent. That can be a lot, and you're welcome to definitely go back and have a good read Let me know if you do happen to have any questions prior to, you know, you decided to take any of the advice there. But do you happen to have any questions at the moment? Has anything kinda come up in the course of our conversation with regard to that? Beautiful. Fantastic. And you're on you're an ongoing service client at the moment. So you're on a ongoing service fee of 1.65%. That would essentially just be prorated across the two accounts there for you as well, so no change to that currently. Beautiful. So what I'll do is I'll let you go back. You're welcome to have a read through the document. How we would go through implementing this if you decide to take on the recommendations is essentially, I'll start by doing the investment switch first. While everything's in one account, we switch the investments. Once that has been completed, my team will get your bank account information so they can set up the pension account. That can take between two to five days depending on how busy Netwealth are. They would transfer the money into the pension account, leaving that 233 behind in the super account there. I will never get you the salary sacrifice until we know when your first pension account when your first pension payment is to be drawn. So my team will set up your first pension account pension payment, sorry, of the $127.35. They'll let you know what day that's expected to be paid. They can also set it up. And when they call to get your bank details, they'll also check when you want that to start. So whether you want it to be paid on the same day as your employment income or whether you wanna pay it on a different day so we can align that with your income. And then once they know once they know what date your pension payment is due to be paid from the account based pension, they will then give you the salary sacrifice letter to be provided to your employer, and then you can start that. The reason I do it that way is that I don't want you to be putting salary sacrifice in, having less income, and not having that income replaced. So I like you to receive your first payment first, then we salary sacrifice. That way, you're not left short for any particular, couple of weeks. Does that make sense? Beautiful. All good. Well, that's basically the entire strategy, and thank you so much for taking my call today. I really appreciate it. You're welcome to go back and have a read through the document. If you do find you have any questions, let me know. I'm just gonna really quickly also check your ID is up to date because to open the account, they will ask for an updated copy of your identification to your driver's license. Let's double check that while I have you here. Sorry. Sorry. My computer's having a moment. Here we go. Yep. So if you're happy to take on the recommendations, there is a little signing section on the very last page. There's a button that says sign. It will help you to electronically sign the document and then date it, and then it will just once you've pressed finish, it'll come directly back to us, and we'll start to implement it. If you feel like you wanna take some time to read through it first before taking the recommendations, you don't have to sign it now. You can take it back, have a read through it, and then sign it when you are comfortable to do so. It is completely up to you. Okay? If you're on the signature page, is there a button that says sign like, it should have a little with your name in it? That is really weird. Maybe it didn't attach. It should have attached properly. Yeah. I can see it's got one there. It's in the signature botch. It should say signature Michael Power or just Michael Power in some funny, cute writing. Yeah. That's okay. Did you want me to get one of my team to give you a call a bit later just to check how you're going if we don't see it come back or just a couple of days? What would you sort of prefer for a check-in? Now? Okay. Not a problem at all. Yeah. That's alright. Not coming up? Maybe if you go out of the eave, eave yeah. Maybe if you go out of the email and back into it again. Yeah. That's okay. The other option is I could always ask someone to send it through you via Adobe Sign. It might work out easier for you. Oh, alright. Yep. Yeah. I'll get one of my admin team members to give you a call starting to see if you have any troubles. They can also talk you through the signing process. If it's still not working, they can also send it through via another system to see if we can get it sorted for you. Okay? All good. The other thing I just wanna check on, so you'll be uncontactable for a period of time. If we do the investment switch, it can take generally about a week to have the investment switch completed. Then we normally go through and set up the TTR side of things, and my team will have to give you a call just to to find out your bank information for that. How long before they should give you a call? Is it, like, one to two weeks that you'll be working for? How long before you'll be able to be yep. Yep. No worries. Yep. I'll get someone to send it via Adobe sign and follow-up for you. Not a worry at all. All good. Perfect. Well, I'll let them know to be in contact in about two weeks. Yeah. If there's a re a reason to give you a call prior, they can always try, but I'll let them know that you'll be uncontacted. Well, roughly for two weeks, and then we can do that TTR side of things for you then, make it easier on you. Okay? Yep. How's it's working for you? Alright. My apologies. Sorry. No. No. You're fine. Yep. Beautiful. I will just refresh that. Is it saying finish or done or loading at the bottom? Is there anything sorta happening? Yep. Yep. If you click on the sign if you click on the signature, and then it should allow you to click on the date as well. Beautiful. And then next document at the bottom there, it should take you through if there's anything else. Yep. And then once you get to the bottom, it'll tell you that it's finished. Oh, okay. That's alright. Did you want us to send do you have a printer or it's alright? Yep. That's the one. That's the last section. And I'll just refresh it. Just refreshing for you. Yeah. That's okay. That's not a problem at all. It should come through fairly easy in the next few minutes. So do you want me to wait here for it or just give you a callback if you will do. I'll let the team know to give you a call later if there's any issues. Thank you so much for your time today, Michael. I hope you enjoy the rest of your day. Oh, legend. I'll wait for it to come through. Oh, there it is. Just let me know. It's all come through perfect. You did great. Thank you. I'll talk to you soon. See you later. 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Michael. It's Dana from OV Financial. How are you this afternoon? I'm very well. Thank you.\n\nThanks for asking. I had you booked in to go through your updated statement of advice. Is now still a good time there for you? Fantastic. Michael, before we jump into the call, just to let you know we do record our calls for quality and training purposes.\n\nAre you happy for us to proceed with that? Fantastic. And just to do a quick security check there for you just to confirm your full name, your date of birth, and address I should have on file. Yep. Lovely.\n\nThank you so much for that. As part of this to kinda make it easier on you, I normally send the the documents to you via email to sort of look at it with me. Are you able to look at your emails at the moment? Yeah. All good.\n\nI'm just gonna press send on this one. If you can pop in there real quick and open it. It just makes it easy, and I'll try to run through things as quickly as possible for you there. Okay? Yeah.\n\nYou're right. Not an issue. How's your day been so far? Oh, wow. Is there a lot of chores to do at home?\n\nYep. Yeah. No. All good. There we go.\n\nYeah. That's okay. Yeah. Yeah. Well, look, honestly, it's not looking too bad at all.\n\nI've got some recommendations in here about reducing your risk because we did talk about as you are closer to your time, it's starting to reduce that risk profile a little bit. But we also talked about looking at that transition to your time and strategy where you can increase your contributions into super, but then to because increasing contributions in the super means to take home pay is reduced, we can also just draw a little bit out to kinda replenish your income a little bit. So I've I've got that here for you to go through. Oh, that's okay. You're fine.\n\nNo. You're right. So the main sort of thing to go through with regard to the strategy is sorry. We're looking at that transition to new retirement sort of strategy where we could increase your contributions into super and also just draw a little bit out to replenish your income. So this sort of strategy allows you to make more contributions into the super system, save a little bit on income tax, but also draw a little bit out so your take home pay remains relatively the same, which makes it a a good strategy all around and helps to boost your super for the last couple of years before your retirement.\n\nYeah. That's okay. You're fine. You're all good. That's the one.\n\nYeah. It should come through from Dana at Oak View Financial or from Odoo. Yeah. Perfect. Excellent.\n\nOn the front page, so when you click the button that says sign here, it'll show you the statement of advice with your name on the front. It'll have the date today's date, the 08/31/2026 there as well. That's okay. That's the one. Yeah.\n\nSo it should say statement of advice prepared for Michael Powell with the on the date, sorry, the 08/31/2026. And on the bottom of that front page, you'll have prepared for myself, Dana Taylor, and my lovely team here at Oakview Financial. And my license on the bottom there should be 1304394. No. You're right.\n\nIt's still loading. Hey. That's okay. Love technology when it wants to work for us. Doesn't work as well?\n\nNo. No. That's okay. That's the button that you have pressed to move forward. Just give it a time.\n\nIt should be it might just need a little bit more time. It's all good. Yep. That's okay. No worries.\n\nThat's okay. You're absolutely fine. Yeah. Absolutely. I'll just press resend on that for you.\n\nThere you go. It did do it? Oh, beautiful. That's that's the one. Yeah.\n\nSo that's the document that we'll look at there. So on the front there, you'll see your name, the date there, and at the bottom of that, my license number. So as a full licensed adviser, we are registered with, ASIC, and my registration number is 1304394. Okay? Perfect.\n\nNow I'll run through the recommendations with you here on the points that we need to touch on just to kinda give you the information. You're welcome to ask me any questions you need as we are running through things, and then I'll let you go back. So you're welcome to read you the document prior to taking on any of the advice. Okay? Excellent.\n\nIf you can scroll down to page number three and onwards there for me, this is showing you the areas that the advice is scoped in and out. So we're looking at the area of superannuation with this one. One of the things that we're looking at is that you were hoping to retire at around about age 63 to 65 with the intention of drawing about $500 per week from your super throughout retirement. Obviously, when you get to retirement, we'll fully reassess what you want to live on and what you wanna draw down on a weekly basis. This is just giving us a bit of a guide for what we're sort of tracking for currently.\n\nOkay? Excellent. You also wanted to look into increasing some gold exposure within your investment portfolio, and you had asked me to look at the Meeken Metals Limited to see if that was something that you were worth investing in within your super there as well. Does that still ring a bell or yep. Excellent.\n\nExcellent. On the next page, we've also looked at the estate planning side of things. So you wanted to make sure that if anything did happen, that your beneficiaries are nominated to have everything paid to Jody and that you also wanted to make sure you guys do have a will and power of attorney in place. With the recommendation side of things, we just recommend that you do speak to a solicitor to have a will and power of attorney drawn up, but we do factor that into the advice to make sure that you're able to seek those services. If you did need us to, we can refer you through to us listed up for the drawing up of any wills, power of attorneys, and things like that.\n\nOkay? Excellent. Because you are a bit closer to the retirement years, I've spoken to a limited basis on the next page on page five there. The retirement aspect. This is just sort of looking at based on the current recommendations, what you're sort of tracking for by drawing down five.\n\nSorry. Oh, it's on the bottom of the page. My apologies. It's not It's not showing up at all. Yep.\n\nYou're a little bit further along than me, but that's absolutely okay. Yeah. If you scroll back a little bit towards the front of the page, one of the headings, it should say scope of advice limited scope. Keep going down. That's really bizarre.\n\nIt's like rearrange the pages. That's not normal. Oh, that's this one here is scoped in or scope of advice limited scope. That's really bizarre. Definitely, it's changed the pages around a little bit.\n\nThat should not have happened. I wonder what's missing. Interesting. No. That should be yep.\n\nNo. So the other one you want is the statement of advice. The appendices, it is a much smaller. It's just got the research component in it. Yeah.\n\nThat's okay. Yep. That's the one. And then you've got your table of contents, and then you've got your scoping considerations. Yep.\n\nPerfect. So that's where we're scoping in essentially looking at superannuation with your goal there. The next page, if you keep going down, is where we're looking at estate planning for you as we just went through there. And then the next page, you've got the limited scope there. So because you are a bit closer to accessing super, we wanted to sort of give you a bit of an idea on where you're tracking for based on the current recommendations.\n\nSo we've limited scope in the the I sent you the draw down on what this could look like for you based on the current scenario. Okay? The next page outlines where we're not looking at additional advice. So we're not looking at cash flow and debt management that you are hoping to continue to pay down your mortgage and the business loan. You're currently happy to pay that down continuing to do so.\n\nIf you did need additional advice in that area, we can always come back that down the track there. And the next page has insurance as noted. So we're not looking at any new recommendations around insurance as your main sort of goal with the advice when we spoke last time was focusing on getting your super up there, making it work, and making sure that you could get into a good position to be able to retire. Does that still sound appropriate? Yep.\n\nBeautiful. The next is the limited scope page and then the about you section. Can I get you to run your eyes over that a little bit? Are there any major changes to any of that section that we need to maybe update? Right.\n\nBeautiful. And then we've also got the next page as your assets and liabilities. Now these could have changed a bit since we last called up there, but are there any major changes you would like us to make in the back end for you in relation to this section at all? To this section at all? Yep.\n\nBeautiful. Excellent. We've got on the bottom of that page there your current net wealth super balance. So within net wealth there, you've got about $388,281.79 as your current balance there. Okay?\n\nAbsolutely. Definitely. Now if you go down for me, on the bottom of each of these page, there should be a page number. Can you see that on the bottom of each of those pages at the moment? No?\n\nYep. Perfect. If you can get on the page number 14 for me, the heading there should be strategy recommendations. Yep. Beautiful.\n\nI'm gonna switch to a couple of pages. This is sort of touching the points that we need to, but then you're welcome to take it back and read it before you decide to take on any of the advice. Okay? Beautiful. So this is essentially going through the start of the recommendations there.\n\nI did have a look at your super within Netwealth as well as other super funds out there just to sort of see whether we should look at changing any of those. I am recommending that we do retain Netwealth there. Netwealth is a good super fund. There's honestly no real major reasons for moving out of the fund. It just adds unnecessary complex city.\n\nBut we are recommending that we do switch your investments, and I'll go through that shortly. Essentially, one of the things we look at when we do look at whether switching a fund is appropriate or not is the capital gains consequences. So just like you, your super fund does a tax return every year. They pay income tax, and they pay capital gains tax there as well. So, essentially, if we were to look at switching you out and moving to a new complete new super fund, we would be selling down all of the investments, which would have capital gains consequences to it.\n\nSo we are recommending we retain that. To give you a bit of an idea, if we had sold down everything and moved out of the fund, it would have triggered over $11,000 in capital gains tax for your super funds. So that's a pretty big chunk off your balance, which can be very difficult to get back. So so limiting that in any way, we're gonna retain NetWell for the time being. I am gonna switch your underlying investments, which actually had a much lower CDT consequence, and I'll show you that in a moment as well.\n\nYou'll be able to keep your contributions going in at the current rate, and I'll go through a bit more detail around the rest of the strategies there. So right now, it's just retaining Netwealth, continuing to put your contributions in as you have been, and we'll put the investments out for you. If you can move down for me, just the page number 20, the heading on this one is recommended investments superannuation. You'll see a table, and it's got lots of different investments noted in the table. Yep.\n\nYou can't miss that one. Now this is essentially showing you what we're looking to do within the portfolio. So at the moment, you're in that growth environment, which as we kinda went through last time, sees 80% in those growth assets. So things like Australian shares, international shares, listed property, and commodities like gold and silver. When you are closer to accessing super like you are, it's important to start considering reducing your risk level significantly.\n\nEssentially, we talked about reducing your risk level and moving from that growth environment to a more balanced environment, which reduces your growth in the investment allocation from 80% to 60% essentially or as close to 60% as possible. It's about taking less risk in the market and having more defensive or income producing assets within your portfolio, and doing that in a way that you're sort of reducing your risk level, having more income production within the portfolio, but also more capital stabilization. So the idea is to protect the super you have. You still wanna get growth and income out of that at a more stable level and without taking too much risk because you are closer to accessing super. One of the biggest things I tend to try to avoid is where you're wanting to access your super, but at the time that you decide to retire, there's a very large market dip which you would take into effect.\n\nIf you think back to the GFC, around that 02/2007, 2008, that was probably one of the biggest times that a lot of people saw that. There was a lot of pea previous clients who were trying to, you know, access their super around that time. And when they were retiring, the GFC kinda hit, which meant that if they continue to retire and stop working, they would be cementing the losses. So reducing your risk level essentially comes into that aspect in trying to protect the capital you have within so far. So what we wanna do with your portfolio is, at the moment, you've got some physical gold in there.\n\nOne of your things is that you wanted to increase your exposure into physical gold, and absolutely fine to do so. You have about 8.27% there at the moment. In the balanced portfolio, we're gonna increase that to 10% for you. That it's only a it's only a small increase, and one of the reasons I'm not increasing it above that level is that gold, whilst it is a good commodity, has seen really good growth, there's no income that's produced out of it. So in order to take advantage of the growth that is produced from physical gold, you have to then sell the asset and cement the gains to redistribute them.\n\nSo it is good to have more gold in your portfolio. It does act defensively at certain times, which is great, but it's also not an income product producing asset. So we wanna hold about 10% in there. It does mean that you have more than you currently have, which is a benefit for you. Okay?\n\nExcellent. You've also got the beta shares a 200 in there. This is giving you exposure to the top 200 companies on the ASX. At the moment, you've got about 34.23% in that balanced environment. We only wanna hold 30%, so we're gonna reduce that exposure and sell some of that investment for you.\n\nOkay? You've also got your Vanguard fixed interest. So this is giving you access to sent sorry. Fixed interest, so bonds and cash investments, term deposits, and things like that. You hold about 9% there at the moment.\n\nIn this balanced environment, we wanna hold a bit more of that investment, so we're gonna increase your exposure to 22% there. It means buying a bit more. You've got there the BetaShares cybersecurity, essentially, currently holding 5.51%. We wanna reduce that exposure to 4%, so it just means selling a little bit of that investment off. Okay?\n\nWe've also got the iShares Europe is the next one down. This is giving you exposure to all 16 European countries, so both established and emerging markets, which is great for diversification. You're only just overexposed at the moment. You've got about 4.66%. We wanna hold about 4%, so it's just about selling off a very small portion of that to rebalance you back a little bit.\n\nOkay? And then we've also got the iShares of Japan for giving you exposure to the Japanese market. You've currently got 4.04%. We only wanna hold 4% of that investment, so we're just selling off about $200 of that one just to rebalance you back a little bit. And then also holding the S and P 500.\n\nThis is giving you exposure to the top 500 companies on the American market there. You've got about 25 invested in this portfolio. We only wanna hold about 20% of this investment, so we'll be selling a little bit of that for you to rebalance you back a little bit. Okay? Excellent.\n\nSo just made a slight changes, and essentially means that we're lowering the CGT. It's also a low risk portfolio, but still maintaining its exposure to a diversified range of investments. And not everyone's that interested in all of those, but do you have any questions so far? No? That's okay.\n\nExcellent. All good. Now one of the other things that we do look at, that you wanted me to look at as well was the Mica Metals. You wanted me to have a look to see if it was worth adding any of this into your super. I did have a look at it, and I did sort of go to portfolio.\n\nAnd that is essentially because of based on our analysis and the research we were able to look at, it is a very volatile asset. So it goes up and down in, you know, very it is very volatile. It goes up and down in very short time frames and historically has fluctuated pretty drastically. So, essentially, we assess the risk level as being too high for your super based on your risk capacity, your tolerance. However, if you wanted to look at investing in in your own name outside of super, it is something you could definitely look at.\n\nI'm more than happy to provide you with the research data. We just sort of we just wanted to sort of look at with your super, you're tracking towards retirement. We don't wanna do anything that's gonna put too much risk on your super. We want you to get to retirement and enjoy your retirement years, not be having to make money back because of a large drop because of a certain portfolio or a certain asset in your portfolio there. So we're not adding that in.\n\nWe're keeping you in a more conservative environment and looking after your super for you. But I do have in that document there a little bit of information around why we did and or did not look at it for you, why we did or did not add it into the portfolio so you can sort of see that as well. Okay? Excellent. On the next page, if you scroll down, you'll see your cash investment there.\n\nNow within Netwealth, we wanna hold about 2% cash. At the moment, you've got about a bit of a 4% there. So, realistically, you've got too much cash sitting there. We're just gonna reinvest about 9,000 of that and make sure that you don't hold any more cash than what you need to within your portfolio. Okay?\n\nExcellent. Beautiful. If you can scroll down to the next page for me, the next one down has the proposed asset allocation. Beautiful. Now this is sort of showing you essentially where the asset allocation sits with you currently versus what I'm recommending.\n\nSo you I'm sort of looking at the two columns, the existing and the proposed there. So the existing, when you look at the growth assets, it's it shows it's the bold column. You'll see 87.72%. So at the moment, you're sitting in more of that growth profile. By making these slight changes to your super, we're essentially reducing your growth assets down to about 76%, which is a positive for you.\n\nOkay? Excellent. And then we've also got at the moment about 12.28% in defensive assets, so things like cash, bonds, fixed interest, things like that. We're increasing those defensive assets. They're more lower risk, and we're increasing them to 24% with this new portfolio for you.\n\nOkay? Excellent. It can be a lot. This is why we sort of want you to look at the document with me, but do you have any questions at the moment? Is there anything you wanted me to kinda go through in more detail or run through with you?\n\nYeah. That's okay? Beautiful. Now the next page is where it gets a little bit more complex. This is looking at that transition retirement strategy, essentially.\n\nSo if you go down to the next page, it'll have the transfer time strategy outlined for you, and that's on page 23. Is that what you can see? Beautiful. So, essentially, what we're gonna do now the way this essentially works is that it helps you by increasing contributions in your super. So you'll be able to start salary sacrificing an additional $200 per week into your super.\n\nSo you're essentially adding an extra $10,400 across the year into super as salary sacrifice. However, because normal salary sacrifice means that your take home pay is reduced, what we're able to do, because you're over the age of 60, is we're able to open up a second. It's called a transition retirement pension account. So you will have two super accounts, one super accumulation where your contributions go into, and we'll have a second kind of pension account with a 165,539 sitting in that. The other 233 remain in your super account.\n\nWhat we're able to do is once you start that $200 per week contribution in the super, to make sure that your take home pay basically stays at the same level as what it is currently, we'll start to be able to draw down on that. Essentially, we're able to draw down up to 10% of the balance, and we're gonna be able to withdraw $6,622 on a yearly basis if I work out that per week for you. 52. It's about a $127.34 per week, and that replenishes your income, essentially. So you end up putting more money into super into the tax effective environment, the $200 per week, where it's only taxed at 15% instead of your marginal tax rate.\n\nYou end up with more money sitting in your super invested working harder for you. And then we draw out a small amount of money less than you're putting in about a $127 per week out of the super system to your bank account. It replenishes your income, and the amount you take out of the super system is completely tax free for you. Does that make sense? Do you have any questions?\n\nWell, the main thing is that it's keeping your take home pay basically the same. So because you're putting that that $200 into super every week, you're actually coming out with, you know, less than $200, but your, you know, your take home pay is reduced. So because life is expensive, we draw a little bit out of your out of the super system to kinda replenish your income. If at the end of the year, you don't need that, you wanna put it back into super, you're always welcome to let me know. We can definitely look at doing that for you.\n\nBut we just wanna make sure that with this strategy that you're not less short in any way because growth is expensive at the moment and no minor shopping. Yeah. If you go down for me to the next page to page 25, I can show you in numbers essentially how this looks for you. Yeah. So we've worked out your income based on your contributions and the information that we've been able to work out.\n\nSo we've worked out on average, you should get about a 160,000 in income. In the current position, you're not making any current salary sacrifice contributions. In the proposed, we're recommending $200 per week, so 10,400 over the course of the year. That reduces your taxable income down to a 149,600. So because the salary sacrifice is deducted from your income pretax, it reduces your total taxable income.\n\nThen you're paying income tax. So in your current position, paying roughly 43,470 on income tax each year. By increasing salary sacrifice, you're reducing the income tax to $39,415. So it's giving you essentially a reduction in income tax, which is a benefit. You pay less income tax.\n\nHowever, it doesn't reduce your your net income. So when you think about your current scenario, current income minus the income tax payable, it means that your take home pay is actually about a 116,530. Under the proposed, we start with a 160. We increase the contributions to super. We're then lowering the income tax, but it also means that the take home pay is reduced to about a 110,000 as well.\n\nSo in order to replenish that so you can still pay your bills, go on your holidays, and do all the work that you need to pay for groceries, we we draw out of the super system $6,622 on a yearly basis or about a $127.35 per week, and that is paid to your bank account. And, essentially, at the bottom there shows that you it reduces or it brings back your net take home pay. It actually gives you a little bit more take home pay than what you're currently getting, which is also a benefit. But you're essentially gonna have the same take home pay. It's just coming from two different sources.\n\nThe amount of money you're receiving out of the super system because you're over 60 is completely tax free. Under the transition time and strategy, we're only able to access on this financial year up to 10%. So we're not able to access the full balance in under pension until you retire. But this kind of strategy is really cool because it allows you to put more money into super, take advantage of that more tax effective strategy. It's essentially think of it as moving money around in a more tax effective way.\n\nInstead of receiving all of your salary, personally, I'm paying more income tax. You're putting an extra $200 per week in the super. That reduces your salary and the income tax that you're paying. But because you would normally have, you know, less money in your bank account each week, we use some of your existing super, and we start a secondary pension account. From that pension account, you draw down a $127 per week that goes into your bank account.\n\nAnd, essentially, we reevaluate that strategy every year, and we can keep rolling in and out and updating the figures on a regular basis. Instead of you paying 30 odd percent tax on that money, it's only paying 15% in the super system. Does that make sense? Yeah. Yeah.\n\nIt's pretty cool the way it works. It's a strategy that not everyone can do. You have to be over 60 to be out of benefit in these types of really fun strategies, so it's a benefit to getting older, essentially. But it ultimately keeps your take home pay the same. You put more money in the paper, and you pay less tax, which is never a bad thing.\n\nYeah. All good. If you can move down for me to page number 30, I can show you essentially the outcome and the projected outcome of what this should look like for you. Beautiful. So at the moment, your current scenario has your current Netwealth account there and the fees that you do pay.\n\nYou pay administration fees, investment fees, the ongoing service fee for us, and also contributions going in there. No pension withdrawal at the moment. By starting the strategy, doing the investment switch, and then opening the trans transition to retirement pension, you'll have the two accounts. The accumulation, which is your super, that's essentially where your your money is now. It's in the accumulation phase.\n\nWe're accumulating wealth for retirement. We'll leave 233,000 in that account. Sorry. In the pension, we'll open it up with a 165,539. After completing the investment switch and you remember how I talked before about, yeah, if we were to sell down all the investments, the CGT would have been over $11,000?\n\nYeah. So by keeping everything in net wealth and just making the smallest switch with with your investments, the expected capital gains consequence for your super fund is about 1,381. So we can reduce your risk level and alter those investments as we need to, and it reduces the amount of tax that your super fund would have to pay, which is a benefit. Okay? Excellent.\n\nEssentially, you then have the two accounts. You've got your ongoing administration fees. That is two accounts, so it does mean that they are slightly higher. However, we can also save not a great deal. It's about a dollar, but the newer investment portfolio is actually cheaper by about a dollar a year for you.\n\nSo that is slight benefit. We'll save that $1. Ongoing service fees are reduced a little bit, which is great just because of the difference in the balance there, and you are drawing some funds out. And then you've got underneath there your contributions going in. So it increases your contributions.\n\nSo your net after tax contributions in the super for the year would be about 25,160. And then the pension withdrawal out, we take the 6,000 it's essentially 6,622 out of the super system for you, which goes to your bank account to assist you. Okay? Excellent. Underneath that, you can sort of see the projection table.\n\nSo under your current scenario, we could see over the next sort of two to four years, you're ending up with about, yeah, 460,000 to 540,000. However, under the recommended strategy with increasing contributions, replenishing your income, and also reducing your risk level in the portfolio, we can actually see over the next sort of two to four years, we can expect you to have a much greater super in there. So a bit of a 470,000 in around about two years. And in four years, you could end up with a bit of a 550,000 there. So you're taking advantage of the market and sort of helping to provide a greater benefit to your super long term there as well.\n\nAlright? Do you have any questions at all? You're welcome to let me know if you do. That's okay? Beautiful.\n\nIf you go down to the next page, this is essentially showing you once you kind of get to the age of 63, 65 there, what we can sort of expect with the drawdown aspect. Yeah. This is essentially starting at 62. But if you decided to start at 65, it does provide you with a greater benefit there, provide longer term. But essentially shows that by drawing down what you want to on a yearly basis, we can sort of see your super lasting a bit longer there.\n\nAnd projecting forward to around about age 70 to 71, this is sort of looking at just your pension drawdown if we kinda refreshed everything moving forward. And you can sort of see the projected outcome up to about age 70 there. So this does depend on market reactions. Markets go up. Markets go down.\n\nYeah. But it kinda shows you where you're essentially tracking forward and what this might look like if you kept doing it longer. And then depending on when you actually choose to retire, what income you wanna draw down in retirement, then we can kind of look at how that works down the track for you and how long your super would last without a contributions going in. Does that make sense? Yep.\n\nBeautiful. Fantastic. But, honestly, it it looks really good. It looks like it can definitely put you in a really good position, and adding more money to super now, giving you that last little boost over the next couple of years towards you wanting to stop working and fully retire, means that we can take advantage of the market and lowering your risk level as well to put some protections in in place for your capital for your super. Yeah.\n\nExcellent. The last couple of pages are just about making sure that you do speak to us, Melissa, that have a will and power of attorneys drawn up and things like that. And when it comes to opening up the the pension accounts, we'll make sure that your beneficiaries are also nominated on file there to make sure that that is all covered. Okay? Excellent.\n\nThat can be a lot, and you're welcome to definitely go back and have a good read Let me know if you do happen to have any questions prior to, you know, you decided to take any of the advice there. But do you happen to have any questions at the moment? Has anything kinda come up in the course of our conversation with regard to that? Beautiful. Fantastic.\n\nAnd you're on you're an ongoing service client at the moment. So you're on a ongoing service fee of 1.65%. That would essentially just be prorated across the two accounts there for you as well, so no change to that currently. Beautiful. So what I'll do is I'll let you go back.\n\nYou're welcome to have a read through the document. How we would go through implementing this if you decide to take on the recommendations is essentially, I'll start by doing the investment switch first. While everything's in one account, we switch the investments. Once that has been completed, my team will get your bank account information so they can set up the pension account. That can take between two to five days depending on how busy Netwealth are.\n\nThey would transfer the money into the pension account, leaving that 233 behind in the super account there. I will never get you the salary sacrifice until we know when your first pension account when your first pension payment is to be drawn. So my team will set up your first pension account pension payment, sorry, of the $127.35. They'll let you know what day that's expected to be paid. They can also set it up.\n\nAnd when they call to get your bank details, they'll also check when you want that to start. So whether you want it to be paid on the same day as your employment income or whether you wanna pay it on a different day so we can align that with your income. And then once they know once they know what date your pension payment is due to be paid from the account based pension, they will then give you the salary sacrifice letter to be provided to your employer, and then you can start that. The reason I do it that way is that I don't want you to be putting salary sacrifice in, having less income, and not having that income replaced. So I like you to receive your first payment first, then we salary sacrifice.\n\nThat way, you're not left short for any particular, couple of weeks. Does that make sense? Beautiful. All good. Well, that's basically the entire strategy, and thank you so much for taking my call today.\n\nI really appreciate it. You're welcome to go back and have a read through the document. If you do find you have any questions, let me know. I'm just gonna really quickly also check your ID is up to date because to open the account, they will ask for an updated copy of your identification to your driver's license. Let's double check that while I have you here.\n\nSorry. Sorry. My computer's having a moment. Here we go. Yep.\n\nSo if you're happy to take on the recommendations, there is a little signing section on the very last page. There's a button that says sign. It will help you to electronically sign the document and then date it, and then it will just once you've pressed finish, it'll come directly back to us, and we'll start to implement it. If you feel like you wanna take some time to read through it first before taking the recommendations, you don't have to sign it now. You can take it back, have a read through it, and then sign it when you are comfortable to do so.\n\nIt is completely up to you. Okay? If you're on the signature page, is there a button that says sign like, it should have a little with your name in it? That is really weird. Maybe it didn't attach.\n\nIt should have attached properly. Yeah. I can see it's got one there. It's in the signature botch. It should say signature Michael Power or just Michael Power in some funny, cute writing.\n\nYeah. That's okay. Did you want me to get one of my team to give you a call a bit later just to check how you're going if we don't see it come back or just a couple of days? What would you sort of prefer for a check-in? Now?\n\nOkay. Not a problem at all. Yeah. That's alright. Not coming up?\n\nMaybe if you go out of the eave, eave yeah. Maybe if you go out of the email and back into it again. Yeah. That's okay. The other option is I could always ask someone to send it through you via Adobe Sign.\n\nIt might work out easier for you. Oh, alright. Yep. Yeah. I'll get one of my admin team members to give you a call starting to see if you have any troubles.\n\nThey can also talk you through the signing process. If it's still not working, they can also send it through via another system to see if we can get it sorted for you. Okay? All good. The other thing I just wanna check on, so you'll be uncontactable for a period of time.\n\nIf we do the investment switch, it can take generally about a week to have the investment switch completed. Then we normally go through and set up the TTR side of things, and my team will have to give you a call just to to find out your bank information for that. How long before they should give you a call? Is it, like, one to two weeks that you'll be working for? How long before you'll be able to be yep.\n\nYep. No worries. Yep. I'll get someone to send it via Adobe sign and follow-up for you. Not a worry at all.\n\nAll good. Perfect. Well, I'll let them know to be in contact in about two weeks. Yeah. If there's a re a reason to give you a call prior, they can always try, but I'll let them know that you'll be uncontacted.\n\nWell, roughly for two weeks, and then we can do that TTR side of things for you then, make it easier on you. Okay? Yep. How's it's working for you? Alright.\n\nMy apologies. Sorry. No. No. You're fine.\n\nYep. Beautiful. I will just refresh that. Is it saying finish or done or loading at the bottom? Is there anything sorta happening?\n\nYep. Yep. If you click on the sign if you click on the signature, and then it should allow you to click on the date as well. Beautiful. And then next document at the bottom there, it should take you through if there's anything else.\n\nYep. And then once you get to the bottom, it'll tell you that it's finished. Oh, okay. That's alright. Did you want us to send do you have a printer or it's alright?\n\nYep. That's the one. That's the last section. And I'll just refresh it. Just refreshing for you.\n\nYeah. That's okay. That's not a problem at all. It should come through fairly easy in the next few minutes. So do you want me to wait here for it or just give you a callback if you will do.\n\nI'll let the team know to give you a call later if there's any issues. Thank you so much for your time today, Michael. I hope you enjoy the rest of your day. Oh, legend. I'll wait for it to come through.\n\nOh, there it is. Just let me know. It's all come through perfect. You did great. Thank you.\n\nI'll talk to you soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Michael.","start":3.04,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.11902888119220734},{"text":"It's Dana from OV Financial.","start":3.6799998,"end":5.22,"sentiment":"neutral","sentiment_score":0.1475742369890213},{"text":"How are you this afternoon?","start":5.2799997,"end":6.42,"sentiment":"neutral","sentiment_score":0.19960198998451234},{"text":"I'm very well.","start":8.0,"end":8.8,"sentiment":"positive","sentiment_score":0.6126971443494161},{"text":"Thank you.","start":8.8,"end":9.2,"sentiment":"positive","sentiment_score":0.6784889101982117}],"sentiment":"neutral","sentiment_score":0.30405930298216205,"num_words":17,"start":3.04,"end":9.2},{"sentences":[{"text":"Thanks for asking.","start":9.2,"end":9.92,"sentiment":"positive","sentiment_score":0.6508557796478271},{"text":"I had you booked in to go through your updated statement of advice.","start":9.92,"end":12.719999,"sentiment":"neutral","sentiment_score":0.304424198774191},{"text":"Is now still a good time there for you?","start":12.719999,"end":14.74,"sentiment":"neutral","sentiment_score":0.2626182536284129},{"text":"Fantastic.","start":17.945,"end":18.445,"sentiment":"positive","sentiment_score":0.6695590019226074},{"text":"Michael, before we jump into the call, just to let you know we do record our calls for quality and training purposes.","start":19.145,"end":24.125,"sentiment":"neutral","sentiment_score":0.266720439222726}],"sentiment":"neutral","sentiment_score":0.3085636431351304,"num_words":48,"start":9.2,"end":24.125},{"sentences":[{"text":"Are you happy for us to proceed with that?","start":24.185,"end":26.445,"sentiment":"neutral","sentiment_score":0.2466351803806093},{"text":"Fantastic.","start":28.02,"end":28.52,"sentiment":"positive","sentiment_score":0.5177968740463257},{"text":"And just to do a quick security check there for you just to confirm your full name, your date of birth, and address I should have on file.","start":28.82,"end":34.76,"sentiment":"neutral","sentiment_score":0.19464674858110292},{"text":"Yep.","start":38.98,"end":39.405,"sentiment":"neutral","sentiment_score":0.038279395550489426},{"text":"Lovely.","start":41.324997,"end":41.805,"sentiment":"positive","sentiment_score":0.4331679344177246}],"sentiment":"neutral","sentiment_score":0.21647674469277262,"num_words":40,"start":24.185,"end":41.805},{"sentences":[{"text":"Thank you so much for that.","start":41.805,"end":43.344997,"sentiment":"positive","sentiment_score":0.6125295559565226},{"text":"As part of this to kinda make it easier on you, I normally send the the documents to you via email to sort of look at it with me.","start":43.565,"end":49.964996,"sentiment":"neutral","sentiment_score":0.24685191954004354},{"text":"Are you able to look at your emails at the moment?","start":49.964996,"end":52.464996,"sentiment":"neutral","sentiment_score":0.07976963438770988},{"text":"Yeah.","start":55.26,"end":55.66,"sentiment":"neutral","sentiment_score":0.17387723922729492},{"text":"All good.","start":55.66,"end":56.059998,"sentiment":"neutral","sentiment_score":0.2962166965007782}],"sentiment":"neutral","sentiment_score":0.2546461145488583,"num_words":49,"start":41.805,"end":56.059998},{"sentences":[{"text":"I'm just gonna press send on this one.","start":56.059998,"end":57.98,"sentiment":"neutral","sentiment_score":0.1785765178501606},{"text":"If you can pop in there real quick and open it.","start":57.98,"end":60.059998,"sentiment":"neutral","sentiment_score":0.2399691790342331},{"text":"It just makes it easy, and I'll try to run through things as quickly as possible for you there.","start":60.059998,"end":64.54,"sentiment":"neutral","sentiment_score":0.263622962330517},{"text":"Okay?","start":64.54,"end":65.04,"sentiment":"neutral","sentiment_score":0.08333328366279602},{"text":"Yeah.","start":68.165,"end":68.405,"sentiment":"neutral","sentiment_score":0.07230828702449799}],"sentiment":"neutral","sentiment_score":0.23081877417862415,"num_words":40,"start":56.059998,"end":68.405},{"sentences":[{"text":"You're right.","start":68.405,"end":69.045,"sentiment":"neutral","sentiment_score":0.11148105561733246},{"text":"Not an issue.","start":69.045,"end":69.685,"sentiment":"neutral","sentiment_score":0.14373742043972015},{"text":"How's your day been so far?","start":69.685,"end":71.465,"sentiment":"neutral","sentiment_score":0.14693242063124975},{"text":"Oh, wow.","start":77.125,"end":78.024994,"sentiment":"neutral","sentiment_score":0.010111537761986256},{"text":"Is there a lot of chores to do at home?","start":78.325,"end":80.345,"sentiment":"neutral","sentiment_score":-0.022104847058653832}],"sentiment":"neutral","sentiment_score":0.05804102179472861,"num_words":23,"start":68.405,"end":80.345},{"sentences":[{"text":"Yep.","start":83.75,"end":84.25,"sentiment":"neutral","sentiment_score":0.0305398553609848},{"text":"Yeah.","start":86.79,"end":87.270004,"sentiment":"neutral","sentiment_score":0.007716283202171326},{"text":"No.","start":87.270004,"end":87.770004,"sentiment":"neutral","sentiment_score":-0.036733489483594894},{"text":"All good.","start":87.83,"end":88.65,"sentiment":"neutral","sentiment_score":-0.02226098906248808},{"text":"There we go.","start":90.630005,"end":91.53,"sentiment":"neutral","sentiment_score":-0.10046168665091197}],"sentiment":"neutral","sentiment_score":-0.04304804862476885,"num_words":8,"start":83.75,"end":91.53},{"sentences":[{"text":"Yeah.","start":93.03,"end":93.43,"sentiment":"neutral","sentiment_score":-0.033068325370550156},{"text":"That's okay.","start":93.43,"end":94.33,"sentiment":"neutral","sentiment_score":0.007566542830318211},{"text":"Yeah.","start":103.205,"end":103.604996,"sentiment":"neutral","sentiment_score":0.021626047790050507},{"text":"Yeah.","start":103.604996,"end":103.924995,"sentiment":"neutral","sentiment_score":0.04798346012830734},{"text":"Well, look, honestly, it's not looking too bad at all.","start":103.924995,"end":106.505,"sentiment":"neutral","sentiment_score":0.10068234540522099}],"sentiment":"neutral","sentiment_score":0.07056651481737693,"num_words":15,"start":93.03,"end":106.505},{"sentences":[{"text":"I've got some recommendations in here about reducing your risk because we did talk about as you are closer to your time, it's starting to reduce that risk profile a little bit.","start":106.565,"end":114.93,"sentiment":"neutral","sentiment_score":0.17988045734819025},{"text":"But we also talked about looking at that transition to your time and strategy where you can increase your contributions into super, but then to because increasing contributions in the super means to take home pay is reduced, we can also just draw a little bit out to kinda replenish your income a little bit.","start":114.93,"end":131.435,"sentiment":"neutral","sentiment_score":0.1390000026334416},{"text":"So I've I've got that here for you to go through.","start":131.435,"end":134.655,"sentiment":"neutral","sentiment_score":0.04522933235222643},{"text":"Oh, that's okay.","start":140.21,"end":141.17,"sentiment":"neutral","sentiment_score":0.09606519341468811},{"text":"You're fine.","start":141.17,"end":141.99,"sentiment":"neutral","sentiment_score":0.17361010611057281}],"sentiment":"neutral","sentiment_score":0.14110789542059296,"num_words":103,"start":106.565,"end":141.99},{"sentences":[{"text":"No.","start":145.73,"end":146.05,"sentiment":"neutral","sentiment_score":-0.01430206559598446},{"text":"You're right.","start":146.05,"end":146.87,"sentiment":"neutral","sentiment_score":0.059623364359140396},{"text":"So the main sort of thing to go through with regard to the strategy is sorry.","start":147.25,"end":151.355,"sentiment":"neutral","sentiment_score":0.09499518643133342},{"text":"We're looking at that transition to new retirement sort of strategy where we could increase your contributions into super and also just draw a little bit out to replenish your income.","start":151.355,"end":160.955,"sentiment":"neutral","sentiment_score":0.16771498658964712},{"text":"So this sort of strategy allows you to make more contributions into the super system, save a little bit on income tax, but also draw a little bit out so your take home pay remains relatively the same, which makes it a a good strategy all around and helps to boost your super for the last couple of years before your retirement.","start":160.955,"end":178.545,"sentiment":"neutral","sentiment_score":0.3100407056270107}],"sentiment":"neutral","sentiment_score":0.23255853552836925,"num_words":112,"start":145.73,"end":178.545},{"sentences":[{"text":"Yeah.","start":180.845,"end":181.345,"sentiment":"neutral","sentiment_score":0.12512770295143127},{"text":"That's okay.","start":185.725,"end":186.44499,"sentiment":"neutral","sentiment_score":0.1900867596268654},{"text":"You're fine.","start":186.44499,"end":187.265,"sentiment":"neutral","sentiment_score":0.1819329857826233},{"text":"You're all good.","start":196.62,"end":198.31999,"sentiment":"neutral","sentiment_score":0.2839350700378418},{"text":"That's the one.","start":203.52501,"end":204.40501,"sentiment":"neutral","sentiment_score":0.0697875718275706}],"sentiment":"neutral","sentiment_score":0.17548501085151325,"num_words":11,"start":180.845,"end":204.40501},{"sentences":[{"text":"Yeah.","start":204.40501,"end":204.90501,"sentiment":"neutral","sentiment_score":0.08142093569040298},{"text":"It should come through from Dana at Oak View Financial or from Odoo.","start":205.125,"end":208.985,"sentiment":"neutral","sentiment_score":0.06921114543309578},{"text":"Yeah.","start":209.285,"end":209.60501,"sentiment":"neutral","sentiment_score":0.24713605642318728},{"text":"Perfect.","start":209.60501,"end":210.10501,"sentiment":"positive","sentiment_score":0.5494319796562195},{"text":"Excellent.","start":212.96501,"end":213.46501,"sentiment":"positive","sentiment_score":0.5045719146728516}],"sentiment":"neutral","sentiment_score":0.13425328100428863,"num_words":17,"start":204.40501,"end":213.46501},{"sentences":[{"text":"On the front page, so when you click the button that says sign here, it'll show you the statement of advice with your name on the front.","start":213.52501,"end":220.38,"sentiment":"neutral","sentiment_score":0.1932027417200583},{"text":"It'll have the date today's date, the 08/31/2026 there as well.","start":220.38,"end":225.04,"sentiment":"neutral","sentiment_score":0.14431807060133328},{"text":"That's okay.","start":228.7,"end":229.6,"sentiment":"neutral","sentiment_score":0.1776825562119484},{"text":"That's the one.","start":246.98999,"end":247.79,"sentiment":"neutral","sentiment_score":0.09948894133170445},{"text":"Yeah.","start":247.79,"end":248.11,"sentiment":"neutral","sentiment_score":0.061778724193573}],"sentiment":"neutral","sentiment_score":0.17089962417429144,"num_words":44,"start":213.52501,"end":248.11},{"sentences":[{"text":"So it should say statement of advice prepared for Michael Powell with the on the date, sorry, the 08/31/2026.","start":248.11,"end":254.51,"sentiment":"neutral","sentiment_score":0.055927059956287085},{"text":"And on the bottom of that front page, you'll have prepared for myself, Dana Taylor, and my lovely team here at Oakview Financial.","start":254.51,"end":261.025,"sentiment":"neutral","sentiment_score":0.1435545859453471},{"text":"And my license on the bottom there should be 1304394.","start":261.085,"end":265.26498,"sentiment":"neutral","sentiment_score":0.0446863766759634},{"text":"No.","start":269.32498,"end":269.565,"sentiment":"neutral","sentiment_score":-0.15855583548545835},{"text":"You're right.","start":269.565,"end":270.04498,"sentiment":"neutral","sentiment_score":-0.07973523996770382}],"sentiment":"neutral","sentiment_score":0.08169467395002192,"num_words":55,"start":248.11,"end":270.04498},{"sentences":[{"text":"It's still loading.","start":270.04498,"end":271.005,"sentiment":"neutral","sentiment_score":-0.055654520789782204},{"text":"Hey.","start":271.005,"end":271.505,"sentiment":"neutral","sentiment_score":0.07518056780099869},{"text":"That's okay.","start":273.61002,"end":274.51,"sentiment":"positive","sentiment_score":0.3722214996814728},{"text":"Love technology when it wants to work for us.","start":275.45,"end":278.03,"sentiment":"positive","sentiment_score":0.4656813343365987},{"text":"Doesn't work as well?","start":286.25,"end":287.63,"sentiment":"neutral","sentiment_score":-0.1772600281983614}],"sentiment":"neutral","sentiment_score":0.21761852110687055,"num_words":19,"start":270.04498,"end":287.63},{"sentences":[{"text":"No.","start":288.135,"end":288.635,"sentiment":"neutral","sentiment_score":-0.1612998992204666},{"text":"No.","start":330.66,"end":330.90002,"sentiment":"neutral","sentiment_score":-0.09352029860019684},{"text":"That's okay.","start":330.90002,"end":331.72,"sentiment":"neutral","sentiment_score":0.0012542027980089205},{"text":"That's the button that you have pressed to move forward.","start":331.86002,"end":334.74002,"sentiment":"neutral","sentiment_score":0.10981398485600949},{"text":"Just give it a time.","start":334.74002,"end":335.94,"sentiment":"neutral","sentiment_score":0.026810376346111296}],"sentiment":"neutral","sentiment_score":0.05157262831926346,"num_words":19,"start":288.135,"end":335.94},{"sentences":[{"text":"It should be it might just need a little bit more time.","start":335.94,"end":338.725,"sentiment":"neutral","sentiment_score":0.01898941087226073},{"text":"It's all good.","start":338.725,"end":339.625,"sentiment":"positive","sentiment_score":0.3864247401555379},{"text":"Yep.","start":342.965,"end":343.465,"sentiment":"neutral","sentiment_score":-0.007465814240276813},{"text":"That's okay.","start":347.045,"end":347.86502,"sentiment":"neutral","sentiment_score":0.007793893106281757},{"text":"No worries.","start":348.725,"end":349.465,"sentiment":"neutral","sentiment_score":0.0317655960097909}],"sentiment":"neutral","sentiment_score":0.07294001574628055,"num_words":20,"start":335.94,"end":349.465},{"sentences":[{"text":"That's okay.","start":405.54,"end":406.18,"sentiment":"neutral","sentiment_score":0.1491263210773468},{"text":"You're absolutely fine.","start":406.18,"end":407.63998,"sentiment":"neutral","sentiment_score":0.26093033452828723},{"text":"Yeah.","start":467.57498,"end":467.97498,"sentiment":"neutral","sentiment_score":0.03300677239894867},{"text":"Absolutely.","start":467.97498,"end":468.47498,"sentiment":"neutral","sentiment_score":0.09709062427282332},{"text":"I'll just press resend on that for you.","start":468.69498,"end":471.03497,"sentiment":"neutral","sentiment_score":0.08719509467482567}],"sentiment":"neutral","sentiment_score":0.12724678665399553,"num_words":15,"start":405.54,"end":471.03497},{"sentences":[{"text":"There you go.","start":471.655,"end":472.715,"sentiment":"neutral","sentiment_score":0.06386223311225574},{"text":"It did do it?","start":507.38998,"end":508.53,"sentiment":"neutral","sentiment_score":0.07636610604822636},{"text":"Oh, beautiful.","start":510.03,"end":511.00998,"sentiment":"neutral","sentiment_score":0.3103470504283905},{"text":"That's that's the one.","start":517.255,"end":518.85504,"sentiment":"neutral","sentiment_score":0.10296745039522648},{"text":"Yeah.","start":518.85504,"end":519.09503,"sentiment":"neutral","sentiment_score":0.08806423842906952}],"sentiment":"neutral","sentiment_score":0.11554851888545922,"num_words":14,"start":471.655,"end":519.09503},{"sentences":[{"text":"So that's the document that we'll look at there.","start":519.09503,"end":521.175,"sentiment":"neutral","sentiment_score":0.09489238344960743},{"text":"So on the front there, you'll see your name, the date there, and at the bottom of that, my license number.","start":521.175,"end":525.815,"sentiment":"neutral","sentiment_score":0.06036964334946658},{"text":"So as a full licensed adviser, we are registered with, ASIC, and my registration number is 1304394.","start":525.815,"end":532.98004,"sentiment":"neutral","sentiment_score":0.07328655044822131},{"text":"Okay?","start":532.98004,"end":533.48004,"sentiment":"neutral","sentiment_score":0.09718380868434906},{"text":"Perfect.","start":535.14,"end":535.64,"sentiment":"positive","sentiment_score":0.6505708694458008}],"sentiment":"neutral","sentiment_score":0.08398816320684035,"num_words":49,"start":519.09503,"end":535.64},{"sentences":[{"text":"Now I'll run through the recommendations with you here on the points that we need to touch on just to kinda give you the 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out.","start":552.705,"end":559.55,"sentiment":"neutral","sentiment_score":0.19626786958958423},{"text":"So we're looking at the area of superannuation with this one.","start":559.55,"end":562.93,"sentiment":"neutral","sentiment_score":0.12874360450289465},{"text":"One of the things that we're looking at is that you were hoping to retire at around about age 63 to 65 with the intention of drawing about $500 per week from your super throughout retirement.","start":563.23,"end":573.795,"sentiment":"neutral","sentiment_score":0.11203138685474794},{"text":"Obviously, when you get to retirement, we'll fully reassess what you want to live on and what you wanna draw down on a weekly basis.","start":574.575,"end":580.735,"sentiment":"neutral","sentiment_score":0.1460821408033371},{"text":"This is just giving us a bit of a guide for what we're sort of tracking for 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yep.","start":600.295,"end":602.395,"sentiment":"neutral","sentiment_score":0.04235441400669515},{"text":"Excellent.","start":602.535,"end":603.035,"sentiment":"positive","sentiment_score":0.365160197019577}],"sentiment":"neutral","sentiment_score":0.2057919648221948,"num_words":55,"start":584.85004,"end":603.035},{"sentences":[{"text":"Excellent.","start":604.055,"end":604.555,"sentiment":"positive","sentiment_score":0.3963433504104614},{"text":"On the next page, we've also looked at the estate planning side of things.","start":604.615,"end":607.65497,"sentiment":"neutral","sentiment_score":0.15570385328360967},{"text":"So you wanted to make sure that if anything did happen, that your beneficiaries are nominated to have everything paid to Jody and that you also wanted to make sure you guys do have a will and power of attorney in place.","start":607.65497,"end":619.0,"sentiment":"neutral","sentiment_score":0.16250648509178842},{"text":"With the recommendation side of things, we just recommend that you do speak to a solicitor to have a will and power of attorney drawn up, but we do factor that into the advice to make sure that you're able to seek those services.","start":619.38,"end":629.505,"sentiment":"neutral","sentiment_score":0.13934603113342414},{"text":"If you did need us to, we can refer you through to us listed up for the drawing up of any wills, power of attorneys, and things like that.","start":630.125,"end":636.945,"sentiment":"neutral","sentiment_score":0.02117241657306922}],"sentiment":"neutral","sentiment_score":0.12420534708250601,"num_words":130,"start":604.055,"end":636.945},{"sentences":[{"text":"Okay?","start":637.005,"end":637.505,"sentiment":"neutral","sentiment_score":0.03420951962471008},{"text":"Excellent.","start":638.60504,"end":639.10504,"sentiment":"positive","sentiment_score":0.6916794776916504},{"text":"Because you are a bit closer to the retirement years, I've spoken to a limited basis on the next page on page five there.","start":640.06,"end":646.8,"sentiment":"neutral","sentiment_score":0.027298587704232585},{"text":"The retirement aspect.","start":646.86,"end":648.22,"sentiment":"neutral","sentiment_score":-0.0007392304639021555},{"text":"This is just sort of looking at based on the current recommendations, what you're sort of tracking for by drawing down five.","start":648.22,"end":655.675,"sentiment":"neutral","sentiment_score":-0.0013809166213666851}],"sentiment":"neutral","sentiment_score":0.026440338140317036,"num_words":51,"start":637.005,"end":655.675},{"sentences":[{"text":"Sorry.","start":655.675,"end":656.175,"sentiment":"neutral","sentiment_score":-0.026540610939264297},{"text":"Oh, it's on the bottom of the page.","start":659.035,"end":660.955,"sentiment":"neutral","sentiment_score":-0.04690657230094075},{"text":"My apologies.","start":660.955,"end":661.615,"sentiment":"neutral","sentiment_score":-0.1121545173227787},{"text":"It's not It's not showing up at all.","start":662.875,"end":667.0,"sentiment":"neutral","sentiment_score":-0.14000623021274805},{"text":"Yep.","start":669.54004,"end":670.04004,"sentiment":"neutral","sentiment_score":0.011677078902721403}],"sentiment":"neutral","sentiment_score":-0.08672374933958053,"num_words":20,"start":655.675,"end":670.04004},{"sentences":[{"text":"You're a little bit further along than me, but that's absolutely okay.","start":673.14,"end":676.60004,"sentiment":"neutral","sentiment_score":-0.05167868655795852},{"text":"Yeah.","start":676.90497,"end":677.305,"sentiment":"neutral","sentiment_score":-0.016375459730625153},{"text":"If you scroll back a little bit towards the front of the page, one of the headings, it should say scope of advice limited scope.","start":677.305,"end":683.725,"sentiment":"neutral","sentiment_score":-0.03308414570987225},{"text":"Keep going down.","start":687.38495,"end":688.445,"sentiment":"neutral","sentiment_score":-0.058353343357642494},{"text":"That's really 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bit.","start":719.95,"end":722.19,"sentiment":"neutral","sentiment_score":-0.17977872159745958}],"sentiment":"neutral","sentiment_score":-0.15545719840070782,"num_words":34,"start":694.68,"end":722.19},{"sentences":[{"text":"That should not have happened.","start":722.19,"end":723.41003,"sentiment":"neutral","sentiment_score":-0.23621290028095246},{"text":"I wonder what's missing.","start":728.69495,"end":730.15497,"sentiment":"neutral","sentiment_score":-0.21545542776584625},{"text":"Interesting.","start":734.21497,"end":734.45496,"sentiment":"neutral","sentiment_score":-0.04473068937659264},{"text":"No.","start":734.45496,"end":734.77496,"sentiment":"neutral","sentiment_score":-0.08572542667388916},{"text":"That should be yep.","start":734.77496,"end":739.595,"sentiment":"neutral","sentiment_score":-0.03907896904274821}],"sentiment":"neutral","sentiment_score":-0.15531054697930813,"num_words":15,"start":722.19,"end":739.595},{"sentences":[{"text":"No.","start":743.70996,"end":743.95,"sentiment":"neutral","sentiment_score":-0.06193211302161217},{"text":"So the other one you want is the statement of advice.","start":743.95,"end":746.19,"sentiment":"neutral","sentiment_score":-0.03690244240516966},{"text":"The appendices, it is a much smaller.","start":746.19,"end":747.87,"sentiment":"neutral","sentiment_score":-0.02915151709956782},{"text":"It's just got the research component in it.","start":747.87,"end":749.87,"sentiment":"neutral","sentiment_score":-0.020028812577947974},{"text":"Yeah.","start":749.87,"end":750.19,"sentiment":"neutral","sentiment_score":0.0038075437769293785}],"sentiment":"neutral","sentiment_score":-0.02958366271507527,"num_words":28,"start":743.70996,"end":750.19},{"sentences":[{"text":"That's okay.","start":750.19,"end":751.08997,"sentiment":"neutral","sentiment_score":0.011977025307714939},{"text":"Yep.","start":752.11,"end":752.61,"sentiment":"neutral","sentiment_score":0.24017368257045743},{"text":"That's the one.","start":753.87,"end":754.93,"sentiment":"positive","sentiment_score":0.4313105543454488},{"text":"And then you've got your table of contents, and then you've got your scoping considerations.","start":754.99,"end":759.325,"sentiment":"neutral","sentiment_score":0.0984389861424764},{"text":"Yep.","start":761.545,"end":762.045,"sentiment":"neutral","sentiment_score":0.09177279472351074}],"sentiment":"neutral","sentiment_score":0.14210986286740412,"num_words":22,"start":750.19,"end":762.045},{"sentences":[{"text":"Perfect.","start":762.585,"end":762.985,"sentiment":"positive","sentiment_score":0.670573353767395},{"text":"So that's where we're scoping in essentially looking at superannuation with your goal there.","start":762.985,"end":767.565,"sentiment":"positive","sentiment_score":0.35462800519807},{"text":"The next page, if you keep going down, is where we're looking at estate planning for you as we just went through there.","start":767.785,"end":773.57,"sentiment":"neutral","sentiment_score":0.14350505335175473},{"text":"And then the next page, you've got the limited scope there.","start":774.35004,"end":776.99005,"sentiment":"neutral","sentiment_score":0.0697053498165174},{"text":"So because you are a bit closer to accessing super, we wanted to sort of give you a bit of an idea on where you're tracking for based on the current recommendations.","start":776.99005,"end":784.53,"sentiment":"neutral","sentiment_score":0.13415376388002187}],"sentiment":"neutral","sentiment_score":0.17278593760213734,"num_words":81,"start":762.585,"end":784.53},{"sentences":[{"text":"So we've limited scope in the the I sent you the draw down on what this could look like for you based on the current scenario.","start":785.22504,"end":792.685,"sentiment":"neutral","sentiment_score":0.1042920769407199},{"text":"Okay?","start":792.98505,"end":793.48505,"sentiment":"neutral","sentiment_score":0.06489484012126923},{"text":"The next page outlines where we're not looking at additional advice.","start":794.585,"end":798.36,"sentiment":"neutral","sentiment_score":0.004712225361303851},{"text":"So we're not looking at cash flow and debt management that you are hoping to continue to pay down your mortgage and the business loan.","start":798.36,"end":805.42,"sentiment":"neutral","sentiment_score":0.0036410256661474705},{"text":"You're currently happy to pay that down continuing to do so.","start":805.56,"end":809.01996,"sentiment":"positive","sentiment_score":0.38513675332069397}],"sentiment":"neutral","sentiment_score":0.09670071956399526,"num_words":74,"start":785.22504,"end":809.01996},{"sentences":[{"text":"If you did need additional advice in that area, we can always come back that down the track there.","start":809.16,"end":813.605,"sentiment":"neutral","sentiment_score":0.10614749965699095},{"text":"And the next page has insurance as noted.","start":813.985,"end":816.465,"sentiment":"neutral","sentiment_score":0.03627504431642592},{"text":"So we're not looking at any new recommendations around insurance as your main sort of goal with the advice when we spoke last time was focusing on getting your super up there, making it work, and making sure that you could get into a good position to be able to retire.","start":816.465,"end":830.28,"sentiment":"neutral","sentiment_score":0.09727948257590041},{"text":"Does that still sound appropriate?","start":830.34,"end":831.72003,"sentiment":"neutral","sentiment_score":0.07995694577693939},{"text":"Yep.","start":833.78,"end":834.28,"sentiment":"neutral","sentiment_score":0.2075778096914291}],"sentiment":"neutral","sentiment_score":0.09375736902334861,"num_words":84,"start":809.16,"end":834.28},{"sentences":[{"text":"Beautiful.","start":834.34,"end":834.84,"sentiment":"positive","sentiment_score":0.5796471834182739},{"text":"The next is the limited scope page and then the about you section.","start":835.78,"end":839.955,"sentiment":"neutral","sentiment_score":0.11037482349918439},{"text":"Can I get you to run your eyes over that a little bit?","start":840.255,"end":842.415,"sentiment":"neutral","sentiment_score":0.09967755812865037},{"text":"Are there any major changes to any of that section that we need to maybe update?","start":842.415,"end":846.515,"sentiment":"neutral","sentiment_score":-0.03302134573459625},{"text":"Right.","start":852.93,"end":853.17,"sentiment":"neutral","sentiment_score":0.056709639728069305}],"sentiment":"neutral","sentiment_score":0.0645158239216967,"num_words":44,"start":834.34,"end":853.17},{"sentences":[{"text":"Beautiful.","start":853.17,"end":853.67,"sentiment":"positive","sentiment_score":0.4410802721977234},{"text":"And then we've also got the next page as your assets and liabilities.","start":854.05,"end":857.51,"sentiment":"neutral","sentiment_score":0.16065164999319956},{"text":"Now these could have changed a bit since we last called up there, but are there any major changes you would like us to make in the back end for you in relation to this section at all?","start":857.57,"end":864.55,"sentiment":"neutral","sentiment_score":-0.02360809481653728},{"text":"To this section at all?","start":864.705,"end":868.325,"sentiment":"neutral","sentiment_score":-0.024430136382579803},{"text":"Yep.","start":869.34503,"end":869.66504,"sentiment":"neutral","sentiment_score":0.0888521820306778}],"sentiment":"neutral","sentiment_score":0.027571476193080688,"num_words":58,"start":853.17,"end":869.66504},{"sentences":[{"text":"Beautiful.","start":869.66504,"end":870.16504,"sentiment":"positive","sentiment_score":0.6339301466941833},{"text":"Excellent.","start":870.625,"end":871.125,"sentiment":"positive","sentiment_score":0.6742748022079468},{"text":"We've got on the bottom of that page there your current net wealth super balance.","start":872.065,"end":875.505,"sentiment":"neutral","sentiment_score":0.14240572502215704},{"text":"So within net wealth there, you've got about $388,281.79 as your current balance there.","start":875.505,"end":882.33,"sentiment":"neutral","sentiment_score":0.11254159414342471},{"text":"Okay?","start":882.33,"end":882.83,"sentiment":"neutral","sentiment_score":0.0869995504617691}],"sentiment":"neutral","sentiment_score":0.15958977164700627,"num_words":32,"start":869.66504,"end":882.83},{"sentences":[{"text":"Absolutely.","start":888.89,"end":889.39,"sentiment":"neutral","sentiment_score":0.22919851541519165},{"text":"Definitely.","start":889.85,"end":890.35,"sentiment":"neutral","sentiment_score":0.2101866453886032},{"text":"Now if you go down for me, on the bottom of each of these page, there should be a page number.","start":891.245,"end":895.885,"sentiment":"neutral","sentiment_score":0.03448917193426972},{"text":"Can you see that on the bottom of each of those pages at the moment?","start":895.885,"end":899.02496,"sentiment":"neutral","sentiment_score":0.017045632811884086},{"text":"No?","start":901.005,"end":901.505,"sentiment":"neutral","sentiment_score":-0.019380494952201843}],"sentiment":"neutral","sentiment_score":0.03589645560639791,"num_words":39,"start":888.89,"end":901.505},{"sentences":[{"text":"Yep.","start":902.605,"end":902.94,"sentiment":"neutral","sentiment_score":0.01037239283323288},{"text":"Perfect.","start":904.06,"end":904.54,"sentiment":"neutral","sentiment_score":0.18949544429779053},{"text":"If you can get on the page number 14 for me, the heading there should be strategy recommendations.","start":904.54,"end":909.04,"sentiment":"neutral","sentiment_score":0.052313417196273804},{"text":"Yep.","start":912.78,"end":913.26,"sentiment":"neutral","sentiment_score":0.09899352490901948},{"text":"Beautiful.","start":913.26,"end":913.76,"sentiment":"positive","sentiment_score":0.33831986784935}],"sentiment":"neutral","sentiment_score":0.07176466997374188,"num_words":22,"start":902.605,"end":913.76},{"sentences":[{"text":"I'm gonna switch to a couple of pages.","start":914.38,"end":916.3,"sentiment":"neutral","sentiment_score":0.12316112127155066},{"text":"This is sort of touching the points that we need to, but then you're welcome to take it back and read it before you decide to take on any of the advice.","start":916.3,"end":922.325,"sentiment":"neutral","sentiment_score":0.09975685307290405},{"text":"Okay?","start":922.325,"end":922.825,"sentiment":"neutral","sentiment_score":0.07186926901340485},{"text":"Beautiful.","start":924.64496,"end":925.14496,"sentiment":"neutral","sentiment_score":0.277563214302063},{"text":"So this is essentially going through the start of the recommendations there.","start":925.285,"end":928.165,"sentiment":"neutral","sentiment_score":0.07941335315505664}],"sentiment":"neutral","sentiment_score":0.10147964795706449,"num_words":54,"start":914.38,"end":928.165},{"sentences":[{"text":"I did have a look at your super within Netwealth as well as other super funds out there just to sort of see whether we should look at changing any of those.","start":928.165,"end":935.88,"sentiment":"neutral","sentiment_score":0.04411203390918672},{"text":"I am recommending that we do retain Netwealth there.","start":935.88,"end":938.62,"sentiment":"neutral","sentiment_score":0.06025342229339811},{"text":"Netwealth is a good super fund.","start":938.84,"end":940.36,"sentiment":"neutral","sentiment_score":0.23959026485681534},{"text":"There's honestly no real major reasons for moving out of the fund.","start":940.36,"end":943.88,"sentiment":"neutral","sentiment_score":-0.09301716989527146},{"text":"It just adds unnecessary complex city.","start":943.88,"end":946.595,"sentiment":"neutral","sentiment_score":-0.08736435634394486}],"sentiment":"neutral","sentiment_score":0.0269386968933619,"num_words":65,"start":928.165,"end":946.595},{"sentences":[{"text":"But we are recommending that we do switch your investments, and I'll go through that shortly.","start":946.595,"end":950.615,"sentiment":"neutral","sentiment_score":0.09124184213578701},{"text":"Essentially, one of the things we look at when we do look at whether switching a fund is appropriate or not is the capital gains consequences.","start":951.39496,"end":957.975,"sentiment":"neutral","sentiment_score":0.014029170744694196},{"text":"So just like you, your super fund does a tax return every year.","start":958.195,"end":962.02997,"sentiment":"neutral","sentiment_score":0.06140352957523786},{"text":"They pay income tax, and they pay capital gains tax there as well.","start":962.02997,"end":966.05,"sentiment":"neutral","sentiment_score":0.04859478313189287},{"text":"So, essentially, if we were to look at switching you out and moving to a new complete new super fund, we would be selling down all of the investments, which would have capital gains consequences to it.","start":966.35,"end":977.275,"sentiment":"neutral","sentiment_score":-0.18377929452706027}],"sentiment":"neutral","sentiment_score":-0.03376407541689418,"num_words":105,"start":946.595,"end":977.275},{"sentences":[{"text":"So we are recommending we retain that.","start":977.815,"end":980.075,"sentiment":"neutral","sentiment_score":-0.04719729774764606},{"text":"To give you a bit of an idea, if we had sold down everything and moved out of the fund, it would have triggered over $11,000 in capital gains tax for your super funds.","start":980.29504,"end":990.09,"sentiment":"negative","sentiment_score":-0.35777608392869725},{"text":"So that's a pretty big chunk off your balance, which can be very difficult to get back.","start":990.09,"end":995.07,"sentiment":"negative","sentiment_score":-0.6354621298172894},{"text":"So so limiting that in any way, we're gonna retain NetWell for the time being.","start":996.01,"end":1001.07,"sentiment":"neutral","sentiment_score":-0.15594309518734614},{"text":"I am gonna switch your underlying investments, which actually had a much lower CDT consequence, and I'll show you that in a moment as well.","start":1001.355,"end":1008.815,"sentiment":"neutral","sentiment_score":0.13025127306580545}],"sentiment":"neutral","sentiment_score":-0.2283723341415123,"num_words":98,"start":977.815,"end":1008.815},{"sentences":[{"text":"You'll be able to keep your contributions going in at the current rate, and I'll go through a bit more detail around the rest of the strategies there.","start":1009.195,"end":1016.15497,"sentiment":"positive","sentiment_score":0.3700142039784363},{"text":"So right now, it's just retaining Netwealth, continuing to put your contributions in as you have been, and we'll put the investments out for you.","start":1016.15497,"end":1024.73,"sentiment":"positive","sentiment_score":0.37574488937854766},{"text":"If you can move down for me, just the page number 20, the heading on this one is recommended investments superannuation.","start":1026.15,"end":1033.625,"sentiment":"neutral","sentiment_score":0.15370177371161325},{"text":"You'll see a table, and it's got lots of different investments noted in the table.","start":1034.085,"end":1038.585,"sentiment":"neutral","sentiment_score":0.14953073263168334},{"text":"Yep.","start":1040.8849,"end":1041.27,"sentiment":"neutral","sentiment_score":0.25526440143585205}],"sentiment":"neutral","sentiment_score":0.2831109176079432,"num_words":90,"start":1009.195,"end":1041.27},{"sentences":[{"text":"You can't miss that one.","start":1041.27,"end":1042.97,"sentiment":"neutral","sentiment_score":0.28380884528160094},{"text":"Now this is essentially showing you what we're looking to do within the portfolio.","start":1044.71,"end":1048.5701,"sentiment":"neutral","sentiment_score":0.2304171206695693},{"text":"So at the moment, you're in that growth environment, which as we kinda went through last time, sees 80% in those growth assets.","start":1048.71,"end":1055.11,"sentiment":"neutral","sentiment_score":0.2189590529255245},{"text":"So things like Australian shares, international shares, listed property, and commodities like gold and silver.","start":1055.11,"end":1061.625,"sentiment":"neutral","sentiment_score":0.19918237229188282},{"text":"When you are closer to accessing super like you are, it's important to start considering reducing your risk level significantly.","start":1061.845,"end":1068.585,"sentiment":"neutral","sentiment_score":0.02338966354727745}],"sentiment":"neutral","sentiment_score":0.17060351932977702,"num_words":77,"start":1041.27,"end":1068.585},{"sentences":[{"text":"Essentially, we talked about reducing your risk level and moving from that growth environment to a more balanced environment, which reduces your growth in the investment allocation from 80% to 60% essentially or as close to 60% as possible.","start":1069.8501,"end":1084.91,"sentiment":"neutral","sentiment_score":0.2204065597974337},{"text":"It's about taking less risk in the market and having more defensive or income producing assets within your portfolio, and doing that in a way that you're sort of reducing your risk level, having more income production within the portfolio, but also more capital stabilization.","start":1085.195,"end":1101.3799,"sentiment":"positive","sentiment_score":0.3479397588306003},{"text":"So the idea is to protect the super you have.","start":1101.6,"end":1104.24,"sentiment":"positive","sentiment_score":0.5353293120861053},{"text":"You still wanna get growth and income out of that at a more stable level and without taking too much risk because you are closer to accessing super.","start":1104.24,"end":1112.34,"sentiment":"positive","sentiment_score":0.38222666883042883},{"text":"One of the biggest things I tend to try to avoid is where you're wanting to access your super, but at the time that you decide to retire, there's a very large market dip which you would take into effect.","start":1112.755,"end":1123.735,"sentiment":"neutral","sentiment_score":-0.2560092544183135}],"sentiment":"neutral","sentiment_score":0.18560749784479907,"num_words":162,"start":1069.8501,"end":1123.735},{"sentences":[{"text":"If you think back to the GFC, around that 02/2007, 2008, that was probably one of the biggest times that a lot of people saw that.","start":1124.0349,"end":1132.3401,"sentiment":"neutral","sentiment_score":-0.2647583822791393},{"text":"There was a lot of pea previous clients who were trying to, you know, access their super around that time.","start":1132.3401,"end":1138.225,"sentiment":"neutral","sentiment_score":-0.28261384591460226},{"text":"And when they were retiring, the GFC kinda hit, which meant that if they continue to retire and stop working, they would be cementing the losses.","start":1138.285,"end":1145.805,"sentiment":"negative","sentiment_score":-0.4180154502391815},{"text":"So reducing your risk level essentially comes into that aspect in trying to protect the capital you have within so far.","start":1145.805,"end":1153.0801,"sentiment":"neutral","sentiment_score":0.0032921520372231803},{"text":"So what we wanna do with your portfolio is, at the moment, you've got some physical gold in there.","start":1153.86,"end":1159.16,"sentiment":"neutral","sentiment_score":0.10414188472848189}],"sentiment":"neutral","sentiment_score":-0.19068362108165665,"num_words":112,"start":1124.0349,"end":1159.16},{"sentences":[{"text":"One of your things is that you wanted to increase your exposure into physical gold, and absolutely fine to do so.","start":1159.4601,"end":1164.8201,"sentiment":"neutral","sentiment_score":0.1561184837704613},{"text":"You have about 8.27% there at the moment.","start":1164.8201,"end":1167.8,"sentiment":"neutral","sentiment_score":0.1070389375090599},{"text":"In the balanced portfolio, we're gonna increase that to 10% for you.","start":1168.015,"end":1172.115,"sentiment":"neutral","sentiment_score":0.20091100657979646},{"text":"That it's only a it's only a small increase, and one of the reasons I'm not increasing it above that level is that gold, whilst it is a good commodity, has seen really good growth, there's no income that's produced out of it.","start":1173.0549,"end":1184.7999,"sentiment":"neutral","sentiment_score":-0.06934499931196834},{"text":"So in order to take advantage of the growth that is produced from physical gold, you have to then sell the asset and cement the gains to redistribute them.","start":1184.7999,"end":1194.74,"sentiment":"neutral","sentiment_score":0.06504719447473}],"sentiment":"neutral","sentiment_score":0.048232437235064214,"num_words":113,"start":1159.4601,"end":1194.74},{"sentences":[{"text":"So it is good to have more gold in your portfolio.","start":1194.765,"end":1197.185,"sentiment":"positive","sentiment_score":0.5309018072756854},{"text":"It does act defensively at certain times, which is great, but it's also not an income product producing asset.","start":1197.3251,"end":1203.805,"sentiment":"positive","sentiment_score":0.3374138878364312},{"text":"So we wanna hold about 10% in there.","start":1203.805,"end":1206.4451,"sentiment":"neutral","sentiment_score":0.23004193790256977},{"text":"It does mean that you have more than you currently have, which is a benefit for you.","start":1206.4451,"end":1210.28,"sentiment":"positive","sentiment_score":0.4195406559635611},{"text":"Okay?","start":1212.18,"end":1212.5,"sentiment":"neutral","sentiment_score":0.20076391100883484}],"sentiment":"positive","sentiment_score":0.3825727556166904,"num_words":56,"start":1194.765,"end":1212.5},{"sentences":[{"text":"Excellent.","start":1212.5,"end":1213.0,"sentiment":"positive","sentiment_score":0.604770839214325},{"text":"You've also got the beta shares a 200 in there.","start":1213.38,"end":1216.02,"sentiment":"neutral","sentiment_score":0.25993704199790957},{"text":"This is giving you exposure to the top 200 companies on the ASX.","start":1216.02,"end":1219.8,"sentiment":"neutral","sentiment_score":0.23869625192422134},{"text":"At the moment, you've got about 34.23% in that balanced environment.","start":1220.42,"end":1224.895,"sentiment":"neutral","sentiment_score":0.1367333856495944},{"text":"We only wanna hold 30%, so we're gonna reduce that exposure and sell some of that investment for you.","start":1224.9551,"end":1230.635,"sentiment":"neutral","sentiment_score":0.13894926599766078}],"sentiment":"neutral","sentiment_score":0.19354251537609984,"num_words":54,"start":1212.5,"end":1230.635},{"sentences":[{"text":"Okay?","start":1230.635,"end":1231.135,"sentiment":"neutral","sentiment_score":0.08927808701992035},{"text":"You've also got your Vanguard fixed interest.","start":1232.4751,"end":1235.04,"sentiment":"neutral","sentiment_score":0.10386603219168526},{"text":"So this is giving you access to sent sorry.","start":1235.04,"end":1237.78,"sentiment":"neutral","sentiment_score":0.09256649431255129},{"text":"Fixed interest, so bonds and cash investments, term deposits, and things like that.","start":1237.8401,"end":1242.5801,"sentiment":"neutral","sentiment_score":0.07728285113206276},{"text":"You hold about 9% there at the moment.","start":1243.04,"end":1245.6201,"sentiment":"neutral","sentiment_score":0.03351409547030926}],"sentiment":"neutral","sentiment_score":0.07690075235931497,"num_words":38,"start":1230.635,"end":1245.6201},{"sentences":[{"text":"In this balanced environment, we wanna hold a bit more of that investment, so we're gonna increase your exposure to 22% there.","start":1245.8401,"end":1252.175,"sentiment":"neutral","sentiment_score":0.13838342340155083},{"text":"It means buying a bit more.","start":1252.175,"end":1253.635,"sentiment":"neutral","sentiment_score":0.10830973461270332},{"text":"You've got there the BetaShares cybersecurity, essentially, currently holding 5.51%.","start":1254.175,"end":1260.7351,"sentiment":"neutral","sentiment_score":0.09333564341068268},{"text":"We wanna reduce that exposure to 4%, so it just means selling a little bit of that investment off.","start":1260.7351,"end":1265.82,"sentiment":"neutral","sentiment_score":0.07703441852017452},{"text":"Okay?","start":1266.1399,"end":1266.6399,"sentiment":"neutral","sentiment_score":0.08089480549097061}],"sentiment":"neutral","sentiment_score":0.10641722265502503,"num_words":58,"start":1245.8401,"end":1266.6399},{"sentences":[{"text":"We've also got the iShares Europe is the next one down.","start":1268.2999,"end":1271.4199,"sentiment":"neutral","sentiment_score":0.12257680093700235},{"text":"This is giving you exposure to all 16 European countries, so both established and emerging markets, which is great for diversification.","start":1271.4199,"end":1278.48,"sentiment":"neutral","sentiment_score":0.26428051718643736},{"text":"You're only just overexposed at the moment.","start":1279.515,"end":1281.515,"sentiment":"neutral","sentiment_score":0.0024546153311218533},{"text":"You've got about 4.66%.","start":1281.515,"end":1283.755,"sentiment":"neutral","sentiment_score":0.04918391443789005},{"text":"We wanna hold about 4%, so it's just about selling off a very small portion of that to rebalance you back a little bit.","start":1283.755,"end":1289.855,"sentiment":"neutral","sentiment_score":0.08482444814095895}],"sentiment":"neutral","sentiment_score":0.13653642375633787,"num_words":67,"start":1268.2999,"end":1289.855},{"sentences":[{"text":"Okay?","start":1289.915,"end":1290.415,"sentiment":"neutral","sentiment_score":0.08388492465019226},{"text":"And then we've also got the iShares of Japan for giving you exposure to the Japanese market.","start":1291.29,"end":1296.49,"sentiment":"neutral","sentiment_score":0.15127857774496078},{"text":"You've currently got 4.04%.","start":1296.49,"end":1298.99,"sentiment":"neutral","sentiment_score":0.09110778907779604},{"text":"We only wanna hold 4% of that investment, so we're just selling off about $200 of that one just to rebalance you back a little bit.","start":1299.29,"end":1306.51,"sentiment":"neutral","sentiment_score":-0.014555853648254504},{"text":"And then also holding the S and P 500.","start":1306.6849,"end":1309.405,"sentiment":"neutral","sentiment_score":0.050385950340165034}],"sentiment":"neutral","sentiment_score":0.05429953089179961,"num_words":57,"start":1289.915,"end":1309.405},{"sentences":[{"text":"This is giving you exposure to the top 500 companies on the American market there.","start":1309.405,"end":1315.165,"sentiment":"neutral","sentiment_score":0.09010602583487828},{"text":"You've got about 25 invested in this portfolio.","start":1315.165,"end":1318.225,"sentiment":"neutral","sentiment_score":0.11959016229957342},{"text":"We only wanna hold about 20% of this investment, so we'll be selling a little bit of that for you to rebalance you back a little bit.","start":1318.445,"end":1324.8999,"sentiment":"neutral","sentiment_score":0.10111568040317959},{"text":"Okay?","start":1324.8999,"end":1325.3999,"sentiment":"neutral","sentiment_score":0.08918029069900513},{"text":"Excellent.","start":1326.74,"end":1327.24,"sentiment":"positive","sentiment_score":0.6163601875305176}],"sentiment":"neutral","sentiment_score":0.11046106798144487,"num_words":52,"start":1309.405,"end":1327.24},{"sentences":[{"text":"So just made a slight changes, and essentially means that we're lowering the CGT.","start":1327.38,"end":1332.12,"sentiment":"neutral","sentiment_score":0.29419177770614624},{"text":"It's also a low risk portfolio, but still maintaining its exposure to a diversified range of investments.","start":1332.4199,"end":1338.1649,"sentiment":"neutral","sentiment_score":0.2942105549223283},{"text":"And not everyone's that interested in all of those, but do you have any questions so far?","start":1338.625,"end":1342.965,"sentiment":"neutral","sentiment_score":0.04461889385300524},{"text":"No?","start":1345.6649,"end":1346.065,"sentiment":"neutral","sentiment_score":-0.0901949554681778},{"text":"That's okay.","start":1346.065,"end":1346.885,"sentiment":"neutral","sentiment_score":-0.05848160944879055}],"sentiment":"neutral","sentiment_score":0.18963975181766585,"num_words":51,"start":1327.38,"end":1346.885},{"sentences":[{"text":"Excellent.","start":1349.1849,"end":1349.6849,"sentiment":"positive","sentiment_score":0.48924487829208374},{"text":"All good.","start":1349.825,"end":1350.645,"sentiment":"positive","sentiment_score":0.5194061249494553},{"text":"Now one of the other things that we do look at, that you wanted me to look at as well was the Mica Metals.","start":1350.7999,"end":1356.26,"sentiment":"neutral","sentiment_score":0.10981075527767341},{"text":"You wanted me to have a look to see if it was worth adding any of this into your super.","start":1356.7999,"end":1361.0599,"sentiment":"neutral","sentiment_score":0.1272546123713255},{"text":"I did have a look at it, and I did sort of go to portfolio.","start":1361.36,"end":1368.3251,"sentiment":"neutral","sentiment_score":0.065773190309604}],"sentiment":"neutral","sentiment_score":0.1241162154342859,"num_words":62,"start":1349.1849,"end":1368.3251},{"sentences":[{"text":"And that is essentially because of based on our analysis and the research we were able to look at, it is a very volatile asset.","start":1368.785,"end":1377.8251,"sentiment":"neutral","sentiment_score":-0.01662214070558548},{"text":"So it goes up and down in, you know, very it is very volatile.","start":1377.8251,"end":1382.4701,"sentiment":"neutral","sentiment_score":-0.09286212734878063},{"text":"It goes up and down in very short time frames and historically has fluctuated pretty drastically.","start":1382.4701,"end":1388.5701,"sentiment":"neutral","sentiment_score":-0.13404757855460048},{"text":"So, essentially, we assess the risk level as being too high for your super based on your risk capacity, your tolerance.","start":1389.1101,"end":1395.605,"sentiment":"neutral","sentiment_score":-0.06848406195197076},{"text":"However, if you wanted to look at investing in in your own name outside of super, it is something you could definitely look at.","start":1396.225,"end":1401.8251,"sentiment":"neutral","sentiment_score":0.1116776845107476}],"sentiment":"neutral","sentiment_score":-0.026182854301296174,"num_words":100,"start":1368.785,"end":1401.8251},{"sentences":[{"text":"I'm more than happy to provide you with the research data.","start":1401.8251,"end":1404.645,"sentiment":"positive","sentiment_score":0.5045683248476549},{"text":"We just sort of we just wanted to sort of look at with your super, you're tracking towards retirement.","start":1404.865,"end":1410.56,"sentiment":"neutral","sentiment_score":0.13595353086528025},{"text":"We don't wanna do anything that's gonna put too much risk on your super.","start":1410.62,"end":1414.24,"sentiment":"neutral","sentiment_score":-0.3073840066790581},{"text":"We want you to get to retirement and enjoy your retirement years, not be having to make money back because of a large drop because of a certain portfolio or a certain asset in your portfolio there.","start":1414.3,"end":1424.255,"sentiment":"neutral","sentiment_score":0.0637110268848168},{"text":"So we're not adding that in.","start":1424.635,"end":1425.915,"sentiment":"neutral","sentiment_score":0.013817155733704567}],"sentiment":"neutral","sentiment_score":0.07207130454480648,"num_words":87,"start":1401.8251,"end":1425.915},{"sentences":[{"text":"We're keeping you in a more conservative environment and looking after your super for you.","start":1425.915,"end":1430.3351,"sentiment":"neutral","sentiment_score":0.25295832256476086},{"text":"But I do have in that document there a little bit of information around why we did and or did not look at it for you, why we did or did not add it into the portfolio so you can sort of see that as well.","start":1430.555,"end":1441.0,"sentiment":"neutral","sentiment_score":0.004596193321049213},{"text":"Okay?","start":1442.1799,"end":1442.6799,"sentiment":"neutral","sentiment_score":0.059250231832265854},{"text":"Excellent.","start":1442.82,"end":1443.32,"sentiment":"positive","sentiment_score":0.4365274906158447},{"text":"On the next page, if you scroll down, you'll see your cash investment there.","start":1444.6599,"end":1448.1799,"sentiment":"neutral","sentiment_score":0.08695088672850813}],"sentiment":"neutral","sentiment_score":0.07427129698554416,"num_words":77,"start":1425.915,"end":1448.1799},{"sentences":[{"text":"Now within Netwealth, we wanna hold about 2% cash.","start":1448.1799,"end":1450.935,"sentiment":"neutral","sentiment_score":0.016620172187685966},{"text":"At the moment, you've got about a bit of a 4% there.","start":1451.015,"end":1453.895,"sentiment":"neutral","sentiment_score":-0.01112131510550777},{"text":"So, realistically, you've got too much cash sitting there.","start":1453.895,"end":1456.8551,"sentiment":"neutral","sentiment_score":-0.10083590013285477},{"text":"We're just gonna reinvest about 9,000 of that and make sure that you don't hold any more cash than what you need to within your portfolio.","start":1456.8551,"end":1463.5951,"sentiment":"neutral","sentiment_score":-0.053445349662349775},{"text":"Okay?","start":1464.055,"end":1464.555,"sentiment":"neutral","sentiment_score":0.02397311106324196}],"sentiment":"neutral","sentiment_score":-0.03959654934965728,"num_words":57,"start":1448.1799,"end":1464.555},{"sentences":[{"text":"Excellent.","start":1466.61,"end":1467.11,"sentiment":"positive","sentiment_score":0.4281575083732605},{"text":"Beautiful.","start":1467.4099,"end":1467.9099,"sentiment":"positive","sentiment_score":0.44064462184906006},{"text":"If you can scroll down to the next page for me, the next one down has the proposed asset allocation.","start":1468.7699,"end":1475.59,"sentiment":"neutral","sentiment_score":0.11240981798619032},{"text":"Beautiful.","start":1478.405,"end":1478.905,"sentiment":"neutral","sentiment_score":0.27694636583328247},{"text":"Now this is sort of showing you essentially where the asset allocation sits with you currently versus what I'm recommending.","start":1478.965,"end":1486.585,"sentiment":"neutral","sentiment_score":0.10386126451194286}],"sentiment":"neutral","sentiment_score":0.1272365150236806,"num_words":43,"start":1466.61,"end":1486.585},{"sentences":[{"text":"So you I'm sort of looking at the two columns, the existing and the proposed there.","start":1487.045,"end":1490.88,"sentiment":"neutral","sentiment_score":0.08013386139646173},{"text":"So the existing, when you look at the growth assets, it's it shows it's the bold column.","start":1490.96,"end":1496.34,"sentiment":"neutral","sentiment_score":0.10020492620327894},{"text":"You'll see 87.72%.","start":1496.56,"end":1498.96,"sentiment":"neutral","sentiment_score":0.11413168907165527},{"text":"So at the moment, you're sitting in more of that growth profile.","start":1498.96,"end":1501.78,"sentiment":"neutral","sentiment_score":0.14564494912823042},{"text":"By making these slight changes to your super, we're essentially reducing your growth assets down to about 76%, which is a positive for you.","start":1502.08,"end":1510.795,"sentiment":"neutral","sentiment_score":0.29542857718964416}],"sentiment":"neutral","sentiment_score":0.1689728588486711,"num_words":72,"start":1487.045,"end":1510.795},{"sentences":[{"text":"Okay?","start":1510.795,"end":1511.295,"sentiment":"neutral","sentiment_score":0.10283191502094267},{"text":"Excellent.","start":1512.555,"end":1513.055,"sentiment":"positive","sentiment_score":0.3584882915019989},{"text":"And then we've also got at the moment about 12.28% in defensive assets, so things like cash, bonds, fixed interest, things like that.","start":1513.275,"end":1521.39,"sentiment":"neutral","sentiment_score":0.1784702950845594},{"text":"We're increasing those defensive assets.","start":1521.61,"end":1523.79,"sentiment":"neutral","sentiment_score":0.15818331986665726},{"text":"They're more lower risk, and we're increasing them to 24% with this new portfolio for you.","start":1524.3301,"end":1530.1901,"sentiment":"neutral","sentiment_score":0.2764631500467658}],"sentiment":"neutral","sentiment_score":0.21261878246846405,"num_words":46,"start":1510.795,"end":1530.1901},{"sentences":[{"text":"Okay?","start":1530.25,"end":1530.75,"sentiment":"neutral","sentiment_score":0.06959569454193115},{"text":"Excellent.","start":1531.6901,"end":1532.1901,"sentiment":"positive","sentiment_score":0.637108325958252},{"text":"It can be a lot.","start":1532.9751,"end":1534.015,"sentiment":"positive","sentiment_score":0.3387456119060516},{"text":"This is why we sort of want you to look at the document with me, but do you have any questions at the moment?","start":1534.015,"end":1537.935,"sentiment":"neutral","sentiment_score":0.08776321075856686},{"text":"Is there anything you wanted me to kinda go through in more detail or run through with you?","start":1537.935,"end":1542.435,"sentiment":"neutral","sentiment_score":-0.00004741327009267277}],"sentiment":"neutral","sentiment_score":0.09195705508927302,"num_words":49,"start":1530.25,"end":1542.435},{"sentences":[{"text":"Yeah.","start":1543.6951,"end":1544.175,"sentiment":"neutral","sentiment_score":0.17536726593971252},{"text":"That's okay?","start":1544.175,"end":1544.995,"sentiment":"neutral","sentiment_score":0.18960244953632355},{"text":"Beautiful.","start":1545.055,"end":1545.555,"sentiment":"positive","sentiment_score":0.506303071975708},{"text":"Now the next page is where it gets a little bit more complex.","start":1546.67,"end":1549.89,"sentiment":"neutral","sentiment_score":0.06862250027748254},{"text":"This is looking at that transition retirement strategy, essentially.","start":1549.95,"end":1553.25,"sentiment":"neutral","sentiment_score":0.04162243836455875}],"sentiment":"neutral","sentiment_score":0.08952191099524498,"num_words":26,"start":1543.6951,"end":1553.25},{"sentences":[{"text":"So if you go down to the next page, it'll have the transfer time strategy outlined for you, and that's on page 23.","start":1554.11,"end":1563.585,"sentiment":"neutral","sentiment_score":0.05623343554527863},{"text":"Is that what you can see?","start":1563.585,"end":1565.2849,"sentiment":"neutral","sentiment_score":0.033681718011697136},{"text":"Beautiful.","start":1567.0249,"end":1567.5249,"sentiment":"positive","sentiment_score":0.43824341893196106},{"text":"So, essentially, what we're gonna do now the way this essentially works is that it helps you by increasing contributions in your super.","start":1567.825,"end":1574.3201,"sentiment":"neutral","sentiment_score":0.21579763811567557},{"text":"So you'll be able to start salary sacrificing an additional $200 per week into your super.","start":1574.3201,"end":1581.12,"sentiment":"neutral","sentiment_score":0.23014553543180227}],"sentiment":"neutral","sentiment_score":0.15332430417554965,"num_words":69,"start":1554.11,"end":1581.12},{"sentences":[{"text":"So you're essentially adding an extra $10,400 across the year into super as salary sacrifice.","start":1581.12,"end":1587.3,"sentiment":"neutral","sentiment_score":0.23194363415241243},{"text":"However, because normal salary sacrifice means that your take home pay is reduced, what we're able to do, because you're over the age of 60, is we're able to open up a second.","start":1588.245,"end":1598.5651,"sentiment":"neutral","sentiment_score":0.033826876770366325},{"text":"It's called a transition retirement pension account.","start":1598.5651,"end":1601.545,"sentiment":"neutral","sentiment_score":0.07461729007107872},{"text":"So you will have two super accounts, one super accumulation where your contributions go into, and we'll have a second kind of pension account with a 165,539 sitting in that.","start":1601.87,"end":1614.37,"sentiment":"neutral","sentiment_score":0.07981036206086477},{"text":"The other 233 remain in your super account.","start":1614.455,"end":1617.515,"sentiment":"neutral","sentiment_score":0.050872981548309326}],"sentiment":"neutral","sentiment_score":0.0851511525851424,"num_words":93,"start":1581.12,"end":1617.515},{"sentences":[{"text":"What we're able to do is once you start that $200 per week contribution in the super, to make sure that your take home pay basically stays at the same level as what it is currently, we'll start to be able to draw down on that.","start":1617.895,"end":1631.0199,"sentiment":"neutral","sentiment_score":0.17328006547430289},{"text":"Essentially, we're able to draw down up to 10% of the balance, and we're gonna be able to withdraw $6,622 on a yearly basis if I work out that per week for you.","start":1631.0199,"end":1642.995,"sentiment":"neutral","sentiment_score":0.17161141606894406},{"text":"52.","start":1644.515,"end":1645.075,"sentiment":"neutral","sentiment_score":0.026165366172790527},{"text":"It's about a $127.34 per week, and that replenishes your income, essentially.","start":1645.075,"end":1651.735,"sentiment":"positive","sentiment_score":0.33548781648278236},{"text":"So you end up putting more money into super into the tax effective environment, the $200 per week, where it's only taxed at 15% instead of your marginal tax rate.","start":1652.515,"end":1662.74,"sentiment":"positive","sentiment_score":0.4695752869049708}],"sentiment":"neutral","sentiment_score":0.2604371927312163,"num_words":122,"start":1617.895,"end":1662.74},{"sentences":[{"text":"You end up with more money sitting in your super invested working harder for you.","start":1662.8,"end":1667.14,"sentiment":"positive","sentiment_score":0.5392120202382406},{"text":"And then we draw out a small amount of money less than you're putting in about a $127 per week out of the super system to your bank account.","start":1667.2,"end":1675.765,"sentiment":"positive","sentiment_score":0.4201536106652227},{"text":"It replenishes your income, and the amount you take out of the super system is completely tax free for you.","start":1675.765,"end":1681.9451,"sentiment":"positive","sentiment_score":0.6194192886352539},{"text":"Does that make sense?","start":1682.165,"end":1683.2051,"sentiment":"neutral","sentiment_score":0.16671354696154594},{"text":"Do you have any questions?","start":1683.2051,"end":1684.425,"sentiment":"neutral","sentiment_score":0.03387045562267303}],"sentiment":"positive","sentiment_score":0.4588661267332835,"num_words":73,"start":1662.8,"end":1684.425},{"sentences":[{"text":"Well, the main thing is that it's keeping your take home pay basically the same.","start":1693.58,"end":1697.4199,"sentiment":"neutral","sentiment_score":0.14850769490003585},{"text":"So because you're putting that that $200 into super every week, you're actually coming out with, you know, less than $200, but your, you know, your take home pay is reduced.","start":1697.4199,"end":1706.645,"sentiment":"neutral","sentiment_score":0.031724354552645835},{"text":"So because life is expensive, we draw a little bit out of your out of the super system to kinda replenish your income.","start":1706.645,"end":1713.145,"sentiment":"neutral","sentiment_score":-0.03443653687186863},{"text":"If at the end of the year, you don't need that, you wanna put it back into super, you're always welcome to let me know.","start":1713.71,"end":1718.51,"sentiment":"neutral","sentiment_score":0.16948018580675125},{"text":"We can definitely look at doing that for you.","start":1718.51,"end":1720.77,"sentiment":"positive","sentiment_score":0.36730916963683236}],"sentiment":"neutral","sentiment_score":0.09671667221825099,"num_words":103,"start":1693.58,"end":1720.77},{"sentences":[{"text":"But we just wanna make sure that with this strategy that you're not less short in any way because growth is expensive at the moment and no minor shopping.","start":1720.91,"end":1729.605,"sentiment":"neutral","sentiment_score":-0.11366435159640066},{"text":"Yeah.","start":1731.825,"end":1732.325,"sentiment":"neutral","sentiment_score":0.11553007364273073},{"text":"If you go down for me to the next page to page 25, I can show you in numbers essentially how this looks for you.","start":1733.105,"end":1740.03,"sentiment":"neutral","sentiment_score":0.11814102619886398},{"text":"Yeah.","start":1743.0701,"end":1743.5701,"sentiment":"neutral","sentiment_score":0.08879703283309937},{"text":"So we've worked out your income based on your contributions and the information that we've been able to work out.","start":1743.87,"end":1748.35,"sentiment":"neutral","sentiment_score":0.2104632541537285}],"sentiment":"neutral","sentiment_score":0.0535638374766629,"num_words":76,"start":1720.91,"end":1748.35},{"sentences":[{"text":"So we've worked out on average, you should get about a 160,000 in income.","start":1748.35,"end":1752.37,"sentiment":"neutral","sentiment_score":0.28721958505255835},{"text":"In the current position, you're not making any current salary sacrifice contributions.","start":1752.915,"end":1757.175,"sentiment":"neutral","sentiment_score":-0.033039972418919206},{"text":"In the proposed, we're recommending $200 per week, so 10,400 over the course of the year.","start":1757.4751,"end":1763.3351,"sentiment":"neutral","sentiment_score":0.14227925473824143},{"text":"That reduces your taxable income down to a 149,600.","start":1763.795,"end":1769.39,"sentiment":"neutral","sentiment_score":-0.016035940705074206},{"text":"So because the salary sacrifice is deducted from your income pretax, it reduces your total taxable income.","start":1769.61,"end":1776.11,"sentiment":"neutral","sentiment_score":0.2943818201037014}],"sentiment":"neutral","sentiment_score":0.15825338342555745,"num_words":68,"start":1748.35,"end":1776.11},{"sentences":[{"text":"Then you're paying income tax.","start":1776.65,"end":1779.4501,"sentiment":"neutral","sentiment_score":0.13706403076648713},{"text":"So in your current position, paying roughly 43,470 on income tax each year.","start":1779.4501,"end":1785.885,"sentiment":"neutral","sentiment_score":0.20506774118313423},{"text":"By increasing salary sacrifice, you're reducing the income tax to $39,415.","start":1786.025,"end":1793.545,"sentiment":"positive","sentiment_score":0.3417705243284052},{"text":"So it's giving you essentially a reduction in income tax, which is a benefit.","start":1793.545,"end":1798.1,"sentiment":"positive","sentiment_score":0.3450969638569014},{"text":"You pay less income tax.","start":1798.1,"end":1799.6399,"sentiment":"neutral","sentiment_score":0.29894381761550903}],"sentiment":"neutral","sentiment_score":0.2799323570604126,"num_words":48,"start":1776.65,"end":1799.6399},{"sentences":[{"text":"However, it doesn't reduce your your net income.","start":1801.1399,"end":1803.8799,"sentiment":"neutral","sentiment_score":0.043553369119763374},{"text":"So when you think about your current scenario, current income minus the income tax payable, it means that your take home pay is actually about a 116,530.","start":1804.0199,"end":1813.8251,"sentiment":"neutral","sentiment_score":0.11524971491760677},{"text":"Under the proposed, we start with a 160.","start":1814.045,"end":1817.005,"sentiment":"neutral","sentiment_score":0.11631226167082787},{"text":"We increase the contributions to super.","start":1817.005,"end":1819.425,"sentiment":"neutral","sentiment_score":0.23127625634272894},{"text":"We're then lowering the income tax, but it also means that the take home pay is reduced to about a 110,000 as well.","start":1819.7251,"end":1827.1,"sentiment":"neutral","sentiment_score":0.2331302865691807}],"sentiment":"neutral","sentiment_score":0.15472668719788393,"num_words":72,"start":1801.1399,"end":1827.1},{"sentences":[{"text":"So in order to replenish that so you can still pay your bills, go on your holidays, and do all the work that you need to pay for groceries, we we draw out of the super system $6,622 on a yearly basis or about a $127.35 per week, and that is paid to your bank account.","start":1827.3999,"end":1849.255,"sentiment":"neutral","sentiment_score":0.18286216392048768},{"text":"And, essentially, at the bottom there shows that you it reduces or it brings back your net take home pay.","start":1849.75,"end":1855.77,"sentiment":"neutral","sentiment_score":0.1228246659040451},{"text":"It actually gives you a little bit more take home pay than what you're currently getting, which is also a benefit.","start":1856.23,"end":1861.0499,"sentiment":"neutral","sentiment_score":0.21410714338223139},{"text":"But you're essentially gonna have the same take home pay.","start":1862.085,"end":1864.565,"sentiment":"neutral","sentiment_score":0.11074455603957176},{"text":"It's just coming from two different sources.","start":1864.565,"end":1866.4249,"sentiment":"neutral","sentiment_score":0.10588085012776512}],"sentiment":"neutral","sentiment_score":0.1670318949117995,"num_words":114,"start":1827.3999,"end":1866.4249},{"sentences":[{"text":"The amount of money you're receiving out of the super system because you're over 60 is completely tax free.","start":1867.205,"end":1872.745,"sentiment":"neutral","sentiment_score":0.1939419798160854},{"text":"Under the transition time and strategy, we're only able to access on this financial year up to 10%.","start":1873.0449,"end":1879.23,"sentiment":"neutral","sentiment_score":-0.07875470589432451},{"text":"So we're not able to access the full balance in under pension until you retire.","start":1879.77,"end":1883.93,"sentiment":"neutral","sentiment_score":-0.15094445769985518},{"text":"But this kind of strategy is really cool because it allows you to put more money into super, take advantage of that more tax effective strategy.","start":1883.93,"end":1891.31,"sentiment":"positive","sentiment_score":0.6477676503933393},{"text":"It's essentially think of it as moving money around in a more tax effective way.","start":1892.205,"end":1895.725,"sentiment":"positive","sentiment_score":0.5487262507279714}],"sentiment":"neutral","sentiment_score":0.2696343947963048,"num_words":93,"start":1867.205,"end":1895.725},{"sentences":[{"text":"Instead of receiving all of your salary, personally, I'm paying more income tax.","start":1895.725,"end":1900.0449,"sentiment":"neutral","sentiment_score":0.172087001399352},{"text":"You're putting an extra $200 per week in the super.","start":1900.0449,"end":1903.025,"sentiment":"positive","sentiment_score":0.39297914505004883},{"text":"That reduces your salary and the income tax that you're paying.","start":1903.485,"end":1907.505,"sentiment":"positive","sentiment_score":0.360856524922631},{"text":"But because you would normally have, you know, less money in your bank account each week, we use some of your existing super, and we start a secondary pension account.","start":1908.1799,"end":1917.08,"sentiment":"neutral","sentiment_score":0.20716674675544103},{"text":"From that pension account, you draw down a $127 per week that goes into your bank account.","start":1917.22,"end":1922.84,"sentiment":"neutral","sentiment_score":0.231518252807505}],"sentiment":"neutral","sentiment_score":0.25045872769422,"num_words":81,"start":1895.725,"end":1922.84},{"sentences":[{"text":"And, essentially, we reevaluate that strategy every year, and we can keep rolling in and out and updating the figures on a regular basis.","start":1923.125,"end":1930.665,"sentiment":"neutral","sentiment_score":0.32019128153721493},{"text":"Instead of you paying 30 odd percent tax on that money, it's only paying 15% in the super system.","start":1931.4451,"end":1937.4451,"sentiment":"neutral","sentiment_score":-0.05454380241663832},{"text":"Does that make sense?","start":1937.4451,"end":1938.33,"sentiment":"neutral","sentiment_score":0.012460151221603155},{"text":"Yeah.","start":1940.25,"end":1940.75,"sentiment":"neutral","sentiment_score":0.02366645447909832},{"text":"Yeah.","start":1941.2899,"end":1941.69,"sentiment":"neutral","sentiment_score":0.2330605387687683}],"sentiment":"neutral","sentiment_score":0.14193522671655734,"num_words":49,"start":1923.125,"end":1941.69},{"sentences":[{"text":"It's pretty cool the way it works.","start":1941.69,"end":1943.39,"sentiment":"positive","sentiment_score":0.5498275543962207},{"text":"It's a strategy that not everyone can do.","start":1943.9299,"end":1946.09,"sentiment":"neutral","sentiment_score":0.28559520095586777},{"text":"You have to be over 60 to be out of benefit in these types of really fun strategies, so it's a benefit to getting older, essentially.","start":1946.09,"end":1952.6699,"sentiment":"neutral","sentiment_score":0.180882793206435},{"text":"But it ultimately keeps your take home pay the same.","start":1953.375,"end":1956.015,"sentiment":"positive","sentiment_score":0.3353534698486328},{"text":"You put more money in the paper, and you pay less tax, which is never a bad thing.","start":1956.015,"end":1960.995,"sentiment":"positive","sentiment_score":0.43582869403892094}],"sentiment":"neutral","sentiment_score":0.31934722178224206,"num_words":69,"start":1941.69,"end":1960.995},{"sentences":[{"text":"Yeah.","start":1963.135,"end":1963.635,"sentiment":"neutral","sentiment_score":0.28860312700271606},{"text":"All good.","start":1963.935,"end":1964.595,"sentiment":"positive","sentiment_score":0.42329099774360657},{"text":"If you can move down for me to page number 30, I can show you essentially the outcome and the projected outcome of what this should look like for you.","start":1965.055,"end":1973.48,"sentiment":"neutral","sentiment_score":0.2996713384985924},{"text":"Beautiful.","start":1980.8999,"end":1981.3999,"sentiment":"positive","sentiment_score":0.4118400812149048},{"text":"So at the moment, your current scenario has your current Netwealth account there and the fees that you do pay.","start":1982.205,"end":1987.485,"sentiment":"neutral","sentiment_score":0.16292724907398223}],"sentiment":"neutral","sentiment_score":0.25547611741004167,"num_words":54,"start":1963.135,"end":1987.485},{"sentences":[{"text":"You pay administration fees, investment fees, the ongoing service fee for us, and also contributions going in there.","start":1987.485,"end":1994.385,"sentiment":"neutral","sentiment_score":0.15762465198834738},{"text":"No pension withdrawal at the moment.","start":1994.445,"end":1996.465,"sentiment":"neutral","sentiment_score":0.03118155213693778},{"text":"By starting the strategy, doing the investment switch, and then opening the trans transition to retirement pension, you'll have the two accounts.","start":1997.88,"end":2006.14,"sentiment":"neutral","sentiment_score":0.17358261008154263},{"text":"The accumulation, which is your super, that's essentially where your your money is now.","start":2006.52,"end":2011.495,"sentiment":"neutral","sentiment_score":0.17157719204468386},{"text":"It's in the accumulation phase.","start":2011.495,"end":2013.015,"sentiment":"neutral","sentiment_score":0.04160973504185676}],"sentiment":"neutral","sentiment_score":0.14543507437293346,"num_words":65,"start":1987.485,"end":2013.015},{"sentences":[{"text":"We're accumulating wealth for retirement.","start":2013.015,"end":2015.035,"sentiment":"neutral","sentiment_score":0.09950151070952415},{"text":"We'll leave 233,000 in that account.","start":2015.5751,"end":2018.635,"sentiment":"neutral","sentiment_score":0.042573447339236736},{"text":"Sorry.","start":2019.015,"end":2019.515,"sentiment":"neutral","sentiment_score":-0.049040816724300385},{"text":"In the pension, we'll open it up with a 165,539.","start":2020.535,"end":2025.8,"sentiment":"neutral","sentiment_score":0.008431150484830141},{"text":"After completing the investment switch and you remember how I talked before about, yeah, if we were to sell down all the investments, the CGT would have been over $11,000?","start":2026.34,"end":2036.68,"sentiment":"neutral","sentiment_score":-0.010745223012054338}],"sentiment":"neutral","sentiment_score":0.008958889141257923,"num_words":52,"start":2013.015,"end":2036.68},{"sentences":[{"text":"Yeah.","start":2038.3049,"end":2038.7849,"sentiment":"neutral","sentiment_score":0.26132088899612427},{"text":"So by keeping everything in net wealth and just making the smallest switch with with your investments, the expected capital gains consequence for your super fund is about 1,381.","start":2038.7849,"end":2050.565,"sentiment":"positive","sentiment_score":0.3792537882410247},{"text":"So we can reduce your risk level and alter those investments as we need to, and it reduces the amount of tax that your super fund would have to pay, which is a benefit.","start":2050.625,"end":2059.58,"sentiment":"neutral","sentiment_score":0.30921037166434173},{"text":"Okay?","start":2059.8801,"end":2060.3801,"sentiment":"neutral","sentiment_score":0.13356663286685944},{"text":"Excellent.","start":2061.8801,"end":2062.3801,"sentiment":"positive","sentiment_score":0.6010407209396362}],"sentiment":"positive","sentiment_score":0.34102182936939324,"num_words":66,"start":2038.3049,"end":2062.3801},{"sentences":[{"text":"Essentially, you then have the two accounts.","start":2063.1602,"end":2064.9202,"sentiment":"neutral","sentiment_score":0.31556823423930574},{"text":"You've got your ongoing administration fees.","start":2064.9202,"end":2067.26,"sentiment":"neutral","sentiment_score":0.20511324455340704},{"text":"That is two accounts, so it does mean that they are slightly higher.","start":2067.765,"end":2070.825,"sentiment":"neutral","sentiment_score":0.1509977367061835},{"text":"However, we can also save not a great deal.","start":2071.4448,"end":2075.125,"sentiment":"neutral","sentiment_score":0.30112890402475995},{"text":"It's about a dollar, but the newer investment portfolio is actually cheaper by about a dollar a year for you.","start":2075.125,"end":2081.125,"sentiment":"neutral","sentiment_score":0.23958566784858704}],"sentiment":"neutral","sentiment_score":0.23462729413400996,"num_words":55,"start":2063.1602,"end":2081.125},{"sentences":[{"text":"So that is slight benefit.","start":2081.125,"end":2083.14,"sentiment":"neutral","sentiment_score":0.21775413155555726},{"text":"We'll save that $1.","start":2083.14,"end":2084.44,"sentiment":"positive","sentiment_score":0.3883133828639984},{"text":"Ongoing service fees are reduced a little bit, which is great just because of the difference in the balance there, and you are drawing some funds out.","start":2085.38,"end":2092.5999,"sentiment":"positive","sentiment_score":0.4476017791915823},{"text":"And then you've got underneath there your contributions going in.","start":2093.14,"end":2096.02,"sentiment":"neutral","sentiment_score":0.3088969632983208},{"text":"So it increases your contributions.","start":2096.02,"end":2097.64,"sentiment":"positive","sentiment_score":0.4152709424495697}],"sentiment":"positive","sentiment_score":0.3900509131889717,"num_words":51,"start":2081.125,"end":2097.64},{"sentences":[{"text":"So your net after tax contributions in the super for the year would be about 25,160.","start":2098.515,"end":2104.6948,"sentiment":"positive","sentiment_score":0.3733250852674246},{"text":"And then the pension withdrawal out, we take the 6,000 it's essentially 6,622 out of the super system for you, which goes to your bank account to assist you.","start":2105.315,"end":2116.27,"sentiment":"neutral","sentiment_score":0.24765531615964298},{"text":"Okay?","start":2116.4102,"end":2116.9102,"sentiment":"neutral","sentiment_score":0.12893952429294586},{"text":"Excellent.","start":2118.01,"end":2118.51,"sentiment":"positive","sentiment_score":0.5898642539978027},{"text":"Underneath that, you can sort of see the projection table.","start":2119.37,"end":2122.01,"sentiment":"neutral","sentiment_score":0.268864206969738}],"sentiment":"neutral","sentiment_score":0.29057283124379946,"num_words":57,"start":2098.515,"end":2122.01},{"sentences":[{"text":"So under your current scenario, we could see over the next sort of two to four years, you're ending up with about, yeah, 460,000 to 540,000.","start":2122.01,"end":2131.185,"sentiment":"neutral","sentiment_score":0.17525203861833477},{"text":"However, under the recommended strategy with increasing contributions, replenishing your income, and also reducing your risk level in the portfolio, we can actually see over the next sort of two to four years, we can expect you to have a much greater super in there.","start":2131.565,"end":2144.77,"sentiment":"positive","sentiment_score":0.379061752723323},{"text":"So a bit of a 470,000 in around about two years.","start":2144.77,"end":2148.31,"sentiment":"neutral","sentiment_score":0.20485076308250427},{"text":"And in four years, you could end up with a bit of a 550,000 there.","start":2148.8499,"end":2152.8499,"sentiment":"positive","sentiment_score":0.35645588239034015},{"text":"So you're taking advantage of the market and sort of helping to provide a greater benefit to your super long term there as well.","start":2152.8499,"end":2159.835,"sentiment":"positive","sentiment_score":0.4516962890823682}],"sentiment":"neutral","sentiment_score":0.3310350367302953,"num_words":121,"start":2122.01,"end":2159.835},{"sentences":[{"text":"Alright?","start":2159.835,"end":2160.335,"sentiment":"neutral","sentiment_score":0.19000068306922913},{"text":"Do you have any questions at all?","start":2162.155,"end":2163.9148,"sentiment":"neutral","sentiment_score":0.05276319810322353},{"text":"You're welcome to let me know if you do.","start":2163.9148,"end":2165.6948,"sentiment":"neutral","sentiment_score":0.18160714705785116},{"text":"That's okay?","start":2168.315,"end":2169.135,"sentiment":"neutral","sentiment_score":0.2897312045097351},{"text":"Beautiful.","start":2169.355,"end":2169.855,"sentiment":"positive","sentiment_score":0.45920854806900024}],"sentiment":"neutral","sentiment_score":0.16162391752004623,"num_words":20,"start":2159.835,"end":2169.855},{"sentences":[{"text":"If you go down to the next page, this is essentially showing you once you kind of get to the age of 63, 65 there, what we can sort of expect with the drawdown aspect.","start":2170.96,"end":2181.3,"sentiment":"neutral","sentiment_score":0.09446490641151156},{"text":"Yeah.","start":2184.745,"end":2185.065,"sentiment":"neutral","sentiment_score":0.0992528200149536},{"text":"This is essentially starting at 62.","start":2185.065,"end":2187.145,"sentiment":"neutral","sentiment_score":0.09388204663991928},{"text":"But if you decided to start at 65, it does provide you with a greater benefit there, provide longer term.","start":2187.145,"end":2192.685,"sentiment":"neutral","sentiment_score":0.2373454563319683},{"text":"But essentially shows that by drawing down what you want to on a yearly basis, we can sort of see your super lasting a bit longer there.","start":2192.745,"end":2200.6099,"sentiment":"neutral","sentiment_score":0.18766665679437142}],"sentiment":"neutral","sentiment_score":0.15486208634095244,"num_words":89,"start":2170.96,"end":2200.6099},{"sentences":[{"text":"And projecting forward to around about age 70 to 71, this is sort of looking at just your pension drawdown if we kinda refreshed everything moving forward.","start":2200.83,"end":2209.33,"sentiment":"neutral","sentiment_score":0.09864006053518366},{"text":"And you can sort of see the projected outcome up to about age 70 there.","start":2209.5652,"end":2213.485,"sentiment":"neutral","sentiment_score":0.05452517122030258},{"text":"So this does depend on market reactions.","start":2213.485,"end":2216.385,"sentiment":"neutral","sentiment_score":0.010872483785663332},{"text":"Markets go up.","start":2217.0852,"end":2217.965,"sentiment":"neutral","sentiment_score":0.02231249337395032},{"text":"Markets go down.","start":2217.965,"end":2219.165,"sentiment":"neutral","sentiment_score":0.015255394702156385}],"sentiment":"neutral","sentiment_score":0.06672673188149929,"num_words":55,"start":2200.83,"end":2219.165},{"sentences":[{"text":"Yeah.","start":2219.165,"end":2219.405,"sentiment":"neutral","sentiment_score":0.04300404340028763},{"text":"But it kinda shows you where you're essentially tracking forward and what this might look like if you kept doing it longer.","start":2219.405,"end":2225.4302,"sentiment":"neutral","sentiment_score":0.07931772230023687},{"text":"And then depending on when you actually choose to retire, what income you wanna draw down in retirement, then we can kind of look at how that works down the track for you and how long your super would last without a contributions going in.","start":2226.2102,"end":2239.9548,"sentiment":"neutral","sentiment_score":0.07819953974750307},{"text":"Does that make sense?","start":2239.9548,"end":2240.935,"sentiment":"neutral","sentiment_score":0.05578355025500059},{"text":"Yep.","start":2241.875,"end":2242.375,"sentiment":"neutral","sentiment_score":0.14080005884170532}],"sentiment":"neutral","sentiment_score":0.07768366414390199,"num_words":73,"start":2219.165,"end":2242.375},{"sentences":[{"text":"Beautiful.","start":2242.595,"end":2243.095,"sentiment":"positive","sentiment_score":0.5520590543746948},{"text":"Fantastic.","start":2243.4749,"end":2243.9749,"sentiment":"positive","sentiment_score":0.588302493095398},{"text":"But, honestly, it it looks really good.","start":2244.355,"end":2245.9548,"sentiment":"positive","sentiment_score":0.49627444999558584},{"text":"It looks like it can definitely put you in a really good position, and adding more money to super now, giving you that last little boost over the next couple of years towards you wanting to stop working and fully retire, means that we can take advantage of the market and lowering your risk level as well to put some protections in in place for your capital for your super.","start":2245.9548,"end":2265.425,"sentiment":"positive","sentiment_score":0.5927296284054007},{"text":"Yeah.","start":2266.205,"end":2266.705,"sentiment":"neutral","sentiment_score":0.2810419201850891}],"sentiment":"positive","sentiment_score":0.5798299825750292,"num_words":80,"start":2242.595,"end":2266.705},{"sentences":[{"text":"Excellent.","start":2267.5652,"end":2268.0652,"sentiment":"positive","sentiment_score":0.48648688197135925},{"text":"The last couple of pages are just about making sure that you do speak to us, Melissa, that have a will and power of attorneys drawn up and things like that.","start":2269.165,"end":2276.3052,"sentiment":"neutral","sentiment_score":0.09468992763469296},{"text":"And when it comes to opening up the the pension accounts, we'll make sure that your beneficiaries are also nominated on file there to make sure that that is all covered.","start":2276.685,"end":2285.08,"sentiment":"neutral","sentiment_score":0.12888342502617067},{"text":"Okay?","start":2285.3801,"end":2285.8801,"sentiment":"neutral","sentiment_score":0.05076096951961517},{"text":"Excellent.","start":2288.6602,"end":2289.1602,"sentiment":"positive","sentiment_score":0.5079811215400696}],"sentiment":"neutral","sentiment_score":0.1227077370079664,"num_words":65,"start":2267.5652,"end":2289.1602},{"sentences":[{"text":"That can be a lot, and you're welcome to definitely go back and have a good read Let me know if you do happen to have any questions prior to, you know, you decided to take any of the advice there.","start":2289.78,"end":2298.9548,"sentiment":"neutral","sentiment_score":0.3172966341783361},{"text":"But do you happen to have any questions at the moment?","start":2298.9548,"end":2301.275,"sentiment":"neutral","sentiment_score":0.033129334788430824},{"text":"Has anything kinda come up in the course of our conversation with regard to that?","start":2301.275,"end":2306.015,"sentiment":"neutral","sentiment_score":0.01638051259020964},{"text":"Beautiful.","start":2310.18,"end":2310.68,"sentiment":"positive","sentiment_score":0.35045164823532104},{"text":"Fantastic.","start":2311.22,"end":2311.72,"sentiment":"positive","sentiment_score":0.388763427734375}],"sentiment":"neutral","sentiment_score":0.20809431085228056,"num_words":69,"start":2289.78,"end":2311.72},{"sentences":[{"text":"And you're on you're an ongoing service client at the moment.","start":2312.6602,"end":2315.3,"sentiment":"neutral","sentiment_score":0.17567584731362082},{"text":"So you're on a ongoing service fee of 1.65%.","start":2315.3,"end":2318.34,"sentiment":"neutral","sentiment_score":0.1437704074713919},{"text":"That would essentially just be prorated across the two accounts there for you as well, so no change to that currently.","start":2318.34,"end":2323.305,"sentiment":"neutral","sentiment_score":0.127571629094226},{"text":"Beautiful.","start":2327.305,"end":2327.805,"sentiment":"positive","sentiment_score":0.3507617712020874},{"text":"So what I'll do is I'll let you go back.","start":2327.9448,"end":2329.545,"sentiment":"neutral","sentiment_score":0.12871299237012862}],"sentiment":"neutral","sentiment_score":0.14506276718412453,"num_words":52,"start":2312.6602,"end":2329.545},{"sentences":[{"text":"You're welcome to have a read through the document.","start":2329.545,"end":2331.325,"sentiment":"neutral","sentiment_score":0.14900405870543587},{"text":"How we would go through implementing this if you decide to take on the recommendations is essentially, I'll start by doing the investment switch first.","start":2331.625,"end":2339.21,"sentiment":"neutral","sentiment_score":0.11829468369483948},{"text":"While everything's in one account, we switch the investments.","start":2339.21,"end":2342.67,"sentiment":"neutral","sentiment_score":0.07059235622485478},{"text":"Once that has been completed, my team will get your bank account information so they can set up the pension account.","start":2342.97,"end":2348.91,"sentiment":"neutral","sentiment_score":0.10421187253225417},{"text":"That can take between two to five days depending on how busy Netwealth are.","start":2349.615,"end":2354.915,"sentiment":"neutral","sentiment_score":-0.0006128836955342974}],"sentiment":"neutral","sentiment_score":0.09120004843824948,"num_words":78,"start":2329.545,"end":2354.915},{"sentences":[{"text":"They would transfer the money into the pension account, leaving that 233 behind in the super account there.","start":2355.135,"end":2362.195,"sentiment":"neutral","sentiment_score":-0.15946290890375772},{"text":"I will never get you the salary sacrifice until we know when your first pension account when your first pension payment is to be drawn.","start":2362.58,"end":2370.5,"sentiment":"neutral","sentiment_score":0.010177754759788514},{"text":"So my team will set up your first pension account pension payment, sorry, of the $127.35.","start":2370.5,"end":2376.84,"sentiment":"neutral","sentiment_score":0.06135693215765059},{"text":"They'll let you know what day that's expected to be paid.","start":2376.965,"end":2379.705,"sentiment":"neutral","sentiment_score":0.06277514757080511},{"text":"They can also set it up.","start":2380.325,"end":2381.765,"sentiment":"neutral","sentiment_score":0.0666695802162091}],"sentiment":"neutral","sentiment_score":-0.007153072002294816,"num_words":76,"start":2355.135,"end":2381.765},{"sentences":[{"text":"And when they call to get your bank details, they'll also check when you want that to start.","start":2381.765,"end":2385.685,"sentiment":"neutral","sentiment_score":0.059288565897279315},{"text":"So whether you want it to be paid on the same day as your employment income or whether you wanna pay it on a different day so we can align that with your income.","start":2385.685,"end":2393.96,"sentiment":"neutral","sentiment_score":0.04825458944062976},{"text":"And then once they know once they know what date your pension payment is due to be paid from the account based pension, they will then give you the salary sacrifice letter to be provided to your employer, and then you can start that.","start":2394.98,"end":2407.585,"sentiment":"neutral","sentiment_score":0.07600363885814493},{"text":"The reason I do it that way is that I don't want you to be putting salary sacrifice in, having less income, and not having that income replaced.","start":2407.965,"end":2416.545,"sentiment":"neutral","sentiment_score":-0.13367332930543593},{"text":"So I like you to receive your first payment first, then we salary sacrifice.","start":2416.685,"end":2420.92,"sentiment":"neutral","sentiment_score":0.09997357481292315}],"sentiment":"neutral","sentiment_score":0.02687526930231547,"num_words":138,"start":2381.765,"end":2420.92},{"sentences":[{"text":"That way, you're not left short for any particular, couple of weeks.","start":2421.78,"end":2425.54,"sentiment":"neutral","sentiment_score":0.04701250481108824},{"text":"Does that make sense?","start":2425.54,"end":2426.5999,"sentiment":"neutral","sentiment_score":0.049769097939133644},{"text":"Beautiful.","start":2428.74,"end":2429.24,"sentiment":"positive","sentiment_score":0.5673693418502808},{"text":"All good.","start":2429.6199,"end":2430.44,"sentiment":"positive","sentiment_score":0.5188807249069214},{"text":"Well, that's basically the entire strategy, and thank you so much for taking my call today.","start":2431.235,"end":2435.715,"sentiment":"positive","sentiment_score":0.5952512137591839}],"sentiment":"positive","sentiment_score":0.339782190322876,"num_words":35,"start":2421.78,"end":2435.715},{"sentences":[{"text":"I really appreciate it.","start":2435.715,"end":2437.155,"sentiment":"positive","sentiment_score":0.6946656107902527},{"text":"You're welcome to go back and have a read through the document.","start":2437.155,"end":2439.555,"sentiment":"positive","sentiment_score":0.3488493512074153},{"text":"If you do find you have any questions, let me know.","start":2439.555,"end":2442.215,"sentiment":"neutral","sentiment_score":0.17367305538871072},{"text":"I'm just gonna really quickly also check your ID is up to date because to open the account, they will ask for an updated copy of your identification to your driver's license.","start":2442.595,"end":2454.4534,"sentiment":"neutral","sentiment_score":0.09891840617638081},{"text":"Let's double check that while I have you here.","start":2454.4534,"end":2458.3247,"sentiment":"neutral","sentiment_score":0.060885204209221735}],"sentiment":"neutral","sentiment_score":0.1851266779772499,"num_words":68,"start":2435.715,"end":2458.3247},{"sentences":[{"text":"Sorry.","start":2458.3247,"end":2458.755,"sentiment":"neutral","sentiment_score":-0.008467603474855423},{"text":"Sorry.","start":2458.755,"end":2459.075,"sentiment":"neutral","sentiment_score":-0.02056918479502201},{"text":"My computer's having a moment.","start":2459.075,"end":2460.535,"sentiment":"neutral","sentiment_score":-0.023378942906856538},{"text":"Here we go.","start":2462.1948,"end":2463.1748,"sentiment":"neutral","sentiment_score":0.03766976545254389},{"text":"Yep.","start":2464.515,"end":2465.015,"sentiment":"neutral","sentiment_score":0.07297691702842712}],"sentiment":"neutral","sentiment_score":0.0036413373256271534,"num_words":11,"start":2458.3247,"end":2465.015},{"sentences":[{"text":"So if you're happy to take on the recommendations, there is a little signing section on the very last page.","start":2467.7148,"end":2473.23,"sentiment":"neutral","sentiment_score":0.11366482302546502},{"text":"There's a button that says sign.","start":2473.23,"end":2474.93,"sentiment":"neutral","sentiment_score":0.03190479970847567},{"text":"It will help you to electronically sign the document and then date it, and then it will just once you've pressed finish, it'll come directly back to us, and we'll start to implement it.","start":2475.23,"end":2485.97,"sentiment":"neutral","sentiment_score":0.3032025729908663},{"text":"If you feel like you wanna take some time to read through it first before taking the recommendations, you don't have to sign it now.","start":2486.135,"end":2492.375,"sentiment":"neutral","sentiment_score":0.3207897663116455},{"text":"You can take it back, have a read through it, and then sign it when you are comfortable to do so.","start":2492.375,"end":2496.9348,"sentiment":"neutral","sentiment_score":0.2804094290449506}],"sentiment":"neutral","sentiment_score":0.25171655573759155,"num_words":106,"start":2467.7148,"end":2496.9348},{"sentences":[{"text":"It is completely up to you.","start":2496.9348,"end":2498.615,"sentiment":"positive","sentiment_score":0.4878893742958705},{"text":"Okay?","start":2498.615,"end":2499.115,"sentiment":"neutral","sentiment_score":0.239936500787735},{"text":"If you're on the signature page, is there a button that says sign like, it should have a little with your name in it?","start":2505.21,"end":2512.755,"sentiment":"neutral","sentiment_score":-0.08391628686028223},{"text":"That is really weird.","start":2515.7148,"end":2516.595,"sentiment":"negative","sentiment_score":-0.5110742747783661},{"text":"Maybe it didn't attach.","start":2516.595,"end":2517.555,"sentiment":"negative","sentiment_score":-0.401352122426033}],"sentiment":"neutral","sentiment_score":-0.0640108647923439,"num_words":39,"start":2496.9348,"end":2517.555},{"sentences":[{"text":"It should have attached properly.","start":2517.555,"end":2518.9348,"sentiment":"neutral","sentiment_score":-0.21458426713943482},{"text":"Yeah.","start":2520.1948,"end":2520.4348,"sentiment":"neutral","sentiment_score":-0.026111535727977753},{"text":"I can see it's got one there.","start":2520.4348,"end":2521.9548,"sentiment":"neutral","sentiment_score":0.0049620406436068675},{"text":"It's in the signature botch.","start":2521.9548,"end":2523.315,"sentiment":"neutral","sentiment_score":0.011742869392037392},{"text":"It should say signature Michael Power or just Michael Power in some funny, cute writing.","start":2523.315,"end":2528.1348,"sentiment":"neutral","sentiment_score":0.05154883476595084}],"sentiment":"neutral","sentiment_score":-0.0070409611657713395,"num_words":33,"start":2517.555,"end":2528.1348},{"sentences":[{"text":"Yeah.","start":2531.71,"end":2532.21,"sentiment":"neutral","sentiment_score":0.0602516308426857},{"text":"That's okay.","start":2532.51,"end":2533.3298,"sentiment":"neutral","sentiment_score":0.11148842796683311},{"text":"Did you want me to get one of my team to give you a call a bit later just to check how you're going if we don't see it come back or just a couple of days?","start":2533.71,"end":2540.51,"sentiment":"neutral","sentiment_score":0.013255780008999078},{"text":"What would you sort of prefer for a check-in?","start":2540.51,"end":2542.3699,"sentiment":"neutral","sentiment_score":-0.011584872379899025},{"text":"Now?","start":2546.4949,"end":2546.9949,"sentiment":"neutral","sentiment_score":-0.1632658839225769}],"sentiment":"neutral","sentiment_score":0.010123252235352993,"num_words":50,"start":2531.71,"end":2546.9949},{"sentences":[{"text":"Okay.","start":2552.9749,"end":2553.4749,"sentiment":"neutral","sentiment_score":-0.0077219437807798386},{"text":"Not a problem at all.","start":2553.615,"end":2554.815,"sentiment":"neutral","sentiment_score":0.026026837527751923},{"text":"Yeah.","start":2554.815,"end":2555.315,"sentiment":"neutral","sentiment_score":0.042791131883859634},{"text":"That's alright.","start":2555.375,"end":2556.1948,"sentiment":"neutral","sentiment_score":0.023113555274903774},{"text":"Not coming up?","start":2564.76,"end":2565.82,"sentiment":"neutral","sentiment_score":-0.08011183391014735}],"sentiment":"neutral","sentiment_score":-0.0024087512865662575,"num_words":12,"start":2552.9749,"end":2565.82},{"sentences":[{"text":"Maybe if you go out of the eave, eave yeah.","start":2571.32,"end":2573.4548,"sentiment":"neutral","sentiment_score":-0.070604994520545},{"text":"Maybe if you go out of the email and back into it again.","start":2573.4548,"end":2576.4348,"sentiment":"neutral","sentiment_score":-0.05836823181464122},{"text":"Yeah.","start":2607.9648,"end":2608.445,"sentiment":"neutral","sentiment_score":0.2953603267669678},{"text":"That's okay.","start":2608.445,"end":2609.2449,"sentiment":"positive","sentiment_score":0.3897775411605835},{"text":"The other option is I could always ask someone to send it through you via Adobe Sign.","start":2609.2449,"end":2613.17,"sentiment":"neutral","sentiment_score":0.1631640274735058}],"sentiment":"neutral","sentiment_score":0.05543876551958018,"num_words":43,"start":2571.32,"end":2613.17},{"sentences":[{"text":"It might work out easier for you.","start":2613.17,"end":2615.27,"sentiment":"neutral","sentiment_score":0.25059053940432413},{"text":"Oh, alright.","start":2632.705,"end":2636.325,"sentiment":"neutral","sentiment_score":-0.03735280781984329},{"text":"Yep.","start":2642.79,"end":2643.29,"sentiment":"neutral","sentiment_score":0.018831484019756317},{"text":"Yeah.","start":2643.9102,"end":2644.23,"sentiment":"neutral","sentiment_score":0.06432545930147171},{"text":"I'll get one of my admin team members to give you a call starting to see if you have any troubles.","start":2644.23,"end":2648.1702,"sentiment":"neutral","sentiment_score":0.06865873507090978}],"sentiment":"neutral","sentiment_score":0.10013807937502861,"num_words":32,"start":2613.17,"end":2648.1702},{"sentences":[{"text":"They can also talk you through the signing process.","start":2648.47,"end":2650.71,"sentiment":"neutral","sentiment_score":0.08358782115909788},{"text":"If it's still not working, they can also send it through via another system to see if we can get it sorted for you.","start":2650.71,"end":2656.065,"sentiment":"neutral","sentiment_score":-0.016162188568462927},{"text":"Okay?","start":2656.065,"end":2656.565,"sentiment":"neutral","sentiment_score":0.024419408291578293},{"text":"All good.","start":2657.585,"end":2658.145,"sentiment":"neutral","sentiment_score":-0.32024893164634705},{"text":"The other thing I just wanna check on, so you'll be uncontactable for a period of time.","start":2658.145,"end":2662.805,"sentiment":"neutral","sentiment_score":-0.17746990787632325}],"sentiment":"neutral","sentiment_score":-0.06167300045490265,"num_words":53,"start":2648.47,"end":2662.805},{"sentences":[{"text":"If we do the investment switch, it can take generally about a week to have the investment switch completed.","start":2663.025,"end":2668.1099,"sentiment":"neutral","sentiment_score":-0.07024798561867915},{"text":"Then we normally go through and set up the TTR side of things, and my team will have to give you a call just to to find out your bank information for that.","start":2668.1099,"end":2676.3699,"sentiment":"neutral","sentiment_score":-0.03540241357051965},{"text":"How long before they should give you a call?","start":2677.23,"end":2679.71,"sentiment":"neutral","sentiment_score":-0.06908704588810603},{"text":"Is it, like, one to two weeks that you'll be working for?","start":2679.71,"end":2681.895,"sentiment":"neutral","sentiment_score":-0.05932194056610266},{"text":"How long before you'll be able to be yep.","start":2682.2751,"end":2694.7551,"sentiment":"neutral","sentiment_score":-0.07424371379117171}],"sentiment":"neutral","sentiment_score":-0.054936969493765656,"num_words":82,"start":2663.025,"end":2694.7551},{"sentences":[{"text":"Yep.","start":2694.7551,"end":2695.2551,"sentiment":"neutral","sentiment_score":0.07034187018871307},{"text":"No worries.","start":2695.475,"end":2696.215,"sentiment":"neutral","sentiment_score":0.08070975542068481},{"text":"Yep.","start":2703.16,"end":2703.48,"sentiment":"neutral","sentiment_score":-0.05441131442785263},{"text":"I'll get someone to send it via Adobe sign and follow-up for you.","start":2703.48,"end":2706.92,"sentiment":"neutral","sentiment_score":0.003636121105116147},{"text":"Not a worry at all.","start":2706.92,"end":2708.22,"sentiment":"neutral","sentiment_score":0.10664612650871277}],"sentiment":"neutral","sentiment_score":0.03444773970510472,"num_words":22,"start":2694.7551,"end":2708.22},{"sentences":[{"text":"All good.","start":2708.845,"end":2709.665,"sentiment":"positive","sentiment_score":0.5148041844367981},{"text":"Perfect.","start":2709.8052,"end":2710.125,"sentiment":"positive","sentiment_score":0.6050886511802673},{"text":"Well, I'll let them know to be in contact in about two weeks.","start":2710.125,"end":2713.745,"sentiment":"neutral","sentiment_score":0.19777086950265443},{"text":"Yeah.","start":2714.2852,"end":2714.605,"sentiment":"neutral","sentiment_score":-0.011676618829369543},{"text":"If there's a re a reason to give you a call prior, they can always try, but I'll let them know that you'll be uncontacted.","start":2714.605,"end":2719.165,"sentiment":"neutral","sentiment_score":-0.11536395102739334}],"sentiment":"neutral","sentiment_score":0.031189117358908766,"num_words":42,"start":2708.845,"end":2719.165},{"sentences":[{"text":"Well, roughly for two weeks, and then we can do that TTR side of things for you then, make it easier on you.","start":2719.165,"end":2725.26,"sentiment":"neutral","sentiment_score":0.1131468400683092},{"text":"Okay?","start":2725.26,"end":2725.76,"sentiment":"neutral","sentiment_score":0.04859336465597153},{"text":"Yep.","start":2730.06,"end":2730.56,"sentiment":"neutral","sentiment_score":0.15392738580703735},{"text":"How's it's working for you?","start":2730.8599,"end":2733.1199,"sentiment":"neutral","sentiment_score":0.13175259828567504},{"text":"Alright.","start":2738.645,"end":2739.145,"sentiment":"neutral","sentiment_score":-0.08535831421613693}],"sentiment":"neutral","sentiment_score":0.10897750804020513,"num_words":31,"start":2719.165,"end":2739.145},{"sentences":[{"text":"My apologies.","start":2739.525,"end":2740.265,"sentiment":"neutral","sentiment_score":-0.21967813372612},{"text":"Sorry.","start":2740.4849,"end":2740.9849,"sentiment":"neutral","sentiment_score":-0.1499162316322327},{"text":"No.","start":2744.085,"end":2744.325,"sentiment":"neutral","sentiment_score":-0.11331111192703248},{"text":"No.","start":2744.325,"end":2744.565,"sentiment":"neutral","sentiment_score":-0.09279034286737442},{"text":"You're fine.","start":2744.565,"end":2745.385,"sentiment":"neutral","sentiment_score":0.001989884302020073}],"sentiment":"neutral","sentiment_score":-0.11305631218211991,"num_words":7,"start":2739.525,"end":2745.385},{"sentences":[{"text":"Yep.","start":2789.265,"end":2789.7449,"sentiment":"neutral","sentiment_score":0.25518304109573364},{"text":"Beautiful.","start":2789.7449,"end":2790.2449,"sentiment":"positive","sentiment_score":0.49615514278411865},{"text":"I will just refresh that.","start":2791.345,"end":2793.2048,"sentiment":"neutral","sentiment_score":0.2337423801422119},{"text":"Is it saying finish or done or loading at the bottom?","start":2794.85,"end":2797.81,"sentiment":"neutral","sentiment_score":0.12986507537690076},{"text":"Is there anything sorta happening?","start":2797.81,"end":2799.27,"sentiment":"neutral","sentiment_score":0.04834284707903862}],"sentiment":"neutral","sentiment_score":0.1560991369187832,"num_words":23,"start":2789.265,"end":2799.27},{"sentences":[{"text":"Yep.","start":2807.49,"end":2807.775,"sentiment":"neutral","sentiment_score":0.12646690011024475},{"text":"Yep.","start":2810.7349,"end":2811.2349,"sentiment":"neutral","sentiment_score":0.1167871505022049},{"text":"If you click on the sign if you click on the signature, and then it should allow you to click on the date as well.","start":2812.255,"end":2817.9548,"sentiment":"neutral","sentiment_score":0.1356356683373451},{"text":"Beautiful.","start":2820.6548,"end":2821.135,"sentiment":"positive","sentiment_score":0.504020094871521},{"text":"And then next document at the bottom there, it should take you through if there's anything else.","start":2821.135,"end":2825.37,"sentiment":"neutral","sentiment_score":0.14725770625997991}],"sentiment":"neutral","sentiment_score":0.14758993022971684,"num_words":45,"start":2807.49,"end":2825.37},{"sentences":[{"text":"Yep.","start":2828.31,"end":2828.81,"sentiment":"neutral","sentiment_score":0.12997214496135712},{"text":"And then once you get to the bottom, it'll tell you that it's finished.","start":2829.51,"end":2832.49,"sentiment":"neutral","sentiment_score":0.1294213363102504},{"text":"Oh, okay.","start":2851.04,"end":2851.6,"sentiment":"neutral","sentiment_score":-0.0377096701413393},{"text":"That's alright.","start":2851.6,"end":2852.42,"sentiment":"neutral","sentiment_score":-0.01763631341418659},{"text":"Did you want us to send do you have a printer or it's alright?","start":2852.48,"end":2858.82,"sentiment":"neutral","sentiment_score":-0.0426363048276731}],"sentiment":"neutral","sentiment_score":0.03740213995776933,"num_words":33,"start":2828.31,"end":2858.82},{"sentences":[{"text":"Yep.","start":2859.84,"end":2860.34,"sentiment":"neutral","sentiment_score":0.08560027927160263},{"text":"That's the one.","start":2861.28,"end":2862.16,"sentiment":"neutral","sentiment_score":0.038558220180372395},{"text":"That's the last section.","start":2862.16,"end":2866.4148,"sentiment":"neutral","sentiment_score":0.05549558810889721},{"text":"And I'll just refresh it.","start":2866.555,"end":2868.4148,"sentiment":"neutral","sentiment_score":-0.0003588452935218818},{"text":"Just refreshing for you.","start":2871.115,"end":2872.815,"sentiment":"neutral","sentiment_score":0.17267951369285583}],"sentiment":"neutral","sentiment_score":0.0654224188560072,"num_words":17,"start":2859.84,"end":2872.815},{"sentences":[{"text":"Yeah.","start":2879.93,"end":2880.43,"sentiment":"neutral","sentiment_score":0.10569900274276732},{"text":"That's okay.","start":2880.6501,"end":2881.37,"sentiment":"neutral","sentiment_score":0.31325221061706543},{"text":"That's not a problem at all.","start":2881.37,"end":2882.57,"sentiment":"positive","sentiment_score":0.5774168223142624},{"text":"It should come through fairly easy in the next few minutes.","start":2882.57,"end":2884.8901,"sentiment":"positive","sentiment_score":0.5501230575821616},{"text":"So do you want me to wait here for it or just give you a callback if you will do.","start":2884.8901,"end":2892.205,"sentiment":"neutral","sentiment_score":0.05546702714636922}],"sentiment":"neutral","sentiment_score":0.28393496335484086,"num_words":40,"start":2879.93,"end":2892.205},{"sentences":[{"text":"I'll let the team know to give you a call later if there's any issues.","start":2892.205,"end":2894.925,"sentiment":"neutral","sentiment_score":0.20898646662632625},{"text":"Thank you so much for your time today, Michael.","start":2894.925,"end":2896.7651,"sentiment":"positive","sentiment_score":0.8269201119740804},{"text":"I hope you enjoy the rest of your day.","start":2896.7651,"end":2898.7852,"sentiment":"positive","sentiment_score":0.7896741165055169},{"text":"Oh, legend.","start":2902.125,"end":2902.945,"sentiment":"neutral","sentiment_score":0.2934441566467285},{"text":"I'll wait for it to come through.","start":2903.0051,"end":2905.14,"sentiment":"neutral","sentiment_score":0.2081605132137026}],"sentiment":"positive","sentiment_score":0.4697180228928725,"num_words":42,"start":2892.205,"end":2905.14},{"sentences":[{"text":"Oh, there it is.","start":2905.14,"end":2906.02,"sentiment":"neutral","sentiment_score":0.27138008922338486},{"text":"Just let me know.","start":2906.02,"end":2906.74,"sentiment":"positive","sentiment_score":0.36098024249076843},{"text":"It's all come through perfect.","start":2906.74,"end":2908.0999,"sentiment":"positive","sentiment_score":0.7557917952537536},{"text":"You did great.","start":2908.0999,"end":2909.0,"sentiment":"positive","sentiment_score":0.8415071765581766},{"text":"Thank you.","start":2911.38,"end":2911.8599,"sentiment":"positive","sentiment_score":0.6989579498767853}],"sentiment":"positive","sentiment_score":0.568379874030749,"num_words":18,"start":2905.14,"end":2911.8599},{"sentences":[{"text":"I'll talk to you soon.","start":2911.8599,"end":2912.74,"sentiment":"positive","sentiment_score":0.4304015576839447},{"text":"See you later.","start":2912.74,"end":2913.48,"sentiment":"neutral","sentiment_score":0.32886578639348346},{"text":"Bye.","start":2914.3398,"end":2914.8398,"sentiment":"neutral","sentiment_score":0.1549324095249176}],"sentiment":"positive","sentiment_score":0.3659486174583435,"num_words":9,"start":2911.8599,"end":2914.8398}]}}]},{"alternatives":[{"transcript":"I'm speaking. Yeah. Good. Yourself? Yeah. It's fine. Yep. Get me while you can. Yep. No problems. Michael John Power. 31 Circle. 70 to the third. 965. Yeah. Probably can. Yep. Just bear with me for a second. Let me computer start up. Not too bad. My last relaxing day before I go on at work for another couple of weeks. Oh, yeah. Sort of. Yeah. Yeah. Couple of things I've numbered. Yeah. It's all good. I'm not still starting. It's a bit slow to start up, I think. How's the how's it all looking? Are we looking like we're gonna start and climb up and get our money back? Or Yes. Punisher income a little bit. So I've I've got that here for you to go through. Oops. Sorry. My computer's okay. I probably missed the last five to thirty seconds of that. Yep. Okay. Alright. Yep. Alright. Now I'm nearly opened. What? What the damn word? It's under the mick underscore power, didn't you? Oh, yeah. There it is. Yep. Downloading the one with the diet on it, the one with the icon first? Okay. What is the black screen at the moment? Nothing. Yeah. It looks alright. Crazy. Oh, no. I don't trust this new high speed broadband stuff. They got it. They don't seem to work there sometimes. Please try again. I've got a little bit more of a signature a signature request, but that's about all we got at the moment. Oh, hang on. I'm not going to the other computer on the side. It's a bit closer to the router. It might it might be a bit quicker. Hang on a sec. Bear with me. I'm nearly there. Come on, Microsoft. Open up. Please wait a moment. Alright. Why isn't downloading on this one? Can you maybe send that to me again? Still coming. Alright. That one is opened up. Yep. It's opened up. Alright. That's the what do we got here? The statement of advice. Yep. I'm tired. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. No worries. Yep. I cannot which page is that? I which page oh, you can't see any page numbers. No. It isn't. No. I got risk risk profile, important relationship information. Okay. Well, I don't know. What am I? Table of contents. Next page is risk risk profile. You know, important relationships. Where are we? What what what's the heading of the one we're looking for? That that's not even in there. That there's nothing that says scope. I thought I opened the wrong one. Let me go back one. Statement advice. So SLA appendix is the one I've just opened. Statement advice. Hold on. Oh, I know. Alright. Here we go. Okay. Best interest duty. Table content. Yep. I'm on that one now. Yep. Yep. Yep. Yep. Okay. Yep. Yep. Yep. Yep. The dog. Yeah. No. I don't think so. No. No. That's yeah. That's still fine. Yep. Yep. Yep. Yep. Yep. That that should go up again once we maybe all the market settle again. Why not? Yeah. Yeah. No. Oh, yeah. Okay. Yep. Page 10, page 11. Yep. Yep. Okay. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Oh, there's one moment. Yep. Yep. Okay. Yeah. Yep. Yep. Yep. Yep. Yep. Yeah. Yep. Yep. Yeah. Yep. Okay. Yep. Yep. Yeah. Yeah. Yep. Yep. Okay. Yep. Yep. Okay. Yep. Yep. Yeah. Yeah. Yep. Okay. Yep. Not really. No. I'm I'm I'm fussing you with it. Sorry. The dog's here. Yep. Yeah. That's a special. Yeah. Yep. Yep. Yep. Okay. Yep. I can. Yep. Yep. No worries. Yep. Yep. I'm trying. Yep. Yep. Okay. Yeah. Yep. No. No. That's fine. That's fine. All good. Yep. Yep. Yep. Yep. K. Alright. Yep. Yep. Yep. That's alright. Kinda rather than put that $127 back into my account, can't we put that back into the server? Alright. No. Right. Yep. Yep. I can. Yep. Yep. Yep. Fair enough. Yep. Okay. Nope. No. Yep. Yeah. Okay. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Okay. Yep. Yep. Okay. I'm Yep. Yep. Yep. We can't cope. Yep. Yeah. I got you. Fair enough. Yep. Yep. Yep. Yes. Yes. Yeah. Yep. Yep. Okay. Yep. Fair enough. Yep. Yep. Okay. Yep. Yep. Yep. Okay. Yep. Yep. Okay. Okay. Yep. No worries. It's fine. That's fine. All good. Okay. Yeah. Yep. Yeah. Exactly. Yeah. I got one. Yep. Yep. Yeah. Yeah. Yeah. Yep. Yep. Yep. Yep. Okay. Yeah. Yep. Uh-huh. Yep. Yep. Yep. Okay. Yep. No. Not really. I don't understand what you're what you're talking about doing there. Yes. Yeah. Yep. Okay. Yep. Yep. Yep. Yep. Yep. Yep. That's fine, man. I can. Yep. Yep. Yep. That makes sense. Yep. Yep. Yep. I need to print this off and send it back to your door. Okay. Doesn't doesn't appear to be giving me a a signature. I mean no. No. It doesn't. No. It doesn't come up with that. No. Yeah. Hey. I might try and add them back up again and I'm just gonna be away for a few days. I'd rather get it sorted. I'm gonna go away. I don't know when I'm gonna be contacting all again. No. Still not coming up with that. That looks no. It's Previous file. What can I mean preview the course and error with the following? Hang on. Let's close. And I'll close the email down. I'll open it back up again. We'll go back to the original one. Yeah. Hold on. Hang on. I'm on the end. It's gone. There's the first one. Hang on. Installing an Adobe update now. Maybe there's something wrong with Adobe. Believe it. Let me maybe give me a callback later on this afternoon or something. Or yep. Okay. Yep. Not a problem. I'll be I'll be away about two weeks, but you can try and give me a call if you want. I may I may be in phone coverage. We do carry a Starlink with us, so it's possible we'll have it there. Now that's still not coming up with a signature thing. You might have to send another another while doing it. Yep. Alright. Okay. Hang on. I just clicked the link, find document. There it is. There it is. Yeah. I think that's now I think I I opened the attachment up. I didn't didn't I didn't didn't know if I dumped in there. My fault. Now let's get down the bottom of it. It's slow. So here we go. Here it is. Yeah. Yeah. It doesn't wanna get back up. Explorations. There we go. Signature. Sign. Right. I've just signed it. Now just you know, this next document. Showed up with the signature on it. I think it must be a It did that. Yeah. I've done both of those. Next document. Right. Okay. Oh, I think it's my computer. My computer's out of no. It's not supported by Windows 10. I think it's playing up. I mean, we're not no. That's alright. That's all. All come with the one. Validate and send documents. Yep. Oh, no. That should be floating up here now. Might be still low still loading on mine, so it might be a bit slow. Alright. Give me just give me a shout if you have any problems, you don't see it. Yep. No worries. Yep. Alright. Should be done. It's fine. Bingo. Alright then. Thanks. No worries. Alright then. Okay. Bye. 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speaking. Yeah. Good. Yourself? Yeah.\n\nIt's fine. Yep. Get me while you can. Yep. No problems.\n\nMichael John Power. 31 Circle. 70 to the third. 965. Yeah.\n\nProbably can. Yep. Just bear with me for a second. Let me computer start up. Not too bad.\n\nMy last relaxing day before I go on at work for another couple of weeks. Oh, yeah. Sort of. Yeah. Yeah.\n\nCouple of things I've numbered. Yeah. It's all good. I'm not still starting. It's a bit slow to start up, I think.\n\nHow's the how's it all looking? Are we looking like we're gonna start and climb up and get our money back? Or Yes. Punisher income a little bit. So I've I've got that here for you to go through.\n\nOops. Sorry. My computer's okay. I probably missed the last five to thirty seconds of that. Yep.\n\nOkay. Alright. Yep. Alright. Now I'm nearly opened.\n\nWhat? What the damn word? It's under the mick underscore power, didn't you? Oh, yeah. There it is.\n\nYep. Downloading the one with the diet on it, the one with the icon first? Okay. What is the black screen at the moment? Nothing.\n\nYeah. It looks alright. Crazy. Oh, no. I don't trust this new high speed broadband stuff.\n\nThey got it. They don't seem to work there sometimes. Please try again. I've got a little bit more of a signature a signature request, but that's about all we got at the moment. Oh, hang on.\n\nI'm not going to the other computer on the side. It's a bit closer to the router. It might it might be a bit quicker. Hang on a sec. Bear with me.\n\nI'm nearly there. Come on, Microsoft. Open up. Please wait a moment. Alright.\n\nWhy isn't downloading on this one? Can you maybe send that to me again? Still coming. Alright. That one is opened up.\n\nYep. It's opened up. Alright. That's the what do we got here? The statement of advice.\n\nYep. I'm tired. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nNo worries. Yep. I cannot which page is that? I which page oh, you can't see any page numbers. No.\n\nIt isn't. No. I got risk risk profile, important relationship information. Okay. Well, I don't know.\n\nWhat am I? Table of contents. Next page is risk risk profile. You know, important relationships. Where are we?\n\nWhat what what's the heading of the one we're looking for? That that's not even in there. That there's nothing that says scope. I thought I opened the wrong one. Let me go back one.\n\nStatement advice. So SLA appendix is the one I've just opened. Statement advice. Hold on. Oh, I know.\n\nAlright. Here we go. Okay. Best interest duty. Table content.\n\nYep. I'm on that one now. Yep. Yep. Yep.\n\nYep. Okay. Yep. Yep. Yep.\n\nYep. The dog. Yeah. No. I don't think so.\n\nNo. No. That's yeah. That's still fine. Yep.\n\nYep. Yep. Yep. Yep. That that should go up again once we maybe all the market settle again.\n\nWhy not? Yeah. Yeah. No. Oh, yeah.\n\nOkay. Yep. Page 10, page 11. Yep. Yep.\n\nOkay. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Oh, there's one moment. Yep. Yep. Okay.\n\nYeah. Yep. Yep. Yep. Yep.\n\nYep. Yeah. Yep. Yep. Yeah.\n\nYep. Okay. Yep. Yep. Yeah.\n\nYeah. Yep. Yep. Okay. Yep.\n\nYep. Okay. Yep. Yep. Yeah.\n\nYeah. Yep. Okay. Yep. Not really.\n\nNo. I'm I'm I'm fussing you with it. Sorry. The dog's here. Yep.\n\nYeah. That's a special. Yeah. Yep. Yep.\n\nYep. Okay. Yep. I can. Yep.\n\nYep. No worries. Yep. Yep. I'm trying.\n\nYep. Yep. Okay. Yeah. Yep.\n\nNo. No. That's fine. That's fine. All good.\n\nYep. Yep. Yep. Yep. K.\n\nAlright. Yep. Yep. Yep. That's alright.\n\nKinda rather than put that $127 back into my account, can't we put that back into the server? Alright. No. Right. Yep.\n\nYep. I can. Yep. Yep. Yep.\n\nFair enough. Yep. Okay. Nope. No.\n\nYep. Yeah. Okay. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yeah. Yeah. Yeah.\n\nYeah. Okay. Yep. Yep. Okay.\n\nI'm Yep. Yep. Yep. We can't cope. Yep.\n\nYeah. I got you. Fair enough. Yep. Yep.\n\nYep. Yes. Yes. Yeah. Yep.\n\nYep. Okay. Yep. Fair enough. Yep.\n\nYep. Okay. Yep. Yep. Yep.\n\nOkay. Yep. Yep. Okay. Okay.\n\nYep. No worries. It's fine. That's fine. All good.\n\nOkay. Yeah. Yep. Yeah. Exactly.\n\nYeah. I got one. Yep. Yep. Yeah.\n\nYeah. Yeah. Yep. Yep. Yep.\n\nYep. Okay. Yeah. Yep. Uh-huh.\n\nYep. Yep. Yep. Okay. Yep.\n\nNo. Not really. I don't understand what you're what you're talking about doing there. Yes. Yeah.\n\nYep. Okay. Yep. Yep. Yep.\n\nYep. Yep. Yep. That's fine, man. I can.\n\nYep. Yep. Yep. That makes sense. Yep.\n\nYep. Yep. I need to print this off and send it back to your door. Okay. Doesn't doesn't appear to be giving me a a signature.\n\nI mean no. No. It doesn't. No. It doesn't come up with that.\n\nNo. Yeah. Hey. I might try and add them back up again and I'm just gonna be away for a few days. I'd rather get it sorted.\n\nI'm gonna go away. I don't know when I'm gonna be contacting all again. No. Still not coming up with that. That looks no.\n\nIt's Previous file. What can I mean preview the course and error with the following? Hang on. Let's close. And I'll close the email down.\n\nI'll open it back up again. We'll go back to the original one. Yeah. Hold on. Hang on.\n\nI'm on the end. It's gone. There's the first one. Hang on. Installing an Adobe update now.\n\nMaybe there's something wrong with Adobe. Believe it. Let me maybe give me a callback later on this afternoon or something. Or yep. Okay.\n\nYep. Not a problem. I'll be I'll be away about two weeks, but you can try and give me a call if you want. I may I may be in phone coverage. We do carry a Starlink with us, so it's possible we'll have it there.\n\nNow that's still not coming up with a signature thing. You might have to send another another while doing it. Yep. Alright. Okay.\n\nHang on. I just clicked the link, find document. There it is. There it is. Yeah.\n\nI think that's now I think I I opened the attachment up. I didn't didn't I didn't didn't know if I dumped in there. My fault. Now let's get down the bottom of it. It's slow.\n\nSo here we go. Here it is. Yeah. Yeah. It doesn't wanna get back up.\n\nExplorations. There we go. Signature. Sign. Right.\n\nI've just signed it. Now just you know, this next document. Showed up with the signature on it. I think it must be a It did that. Yeah.\n\nI've done both of those. Next document. Right. Okay. Oh, I think it's my computer.\n\nMy computer's out of no. It's not supported by Windows 10. I think it's playing up. I mean, we're not no. That's alright.\n\nThat's all. All come with the one. Validate and send documents. Yep. Oh, no.\n\nThat should be floating up here now. Might be still low still loading on mine, so it might be a bit slow. Alright. Give me just give me a shout if you have any problems, you don't see it. Yep.\n\nNo worries. Yep. Alright. Should be done. It's fine.\n\nBingo. Alright then. Thanks. No worries. Alright then.\n\nOkay. Bye. See you.","paragraphs":[{"sentences":[{"text":"I'm speaking.","start":1.5999999,"end":2.34,"sentiment":"neutral","sentiment_score":0.02288220915943384},{"text":"Yeah.","start":6.48,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.24944069981575012},{"text":"Good.","start":6.8799996,"end":7.12,"sentiment":"positive","sentiment_score":0.433056116104126},{"text":"Yourself?","start":7.12,"end":7.62,"sentiment":"neutral","sentiment_score":0.3171471953392029},{"text":"Yeah.","start":15.005,"end":15.245,"sentiment":"neutral","sentiment_score":0.15682154893875122}],"sentiment":"neutral","sentiment_score":0.20037166308611631,"num_words":6,"start":1.5999999,"end":15.245},{"sentences":[{"text":"It's fine.","start":15.245,"end":15.725,"sentiment":"neutral","sentiment_score":0.21007132530212402},{"text":"Yep.","start":15.725,"end":16.045,"sentiment":"neutral","sentiment_score":0.21114026010036469},{"text":"Get me while you can.","start":16.045,"end":17.185,"sentiment":"neutral","sentiment_score":0.2135271906852722},{"text":"Yep.","start":26.685,"end":27.005,"sentiment":"neutral","sentiment_score":0.12169903516769408},{"text":"No problems.","start":27.005,"end":27.665,"sentiment":"neutral","sentiment_score":0.24991905689239502}],"sentiment":"neutral","sentiment_score":0.21095054664395071,"num_words":11,"start":15.245,"end":27.665},{"sentences":[{"text":"Michael John Power.","start":35.46,"end":36.68,"sentiment":"neutral","sentiment_score":0.020408013214667637},{"text":"31 Circle.","start":36.899998,"end":37.879997,"sentiment":"neutral","sentiment_score":0.017474822234362364},{"text":"70 to the third.","start":38.739998,"end":39.78,"sentiment":"neutral","sentiment_score":0.033083719201385975},{"text":"965.","start":39.78,"end":41.0,"sentiment":"neutral","sentiment_score":0.05924119800329208},{"text":"Yeah.","start":53.595,"end":53.835,"sentiment":"neutral","sentiment_score":0.06828303635120392}],"sentiment":"neutral","sentiment_score":0.032366617752069775,"num_words":11,"start":35.46,"end":53.835},{"sentences":[{"text":"Probably can.","start":53.835,"end":54.475,"sentiment":"neutral","sentiment_score":0.08496926724910736},{"text":"Yep.","start":54.475,"end":54.975,"sentiment":"neutral","sentiment_score":0.10064765810966492},{"text":"Just bear with me for a second.","start":65.14,"end":66.42,"sentiment":"neutral","sentiment_score":0.03777375152068479},{"text":"Let me computer start up.","start":66.42,"end":67.96,"sentiment":"neutral","sentiment_score":0.03540943972766399},{"text":"Not too bad.","start":72.104996,"end":72.825,"sentiment":"neutral","sentiment_score":0.08013469601670901}],"sentiment":"neutral","sentiment_score":0.05291409666339556,"num_words":18,"start":53.835,"end":72.825},{"sentences":[{"text":"My last relaxing day before I go on at work for another couple of weeks.","start":72.825,"end":76.685,"sentiment":"neutral","sentiment_score":0.05537107363343239},{"text":"Oh, yeah.","start":81.545,"end":82.185,"sentiment":"neutral","sentiment_score":-0.007199759595096111},{"text":"Sort of.","start":82.185,"end":82.66499,"sentiment":"neutral","sentiment_score":-0.013226396869868038},{"text":"Yeah.","start":82.66499,"end":82.985,"sentiment":"neutral","sentiment_score":0.01664610020816326},{"text":"Yeah.","start":82.985,"end":83.485,"sentiment":"neutral","sentiment_score":0.02735654264688492}],"sentiment":"neutral","sentiment_score":0.03970078259174313,"num_words":21,"start":72.825,"end":83.485},{"sentences":[{"text":"Couple of things I've numbered.","start":83.704994,"end":85.005,"sentiment":"neutral","sentiment_score":0.025511371716856957},{"text":"Yeah.","start":85.145,"end":85.384995,"sentiment":"neutral","sentiment_score":0.10758935660123824},{"text":"It's all good.","start":85.384995,"end":86.13,"sentiment":"neutral","sentiment_score":0.17680198947588602},{"text":"I'm not still starting.","start":90.28999,"end":91.409996,"sentiment":"neutral","sentiment_score":-0.09249328635632992},{"text":"It's a bit slow to start up, I think.","start":91.409996,"end":93.03,"sentiment":"neutral","sentiment_score":-0.17519567244582707}],"sentiment":"neutral","sentiment_score":-0.053690091537481006,"num_words":22,"start":83.704994,"end":93.03},{"sentences":[{"text":"How's the how's it all looking?","start":96.77,"end":99.525,"sentiment":"neutral","sentiment_score":0.03844322357326746},{"text":"Are we looking like we're gonna start and climb up and get our money back?","start":99.525,"end":102.565,"sentiment":"neutral","sentiment_score":-0.0047557485600312555},{"text":"Or Yes.","start":102.565,"end":126.32,"sentiment":"neutral","sentiment_score":0.09779989160597324},{"text":"Punisher income a little bit.","start":130.235,"end":131.755,"sentiment":"neutral","sentiment_score":0.041741368174552915},{"text":"So I've I've got that here for you to go through.","start":131.755,"end":134.97499,"sentiment":"neutral","sentiment_score":0.04128734716637568}],"sentiment":"neutral","sentiment_score":0.026097193742409732,"num_words":39,"start":96.77,"end":134.97499},{"sentences":[{"text":"Oops.","start":137.355,"end":137.755,"sentiment":"neutral","sentiment_score":-0.024763694033026695},{"text":"Sorry.","start":137.755,"end":138.155,"sentiment":"neutral","sentiment_score":-0.05285310000181198},{"text":"My computer's okay.","start":138.155,"end":139.535,"sentiment":"neutral","sentiment_score":-0.036626274387041725},{"text":"I probably missed the last five to thirty seconds of that.","start":142.315,"end":145.02,"sentiment":"neutral","sentiment_score":-0.06728585064411163},{"text":"Yep.","start":166.19499,"end":166.69499,"sentiment":"neutral","sentiment_score":0.2575680911540985}],"sentiment":"neutral","sentiment_score":-0.03941599312512314,"num_words":17,"start":137.355,"end":166.69499},{"sentences":[{"text":"Okay.","start":179.31,"end":179.63,"sentiment":"neutral","sentiment_score":0.10569994151592256},{"text":"Alright.","start":179.63,"end":180.03,"sentiment":"neutral","sentiment_score":0.13098376989364624},{"text":"Yep.","start":180.03,"end":180.53,"sentiment":"neutral","sentiment_score":0.10223865509033205},{"text":"Alright.","start":181.95,"end":182.45,"sentiment":"neutral","sentiment_score":0.1489248424768448},{"text":"Now I'm nearly opened.","start":183.63,"end":184.93001,"sentiment":"neutral","sentiment_score":0.12956195324659348}],"sentiment":"neutral","sentiment_score":0.12576187774538994,"num_words":8,"start":179.31,"end":184.93001},{"sentences":[{"text":"What?","start":193.69499,"end":193.935,"sentiment":"neutral","sentiment_score":0.06947124749422073},{"text":"What the damn word?","start":193.935,"end":195.235,"sentiment":"neutral","sentiment_score":0.04658553749322891},{"text":"It's under the mick underscore power, didn't you?","start":200.73,"end":203.23,"sentiment":"neutral","sentiment_score":0.0790450400672853},{"text":"Oh, yeah.","start":207.37,"end":207.77,"sentiment":"neutral","sentiment_score":0.057485222816467285},{"text":"There it is.","start":207.77,"end":208.25,"sentiment":"neutral","sentiment_score":0.05458271875977516}],"sentiment":"neutral","sentiment_score":0.06482735110653771,"num_words":18,"start":193.69499,"end":208.25},{"sentences":[{"text":"Yep.","start":208.25,"end":208.75,"sentiment":"neutral","sentiment_score":0.0584895983338356},{"text":"Downloading the one with the diet on it, the one with the icon first?","start":242.005,"end":246.74501,"sentiment":"neutral","sentiment_score":0.09038538379328591},{"text":"Okay.","start":265.42502,"end":265.905,"sentiment":"neutral","sentiment_score":0.007023169193416834},{"text":"What is the black screen at the moment?","start":265.905,"end":267.665,"sentiment":"neutral","sentiment_score":-0.09673974430188537},{"text":"Nothing.","start":267.665,"end":268.165,"sentiment":"neutral","sentiment_score":-0.14227968454360962}],"sentiment":"neutral","sentiment_score":0.01658842006698251,"num_words":25,"start":208.25,"end":268.165},{"sentences":[{"text":"Yeah.","start":271.825,"end":272.065,"sentiment":"neutral","sentiment_score":0.13445398211479187},{"text":"It looks alright.","start":272.065,"end":272.625,"sentiment":"neutral","sentiment_score":0.1989651471376419},{"text":"Crazy.","start":272.625,"end":273.125,"sentiment":"neutral","sentiment_score":0.28347793221473694},{"text":"Oh, no.","start":280.77,"end":281.09,"sentiment":"neutral","sentiment_score":-0.23975029587745667},{"text":"I don't trust this new high speed broadband stuff.","start":281.09,"end":284.13,"sentiment":"negative","sentiment_score":-0.4465557403034634}],"sentiment":"neutral","sentiment_score":-0.21772968117147684,"num_words":16,"start":271.825,"end":284.13},{"sentences":[{"text":"They got it.","start":284.13,"end":284.53,"sentiment":"neutral","sentiment_score":-0.25719986359278363},{"text":"They don't seem to work there sometimes.","start":284.53,"end":287.51,"sentiment":"neutral","sentiment_score":-0.19272843854767935},{"text":"Please try again.","start":313.62,"end":314.84,"sentiment":"neutral","sentiment_score":-0.1893521547317505},{"text":"I've got a little bit more of a signature a signature request, but that's about all we got at the moment.","start":325.07498,"end":330.215,"sentiment":"neutral","sentiment_score":-0.14806196270954042},{"text":"Oh, hang on.","start":339.88,"end":340.28,"sentiment":"neutral","sentiment_score":-0.004853695010145505}],"sentiment":"neutral","sentiment_score":-0.15709776829022007,"num_words":37,"start":284.13,"end":340.28},{"sentences":[{"text":"I'm not going to the other computer on the side.","start":340.28,"end":342.36,"sentiment":"neutral","sentiment_score":-0.052727628499269485},{"text":"It's a bit closer to the router.","start":342.36,"end":343.9,"sentiment":"neutral","sentiment_score":-0.02194752504250833},{"text":"It might it might be a bit quicker.","start":344.76,"end":346.62,"sentiment":"neutral","sentiment_score":-0.05400615860708058},{"text":"Hang on a sec.","start":347.16,"end":348.13998,"sentiment":"neutral","sentiment_score":-0.003798570018261671},{"text":"Bear with me.","start":403.19998,"end":403.91998,"sentiment":"neutral","sentiment_score":0.013868492096662521}],"sentiment":"neutral","sentiment_score":-0.033954594779061154,"num_words":32,"start":340.28,"end":403.91998},{"sentences":[{"text":"I'm nearly there.","start":403.91998,"end":404.9,"sentiment":"neutral","sentiment_score":0.006213760934770107},{"text":"Come on, Microsoft.","start":424.3,"end":426.74,"sentiment":"neutral","sentiment_score":0.055490722258885704},{"text":"Open up.","start":428.02,"end":430.3,"sentiment":"neutral","sentiment_score":0.015959247946739197},{"text":"Please wait a moment.","start":431.58,"end":432.8,"sentiment":"neutral","sentiment_score":-0.01706897560507059},{"text":"Alright.","start":439.45502,"end":439.95502,"sentiment":"neutral","sentiment_score":-0.00692305713891983}],"sentiment":"neutral","sentiment_score":0.010910229685787972,"num_words":13,"start":403.91998,"end":439.95502},{"sentences":[{"text":"Why isn't downloading on this one?","start":462.905,"end":464.845,"sentiment":"neutral","sentiment_score":-0.1421367016931375},{"text":"Can you maybe send that to me again?","start":465.30502,"end":467.08502,"sentiment":"neutral","sentiment_score":-0.03823053324595094},{"text":"Still coming.","start":483.62,"end":484.36002,"sentiment":"neutral","sentiment_score":0.03438480757176876},{"text":"Alright.","start":503.35,"end":503.75,"sentiment":"neutral","sentiment_score":0.06551985442638397},{"text":"That one is opened up.","start":503.75,"end":505.21002,"sentiment":"neutral","sentiment_score":0.0845325008034706}],"sentiment":"neutral","sentiment_score":-0.027350568297234448,"num_words":22,"start":462.905,"end":505.21002},{"sentences":[{"text":"Yep.","start":509.03,"end":509.53,"sentiment":"neutral","sentiment_score":0.06497974693775177},{"text":"It's opened up.","start":509.59,"end":510.65,"sentiment":"neutral","sentiment_score":0.11932086944580078},{"text":"Alright.","start":513.325,"end":513.565,"sentiment":"neutral","sentiment_score":0.17247067391872406},{"text":"That's the what do we got here?","start":513.565,"end":515.165,"sentiment":"neutral","sentiment_score":0.11505063303879329},{"text":"The statement of advice.","start":515.165,"end":517.58496,"sentiment":"neutral","sentiment_score":0.08022237382829189}],"sentiment":"neutral","sentiment_score":0.10760355973616242,"num_words":16,"start":509.03,"end":517.58496},{"sentences":[{"text":"Yep.","start":534.20996,"end":534.70996,"sentiment":"positive","sentiment_score":0.37112149596214294},{"text":"I'm tired.","start":550.815,"end":551.29504,"sentiment":"neutral","sentiment_score":-0.32819704711437225},{"text":"Yep.","start":551.29504,"end":551.79504,"sentiment":"neutral","sentiment_score":0.05899157375097275},{"text":"Yep.","start":586.175,"end":586.5,"sentiment":"neutral","sentiment_score":0.2629052400588989},{"text":"Yep.","start":600.885,"end":601.385,"sentiment":"neutral","sentiment_score":0.0580434612929821}],"sentiment":"neutral","sentiment_score":0.01577794613937537,"num_words":6,"start":534.20996,"end":601.385},{"sentences":[{"text":"Yep.","start":602.005,"end":602.505,"sentiment":"neutral","sentiment_score":0.1809391677379608},{"text":"Yep.","start":602.64496,"end":603.045,"sentiment":"neutral","sentiment_score":0.203775018453598},{"text":"Yep.","start":603.045,"end":603.545,"sentiment":"neutral","sentiment_score":0.26619720458984375},{"text":"Yep.","start":630.265,"end":630.765,"sentiment":"neutral","sentiment_score":-0.011032948270440102},{"text":"Yep.","start":637.385,"end":637.885,"sentiment":"neutral","sentiment_score":0.09764152765274048}],"sentiment":"neutral","sentiment_score":0.1475039940327406,"num_words":5,"start":602.005,"end":637.885},{"sentences":[{"text":"No worries.","start":638.185,"end":638.745,"sentiment":"neutral","sentiment_score":0.2530108168721199},{"text":"Yep.","start":638.745,"end":639.245,"sentiment":"neutral","sentiment_score":0.29944556951522827},{"text":"I cannot which page is that?","start":652.06,"end":654.14,"sentiment":"neutral","sentiment_score":-0.020588791463524103},{"text":"I which page oh, you can't see any page numbers.","start":654.14,"end":662.435,"sentiment":"neutral","sentiment_score":-0.047461102996021506},{"text":"No.","start":662.435,"end":662.675,"sentiment":"neutral","sentiment_score":-0.07895012199878693}],"sentiment":"neutral","sentiment_score":0.006418665125966072,"num_words":20,"start":638.185,"end":662.675},{"sentences":[{"text":"It isn't.","start":662.675,"end":663.255,"sentiment":"neutral","sentiment_score":-0.09398400783538818},{"text":"No.","start":664.835,"end":665.335,"sentiment":"neutral","sentiment_score":-0.10253430902957916},{"text":"I got risk risk profile, important relationship 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me a callback later on this afternoon or something.","start":2640.46,"end":2643.26,"sentiment":"neutral","sentiment_score":0.05905253246713143},{"text":"Or yep.","start":2643.26,"end":2649.45,"sentiment":"neutral","sentiment_score":0.0709711667150259},{"text":"Okay.","start":2655.7551,"end":2656.2551,"sentiment":"neutral","sentiment_score":0.03765621408820152}],"sentiment":"neutral","sentiment_score":-0.011005331257668635,"num_words":24,"start":2632.895,"end":2656.2551},{"sentences":[{"text":"Yep.","start":2657.115,"end":2657.435,"sentiment":"neutral","sentiment_score":-0.017051901668310165},{"text":"Not a problem.","start":2657.435,"end":2658.425,"sentiment":"neutral","sentiment_score":-0.2544332891702652},{"text":"I'll be I'll be away about two weeks, but you can try and give me a call if you want.","start":2682.52,"end":2687.235,"sentiment":"neutral","sentiment_score":-0.05021327575668692},{"text":"I may I may be in phone coverage.","start":2688.975,"end":2691.055,"sentiment":"neutral","sentiment_score":-0.019481012597680092},{"text":"We do carry a Starlink with us, so it's possible we'll have it there.","start":2691.055,"end":2698.0151,"sentiment":"neutral","sentiment_score":0.03367319982498884}],"sentiment":"neutral","sentiment_score":-0.031935664946618286,"num_words":46,"start":2657.115,"end":2698.0151},{"sentences":[{"text":"Now that's still not coming up with a signature thing.","start":2698.0151,"end":2701.1099,"sentiment":"neutral","sentiment_score":-0.21720793545246125},{"text":"You might have to send another another while doing it.","start":2701.1099,"end":2705.45,"sentiment":"neutral","sentiment_score":-0.07704902105033398},{"text":"Yep.","start":2707.43,"end":2707.93,"sentiment":"neutral","sentiment_score":0.0825546458363533},{"text":"Alright.","start":2708.55,"end":2709.05,"sentiment":"neutral","sentiment_score":0.3127075433731079},{"text":"Okay.","start":2726.2898,"end":2726.5298,"sentiment":"neutral","sentiment_score":0.038556959480047226}],"sentiment":"neutral","sentiment_score":-0.1090761050581932,"num_words":23,"start":2698.0151,"end":2726.5298},{"sentences":[{"text":"Hang on.","start":2726.5298,"end":2726.93,"sentiment":"neutral","sentiment_score":0.04029814898967743},{"text":"I just clicked the link, find document.","start":2726.93,"end":2729.19,"sentiment":"neutral","sentiment_score":0.09063916653394699},{"text":"There it is.","start":2730.2898,"end":2731.19,"sentiment":"neutral","sentiment_score":0.18127519885698953},{"text":"There it is.","start":2732.13,"end":2732.95,"sentiment":"neutral","sentiment_score":0.10943703850110371},{"text":"Yeah.","start":2733.17,"end":2733.49,"sentiment":"neutral","sentiment_score":0.011990967206656933}],"sentiment":"neutral","sentiment_score":0.09994988393737003,"num_words":16,"start":2726.5298,"end":2733.49},{"sentences":[{"text":"I think that's now I think I I opened the attachment up.","start":2733.49,"end":2737.25,"sentiment":"neutral","sentiment_score":-0.06414292023206751},{"text":"I didn't didn't I didn't didn't know if I dumped in there.","start":2737.25,"end":2742.835,"sentiment":"neutral","sentiment_score":-0.17074997909367085},{"text":"My fault.","start":2742.835,"end":2743.4949,"sentiment":"neutral","sentiment_score":-0.17039954662322998},{"text":"Now let's get down the bottom of it.","start":2746.595,"end":2748.855,"sentiment":"neutral","sentiment_score":-0.034723385237157345},{"text":"It's slow.","start":2752.0898,"end":2752.8098,"sentiment":"neutral","sentiment_score":-0.1795486882328987}],"sentiment":"neutral","sentiment_score":-0.10545550954217713,"num_words":36,"start":2733.49,"end":2752.8098},{"sentences":[{"text":"So here we go.","start":2752.8098,"end":2753.53,"sentiment":"neutral","sentiment_score":-0.016487328801304102},{"text":"Here it is.","start":2753.53,"end":2754.3499,"sentiment":"neutral","sentiment_score":0.026501067603627842},{"text":"Yeah.","start":2759.05,"end":2759.3699,"sentiment":"neutral","sentiment_score":0.006513230502605438},{"text":"Yeah.","start":2759.3699,"end":2759.53,"sentiment":"neutral","sentiment_score":-0.004823098890483379},{"text":"It doesn't wanna get back up.","start":2759.53,"end":2761.0698,"sentiment":"neutral","sentiment_score":-0.07083246919016044}],"sentiment":"neutral","sentiment_score":-0.02731671972821156,"num_words":15,"start":2752.8098,"end":2761.0698},{"sentences":[{"text":"Explorations.","start":2768.695,"end":2769.195,"sentiment":"neutral","sentiment_score":-0.015523770824074743},{"text":"There we go.","start":2776.935,"end":2777.415,"sentiment":"neutral","sentiment_score":0.009302896137038866},{"text":"Signature.","start":2777.415,"end":2777.915,"sentiment":"neutral","sentiment_score":0.013729849830269814},{"text":"Sign.","start":2783.97,"end":2784.13,"sentiment":"neutral","sentiment_score":0.02331908978521824},{"text":"Right.","start":2784.13,"end":2784.63,"sentiment":"neutral","sentiment_score":0.052477508783340454}],"sentiment":"neutral","sentiment_score":0.014558766569410051,"num_words":7,"start":2768.695,"end":2784.63},{"sentences":[{"text":"I've just signed it.","start":2787.57,"end":2788.95,"sentiment":"neutral","sentiment_score":0.08607285283505917},{"text":"Now just you know, this next document.","start":2790.625,"end":2806.3801,"sentiment":"neutral","sentiment_score":0.0798202141055039},{"text":"Showed up with the signature on it.","start":2808.52,"end":2810.46,"sentiment":"neutral","sentiment_score":0.1169485194342477},{"text":"I think it must be a It did that.","start":2812.12,"end":2818.845,"sentiment":"neutral","sentiment_score":0.10152972655163871},{"text":"Yeah.","start":2818.845,"end":2819.085,"sentiment":"neutral","sentiment_score":0.15361902117729187}],"sentiment":"neutral","sentiment_score":0.09960925379501921,"num_words":28,"start":2787.57,"end":2819.085},{"sentences":[{"text":"I've done both of those.","start":2819.085,"end":2820.225,"sentiment":"neutral","sentiment_score":0.16858063042163848},{"text":"Next document.","start":2821.165,"end":2821.985,"sentiment":"neutral","sentiment_score":0.1867256462574005},{"text":"Right.","start":2826.685,"end":2827.085,"sentiment":"neutral","sentiment_score":0.09842914342880248},{"text":"Okay.","start":2827.085,"end":2827.585,"sentiment":"neutral","sentiment_score":0.11801578104496002},{"text":"Oh, I think it's my computer.","start":2841.31,"end":2842.77,"sentiment":"neutral","sentiment_score":-0.11824437417089939}],"sentiment":"neutral","sentiment_score":0.048222208271423976,"num_words":15,"start":2819.085,"end":2842.77},{"sentences":[{"text":"My computer's out of no.","start":2842.83,"end":2846.305,"sentiment":"neutral","sentiment_score":-0.23387413322925568},{"text":"It's not supported by Windows 10.","start":2846.305,"end":2848.465,"sentiment":"neutral","sentiment_score":-0.21904961268107095},{"text":"I think it's playing up.","start":2848.465,"end":2849.925,"sentiment":"neutral","sentiment_score":-0.1735995501279831},{"text":"I mean, we're not no.","start":2851.825,"end":2854.725,"sentiment":"neutral","sentiment_score":-0.03179286941885948},{"text":"That's alright.","start":2856.065,"end":2856.545,"sentiment":"neutral","sentiment_score":0.0020365528762340546}],"sentiment":"neutral","sentiment_score":-0.152459014531063,"num_words":23,"start":2842.83,"end":2856.545},{"sentences":[{"text":"That's all.","start":2856.545,"end":2857.7651,"sentiment":"neutral","sentiment_score":0.023101293481886387},{"text":"All come with the one.","start":2858.065,"end":2859.3801,"sentiment":"neutral","sentiment_score":0.04366447404026985},{"text":"Validate and send documents.","start":2859.3801,"end":2860.9202,"sentiment":"neutral","sentiment_score":0.06571797654032707},{"text":"Yep.","start":2864.82,"end":2865.32,"sentiment":"neutral","sentiment_score":0.040477216243743896},{"text":"Oh, no.","start":2866.58,"end":2866.9001,"sentiment":"neutral","sentiment_score":-0.0163130946457386}],"sentiment":"neutral","sentiment_score":0.03823199216276407,"num_words":14,"start":2856.545,"end":2866.9001},{"sentences":[{"text":"That should be floating up here now.","start":2866.9001,"end":2868.76,"sentiment":"neutral","sentiment_score":0.021961610498172895},{"text":"Might be still low still loading on mine, so it might be a bit slow.","start":2876.865,"end":2880.325,"sentiment":"neutral","sentiment_score":-0.14249690721432368},{"text":"Alright.","start":2885.02,"end":2885.52,"sentiment":"neutral","sentiment_score":0.07692119479179382},{"text":"Give me just give me a shout if you have any problems, you don't see it.","start":2888.54,"end":2891.36,"sentiment":"neutral","sentiment_score":-0.005734819918870924},{"text":"Yep.","start":2899.145,"end":2899.465,"sentiment":"neutral","sentiment_score":0.16679275035858154}],"sentiment":"neutral","sentiment_score":-0.04579413770698011,"num_words":40,"start":2866.9001,"end":2899.465},{"sentences":[{"text":"No worries.","start":2899.465,"end":2900.105,"sentiment":"neutral","sentiment_score":0.17585375905036926},{"text":"Yep.","start":2900.105,"end":2900.425,"sentiment":"neutral","sentiment_score":0.16144824028015137},{"text":"Alright.","start":2900.425,"end":2900.745,"sentiment":"neutral","sentiment_score":0.28990334272384644},{"text":"Should be done.","start":2900.745,"end":2901.565,"sentiment":"positive","sentiment_score":0.3701746066411336},{"text":"It's fine.","start":2902.905,"end":2903.625,"sentiment":"neutral","sentiment_score":0.2304789274930954}],"sentiment":"neutral","sentiment_score":0.263837864001592,"num_words":9,"start":2899.465,"end":2903.625},{"sentences":[{"text":"Bingo.","start":2903.625,"end":2904.087,"sentiment":"neutral","sentiment_score":0.1803882122039795},{"text":"Alright then.","start":2905.0469,"end":2905.7869,"sentiment":"neutral","sentiment_score":0.18485349416732788},{"text":"Thanks.","start":2906.4868,"end":2906.9868,"sentiment":"positive","sentiment_score":0.5000211000442505},{"text":"No worries.","start":2909.447,"end":2910.167,"sentiment":"positive","sentiment_score":0.41974860429763794},{"text":"Alright then.","start":2910.167,"end":2910.9868,"sentiment":"positive","sentiment_score":0.42331258952617645}],"sentiment":"positive","sentiment_score":0.3420298360288143,"num_words":8,"start":2903.625,"end":2910.9868},{"sentences":[{"text":"Okay.","start":2913.127,"end":2913.627,"sentiment":"neutral","sentiment_score":0.16552209854125977},{"text":"Bye.","start":2913.847,"end":2914.327,"sentiment":"neutral","sentiment_score":0.1698826551437378},{"text":"See you.","start":2914.327,"end":2915.067,"sentiment":"neutral","sentiment_score":-0.0010462291538715432}],"sentiment":"neutral","sentiment_score":0.08332807384431362,"num_words":4,"start":2913.127,"end":2915.067}]}}]}],"paragraphs":{"transcript":"\nChannel 1: I'm speaking.\n\nChannel 0: Hi, Michael. It's Dana from OV Financial. How are you this afternoon?\n\nChannel 1: Yeah. Good. Yourself?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I had you booked in to go through your updated statement of advice. Is now still a good time there for you?\n\nChannel 1: Yeah. It's fine. Yep. Get me while you can.\n\nChannel 0: Fantastic. Michael, 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 us to proceed with that?\n\nChannel 1: Yep. No problems.\n\nChannel 0: Fantastic. And just to do a quick security check there for you just to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Michael John Power. 31 Circle. 70\n\nChannel 0: Yep.\n\nChannel 1: to the third. 965.\n\nChannel 0: Lovely. Thank you so much for that. As part of this to kinda make it easier on you, I normally send the the documents to you via email to sort of look at it with me. Are you able to look at your emails at the moment?\n\nChannel 1: Yeah. Probably can. Yep.\n\nChannel 0: Yeah. All good. I'm just gonna press send on this one. If you can pop in there real quick and open it. It just makes it easy, and I'll try to run through things as quickly as possible for you there.\n\nOkay?\n\nChannel 1: Just bear with me for a second. Let me computer start up.\n\nChannel 0: Yeah. You're right. Not an issue. How's your day been so far?\n\nChannel 1: Not too bad. My last relaxing day before I go on at work for another couple of weeks.\n\nChannel 0: Oh, wow. Is there a lot of chores to do at home?\n\nChannel 1: Oh, yeah. Sort of. Yeah. Yeah. Couple\n\nChannel 0: Yep.\n\nChannel 1: of things I've numbered. Yeah. It's all good.\n\nChannel 0: Yeah. No. All good.\n\nChannel 1: I'm not\n\nChannel 0: There\n\nChannel 1: still\n\nChannel 0: we\n\nChannel 1: starting.\n\nChannel 0: go.\n\nChannel 1: It's a bit slow to start up, I think.\n\nChannel 0: Yeah. That's okay.\n\nChannel 1: How's the how's it all looking? Are we looking like we're gonna start and climb up and get our money back? Or\n\nChannel 0: Yeah. Yeah. Well, look, honestly, it's not looking too bad at all. I've got some recommendations in here about reducing your risk because we did talk about as you are closer to your time, it's starting to reduce that risk profile a little bit. But we also talked about looking at that transition to your time and strategy where you can increase your contributions into super, but then to because increasing contributions in the super means to\n\nChannel 1: Yes.\n\nChannel 0: take home pay is reduced, we can also just draw a little bit out to kinda replenish\n\nChannel 1: Punisher\n\nChannel 0: your income\n\nChannel 1: income\n\nChannel 0: a little bit.\n\nChannel 1: a little bit.\n\nChannel 0: So I've\n\nChannel 1: So I've\n\nChannel 0: I've\n\nChannel 1: I've\n\nChannel 0: got\n\nChannel 1: got\n\nChannel 0: that here\n\nChannel 1: that\n\nChannel 0: for\n\nChannel 1: here\n\nChannel 0: you\n\nChannel 1: for you\n\nChannel 0: to go\n\nChannel 1: to\n\nChannel 0: through.\n\nChannel 1: go through. Oops. Sorry. My computer's okay.\n\nChannel 0: Oh, that's okay. You're fine.\n\nChannel 1: I probably missed the last five to thirty seconds of that.\n\nChannel 0: No. You're right. So the main sort of thing to go through with regard to the strategy is sorry. We're looking at that transition to new retirement sort of strategy where we could increase your contributions into super and also just draw a little bit out to replenish your income. So this sort of strategy allows you to make more contributions into the super system, save\n\nChannel 1: Yep.\n\nChannel 0: a little bit on income tax, but also draw a little bit out so your take home pay remains relatively the same, which makes it a a good strategy all around and helps to boost your super for the last couple of years before your retirement.\n\nChannel 1: Okay. Alright. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Alright. Now I'm nearly opened.\n\nChannel 0: That's okay. You're fine.\n\nChannel 1: What? What the damn word?\n\nChannel 0: You're all good.\n\nChannel 1: It's under the mick underscore power, didn't you?\n\nChannel 0: That's the one. Yeah. It should come through from Dana at Oak View\n\nChannel 1: Oh,\n\nChannel 0: Financial\n\nChannel 1: yeah. There it is.\n\nChannel 0: or from\n\nChannel 1: Yep.\n\nChannel 0: Odoo. Yeah. Perfect. Excellent. On the front page, so when you click the button that says sign here, it'll show you the statement of advice with your name on the front.\n\nIt'll have the date today's date, the 08/31/2026 there as well. That's okay.\n\nChannel 1: Downloading the one with the diet on it, the one with the icon first?\n\nChannel 0: That's the one. Yeah. So it should say statement of advice prepared for Michael Powell with the on the date, sorry, the 08/31/2026. And on the bottom of that front page, you'll have prepared for myself, Dana Taylor, and my lovely team here at Oakview Financial. And my license on the bottom there should be 1304394.\n\nChannel 1: Okay. What is the black screen at the moment? Nothing.\n\nChannel 0: No. You're right. It's still loading. Hey.\n\nChannel 1: Yeah. It looks alright. Crazy.\n\nChannel 0: That's okay. Love technology when it wants to work for us.\n\nChannel 1: Oh, no. I don't trust this new high speed broadband stuff. They got it. They don't seem to\n\nChannel 0: Doesn't\n\nChannel 1: work\n\nChannel 0: work\n\nChannel 1: there\n\nChannel 0: as\n\nChannel 1: sometimes.\n\nChannel 0: well? No.\n\nChannel 1: Please try again. I've got a little bit more of a signature a signature request, but that's about all we got at the moment.\n\nChannel 0: No. That's okay. That's the button that you have pressed to move forward. Just give it a time. It should be it might just need a little bit more time.\n\nIt's all good.\n\nChannel 1: Oh, hang on. I'm not going to the other computer on the side. It's a bit closer\n\nChannel 0: Yep.\n\nChannel 1: to the router. It might it might be a bit quicker.\n\nChannel 0: That's\n\nChannel 1: Hang\n\nChannel 0: okay.\n\nChannel 1: on a sec.\n\nChannel 0: No worries.\n\nChannel 1: Bear with me. I'm nearly there.\n\nChannel 0: That's okay. You're absolutely fine.\n\nChannel 1: Come on, Microsoft. Open up. Please wait a moment. Alright. Why isn't downloading on this one?\n\nCan you maybe send that to me again?\n\nChannel 0: Yeah. Absolutely. I'll just press resend on that for you. There you go.\n\nChannel 1: Still coming. Alright. That one is opened up.\n\nChannel 0: It did do it?\n\nChannel 1: Yep. It's opened\n\nChannel 0: Oh,\n\nChannel 1: up.\n\nChannel 0: beautiful.\n\nChannel 1: Alright. That's the what do we got here? The statement of advice.\n\nChannel 0: That's that's the one. Yeah. So that's the document that we'll look at there. So on the front there, you'll see your name, the date there, and at the bottom of that, my license number. So as a full licensed adviser, we are registered with, ASIC, and my registration number is 1304394.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now I'll run through the recommendations with you here on the points that we need to touch on just to kinda give you the information. You're welcome to ask me any questions you need as we are running through things, and then I'll let you go back. So you're welcome to read you the document prior to taking on any of the advice. Okay?\n\nChannel 1: I'm tired. Yep.\n\nChannel 0: Excellent. If you can scroll down to page number three and onwards there for me, this is showing you the areas that the advice is scoped in and out. So we're looking at the area of superannuation with this one. One of the things that we're looking at is that you were hoping to retire at around about age 63 to 65 with the intention of drawing about $500 per week from your super throughout retirement. Obviously, when you get to retirement, we'll fully reassess what you want to live on and what you wanna draw down on a weekly basis.\n\nThis is just giving us a bit of a guide for what we're sort of tracking for currently. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. You also wanted to look into increasing some gold exposure within your investment portfolio, and you had asked me to look at the Meeken Metals Limited to see if that was something that you were worth investing in within your super there as well. Does that still\n\nChannel 1: Yep.\n\nChannel 0: ring a bell or yep.\n\nChannel 1: Yep.\n\nChannel 0: Excellent.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Excellent. On the next page, we've also looked at the estate planning side of things. So you wanted to make sure that if anything did happen, that your beneficiaries are nominated to have everything paid to Jody and that you also wanted to make sure you guys do have a will and power of attorney in place. With the recommendation side of things, we just recommend that you do speak to a solicitor to have a will and power of attorney drawn up, but we do factor that into the advice to make sure that you're able to seek those services. If\n\nChannel 1: Yep.\n\nChannel 0: you did need us to, we can refer you through to us listed up for the drawing up of any wills, power of attorneys, and things like that. Okay?\n\nChannel 1: Yep. No worries.\n\nChannel 0: Excellent.\n\nChannel 1: Yep.\n\nChannel 0: Because you are a bit closer to the retirement years, I've spoken to a limited basis on the next page on page five there. The retirement aspect. This is just sort of looking at based on the current recommendations, what you're\n\nChannel 1: I\n\nChannel 0: sort\n\nChannel 1: cannot\n\nChannel 0: of tracking for\n\nChannel 1: which page\n\nChannel 0: by\n\nChannel 1: is\n\nChannel 0: drawing\n\nChannel 1: that? I\n\nChannel 0: down\n\nChannel 1: which\n\nChannel 0: five.\n\nChannel 1: page\n\nChannel 0: Sorry.\n\nChannel 1: oh, you can't see any page\n\nChannel 0: Oh, it's on the bottom of the page. My apologies.\n\nChannel 1: numbers. No. It isn't.\n\nChannel 0: It's not\n\nChannel 1: No.\n\nChannel 0: It's not showing up at all.\n\nChannel 1: I got risk risk profile,\n\nChannel 0: Yep.\n\nChannel 1: important relationship information.\n\nChannel 0: You're a little bit further along than me, but that's\n\nChannel 1: Okay.\n\nChannel 0: absolutely\n\nChannel 1: Well, I don't\n\nChannel 0: okay.\n\nChannel 1: know. What\n\nChannel 0: Yeah. If\n\nChannel 1: am\n\nChannel 0: you\n\nChannel 1: I?\n\nChannel 0: scroll back a little bit towards the front of the page, one of the headings, it should say scope of advice limited scope.\n\nChannel 1: Table of contents.\n\nChannel 0: Keep going down.\n\nChannel 1: Next page is risk risk profile.\n\nChannel 0: That's really bizarre. It's like rearrange the pages. That's not normal. Oh,\n\nChannel 1: You know, important relationships.\n\nChannel 0: that's\n\nChannel 1: Where are we? What what what's the heading of the one we're looking for?\n\nChannel 0: this one here is scoped in or scope of advice limited scope. That's really bizarre. Definitely, it's changed the pages around a little bit. That should not have happened.\n\nChannel 1: That that's not even in there. That there's nothing that says scope.\n\nChannel 0: I wonder what's missing.\n\nChannel 1: I thought I opened the wrong one.\n\nChannel 0: Interesting. No.\n\nChannel 1: Let me\n\nChannel 0: That\n\nChannel 1: go back\n\nChannel 0: should\n\nChannel 1: one.\n\nChannel 0: be\n\nChannel 1: Statement advice.\n\nChannel 0: yep.\n\nChannel 1: So SLA appendix is the one I've just opened.\n\nChannel 0: No. So the other one you want is the statement of advice. The\n\nChannel 1: Statement\n\nChannel 0: appendices,\n\nChannel 1: advice.\n\nChannel 0: it is a much\n\nChannel 1: Hold\n\nChannel 0: smaller.\n\nChannel 1: on.\n\nChannel 0: It's just got the research component in it. Yeah.\n\nChannel 1: Oh,\n\nChannel 0: That's\n\nChannel 1: I know. Alright.\n\nChannel 0: okay.\n\nChannel 1: Here we go. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Best interest duty.\n\nChannel 0: That's the one. And then you've\n\nChannel 1: Table\n\nChannel 0: got your table of\n\nChannel 1: content.\n\nChannel 0: contents,\n\nChannel 1: Yep.\n\nChannel 0: and then you've got your scoping considerations.\n\nChannel 1: I'm on that one\n\nChannel 0: Yep.\n\nChannel 1: now. Yep.\n\nChannel 0: Perfect. So that's where we're scoping in essentially looking at superannuation with your goal there. The next page, if you keep going down, is where we're looking at estate planning for you as we just went through there. And\n\nChannel 1: Yep.\n\nChannel 0: then the next page, you've got the limited scope there. So because you are a bit closer to accessing super, we wanted to sort of give you a bit of an idea on where you're tracking for based on the current recommendations. So we've\n\nChannel 1: Yep.\n\nChannel 0: limited scope in the the I sent you the draw down on what this could look like for you based on the current scenario. Okay?\n\nChannel 1: Yep. Okay.\n\nChannel 0: The next page outlines where we're not looking at additional advice. So we're not looking at cash flow and debt management that you are hoping to continue to pay down your mortgage and the business loan. You're currently happy to pay that down continuing to do so. If you did\n\nChannel 1: Yep.\n\nChannel 0: need additional advice in that area, we can always come back that down the track there. And\n\nChannel 1: Yep.\n\nChannel 0: the next page has insurance as noted. So we're not looking at any new recommendations around insurance as your main sort of goal with the advice when we spoke last time was focusing on getting your super up there, making it work, and making sure that you could get into a good position to be able to retire. Does that still sound appropriate?\n\nChannel 1: Yep. Yep. The dog. Yeah.\n\nChannel 0: Yep. Beautiful. The next is the limited scope page and then the about you section. Can I get you to run your eyes over that a little bit? Are there any major changes to any of that section that we need to maybe update?\n\nChannel 1: No. I don't think so. No.\n\nChannel 0: Right. Beautiful. And then we've also got the next page as your assets and liabilities. Now these could have changed a bit since we last called up there, but are there any major changes you would like us to make in the back end for you in relation to this section at all? To this section\n\nChannel 1: No. That's\n\nChannel 0: at\n\nChannel 1: yeah. That's\n\nChannel 0: all?\n\nChannel 1: still fine. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Excellent. We've\n\nChannel 1: Yep.\n\nChannel 0: got on the bottom of that page there your current net wealth super balance. So within net wealth there, you've got about $388,281.79 as your current balance there. Okay?\n\nChannel 1: Yep. Yep. That that should go up again once we maybe all the market settle again. Why not?\n\nChannel 0: Absolutely. Definitely.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Now if you go down for me, on the bottom of each of these page, there should be a page number. Can you see that on the bottom of each of those pages at the moment?\n\nChannel 1: No. Oh, yeah. Okay.\n\nChannel 0: No?\n\nChannel 1: Yep. Page 10,\n\nChannel 0: Yep.\n\nChannel 1: page 11. Yep.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: If you can get on the page number 14 for me, the heading there should be strategy recommendations.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yep. Beautiful. I'm gonna switch to a couple of pages. This is sort of touching the points that we need to, but then you're welcome to take it back and read it before you decide to take on any of the advice. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So this is essentially going through the start of the recommendations there. I did have a look at your super within Netwealth as well as other super funds out there just to sort of see whether we should look at changing any of those. I am recommending that we do retain Netwealth there. Netwealth is a good super fund.\n\nThere's honestly no real major reasons for moving out of the fund. It just adds unnecessary complex city. But we are recommending that we do switch your investments, and I'll go through that shortly. Essentially, one of the things we look at when we do look at whether switching a fund is appropriate or not is the capital gains consequences. So just like you, your super fund does a tax return every year.\n\nThey pay income tax, and they pay capital gains tax there as well. So,\n\nChannel 1: Yep.\n\nChannel 0: essentially, if we were to look at switching you out and moving to a new complete new super fund, we\n\nChannel 1: Yep.\n\nChannel 0: would be selling down all of the investments, which would have capital gains consequences to it.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: we\n\nChannel 1: Yep.\n\nChannel 0: are recommending we retain that.\n\nChannel 1: Yep.\n\nChannel 0: To give you a bit of an idea, if we had sold down everything and moved out of the fund, it would have triggered over $11,000 in capital gains tax for your super funds. So\n\nChannel 1: Yep.\n\nChannel 0: that's\n\nChannel 1: Yep.\n\nChannel 0: a pretty big chunk off your balance, which can be very difficult to get back.\n\nChannel 1: Oh, there's one\n\nChannel 0: So\n\nChannel 1: moment.\n\nChannel 0: so limiting that in any way, we're gonna retain NetWell for the time being. I am gonna switch your underlying investments, which actually had a much lower CDT consequence, and I'll show you that in a moment as well. You'll\n\nChannel 1: Yep.\n\nChannel 0: be able to keep your contributions going in at the current rate, and I'll go through a bit more detail around the rest of the strategies there. So right now, it's just retaining Netwealth, continuing to put your contributions in as you have been, and we'll put the investments out for you.\n\nChannel 1: Yep. Okay.\n\nChannel 0: If you can move down for me, just the page number 20, the heading on this one is recommended investments superannuation. You'll see a table, and it's got lots of different investments noted in the table.\n\nChannel 1: Yeah. Yep. Yep.\n\nChannel 0: Yep. You can't miss that one.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Now this is essentially showing you what we're looking to do within the portfolio. So at the moment, you're in that growth environment, which as we kinda went through last time, sees 80% in those growth assets. So things like Australian shares, international shares, listed property, and commodities like gold and silver. When you\n\nChannel 1: Yep.\n\nChannel 0: are closer to accessing super like you are, it's important to start considering reducing your risk level significantly. Essentially, we talked about reducing your risk level and moving from that growth environment to a more balanced environment, which reduces your growth in the investment allocation from 80% to 60% essentially or as close to 60% as possible. It's about taking less risk in the market and having more defensive or income producing assets within your portfolio,\n\nChannel 1: Yeah.\n\nChannel 0: and doing that in a way that you're sort of reducing your risk level, having more income production within\n\nChannel 1: Yep.\n\nChannel 0: the portfolio, but also more capital stabilization. So the idea is to protect the super you have. You still wanna get growth and income out of that at a more stable level and without taking too much risk because you are closer to accessing super. One\n\nChannel 1: Yep.\n\nChannel 0: of the biggest things I tend to try to avoid is where you're wanting to access your super, but at the time that you decide to retire, there's a very large market dip which you would take into effect. If you think back to the GFC, around that 02/2007, 2008, that was probably one of the biggest times that a lot of people saw that. There was a lot of pea previous clients who were trying to, you know, access their super around that time. And when they were retiring, the GFC kinda hit, which meant that if they continue to retire and stop working, they would be cementing the losses. So\n\nChannel 1: Yeah.\n\nChannel 0: reducing\n\nChannel 1: Yep.\n\nChannel 0: your risk level essentially comes into that aspect in trying to protect the capital you have within so far.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: what we wanna do with your portfolio is, at the moment, you've got some physical gold in there. One of your things is that you wanted to increase your exposure into physical gold, and absolutely fine to do so. You have about 8.27% there at the moment. In the\n\nChannel 1: Yep.\n\nChannel 0: balanced portfolio, we're gonna increase that to 10% for you. That it's only a it's only a small increase, and one of the reasons I'm not increasing it above that level is that gold, whilst it is a good commodity, has seen really good growth, there's no income that's produced out of it. So in order to take advantage of the growth that is produced from physical gold, you have to then sell the asset and cement the gains to redistribute them. So it\n\nChannel 1: Yeah.\n\nChannel 0: is good to have more gold in your portfolio. It does act defensively at certain times, which is great, but it's also not an income product producing asset. So we\n\nChannel 1: Yeah.\n\nChannel 0: wanna hold about 10% in there. It does mean that you have more than you currently have, which is a benefit for you.\n\nChannel 1: Yep. Yep. Okay. Yep.\n\nChannel 0: Okay? Excellent. You've also got the beta shares a 200 in there. This is giving you exposure to the top 200 companies on the ASX. At the moment, you've got about 34.23% in that balanced environment.\n\nWe only wanna hold 30%, so we're gonna reduce that exposure and sell some of that investment for you. Okay?\n\nChannel 1: Yep. Okay.\n\nChannel 0: You've also got your Vanguard fixed interest. So this is giving you access to sent sorry. Fixed interest, so bonds and cash investments, term deposits, and things like that. You hold about 9% there at the moment. In this balanced environment, we wanna hold a bit more of that investment, so we're gonna increase your exposure to 22% there.\n\nIt means buying a bit more. You've got there the BetaShares cybersecurity, essentially, currently holding 5.51%. We wanna reduce that exposure to 4%, so it just means selling a little bit of that investment off. Okay?\n\nChannel 1: Yep.\n\nChannel 0: We've also got the iShares Europe is the next one down. This is giving you exposure to all 16 European countries, so both established and emerging markets, which is great for diversification. You're only just overexposed at the moment. You've got about 4.66%. We wanna hold about 4%, so it's just about selling off a very small portion of that to rebalance you back a little bit.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: And then we've also got the iShares of Japan for giving you exposure to the Japanese market. You've currently got 4.04%. We only wanna hold 4% of that investment, so we're just selling off about $200 of that one just to rebalance\n\nChannel 1: Yeah.\n\nChannel 0: you back a little bit. And then\n\nChannel 1: Yeah.\n\nChannel 0: also holding the S and P 500. This is giving you exposure to the top 500 companies on the American market there. You've got about 25 invested in this portfolio. We only wanna hold about 20% of this investment, so we'll be selling a little bit of that for you to rebalance you back a little bit. Okay?\n\nChannel 1: Yep. Okay.\n\nChannel 0: Excellent. So just made a slight changes, and essentially means that we're lowering the CGT. It's also a low risk portfolio, but still maintaining its exposure to a diversified range of investments. And not\n\nChannel 1: Yep.\n\nChannel 0: everyone's that interested in all of those, but do you have any questions so far?\n\nChannel 1: Not really. No.\n\nChannel 0: No?\n\nChannel 1: I'm I'm\n\nChannel 0: That's\n\nChannel 1: I'm\n\nChannel 0: okay.\n\nChannel 1: fussing you with it. Sorry.\n\nChannel 0: Excellent. All good. Now one of the other things that we do look at, that you wanted me to look at as well was the Mica Metals. You wanted me to have a look to see if it was worth adding any of this into your super. I did have a look at it, and I did sort of go to portfolio.\n\nAnd that is essentially because of based on our analysis and the research we were able to look at, it is a very volatile asset. So it goes up and down in,\n\nChannel 1: The dog's\n\nChannel 0: you know,\n\nChannel 1: here.\n\nChannel 0: very it is very volatile. It goes up and down in very short time frames and historically has fluctuated pretty drastically.\n\nChannel 1: Yep.\n\nChannel 0: So, essentially, we assess the risk level as being too high for your super based on your risk capacity, your tolerance. However, if you wanted to look at investing in in your own name outside of super, it is something you could definitely look at. I'm more than happy to provide you with the research data.\n\nChannel 1: Yeah. That's a\n\nChannel 0: We\n\nChannel 1: special.\n\nChannel 0: just sort of we just wanted to sort of look at with your super, you're tracking towards retirement.\n\nChannel 1: Yeah.\n\nChannel 0: We don't wanna do anything that's gonna put too much risk on your super. We want you to get to retirement and enjoy your retirement years, not be having to make money back because of a large drop because of a certain portfolio or\n\nChannel 1: Yep.\n\nChannel 0: a certain asset in your portfolio there. So we're\n\nChannel 1: Yep.\n\nChannel 0: not adding that in. We're keeping you in a more conservative environment and looking after your super for you. But I do have in that document there a little bit of information around why we did and or did not look at it for you, why we did or did not add it into the portfolio so you can sort of see that as well.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. On the next page, if you scroll down, you'll see your cash investment there. Now within Netwealth, we wanna hold about 2% cash. At the moment, you've got about a bit of a 4% there. So, realistically, you've got too much cash sitting there.\n\nWe're just gonna reinvest about 9,000 of that and make sure that you don't hold any more cash than what you need to within your portfolio. Okay?\n\nChannel 1: I can. Yep. Yep. No worries.\n\nChannel 0: Excellent. Beautiful. If you can scroll down to the next page for me, the next one down has the proposed asset allocation.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Now this is sort of showing you essentially where the asset allocation sits with you currently versus what I'm recommending. So you I'm sort of looking at the two columns, the existing and the proposed there. So the existing, when you look at the growth assets, it's it shows it's the bold column. You'll see 87.72%.\n\nSo at the moment, you're sitting in more of that growth profile. By making these slight changes to your super, we're essentially reducing your growth assets down to about 76%, which is a positive for you. Okay?\n\nChannel 1: Yep. I'm trying. Yep.\n\nChannel 0: Excellent. And then we've also got at the moment about 12.28% in defensive assets, so things like cash, bonds, fixed interest, things like that. We're\n\nChannel 1: Yep.\n\nChannel 0: increasing those defensive assets. They're more lower risk, and we're increasing them to 24% with this new portfolio for you.\n\nChannel 1: Okay.\n\nChannel 0: Okay?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Excellent. It can be a lot. This is why we sort of want you to look at the document with me, but do you have any questions at the moment? Is there anything you wanted me to kinda go through in more detail or run through with\n\nChannel 1: No.\n\nChannel 0: you?\n\nChannel 1: No. That's fine. That's fine. All good.\n\nChannel 0: Yeah. That's okay? Beautiful. Now the next page is where it gets a little bit more complex. This is looking at that transition retirement strategy, essentially.\n\nSo if you go down to the next page, it'll have the transfer time strategy outlined for you, and that's on page 23. Is that what you can see?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Beautiful. So, essentially, what we're gonna do now the way this essentially works is that it helps you by increasing contributions in your super. So you'll be able to start salary sacrificing an additional $200 per week into your super. So you're essentially adding an extra $10,400 across the year into super as salary sacrifice.\n\nChannel 1: Yep.\n\nChannel 0: However, because normal salary sacrifice means that your take home pay is reduced, what we're able to do, because you're over the age of 60, is we're able to open up a second. It's called a transition retirement pension account. So you will have two super accounts, one super accumulation where your contributions go into, and we'll have a second kind of pension account with a 165,539 sitting in that. The other 233 remain in your super account. What we're\n\nChannel 1: Yep.\n\nChannel 0: able to do is once you start that $200 per week contribution in the super, to make sure that your take home pay basically stays at the same level as what it is currently, we'll start to be able to draw down on that. Essentially, we're able to draw down up to 10% of the balance, and we're\n\nChannel 1: K.\n\nChannel 0: gonna be able to withdraw $6,622 on a yearly basis if I work out that per week for you. 52. It's about a $127.34 per week, and that replenishes your income, essentially. So you end up putting more money into super into the tax effective environment, the $200 per week, where it's only taxed at 15% instead of your marginal tax rate. You end up with more money sitting in your super invested working harder for you.\n\nAnd then we draw out a small amount of money less than you're putting in about a $127 per week out of the super system to your bank account. It replenishes your income, and the amount you take out of the super system is completely tax free for you. Does that\n\nChannel 1: Alright.\n\nChannel 0: make sense? Do you have\n\nChannel 1: Yep.\n\nChannel 0: any questions?\n\nChannel 1: Yep. Yep. That's alright. Kinda rather than put that $127 back into my account, can't we put that back into the server?\n\nChannel 0: Well, the main thing is that it's keeping your take home pay basically the same. So because\n\nChannel 1: Alright.\n\nChannel 0: you're putting\n\nChannel 1: No.\n\nChannel 0: that\n\nChannel 1: Right.\n\nChannel 0: that $200 into super every week, you're actually\n\nChannel 1: Yep.\n\nChannel 0: coming out with, you know, less than $200, but your, you know, your take home pay is reduced. So because life is expensive, we draw\n\nChannel 1: Yep.\n\nChannel 0: a little bit out of your out of the super system to kinda replenish your income.\n\nChannel 1: I\n\nChannel 0: If\n\nChannel 1: can.\n\nChannel 0: at the end of the year, you don't need that, you wanna put it back into super, you're always welcome to let me know. We can definitely look at doing that for you. But\n\nChannel 1: Yep.\n\nChannel 0: we just wanna make sure that with this strategy that you're not less short in any way because\n\nChannel 1: Yep.\n\nChannel 0: growth is expensive at the moment and no minor shopping.\n\nChannel 1: Yep. Fair enough. Yep. Okay.\n\nChannel 0: Yeah. If you go down for me to the next page to page 25, I can show you in numbers essentially how this looks for you.\n\nChannel 1: Nope.\n\nChannel 0: Yeah. So we've worked out your income based on your contributions and the information that we've been able to work out. So we've worked out on average, you should get about a 160,000 in income. In the current position, you're not making any current salary sacrifice contributions. In the proposed, we're recommending $200 per week, so 10,400 over the course of the year.\n\nThat\n\nChannel 1: No.\n\nChannel 0: reduces your taxable income down to a 149,600. So because the salary sacrifice is deducted from your income pretax, it\n\nChannel 1: Yep.\n\nChannel 0: reduces your total taxable income. Then you're paying income tax. So in your current position, paying roughly 43,470 on income tax each year. By increasing salary sacrifice, you're reducing the income tax to $39,415. So\n\nChannel 1: Yeah.\n\nChannel 0: it's\n\nChannel 1: Okay.\n\nChannel 0: giving you essentially a reduction in income tax, which is a benefit. You pay less income tax. However, it doesn't reduce your your net income. So when you think about your current scenario, current income minus the income tax payable, it means that your take home pay is actually about a 116,530. Under\n\nChannel 1: Yep.\n\nChannel 0: the proposed, we start with a 160. We increase the contributions to super. We're then lowering the income tax, but it also means that the take home pay is reduced to about a\n\nChannel 1: Yep.\n\nChannel 0: 110,000 as well. So in\n\nChannel 1: Yep.\n\nChannel 0: order to replenish that so you can still pay your bills, go on your holidays, and do all the work that you need to pay for groceries,\n\nChannel 1: Yep.\n\nChannel 0: we we draw out of the super system $6,622 on a yearly basis or about a\n\nChannel 1: Yep.\n\nChannel 0: $127.35 per week, and that is paid to your bank\n\nChannel 1: Yep.\n\nChannel 0: account.\n\nChannel 1: Yep.\n\nChannel 0: And, essentially, at the bottom there shows that you it reduces or it brings back your net take home pay.\n\nChannel 1: Yep.\n\nChannel 0: It actually\n\nChannel 1: Yep.\n\nChannel 0: gives you a little bit more take home pay than what you're currently getting, which is also\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: a\n\nChannel 1: Yeah.\n\nChannel 0: benefit. But\n\nChannel 1: Yeah.\n\nChannel 0: you're essentially gonna have the same take home pay. It's just coming from two different sources. The amount of money you're receiving out of the super system because you're over 60 is completely tax free. Under\n\nChannel 1: Okay.\n\nChannel 0: the transition time and strategy, we're only able to access on this financial year up to 10%. So we're not able to access the full balance in under pension until you retire. But this kind of strategy is really cool because it allows you to put more money into super, take advantage of that more tax effective strategy. It's essentially think of it as moving money around in a more tax effective way. Instead of receiving all of your salary, personally, I'm paying more income tax.\n\nYou're putting an extra $200 per week in the super. That reduces\n\nChannel 1: Yep.\n\nChannel 0: your salary and the income tax that you're paying. But because you would normally have, you know, less money in your bank account each week, we use some of your existing super, and we start a secondary pension account. From that pension account, you draw down a $127 per week that goes\n\nChannel 1: Yep.\n\nChannel 0: into your bank account. And, essentially, we reevaluate that strategy every year, and we can keep rolling in and out and updating the figures on a regular basis.\n\nChannel 1: Okay.\n\nChannel 0: Instead\n\nChannel 1: I'm\n\nChannel 0: of you paying 30 odd percent tax on that money, it's only paying 15% in the super system. Does that make sense?\n\nChannel 1: Yep. Yep. Yep. We can't cope.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. It's pretty cool the way it works. It's a strategy that not everyone can do. You have to be over 60 to be out of benefit in these types of really fun strategies, so it's a benefit to getting older, essentially. But it ultimately keeps your take home pay the same.\n\nYou put more money in the paper, and you pay less tax, which is never a bad thing.\n\nChannel 1: Yeah. I got you. Fair enough. Yep.\n\nChannel 0: Yeah. All good. If you can move down for me to page number 30, I can show you essentially the outcome and the projected outcome of what this should look like for you.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So at the moment, your current scenario has your current Netwealth account there and the fees that you do pay. You pay administration fees, investment fees, the ongoing service fee for us, and also contributions going in there. No pension withdrawal at the moment. By starting the strategy, doing the investment switch, and then opening the trans transition to retirement pension, you'll have the two accounts.\n\nThe accumulation, which is your super, that's essentially where your your money is now. It's in the accumulation phase. We're accumulating wealth for retirement. We'll leave 233,000 in that account. Sorry.\n\nIn the pension, we'll open it up with a 165,539. After completing the investment switch and you remember how I talked before about, yeah, if we were to sell down all the investments, the CGT would have been over $11,000?\n\nChannel 1: Yep. Yes. Yes. Yeah.\n\nChannel 0: Yeah. So by keeping everything in net wealth and just making the smallest switch with with your investments, the expected capital gains consequence for your super fund is about 1,381. So we can\n\nChannel 1: Yep.\n\nChannel 0: reduce your risk level and alter those investments as we need to, and it\n\nChannel 1: Yep.\n\nChannel 0: reduces the amount of tax that your super fund would have to pay, which is a benefit. Okay?\n\nChannel 1: Okay. Yep. Fair enough. Yep.\n\nChannel 0: Excellent. Essentially, you then have the two accounts. You've got your ongoing administration fees. That is two accounts, so it does mean that they are slightly higher. However,\n\nChannel 1: Yep.\n\nChannel 0: we can also save not a great deal. It's about a dollar, but the newer investment portfolio is actually cheaper by about a dollar a year for you. So\n\nChannel 1: Okay.\n\nChannel 0: that\n\nChannel 1: Yep.\n\nChannel 0: is\n\nChannel 1: Yep.\n\nChannel 0: slight benefit. We'll save that $1.\n\nChannel 1: Yep.\n\nChannel 0: Ongoing service fees are reduced a little bit, which is great just because of the difference in the balance there, and you are drawing some funds out. And then you've got underneath there your contributions going in. So it increases your contributions. So your net after tax contributions in the super for the year would be about 25,160. And then the pension withdrawal out, we take the 6,000 it's essentially 6,622 out of the super system for you, which goes to your bank account to assist you.\n\nOkay?\n\nChannel 1: Okay. Yep. Yep.\n\nChannel 0: Excellent. Underneath that, you can sort of see the projection table. So under your current scenario, we could see over the next sort of two to four years, you're ending up with about, yeah, 460,000 to 540,000. However, under the recommended strategy with increasing contributions, replenishing your income, and also reducing your risk level in the portfolio, we can actually see over the next sort of two to four years, we can expect you to have a much greater super in there. So a bit of a 470,000 in around about two years.\n\nChannel 1: Okay.\n\nChannel 0: And in four years, you could end up with a bit of a 550,000 there. So you're taking advantage of the market and sort of helping to provide a greater benefit to your super long term there as well. Alright?\n\nChannel 1: Okay. Yep. No worries.\n\nChannel 0: Do you have any questions at all? You're\n\nChannel 1: It's\n\nChannel 0: welcome to let me know if you do.\n\nChannel 1: fine. That's fine. All good.\n\nChannel 0: That's okay? Beautiful. If you go down to the next page, this is essentially showing you once you kind of get to the age of 63, 65 there, what we can sort of expect with the drawdown aspect.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: Yeah. This is essentially starting at 62. But if you decided to start at 65, it does provide you with a greater benefit there, provide longer term. But essentially shows that by drawing down what you want to on a yearly basis, we can sort of see your super lasting a bit longer there. And projecting forward to around about age 70 to 71, this is sort of looking at just your pension drawdown if we kinda refreshed everything moving forward.\n\nAnd you can sort\n\nChannel 1: Yep.\n\nChannel 0: of see the projected outcome up to about age 70 there. So this does depend on market reactions.\n\nChannel 1: Yeah.\n\nChannel 0: Markets\n\nChannel 1: Exactly.\n\nChannel 0: go up.\n\nChannel 1: Yeah.\n\nChannel 0: Markets\n\nChannel 1: I got one.\n\nChannel 0: go down. Yeah. But\n\nChannel 1: Yep.\n\nChannel 0: it kinda shows you where you're essentially tracking forward and what this\n\nChannel 1: Yep.\n\nChannel 0: might look like if you kept doing it longer. And then depending on when you actually choose to retire, what income you wanna draw down in retirement, then we can kind of look at how that works down the track for you and how long your super would last without a contributions\n\nChannel 1: Yeah.\n\nChannel 0: going\n\nChannel 1: Yeah.\n\nChannel 0: in. Does that\n\nChannel 1: Yeah.\n\nChannel 0: make sense?\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: Yep. Beautiful. Fantastic. But, honestly, it it looks really good. It looks like it can definitely put you in a really good position, and adding more money to super now, giving you that last little boost over the next couple of years towards you wanting to stop working and fully retire, means that we can take advantage of the market and lowering your risk level as well to put some protections in in place for your capital\n\nChannel 1: Yep.\n\nChannel 0: for\n\nChannel 1: Okay.\n\nChannel 0: your super.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. Excellent.\n\nChannel 1: Uh-huh.\n\nChannel 0: The last couple of pages are just about making sure that you do speak to us, Melissa, that have a will and power of attorneys drawn up and things like that. And\n\nChannel 1: Yep.\n\nChannel 0: when it comes to opening up the the pension accounts, we'll make sure that your beneficiaries are also nominated on file there to make sure that that is all covered. Okay?\n\nChannel 1: Yep. Yep. Okay. Yep.\n\nChannel 0: Excellent. That can be a lot, and you're welcome to definitely go back and have a good read Let me know if you do happen to have any questions prior to, you know, you decided to take any of the advice there. But do you happen to have any questions at the moment? Has anything kinda come up in the course of our conversation with regard to that?\n\nChannel 1: No. Not really. I don't understand what you're what you're talking about doing there. Yes. Yeah.\n\nChannel 0: Beautiful. Fantastic. And you're on you're an ongoing service client at the moment. So you're on a ongoing service fee of 1.65%. That would essentially just be prorated across the two accounts there for you as well, so no change to that currently.\n\nChannel 1: Yep. Okay. Yep.\n\nChannel 0: Beautiful. So what I'll do is I'll let you go back. You're welcome to have a read through the document. How we would go through implementing this if you decide to take on the recommendations is essentially, I'll start by doing the investment switch first. While everything's in one account, we switch the investments.\n\nOnce that has been completed, my team will get your bank account information so they can set up the pension account. That\n\nChannel 1: Yep.\n\nChannel 0: can take between two to five days depending on how busy Netwealth are. They would transfer the money into the pension account, leaving that 233 behind in the super account there. I\n\nChannel 1: Yep.\n\nChannel 0: will never get you the salary sacrifice until we know when your first pension account when your first pension payment is to be drawn. So my team will set up your first pension account pension payment, sorry, of the $127.35. They'll let you know\n\nChannel 1: Yep.\n\nChannel 0: what day that's expected to be paid. They can also set it up. And when they call to get your bank details, they'll also check when you want that to start. So whether you want it to be paid on the same day as your employment income or whether you wanna pay it on a different day so we can\n\nChannel 1: Yep.\n\nChannel 0: align that with your income.\n\nChannel 1: Yep. That's\n\nChannel 0: And\n\nChannel 1: fine,\n\nChannel 0: then\n\nChannel 1: man.\n\nChannel 0: once they know once they know what date your pension payment is due to be paid from the account based pension, they will then give you the salary sacrifice letter to be provided to your employer, and then you can start that. The reason\n\nChannel 1: I\n\nChannel 0: I\n\nChannel 1: can.\n\nChannel 0: do it that way is that I don't want you to be putting salary sacrifice in, having less income, and not having that income replaced. So I like you to receive your first payment first, then we salary sacrifice. That way, you're not left short for any particular,\n\nChannel 1: Yep.\n\nChannel 0: couple of weeks. Does that make sense?\n\nChannel 1: Yep. Yep. That makes sense. Yep. Yep.\n\nChannel 0: Beautiful. All good. Well, that's basically the entire strategy, and thank you so much for taking my call today. I really appreciate it. You're welcome to go back and have a read through the document.\n\nIf you do find you have any questions, let me know. I'm just gonna really quickly also check your ID is up to date because to open the account, they will ask for an updated copy\n\nChannel 1: Yep.\n\nChannel 0: of your identification to your driver's license. Let's double check that while I have you here. Sorry. Sorry. My computer's having a moment.\n\nHere we go.\n\nChannel 1: I need\n\nChannel 0: Yep.\n\nChannel 1: to print this off and send it back to your door.\n\nChannel 0: So if you're happy to take on the recommendations, there is a little signing section on the very last page. There's a button that says sign. It will help you to electronically sign the document and then date it, and then it will just once you've pressed finish, it'll come directly back to us, and we'll start to implement it. If you feel like you wanna take some time to read through it first before taking the recommendations, you don't have to sign it now. You can take it back, have a read through it, and then sign it\n\nChannel 1: Okay.\n\nChannel 0: when you are comfortable to do so. It is completely up to you. Okay?\n\nChannel 1: Doesn't doesn't appear to be giving me a a signature.\n\nChannel 0: If\n\nChannel 1: I\n\nChannel 0: you're\n\nChannel 1: mean\n\nChannel 0: on the signature page, is there a button that says sign like, it should have a\n\nChannel 1: no.\n\nChannel 0: little with your\n\nChannel 1: No.\n\nChannel 0: name\n\nChannel 1: It\n\nChannel 0: in\n\nChannel 1: doesn't.\n\nChannel 0: it?\n\nChannel 1: No. It doesn't come up with that. No.\n\nChannel 0: That is really weird. Maybe it didn't attach. It should have attached properly. Yeah. I can see it's got one there.\n\nIt's in the signature botch. It should say signature Michael Power or just Michael Power in some funny, cute writing.\n\nChannel 1: Yeah. Hey. I might try and add them back up again and\n\nChannel 0: Yeah. That's okay. Did you want me to get one of my team to give you a call a bit later just to check how you're going if we don't see it come back or just a couple of days? What would you sort of prefer for a check-in?\n\nChannel 1: I'm just gonna be away for a few days. I'd rather get it sorted.\n\nChannel 0: Now?\n\nChannel 1: I'm gonna go away. I don't know when I'm gonna be contacting all again.\n\nChannel 0: Okay. Not a problem at all. Yeah. That's alright.\n\nChannel 1: No. Still not coming up with that.\n\nChannel 0: Not\n\nChannel 1: That\n\nChannel 0: coming\n\nChannel 1: looks\n\nChannel 0: up?\n\nChannel 1: no. It's\n\nChannel 0: Maybe if you go out of the eave, eave yeah. Maybe if you go out of the email and back into it again.\n\nChannel 1: Previous file. What can I mean preview the course and error with the following? Hang on. Let's close. And I'll close the email down.\n\nI'll open it back up again. We'll go back to the original one.\n\nChannel 0: Yeah. That's okay. The other option is I could always ask someone to send it through you via Adobe Sign. It might work out easier for you.\n\nChannel 1: Yeah. Hold on. Hang on. I'm on the end. It's gone.\n\nThere's the first one. Hang on. Installing an Adobe update now.\n\nChannel 0: Oh,\n\nChannel 1: Maybe there's something wrong with Adobe.\n\nChannel 0: alright.\n\nChannel 1: Believe it. Let me maybe give me a callback later on this afternoon or\n\nChannel 0: Yep.\n\nChannel 1: something. Or\n\nChannel 0: Yeah. I'll get one of my admin team members to give you a call starting to see if you have any troubles. They can also\n\nChannel 1: yep.\n\nChannel 0: talk you through the signing process. If it's still not working, they can also send it through via another system to see if we can get it sorted for you.\n\nChannel 1: Okay.\n\nChannel 0: Okay?\n\nChannel 1: Yep. Not\n\nChannel 0: All\n\nChannel 1: a\n\nChannel 0: good.\n\nChannel 1: problem.\n\nChannel 0: The other thing I just wanna check on, so you'll be uncontactable for a period of time. If we do the investment switch, it can take generally about a week to have the investment switch completed. Then we normally go through and set up the TTR side of things, and my team will have to give you a call just to to find out your bank information for that. How long before they should give you a call? Is it, like, one to two weeks that you'll be working for?\n\nHow long\n\nChannel 1: I'll be\n\nChannel 0: before you'll\n\nChannel 1: I'll be\n\nChannel 0: be\n\nChannel 1: away\n\nChannel 0: able to\n\nChannel 1: about\n\nChannel 0: be\n\nChannel 1: two weeks, but you can try and give me a call if you want. I may I may be in phone coverage. We do carry a Starlink with us, so\n\nChannel 0: yep. Yep. No worries.\n\nChannel 1: it's possible we'll have it there. Now that's still not coming up with a signature thing. You might have to send another\n\nChannel 0: Yep. I'll get someone\n\nChannel 1: another\n\nChannel 0: to send\n\nChannel 1: while\n\nChannel 0: it\n\nChannel 1: doing\n\nChannel 0: via\n\nChannel 1: it.\n\nChannel 0: Adobe sign and follow-up for you. Not a worry\n\nChannel 1: Yep.\n\nChannel 0: at all.\n\nChannel 1: Alright.\n\nChannel 0: All good. Perfect. Well, I'll let them know to be in contact in about two weeks. Yeah. If there's a re a reason to give you a call prior, they can always try, but I'll let them know that you'll be uncontacted.\n\nWell, roughly for two weeks, and then we can do that TTR side of things for you then, make it easier on you. Okay?\n\nChannel 1: Okay. Hang on. I just clicked the link, find document.\n\nChannel 0: Yep.\n\nChannel 1: There it is.\n\nChannel 0: How's it's working\n\nChannel 1: There it\n\nChannel 0: for\n\nChannel 1: is.\n\nChannel 0: you?\n\nChannel 1: Yeah. I think that's now I think I I opened the attachment up. I didn't\n\nChannel 0: Alright. My apologies.\n\nChannel 1: didn't\n\nChannel 0: Sorry.\n\nChannel 1: I didn't didn't know if I dumped in there. My fault.\n\nChannel 0: No. No. You're fine.\n\nChannel 1: Now let's get down the bottom of it. It's slow. So here we go. Here it is. Yeah.\n\nYeah. It doesn't wanna get back up. Explorations. There we go. Signature.\n\nSign. Right. I've just signed it.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Now\n\nChannel 0: I will just refresh that. Is it saying finish or done or loading at the bottom? Is there anything sorta happening?\n\nChannel 1: just you know, this next document.\n\nChannel 0: Yep.\n\nChannel 1: Showed up with the signature on it.\n\nChannel 0: Yep.\n\nChannel 1: I\n\nChannel 0: If\n\nChannel 1: think\n\nChannel 0: you\n\nChannel 1: it\n\nChannel 0: click\n\nChannel 1: must\n\nChannel 0: on\n\nChannel 1: be\n\nChannel 0: the\n\nChannel 1: a\n\nChannel 0: sign if you click on the signature, and then it should allow you to click on the date as well.\n\nChannel 1: It did that. Yeah. I've done both of those.\n\nChannel 0: Beautiful. And\n\nChannel 1: Next\n\nChannel 0: then next\n\nChannel 1: document.\n\nChannel 0: document at the bottom there, it should take you through if there's anything else.\n\nChannel 1: Right. Okay.\n\nChannel 0: Yep. And then once you get to the bottom, it'll tell you that it's finished.\n\nChannel 1: Oh, I think it's my computer. My computer's out of no. It's not supported by Windows 10. I think it's playing up.\n\nChannel 0: Oh, okay. That's\n\nChannel 1: I\n\nChannel 0: alright.\n\nChannel 1: mean, we're not\n\nChannel 0: Did you want us to send do you have a\n\nChannel 1: no.\n\nChannel 0: printer or\n\nChannel 1: That's alright. That's all. All\n\nChannel 0: it's alright?\n\nChannel 1: come with the one. Validate\n\nChannel 0: Yep.\n\nChannel 1: and send documents.\n\nChannel 0: That's the one. That's the last\n\nChannel 1: Yep.\n\nChannel 0: section. And\n\nChannel 1: Oh, no.\n\nChannel 0: I'll\n\nChannel 1: That\n\nChannel 0: just\n\nChannel 1: should be\n\nChannel 0: refresh\n\nChannel 1: floating\n\nChannel 0: it.\n\nChannel 1: up here now.\n\nChannel 0: Just refreshing for you.\n\nChannel 1: Might be still low still loading on mine, so it might be a bit slow.\n\nChannel 0: Yeah. That's okay. That's not a problem at all. It should come through fairly easy in the next few minutes. So do\n\nChannel 1: Alright.\n\nChannel 0: you want me to wait here for it or just give you a callback if you\n\nChannel 1: Give me just give me a shout if you have any problems, you don't see it.\n\nChannel 0: will do. I'll let the team know to give you a call later if there's any issues. Thank you so much for your time today, Michael. I hope you enjoy the rest of your day.\n\nChannel 1: Yep. No worries. Yep. Alright. Should be done.\n\nChannel 0: Oh, legend.\n\nChannel 1: It's\n\nChannel 0: I'll wait\n\nChannel 1: fine.\n\nChannel 0: for it\n\nChannel 1: Bingo.\n\nChannel 0: to come through.\n\nChannel 1: Alright\n\nChannel 0: Oh,\n\nChannel 1: then.\n\nChannel 0: there it is. Just let me\n\nChannel 1: Thanks.\n\nChannel 0: know. It's all come through perfect. You did great.\n\nChannel 1: No worries. Alright then.\n\nChannel 0: Thank you. I'll talk to you soon. See you later.\n\nChannel 1: Okay. Bye. See\n\nChannel 0: Bye.\n\nChannel 1: you.","paragraphs":[{"sentences":[{"text":"I'm speaking.","start":1.5999999,"end":2.34,"sentiment":"neutral","sentiment_score":0.02288220915943384}],"sentiment":"neutral","sentiment_score":0.02288220915943384,"channel":1,"num_words":2,"start":1.5999999,"end":2.34},{"sentences":[{"text":"Hi, Michael.","start":3.04,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.11902888119220734},{"text":"It's Dana from OV Financial.","start":3.6799998,"end":5.22,"sentiment":"neutral","sentiment_score":0.1475742369890213},{"text":"How are you this afternoon?","start":5.2799997,"end":6.42,"sentiment":"neutral","sentiment_score":0.19960198998451234}],"sentiment":"neutral","sentiment_score":0.16449490810434023,"channel":0,"num_words":12,"start":3.04,"end":6.42},{"sentences":[{"text":"Yeah.","start":6.48,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.24944069981575012},{"text":"Good.","start":6.8799996,"end":7.12,"sentiment":"positive","sentiment_score":0.433056116104126},{"text":"Yourself?","start":7.12,"end":7.62,"sentiment":"neutral","sentiment_score":0.3171471953392029}],"sentiment":"neutral","sentiment_score":0.333214670419693,"channel":1,"num_words":3,"start":6.48,"end":7.62},{"sentences":[{"text":"I'm very well.","start":8.0,"end":8.8,"sentiment":"positive","sentiment_score":0.6126971443494161},{"text":"Thank you.","start":8.8,"end":9.2,"sentiment":"positive","sentiment_score":0.6784889101982117},{"text":"Thanks for asking.","start":9.2,"end":9.92,"sentiment":"positive","sentiment_score":0.6508557796478271},{"text":"I had you booked in to go through your updated statement of advice.","start":9.92,"end":12.719999,"sentiment":"neutral","sentiment_score":0.304424198774191},{"text":"Is now still a good time there for you?","start":12.719999,"end":14.74,"sentiment":"neutral","sentiment_score":0.2626182536284129}],"sentiment":"positive","sentiment_score":0.38229051530361174,"channel":0,"num_words":30,"start":8.0,"end":14.74},{"sentences":[{"text":"Yeah.","start":15.005,"end":15.245,"sentiment":"neutral","sentiment_score":0.15682154893875122},{"text":"It's fine.","start":15.245,"end":15.725,"sentiment":"neutral","sentiment_score":0.21007132530212402},{"text":"Yep.","start":15.725,"end":16.045,"sentiment":"neutral","sentiment_score":0.21114026010036469},{"text":"Get me while you can.","start":16.045,"end":17.185,"sentiment":"neutral","sentiment_score":0.2135271906852722}],"sentiment":"neutral","sentiment_score":0.20619337922996944,"channel":1,"num_words":9,"start":15.005,"end":17.185},{"sentences":[{"text":"Fantastic.","start":17.945,"end":18.445,"sentiment":"positive","sentiment_score":0.6695590019226074},{"text":"Michael, before we jump into the call, just to let you know we do record our calls for quality and training purposes.","start":19.145,"end":24.125,"sentiment":"neutral","sentiment_score":0.266720439222726},{"text":"Are you happy for us to proceed with that?","start":24.185,"end":26.445,"sentiment":"neutral","sentiment_score":0.2466351803806093}],"sentiment":"neutral","sentiment_score":0.27366016525775194,"channel":0,"num_words":32,"start":17.945,"end":26.445},{"sentences":[{"text":"Yep.","start":26.685,"end":27.005,"sentiment":"neutral","sentiment_score":0.12169903516769408},{"text":"No problems.","start":27.005,"end":27.665,"sentiment":"neutral","sentiment_score":0.24991905689239502}],"sentiment":"neutral","sentiment_score":0.20717904965082803,"channel":1,"num_words":3,"start":26.685,"end":27.665},{"sentences":[{"text":"Fantastic.","start":28.02,"end":28.52,"sentiment":"positive","sentiment_score":0.5177968740463257},{"text":"And just to do a quick security check there for you just to confirm your full name, your date of birth, and address I should have on file.","start":28.82,"end":34.76,"sentiment":"neutral","sentiment_score":0.19464674858110292}],"sentiment":"neutral","sentiment_score":0.20578985635576577,"channel":0,"num_words":29,"start":28.02,"end":34.76},{"sentences":[{"text":"Michael John Power.","start":35.46,"end":36.68,"sentiment":"neutral","sentiment_score":0.020408013214667637},{"text":"31 Circle.","start":36.899998,"end":37.879997,"sentiment":"neutral","sentiment_score":0.017474822234362364},{"text":"70","start":38.739998,"end":39.059998,"sentiment":"neutral","sentiment_score":0.022312786430120468}],"sentiment":"neutral","sentiment_score":0.019747745090474684,"channel":1,"num_words":6,"start":35.46,"end":39.059998},{"sentences":[{"text":"Yep.","start":38.98,"end":39.405,"sentiment":"neutral","sentiment_score":0.038279395550489426}],"sentiment":"neutral","sentiment_score":0.038279395550489426,"channel":0,"num_words":1,"start":38.98,"end":39.405},{"sentences":[{"text":"to the third.","start":39.059998,"end":39.78,"sentiment":"neutral","sentiment_score":0.036674030125141144},{"text":"965.","start":39.78,"end":41.0,"sentiment":"neutral","sentiment_score":0.05924119800329208}],"sentiment":"neutral","sentiment_score":0.04231582209467888,"channel":1,"num_words":4,"start":39.059998,"end":41.0},{"sentences":[{"text":"Lovely.","start":41.324997,"end":41.805,"sentiment":"positive","sentiment_score":0.4331679344177246},{"text":"Thank you so much for that.","start":41.805,"end":43.344997,"sentiment":"positive","sentiment_score":0.6125295559565226},{"text":"As part of this to kinda make it easier on you, I normally send the the documents to you via email to sort of look at it with me.","start":43.565,"end":49.964996,"sentiment":"neutral","sentiment_score":0.24685191954004354},{"text":"Are you able to look at your emails at the moment?","start":49.964996,"end":52.464996,"sentiment":"neutral","sentiment_score":0.07976963438770988}],"sentiment":"neutral","sentiment_score":0.2583939769166581,"channel":0,"num_words":47,"start":41.324997,"end":52.464996},{"sentences":[{"text":"Yeah.","start":53.595,"end":53.835,"sentiment":"neutral","sentiment_score":0.06828303635120392},{"text":"Probably can.","start":53.835,"end":54.475,"sentiment":"neutral","sentiment_score":0.08496926724910736},{"text":"Yep.","start":54.475,"end":54.975,"sentiment":"neutral","sentiment_score":0.10064765810966492}],"sentiment":"neutral","sentiment_score":0.08471730723977089,"channel":1,"num_words":4,"start":53.595,"end":54.975},{"sentences":[{"text":"Yeah.","start":55.26,"end":55.66,"sentiment":"neutral","sentiment_score":0.17387723922729492},{"text":"All good.","start":55.66,"end":56.059998,"sentiment":"neutral","sentiment_score":0.2962166965007782},{"text":"I'm just gonna press send on this one.","start":56.059998,"end":57.98,"sentiment":"neutral","sentiment_score":0.1785765178501606},{"text":"If you can pop in there real quick and open it.","start":57.98,"end":60.059998,"sentiment":"neutral","sentiment_score":0.2399691790342331},{"text":"It just makes it easy, and I'll try to run through things as quickly as possible for you there.","start":60.059998,"end":64.54,"sentiment":"neutral","sentiment_score":0.263622962330517}],"sentiment":"neutral","sentiment_score":0.24008341533381763,"channel":0,"num_words":41,"start":55.26,"end":64.54},{"sentences":[{"text":"Okay?","start":64.54,"end":65.04,"sentiment":"neutral","sentiment_score":0.08333328366279602}],"sentiment":"neutral","sentiment_score":0.08333328366279602,"channel":0,"num_words":1,"start":64.54,"end":65.04},{"sentences":[{"text":"Just bear with me for a second.","start":65.14,"end":66.42,"sentiment":"neutral","sentiment_score":0.03777375152068479},{"text":"Let me computer start up.","start":66.42,"end":67.96,"sentiment":"neutral","sentiment_score":0.03540943972766399}],"sentiment":"neutral","sentiment_score":0.03678862160692612,"channel":1,"num_words":12,"start":65.14,"end":67.96},{"sentences":[{"text":"Yeah.","start":68.165,"end":68.405,"sentiment":"neutral","sentiment_score":0.07230828702449799},{"text":"You're right.","start":68.405,"end":69.045,"sentiment":"neutral","sentiment_score":0.11148105561733246},{"text":"Not an issue.","start":69.045,"end":69.685,"sentiment":"neutral","sentiment_score":0.14373742043972015},{"text":"How's your day been so far?","start":69.685,"end":71.465,"sentiment":"neutral","sentiment_score":0.14693242063124975}],"sentiment":"neutral","sentiment_score":0.1340064319471518,"channel":0,"num_words":12,"start":68.165,"end":71.465},{"sentences":[{"text":"Not too bad.","start":72.104996,"end":72.825,"sentiment":"neutral","sentiment_score":0.08013469601670901},{"text":"My last relaxing day before I go on at work for another couple of 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recommending we retain that.","start":978.135,"end":980.075,"sentiment":"neutral","sentiment_score":-0.04073962643742561}],"sentiment":"neutral","sentiment_score":-0.04073962643742561,"channel":0,"num_words":5,"start":978.135,"end":980.075},{"sentences":[{"text":"Yep.","start":979.77,"end":980.27,"sentiment":"neutral","sentiment_score":-0.11832892894744872}],"sentiment":"neutral","sentiment_score":-0.11832892894744872,"channel":1,"num_words":1,"start":979.77,"end":980.27},{"sentences":[{"text":"To give you a bit of an idea, if we had sold down everything and moved out of the fund, it would have triggered over $11,000 in capital gains tax for your super 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pretty big chunk off your balance, which can be very difficult to get back.","start":990.89,"end":995.07,"sentiment":"negative","sentiment_score":-0.6704224228858948}],"sentiment":"negative","sentiment_score":-0.6704224228858948,"channel":0,"num_words":15,"start":990.89,"end":995.07},{"sentences":[{"text":"Oh, there's 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sorry.","start":1235.04,"end":1237.78,"sentiment":"neutral","sentiment_score":0.09256649431255129},{"text":"Fixed interest, so bonds and cash investments, term deposits, and things like that.","start":1237.8401,"end":1242.5801,"sentiment":"neutral","sentiment_score":0.07728285113206276},{"text":"You hold about 9% there at the moment.","start":1243.04,"end":1245.6201,"sentiment":"neutral","sentiment_score":0.03351409547030926},{"text":"In this balanced environment, we wanna hold a bit more of that investment, so we're gonna increase your exposure to 22% there.","start":1245.8401,"end":1252.175,"sentiment":"neutral","sentiment_score":0.13838342340155083}],"sentiment":"neutral","sentiment_score":0.09961670877064689,"channel":0,"num_words":59,"start":1232.4751,"end":1252.175},{"sentences":[{"text":"It means buying a bit more.","start":1252.175,"end":1253.635,"sentiment":"neutral","sentiment_score":0.10830973461270332},{"text":"You've got there the BetaShares cybersecurity, essentially, 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exposure to all 16 European countries, so both established and emerging markets, which is great for diversification.","start":1271.4199,"end":1278.48,"sentiment":"neutral","sentiment_score":0.26428051718643736},{"text":"You're only just overexposed at the moment.","start":1279.515,"end":1281.515,"sentiment":"neutral","sentiment_score":0.0024546153311218533},{"text":"You've got about 4.66%.","start":1281.515,"end":1283.755,"sentiment":"neutral","sentiment_score":0.04918391443789005},{"text":"We wanna hold about 4%, so it's just about selling off a very small portion of that to rebalance you back a little 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4.04%.","start":1296.49,"end":1298.99,"sentiment":"neutral","sentiment_score":0.09110778907779604},{"text":"We only wanna hold 4% of that investment, so we're just selling off about $200 of that one just to rebalance","start":1299.29,"end":1305.15,"sentiment":"neutral","sentiment_score":-0.030287470225067364}],"sentiment":"neutral","sentiment_score":0.05476500245831197,"channel":0,"num_words":42,"start":1291.29,"end":1305.15},{"sentences":[{"text":"Yeah.","start":1304.835,"end":1305.335,"sentiment":"neutral","sentiment_score":0.07945388555526733}],"sentiment":"neutral","sentiment_score":0.07945388555526733,"channel":1,"num_words":1,"start":1304.835,"end":1305.335},{"sentences":[{"text":"you back a little bit.","start":1305.2101,"end":1306.51,"sentiment":"neutral","sentiment_score":0.05151693597435951},{"text":"And 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investment, so we'll be selling a little bit of that for you to rebalance you back a little bit.","start":1318.445,"end":1324.8999,"sentiment":"neutral","sentiment_score":0.10111568040317959},{"text":"Okay?","start":1324.8999,"end":1325.3999,"sentiment":"neutral","sentiment_score":0.08918029069900513}],"sentiment":"neutral","sentiment_score":0.09467030926768122,"channel":0,"num_words":58,"start":1307.005,"end":1325.3999},{"sentences":[{"text":"Yep.","start":1325.32,"end":1325.82,"sentiment":"neutral","sentiment_score":0.15632449090480804},{"text":"Okay.","start":1326.0399,"end":1326.5399,"sentiment":"neutral","sentiment_score":0.2820573151111603}],"sentiment":"neutral","sentiment_score":0.21919090300798416,"channel":1,"num_words":2,"start":1325.32,"end":1326.5399},{"sentences":[{"text":"Excellent.","start":1326.74,"end":1327.24,"sentiment":"positive","sentiment_score":0.6163601875305176},{"text":"So just made a slight changes, and essentially means that we're lowering the CGT.","start":1327.38,"end":1332.12,"sentiment":"neutral","sentiment_score":0.29419177770614624},{"text":"It's also a low risk portfolio, but still maintaining its exposure to a diversified range of investments.","start":1332.4199,"end":1338.1649,"sentiment":"neutral","sentiment_score":0.2942105549223283},{"text":"And not","start":1338.625,"end":1339.0249,"sentiment":"neutral","sentiment_score":0.04469871148467064}],"sentiment":"neutral","sentiment_score":0.28900064506074963,"channel":0,"num_words":34,"start":1326.74,"end":1339.0249},{"sentences":[{"text":"Yep.","start":1338.925,"end":1339.425,"sentiment":"neutral","sentiment_score":0.058346688747406006}],"sentiment":"neutral","sentiment_score":0.058346688747406006,"channel":1,"num_words":1,"start":1338.925,"end":1339.425},{"sentences":[{"text":"everyone's that interested in all of those, but do you have any questions so far?","start":1339.0249,"end":1342.965,"sentiment":"neutral","sentiment_score":0.044608251502116524}],"sentiment":"neutral","sentiment_score":0.044608251502116524,"channel":0,"num_words":15,"start":1339.0249,"end":1342.965},{"sentences":[{"text":"Not really.","start":1344.1901,"end":1344.75,"sentiment":"neutral","sentiment_score":-0.10196255892515182},{"text":"No.","start":1344.75,"end":1345.25,"sentiment":"neutral","sentiment_score":-0.10384468734264374}],"sentiment":"neutral","sentiment_score":-0.1025899350643158,"channel":1,"num_words":3,"start":1344.1901,"end":1345.25},{"sentences":[{"text":"No?","start":1345.6649,"end":1346.065,"sentiment":"neutral","sentiment_score":-0.0901949554681778}],"sentiment":"neutral","sentiment_score":-0.0901949554681778,"channel":0,"num_words":1,"start":1345.6649,"end":1346.065},{"sentences":[{"text":"I'm I'm","start":1345.79,"end":1346.35,"sentiment":"neutral","sentiment_score":-0.08894338458776474}],"sentiment":"neutral","sentiment_score":-0.08894338458776474,"channel":1,"num_words":2,"start":1345.79,"end":1346.35},{"sentences":[{"text":"That's","start":1346.065,"end":1346.385,"sentiment":"neutral","sentiment_score":-0.06356294453144073}],"sentiment":"neutral","sentiment_score":-0.06356294453144073,"channel":0,"num_words":1,"start":1346.065,"end":1346.385},{"sentences":[{"text":"I'm","start":1346.35,"end":1346.51,"sentiment":"neutral","sentiment_score":-0.06974971294403076}],"sentiment":"neutral","sentiment_score":-0.06974971294403076,"channel":1,"num_words":1,"start":1346.35,"end":1346.51},{"sentences":[{"text":"okay.","start":1346.385,"end":1346.885,"sentiment":"neutral","sentiment_score":-0.053400274366140366}],"sentiment":"neutral","sentiment_score":-0.053400274366140366,"channel":0,"num_words":1,"start":1346.385,"end":1346.885},{"sentences":[{"text":"fussing you with it.","start":1346.51,"end":1347.47,"sentiment":"neutral","sentiment_score":-0.10539446026086807},{"text":"Sorry.","start":1347.47,"end":1347.97,"sentiment":"neutral","sentiment_score":0.08145013451576233}],"sentiment":"neutral","sentiment_score":-0.06802554130554199,"channel":1,"num_words":5,"start":1346.51,"end":1347.97},{"sentences":[{"text":"Excellent.","start":1349.1849,"end":1349.6849,"sentiment":"positive","sentiment_score":0.48924487829208374},{"text":"All good.","start":1349.825,"end":1350.645,"sentiment":"positive","sentiment_score":0.5194061249494553},{"text":"Now one of the other things that we do look at, that you wanted me to look at as well was the Mica Metals.","start":1350.7999,"end":1356.26,"sentiment":"neutral","sentiment_score":0.10981075527767341},{"text":"You wanted me to have a look to see if it was worth adding any of this into your super.","start":1356.7999,"end":1361.0599,"sentiment":"neutral","sentiment_score":0.1272546123713255},{"text":"I did have a look at it, and I did sort of go to portfolio.","start":1361.36,"end":1368.3251,"sentiment":"neutral","sentiment_score":0.065773190309604}],"sentiment":"neutral","sentiment_score":0.1241162154342859,"channel":0,"num_words":62,"start":1349.1849,"end":1368.3251},{"sentences":[{"text":"And that is essentially because of based on our analysis and the research we were able to look at, it is a very volatile asset.","start":1368.785,"end":1377.8251,"sentiment":"neutral","sentiment_score":-0.01662214070558548},{"text":"So it goes up and down in,","start":1377.8251,"end":1380.15,"sentiment":"neutral","sentiment_score":-0.06331133363502366}],"sentiment":"neutral","sentiment_score":-0.026835401658900082,"channel":0,"num_words":32,"start":1368.785,"end":1380.15},{"sentences":[{"text":"The 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drastically.","start":1382.4701,"end":1388.5701,"sentiment":"neutral","sentiment_score":-0.13404757855460048}],"sentiment":"neutral","sentiment_score":-0.13277336139054524,"channel":0,"num_words":21,"start":1380.4701,"end":1388.5701},{"sentences":[{"text":"Yep.","start":1388.955,"end":1389.455,"sentiment":"neutral","sentiment_score":0.024765988811850548}],"sentiment":"neutral","sentiment_score":0.024765988811850548,"channel":1,"num_words":1,"start":1388.955,"end":1389.455},{"sentences":[{"text":"So, essentially, we assess the risk level as being too high for your super based on your risk capacity, your tolerance.","start":1389.1101,"end":1395.605,"sentiment":"neutral","sentiment_score":-0.06848406195197076},{"text":"However, if you wanted to look at investing in in your own name outside of super, it is something you could definitely look at.","start":1396.225,"end":1401.8251,"sentiment":"neutral","sentiment_score":0.1116776845107476},{"text":"I'm more than happy to provide you with the 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retirement.","start":1405.105,"end":1410.56,"sentiment":"neutral","sentiment_score":0.14010191129313576}],"sentiment":"neutral","sentiment_score":0.14010191129313576,"channel":0,"num_words":18,"start":1405.105,"end":1410.56},{"sentences":[{"text":"Yeah.","start":1410.2051,"end":1410.7051,"sentiment":"neutral","sentiment_score":0.008148470893502235}],"sentiment":"neutral","sentiment_score":0.008148470893502235,"channel":1,"num_words":1,"start":1410.2051,"end":1410.7051},{"sentences":[{"text":"We don't wanna do anything that's gonna put too much risk on your super.","start":1410.62,"end":1414.24,"sentiment":"neutral","sentiment_score":-0.3073840066790581},{"text":"We want you to get to retirement and enjoy your retirement years, not be having to make money back because of a large drop because of a certain portfolio 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the next page, if you scroll down, you'll see your cash investment there.","start":1444.6599,"end":1448.1799,"sentiment":"neutral","sentiment_score":0.08695088672850813},{"text":"Now within Netwealth, we wanna hold about 2% cash.","start":1448.1799,"end":1450.935,"sentiment":"neutral","sentiment_score":0.016620172187685966},{"text":"At the moment, you've got about a bit of a 4% there.","start":1451.015,"end":1453.895,"sentiment":"neutral","sentiment_score":-0.01112131510550777},{"text":"So, realistically, you've got too much cash sitting there.","start":1453.895,"end":1456.8551,"sentiment":"neutral","sentiment_score":-0.10083590013285477}],"sentiment":"neutral","sentiment_score":0.016943168267607688,"channel":0,"num_words":45,"start":1442.82,"end":1456.8551},{"sentences":[{"text":"We're just gonna reinvest about 9,000 of that and make sure that you don't hold any more cash than what you need to within your portfolio.","start":1456.8551,"end":1463.5951,"sentiment":"neutral","sentiment_score":-0.053445349662349775},{"text":"Okay?","start":1464.055,"end":1464.555,"sentiment":"neutral","sentiment_score":0.02397311106324196}],"sentiment":"neutral","sentiment_score":-0.05057799926510564,"channel":0,"num_words":27,"start":1456.8551,"end":1464.555},{"sentences":[{"text":"I can.","start":1464.3301,"end":1464.73,"sentiment":"neutral","sentiment_score":0.05917641147971153},{"text":"Yep.","start":1464.73,"end":1465.05,"sentiment":"neutral","sentiment_score":0.05473525449633598},{"text":"Yep.","start":1465.05,"end":1465.55,"sentiment":"neutral","sentiment_score":0.07051518559455872},{"text":"No worries.","start":1465.6901,"end":1466.35,"sentiment":"neutral","sentiment_score":0.11984426528215408}],"sentiment":"neutral","sentiment_score":0.08054863226910432,"channel":1,"num_words":6,"start":1464.3301,"end":1466.35},{"sentences":[{"text":"Excellent.","start":1466.61,"end":1467.11,"sentiment":"positive","sentiment_score":0.4281575083732605},{"text":"Beautiful.","start":1467.4099,"end":1467.9099,"sentiment":"positive","sentiment_score":0.44064462184906006},{"text":"If you can scroll down to the next page for me, the next one down has the proposed asset 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there.","start":1487.045,"end":1490.88,"sentiment":"neutral","sentiment_score":0.08013386139646173},{"text":"So the existing, when you look at the growth assets, it's it shows it's the bold column.","start":1490.96,"end":1496.34,"sentiment":"neutral","sentiment_score":0.10020492620327894},{"text":"You'll see 87.72%.","start":1496.56,"end":1498.96,"sentiment":"neutral","sentiment_score":0.11413168907165527}],"sentiment":"neutral","sentiment_score":0.09968758335239009,"channel":0,"num_words":57,"start":1478.405,"end":1498.96},{"sentences":[{"text":"So at the moment, you're sitting in more of that growth profile.","start":1498.96,"end":1501.78,"sentiment":"neutral","sentiment_score":0.14564494912823042},{"text":"By making these slight changes to your super, we're essentially reducing your growth assets down to about 76%, which is a positive for 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last couple of pages are just about making sure that you do speak to us, Melissa, that have a will and power of attorneys drawn up and things like that.","start":2269.165,"end":2276.3052,"sentiment":"neutral","sentiment_score":0.09468992763469296},{"text":"And","start":2276.685,"end":2276.845,"sentiment":"neutral","sentiment_score":0.09625063091516496}],"sentiment":"neutral","sentiment_score":0.09473869961220771,"channel":0,"num_words":32,"start":2269.165,"end":2276.845},{"sentences":[{"text":"Yep.","start":2276.755,"end":2277.255,"sentiment":"neutral","sentiment_score":0.08966498076915741}],"sentiment":"neutral","sentiment_score":0.08966498076915741,"channel":1,"num_words":1,"start":2276.755,"end":2277.255},{"sentences":[{"text":"when it comes to opening up the the pension accounts, we'll make sure that your beneficiaries are also nominated on file there to make sure that that is all 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can be a lot, and you're welcome to definitely go back and have a good read Let me know if you do happen to have any questions prior to, you know, you decided to take any of the advice there.","start":2289.78,"end":2298.9548,"sentiment":"neutral","sentiment_score":0.3172966341783361},{"text":"But do you happen to have any questions at the moment?","start":2298.9548,"end":2301.275,"sentiment":"neutral","sentiment_score":0.033129334788430824},{"text":"Has anything kinda come up in the course of our conversation with regard to that?","start":2301.275,"end":2306.015,"sentiment":"neutral","sentiment_score":0.01638051259020964}],"sentiment":"neutral","sentiment_score":0.20775402197614312,"channel":0,"num_words":68,"start":2288.6602,"end":2306.015},{"sentences":[{"text":"No.","start":2306.36,"end":2306.6,"sentiment":"neutral","sentiment_score":-0.2781946659088135},{"text":"Not really.","start":2306.6,"end":2307.0,"sentiment":"negative","sentiment_score":-0.34943610429763794},{"text":"I don't 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a call with Michael, Dana from LPG Financial guides him through accessing his updated statement of advice and retirement strategy. They discuss retirement plans, estate planning, and reducing risk levels to increase exposure to the top 200 companies on the American market. The speaker emphasizes the importance of reducing risk levels and staying within a portfolio to protect the customer's investment. They also explain the retirement strategy, including reducing income tax and increasing take home pay, and offer to call the customer if they have any issues. The customer is advised to sign a retirement agreement and electronically sign the document."},"intents":{"segments":[{"text":"I had you booked in to go through your updated statement of advice. Is now still a good time there for you? Yeah. It's fine. Yep. Get me while you can. Fantastic. Michael, 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 us to proceed with that? Yep. No problems.","start_word":25,"end_word":90,"intents":[{"intent":"Resolve issue","confidence_score":0.002919107}]},{"text":"I've got some recommendations in here about reducing your risk because we did talk about as you are closer to your time, it's starting to reduce that risk profile a little bit. But we also talked about looking at that transition to your time and strategy where you can increase your contributions into super, but then to because increasing contributions in the super means to Yes.","start_word":352,"end_word":417,"intents":[{"intent":"Manage super contributions to time","confidence_score":8.0569285e-9}]},{"text":"So it should say statement of advice prepared for Michael Powell with the on the date, sorry, the 08/31/2026. And on the bottom of that front page, you'll have prepared for myself, Dana Taylor, and my lovely team here at Oakview Financial. And my license on the bottom there should be 1304394. 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Are there any major changes to any of that section that we need to maybe update? No.","start_word":2019,"end_word":2061,"intents":[{"intent":"Schedule information","confidence_score":0.0000034243183}]},{"text":"Now these could have changed a bit since we last called up there, but are there any major changes you would like us to make in the back end for you in relation to this section at all?","start_word":2083,"end_word":2120,"intents":[{"intent":"Make changes","confidence_score":0.04410559}]},{"text":"If you can get on the page number 14 for me, the heading there should be strategy recommendations. Okay. Yep. Yep. Beautiful. I'm gonna switch to a couple of pages. This is sort of touching the points that we need to, but then you're welcome to take it back and read it before you decide to take on any of the advice. Okay? Yep.","start_word":2239,"end_word":2302,"intents":[{"intent":"Review recommendations","confidence_score":0.034953494}]},{"text":"I am recommending that we do retain Netwealth there.","start_word":2348,"end_word":2356,"intents":[{"intent":"Retain netwealth","confidence_score":0.3028219}]},{"text":"Essentially, one of the things we look at when we do look at whether switching a fund is appropriate or not is the capital gains consequences. So just like you, your super fund does a tax return every year. They pay income tax, and they pay capital gains tax there as well. So, Yep.","start_word":2397,"end_word":2450,"intents":[{"intent":"Address capital gains consequences","confidence_score":0.008555481}]},{"text":"I am gonna switch your underlying investments, which actually had a much lower CDT consequence, and I'll show you that in a moment as well. You'll Yep.","start_word":2571,"end_word":2597,"intents":[{"intent":"Releasing cdt consequence","confidence_score":0.000092929884}]},{"text":"be able to keep your contributions going in at the current rate, and I'll go through a bit more detail around the rest of the strategies there. So right now, it's just retaining Netwealth, continuing to put your contributions in as you have been, and we'll put the investments out for you. Yep.","start_word":2598,"end_word":2650,"intents":[{"intent":"Keeping investments","confidence_score":0.04264533},{"intent":"Keeping contributions","confidence_score":0.019058013}]},{"text":"If you can move down for me, just the page number 20, the heading on this one is recommended investments superannuation. You'll see a table, and it's got lots of different investments noted in the table. Yeah. Yep.","start_word":2652,"end_word":2689,"intents":[{"intent":"Moving down to recommended investments","confidence_score":0.07910357},{"intent":"Moving down to recommended investments","confidence_score":0.21784925}]},{"text":"Now this is essentially showing you what we're looking to do within the portfolio. So at the moment, you're in that growth environment, which as we kinda went through last time, sees 80% in those growth assets. So things like Australian shares, international shares, listed property, and commodities like gold and silver. When you Yep. are closer to accessing super like you are, it's important to start considering reducing your risk level significantly.","start_word":2699,"end_word":2771,"intents":[{"intent":"Optimizing portfolio access","confidence_score":0.0004018107}]},{"text":"Essentially, we talked about reducing your risk level and moving from that growth environment to a more balanced environment, which reduces your growth in the investment allocation from 80% to 60% essentially or as close to 60% as possible.","start_word":2773,"end_word":2811,"intents":[{"intent":"Reduce risk level","confidence_score":0.71876484}]},{"text":"So the idea is to protect the super you have. You still wanna get growth and income out of that at a more stable level and without taking too much risk because you are closer to accessing super. One Yep.","start_word":2858,"end_word":2897,"intents":[{"intent":"Maintain portfolio stability","confidence_score":0.04549502}]},{"text":"what we wanna do with your portfolio is, at the moment, you've got some physical gold in there. One of your things is that you wanted to increase your exposure into physical gold, and absolutely fine to do so. You have about 8.27% there at the moment.","start_word":3035,"end_word":3081,"intents":[{"intent":"Increase exposure to gold","confidence_score":0.060098715}]},{"text":"We only wanna hold 4% of that investment, so we're just selling off about $200 of that one just to rebalance Yeah.","start_word":3473,"end_word":3494,"intents":[{"intent":"Review investments","confidence_score":0.00015834677}]},{"text":"We're just gonna reinvest about 9,000 of that and make sure that you don't hold any more cash than what you need to within your portfolio. Okay?","start_word":3996,"end_word":4022,"intents":[{"intent":"Reinvest cash","confidence_score":0.11718975}]},{"text":"By making these slight changes to your super, we're essentially reducing your growth assets down to about 76%, which is a positive for you. Okay? Yep.","start_word":4121,"end_word":4146,"intents":[{"intent":"Reduce growth assets","confidence_score":0.113573134}]},{"text":"increasing those defensive assets. They're more lower risk, and we're increasing them to 24% with this new portfolio for you. Okay. Okay?","start_word":4177,"end_word":4198,"intents":[{"intent":"Educate about portfolio features","confidence_score":0.003423012}]},{"text":"It's about a $127.34 per week, and that replenishes your income, essentially.","start_word":4530,"end_word":4541,"intents":[{"intent":"Refresh income and minimize costs","confidence_score":0.000007900283}]},{"text":"Well, the main thing is that it's keeping your take home pay basically the same. So because Alright.","start_word":4668,"end_word":4685,"intents":[{"intent":"Keep expenses","confidence_score":0.00087303575}]},{"text":"If you go down for me to the next page to page 25, I can show you in numbers essentially how this looks for you.","start_word":4815,"end_word":4839,"intents":[{"intent":"Provide information","confidence_score":0.06698932}]},{"text":"In the proposed, we're recommending $200 per week, so 10,400 over the course of the year.","start_word":4889,"end_word":4904,"intents":[{"intent":"Recommend $200 per week","confidence_score":0.48329553}]},{"text":"That No. reduces your taxable income down to a 149,600. So because the salary sacrifice is deducted from your income pretax, it Yep. reduces your total taxable income. Then you're paying income tax. So in your current position, paying roughly 43,470 on income tax each year. By increasing salary sacrifice, you're reducing the income tax to $39,415. So Yeah.","start_word":4904,"end_word":4962,"intents":[{"intent":"Emphasize pay reduction","confidence_score":0.000030377769}]},{"text":"reduces your taxable income down to a 149,600. So because the salary sacrifice is deducted from your income pretax, it Yep. reduces your total taxable income. Then you're paying income tax. So in your current position, paying roughly 43,470 on income tax each year. By increasing salary sacrifice, you're reducing the income tax to $39,415. So Yeah.","start_word":4906,"end_word":4962,"intents":[{"intent":"Explain savings in income tax","confidence_score":0.00289217}]},{"text":"By increasing salary sacrifice, you're reducing the income tax to $39,415. So Yeah.","start_word":4950,"end_word":4962,"intents":[{"intent":"Recommend increasing salary sacrifice","confidence_score":0.005968076}]},{"text":"giving you essentially a reduction in income tax, which is a benefit. You pay less income tax.","start_word":4965,"end_word":4981,"intents":[{"intent":"Specify benefit reduction","confidence_score":0.000026409645}]},{"text":"So when you think about your current scenario, current income minus the income tax payable, it means that your take home pay is actually about a 116,530. Under Yep.","start_word":4990,"end_word":5018,"intents":[{"intent":"Explain current situation","confidence_score":0.017132334}]},{"text":"the proposed, we start with a 160. We increase the contributions to super. We're then lowering the income tax, but it also means that the take home pay is reduced to about a Yep. 110,000 as well.","start_word":5019,"end_word":5055,"intents":[{"intent":"Negotiate pay increase with super","confidence_score":9.50698e-10}]},{"text":"the proposed, we start with a 160. We increase the contributions to super. We're then lowering the income tax, but it also means that the take home pay is reduced to about a Yep. 110,000 as well. So in Yep.","start_word":5019,"end_word":5058,"intents":[{"intent":"Describe benefits of super system","confidence_score":0.021608803}]},{"text":"Under Okay. the transition time and strategy, we're only able to access on this financial year up to 10%. So we're not able to access the full balance in under pension until you retire.","start_word":5200,"end_word":5233,"intents":[{"intent":"Show financial balance","confidence_score":0.000059377777}]},{"text":"And, essentially, we reevaluate that strategy every year, and we can keep rolling in and out and updating the figures on a regular basis. Okay.","start_word":5358,"end_word":5382,"intents":[{"intent":"Evaluate strategy","confidence_score":0.073531486}]},{"text":"we can also save not a great deal. It's about a dollar, but the newer investment portfolio is actually cheaper by about a dollar a year for you. So Okay.","start_word":5769,"end_word":5798,"intents":[{"intent":"Calculate savings","confidence_score":0.062282972}]},{"text":"And in four years, you could end up with a bit of a 550,000 there. So you're taking advantage of the market and sort of helping to provide a greater benefit to your super long term there as well. Alright?","start_word":5995,"end_word":6034,"intents":[{"intent":"Analyze super long-term benefit","confidence_score":0.0008799752}]},{"text":"It looks like it can definitely put you in a really good position, and adding more money to super now, giving you that last little boost over the next couple of years towards you wanting to stop working and fully retire, means that we can take advantage of the market and lowering your risk level as well to put some protections in in place for your capital Yep.","start_word":6308,"end_word":6375,"intents":[{"intent":"Decrease risk","confidence_score":0.005722507}]},{"text":"The last couple of pages are just about making sure that you do speak to us, Melissa, that have a will and power of attorneys drawn up and things like that. And Yep. when it comes to opening up the the pension accounts, we'll make sure that your beneficiaries are also nominated on file there to make sure that that is all covered. Okay? Yep.","start_word":6384,"end_word":6448,"intents":[{"intent":"Provide information","confidence_score":0.012419659},{"intent":"Assist with pension account setup","confidence_score":0.00027305927}]},{"text":"They would transfer the money into the pension account, leaving that 233 behind in the super account there. I Yep.","start_word":6673,"end_word":6692,"intents":[{"intent":"Set up pension payment and align salary with income","confidence_score":0.000051711708}]},{"text":"It will help you to electronically sign the document and then date it, and then it will just once you've pressed finish, it'll come directly back to us, and we'll start to implement it.","start_word":7058,"end_word":7091,"intents":[{"intent":"Implement document","confidence_score":0.052701656}]},{"text":"If you feel like you wanna take some time to read through it first before taking the recommendations, you don't have to sign it now. You can take it back, have a read through it, and then sign it Okay.","start_word":7091,"end_word":7130,"intents":[{"intent":"Take time","confidence_score":0.0057140887}]},{"text":"If I you're mean on the signature page, is there a button that says sign like, it should have a no. little with your No.","start_word":7155,"end_word":7179,"intents":[{"intent":"Add button","confidence_score":0.4130933}]},{"text":"Did you want me to get one of my team to give you a call a bit later just to check how you're going if we don't see it come back or just a couple of days?","start_word":7249,"end_word":7285,"intents":[{"intent":"Have team","confidence_score":0.000026889464}]},{"text":"What would you sort of prefer for a check-in?","start_word":7286,"end_word":7294,"intents":[{"intent":"Check-in","confidence_score":0.26444298},{"intent":"Prefer check-in","confidence_score":0.0029742296}]},{"text":"What can I mean preview the course and error with the following?","start_word":7372,"end_word":7383,"intents":[{"intent":"Preview course","confidence_score":0.28873911}]},{"text":"Let me maybe give me a callback later on this afternoon or Yep. something.","start_word":7466,"end_word":7479,"intents":[{"intent":"Request a callback","confidence_score":0.005722044},{"intent":"Give a call","confidence_score":0.001817206}]},{"text":"The other thing I just wanna check on, so you'll be uncontactable for a period of time. If we do the investment switch, it can take generally about a week to have the investment switch completed. Then we normally go through and set up the TTR side of things, and my team will have to give you a call just to to find out your bank information for that.","start_word":7545,"end_word":7613,"intents":[{"intent":"Disclose uncontactability","confidence_score":0.00023040046}]},{"text":"Then we normally go through and set up the TTR side of things, and my team will have to give you a call just to to find out your bank information for that.","start_word":7581,"end_word":7613,"intents":[{"intent":"Set up tr","confidence_score":0.27253246}]},{"text":"Well, I'll let them know to be in contact in about two weeks. Yeah.","start_word":7733,"end_word":7746,"intents":[{"intent":"Inform about contact","confidence_score":0.013659951}]},{"text":"Now I will just refresh that. Is it saying finish or done or loading at the bottom? Is there anything sorta happening?","start_word":7891,"end_word":7912,"intents":[{"intent":"Check status","confidence_score":0.0074857883}]}]},"sentiments":{"segments":[{"text":"I'm speaking. Hi, Michael. It's Dana from OV Financial. How are you this afternoon? Yeah.","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.1385972648859024},{"text":"Good.","start_word":15,"end_word":15,"sentiment":"positive","sentiment_score":0.433056116104126},{"text":"Yourself?","start_word":16,"end_word":16,"sentiment":"neutral","sentiment_score":0.3171471953392029},{"text":"I'm very well. Thank you. Thanks for asking.","start_word":17,"end_word":24,"sentiment":"positive","sentiment_score":0.6302546262741089},{"text":"I had you booked in to go through your updated statement of advice. Is now still a good time there for you? Yeah. It's fine. Yep. Get me while you can.","start_word":25,"end_word":55,"sentiment":"neutral","sentiment_score":0.2556729018688202},{"text":"Fantastic.","start_word":56,"end_word":56,"sentiment":"positive","sentiment_score":0.6695590019226074},{"text":"Michael, 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 us to proceed with that? Yep. No problems.","start_word":57,"end_word":90,"sentiment":"neutral","sentiment_score":0.25085240602493286},{"text":"Fantastic.","start_word":91,"end_word":91,"sentiment":"positive","sentiment_score":0.5177968740463257},{"text":"And just to do a quick security check there for you just to confirm your full name, your date of birth, and address I should have on file. Michael John Power. 31 Circle. 70 Yep. to the third. 965.","start_word":92,"end_word":130,"sentiment":"neutral","sentiment_score":0.13541091978549957},{"text":"Lovely. Thank you so much for that.","start_word":131,"end_word":137,"sentiment":"positive","sentiment_score":0.5695004463195801},{"text":"As part of this to kinda make it easier on you, I normally send the the documents to you via email to sort of look at it with me. Are you able to look at your emails at the moment? Yeah. Probably can. Yep. Yeah. All good. I'm just gonna press send on this one. If you can pop in there real quick and open it. It just makes it easy, and I'll try to run through things as quickly as possible for you there. Okay? Just bear with me for a second. Let me computer start up. Yeah. You're right. Not an issue. How's your day been so far? Not too bad. My last relaxing day before I go on at work for another couple of weeks. Oh, wow. Is there a lot of chores to do at home? Oh, yeah. Sort of. Yeah. Yeah. Couple Yep. of things I've numbered. Yeah. It's all good. Yeah. No. All good. I'm not There still we starting. go. It's a bit slow to start up, I think. Yeah. That's okay. How's the how's it all looking? Are we looking like we're gonna start and climb up and get our money back? Or Yeah. Yeah. Well, look, honestly, it's not looking too bad at all. I've got some recommendations in here about reducing your risk because we did talk about as you are closer to your time, it's starting to reduce that risk profile a little bit. But we also talked about looking at that transition to your time and strategy where you can increase your contributions into super, but then to because increasing contributions in the super means to Yes. take home pay is reduced, we can also just draw a little bit out to kinda replenish Punisher your income a income little bit. a little So bit. I've So I've I've got I've that got here that for here you for to you go to through. go through. Oops. Sorry. My computer's okay. Oh, that's okay. You're fine. I probably missed the last five to thirty seconds of that. No. You're right. So the main sort of thing to go through with regard to the strategy is sorry. We're looking at that transition to new retirement sort of strategy where we could increase your contributions into super and also just draw a little bit out to replenish your income. So this sort of strategy allows you to make more contributions into the super system, save Yep. a little bit on income tax, but also draw a little bit out so your take home pay remains relatively the same, which makes it a a good strategy all around and helps to boost your super for the last couple of years before your retirement. Okay. Alright. Yep. Yeah. Alright. Now I'm nearly opened. That's okay. You're fine. What? What the damn word? You're all good. It's under the mick underscore power, didn't you? That's the one. Yeah. It should come through from Dana at Oak View Oh, Financial yeah. There it is. or from Yep. Odoo. Yeah.","start_word":138,"end_word":652,"sentiment":"neutral","sentiment_score":0.1210687450124222},{"text":"Perfect. Excellent.","start_word":653,"end_word":654,"sentiment":"positive","sentiment_score":0.5270019769668579},{"text":"On the front page, so when you click the button that says sign here, it'll show you the statement of advice with your name on the front. It'll have the date today's date, the 08/31/2026 there as well. That's okay. Downloading the one with the diet on it, the one with the icon first? That's the one. Yeah. So it should say statement of advice prepared for Michael Powell with the on the date, sorry, the 08/31/2026. And on the bottom of that front page, you'll have prepared for myself, Dana Taylor, and my lovely team here at Oakview Financial. And my license on the bottom there should be 1304394. Okay. What is the black screen at the moment? Nothing. No. You're right. It's still loading. Hey. Yeah. It looks alright. Crazy.","start_word":655,"end_word":786,"sentiment":"neutral","sentiment_score":0.0976062353813287},{"text":"That's okay. Love technology when it wants to work for us.","start_word":787,"end_word":797,"sentiment":"positive","sentiment_score":0.422637403011322},{"text":"Oh, no.","start_word":798,"end_word":799,"sentiment":"neutral","sentiment_score":-0.2397502958774567},{"text":"I don't trust this new high speed broadband stuff.","start_word":800,"end_word":808,"sentiment":"negative","sentiment_score":-0.4408613443374634},{"text":"They got it. They don't seem to Doesn't work work there as sometimes. well? No. Please try again. I've got a little bit more of a signature a signature request, but that's about all we got at the moment. No. That's okay. That's the button that you have pressed to move forward. Just give it a time. It should be it might just need a little bit more time.","start_word":809,"end_word":877,"sentiment":"neutral","sentiment_score":-0.0791601613163948},{"text":"It's all good.","start_word":878,"end_word":880,"sentiment":"positive","sentiment_score":0.3869316577911377},{"text":"Oh, hang on. I'm not going to the other computer on the side. It's a bit closer Yep. to the router. It might it might be a bit quicker. That's Hang okay. on a sec. No worries. Bear with me. I'm nearly there. That's okay. You're absolutely fine. Come on, Microsoft. Open up. Please wait a moment. Alright. Why isn't downloading on this one? Can you maybe send that to me again? Yeah. Absolutely. I'll just press resend on that for you. There you go. Still coming. Alright. That one is opened up. It did do it? Yep. It's opened Oh, up.","start_word":881,"end_word":982,"sentiment":"neutral","sentiment_score":0.02303619123995304},{"text":"beautiful.","start_word":983,"end_word":983,"sentiment":"positive","sentiment_score":0.4117621183395386},{"text":"Alright. That's the what do we got here? The statement of advice. That's that's the one. Yeah. So that's the document that we'll look at there. So on the front there, you'll see your name, the date there, and at the bottom of that, my license number. So as a full licensed adviser, we are registered with, ASIC, and my registration number is 1304394. Okay?","start_word":984,"end_word":1048,"sentiment":"neutral","sentiment_score":0.08549054563045502},{"text":"Yep. Perfect.","start_word":1049,"end_word":1050,"sentiment":"positive","sentiment_score":0.4829012453556061},{"text":"Now I'll run through the recommendations with you here on the points that we need to touch on just to kinda give you the information. You're welcome to ask me any questions you need as we are running through things, and then I'll let you go back. So you're welcome to read you the document prior to taking on any of the advice. Okay?","start_word":1051,"end_word":1114,"sentiment":"neutral","sentiment_score":0.232161745429039},{"text":"I'm tired.","start_word":1115,"end_word":1116,"sentiment":"negative","sentiment_score":-0.33820077776908875},{"text":"Yep.","start_word":1117,"end_word":1117,"sentiment":"neutral","sentiment_score":0.05899157375097275},{"text":"Excellent.","start_word":1118,"end_word":1118,"sentiment":"positive","sentiment_score":0.4124463200569153},{"text":"If you can scroll down to page number three and onwards there for me, this is showing you the areas that the advice is scoped in and out. So we're looking at the area of superannuation with this one. One of the things that we're looking at is that you were hoping to retire at around about age 63 to 65 with the intention of drawing about $500 per week from your super throughout retirement. Obviously, when you get to retirement, we'll fully reassess what you want to live on and what you wanna draw down on a weekly basis. This is just giving us a bit of a guide for what we're sort of tracking for currently. Okay? Yep.","start_word":1119,"end_word":1238,"sentiment":"neutral","sentiment_score":0.15194641053676605},{"text":"Excellent.","start_word":1239,"end_word":1239,"sentiment":"positive","sentiment_score":0.5458725094795227},{"text":"You also wanted to look into increasing some gold exposure within your investment portfolio, and you had asked me to look at the Meeken Metals Limited to see if that was something that you were worth investing in within your super there as well. Does that still Yep. ring a bell or yep. Yep.","start_word":1240,"end_word":1293,"sentiment":"neutral","sentiment_score":0.1752353012561798},{"text":"Excellent.","start_word":1294,"end_word":1294,"sentiment":"positive","sentiment_score":0.365160197019577},{"text":"Yep. Yep.","start_word":1295,"end_word":1296,"sentiment":"neutral","sentiment_score":0.2349861115217209},{"text":"Excellent.","start_word":1297,"end_word":1297,"sentiment":"positive","sentiment_score":0.3963433504104614},{"text":"On the next page, we've also looked at the estate planning side of things. So you wanted to make sure that if anything did happen, that your beneficiaries are nominated to have everything paid to Jody and that you also wanted to make sure you guys do have a will and power of attorney in place. With the recommendation side of things, we just recommend that you do speak to a solicitor to have a will and power of attorney drawn up, but we do factor that into the advice to make sure that you're able to seek those services. If Yep. you did need us to, we can refer you through to us listed up for the drawing up of any wills, power of attorneys, and things like that. Okay? Yep. No worries.","start_word":1298,"end_word":1431,"sentiment":"neutral","sentiment_score":0.12436845943109312},{"text":"Excellent.","start_word":1432,"end_word":1432,"sentiment":"positive","sentiment_score":0.6916794776916504},{"text":"Yep. Because you are a bit closer to the retirement years, I've spoken to a limited basis on the next page on page five there. The retirement aspect. This is just sort of looking at based on the current recommendations, what you're I sort cannot of tracking for which page by is drawing that? I down which five. page Sorry. oh, you can't see any page Oh, it's on the bottom of the page. My apologies. numbers. No. It isn't. It's not No. It's not showing up at all. I got risk risk profile, Yep. important relationship information. You're a little bit further along than me, but that's Okay. absolutely Well, I don't okay. know. What Yeah. If am you I? scroll back a little bit towards the front of the page, one of the headings, it should say scope of advice limited scope. Table of contents. Keep going down. Next page is risk risk profile. That's really bizarre. It's like rearrange the pages. That's not normal. Oh, You know, important relationships. that's Where are we? What what what's the heading of the one we're looking for? this one here is scoped in or scope of advice limited scope.","start_word":1433,"end_word":1631,"sentiment":"neutral","sentiment_score":-0.05157268047332764},{"text":"That's really bizarre.","start_word":1632,"end_word":1634,"sentiment":"negative","sentiment_score":-0.3490917384624481},{"text":"Definitely, it's changed the pages around a little bit. That should not have happened. That that's not even in there. That there's nothing that says scope. I wonder what's missing. I thought I opened the wrong one. Interesting. No. Let me That go back should one. be Statement advice. yep. So SLA appendix is the one I've just opened. No. So the other one you want is the statement of advice. The Statement appendices, advice. it is a much Hold smaller. on. It's just got the research component in it. Yeah. Oh, That's I know. Alright. okay. Here we go. Okay. Yep.","start_word":1635,"end_word":1736,"sentiment":"neutral","sentiment_score":-0.08143972364418647},{"text":"Best interest duty. That's the one.","start_word":1737,"end_word":1742,"sentiment":"positive","sentiment_score":0.4518907070159912},{"text":"And then you've Table got your table of content. contents, Yep. and then you've got your scoping considerations. I'm on that one Yep. now. Yep.","start_word":1743,"end_word":1767,"sentiment":"neutral","sentiment_score":0.11017271131277084},{"text":"Perfect. So that's where we're scoping in essentially looking at superannuation with your goal there.","start_word":1768,"end_word":1782,"sentiment":"positive","sentiment_score":0.3704001903533935},{"text":"The next page, if you keep going down, is where we're looking at estate planning for you as we just went through there. And Yep. then the next page, you've got the limited scope there. So because you are a bit closer to accessing super, we wanted to sort of give you a bit of an idea on where you're tracking for based on the current recommendations. So we've Yep. limited scope in the the I sent you the draw down on what this could look like for you based on the current scenario. Okay? Yep. Okay. The next page outlines where we're not looking at additional advice. So we're not looking at cash flow and debt management that you are hoping to continue to pay down your mortgage and the business loan.","start_word":1783,"end_word":1915,"sentiment":"neutral","sentiment_score":0.08718905597925186},{"text":"You're currently happy to pay that down continuing to do so.","start_word":1916,"end_word":1926,"sentiment":"positive","sentiment_score":0.3749130368232727},{"text":"If you did Yep. need additional advice in that area, we can always come back that down the track there. And Yep. the next page has insurance as noted. So we're not looking at any new recommendations around insurance as your main sort of goal with the advice when we spoke last time was focusing on getting your super up there, making it work, and making sure that you could get into a good position to be able to retire. Does that still sound appropriate? Yep. Yep. The dog. Yeah. Yep.","start_word":1927,"end_word":2017,"sentiment":"neutral","sentiment_score":0.09720085561275482},{"text":"Beautiful.","start_word":2018,"end_word":2018,"sentiment":"positive","sentiment_score":0.5796471834182739},{"text":"The next is the limited scope page and then the about you section. Can I get you to run your eyes over that a little bit? Are there any major changes to any of that section that we need to maybe update?","start_word":2019,"end_word":2060,"sentiment":"neutral","sentiment_score":0.05374719947576523},{"text":"No.","start_word":2061,"end_word":2061,"sentiment":"negative","sentiment_score":-0.35755491256713867},{"text":"I don't think so. No. Right.","start_word":2062,"end_word":2067,"sentiment":"neutral","sentiment_score":-0.23405903577804563},{"text":"Beautiful.","start_word":2068,"end_word":2068,"sentiment":"positive","sentiment_score":0.4410802721977234},{"text":"And then we've also got the next page as your assets and liabilities. Now these could have changed a bit since we last called up there, but are there any major changes you would like us to make in the back end for you in relation to this section at all? To this section No. That's at yeah. That's all? still fine. Yep. Yep. Yep.","start_word":2069,"end_word":2133,"sentiment":"neutral","sentiment_score":0.03134569451212883},{"text":"Beautiful. Excellent.","start_word":2134,"end_word":2135,"sentiment":"positive","sentiment_score":0.6541024446487427},{"text":"We've Yep. got on the bottom of that page there your current net wealth super balance. So within net wealth there, you've got about $388,281.79 as your current balance there. Okay? Yep. Yep. That that should go up again once we maybe all the market settle again. Why not? Absolutely. Definitely. Yeah. Yeah. Now if you go down for me, on the bottom of each of these page, there should be a page number. Can you see that on the bottom of each of those pages at the moment? No. Oh, yeah. Okay. No? Yep. Page 10, Yep. page 11. Yep. Perfect. Yep. If you can get on the page number 14 for me, the heading there should be strategy recommendations. Okay. Yep. Yep.","start_word":2136,"end_word":2259,"sentiment":"neutral","sentiment_score":0.07260307669639587},{"text":"Beautiful.","start_word":2260,"end_word":2260,"sentiment":"positive","sentiment_score":0.33831986784935},{"text":"I'm gonna switch to a couple of pages. This is sort of touching the points that we need to, but then you're welcome to take it back and read it before you decide to take on any of the advice. Okay? Yep. Beautiful. So this is essentially going through the start of the recommendations there. I did have a look at your super within Netwealth as well as other super funds out there just to sort of see whether we should look at changing any of those. I am recommending that we do retain Netwealth there. Netwealth is a good super fund. There's honestly no real major reasons for moving out of the fund. It just adds unnecessary complex city. But we are recommending that we do switch your investments, and I'll go through that shortly. Essentially, one of the things we look at when we do look at whether switching a fund is appropriate or not is the capital gains consequences. So just like you, your super fund does a tax return every year. They pay income tax, and they pay capital gains tax there as well. So, Yep. essentially, if we were to look at switching you out and moving to a new complete new super fund, we Yep. would be selling down all of the investments, which would have capital gains consequences to it. Yep. So Yep. we Yep. are recommending we retain that. Yep.","start_word":2261,"end_word":2498,"sentiment":"neutral","sentiment_score":0.02000952311674086},{"text":"To give you a bit of an idea, if we had sold down everything and moved out of the fund, it would have triggered over $11,000 in capital gains tax for your super funds.","start_word":2499,"end_word":2532,"sentiment":"negative","sentiment_score":-0.34781724214553833},{"text":"So Yep.","start_word":2533,"end_word":2534,"sentiment":"neutral","sentiment_score":-0.27758461236953735},{"text":"that's a Yep. pretty big chunk off your balance, which can be very difficult to get back.","start_word":2535,"end_word":2551,"sentiment":"negative","sentiment_score":-0.6092005968093872},{"text":"Oh, there's one So moment. so limiting that in any way, we're gonna retain NetWell for the time being. I am gonna switch your underlying investments, which actually had a much lower CDT consequence, and I'll show you that in a moment as well.","start_word":2552,"end_word":2595,"sentiment":"neutral","sentiment_score":-0.01266634650528431},{"text":"You'll Yep. be able to keep your contributions going in at the current rate, and I'll go through a bit more detail around the rest of the strategies there. So right now, it's just retaining Netwealth, continuing to put your contributions in as you have been, and we'll put the investments out for you.","start_word":2596,"end_word":2649,"sentiment":"positive","sentiment_score":0.3636351525783539},{"text":"Yep. Okay. If you can move down for me, just the page number 20, the heading on this one is recommended investments superannuation. You'll see a table, and it's got lots of different investments noted in the table. Yeah. Yep. Yep. Yep. You can't miss that one. Yep. Yep. Now this is essentially showing you what we're looking to do within the portfolio. So at the moment, you're in that growth environment, which as we kinda went through last time, sees 80% in those growth assets. So things like Australian shares, international shares, listed property, and commodities like gold and silver. When you Yep. are closer to accessing super like you are, it's important to start considering reducing your risk level significantly. Essentially, we talked about reducing your risk level and moving from that growth environment to a more balanced environment, which reduces your growth in the investment allocation from 80% to 60% essentially or as close to 60% as possible.","start_word":2650,"end_word":2810,"sentiment":"neutral","sentiment_score":0.18340857058578397},{"text":"It's about taking less risk in the market and having more defensive or income producing assets within your portfolio, Yeah.","start_word":2811,"end_word":2830,"sentiment":"positive","sentiment_score":0.3749191164970398},{"text":"and doing that in a way that you're sort of reducing your risk level, having more income production within Yep. the portfolio, but also more capital stabilization.","start_word":2831,"end_word":2857,"sentiment":"neutral","sentiment_score":0.3210293650627136},{"text":"So the idea is to protect the super you have. You still wanna get growth and income out of that at a more stable level and without taking too much risk because you are closer to accessing super.","start_word":2858,"end_word":2895,"sentiment":"positive","sentiment_score":0.4259409904479981},{"text":"One Yep. of the biggest things I tend to try to avoid is where you're wanting to access your super, but at the time that you decide to retire, there's a very large market dip which you would take into effect. If you think back to the GFC, around that 02/2007, 2008, that was probably one of the biggest times that a lot of people saw that. There was a lot of pea previous clients who were trying to, you know, access their super around that time.","start_word":2896,"end_word":2982,"sentiment":"neutral","sentiment_score":-0.2564345598220825},{"text":"And when they were retiring, the GFC kinda hit, which meant that if they continue to retire and stop working, they would be cementing the losses.","start_word":2983,"end_word":3008,"sentiment":"negative","sentiment_score":-0.4200960099697113},{"text":"So Yeah. reducing Yep. your risk level essentially comes into that aspect in trying to protect the capital you have within so far. Okay. So Yep. what we wanna do with your portfolio is, at the moment, you've got some physical gold in there. One of your things is that you wanted to increase your exposure into physical gold, and absolutely fine to do so. You have about 8.27% there at the moment. In the Yep. balanced portfolio, we're gonna increase that to 10% for you. That it's only a it's only a small increase, and one of the reasons I'm not increasing it above that level is that gold, whilst it is a good commodity, has seen really good growth, there's no income that's produced out of it. So in order to take advantage of the growth that is produced from physical gold, you have to then sell the asset and cement the gains to redistribute them.","start_word":3009,"end_word":3166,"sentiment":"neutral","sentiment_score":0.045473724650808525},{"text":"So it Yeah. is good to have more gold in your portfolio. It does act defensively at certain times, which is great, but it's also not an income product producing asset.","start_word":3167,"end_word":3197,"sentiment":"positive","sentiment_score":0.4068218767642975},{"text":"So we Yeah. wanna hold about 10% in there.","start_word":3198,"end_word":3206,"sentiment":"neutral","sentiment_score":0.24585191905498505},{"text":"It does mean that you have more than you currently have, which is a benefit for you.","start_word":3207,"end_word":3223,"sentiment":"positive","sentiment_score":0.4178498387336731},{"text":"Yep. Yep. Okay. Yep. Okay?","start_word":3224,"end_word":3228,"sentiment":"neutral","sentiment_score":0.17118118703365326},{"text":"Excellent.","start_word":3229,"end_word":3229,"sentiment":"positive","sentiment_score":0.604770839214325},{"text":"You've also got the beta shares a 200 in there. This is giving you exposure to the top 200 companies on the ASX. At the moment, you've got about 34.23% in that balanced environment. We only wanna hold 30%, so we're gonna reduce that exposure and sell some of that investment for you. Okay? Yep. Okay. You've also got your Vanguard fixed interest. So this is giving you access to sent sorry. Fixed interest, so bonds and cash investments, term deposits, and things like that. You hold about 9% there at the moment. In this balanced environment, we wanna hold a bit more of that investment, so we're gonna increase your exposure to 22% there. It means buying a bit more. You've got there the BetaShares cybersecurity, essentially, currently holding 5.51%. We wanna reduce that exposure to 4%, so it just means selling a little bit of that investment off. Okay? Yep. We've also got the iShares Europe is the next one down. This is giving you exposure to all 16 European countries, so both established and emerging markets, which is great for diversification. You're only just overexposed at the moment. You've got about 4.66%. We wanna hold about 4%, so it's just about selling off a very small portion of that to rebalance you back a little bit. Okay? Yep. And then we've also got the iShares of Japan for giving you exposure to the Japanese market. You've currently got 4.04%. We only wanna hold 4% of that investment, so we're just selling off about $200 of that one just to rebalance Yeah. you back a little bit. And then Yeah. also holding the S and P 500. This is giving you exposure to the top 500 companies on the American market there. You've got about 25 invested in this portfolio. We only wanna hold about 20% of this investment, so we'll be selling a little bit of that for you to rebalance you back a little bit. Okay? Yep. Okay.","start_word":3230,"end_word":3561,"sentiment":"neutral","sentiment_score":0.11277457905641522},{"text":"Excellent.","start_word":3562,"end_word":3562,"sentiment":"positive","sentiment_score":0.6163601875305176},{"text":"So just made a slight changes, and essentially means that we're lowering the CGT. It's also a low risk portfolio, but still maintaining its exposure to a diversified range of investments. And not Yep. everyone's that interested in all of those, but do you have any questions so far? Not really. No. No? I'm I'm That's I'm okay. fussing you with it. Sorry.","start_word":3563,"end_word":3625,"sentiment":"neutral","sentiment_score":0.12627547979354858},{"text":"Excellent. All good.","start_word":3626,"end_word":3628,"sentiment":"positive","sentiment_score":0.4953002035617829},{"text":"Now one of the other things that we do look at, that you wanted me to look at as well was the Mica Metals. You wanted me to have a look to see if it was worth adding any of this into your super. I did have a look at it, and I did sort of go to portfolio. And that is essentially because of based on our analysis and the research we were able to look at, it is a very volatile asset. So it goes up and down in, The dog's you know, here. very it is very volatile. It goes up and down in very short time frames and historically has fluctuated pretty drastically. Yep. So, essentially, we assess the risk level as being too high for your super based on your risk capacity, your tolerance. However, if you wanted to look at investing in in your own name outside of super, it is something you could definitely look at.","start_word":3629,"end_word":3791,"sentiment":"neutral","sentiment_score":0.018415123224258423},{"text":"I'm more than happy to provide you with the research data.","start_word":3792,"end_word":3802,"sentiment":"positive","sentiment_score":0.4971976578235626},{"text":"Yeah. That's a We special. just sort of we just wanted to sort of look at with your super, you're tracking towards retirement. Yeah. We don't wanna do anything that's gonna put too much risk on your super. We want you to get to retirement and enjoy your retirement years, not be having to make money back because of a large drop because of a certain portfolio or Yep. a certain asset in your portfolio there. So we're Yep. not adding that in. We're keeping you in a more conservative environment and looking after your super for you. But I do have in that document there a little bit of information around why we did and or did not look at it for you, why we did or did not add it into the portfolio so you can sort of see that as well. Yep. Okay. Okay? Yep.","start_word":3803,"end_word":3950,"sentiment":"neutral","sentiment_score":0.03104315134319099},{"text":"Excellent.","start_word":3951,"end_word":3951,"sentiment":"positive","sentiment_score":0.4365274906158447},{"text":"On the next page, if you scroll down, you'll see your cash investment there. Now within Netwealth, we wanna hold about 2% cash. At the moment, you've got about a bit of a 4% there. So, realistically, you've got too much cash sitting there. We're just gonna reinvest about 9,000 of that and make sure that you don't hold any more cash than what you need to within your portfolio. Okay? I can. Yep. Yep. No worries.","start_word":3952,"end_word":4028,"sentiment":"neutral","sentiment_score":-0.0007428883109241724},{"text":"Excellent. Beautiful.","start_word":4029,"end_word":4030,"sentiment":"positive","sentiment_score":0.4344010651111603},{"text":"If you can scroll down to the next page for me, the next one down has the proposed asset allocation. Yep. Beautiful. Now this is sort of showing you essentially where the asset allocation sits with you currently versus what I'm recommending. So you I'm sort of looking at the two columns, the existing and the proposed there. So the existing, when you look at the growth assets, it's it shows it's the bold column. You'll see 87.72%. So at the moment, you're sitting in more of that growth profile. By making these slight changes to your super, we're essentially reducing your growth assets down to about 76%, which is a positive for you. Okay? Yep. I'm trying. Yep.","start_word":4031,"end_word":4149,"sentiment":"neutral","sentiment_score":0.1462136059999466},{"text":"Excellent.","start_word":4150,"end_word":4150,"sentiment":"positive","sentiment_score":0.3584882915019989},{"text":"And then we've also got at the moment about 12.28% in defensive assets, so things like cash, bonds, fixed interest, things like that. We're Yep. increasing those defensive assets. They're more lower risk, and we're increasing them to 24% with this new portfolio for you. Okay. Okay? Yeah. Yep.","start_word":4151,"end_word":4199,"sentiment":"neutral","sentiment_score":0.19990376124576648},{"text":"Excellent.","start_word":4200,"end_word":4200,"sentiment":"positive","sentiment_score":0.637108325958252},{"text":"It can be a lot. This is why we sort of want you to look at the document with me, but do you have any questions at the moment? Is there anything you wanted me to kinda go through in more detail or run through with No. you? No. That's fine. That's fine.","start_word":4201,"end_word":4253,"sentiment":"neutral","sentiment_score":0.08681706339120865},{"text":"All good.","start_word":4254,"end_word":4255,"sentiment":"positive","sentiment_score":0.4062800407409668},{"text":"Yeah. That's okay?","start_word":4256,"end_word":4258,"sentiment":"neutral","sentiment_score":0.1872925162315369},{"text":"Beautiful.","start_word":4259,"end_word":4259,"sentiment":"positive","sentiment_score":0.506303071975708},{"text":"Now the next page is where it gets a little bit more complex. This is looking at that transition retirement strategy, essentially. So if you go down to the next page, it'll have the transfer time strategy outlined for you, and that's on page 23. Is that what you can see? Yep. Yep.","start_word":4260,"end_word":4312,"sentiment":"neutral","sentiment_score":0.060457609593868256},{"text":"Beautiful.","start_word":4313,"end_word":4313,"sentiment":"positive","sentiment_score":0.43824341893196106},{"text":"So, essentially, what we're gonna do now the way this essentially works is that it helps you by increasing contributions in your super. So you'll be able to start salary sacrificing an additional $200 per week into your super. So you're essentially adding an extra $10,400 across the year into super as salary sacrifice. Yep. However, because normal salary sacrifice means that your take home pay is reduced, what we're able to do, because you're over the age of 60, is we're able to open up a second. It's called a transition retirement pension account. So you will have two super accounts, one super accumulation where your contributions go into, and we'll have a second kind of pension account with a 165,539 sitting in that. The other 233 remain in your super account. What we're Yep. able to do is once you start that $200 per week contribution in the super, to make sure that your take home pay basically stays at the same level as what it is currently, we'll start to be able to draw down on that. Essentially, we're able to draw down up to 10% of the balance, and we're K. gonna be able to withdraw $6,622 on a yearly basis if I work out that per week for you. 52. It's about a $127.","start_word":4314,"end_word":4532,"sentiment":"neutral","sentiment_score":0.14507378161497855},{"text":"34 per week, and that replenishes your income, essentially. So you end up putting more money into super into the tax effective environment, the $200 per week, where it's only taxed at 15% instead of your marginal tax rate. You end up with more money sitting in your super invested working harder for you. And then we draw out a small amount of money less than you're putting in about a $127 per week out of the super system to your bank account. It replenishes your income, and the amount you take out of the super system is completely tax free for you.","start_word":4532,"end_word":4634,"sentiment":"positive","sentiment_score":0.4761725068092346},{"text":"Does that Alright. make sense? Do you have Yep. any questions? Yep. Yep. That's alright. Kinda rather than put that $127 back into my account, can't we put that back into the server? Well, the main thing is that it's keeping your take home pay basically the same. So because Alright. you're putting No. that Right. that $200 into super every week, you're actually Yep. coming out with, you know, less than $200, but your, you know, your take home pay is reduced. So because life is expensive, we draw Yep. a little bit out of your out of the super system to kinda replenish your income. I If can. at the end of the year, you don't need that, you wanna put it back into super, you're always welcome to let me know.","start_word":4635,"end_word":4768,"sentiment":"neutral","sentiment_score":0.07169610261917114},{"text":"We can definitely look at doing that for you.","start_word":4769,"end_word":4777,"sentiment":"positive","sentiment_score":0.3572843670845032},{"text":"But Yep. we just wanna make sure that with this strategy that you're not less short in any way because Yep. growth is expensive at the moment and no minor shopping. Yep. Fair enough. Yep. Okay. Yeah. If you go down for me to the next page to page 25, I can show you in numbers essentially how this looks for you. Nope. Yeah. So we've worked out your income based on your contributions and the information that we've been able to work out. So we've worked out on average, you should get about a 160,000 in income. In the current position, you're not making any current salary sacrifice contributions. In the proposed, we're recommending $200 per week, so 10,400 over the course of the year. That No. reduces your taxable income down to a 149,600.","start_word":4778,"end_word":4913,"sentiment":"neutral","sentiment_score":0.08026705320705385},{"text":"So because the salary sacrifice is deducted from your income pretax, it Yep.","start_word":4914,"end_word":4926,"sentiment":"positive","sentiment_score":0.3424559235572815},{"text":"reduces your total taxable income. Then you're paying income tax. So in your current position, paying roughly 43,470 on income tax each year.","start_word":4927,"end_word":4949,"sentiment":"neutral","sentiment_score":0.20828060805797577},{"text":"By increasing salary sacrifice, you're reducing the income tax to $39,415. So Yeah.","start_word":4950,"end_word":4962,"sentiment":"positive","sentiment_score":0.3445048928260803},{"text":"it's Okay.","start_word":4963,"end_word":4964,"sentiment":"neutral","sentiment_score":0.3270556926727295},{"text":"giving you essentially a reduction in income tax, which is a benefit.","start_word":4965,"end_word":4976,"sentiment":"positive","sentiment_score":0.3692721128463745},{"text":"You pay less income tax. However, it doesn't reduce your your net income. So when you think about your current scenario, current income minus the income tax payable, it means that your take home pay is actually about a 116,530. Under Yep. the proposed, we start with a 160. We increase the contributions to super. We're then lowering the income tax, but it also means that the take home pay is reduced to about a Yep. 110,000 as well. So in Yep. order to replenish that so you can still pay your bills, go on your holidays, and do all the work that you need to pay for groceries, Yep. we we draw out of the super system $6,622 on a yearly basis or about a Yep. $127.35 per week, and that is paid to your bank Yep. account. Yep. And, essentially, at the bottom there shows that you it reduces or it brings back your net take home pay. Yep. It actually Yep. gives you a little bit more take home pay than what you're currently getting, which is also Yeah. Yeah. a Yeah. benefit. But Yeah. you're essentially gonna have the same take home pay. It's just coming from two different sources. The amount of money you're receiving out of the super system because you're over 60 is completely tax free. Under Okay. the transition time and strategy, we're only able to access on this financial year up to 10%. So we're not able to access the full balance in under pension until you retire.","start_word":4977,"end_word":5233,"sentiment":"neutral","sentiment_score":0.1264677345752716},{"text":"But this kind of strategy is really cool because it allows you to put more money into super, take advantage of that more tax effective strategy. It's essentially think of it as moving money around in a more tax effective way.","start_word":5234,"end_word":5274,"sentiment":"positive","sentiment_score":0.6027622222900391},{"text":"Instead of receiving all of your salary, personally, I'm paying more income tax.","start_word":5275,"end_word":5287,"sentiment":"neutral","sentiment_score":0.17088474333286283},{"text":"You're putting an extra $200 per week in the super. That reduces Yep. your salary and the income tax that you're paying.","start_word":5288,"end_word":5309,"sentiment":"positive","sentiment_score":0.3716738224029541},{"text":"But because you would normally have, you know, less money in your bank account each week, we use some of your existing super, and we start a secondary pension account. From that pension account, you draw down a $127 per week that goes Yep. into your bank account. And, essentially, we reevaluate that strategy every year, and we can keep rolling in and out and updating the figures on a regular basis. Okay. Instead I'm of you paying 30 odd percent tax on that money, it's only paying 15% in the super system. Does that make sense? Yep. Yep. Yep. We can't cope. Yeah. Yep. Yeah.","start_word":5310,"end_word":5415,"sentiment":"neutral","sentiment_score":0.14469067752361298},{"text":"It's pretty cool the way it works.","start_word":5416,"end_word":5422,"sentiment":"positive","sentiment_score":0.5320470333099365},{"text":"It's a strategy that not everyone can do. You have to be over 60 to be out of benefit in these types of really fun strategies, so it's a benefit to getting older, essentially.","start_word":5423,"end_word":5456,"sentiment":"neutral","sentiment_score":0.2260122746229172},{"text":"But it ultimately keeps your take home pay the same. You put more money in the paper, and you pay less tax, which is never a bad thing.","start_word":5457,"end_word":5484,"sentiment":"positive","sentiment_score":0.3990519940853119},{"text":"Yeah. I got you. Fair enough. Yep. Yeah.","start_word":5485,"end_word":5492,"sentiment":"neutral","sentiment_score":0.2088993638753891},{"text":"All good.","start_word":5493,"end_word":5494,"sentiment":"positive","sentiment_score":0.4113626480102539},{"text":"If you can move down for me to page number 30, I can show you essentially the outcome and the projected outcome of what this should look like for you. Yep.","start_word":5495,"end_word":5525,"sentiment":"neutral","sentiment_score":0.2924245595932007},{"text":"Beautiful.","start_word":5526,"end_word":5526,"sentiment":"positive","sentiment_score":0.4118400812149048},{"text":"So at the moment, your current scenario has your current Netwealth account there and the fees that you do pay. You pay administration fees, investment fees, the ongoing service fee for us, and also contributions going in there. No pension withdrawal at the moment. By starting the strategy, doing the investment switch, and then opening the trans transition to retirement pension, you'll have the two accounts. The accumulation, which is your super, that's essentially where your your money is now. It's in the accumulation phase. We're accumulating wealth for retirement. We'll leave 233,000 in that account. Sorry. In the pension, we'll open it up with a 165,539. After completing the investment switch and you remember how I talked before about, yeah, if we were to sell down all the investments, the CGT would have been over $11,000? Yep. Yes. Yes. Yeah. Yeah.","start_word":5527,"end_word":5668,"sentiment":"neutral","sentiment_score":0.10317206739539832},{"text":"So by keeping everything in net wealth and just making the smallest switch with with your investments, the expected capital gains consequence for your super fund is about 1,381. So we can Yep.","start_word":5669,"end_word":5701,"sentiment":"positive","sentiment_score":0.3797052800655365},{"text":"reduce your risk level and alter those investments as we need to, and it Yep. reduces the amount of tax that your super fund would have to pay, which is a benefit. Okay? Okay. Yep. Fair enough. Yep.","start_word":5702,"end_word":5739,"sentiment":"neutral","sentiment_score":0.27638062834739685},{"text":"Excellent.","start_word":5740,"end_word":5740,"sentiment":"positive","sentiment_score":0.6010407209396362},{"text":"Essentially, you then have the two accounts. You've got your ongoing administration fees. That is two accounts, so it does mean that they are slightly higher. However, Yep. we can also save not a great deal. It's about a dollar, but the newer investment portfolio is actually cheaper by about a dollar a year for you. So Okay. that Yep. is Yep. slight benefit.","start_word":5741,"end_word":5804,"sentiment":"neutral","sentiment_score":0.23207826912403107},{"text":"We'll save that $1.","start_word":5805,"end_word":5808,"sentiment":"positive","sentiment_score":0.3990361094474793},{"text":"Yep.","start_word":5809,"end_word":5809,"sentiment":"neutral","sentiment_score":0.3059579133987427},{"text":"Ongoing service fees are reduced a little bit, which is great just because of the difference in the balance there, and you are drawing some funds out.","start_word":5810,"end_word":5836,"sentiment":"positive","sentiment_score":0.4436683654785156},{"text":"And then you've got underneath there your contributions going in.","start_word":5837,"end_word":5846,"sentiment":"neutral","sentiment_score":0.3142416477203369},{"text":"So it increases your contributions. So your net after tax contributions in the super for the year would be about 25,160.","start_word":5847,"end_word":5867,"sentiment":"positive","sentiment_score":0.386148065328598},{"text":"And then the pension withdrawal out, we take the 6,000 it's essentially 6,622 out of the super system for you, which goes to your bank account to assist you. Okay? Okay. Yep. Yep.","start_word":5868,"end_word":5900,"sentiment":"neutral","sentiment_score":0.23263272643089297},{"text":"Excellent.","start_word":5901,"end_word":5901,"sentiment":"positive","sentiment_score":0.5898642539978027},{"text":"Underneath that, you can sort of see the projection table. So under your current scenario, we could see over the next sort of two to four years, you're ending up with about, yeah, 460,000 to 540,000.","start_word":5902,"end_word":5937,"sentiment":"neutral","sentiment_score":0.21909238398075104},{"text":"However, under the recommended strategy with increasing contributions, replenishing your income, and also reducing your risk level in the portfolio, we can actually see over the next sort of two to four years, we can expect you to have a much greater super in there.","start_word":5938,"end_word":5982,"sentiment":"positive","sentiment_score":0.366451233625412},{"text":"So a bit of a 470,000 in around about two years. Okay.","start_word":5983,"end_word":5994,"sentiment":"neutral","sentiment_score":0.2266460359096527},{"text":"And in four years, you could end up with a bit of a 550,000 there. So you're taking advantage of the market and sort of helping to provide a greater benefit to your super long term there as well.","start_word":5995,"end_word":6033,"sentiment":"positive","sentiment_score":0.40703535079956055},{"text":"Alright? Okay. Yep. No worries. Do you have any questions at all? You're It's welcome to let me know if you do. fine. That's fine.","start_word":6034,"end_word":6058,"sentiment":"neutral","sentiment_score":0.15083803236484528},{"text":"All good.","start_word":6059,"end_word":6060,"sentiment":"positive","sentiment_score":0.45989084243774414},{"text":"That's okay?","start_word":6061,"end_word":6062,"sentiment":"neutral","sentiment_score":0.29110872745513916},{"text":"Beautiful.","start_word":6063,"end_word":6063,"sentiment":"positive","sentiment_score":0.45920854806900024},{"text":"If you go down to the next page, this is essentially showing you once you kind of get to the age of 63, 65 there, what we can sort of expect with the drawdown aspect. Okay. Yeah. Yeah. This is essentially starting at 62. But if you decided to start at 65, it does provide you with a greater benefit there, provide longer term. But essentially shows that by drawing down what you want to on a yearly basis, we can sort of see your super lasting a bit longer there. And projecting forward to around about age 70 to 71, this is sort of looking at just your pension drawdown if we kinda refreshed everything moving forward. And you can sort Yep. of see the projected outcome up to about age 70 there. So this does depend on market reactions. Yeah. Markets Exactly. go up. Yeah. Markets I got one. go down. Yeah. But Yep. it kinda shows you where you're essentially tracking forward and what this Yep. might look like if you kept doing it longer. And then depending on when you actually choose to retire, what income you wanna draw down in retirement, then we can kind of look at how that works down the track for you and how long your super would last without a contributions Yeah. going Yeah. in. Does that Yeah. make sense? Yep. Yep. Yep. Yep.","start_word":6064,"end_word":6297,"sentiment":"neutral","sentiment_score":0.09925463795661926},{"text":"Beautiful. Fantastic. But, honestly, it it looks really good. It looks like it can definitely put you in a really good position, and adding more money to super now, giving you that last little boost over the next couple of years towards you wanting to stop working and fully retire, means that we can take advantage of the market and lowering your risk level as well to put some protections in in place for your capital Yep.","start_word":6298,"end_word":6374,"sentiment":"positive","sentiment_score":0.5898187052119862},{"text":"for Okay. your super. Yeah. Yep. Yeah.","start_word":6375,"end_word":6381,"sentiment":"neutral","sentiment_score":0.1729261726140976},{"text":"Excellent.","start_word":6382,"end_word":6382,"sentiment":"positive","sentiment_score":0.48648688197135925},{"text":"Uh-huh. The last couple of pages are just about making sure that you do speak to us, Melissa, that have a will and power of attorneys drawn up and things like that. And Yep. when it comes to opening up the the pension accounts, we'll make sure that your beneficiaries are also nominated on file there to make sure that that is all covered. Okay? Yep. Yep. Okay. Yep.","start_word":6383,"end_word":6451,"sentiment":"neutral","sentiment_score":0.1129365861415863},{"text":"Excellent.","start_word":6452,"end_word":6452,"sentiment":"positive","sentiment_score":0.5079811215400696},{"text":"That can be a lot, and you're welcome to definitely go back and have a good read Let me know if you do happen to have any questions prior to, you know, you decided to take any of the advice there. But do you happen to have any questions at the moment? Has anything kinda come up in the course of our conversation with regard to that? No.","start_word":6453,"end_word":6520,"sentiment":"neutral","sentiment_score":0.201331228017807},{"text":"Not really. I don't understand what you're what you're talking about doing there.","start_word":6521,"end_word":6533,"sentiment":"negative","sentiment_score":-0.37312304973602295},{"text":"Yes. Yeah.","start_word":6534,"end_word":6535,"sentiment":"neutral","sentiment_score":0.04027941823005676},{"text":"Beautiful. Fantastic.","start_word":6536,"end_word":6537,"sentiment":"positive","sentiment_score":0.369607537984848},{"text":"And you're on you're an ongoing service client at the moment. So you're on a ongoing service fee of 1.65%. That would essentially just be prorated across the two accounts there for you as well, so no change to that currently. Yep. Okay. Yep.","start_word":6538,"end_word":6581,"sentiment":"neutral","sentiment_score":0.14157262444496155},{"text":"Beautiful.","start_word":6582,"end_word":6582,"sentiment":"positive","sentiment_score":0.3507617712020874},{"text":"So what I'll do is I'll let you go back. You're welcome to have a read through the document. How we would go through implementing this if you decide to take on the recommendations is essentially, I'll start by doing the investment switch first. While everything's in one account, we switch the investments. Once that has been completed, my team will get your bank account information so they can set up the pension account. That Yep. can take between two to five days depending on how busy Netwealth are. They would transfer the money into the pension account, leaving that 233 behind in the super account there. I Yep. will never get you the salary sacrifice until we know when your first pension account when your first pension payment is to be drawn. So my team will set up your first pension account pension payment, sorry, of the $127.35. They'll let you know Yep. what day that's expected to be paid. They can also set it up. And when they call to get your bank details, they'll also check when you want that to start. So whether you want it to be paid on the same day as your employment income or whether you wanna pay it on a different day so we can Yep. align that with your income. Yep. That's And fine, then man. once they know once they know what date your pension payment is due to be paid from the account based pension, they will then give you the salary sacrifice letter to be provided to your employer, and then you can start that. The reason I I can. do it that way is that I don't want you to be putting salary sacrifice in, having less income, and not having that income replaced. So I like you to receive your first payment first, then we salary sacrifice. That way, you're not left short for any particular, Yep. couple of weeks. Does that make sense? Yep. Yep. That makes sense. Yep. Yep.","start_word":6583,"end_word":6918,"sentiment":"neutral","sentiment_score":0.04466369521382842},{"text":"Beautiful. All good. Well, that's basically the entire strategy, and thank you so much for taking my call today. I really appreciate it. You're welcome to go back and have a read through the document.","start_word":6919,"end_word":6953,"sentiment":"positive","sentiment_score":0.5046255588531494},{"text":"If you do find you have any questions, let me know. I'm just gonna really quickly also check your ID is up to date because to open the account, they will ask for an updated copy Yep. of your identification to your driver's license. Let's double check that while I have you here. Sorry. Sorry. My computer's having a moment. Here we go. I need Yep. to print this off and send it back to your door. So if you're happy to take on the recommendations, there is a little signing section on the very last page. There's a button that says sign. It will help you to electronically sign the document and then date it, and then it will just once you've pressed finish, it'll come directly back to us, and we'll start to implement it. If you feel like you wanna take some time to read through it first before taking the recommendations, you don't have to sign it now. You can take it back, have a read through it, and then sign it Okay.","start_word":6954,"end_word":7130,"sentiment":"neutral","sentiment_score":0.17410566480988163},{"text":"when you are comfortable to do so. It is completely up to you.","start_word":7131,"end_word":7143,"sentiment":"positive","sentiment_score":0.4194642901420593},{"text":"Okay? Doesn't doesn't appear to be giving me a a signature. If I you're mean on the signature page, is there a button that says sign like, it should have a no. little with your No. name It in doesn't. it? No. It doesn't come up with that.","start_word":7144,"end_word":7191,"sentiment":"neutral","sentiment_score":-0.12034045159816742},{"text":"No. That is really weird. Maybe it didn't attach.","start_word":7192,"end_word":7200,"sentiment":"negative","sentiment_score":-0.41968220472335815},{"text":"It should have attached properly. Yeah. I can see it's got one there. It's in the signature botch. It should say signature Michael Power or just Michael Power in some funny, cute writing. Yeah. Hey. I might try and add them back up again and Yeah. That's okay. Did you want me to get one of my team to give you a call a bit later just to check how you're going if we don't see it come back or just a couple of days? What would you sort of prefer for a check-in? I'm just gonna be away for a few days. I'd rather get it sorted. Now? I'm gonna go away. I don't know when I'm gonna be contacting all again. Okay. Not a problem at all. Yeah. That's alright. No. Still not coming up with that. Not That coming looks up? no. It's Maybe if you go out of the eave, eave yeah. Maybe if you go out of the email and back into it again. Previous file. What can I mean preview the course and error with the following? Hang on. Let's close. And I'll close the email down. I'll open it back up again. We'll go back to the original one. Yeah.","start_word":7201,"end_word":7407,"sentiment":"neutral","sentiment_score":-0.04598829826870978},{"text":"That's okay.","start_word":7408,"end_word":7409,"sentiment":"positive","sentiment_score":0.3937325179576874},{"text":"The other option is I could always ask someone to send it through you via Adobe Sign. It might work out easier for you. Yeah. Hold on. Hang on. I'm on the end. It's gone. There's the first one. Hang on. Installing an Adobe update now. Oh, Maybe there's something wrong with Adobe. alright. Believe it. Let me maybe give me a callback later on this afternoon or Yep. something. Or Yeah. I'll get one of my admin team members to give you a call starting to see if you have any troubles. They can also yep. talk you through the signing process. If it's still not working, they can also send it through via another system to see if we can get it sorted for you. Okay. Okay? Yep. Not All a good. problem. The other thing I just wanna check on, so you'll be uncontactable for a period of time. If we do the investment switch, it can take generally about a week to have the investment switch completed. Then we normally go through and set up the TTR side of things, and my team will have to give you a call just to to find out your bank information for that. How long before they should give you a call? Is it, like, one to two weeks that you'll be working for? How long I'll be before you'll I'll be be away able to about be two weeks, but you can try and give me a call if you want. I may I may be in phone coverage. We do carry a Starlink with us, so yep. Yep. No worries. it's possible we'll have it there. Now that's still not coming up with a signature thing. You might have to send another Yep. I'll get someone another to send while it doing via it. Adobe sign and follow-up for you. Not a worry Yep. at all. Alright.","start_word":7410,"end_word":7729,"sentiment":"neutral","sentiment_score":-0.021497955545783043},{"text":"All good. Perfect.","start_word":7730,"end_word":7732,"sentiment":"positive","sentiment_score":0.5503414273262024},{"text":"Well, I'll let them know to be in contact in about two weeks. Yeah. If there's a re a reason to give you a call prior, they can always try, but I'll let them know that you'll be uncontacted. Well, roughly for two weeks, and then we can do that TTR side of things for you then, make it easier on you. Okay? Okay. Hang on. I just clicked the link, find document. Yep. There it is. How's it's working There it for is. you? Yeah. I think that's now I think I I opened the attachment up. I didn't Alright. My apologies. didn't Sorry. I didn't didn't know if I dumped in there. My fault. No. No. You're fine. Now let's get down the bottom of it. It's slow. So here we go. Here it is. Yeah. Yeah. It doesn't wanna get back up. Explorations. There we go. Signature. Sign. Right. I've just signed it. Yep.","start_word":7733,"end_word":7889,"sentiment":"neutral","sentiment_score":-0.0044405642944346565},{"text":"Beautiful.","start_word":7890,"end_word":7890,"sentiment":"positive","sentiment_score":0.49615514278411865},{"text":"Now I will just refresh that. Is it saying finish or done or loading at the bottom? Is there anything sorta happening? just you know, this next document. Yep. Showed up with the signature on it. Yep. I If think you it click must on be the a sign if you click on the signature, and then it should allow you to click on the date as well. It did that. Yeah. I've done both of those.","start_word":7891,"end_word":7967,"sentiment":"neutral","sentiment_score":0.12313447892665864},{"text":"Beautiful.","start_word":7968,"end_word":7968,"sentiment":"positive","sentiment_score":0.504020094871521},{"text":"And Next then next document. document at the bottom there, it should take you through if there's anything else. Right. Okay. Yep. And then once you get to the bottom, it'll tell you that it's finished. Oh, I think it's my computer. My computer's out of no. It's not supported by Windows 10. I think it's playing up. Oh, okay. That's I alright. mean, we're not Did you want us to send do you have a no. printer or That's alright. That's all. All it's alright? come with the one. Validate Yep. and send documents. That's the one. That's the last Yep. section. And Oh, no. I'll That just should be refresh floating it. up here now. Just refreshing for you. Might be still low still loading on mine, so it might be a bit slow. Yeah. That's okay.","start_word":7969,"end_word":8107,"sentiment":"neutral","sentiment_score":0.008964919987663949},{"text":"That's not a problem at all. It should come through fairly easy in the next few minutes.","start_word":8108,"end_word":8124,"sentiment":"positive","sentiment_score":0.555813729763031},{"text":"So do Alright. you want me to wait here for it or just give you a callback if you Give me just give me a shout if you have any problems, you don't see it. will do. I'll let the team know to give you a call later if there's any issues.","start_word":8125,"end_word":8176,"sentiment":"neutral","sentiment_score":0.07905355840921402},{"text":"Thank you so much for your time today, Michael. I hope you enjoy the rest of your day.","start_word":8177,"end_word":8194,"sentiment":"positive","sentiment_score":0.8074154853820801},{"text":"Yep. No worries. Yep. Alright.","start_word":8195,"end_word":8199,"sentiment":"neutral","sentiment_score":0.20096197724342343},{"text":"Should be done.","start_word":8200,"end_word":8202,"sentiment":"positive","sentiment_score":0.35884398221969604},{"text":"Oh, legend. It's I'll wait fine. for it Bingo. to come through. Alright Oh, then. there it is.","start_word":8203,"end_word":8220,"sentiment":"neutral","sentiment_score":0.2304149568080902},{"text":"Just let me Thanks. know. It's all come through perfect. You did great. No worries. Alright then. Thank you. I'll talk to you soon.","start_word":8221,"end_word":8244,"sentiment":"positive","sentiment_score":0.5577834844589233},{"text":"See you later. Okay. Bye. See Bye. you.","start_word":8245,"end_word":8252,"sentiment":"neutral","sentiment_score":0.20018714666366577}],"average":{"sentiment":"neutral","sentiment_score":0.11128367198986952}}}}