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Is that Roxanne? Yep. Beautiful. Yeah. Yeah. Yep. Awesome. Thank you. Thanks. I'm good. Thanks. Sorry. My phone never even rang. It wasn't I was saying you a left a message. Thought, oh, didn't even hear it. So anyway. Yeah. All good. I can on the phone. Yeah. Yeah. Yeah. Yeah. Absolutely. Yes. Yep. No no worries at all. Yep. Yep. But since that what that's probably come down by about $10, that house repayment loan. Because, yeah, I got a good good fortnightly pay packet a couple of weeks ago and thought, right, let's go straight off. So yeah. Yeah. Yep. Yep. Good. Yep. Yep. Thanks. Yeah. Yep. That'll just about clean it up, I reckon, with so which is awesome. Yeah. Yep. Absolutely. Beautiful. Hang on. I've lost y'all. Where'd you go? Yep. Yep. Yep. Alright. Cool. The last bit was leaving the account open so super could still go into it. Yep. Yep. Yep. Yeah. Yep. That's good. I I I don't see anything in in the crystal ball that we'll need to draw down again. Yeah. Yeah. Beautiful. Yep. Beautiful. And that will happen after we we do the drawdown. Yep. Cool. Yep. Yep. Yep. Yep. No worries. Yep. Yep. Awesome. Yep. Yep. Yeah. Yeah. Absolutely. Is there something that we can look at and let, you know, in six months time? Yep. Yep. Yep. No. Awesome. Yep. Sounds very good. Yep. Alrighty. Yep. No. You're alright, Tom. Yep. Yep. Yep. Yep. Yep. Yeah. Yeah. Yep. Yeah. Absolutely. And and going forward, I mean, we might even be able to add a bit more, you know, to that salary sacrifice. So, now that look. That that's actually a lot better than I thought I'd play at by doing it. Like, you know, 20 grand by taking 15 getting rid of we'll we'll get rid of that mortgage with that, I reckon. So Yep. Yeah. Yeah. Yep. Yep. No. That's all. That's that's a lot, but that all sounds really positive for us and where we're at right now and what's going on. And, yeah, like, to get rid of a 50,000 oh, well, whatever's left on the house now and, yeah, just breathe a bit easier with other expenses. So no. Yeah. And that's it. You know, that fortnightly withdrawal of $600 for for the house appointment. Yeah. No. It makes makes us a lot better off than yeah. No. That that's awesome. And I can tell you now, Donna, that we are going to be on ahead with this. Yeah. Yeah. Yeah. Yeah. Now you put a lot of work in. I'll I'll I'll I'll look it over with Karen. No worries. But, yeah, it's certainly something that that we have talked about, and we were pretty confident that we'd go ahead and everything I've just heard then just submit to, Yes. A little pause so that that we are on the right track and that that that is awesome. Alright. Yep. Yeah. Yeah. Beautiful. That's awesome. Not. Yep. Yep. That'd be great. I I think they may have tried that once before, but it it actually wouldn't open the attachment. So that's okay. If I do it again, I'll we'll try again. That yeah. Yeah. Yep. Alright. Thank you, Donna. I got a bit of fat writing today. Like No. I appreciate all your help, Donna. It's not something that we're across, and it's great to have someone that's easy to deal with and explains it well. So appreciate that. I have got one for you, though. My colleague at work, Nat Bricknell, says bring him. Nat Britnell. Apparently, you were doing some some stuff for him. He said, I haven't heard from yeah. I haven't heard from Diana for a while. I said, I'm talking to her today, mate. Yeah. No. Yeah. He shouldn't have that sort of money to splash around anyway at his age. No. Appreciate that. Would you do I need to book another catch up with you or now or just no. Yep. Awesome. Thank you for your time. I really do appreciate it, mate. It is yeah. As I said, it's not something that that we know a lot about, but it's great to have access to people like yourself that who know what they're talking about. Well, you sound like you do anyway. No. Yep. No. No. I I truly appreciate it, mate. And it does you probably don't realize how much of a burden this lifts just by the the conversation and and now that it's doable. So thank you. You did last time, and I thought I did, but send it again because I I'm more than happy to do it again if it didn't come through. Yep. Yep. Absolutely. Yeah. Yeah. Done. Alright. Thanks, Don. You too. 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David. My name is Glen Annis. I had an appointment with Dana at oh, be up fifteen minutes ago. She did leave a message, but my phone never even rang. I'm sorry.\n\nEnnis, e, n n, I s. Yep. Is that Roxanne? Yep. Beautiful.\n\nYeah. Yeah. Yep. Awesome. Thank you.\n\nThanks. I'm good. Thanks. Sorry. My phone never even rang.\n\nIt wasn't I was saying you a left a message. Thought, oh, didn't even hear it. So anyway. Yeah. All good.\n\nI can on the phone. Yeah. Yeah. Yeah. Yeah.\n\nAbsolutely. Yes. Yep. No no worries at all. Yep.\n\nYep. But since that what that's probably come down by about $10, that house repayment loan. Because, yeah, I got a good good fortnightly pay packet a couple of weeks ago and thought, right, let's go straight off. So yeah. Yeah.\n\nYep. Yep. Good. Yep. Yep.\n\nThanks. Yeah. Yep. That'll just about clean it up, I reckon, with so which is awesome. Yeah.\n\nYep. Absolutely. Beautiful. Hang on. I've lost y'all.\n\nWhere'd you go? Yep. Yep. Yep. Alright.\n\nCool. The last bit was leaving the account open so super could still go into it. Yep. Yep. Yep.\n\nYeah. Yep. That's good. I I I don't see anything in in the crystal ball that we'll need to draw down again. Yeah.\n\nYeah. Beautiful. Yep. Beautiful. And that will happen after we we do the drawdown.\n\nYep. Cool. Yep. Yep. Yep.\n\nYep. No worries. Yep. Yep. Awesome.\n\nYep. Yep. Yeah. Yeah. Absolutely.\n\nIs there something that we can look at and let, you know, in six months time? Yep. Yep. Yep. No.\n\nAwesome. Yep. Sounds very good. Yep. Alrighty.\n\nYep. No. You're alright, Tom. Yep. Yep.\n\nYep. Yep. Yep. Yeah. Yeah.\n\nYep. Yeah. Absolutely. And and going forward, I mean, we might even be able to add a bit more, you know, to that salary sacrifice. So, now that look.\n\nThat that's actually a lot better than I thought I'd play at by doing it. Like, you know, 20 grand by taking 15 getting rid of we'll we'll get rid of that mortgage with that, I reckon. So Yep. Yeah. Yeah.\n\nYep. Yep. No. That's all. That's that's a lot, but that all sounds really positive for us and where we're at right now and what's going on.\n\nAnd, yeah, like, to get rid of a 50,000 oh, well, whatever's left on the house now and, yeah, just breathe a bit easier with other expenses. So no. Yeah. And that's it. You know, that fortnightly withdrawal of $600 for for the house appointment.\n\nYeah. No. It makes makes us a lot better off than yeah. No. That that's awesome.\n\nAnd I can tell you now, Donna, that we are going to be on ahead with this. Yeah. Yeah. Yeah. Yeah.\n\nNow you put a lot of work in. I'll I'll I'll I'll look it over with Karen. No worries. But, yeah, it's certainly something that that we have talked about, and we were pretty confident that we'd go ahead and everything I've just heard then just submit to, Yes. A little pause so that that we are on the right track and that that that is awesome.\n\nAlright. Yep. Yeah. Yeah. Beautiful.\n\nThat's awesome. Not. Yep. Yep. That'd be great.\n\nI I think they may have tried that once before, but it it actually wouldn't open the attachment. So that's okay. If I do it again, I'll we'll try again. That yeah. Yeah.\n\nYep. Alright. Thank you, Donna. I got a bit of fat writing today. Like No.\n\nI appreciate all your help, Donna. It's not something that we're across, and it's great to have someone that's easy to deal with and explains it well. So appreciate that. I have got one for you, though. My colleague at work, Nat Bricknell, says bring him.\n\nNat Britnell. Apparently, you were doing some some stuff for him. He said, I haven't heard from yeah. I haven't heard from Diana for a while. I said, I'm talking to her today, mate.\n\nYeah. No. Yeah. He shouldn't have that sort of money to splash around anyway at his age. No.\n\nAppreciate that. Would you do I need to book another catch up with you or now or just no. Yep. Awesome. Thank you for your time.\n\nI really do appreciate it, mate. It is yeah. As I said, it's not something that that we know a lot about, but it's great to have access to people like yourself that who know what they're talking about. Well, you sound like you do anyway. No.\n\nYep. No. No. I I truly appreciate it, mate. And it does you probably don't realize how much of a burden this lifts just by the the conversation and and now that it's doable.\n\nSo thank you. You did last time, and I thought I did, but send it again because I I'm more than happy to do it again if it didn't come through. Yep. Yep. Absolutely.\n\nYeah. Yeah. Done. Alright. Thanks, Don.\n\nYou too. Bye.","paragraphs":[{"sentences":[{"text":"Hey, David.","start":4.88,"end":6.08,"sentiment":"neutral","sentiment_score":0.04607868939638138},{"text":"My name is Glen Annis.","start":6.08,"end":7.2,"sentiment":"neutral","sentiment_score":0.04766530394554138},{"text":"I had an appointment with Dana at oh, be up fifteen minutes ago.","start":7.2,"end":13.395,"sentiment":"neutral","sentiment_score":0.0308647439456903},{"text":"She did leave a message, but my phone never even rang.","start":13.775001,"end":16.255001,"sentiment":"neutral","sentiment_score":-0.20296781984242526},{"text":"I'm sorry.","start":16.255001,"end":16.915,"sentiment":"neutral","sentiment_score":-0.16853740811347961}],"sentiment":"neutral","sentiment_score":-0.0556968262023998,"num_words":33,"start":4.88,"end":16.915},{"sentences":[{"text":"Ennis, e, n n, I 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okay.","start":1385.9249,"end":1387.74,"sentiment":"neutral","sentiment_score":0.013826929032802582},{"text":"If I do it again, I'll we'll try again.","start":1387.74,"end":1390.24,"sentiment":"neutral","sentiment_score":0.03242282538364331},{"text":"That yeah.","start":1394.38,"end":1395.68,"sentiment":"neutral","sentiment_score":-0.013454267755150795},{"text":"Yeah.","start":1396.3,"end":1396.8,"sentiment":"neutral","sentiment_score":0.03424729034304619}],"sentiment":"neutral","sentiment_score":-0.05467680071226575,"num_words":33,"start":1380.6449,"end":1396.8},{"sentences":[{"text":"Yep.","start":1408.3151,"end":1408.8151,"sentiment":"neutral","sentiment_score":0.121724896132946},{"text":"Alright.","start":1441.195,"end":1441.6749,"sentiment":"neutral","sentiment_score":0.11409209668636322},{"text":"Thank you, Donna.","start":1441.6749,"end":1442.475,"sentiment":"positive","sentiment_score":0.34196077783902484},{"text":"I got a bit of fat writing today.","start":1442.475,"end":1444.1749,"sentiment":"neutral","sentiment_score":0.09958976693451405},{"text":"Like No.","start":1456.59,"end":1466.115,"sentiment":"neutral","sentiment_score":0.18359867110848427}],"sentiment":"neutral","sentiment_score":0.16170765360196432,"num_words":15,"start":1408.3151,"end":1466.115},{"sentences":[{"text":"I appreciate all your help, Donna.","start":1466.115,"end":1468.035,"sentiment":"positive","sentiment_score":0.3897234946489334},{"text":"It's not something that we're across, and it's great to have someone that's easy to deal with and explains it well.","start":1468.035,"end":1475.7,"sentiment":"positive","sentiment_score":0.40393951464267003},{"text":"So appreciate that.","start":1475.7,"end":1477.7999,"sentiment":"positive","sentiment_score":0.3523389846086502},{"text":"I have got one for you, though.","start":1478.42,"end":1480.04,"sentiment":"neutral","sentiment_score":0.18101021647453308},{"text":"My colleague at work, Nat Bricknell, says bring him.","start":1480.82,"end":1483.64,"sentiment":"neutral","sentiment_score":0.047524129764901266}],"sentiment":"neutral","sentiment_score":0.2950625307048145,"num_words":46,"start":1466.115,"end":1483.64},{"sentences":[{"text":"Nat Britnell.","start":1487.22,"end":1488.315,"sentiment":"neutral","sentiment_score":0.008443816564977169},{"text":"Apparently, you were doing some some stuff for him.","start":1488.315,"end":1491.4349,"sentiment":"neutral","sentiment_score":0.0035244437749497592},{"text":"He said, I haven't heard from yeah.","start":1491.4349,"end":1493.355,"sentiment":"neutral","sentiment_score":-0.05015050885932786},{"text":"I haven't heard from Diana for a while.","start":1493.355,"end":1494.755,"sentiment":"neutral","sentiment_score":-0.0706097362563014},{"text":"I said, I'm talking to her today, mate.","start":1494.755,"end":1496.6549,"sentiment":"neutral","sentiment_score":0.009147115517407656}],"sentiment":"neutral","sentiment_score":-0.023357261788880673,"num_words":34,"start":1487.22,"end":1496.6549},{"sentences":[{"text":"Yeah.","start":1503.72,"end":1504.2,"sentiment":"neutral","sentiment_score":0.05589829757809639},{"text":"No.","start":1504.2,"end":1504.7,"sentiment":"neutral","sentiment_score":0.08188681304454803},{"text":"Yeah.","start":1507.4,"end":1507.9,"sentiment":"neutral","sentiment_score":0.04117577522993088},{"text":"He shouldn't have that sort of money to splash around anyway at his age.","start":1507.96,"end":1511.66,"sentiment":"neutral","sentiment_score":-0.020733835441725596},{"text":"No.","start":1515.595,"end":1516.095,"sentiment":"neutral","sentiment_score":0.047745440155267715}],"sentiment":"neutral","sentiment_score":-0.0035315205653508506,"num_words":18,"start":1503.72,"end":1516.095},{"sentences":[{"text":"Appreciate that.","start":1517.595,"end":1518.6549,"sentiment":"positive","sentiment_score":0.36083246767520905},{"text":"Would you do I need to book another catch up with you or now or just no.","start":1518.875,"end":1525.695,"sentiment":"neutral","sentiment_score":0.006951019496602171},{"text":"Yep.","start":1533.3099,"end":1533.8099,"sentiment":"neutral","sentiment_score":0.11274503916502},{"text":"Awesome.","start":1546.595,"end":1546.995,"sentiment":"positive","sentiment_score":0.5092129111289978},{"text":"Thank you for your time.","start":1546.995,"end":1548.115,"sentiment":"positive","sentiment_score":0.4999069273471832}],"sentiment":"neutral","sentiment_score":0.15235864822394574,"num_words":26,"start":1517.595,"end":1548.115},{"sentences":[{"text":"I really do appreciate it, mate.","start":1548.115,"end":1549.975,"sentiment":"positive","sentiment_score":0.5432234853506088},{"text":"It is yeah.","start":1550.2749,"end":1552.115,"sentiment":"neutral","sentiment_score":0.2571302801370621},{"text":"As I said, it's not something that that we know a lot about, but it's great to have access to people like yourself that who know what they're talking about.","start":1552.115,"end":1561.05,"sentiment":"positive","sentiment_score":0.3363011422256629},{"text":"Well, you sound like you do anyway.","start":1562.31,"end":1563.8501,"sentiment":"neutral","sentiment_score":-0.04044039121695927},{"text":"No.","start":1565.67,"end":1566.17,"sentiment":"neutral","sentiment_score":0.15051892399787903}],"sentiment":"neutral","sentiment_score":0.29760004690986996,"num_words":47,"start":1548.115,"end":1566.17},{"sentences":[{"text":"Yep.","start":1578.685,"end":1579.165,"sentiment":"neutral","sentiment_score":0.12113206088542938},{"text":"No.","start":1579.165,"end":1579.485,"sentiment":"neutral","sentiment_score":-0.05628644675016403},{"text":"No.","start":1579.485,"end":1579.9651,"sentiment":"neutral","sentiment_score":-0.1107346937060356},{"text":"I I truly appreciate it, mate.","start":1579.9651,"end":1581.725,"sentiment":"neutral","sentiment_score":0.015201859176158903},{"text":"And it does you probably don't realize how much of a burden this lifts just by the the conversation and and now that it's doable.","start":1581.725,"end":1593.23,"sentiment":"neutral","sentiment_score":0.03048524484038353}],"sentiment":"neutral","sentiment_score":0.02374862342634622,"num_words":34,"start":1578.685,"end":1593.23},{"sentences":[{"text":"So thank you.","start":1593.23,"end":1594.21,"sentiment":"neutral","sentiment_score":0.26482796172300976},{"text":"You did last time, and I thought I did, but send it again because I I'm more than happy to do it again if it didn't come through.","start":1606.475,"end":1612.735,"sentiment":"neutral","sentiment_score":0.2848285363454904},{"text":"Yep.","start":1613.4299,"end":1613.9299,"sentiment":"positive","sentiment_score":0.4241178035736084},{"text":"Yep.","start":1616.23,"end":1616.63,"sentiment":"neutral","sentiment_score":0.19119516015052795},{"text":"Absolutely.","start":1616.63,"end":1617.13,"sentiment":"positive","sentiment_score":0.3528560698032379}],"sentiment":"neutral","sentiment_score":0.28640740989323926,"num_words":34,"start":1593.23,"end":1617.13},{"sentences":[{"text":"Yeah.","start":1620.07,"end":1620.3899,"sentiment":"neutral","sentiment_score":0.21077921986579895},{"text":"Yeah.","start":1620.3899,"end":1620.8899,"sentiment":"positive","sentiment_score":0.430512398481369},{"text":"Done.","start":1622.71,"end":1623.21,"sentiment":"neutral","sentiment_score":0.2707604169845581},{"text":"Alright.","start":1628.7969,"end":1629.2769,"sentiment":"positive","sentiment_score":0.4307449758052826},{"text":"Thanks, Don.","start":1629.2769,"end":1629.9169,"sentiment":"positive","sentiment_score":0.6120857298374176}],"sentiment":"positive","sentiment_score":0.4278280784686406,"num_words":6,"start":1620.07,"end":1629.9169},{"sentences":[{"text":"You too.","start":1629.9169,"end":1630.5769,"sentiment":"positive","sentiment_score":0.5804776549339294},{"text":"Bye.","start":1632.3169,"end":1632.8169,"sentiment":"neutral","sentiment_score":-0.10958848148584366}],"sentiment":"positive","sentiment_score":0.3504556094606717,"num_words":3,"start":1629.9169,"end":1632.8169}]}}]},{"alternatives":[{"transcript":"Welcome to IP Financial. This is Jacob speaking. Oh, no. That's okay, Glenn. No worries at all. What was your last name? Yep. Give me one second, Glenn. I'll just bring up your profile. Cool, Glenn. No worries. I'll just get you to confirm your client password on file here for us. Yeah. Yep. That's the one. I had a prompt here as your eldest child as well. So you're still happy to keep that one, Glenn? Yep. No worries, Glenn. That's all good. So you had an appointment with Dana. Give me one second. Dana's just giving me the thumbs up, so I'll transfer you through to her now. Okay. Thanks, Glenn. I'm transferring now. Hi, Glenn. It's Dana. How are you this afternoon? That's honestly okay. It was a bit weird on my end too because I couldn't even hear the phone ringing on your end, but it kind of pretended like I could see it trying to dial out, and then it went through the message bank. So I thought I'll send you a text message because at least then if you're out of reception or if it's my phone, at least then you know it was me, and we've tried to call and you can call back when you're good. So easy. Gwen, do you happen to have access to emails there at the moment at all? If you don't, that's okay. Yeah. Yep. That's that's alright. Do you want me just to run through the recommendations there for you? It is basically what we discussed, and then I've emailed it through to you for you to have a look at a bit later on. Does that work for you? Yeah. Fantastic. Well, I've sent the email through, so those documents will be in your inbox there as well. I did also have a quick look back, and it looks like our team have emailed through some annual review documents to you a few days ago as well. So I've done sent two Odoo signs back to you. They'll both be at the top of your inbox. One of them will be the the statement of advice, and the other one's just your annual review doc. So if you can have a look at all those and flick them back and sign them if you're comfortable to, that'll just sort of help us along a bit. Okay? Excellent. Now with this one here, Glenn, just to let you know, this statement of advice has been prepared by myself, Daniel Taylor. I'm an authorized representative under OV Financial's Australian Financial Services license, and my license number registered with us is 130 4394. Okay? Beautiful. Now with regard to the scope of advice, we have scoped in areas regarding around superannuation, estate planning, and also looking at debt management. So one of the things that we discussed was that you wanted to try and pay on your mortgage as much as possible. You are at about 65,664. Wanted to try and access a bit of money out of super to pay that debt down so you didn't have those expenses ahead of you, and you could focus on your wife's health moving forward. Does that still sound fairly accurate? Oh, fantastic. Yeah. Fantastic. That actually is gonna help you quite significantly. Excellent. We've also scoped in areas of superannuation. So we also looked at reviewing the investments and not only how to withdraw the funds out so you can pay down the mortgage a bit, but also what to do with the investments inside of super to make sure that they're working harder for you at the same time and also the estate planning side of things. So I did have a look on your file. You do have a a nonbinding nomination there. You did wanna make sure if anything happens to you that your super is paid out to your wife to cover expenses and things like that. I've actually made a recommendation to alter that nomination as a nonbinding nomination kind of leaves it in the hands of the trustee. So what I'm gonna recommend, I'll show you it below, is just giving you more certainty around making sure that the benefit is paid out in your favor. Okay? Beautiful. It's important to note that any recommendations we do make are made under the best interest duty. It's about making sure that we're here to meet your goals, that with the recommendations that in your best interest, that we're putting you in a positive position after these recommendations are made. Okay? Beautiful. So I'll just run through them fairly briefly for you so as not to overwhelm you too much. Essentially, what I'll then get you to do is have a reach for the document a bit later on, weigh up your options, have a look at the advantages, disadvantages, and the risks involved, and then you're welcome to let me know if you do have any additional questions there. Okay? Perfect. Easy done. Now, essentially, with the recommendations here, we are recommending to start with that. We do move some money into that TTR pension that we discussed the other day, essentially, in order for you to be out of door down the funds required to be able to reduce the debt on your mortgage, we do have to give in your agents stage to utilize that transit retirement pension account. With the, with the super at the moment, we do have to leave 16,000 behind in the accumulation. So we open up a second account, which is the trans transition to retirement pension account. We estimate that that'll be open with about 50 sorry. 500 and 23,000 and 500. Then you're able to draw down the maximum 10% for this financial year, which allows you to draw down fifty two thousand three hundred and fifty, and that will hopefully pay down the mortgage pretty significantly after you've made that nice big $10,000 lump sum payment there. Okay? Absolutely. One less thing to worry about. Perfect. Now once that pension payment has been drawn down, because even the two accounts open does mean that you do pay too lots of, like, administration fees, investment fees, we wanna close it off. Once you've accessed that full 10%, you're no longer able to access anything further for this financial year. So we'll roll the funds back over from the pension into the accumulation account and have everything back in your super there. Okay? Whilst this is going through, we still keep the super open with the 16,000 in there. Your contributions can still be going in as normal. That will all stay exactly the same for you. Okay? When you there, Glenn? I think I was just on hold. That's so good. I could hear some lovely music. What was the last thing you heard me say? Yep. Yeah. Correct. Perfect. So you'll have the two accounts open for a very short period of time. It does take about a week or two for that for the funds to be rolled over into the TTR pension there. The benefit is we don't have to sell anything down to do that. Everything is sort of rolled over in what's called an in specie transfer. So if you have, say, Vanguard in your super, we can roll Vanguard over into the pension account to make it a much quicker and a streamlined process there. It does just take hub generally about sort of a week or two to complete the process. And the the team, if you decide to take on the advice here, they will send you an application, which will just require your bank details so we can have the pension payment paid down to you as well. Okay? Perfect. Essentially, having a bit of a look, once that is all done and, look, there are great advantages to doing this by taking this money out of super. It is important to note that you will have that 52,350 less in super than you did prior, but you'll also have reduced your mortgage to basically nothing as well. And your mortgage is a nondeductible debt, and having no mortgage left means you've got excess money to be able to pay for other bills, expenditure, and things like that as well. Okay? Once you have drawn down that 52,350, unfortunately, you're not able to draw down any more for this financial year. But come next financial year, if you find you need anything additional, we can always look at revamping the strategy again then for you as well. Okay? Perfect. No. That's absolutely fine. All good. Alternatives considered, we did look at just not doing the strategy or looking at providing cash flow and budgeting advice. However, you guys send this money now to pay down the mortgage. So following through with the strategy and and finding a way to draw the money out of this account for you put you in a better position, and get that mortgage sorted out now so we're not risking any large interest rate rises again over the next coming weeks for you. Okay? Perfect. Now as I mentioned, once that drawdown has been completed, we will then roll the funds back from the pension into accumulations. Everything will go back into your existing super account there. You'll be left with only one account, and in the meantime, all of your contributions can be still going in, which is fantastic. We did look at other super funds to make sure that everything was working better. However, doing this within hub twenty four and retained the fund is still in your best interest as you don't have to move money around too much. It is a much faster process to have this completed for you as well. Okay? One of the things we did also talk about was altering the investments within the account there for you. So we did talk about how Banna Long is down quite significantly, and we also talked about, you know, maybe finding something else in to replace that with. We have done once we've rolled the funds back into accumulation and everything is there in the one place, we are also going to remove Banna Long Australian equities from your investment platform, and we're gonna replace it with the BetaShares Aussie two hundred. So this is essentially more of a passively managed fund instead of having some active management there. It is still giving you exposure to the top 200 companies within Australia, so you still have your Australian equities exposure. It's just about making sure that you're in an investment that has had a greater track record so that we can access greater potential returns down the track for you as well. Okay? Perfect. Yeah. The withdrawal. Yeah. That's correct. The withdrawal first. That way you get the money nice and quick, and then we can, you know, do all the transfers and and ultimately give investments after that time frame for you. Okay? Perfect. We also did talk about looking at removing the bank hybrid. So that is something that is being phased out in the future by the in the regulatory landscape. So we are looking at removing that for you now and just replacing that. Essentially, in your super fund, you do have the core composite bonds. So taking out the bank hybrids, we're just gonna increase the exposure into the core composite bonds. You'll see it on your super fund. It's got the ticket code IAF. That is still giving you access to the defensive investments looking at fixed interest and bonds. That's mostly just corporate and government bonds. And it's just about removing that bank hybrid sort of investment while we can before we have to. And utilizing because that along is down, there are some losses that we can utilize to offset the gains for switching out of the bank hybrids into the core composite bonds for you as well. Okay? Perfect. We did go through that and double check these CDT consequences for you. So we do expect, essentially, the CDT consequences for going through the process and making the change. We estimate to be about $1,829. That's essentially just the capital gains cost that your super fund will have to account for you. One of the things we did talk about last time was looking at our new SMA product, and we absolutely did do that for you. I've discounted and not put you into that product because the CGT consequences were over $8,000 for you. So I didn't wanna be moving money into pension, drawing money out of the system, and then rolling you back in and changing your investments too drastically to have a larger CGT consequence. So I thought just when we looked at the options, making smaller changes to your investment options had a smaller CGT consequence for you and was putting you in a better position moving forward with that drawdown as well. Does that make sense? Yeah. Yeah. Yep. Absolutely. Yeah. Absolutely. We can more than happy to look at that down the track again for you. I just didn't think withdrawing '52 or $1,000 out than having an $8,000 capital gains bill for your super fund was gonna provide any kind of benefit to you. But we can absolutely do that. So once we get this completed, we'll do your next annual review, and then we can always review going into the SMA then for you and what the tax consequences might look like. Okay? Yeah. Perfect. You'll see in the document here as you are going to, we do have a bit of a table that explains what we are selling and buying. So we are, as part of this, doing a bit of a rebalance there, but we are selling quite a few of your investments. We do make them red and green so you can see the differences there. We'll be selling some of the battery and lithium tech, all of your Benelon Australian equities, all of the bank hybrids, a little bit of physical gold, putting more money into your iShares core composite bond, selling some of the S and P 500 sorry. Some of the Aussie 200, some ClearBridge, and just making sure that everything is all in line with what it should be. Okay? Pardon me. Sorry. All good. At the end of the day, once we complete the entire strategy, keeping you back in the super, even with the drawdowns and the ultra in the investments, we'll still see you in that seventy thirty split, which is giving you that balanced growth risk tolerance, and that sort of suits your time horizon for where you are at the moment, and that will kind of keep you in that area. So you're still in that comfort level with your growth and defensive investments there. The last thing, notably, is we did talk about increasing your contributions back into super. So once you've completed the strategy, you've paid down your mortgage. So you also wanted to look at increasing those contributions back, increasing them to about, sorry, $330 on a fortnightly basis. So we have recommended that once we complete the strategy with the drawdown, move everything back into the investments with that, we do then start to salary sacrifice in at that $330 on a fortnightly basis. That's essentially meaning you get to increase your contributions back in. It gives you a sorry. I've actually got a table in here when you are looking at the documents to make it a bit easier for you. But it's on page 27. It certainly shows that with your starting salary of a 106,747, your current contributions in are about 6,500 on a yearly basis. By increasing that by that 330, we increase it to about 8,580, which is fantastic. Oh, sorry. That's the salary sacrifice your current to where you will be. It essentially helps to reduce your taxable income that is estimated. This is just basically estimated because we don't also factor in any of your tax deductions that your accountant can also include, but it does actually reduce your taxable income or approximate taxable income to about 98,167. So it helps to reduce the income tax that you are paying, but also puts a bit more industry for so you are building it back again. When we look at the consequences of withdrawing the funds out, while salary sacrifice will help you to build that back up, it never actually puts you back in the position you would have been had you not withdrawn those funds out initially. Okay? But it will help to build it back as we are putting more money back into super thereafter and still has a greater benefit for you over the longer term. One of the things I did also look at for you was the difference, and I've got the table in here for you, essentially, the difference between where you are now with your current balance, with your current salary sacrifice arrangement, your current contributions going in, and the current investment portfolio. If you did not, over the next sort of five years, withdraw these funds, we can project that forward showing you you could end up with about 895,515 in your super By taking out the 52,350, by also then maneuvering and changing the investments and cementing the CGT consequences of January, Essentially, with the portfolio, it's working slightly higher than what the current portfolio is, which will also put you in a bit of a benefit there, but then also increasing your contributions. Over the next five years, we can project that forward to give you roughly 870,982. So when you consider where you are now in projecting forward versus the recommended in projecting forward, it's only really giving you a difference of about 24,533. So from where you are now, the negative effect of taking on the advice is putting you backwards about 24,533. So it's not a massive difference. And in doing that, you've increased your salary sacrifice. You've changed your portfolio to something that's performing slightly better, and you've also drawn those funds down to pay your mortgage down. Does that make sense? Yeah. Yep. Yeah. Yeah. Yep. Yeah. Yeah. Absolutely. And, look, you're increasing your salary sacrifice pretty substantially from the 6,500 per year to 8,580. So it's making a much bigger difference for you. You'll be able to reduce your income tax slightly there as well. And like I said, you don't actually put yourself back in the position you were, but it does help to kinda build the gap a little bit for you. In the document, I do also account for the income side of things, the retirement income side of things, because you are only about five years out. It is just in there as a you know, this is what we expect on a limited scope basis, but it essentially shows you that by following the advice there with having paid the mortgage down. I know in retirement, you sort of weren't sure last time we spoke how much to be able to draw down, but this sort of shows you and we've kinda factored into, you know, given depending on how you are at the age of 67, if you're eligible for any kind of Centrelink, So long as you are, we can actually project it out knowing that you should be able to, based on the projection, draw an income of about 69,881, and we'll have your super last until about the age of 90 with incorporating a little bit of Centrelink in there for you. So it does help you give a bit more longevity out of your super. This is something that's only in here as a bit of a this is the effect and the projected outcome on your retirement based on the recommendations we're making now, and we'll keep monitoring and updating those with you on a regular basis so that when you get to retirement, we have a better understanding of what to do. But this is just in there to kinda give you an idea of what we see and what the projected outcome looks like for you to give you an idea of where we can see things traveling towards at the moment. Yeah. Yeah. Yeah. Absolutely. Yeah. Absolutely. Yeah. Absolutely. I know it's a lot. I've probably just gone through a lot with you, and it's always harder when you're not sort of looking at the document because I'm trying to sort of make sure I'm not adding too much to you but hitting the points that I have to hit. But it does add you into a really good position, and removing that mortgage out of the way just to make things a little bit easier for you as well. One less bill or one less debt to worry about, and then you can sort of put your expendable cash flow, a, back into your super, but also into other things for your family as well. So Yeah. Yeah. Fantastic. Wait till you see it. Not a worry at all. Easy. Yeah. Yes. It solidifies it. Yeah. Yeah. Yeah. Perfect. All good. The last thing I just wanted to let you know about is the benefit side of things. So we did sort of talk and touch base that you do want to make sure that if in the event you would have passed away, your super is paid out to Karen to your spouse if anything was to happen. When I did go back and do the research on your super fund at the moment, you have a non binding nomination. Now that essentially means that if in the event you would have passed away, you've nominated Karen to receive the funds for you. However, it is up to the trustee. By having a non binding nomination, it's not binding the trustee to follow the direction. It's essentially just letting them know this is what you would like to happen, but they get to make the final decision. So what I have also recommended is that we alter that nomination still for Karen because she gets a 100% of it, but we're gonna nominate it as a binding, nonlapsing nomination for you. So that will bind the trustee to follow your direction. And nonlapsing means you fill out one nomination. You don't have to fill out another one again unless your circumstances change. So it's giving you a little bit more certainty that if in the event something was to happen, that the the proceeds are paid as per your wishes, and the trustee needs to follow that direction for you as well. Okay? Yeah. Oh, good. The only other thing I've added in there is just making sure that you guys do have a will and power of attorney up to date. It was something we sort of touched base on. You don't, from what I understand, don't have a will or power of attorney. So as part of this, we do make the recommendation to speak to a solicitor, and I can get my team to send through an email as part of the implementation process just with some details on a local solicitor that we can refer you to, and it has a bit of costing on how much they charge to do the wheels for you as well. Okay? Yeah. Yep. Uh-huh. Yeah. Absolutely. I can even get them to post it to you as well. That way, we make sure it comes through. It might take a little bit longer, but it's just another way to get that sorted for you. But we'll take some time to have a really good read to the document there. I do also have PDF documents attached for your hub 24, the super and pension side of things. I've also got an appendices attached to the document as well. It just sort of runs you through the research that we conducted to kinda give you an idea of other things that we've considered. And I've got in there I've run through some of the advantages, disadvantages, and alternatives, but this, as you're reading through, does sorta consider the full advantages, disadvantages, risks involved, and alternatives considered. So you can really get an understanding of your circumstances, why we've made the recommendation, and just making sure you're fully informed before you decide to take on that advice there. Okay? That's you do. You do. No. Look. Honestly, I'm really happy that we've been able to do this for you. It's a great strategy. I actually really enjoy these sorts of things, so thank you for the opportunity to put it together for you. Have some time. If you or Karen have any questions, you're welcome to let me know. I'll always make time to have a chat and work it out work it through with you. Okay? Oh, thanks so much. Lovely. Yeah. Yeah. Right. What's his name? Oh, yes. I do know that. Yeah. I'll send him an email, give him a little update. I'm doing something quite big for him, so it takes a little bit. And I promised him it would take a bit. But I'll I'll shoot him an email today and give him a little bit of an update for him. Easy. Oh, good. Not you at all, Glenn. Not it's completely up to you. What I would probably say is have a read through the document first. If you find you do have any questions, let us know. We'll book in a time to follow-up. If you don't have any questions, you're happy just to sign it. Just you can then just sign it, return it back, and we will get the team to follow-up and go to the implementation side of things with you. Okay? Yeah. That's okay. Yeah. No. Not a problem at all. Thank you. I I love what I do. This is fantastic. But, no, thank you so much for the opportunity to put this together for you. And this is a new starting point. This is these advice pieces will need to evolve as your life evolves a long way, so absolutely Yeah. Yeah. No. No. That's okay. Not a problem at all. The only other thing I'd probably ask of you, Glenn, has anyone sort of sent you a message and asked you to leave a little bit of a a Google review on our website at all? Yep. That's okay. Yeah. Perfect. I'll get the team to send that one through to you if that's okay. Just because we are, you know, a small business, it's important to have word-of-mouth out there. So that would be fabulous if you could do that for me, and I'll get the team to email those details through for you. Thank you so much for your time today. I'll let you go if you have a good afternoon. Thanks. See you later. 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to IP Financial. This is Jacob speaking. Oh, no. That's okay, Glenn. No worries at all.\n\nWhat was your last name? Yep. Give me one second, Glenn. I'll just bring up your profile. Cool, Glenn.\n\nNo worries. I'll just get you to confirm your client password on file here for us. Yeah. Yep. That's the one.\n\nI had a prompt here as your eldest child as well. So you're still happy to keep that one, Glenn? Yep. No worries, Glenn. That's all good.\n\nSo you had an appointment with Dana. Give me one second. Dana's just giving me the thumbs up, so I'll transfer you through to her now. Okay. Thanks, Glenn.\n\nI'm transferring now. Hi, Glenn. It's Dana. How are you this afternoon? That's honestly okay.\n\nIt was a bit weird on my end too because I couldn't even hear the phone ringing on your end, but it kind of pretended like I could see it trying to dial out, and then it went through the message bank. So I thought I'll send you a text message because at least then if you're out of reception or if it's my phone, at least then you know it was me, and we've tried to call and you can call back when you're good. So easy. Gwen, do you happen to have access to emails there at the moment at all? If you don't, that's okay.\n\nYeah. Yep. That's that's alright. Do you want me just to run through the recommendations there for you? It is basically what we discussed, and then I've emailed it through to you for you to have a look at a bit later on.\n\nDoes that work for you? Yeah. Fantastic. Well, I've sent the email through, so those documents will be in your inbox there as well. I did also have a quick look back, and it looks like our team have emailed through some annual review documents to you a few days ago as well.\n\nSo I've done sent two Odoo signs back to you. They'll both be at the top of your inbox. One of them will be the the statement of advice, and the other one's just your annual review doc. So if you can have a look at all those and flick them back and sign them if you're comfortable to, that'll just sort of help us along a bit. Okay?\n\nExcellent. Now with this one here, Glenn, just to let you know, this statement of advice has been prepared by myself, Daniel Taylor. I'm an authorized representative under OV Financial's Australian Financial Services license, and my license number registered with us is 130 4394. Okay? Beautiful.\n\nNow with regard to the scope of advice, we have scoped in areas regarding around superannuation, estate planning, and also looking at debt management. So one of the things that we discussed was that you wanted to try and pay on your mortgage as much as possible. You are at about 65,664. Wanted to try and access a bit of money out of super to pay that debt down so you didn't have those expenses ahead of you, and you could focus on your wife's health moving forward. Does that still sound fairly accurate?\n\nOh, fantastic. Yeah. Fantastic. That actually is gonna help you quite significantly. Excellent.\n\nWe've also scoped in areas of superannuation. So we also looked at reviewing the investments and not only how to withdraw the funds out so you can pay down the mortgage a bit, but also what to do with the investments inside of super to make sure that they're working harder for you at the same time and also the estate planning side of things. So I did have a look on your file. You do have a a nonbinding nomination there. You did wanna make sure if anything happens to you that your super is paid out to your wife to cover expenses and things like that.\n\nI've actually made a recommendation to alter that nomination as a nonbinding nomination kind of leaves it in the hands of the trustee. So what I'm gonna recommend, I'll show you it below, is just giving you more certainty around making sure that the benefit is paid out in your favor. Okay? Beautiful. It's important to note that any recommendations we do make are made under the best interest duty.\n\nIt's about making sure that we're here to meet your goals, that with the recommendations that in your best interest, that we're putting you in a positive position after these recommendations are made. Okay? Beautiful. So I'll just run through them fairly briefly for you so as not to overwhelm you too much. Essentially, what I'll then get you to do is have a reach for the document a bit later on, weigh up your options, have a look at the advantages, disadvantages, and the risks involved, and then you're welcome to let me know if you do have any additional questions there.\n\nOkay? Perfect. Easy done. Now, essentially, with the recommendations here, we are recommending to start with that. We do move some money into that TTR pension that we discussed the other day, essentially, in order for you to be out of door down the funds required to be able to reduce the debt on your mortgage, we do have to give in your agents stage to utilize that transit retirement pension account.\n\nWith the, with the super at the moment, we do have to leave 16,000 behind in the accumulation. So we open up a second account, which is the trans transition to retirement pension account. We estimate that that'll be open with about 50 sorry. 500 and 23,000 and 500. Then you're able to draw down the maximum 10% for this financial year, which allows you to draw down fifty two thousand three hundred and fifty, and that will hopefully pay down the mortgage pretty significantly after you've made that nice big $10,000 lump sum payment there.\n\nOkay? Absolutely. One less thing to worry about. Perfect. Now once that pension payment has been drawn down, because even the two accounts open does mean that you do pay too lots of, like, administration fees, investment fees, we wanna close it off.\n\nOnce you've accessed that full 10%, you're no longer able to access anything further for this financial year. So we'll roll the funds back over from the pension into the accumulation account and have everything back in your super there. Okay? Whilst this is going through, we still keep the super open with the 16,000 in there. Your contributions can still be going in as normal.\n\nThat will all stay exactly the same for you. Okay? When you there, Glenn? I think I was just on hold. That's so good.\n\nI could hear some lovely music. What was the last thing you heard me say? Yep. Yeah. Correct.\n\nPerfect. So you'll have the two accounts open for a very short period of time. It does take about a week or two for that for the funds to be rolled over into the TTR pension there. The benefit is we don't have to sell anything down to do that. Everything is sort of rolled over in what's called an in specie transfer.\n\nSo if you have, say, Vanguard in your super, we can roll Vanguard over into the pension account to make it a much quicker and a streamlined process there. It does just take hub generally about sort of a week or two to complete the process. And the the team, if you decide to take on the advice here, they will send you an application, which will just require your bank details so we can have the pension payment paid down to you as well. Okay? Perfect.\n\nEssentially, having a bit of a look, once that is all done and, look, there are great advantages to doing this by taking this money out of super. It is important to note that you will have that 52,350 less in super than you did prior, but you'll also have reduced your mortgage to basically nothing as well. And your mortgage is a nondeductible debt, and having no mortgage left means you've got excess money to be able to pay for other bills, expenditure, and things like that as well. Okay? Once you have drawn down that 52,350, unfortunately, you're not able to draw down any more for this financial year.\n\nBut come next financial year, if you find you need anything additional, we can always look at revamping the strategy again then for you as well. Okay? Perfect. No. That's absolutely fine.\n\nAll good. Alternatives considered, we did look at just not doing the strategy or looking at providing cash flow and budgeting advice. However, you guys send this money now to pay down the mortgage. So following through with the strategy and and finding a way to draw the money out of this account for you put you in a better position, and get that mortgage sorted out now so we're not risking any large interest rate rises again over the next coming weeks for you. Okay?\n\nPerfect. Now as I mentioned, once that drawdown has been completed, we will then roll the funds back from the pension into accumulations. Everything will go back into your existing super account there. You'll be left with only one account, and in the meantime, all of your contributions can be still going in, which is fantastic. We did look at other super funds to make sure that everything was working better.\n\nHowever, doing this within hub twenty four and retained the fund is still in your best interest as you don't have to move money around too much. It is a much faster process to have this completed for you as well. Okay? One of the things we did also talk about was altering the investments within the account there for you. So we did talk about how Banna Long is down quite significantly, and we also talked about, you know, maybe finding something else in to replace that with.\n\nWe have done once we've rolled the funds back into accumulation and everything is there in the one place, we are also going to remove Banna Long Australian equities from your investment platform, and we're gonna replace it with the BetaShares Aussie two hundred. So this is essentially more of a passively managed fund instead of having some active management there. It is still giving you exposure to the top 200 companies within Australia, so you still have your Australian equities exposure. It's just about making sure that you're in an investment that has had a greater track record so that we can access greater potential returns down the track for you as well. Okay?\n\nPerfect. Yeah. The withdrawal. Yeah. That's correct.\n\nThe withdrawal first. That way you get the money nice and quick, and then we can, you know, do all the transfers and and ultimately give investments after that time frame for you. Okay? Perfect. We also did talk about looking at removing the bank hybrid.\n\nSo that is something that is being phased out in the future by the in the regulatory landscape. So we are looking at removing that for you now and just replacing that. Essentially, in your super fund, you do have the core composite bonds. So taking out the bank hybrids, we're just gonna increase the exposure into the core composite bonds. You'll see it on your super fund.\n\nIt's got the ticket code IAF. That is still giving you access to the defensive investments looking at fixed interest and bonds. That's mostly just corporate and government bonds. And it's just about removing that bank hybrid sort of investment while we can before we have to. And utilizing because that along is down, there are some losses that we can utilize to offset the gains for switching out of the bank hybrids into the core composite bonds for you as well.\n\nOkay? Perfect. We did go through that and double check these CDT consequences for you. So we do expect, essentially, the CDT consequences for going through the process and making the change. We estimate to be about $1,829.\n\nThat's essentially just the capital gains cost that your super fund will have to account for you. One of the things we did talk about last time was looking at our new SMA product, and we absolutely did do that for you. I've discounted and not put you into that product because the CGT consequences were over $8,000 for you. So I didn't wanna be moving money into pension, drawing money out of the system, and then rolling you back in and changing your investments too drastically to have a larger CGT consequence. So I thought just when we looked at the options, making smaller changes to your investment options had a smaller CGT consequence for you and was putting you in a better position moving forward with that drawdown as well.\n\nDoes that make sense? Yeah. Yeah. Yep. Absolutely.\n\nYeah. Absolutely. We can more than happy to look at that down the track again for you. I just didn't think withdrawing '52 or $1,000 out than having an $8,000 capital gains bill for your super fund was gonna provide any kind of benefit to you. But we can absolutely do that.\n\nSo once we get this completed, we'll do your next annual review, and then we can always review going into the SMA then for you and what the tax consequences might look like. Okay? Yeah. Perfect. You'll see in the document here as you are going to, we do have a bit of a table that explains what we are selling and buying.\n\nSo we are, as part of this, doing a bit of a rebalance there, but we are selling quite a few of your investments. We do make them red and green so you can see the differences there. We'll be selling some of the battery and lithium tech, all of your Benelon Australian equities, all of the bank hybrids, a little bit of physical gold, putting more money into your iShares core composite bond, selling some of the S and P 500 sorry. Some of the Aussie 200, some ClearBridge, and just making sure that everything is all in line with what it should be. Okay?\n\nPardon me. Sorry. All good. At the end of the day, once we complete the entire strategy, keeping you back in the super, even with the drawdowns and the ultra in the investments, we'll still see you in that seventy thirty split, which is giving you that balanced growth risk tolerance, and that sort of suits your time horizon for where you are at the moment, and that will kind of keep you in that area. So you're still in that comfort level with your growth and defensive investments there.\n\nThe last thing, notably, is we did talk about increasing your contributions back into super. So once you've completed the strategy, you've paid down your mortgage. So you also wanted to look at increasing those contributions back, increasing them to about, sorry, $330 on a fortnightly basis. So we have recommended that once we complete the strategy with the drawdown, move everything back into the investments with that, we do then start to salary sacrifice in at that $330 on a fortnightly basis. That's essentially meaning you get to increase your contributions back in.\n\nIt gives you a sorry. I've actually got a table in here when you are looking at the documents to make it a bit easier for you. But it's on page 27. It certainly shows that with your starting salary of a 106,747, your current contributions in are about 6,500 on a yearly basis. By increasing that by that 330, we increase it to about 8,580, which is fantastic.\n\nOh, sorry. That's the salary sacrifice your current to where you will be. It essentially helps to reduce your taxable income that is estimated. This is just basically estimated because we don't also factor in any of your tax deductions that your accountant can also include, but it does actually reduce your taxable income or approximate taxable income to about 98,167. So it helps to reduce the income tax that you are paying, but also puts a bit more industry for so you are building it back again.\n\nWhen we look at the consequences of withdrawing the funds out, while salary sacrifice will help you to build that back up, it never actually puts you back in the position you would have been had you not withdrawn those funds out initially. Okay? But it will help to build it back as we are putting more money back into super thereafter and still has a greater benefit for you over the longer term. One of the things I did also look at for you was the difference, and I've got the table in here for you, essentially, the difference between where you are now with your current balance, with your current salary sacrifice arrangement, your current contributions going in, and the current investment portfolio. If you did not, over the next sort of five years, withdraw these funds, we can project that forward showing you you could end up with about 895,515 in your super By taking out the 52,350, by also then maneuvering and changing the investments and cementing the CGT consequences of January, Essentially, with the portfolio, it's working slightly higher than what the current portfolio is, which will also put you in a bit of a benefit there, but then also increasing your contributions.\n\nOver the next five years, we can project that forward to give you roughly 870,982. So when you consider where you are now in projecting forward versus the recommended in projecting forward, it's only really giving you a difference of about 24,533. So from where you are now, the negative effect of taking on the advice is putting you backwards about 24,533. So it's not a massive difference. And in doing that, you've increased your salary sacrifice.\n\nYou've changed your portfolio to something that's performing slightly better, and you've also drawn those funds down to pay your mortgage down. Does that make sense? Yeah. Yep. Yeah.\n\nYeah. Yep. Yeah. Yeah. Absolutely.\n\nAnd, look, you're increasing your salary sacrifice pretty substantially from the 6,500 per year to 8,580. So it's making a much bigger difference for you. You'll be able to reduce your income tax slightly there as well. And like I said, you don't actually put yourself back in the position you were, but it does help to kinda build the gap a little bit for you. In the document, I do also account for the income side of things, the retirement income side of things, because you are only about five years out.\n\nIt is just in there as a you know, this is what we expect on a limited scope basis, but it essentially shows you that by following the advice there with having paid the mortgage down. I know in retirement, you sort of weren't sure last time we spoke how much to be able to draw down, but this sort of shows you and we've kinda factored into, you know, given depending on how you are at the age of 67, if you're eligible for any kind of Centrelink, So long as you are, we can actually project it out knowing that you should be able to, based on the projection, draw an income of about 69,881, and we'll have your super last until about the age of 90 with incorporating a little bit of Centrelink in there for you. So it does help you give a bit more longevity out of your super. This is something that's only in here as a bit of a this is the effect and the projected outcome on your retirement based on the recommendations we're making now, and we'll keep monitoring and updating those with you on a regular basis so that when you get to retirement, we have a better understanding of what to do.\n\nBut this is just in there to kinda give you an idea of what we see and what the projected outcome looks like for you to give you an idea of where we can see things traveling towards at the moment. Yeah. Yeah. Yeah. Absolutely.\n\nYeah. Absolutely. Yeah. Absolutely. I know it's a lot.\n\nI've probably just gone through a lot with you, and it's always harder when you're not sort of looking at the document because I'm trying to sort of make sure I'm not adding too much to you but hitting the points that I have to hit. But it does add you into a really good position, and removing that mortgage out of the way just to make things a little bit easier for you as well. One less bill or one less debt to worry about, and then you can sort of put your expendable cash flow, a, back into your super, but also into other things for your family as well. So Yeah. Yeah.\n\nFantastic. Wait till you see it. Not a worry at all. Easy. Yeah.\n\nYes. It solidifies it. Yeah. Yeah. Yeah.\n\nPerfect. All good. The last thing I just wanted to let you know about is the benefit side of things. So we did sort of talk and touch base that you do want to make sure that if in the event you would have passed away, your super is paid out to Karen to your spouse if anything was to happen. When I did go back and do the research on your super fund at the moment, you have a non binding nomination.\n\nNow that essentially means that if in the event you would have passed away, you've nominated Karen to receive the funds for you. However, it is up to the trustee. By having a non binding nomination, it's not binding the trustee to follow the direction. It's essentially just letting them know this is what you would like to happen, but they get to make the final decision. So what I have also recommended is that we alter that nomination still for Karen because she gets a 100% of it, but we're gonna nominate it as a binding, nonlapsing nomination for you.\n\nSo that will bind the trustee to follow your direction. And nonlapsing means you fill out one nomination. You don't have to fill out another one again unless your circumstances change. So it's giving you a little bit more certainty that if in the event something was to happen, that the the proceeds are paid as per your wishes, and the trustee needs to follow that direction for you as well. Okay?\n\nYeah. Oh, good. The only other thing I've added in there is just making sure that you guys do have a will and power of attorney up to date. It was something we sort of touched base on. You don't, from what I understand, don't have a will or power of attorney.\n\nSo as part of this, we do make the recommendation to speak to a solicitor, and I can get my team to send through an email as part of the implementation process just with some details on a local solicitor that we can refer you to, and it has a bit of costing on how much they charge to do the wheels for you as well. Okay? Yeah. Yep. Uh-huh.\n\nYeah. Absolutely. I can even get them to post it to you as well. That way, we make sure it comes through. It might take a little bit longer, but it's just another way to get that sorted for you.\n\nBut we'll take some time to have a really good read to the document there. I do also have PDF documents attached for your hub 24, the super and pension side of things. I've also got an appendices attached to the document as well. It just sort of runs you through the research that we conducted to kinda give you an idea of other things that we've considered. And I've got in there I've run through some of the advantages, disadvantages, and alternatives, but this, as you're reading through, does sorta consider the full advantages, disadvantages, risks involved, and alternatives considered.\n\nSo you can really get an understanding of your circumstances, why we've made the recommendation, and just making sure you're fully informed before you decide to take on that advice there. Okay? That's you do. You do. No.\n\nLook. Honestly, I'm really happy that we've been able to do this for you. It's a great strategy. I actually really enjoy these sorts of things, so thank you for the opportunity to put it together for you. Have some time.\n\nIf you or Karen have any questions, you're welcome to let me know. I'll always make time to have a chat and work it out work it through with you. Okay? Oh, thanks so much. Lovely.\n\nYeah. Yeah. Right. What's his name? Oh, yes.\n\nI do know that. Yeah. I'll send him an email, give him a little update. I'm doing something quite big for him, so it takes a little bit. And I promised him it would take a bit.\n\nBut I'll I'll shoot him an email today and give him a little bit of an update for him. Easy. Oh, good. Not you at all, Glenn. Not it's completely up to you.\n\nWhat I would probably say is have a read through the document first. If you find you do have any questions, let us know. We'll book in a time to follow-up. If you don't have any questions, you're happy just to sign it. Just you can then just sign it, return it back, and we will get the team to follow-up and go to the implementation side of things with you.\n\nOkay? Yeah. That's okay. Yeah. No.\n\nNot a problem at all. Thank you. I I love what I do. This is fantastic. But, no, thank you so much for the opportunity to put this together for you.\n\nAnd this is a new starting point. This is these advice pieces will need to evolve as your life evolves a long way, so absolutely Yeah. Yeah. No. No.\n\nThat's okay. Not a problem at all. The only other thing I'd probably ask of you, Glenn, has anyone sort of sent you a message and asked you to leave a little bit of a a Google review on our website at all? Yep. That's okay.\n\nYeah. Perfect. I'll get the team to send that one through to you if that's okay. Just because we are, you know, a small business, it's important to have word-of-mouth out there. So that would be fabulous if you could do that for me, and I'll get the team to email those details through for you.\n\nThank you so much for your time today. I'll let you go if you have a good afternoon. Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Welcome to IP Financial.","start":1.76,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.14983348734676838},{"text":"This is Jacob speaking.","start":3.1999998,"end":4.34,"sentiment":"neutral","sentiment_score":0.09209103882312775},{"text":"Oh, no.","start":17.255001,"end":17.735,"sentiment":"neutral","sentiment_score":-0.027540287002921104},{"text":"That's okay, Glenn.","start":17.735,"end":18.535,"sentiment":"neutral","sentiment_score":0.09888283163309097},{"text":"No worries at all.","start":18.535,"end":19.415,"sentiment":"neutral","sentiment_score":0.05402123089879751}],"sentiment":"neutral","sentiment_score":0.08384417348048266,"num_words":17,"start":1.76,"end":19.415},{"sentences":[{"text":"What was your last name?","start":19.415,"end":20.715,"sentiment":"neutral","sentiment_score":0.020759310573339462},{"text":"Yep.","start":23.814999,"end":24.314999,"sentiment":"neutral","sentiment_score":0.054241813719272614},{"text":"Give me one second, Glenn.","start":24.375,"end":25.89,"sentiment":"neutral","sentiment_score":0.07556087076663971},{"text":"I'll just bring up your profile.","start":25.89,"end":27.67,"sentiment":"neutral","sentiment_score":0.09658359984556834},{"text":"Cool, Glenn.","start":31.81,"end":32.629997,"sentiment":"positive","sentiment_score":0.3501976579427719}],"sentiment":"neutral","sentiment_score":0.09556524396726959,"num_words":19,"start":19.415,"end":32.629997},{"sentences":[{"text":"No worries.","start":32.77,"end":33.51,"sentiment":"neutral","sentiment_score":0.1520383283495903},{"text":"I'll just get you to confirm your client password on file here for us.","start":33.89,"end":37.905,"sentiment":"neutral","sentiment_score":0.1406961360148021},{"text":"Yeah.","start":42.625,"end":43.024998,"sentiment":"neutral","sentiment_score":0.08599451184272766},{"text":"Yep.","start":43.024998,"end":43.344997,"sentiment":"neutral","sentiment_score":0.10841076076030733},{"text":"That's the one.","start":43.344997,"end":44.065,"sentiment":"neutral","sentiment_score":0.21371887624263763}],"sentiment":"neutral","sentiment_score":0.14806592677320754,"num_words":21,"start":32.77,"end":44.065},{"sentences":[{"text":"I had a prompt here as your eldest child as well.","start":44.065,"end":46.864998,"sentiment":"positive","sentiment_score":0.5515566061843525},{"text":"So you're still happy to keep that one, Glenn?","start":46.864998,"end":48.805,"sentiment":"positive","sentiment_score":0.40331396129396224},{"text":"Yep.","start":49.824997,"end":50.225,"sentiment":"neutral","sentiment_score":0.13890153169631958},{"text":"No worries, Glenn.","start":50.225,"end":51.024998,"sentiment":"neutral","sentiment_score":0.23641187946001688},{"text":"That's all good.","start":51.024998,"end":51.585,"sentiment":"positive","sentiment_score":0.558040996392568}],"sentiment":"positive","sentiment_score":0.45256327699731896,"num_words":27,"start":44.065,"end":51.585},{"sentences":[{"text":"So you had an appointment with Dana.","start":51.585,"end":53.605,"sentiment":"neutral","sentiment_score":0.3043423295021057},{"text":"Give me one second.","start":55.56,"end":56.86,"sentiment":"neutral","sentiment_score":0.22910692915320396},{"text":"Dana's just giving me the thumbs up, so I'll transfer you through to her now.","start":57.08,"end":60.86,"sentiment":"neutral","sentiment_score":0.2781410406033198},{"text":"Okay.","start":62.68,"end":63.08,"sentiment":"neutral","sentiment_score":0.2751235365867615},{"text":"Thanks, Glenn.","start":63.08,"end":63.800003,"sentiment":"positive","sentiment_score":0.378571480512619}],"sentiment":"neutral","sentiment_score":0.2845243493030811,"num_words":29,"start":51.585,"end":63.800003},{"sentences":[{"text":"I'm transferring now.","start":63.800003,"end":65.1,"sentiment":"neutral","sentiment_score":0.28287320335706073},{"text":"Hi, Glenn.","start":72.935,"end":73.575,"sentiment":"neutral","sentiment_score":0.21822452545166016},{"text":"It's Dana.","start":73.575,"end":74.134995,"sentiment":"neutral","sentiment_score":0.2285936325788498},{"text":"How are you this afternoon?","start":74.134995,"end":75.354996,"sentiment":"neutral","sentiment_score":0.2772835850715637},{"text":"That's honestly okay.","start":83.03001,"end":84.55,"sentiment":"neutral","sentiment_score":-0.06403497109810512}],"sentiment":"neutral","sentiment_score":0.19577126254638036,"num_words":15,"start":63.800003,"end":84.55},{"sentences":[{"text":"It was a bit weird on my end too because I couldn't even hear the phone ringing on your end, but it kind of pretended like I could see it trying to dial out, and then it went through the message bank.","start":84.55,"end":94.125,"sentiment":"neutral","sentiment_score":-0.29713064680496853},{"text":"So I thought I'll send you a text message because at least then if you're out of reception or if it's my phone, at least then you know it was me, and we've tried to call and you can call back when you're good.","start":94.125,"end":103.965,"sentiment":"neutral","sentiment_score":-0.1466326955705881},{"text":"So easy.","start":103.965,"end":108.08,"sentiment":"neutral","sentiment_score":0.06469999998807907},{"text":"Gwen, do you happen to have access to emails there at the moment at all?","start":108.14,"end":111.76,"sentiment":"neutral","sentiment_score":-0.002877163980156183},{"text":"If you don't, that's okay.","start":113.82,"end":115.44,"sentiment":"neutral","sentiment_score":-0.05241198427975178}],"sentiment":"neutral","sentiment_score":-0.17691799214851386,"num_words":108,"start":84.55,"end":115.44},{"sentences":[{"text":"Yeah.","start":115.5,"end":116.0,"sentiment":"neutral","sentiment_score":0.07004416733980179},{"text":"Yep.","start":116.06,"end":116.56,"sentiment":"neutral","sentiment_score":0.106020025908947},{"text":"That's that's alright.","start":116.94,"end":118.815,"sentiment":"neutral","sentiment_score":0.21176676948865256},{"text":"Do you want me just to run through the recommendations there for you?","start":118.815,"end":121.534996,"sentiment":"neutral","sentiment_score":0.14058170238366494},{"text":"It is basically what we discussed, and then I've emailed it through to you for you to have a look at a bit later on.","start":121.534996,"end":126.735,"sentiment":"neutral","sentiment_score":0.18318647801876067}],"sentiment":"neutral","sentiment_score":0.16787415309700854,"num_words":43,"start":115.5,"end":126.735},{"sentences":[{"text":"Does that work for you?","start":126.735,"end":128.035,"sentiment":"neutral","sentiment_score":0.12934831231832505},{"text":"Yeah.","start":129.69499,"end":130.19499,"sentiment":"positive","sentiment_score":0.5018118619918823},{"text":"Fantastic.","start":130.655,"end":131.155,"sentiment":"positive","sentiment_score":0.7203062176704407},{"text":"Well, I've sent the email through, so those documents will be in your inbox there as well.","start":131.215,"end":135.55,"sentiment":"positive","sentiment_score":0.4014066492809969},{"text":"I did also have a quick look back, and it looks like our team have emailed through some annual review documents to you a few days ago as well.","start":135.84999,"end":142.03,"sentiment":"neutral","sentiment_score":0.22747505327750897}],"sentiment":"neutral","sentiment_score":0.2884820608316727,"num_words":53,"start":126.735,"end":142.03},{"sentences":[{"text":"So I've done sent two Odoo signs back to you.","start":142.48999,"end":146.01,"sentiment":"neutral","sentiment_score":0.2333526387810707},{"text":"They'll both be at the top of your inbox.","start":146.01,"end":147.79,"sentiment":"neutral","sentiment_score":0.23230035271909502},{"text":"One of them will be the the statement of advice, and the other one's just your annual review doc.","start":148.16501,"end":153.125,"sentiment":"neutral","sentiment_score":0.14508385328870071},{"text":"So if you can have a look at all those and flick them back and sign them if you're comfortable to, that'll just sort of help us along a bit.","start":153.125,"end":159.125,"sentiment":"neutral","sentiment_score":0.24606449926892918},{"text":"Okay?","start":159.125,"end":159.625,"sentiment":"neutral","sentiment_score":0.10421876609325408}],"sentiment":"neutral","sentiment_score":0.2125648770859276,"num_words":69,"start":142.48999,"end":159.625},{"sentences":[{"text":"Excellent.","start":161.73,"end":162.23,"sentiment":"positive","sentiment_score":0.6115933656692505},{"text":"Now with this one here, Glenn, just to let you know, this statement of advice has been prepared by myself, Daniel Taylor.","start":162.45,"end":167.65,"sentiment":"neutral","sentiment_score":0.20405148037455298},{"text":"I'm an authorized representative under OV Financial's Australian Financial Services license, and my license number registered with us is 130 4394.","start":167.65,"end":177.295,"sentiment":"neutral","sentiment_score":0.11638987915856498},{"text":"Okay?","start":177.295,"end":177.795,"sentiment":"neutral","sentiment_score":0.1039600595831871},{"text":"Beautiful.","start":179.535,"end":180.035,"sentiment":"positive","sentiment_score":0.5048494935035706}],"sentiment":"neutral","sentiment_score":0.17725484672447908,"num_words":46,"start":161.73,"end":180.035},{"sentences":[{"text":"Now with regard to the scope of advice, we have scoped in areas regarding around superannuation, estate planning, and also looking at debt management.","start":180.255,"end":188.27501,"sentiment":"neutral","sentiment_score":0.09921556850895286},{"text":"So one of the things that we discussed was that you wanted to try and pay on your mortgage as much as possible.","start":188.37,"end":193.33,"sentiment":"neutral","sentiment_score":0.09178880407758382},{"text":"You are at about 65,664.","start":193.33,"end":196.76999,"sentiment":"neutral","sentiment_score":0.04099380001425743},{"text":"Wanted to try and access a bit of money out of super to pay that debt down so you didn't have those expenses ahead of you, and you could focus on your wife's health moving forward.","start":196.76999,"end":205.815,"sentiment":"neutral","sentiment_score":0.24859881132013267},{"text":"Does that still sound fairly accurate?","start":205.815,"end":207.515,"sentiment":"neutral","sentiment_score":0.15680330991744995}],"sentiment":"neutral","sentiment_score":0.1551878957989368,"num_words":94,"start":180.255,"end":207.515},{"sentences":[{"text":"Oh, fantastic.","start":214.455,"end":215.435,"sentiment":"positive","sentiment_score":0.5788610279560089},{"text":"Yeah.","start":216.33,"end":216.83,"sentiment":"neutral","sentiment_score":0.22884751856327057},{"text":"Fantastic.","start":222.01001,"end":222.51001,"sentiment":"positive","sentiment_score":0.8268709182739258},{"text":"That actually is gonna help you quite significantly.","start":222.89,"end":225.07,"sentiment":"positive","sentiment_score":0.7710528373718262},{"text":"Excellent.","start":225.85,"end":226.35,"sentiment":"positive","sentiment_score":0.6516439914703369}],"sentiment":"positive","sentiment_score":0.6948851679380124,"num_words":13,"start":214.455,"end":226.35},{"sentences":[{"text":"We've also scoped in areas of superannuation.","start":227.29001,"end":229.39,"sentiment":"neutral","sentiment_score":0.11211547149079186},{"text":"So we also looked at reviewing the investments and not only how to withdraw the funds out so you can pay down the mortgage a bit, but also what to do with the investments inside of super to make sure that they're working harder for you at the same time and also the estate planning side of things.","start":229.61,"end":243.905,"sentiment":"neutral","sentiment_score":0.11835940182209015},{"text":"So I did have a look on your file.","start":243.905,"end":245.28001,"sentiment":"neutral","sentiment_score":0.062420737826161914},{"text":"You do have a a nonbinding nomination there.","start":245.28001,"end":248.56001,"sentiment":"neutral","sentiment_score":0.06197697902098298},{"text":"You did wanna make sure if anything happens to you that your super is paid out to your wife to cover expenses and things like that.","start":248.56001,"end":255.14001,"sentiment":"neutral","sentiment_score":0.08168021030724049}],"sentiment":"neutral","sentiment_score":0.10028649580285505,"num_words":108,"start":227.29001,"end":255.14001},{"sentences":[{"text":"I've actually made a recommendation to alter that nomination as a nonbinding nomination kind of leaves it in the hands of the trustee.","start":255.52,"end":261.985,"sentiment":"neutral","sentiment_score":0.09488459725094878},{"text":"So what I'm gonna recommend, I'll show you it below, is just giving you more certainty around making sure that the benefit is paid out in your favor.","start":262.60498,"end":270.06497,"sentiment":"neutral","sentiment_score":0.19132012182048388},{"text":"Okay?","start":270.125,"end":270.625,"sentiment":"neutral","sentiment_score":0.08706942200660706},{"text":"Beautiful.","start":272.3,"end":272.8,"sentiment":"positive","sentiment_score":0.5084453225135803},{"text":"It's important to note that any recommendations we do make are made under the best interest duty.","start":272.94,"end":277.68,"sentiment":"neutral","sentiment_score":0.20430070950704463}],"sentiment":"neutral","sentiment_score":0.16582765648407596,"num_words":70,"start":255.52,"end":277.68},{"sentences":[{"text":"It's about making sure that we're here to meet your goals, that with the recommendations that in your best interest, that we're putting you in a positive position after these recommendations are made.","start":277.82,"end":285.765,"sentiment":"positive","sentiment_score":0.3405975116924806},{"text":"Okay?","start":286.08502,"end":286.58502,"sentiment":"neutral","sentiment_score":0.08558093011379242},{"text":"Beautiful.","start":288.08502,"end":288.58502,"sentiment":"positive","sentiment_score":0.3617784380912781},{"text":"So I'll just run through them fairly briefly for you so as not to overwhelm you too much.","start":289.285,"end":293.46503,"sentiment":"neutral","sentiment_score":0.14923391449782583},{"text":"Essentially, what I'll then get you to do is have a reach for the document a bit later on, weigh up your options, have a look at the advantages, disadvantages, and the risks involved, and then you're welcome to let me know if you do have any additional questions there.","start":293.765,"end":305.02,"sentiment":"neutral","sentiment_score":0.14969462543725967}],"sentiment":"neutral","sentiment_score":0.21221377657165805,"num_words":103,"start":277.82,"end":305.02},{"sentences":[{"text":"Okay?","start":305.02,"end":305.52,"sentiment":"neutral","sentiment_score":0.12631365656852722},{"text":"Perfect.","start":307.09998,"end":307.59998,"sentiment":"positive","sentiment_score":0.5137103796005249},{"text":"Easy done.","start":307.74,"end":308.63998,"sentiment":"positive","sentiment_score":0.5507890433073044},{"text":"Now, essentially, with the recommendations here, we are recommending to start with that.","start":308.94,"end":312.53998,"sentiment":"neutral","sentiment_score":0.08748551801993297},{"text":"We do move some money into that TTR pension that we discussed the other day, essentially, in order for you to be out of door down the funds required to be able to reduce the debt on your mortgage, we do have to give in your agents stage to utilize that transit retirement pension account.","start":312.53998,"end":327.185,"sentiment":"neutral","sentiment_score":0.10626097917556762}],"sentiment":"neutral","sentiment_score":0.12115649599581957,"num_words":72,"start":305.02,"end":327.185},{"sentences":[{"text":"With the, with the super at the moment, we do have to leave 16,000 behind in the accumulation.","start":328.045,"end":333.77,"sentiment":"neutral","sentiment_score":0.03792645182046625},{"text":"So we open up a second account, which is the trans transition to retirement pension account.","start":333.91,"end":339.05,"sentiment":"neutral","sentiment_score":0.0680336793884635},{"text":"We estimate that that'll be open with about 50 sorry.","start":339.43,"end":342.38998,"sentiment":"neutral","sentiment_score":0.06799891851842403},{"text":"500 and 23,000 and 500.","start":342.38998,"end":345.21,"sentiment":"neutral","sentiment_score":0.05328515097498894},{"text":"Then you're able to draw down the maximum 10% for this financial year, which allows you to draw down fifty two thousand three hundred and fifty, and that will hopefully pay down the mortgage pretty significantly after you've made that nice big $10,000 lump sum payment there.","start":345.885,"end":360.68,"sentiment":"neutral","sentiment_score":0.1976804180031127}],"sentiment":"neutral","sentiment_score":0.12508968322072178,"num_words":96,"start":328.045,"end":360.68},{"sentences":[{"text":"Okay?","start":360.68,"end":361.18,"sentiment":"neutral","sentiment_score":0.05955905467271805},{"text":"Absolutely.","start":364.6,"end":365.1,"sentiment":"neutral","sentiment_score":0.1295514702796936},{"text":"One less thing to worry about.","start":365.8,"end":367.42,"sentiment":"neutral","sentiment_score":0.11299724380175273},{"text":"Perfect.","start":369.8,"end":370.3,"sentiment":"positive","sentiment_score":0.5314291715621948},{"text":"Now once that pension payment has been drawn down, because even the two accounts open does mean that you do pay too lots of, like, administration fees, investment fees, we wanna close it off.","start":370.70502,"end":380.46503,"sentiment":"neutral","sentiment_score":0.07827545286101453}],"sentiment":"neutral","sentiment_score":0.09441601294417713,"num_words":43,"start":360.68,"end":380.46503},{"sentences":[{"text":"Once you've accessed that full 10%, you're no longer able to access anything further for this financial year.","start":380.46503,"end":385.8,"sentiment":"neutral","sentiment_score":0.0976017519003815},{"text":"So we'll roll the funds back over from the pension into the accumulation account and have everything back in your super there.","start":386.03998,"end":392.44,"sentiment":"neutral","sentiment_score":0.10450744324109772},{"text":"Okay?","start":392.44,"end":392.94,"sentiment":"neutral","sentiment_score":0.0637565553188324},{"text":"Whilst this is going through, we still keep the super open with the 16,000 in there.","start":393.31998,"end":397.8,"sentiment":"neutral","sentiment_score":0.2457509431988001},{"text":"Your contributions can still be going in as normal.","start":397.8,"end":400.62,"sentiment":"positive","sentiment_score":0.36209912101427716}],"sentiment":"neutral","sentiment_score":0.17137362153241129,"num_words":66,"start":380.46503,"end":400.62},{"sentences":[{"text":"That will all stay exactly the same for you.","start":401.105,"end":403.505,"sentiment":"neutral","sentiment_score":0.3255258798599243},{"text":"Okay?","start":403.505,"end":404.005,"sentiment":"neutral","sentiment_score":0.030187666416168213},{"text":"When you there, Glenn?","start":405.505,"end":410.465,"sentiment":"neutral","sentiment_score":-0.04129277286119759},{"text":"I think I was just on hold.","start":410.465,"end":412.165,"sentiment":"neutral","sentiment_score":-0.04959252529910633},{"text":"That's so good.","start":414.37997,"end":415.25998,"sentiment":"positive","sentiment_score":0.6020710269610087}],"sentiment":"neutral","sentiment_score":0.17724228739583245,"num_words":24,"start":401.105,"end":415.25998},{"sentences":[{"text":"I could hear some lovely music.","start":415.25998,"end":417.02,"sentiment":"positive","sentiment_score":0.5080791264772415},{"text":"What was the last thing you heard me say?","start":417.02,"end":419.36,"sentiment":"neutral","sentiment_score":0.019185370455185573},{"text":"Yep.","start":425.18,"end":425.68,"sentiment":"neutral","sentiment_score":0.004453099798411131},{"text":"Yeah.","start":426.485,"end":426.805,"sentiment":"neutral","sentiment_score":0.06765099614858627},{"text":"Correct.","start":426.805,"end":427.305,"sentiment":"neutral","sentiment_score":0.1569601595401764}],"sentiment":"neutral","sentiment_score":0.19167818602484962,"num_words":18,"start":415.25998,"end":427.305},{"sentences":[{"text":"Perfect.","start":427.445,"end":427.945,"sentiment":"neutral","sentiment_score":0.30915367603302},{"text":"So you'll have the two accounts open for a very short period of time.","start":428.085,"end":431.225,"sentiment":"neutral","sentiment_score":0.13096524588763714},{"text":"It does take about a week or two for that for the funds to be rolled over into the TTR pension there.","start":431.285,"end":436.485,"sentiment":"neutral","sentiment_score":0.20574418929490176},{"text":"The benefit is we don't have to sell anything down to do that.","start":436.485,"end":439.285,"sentiment":"neutral","sentiment_score":0.30963191046164584},{"text":"Everything is sort of rolled over in what's called an in specie transfer.","start":439.285,"end":442.93,"sentiment":"neutral","sentiment_score":0.2568354377379784}],"sentiment":"neutral","sentiment_score":0.22274785411972847,"num_words":63,"start":427.445,"end":442.93},{"sentences":[{"text":"So if you have, say, Vanguard in your super, we can roll Vanguard over into the pension account to make it a much quicker and a streamlined process there.","start":442.93,"end":450.39,"sentiment":"positive","sentiment_score":0.3508706272676073},{"text":"It does just take hub generally about sort of a week or two to complete the process.","start":450.61002,"end":454.63,"sentiment":"neutral","sentiment_score":0.2665455700720058},{"text":"And the the team, if you decide to take on the advice here, they will send you an application, which will just require your bank details so we can have the pension payment paid down to you as well.","start":455.025,"end":465.185,"sentiment":"neutral","sentiment_score":0.20491323753809318},{"text":"Okay?","start":465.185,"end":465.685,"sentiment":"neutral","sentiment_score":0.11363233625888824},{"text":"Perfect.","start":467.345,"end":467.845,"sentiment":"positive","sentiment_score":0.6255313158035278}],"sentiment":"neutral","sentiment_score":0.2693942850348593,"num_words":87,"start":442.93,"end":467.845},{"sentences":[{"text":"Essentially, having a bit of a look, once that is all done and, look, there are great advantages to doing this by taking this money out of super.","start":468.99,"end":476.11,"sentiment":"positive","sentiment_score":0.46032375523022245},{"text":"It is important to note that you will have that 52,350 less in super than you did prior, but you'll also have reduced your mortgage to basically nothing as well.","start":476.11,"end":485.255,"sentiment":"positive","sentiment_score":0.3344496389230092},{"text":"And your mortgage is a nondeductible debt, and having no mortgage left means you've got excess money to be able to pay for other bills, expenditure, and things like that as well.","start":485.255,"end":495.255,"sentiment":"neutral","sentiment_score":0.286058786790818},{"text":"Okay?","start":495.255,"end":495.755,"sentiment":"neutral","sentiment_score":0.1120629906654358},{"text":"Once you have drawn down that 52,350, unfortunately, you're not able to draw down any more for this financial year.","start":497.22998,"end":503.62997,"sentiment":"neutral","sentiment_score":-0.2055035563185811}],"sentiment":"neutral","sentiment_score":0.2529588050066351,"num_words":111,"start":468.99,"end":503.62997},{"sentences":[{"text":"But come next financial year, if you find you need anything additional, we can always look at revamping the strategy again then for you as well.","start":503.62997,"end":510.52502,"sentiment":"neutral","sentiment_score":0.04599823358540352},{"text":"Okay?","start":510.52502,"end":511.02502,"sentiment":"neutral","sentiment_score":0.06551611423492432},{"text":"Perfect.","start":512.28503,"end":512.78503,"sentiment":"positive","sentiment_score":0.5075502991676331},{"text":"No.","start":518.925,"end":519.245,"sentiment":"neutral","sentiment_score":-0.20841771364212036},{"text":"That's absolutely fine.","start":519.245,"end":521.10504,"sentiment":"neutral","sentiment_score":0.16501242915789285}],"sentiment":"neutral","sentiment_score":0.06423875188920647,"num_words":32,"start":503.62997,"end":521.10504},{"sentences":[{"text":"All good.","start":521.245,"end":522.065,"sentiment":"positive","sentiment_score":0.37661318480968475},{"text":"Alternatives considered, we did look at just not doing the strategy or looking at providing cash flow and budgeting advice.","start":522.67004,"end":527.87,"sentiment":"neutral","sentiment_score":-0.13077523037791253},{"text":"However, you guys send this money now to pay down the mortgage.","start":527.87,"end":530.99,"sentiment":"neutral","sentiment_score":-0.09050095453858376},{"text":"So following through with the strategy and and finding a way to draw the money out of this account for you put you in a better position, and get that mortgage sorted out now so we're not risking any large interest rate rises again over the next coming weeks for you.","start":530.99,"end":544.645,"sentiment":"neutral","sentiment_score":0.2601345127411917},{"text":"Okay?","start":544.645,"end":545.145,"sentiment":"neutral","sentiment_score":0.1132562905550003}],"sentiment":"neutral","sentiment_score":0.12130031102271967,"num_words":86,"start":521.245,"end":545.145},{"sentences":[{"text":"Perfect.","start":546.245,"end":546.745,"sentiment":"positive","sentiment_score":0.6470085382461548},{"text":"Now as I mentioned, once that drawdown has been completed, we will then roll the funds back from the pension into accumulations.","start":547.605,"end":553.71,"sentiment":"neutral","sentiment_score":0.2603403221477162},{"text":"Everything will go back into your existing super account there.","start":553.93005,"end":556.89,"sentiment":"positive","sentiment_score":0.3765439629554749},{"text":"You'll be left with only one account, and in the meantime, all of your contributions can be still going in, which is fantastic.","start":556.89,"end":562.51,"sentiment":"positive","sentiment_score":0.6087439345276874},{"text":"We did look at other super funds to make sure that everything was working better.","start":563.21,"end":566.65,"sentiment":"neutral","sentiment_score":0.33036294480164846}],"sentiment":"positive","sentiment_score":0.4098097172001718,"num_words":71,"start":546.245,"end":566.65},{"sentences":[{"text":"However, doing this within hub twenty four and retained the fund is still in your best interest as you don't have to move money around too much.","start":566.65,"end":572.945,"sentiment":"neutral","sentiment_score":0.2746777424105891},{"text":"It is a much faster process to have this completed for you as well.","start":572.945,"end":576.545,"sentiment":"positive","sentiment_score":0.43687710804598673},{"text":"Okay?","start":576.545,"end":577.045,"sentiment":"neutral","sentiment_score":0.126837357878685},{"text":"One of the things we did also talk about was altering the investments within the account there for you.","start":578.465,"end":583.77,"sentiment":"neutral","sentiment_score":0.06185065680428555},{"text":"So we did talk about how Banna Long is down quite significantly, and we also talked about, you know, maybe finding something else in to replace that with.","start":583.77,"end":592.67004,"sentiment":"neutral","sentiment_score":0.02864707274628537}],"sentiment":"neutral","sentiment_score":0.17569321833467216,"num_words":89,"start":566.65,"end":592.67004},{"sentences":[{"text":"We have done once we've rolled the funds back into accumulation and everything is there in the one place, we are also going to remove Banna Long Australian equities from your investment platform, and we're gonna replace it with the BetaShares Aussie two hundred.","start":592.97003,"end":606.515,"sentiment":"neutral","sentiment_score":0.060493931618773124},{"text":"So this is essentially more of a passively managed fund instead of having some active management there.","start":606.515,"end":611.23505,"sentiment":"neutral","sentiment_score":0.12271124957238927},{"text":"It is still giving you exposure to the top 200 companies within Australia, so you still have your Australian equities exposure.","start":611.23505,"end":617.44995,"sentiment":"neutral","sentiment_score":0.2202029334647315},{"text":"It's just about making sure that you're in an investment that has had a greater track record so that we can access greater potential returns down the track for you as well.","start":617.67,"end":626.14996,"sentiment":"neutral","sentiment_score":0.2773295734077692},{"text":"Okay?","start":626.14996,"end":626.64996,"sentiment":"neutral","sentiment_score":0.12571483850479126}],"sentiment":"neutral","sentiment_score":0.15975953934147305,"num_words":115,"start":592.97003,"end":626.64996},{"sentences":[{"text":"Perfect.","start":628.63,"end":629.13,"sentiment":"neutral","sentiment_score":0.25421416759490967},{"text":"Yeah.","start":629.45496,"end":629.95496,"sentiment":"neutral","sentiment_score":0.09022341668605804},{"text":"The withdrawal.","start":632.495,"end":633.15497,"sentiment":"neutral","sentiment_score":0.03300920967012644},{"text":"Yeah.","start":633.295,"end":633.535,"sentiment":"neutral","sentiment_score":0.07402509450912476},{"text":"That's correct.","start":633.535,"end":634.175,"sentiment":"neutral","sentiment_score":0.1285773441195488}],"sentiment":"neutral","sentiment_score":0.10594796948134899,"num_words":7,"start":628.63,"end":634.175},{"sentences":[{"text":"The withdrawal first.","start":634.175,"end":635.135,"sentiment":"neutral","sentiment_score":0.15756667902072272},{"text":"That way you get the money nice and quick, and then we can, you know, do all the transfers and and ultimately give investments after that time frame for you.","start":635.135,"end":642.89496,"sentiment":"neutral","sentiment_score":0.24966678420702618},{"text":"Okay?","start":642.89496,"end":643.39496,"sentiment":"neutral","sentiment_score":0.04158211499452591},{"text":"Perfect.","start":644.175,"end":644.675,"sentiment":"positive","sentiment_score":0.578379213809967},{"text":"We also did talk about looking at removing the bank hybrid.","start":645.45,"end":648.33,"sentiment":"neutral","sentiment_score":0.022980741987174206}],"sentiment":"neutral","sentiment_score":0.19207506638992092,"num_words":46,"start":634.175,"end":648.33},{"sentences":[{"text":"So that is something that is being phased out in the future by the in the regulatory landscape.","start":648.33,"end":652.91003,"sentiment":"neutral","sentiment_score":-0.004195534210238192},{"text":"So we are looking at removing that for you now and just replacing that.","start":652.97003,"end":657.07,"sentiment":"neutral","sentiment_score":-0.015207047441176005},{"text":"Essentially, in your super fund, you do have the core composite bonds.","start":657.45,"end":660.685,"sentiment":"neutral","sentiment_score":0.03709388648470243},{"text":"So taking out the bank hybrids, we're just gonna increase the exposure into the core composite bonds.","start":660.685,"end":665.425,"sentiment":"neutral","sentiment_score":0.03287531084874097},{"text":"You'll see it on your super fund.","start":665.645,"end":667.005,"sentiment":"neutral","sentiment_score":0.06149702625615256}],"sentiment":"neutral","sentiment_score":0.016853938618784443,"num_words":68,"start":648.33,"end":667.005},{"sentences":[{"text":"It's got the ticket code IAF.","start":667.005,"end":669.02496,"sentiment":"neutral","sentiment_score":0.0793686347703139},{"text":"That is still giving you access to the defensive investments looking at fixed interest and bonds.","start":669.245,"end":673.985,"sentiment":"neutral","sentiment_score":0.0689209105912596},{"text":"That's mostly just corporate and government bonds.","start":674.045,"end":676.08,"sentiment":"neutral","sentiment_score":0.02043201109128339},{"text":"And it's just about removing that bank hybrid sort of investment while we can before we have to.","start":677.18,"end":682.8,"sentiment":"neutral","sentiment_score":-0.0020636003464460373},{"text":"And utilizing because that along is down, there are some losses that we can utilize to offset the gains for switching out of the bank hybrids into the core composite bonds for you as well.","start":683.1,"end":693.515,"sentiment":"neutral","sentiment_score":0.06627654199089322}],"sentiment":"neutral","sentiment_score":0.048835422184954326,"num_words":82,"start":667.005,"end":693.515},{"sentences":[{"text":"Okay?","start":693.515,"end":694.015,"sentiment":"neutral","sentiment_score":0.1526261866092682},{"text":"Perfect.","start":695.675,"end":696.175,"sentiment":"positive","sentiment_score":0.556656002998352},{"text":"We did go through that and double check these CDT consequences for you.","start":696.715,"end":700.47504,"sentiment":"neutral","sentiment_score":0.22236830225357643},{"text":"So we do expect, essentially, the CDT consequences for going through the process and making the change.","start":700.47504,"end":705.98004,"sentiment":"neutral","sentiment_score":0.11723973645883448},{"text":"We estimate to be about $1,829.","start":706.2,"end":709.74005,"sentiment":"neutral","sentiment_score":0.0734351569165786}],"sentiment":"neutral","sentiment_score":0.15878306790009925,"num_words":38,"start":693.515,"end":709.74005},{"sentences":[{"text":"That's essentially just the capital gains cost that your super fund will have to account for you.","start":710.04004,"end":714.78,"sentiment":"neutral","sentiment_score":0.09222215720835854},{"text":"One of the things we did talk about last time was looking at our new SMA product, and we absolutely did do that for you.","start":714.84,"end":721.045,"sentiment":"neutral","sentiment_score":0.17918436020612716},{"text":"I've discounted and not put you into that product because the CGT consequences were over $8,000 for you.","start":721.26495,"end":727.665,"sentiment":"neutral","sentiment_score":-0.0025001896752251517},{"text":"So I didn't wanna be moving money into pension, drawing money out of the system, and then rolling you back in and changing your investments too drastically to have a larger CGT consequence.","start":727.665,"end":737.88,"sentiment":"neutral","sentiment_score":-0.07162553410638463},{"text":"So I thought just when we looked at the options, making smaller changes to your investment options had a smaller CGT consequence for you and was putting you in a better position moving forward with that drawdown as well.","start":738.1,"end":749.325,"sentiment":"neutral","sentiment_score":0.1441420635733849}],"sentiment":"neutral","sentiment_score":0.07015363725297379,"num_words":132,"start":710.04004,"end":749.325},{"sentences":[{"text":"Does that make sense?","start":749.325,"end":750.305,"sentiment":"neutral","sentiment_score":0.08583594392985106},{"text":"Yeah.","start":752.365,"end":752.865,"sentiment":"neutral","sentiment_score":0.07560887187719345},{"text":"Yeah.","start":755.325,"end":755.825,"sentiment":"neutral","sentiment_score":0.03888273984193802},{"text":"Yep.","start":757.005,"end":757.505,"sentiment":"neutral","sentiment_score":0.09890811145305634},{"text":"Absolutely.","start":757.645,"end":758.145,"sentiment":"neutral","sentiment_score":0.1571888029575348}],"sentiment":"neutral","sentiment_score":0.08924153773114085,"num_words":8,"start":749.325,"end":758.145},{"sentences":[{"text":"Yeah.","start":758.765,"end":759.005,"sentiment":"neutral","sentiment_score":0.14413239061832428},{"text":"Absolutely.","start":759.005,"end":759.505,"sentiment":"neutral","sentiment_score":0.08634321391582489},{"text":"We can more than happy to look at that down the track again for you.","start":759.565,"end":762.48,"sentiment":"positive","sentiment_score":0.6875287652015686},{"text":"I just didn't think withdrawing '52 or $1,000 out than having an $8,000 capital gains bill for your super fund was gonna provide any kind of benefit to you.","start":762.48,"end":770.98,"sentiment":"neutral","sentiment_score":-0.05889263774814277},{"text":"But we can absolutely do that.","start":771.2,"end":772.64,"sentiment":"positive","sentiment_score":0.4894782404104869}],"sentiment":"neutral","sentiment_score":0.22639211596777806,"num_words":52,"start":758.765,"end":772.64},{"sentences":[{"text":"So once we get this completed, we'll do your next annual review, and then we can always review going into the SMA then for you and what the tax consequences might look like.","start":772.64,"end":780.735,"sentiment":"neutral","sentiment_score":0.10010551153258844},{"text":"Okay?","start":780.735,"end":781.235,"sentiment":"neutral","sentiment_score":0.10349959880113602},{"text":"Yeah.","start":782.495,"end":782.995,"sentiment":"positive","sentiment_score":0.4728986918926239},{"text":"Perfect.","start":783.21497,"end":783.71497,"sentiment":"positive","sentiment_score":0.5692863464355469},{"text":"You'll see in the document here as you are going to, we do have a bit of a table that explains what we are selling and buying.","start":785.295,"end":790.81,"sentiment":"neutral","sentiment_score":0.1984249778367855}],"sentiment":"neutral","sentiment_score":0.15566096697298307,"num_words":63,"start":772.64,"end":790.81},{"sentences":[{"text":"So we are, as part of this, doing a bit of a rebalance there, but we are selling quite a few of your investments.","start":790.81,"end":795.63,"sentiment":"neutral","sentiment_score":0.2079034180690845},{"text":"We do make them red and green so you can see the differences there.","start":795.69,"end":798.99005,"sentiment":"neutral","sentiment_score":0.21046346106699534},{"text":"We'll be selling some of the battery and lithium tech, all of your Benelon Australian equities, all of the bank hybrids, a little bit of physical gold, putting more money into your iShares core composite bond, selling some of the S and P 500 sorry.","start":799.37,"end":813.745,"sentiment":"neutral","sentiment_score":0.24559244281715817},{"text":"Some of the Aussie 200, some ClearBridge, and just making sure that everything is all in line with what it should be.","start":814.125,"end":822.22003,"sentiment":"neutral","sentiment_score":0.2756887518546798},{"text":"Okay?","start":822.22003,"end":822.72003,"sentiment":"neutral","sentiment_score":0.0457792691886425}],"sentiment":"neutral","sentiment_score":0.23678077571094036,"num_words":106,"start":790.81,"end":822.72003},{"sentences":[{"text":"Pardon me.","start":823.34,"end":823.74,"sentiment":"neutral","sentiment_score":-0.03569508530199528},{"text":"Sorry.","start":823.74,"end":824.24,"sentiment":"neutral","sentiment_score":-0.049264900386333466},{"text":"All good.","start":825.9,"end":826.64,"sentiment":"positive","sentiment_score":0.42611002922058105},{"text":"At the end of the day, once we complete the entire strategy, keeping you back in the super, even with the drawdowns and the ultra in the investments, we'll still see you in that seventy thirty split, which is giving you that balanced growth risk tolerance, and that sort of suits your time horizon for where you are at the moment, and that will kind of keep you in that area.","start":827.02,"end":844.83496,"sentiment":"neutral","sentiment_score":0.3131806812655758},{"text":"So you're still in that comfort level with your growth and defensive investments there.","start":844.975,"end":848.915,"sentiment":"positive","sentiment_score":0.4695708176919392}],"sentiment":"neutral","sentiment_score":0.3282376089443763,"num_words":90,"start":823.34,"end":848.915},{"sentences":[{"text":"The last thing, notably, is we did talk about increasing your contributions back into super.","start":849.35004,"end":854.55005,"sentiment":"neutral","sentiment_score":0.17947791665792465},{"text":"So once you've completed the strategy, you've paid down your mortgage.","start":854.55005,"end":857.35004,"sentiment":"neutral","sentiment_score":0.15203054689548232},{"text":"So you also wanted to look at increasing those contributions back, increasing them to about, sorry, $330 on a fortnightly basis.","start":857.35004,"end":865.455,"sentiment":"neutral","sentiment_score":0.15033601366338276},{"text":"So we have recommended that once we complete the strategy with the drawdown, move everything back into the investments with that, we do then start to salary sacrifice in at that $330 on a fortnightly basis.","start":867.195,"end":878.24,"sentiment":"neutral","sentiment_score":0.3168549897770087},{"text":"That's essentially meaning you get to increase your contributions back in.","start":878.46,"end":881.9,"sentiment":"positive","sentiment_score":0.41495155746286566}],"sentiment":"neutral","sentiment_score":0.24992348741185158,"num_words":94,"start":849.35004,"end":881.9},{"sentences":[{"text":"It gives you a sorry.","start":881.9,"end":883.1,"sentiment":"neutral","sentiment_score":0.30936195254325866},{"text":"I've actually got a table in here when you are looking at the documents to make it a bit easier for you.","start":883.1,"end":887.83997,"sentiment":"neutral","sentiment_score":0.1683687615123662},{"text":"But it's on page 27.","start":888.195,"end":889.635,"sentiment":"neutral","sentiment_score":0.2986821711063385},{"text":"It certainly shows that with your starting salary of a 106,747, your current contributions in are about 6,500 on a yearly basis.","start":889.635,"end":899.075,"sentiment":"positive","sentiment_score":0.48890170184048737},{"text":"By increasing that by that 330, we increase it to about 8,580, which is fantastic.","start":899.075,"end":905.72,"sentiment":"positive","sentiment_score":0.6868446826934814}],"sentiment":"positive","sentiment_score":0.40293972539728967,"num_words":69,"start":881.9,"end":905.72},{"sentences":[{"text":"Oh, sorry.","start":907.06,"end":907.64,"sentiment":"neutral","sentiment_score":0.2198532074689865},{"text":"That's the salary sacrifice your current to where you will be.","start":907.86,"end":911.64,"sentiment":"neutral","sentiment_score":0.14826521548357877},{"text":"It essentially helps to reduce your taxable income that is estimated.","start":912.1,"end":915.555,"sentiment":"neutral","sentiment_score":0.17852586372332138},{"text":"This is just basically estimated because we don't also factor in any of your tax deductions that your accountant can also include, but it does actually reduce your taxable income or approximate taxable income to about 98,167.","start":915.555,"end":928.835,"sentiment":"neutral","sentiment_score":0.2231365498658773},{"text":"So it helps to reduce the income tax that you are paying, but also puts a bit more industry for so you are building it back again.","start":928.835,"end":935.84,"sentiment":"positive","sentiment_score":0.3422946598794725}],"sentiment":"neutral","sentiment_score":0.24468655054542152,"num_words":88,"start":907.06,"end":935.84},{"sentences":[{"text":"When we look at the consequences of withdrawing the funds out, while salary sacrifice will help you to build that back up, it never actually puts you back in the position you would have been had you not withdrawn those funds out initially.","start":936.22003,"end":948.445,"sentiment":"neutral","sentiment_score":0.026940227421217187},{"text":"Okay?","start":948.66504,"end":949.065,"sentiment":"neutral","sentiment_score":0.08285971730947495},{"text":"But it will help to build it back as we are putting more money back into super thereafter and still has a greater benefit for you over the longer term.","start":949.065,"end":957.805,"sentiment":"positive","sentiment_score":0.4870029096802076},{"text":"One of the things I did also look at for you was the difference, and I've got the table in here for you, essentially, the difference between where you are now with your current balance, with your current salary sacrifice arrangement, your current contributions going in, and the current investment portfolio.","start":958.2,"end":975.20496,"sentiment":"neutral","sentiment_score":0.12137296227007813},{"text":"If you did not, over the next sort of five years, withdraw these funds, we can project that forward showing you you could end up with about 895,515 in your super By taking out the 52,350, by also then maneuvering and changing the investments and cementing the CGT consequences of January, Essentially, with the portfolio, it's working slightly higher than what the current portfolio is, which will also put you in a bit of a benefit there, but then also increasing your contributions.","start":975.745,"end":1010.545,"sentiment":"neutral","sentiment_score":0.24093938205974647}],"sentiment":"neutral","sentiment_score":0.20211233929596625,"num_words":208,"start":936.22003,"end":1010.545},{"sentences":[{"text":"Over the next five years, we can project that forward to give you roughly 870,982.","start":1010.845,"end":1017.52,"sentiment":"neutral","sentiment_score":0.22444550196329752},{"text":"So when you consider where you are now in projecting forward versus the recommended in projecting forward, it's only really giving you a difference of about 24,533.","start":1017.52,"end":1029.195,"sentiment":"neutral","sentiment_score":-0.0997387564016713},{"text":"So from where you are now, the negative effect of taking on the advice is putting you backwards about 24,533.","start":1029.195,"end":1037.2749,"sentiment":"negative","sentiment_score":-0.45579645708203315},{"text":"So it's not a massive difference.","start":1037.2749,"end":1038.975,"sentiment":"negative","sentiment_score":-0.4173263708750407},{"text":"And in doing that, you've increased your salary sacrifice.","start":1039.355,"end":1042.255,"sentiment":"neutral","sentiment_score":-0.20536289115746817}],"sentiment":"neutral","sentiment_score":-0.16616126338576342,"num_words":77,"start":1010.845,"end":1042.255},{"sentences":[{"text":"You've changed your portfolio to something that's performing slightly better, and you've also drawn those funds down to pay your mortgage down.","start":1042.47,"end":1048.5499,"sentiment":"neutral","sentiment_score":-0.012062470343979921},{"text":"Does that make sense?","start":1048.5499,"end":1049.53,"sentiment":"neutral","sentiment_score":0.06157924793660641},{"text":"Yeah.","start":1051.59,"end":1052.09,"sentiment":"neutral","sentiment_score":0.16660591959953308},{"text":"Yep.","start":1055.83,"end":1056.315,"sentiment":"neutral","sentiment_score":0.11827509105205536},{"text":"Yeah.","start":1062.1549,"end":1062.475,"sentiment":"neutral","sentiment_score":0.1808634847402573}],"sentiment":"neutral","sentiment_score":0.015403004812783208,"num_words":29,"start":1042.47,"end":1062.475},{"sentences":[{"text":"Yeah.","start":1062.475,"end":1062.975,"sentiment":"neutral","sentiment_score":0.15662172436714172},{"text":"Yep.","start":1063.5149,"end":1064.0149,"sentiment":"neutral","sentiment_score":0.03835701942443848},{"text":"Yeah.","start":1069.0901,"end":1069.3301,"sentiment":"neutral","sentiment_score":0.1822071671485901},{"text":"Yeah.","start":1069.3301,"end":1069.5701,"sentiment":"neutral","sentiment_score":0.280576229095459},{"text":"Absolutely.","start":1069.5701,"end":1070.0701,"sentiment":"positive","sentiment_score":0.4335849285125733}],"sentiment":"neutral","sentiment_score":0.2182694137096405,"num_words":5,"start":1062.475,"end":1070.0701},{"sentences":[{"text":"And, look, you're increasing your salary sacrifice pretty substantially from the 6,500 per year to 8,580.","start":1070.29,"end":1077.25,"sentiment":"positive","sentiment_score":0.34645508043468},{"text":"So it's making a much bigger difference for you.","start":1077.25,"end":1079.9701,"sentiment":"positive","sentiment_score":0.5698306295606825},{"text":"You'll be able to reduce your income tax slightly there as well.","start":1079.9701,"end":1082.885,"sentiment":"positive","sentiment_score":0.4705142502983411},{"text":"And like I said, you don't actually put yourself back in the position you were, but it does help to kinda build the gap a little bit for you.","start":1082.885,"end":1089.5449,"sentiment":"neutral","sentiment_score":0.2697925819405194},{"text":"In the document, I do also account for the income side of things, the retirement income side of things, because you are only about five years out.","start":1089.9249,"end":1098.24,"sentiment":"neutral","sentiment_score":0.07179735504366734}],"sentiment":"neutral","sentiment_score":0.2804348539681204,"num_words":93,"start":1070.29,"end":1098.24},{"sentences":[{"text":"It is just in there as a you know, this is what we expect on a limited scope basis, but it essentially shows you that by following the advice there with having paid the mortgage down.","start":1098.24,"end":1108.8999,"sentiment":"neutral","sentiment_score":0.0840880237519741},{"text":"I know in retirement, you sort of weren't sure last time we spoke how much to be able to draw down, but this sort of shows you and we've kinda factored into, you know, given depending on how you are at the age of 67, if you're eligible for any kind of Centrelink, So long as you are, we can actually project it out knowing that you should be able to, based on the projection, draw an income of about 69,881, and we'll have your super last until about the age of 90 with incorporating a little bit of Centrelink in there for you.","start":1109.235,"end":1143.1849,"sentiment":"neutral","sentiment_score":0.13962669409095094},{"text":"So it does help you give a bit more longevity out of your super.","start":1143.1849,"end":1147.1849,"sentiment":"positive","sentiment_score":0.4541763407843454},{"text":"This is something that's only in here as a bit of a this is the effect and the projected outcome on your retirement based on the recommendations we're making now, and we'll keep monitoring and updating those with you on a regular basis so that when you get to retirement, we have a better understanding of what to do.","start":1147.1849,"end":1163.63,"sentiment":"neutral","sentiment_score":0.23333990422345824}],"sentiment":"neutral","sentiment_score":0.1768726204727457,"num_words":213,"start":1098.24,"end":1163.63},{"sentences":[{"text":"But this is just in there to kinda give you an idea of what we see and what the projected outcome looks like for you to give you an idea of where we can see things traveling towards at the moment.","start":1163.77,"end":1174.675,"sentiment":"neutral","sentiment_score":0.20846257413305888},{"text":"Yeah.","start":1176.495,"end":1176.995,"sentiment":"neutral","sentiment_score":0.040372468531131744},{"text":"Yeah.","start":1180.095,"end":1180.595,"sentiment":"positive","sentiment_score":0.4825933575630188},{"text":"Yeah.","start":1189.26,"end":1189.74,"sentiment":"positive","sentiment_score":0.350614070892334},{"text":"Absolutely.","start":1189.74,"end":1190.24,"sentiment":"positive","sentiment_score":0.412932813167572}],"sentiment":"neutral","sentiment_score":0.21852173888021045,"num_words":45,"start":1163.77,"end":1190.24},{"sentences":[{"text":"Yeah.","start":1197.0449,"end":1197.5449,"sentiment":"neutral","sentiment_score":0.23775899410247803},{"text":"Absolutely.","start":1199.205,"end":1199.705,"sentiment":"neutral","sentiment_score":0.1786259263753891},{"text":"Yeah.","start":1200.965,"end":1201.465,"sentiment":"neutral","sentiment_score":0.10983121395111084},{"text":"Absolutely.","start":1201.5249,"end":1202.005,"sentiment":"neutral","sentiment_score":0.1394287645816803},{"text":"I know it's a lot.","start":1202.005,"end":1202.965,"sentiment":"neutral","sentiment_score":-0.16675444394350053}],"sentiment":"neutral","sentiment_score":-0.018680813411871593,"num_words":9,"start":1197.0449,"end":1202.965},{"sentences":[{"text":"I've probably just gone through a lot with you, and it's always harder when you're not sort of looking at the document because I'm trying to sort of make sure I'm not adding too much to you but hitting the points that I have to hit.","start":1202.965,"end":1211.445,"sentiment":"neutral","sentiment_score":0.017614552832168083},{"text":"But it does add you into a really good position, and removing that mortgage out of the way just to make things a little bit easier for you as well.","start":1211.445,"end":1219.6599,"sentiment":"positive","sentiment_score":0.6071720133225124},{"text":"One less bill or one less debt to worry about, and then you can sort of put your expendable cash flow, a, back into your super, but also into other things for your family as well.","start":1219.6599,"end":1229.395,"sentiment":"positive","sentiment_score":0.5039783277445369},{"text":"So Yeah.","start":1229.395,"end":1231.895,"sentiment":"neutral","sentiment_score":0.057483529672026634},{"text":"Yeah.","start":1240.995,"end":1241.495,"sentiment":"neutral","sentiment_score":0.18700677156448364}],"sentiment":"neutral","sentiment_score":0.32583150834493013,"num_words":115,"start":1202.965,"end":1241.495},{"sentences":[{"text":"Fantastic.","start":1248.0701,"end":1248.5701,"sentiment":"positive","sentiment_score":0.7184305191040039},{"text":"Wait till you see it.","start":1249.5901,"end":1250.81,"sentiment":"positive","sentiment_score":0.41250950694084165},{"text":"Not a worry at all.","start":1256.7251,"end":1258.185,"sentiment":"neutral","sentiment_score":0.09995879679918289},{"text":"Easy.","start":1258.405,"end":1258.905,"sentiment":"neutral","sentiment_score":0.25505465269088745},{"text":"Yeah.","start":1261.3651,"end":1261.8651,"sentiment":"neutral","sentiment_score":0.19653677940368652}],"sentiment":"neutral","sentiment_score":0.28710488229990005,"num_words":13,"start":1248.0701,"end":1261.8651},{"sentences":[{"text":"Yes.","start":1266.3251,"end":1266.8251,"sentiment":"neutral","sentiment_score":0.15775319933891296},{"text":"It solidifies it.","start":1269.29,"end":1270.59,"sentiment":"neutral","sentiment_score":0.09733053545157115},{"text":"Yeah.","start":1271.37,"end":1271.87,"sentiment":"neutral","sentiment_score":0.07256089150905609},{"text":"Yeah.","start":1274.33,"end":1274.57,"sentiment":"neutral","sentiment_score":0.13998264074325562},{"text":"Yeah.","start":1274.57,"end":1275.07,"sentiment":"neutral","sentiment_score":0.3247615098953247}],"sentiment":"neutral","sentiment_score":0.1410071211201804,"num_words":7,"start":1266.3251,"end":1275.07},{"sentences":[{"text":"Perfect.","start":1277.85,"end":1278.35,"sentiment":"positive","sentiment_score":0.7087389230728149},{"text":"All good.","start":1278.49,"end":1279.23,"sentiment":"positive","sentiment_score":0.5908828675746918},{"text":"The last thing I just wanted to let you know about is the benefit side of things.","start":1279.29,"end":1282.7849,"sentiment":"neutral","sentiment_score":0.14411568904624267},{"text":"So we did sort of talk and touch base that you do want to make sure that if in the event you would have passed away, your super is paid out to Karen to your spouse if anything was to happen.","start":1282.7849,"end":1291.605,"sentiment":"neutral","sentiment_score":0.1057145658244447},{"text":"When I did go back and do the research on your super fund at the moment, you have a non binding nomination.","start":1291.825,"end":1297.13,"sentiment":"neutral","sentiment_score":0.1422206603667953}],"sentiment":"neutral","sentiment_score":0.14221232649253077,"num_words":83,"start":1277.85,"end":1297.13},{"sentences":[{"text":"Now that essentially means that if in the event you would have passed away, you've nominated Karen to receive the funds for you.","start":1297.27,"end":1303.91,"sentiment":"neutral","sentiment_score":0.1501988183868968},{"text":"However, it is up to the trustee.","start":1303.91,"end":1305.53,"sentiment":"neutral","sentiment_score":0.06563681044748851},{"text":"By having a non binding nomination, it's not binding the trustee to follow the direction.","start":1305.59,"end":1310.295,"sentiment":"neutral","sentiment_score":0.11510887295007706},{"text":"It's essentially just letting them know this is what you would like to happen, but they get to make the final decision.","start":1310.375,"end":1315.1951,"sentiment":"neutral","sentiment_score":0.17066447640007193},{"text":"So what I have also recommended is that we alter that nomination still for Karen because she gets a 100% of it, but we're gonna nominate it as a binding, nonlapsing nomination for you.","start":1315.255,"end":1326.28,"sentiment":"neutral","sentiment_score":0.2353111040942809}],"sentiment":"neutral","sentiment_score":0.17223623376524094,"num_words":101,"start":1297.27,"end":1326.28},{"sentences":[{"text":"So that will bind the trustee to follow your direction.","start":1326.28,"end":1329.3401,"sentiment":"neutral","sentiment_score":0.3164496302604675},{"text":"And nonlapsing means you fill out one nomination.","start":1329.8,"end":1332.3,"sentiment":"neutral","sentiment_score":0.24526533856987953},{"text":"You don't have to fill out another one again unless your circumstances change.","start":1332.36,"end":1335.8,"sentiment":"neutral","sentiment_score":0.18376971781253815},{"text":"So it's giving you a little bit more certainty that if in the event something was to happen, that the the proceeds are paid as per your wishes, and the trustee needs to follow that direction for you as well.","start":1335.8,"end":1347.295,"sentiment":"neutral","sentiment_score":0.3212650828063488},{"text":"Okay?","start":1347.295,"end":1347.795,"sentiment":"neutral","sentiment_score":0.1521405726671219}],"sentiment":"neutral","sentiment_score":0.28497735038399696,"num_words":72,"start":1326.28,"end":1347.795},{"sentences":[{"text":"Yeah.","start":1349.535,"end":1350.035,"sentiment":"positive","sentiment_score":0.350366473197937},{"text":"Oh, good.","start":1350.175,"end":1350.7351,"sentiment":"positive","sentiment_score":0.5861223191022873},{"text":"The only other thing I've added in there is just making sure that you guys do have a will and power of attorney up to date.","start":1350.7351,"end":1355.91,"sentiment":"neutral","sentiment_score":0.08906867168843746},{"text":"It was something we sort of touched base on.","start":1356.15,"end":1357.99,"sentiment":"neutral","sentiment_score":0.02081606247358852},{"text":"You don't, from what I understand, don't have a will or power of attorney.","start":1357.99,"end":1361.5901,"sentiment":"neutral","sentiment_score":-0.04591248690017632}],"sentiment":"neutral","sentiment_score":0.06505704463387911,"num_words":52,"start":1349.535,"end":1361.5901},{"sentences":[{"text":"So as part of this, we do make the recommendation to speak to a solicitor, and I can get my team to send through an email as part of the implementation process just with some details on a local solicitor that we can refer you to, and it has a bit of costing on how much they charge to do the wheels for you as well.","start":1361.5901,"end":1378.645,"sentiment":"neutral","sentiment_score":0.0711177515261101},{"text":"Okay?","start":1378.645,"end":1379.145,"sentiment":"neutral","sentiment_score":0.030146092176437374},{"text":"Yeah.","start":1380.0851,"end":1380.5851,"sentiment":"neutral","sentiment_score":0.15873274207115173},{"text":"Yep.","start":1383.685,"end":1384.14,"sentiment":"neutral","sentiment_score":-0.1359693706035614},{"text":"Uh-huh.","start":1385.8201,"end":1386.3201,"sentiment":"neutral","sentiment_score":-0.047813620418310165}],"sentiment":"neutral","sentiment_score":0.06712667777069978,"num_words":70,"start":1361.5901,"end":1386.3201},{"sentences":[{"text":"Yeah.","start":1388.3,"end":1388.8,"sentiment":"neutral","sentiment_score":0.05336522310972214},{"text":"Absolutely.","start":1390.3,"end":1390.8,"sentiment":"positive","sentiment_score":0.3860832750797272},{"text":"I can even get them to post it to you as well.","start":1391.02,"end":1393.02,"sentiment":"neutral","sentiment_score":0.2648623287677765},{"text":"That way, we make sure it comes through.","start":1393.02,"end":1394.46,"sentiment":"neutral","sentiment_score":0.22733449190855026},{"text":"It might take a little bit longer, but it's just another way to get that sorted for you.","start":1394.46,"end":1398.54,"sentiment":"neutral","sentiment_score":0.02914204624378019}],"sentiment":"neutral","sentiment_score":0.1490257302764803,"num_words":40,"start":1388.3,"end":1398.54},{"sentences":[{"text":"But we'll take some time to have a really good read to the document there.","start":1398.54,"end":1402.115,"sentiment":"neutral","sentiment_score":0.3226259817679723},{"text":"I do also have PDF documents attached for your hub 24, the super and pension side of things.","start":1402.115,"end":1407.975,"sentiment":"neutral","sentiment_score":0.12965676643782192},{"text":"I've also got an appendices attached to the document as well.","start":1408.435,"end":1411.86,"sentiment":"neutral","sentiment_score":0.14026858657598495},{"text":"It just sort of runs you through the research that we conducted to kinda give you an idea of other things that we've considered.","start":1412.02,"end":1417.88,"sentiment":"neutral","sentiment_score":0.13925408261517683},{"text":"And I've got in there I've run through some of the advantages, disadvantages, and alternatives, but this, as you're reading through, does sorta consider the full advantages, disadvantages, risks involved, and alternatives considered.","start":1418.66,"end":1430.585,"sentiment":"neutral","sentiment_score":0.09920195738474528}],"sentiment":"neutral","sentiment_score":0.15180127278412922,"num_words":101,"start":1398.54,"end":1430.585},{"sentences":[{"text":"So you can really get an understanding of your circumstances, why we've made the recommendation, and just making sure you're fully informed before you decide to take on that advice there.","start":1430.585,"end":1440.15,"sentiment":"neutral","sentiment_score":0.17723051867177408},{"text":"Okay?","start":1440.15,"end":1440.65,"sentiment":"neutral","sentiment_score":0.06687211990356445},{"text":"That's you do.","start":1443.1901,"end":1445.1901,"sentiment":"neutral","sentiment_score":0.155962144335111},{"text":"You do.","start":1445.1901,"end":1445.93,"sentiment":"neutral","sentiment_score":0.18859661370515823},{"text":"No.","start":1446.9501,"end":1447.1901,"sentiment":"neutral","sentiment_score":0.09312356263399124}],"sentiment":"neutral","sentiment_score":0.17103214267837374,"num_words":38,"start":1430.585,"end":1447.1901},{"sentences":[{"text":"Look.","start":1447.1901,"end":1447.43,"sentiment":"neutral","sentiment_score":0.175224632024765},{"text":"Honestly, I'm really happy that we've been able to do this for you.","start":1447.43,"end":1450.63,"sentiment":"positive","sentiment_score":0.7043635432536786},{"text":"It's a great strategy.","start":1450.63,"end":1451.75,"sentiment":"positive","sentiment_score":0.7476889938116074},{"text":"I actually really enjoy these sorts of things, so thank you for the opportunity to put it together for you.","start":1451.75,"end":1456.385,"sentiment":"positive","sentiment_score":0.7925552278757095},{"text":"Have some time.","start":1456.845,"end":1457.885,"sentiment":"neutral","sentiment_score":0.2584194888671239}],"sentiment":"positive","sentiment_score":0.7060748705776726,"num_words":41,"start":1447.1901,"end":1457.885},{"sentences":[{"text":"If you or Karen have any questions, you're welcome to let me know.","start":1457.885,"end":1460.765,"sentiment":"neutral","sentiment_score":0.2584059742780832},{"text":"I'll always make time to have a chat and work it out work it through with you.","start":1460.765,"end":1464.845,"sentiment":"neutral","sentiment_score":0.31682370340122895},{"text":"Okay?","start":1464.845,"end":1465.345,"sentiment":"neutral","sentiment_score":0.14387544989585876},{"text":"Oh, thanks so much.","start":1476.31,"end":1477.69,"sentiment":"positive","sentiment_score":0.5045019090175629},{"text":"Lovely.","start":1478.31,"end":1478.81,"sentiment":"positive","sentiment_score":0.36896103620529175}],"sentiment":"neutral","sentiment_score":0.3132256873779827,"num_words":36,"start":1457.885,"end":1478.81},{"sentences":[{"text":"Yeah.","start":1480.39,"end":1480.845,"sentiment":"neutral","sentiment_score":0.05508039891719818},{"text":"Yeah.","start":1485.005,"end":1485.405,"sentiment":"neutral","sentiment_score":0.028882266953587532},{"text":"Right.","start":1485.405,"end":1485.725,"sentiment":"neutral","sentiment_score":0.01736709475517273},{"text":"What's his name?","start":1485.725,"end":1486.865,"sentiment":"neutral","sentiment_score":0.009829722034434477},{"text":"Oh, yes.","start":1489.325,"end":1490.385,"sentiment":"neutral","sentiment_score":0.008814487606287003}],"sentiment":"neutral","sentiment_score":0.018555987742729485,"num_words":8,"start":1480.39,"end":1490.385},{"sentences":[{"text":"I do know that.","start":1491.085,"end":1492.3049,"sentiment":"neutral","sentiment_score":-0.01603029342368245},{"text":"Yeah.","start":1496.75,"end":1497.15,"sentiment":"neutral","sentiment_score":0.03447180986404419},{"text":"I'll send him an email, give him a little update.","start":1497.15,"end":1499.15,"sentiment":"neutral","sentiment_score":0.057520026434212924},{"text":"I'm doing something quite big for him, so it takes a little bit.","start":1499.15,"end":1501.63,"sentiment":"neutral","sentiment_score":0.04191185161471367},{"text":"And I promised him it would take a bit.","start":1501.63,"end":1503.39,"sentiment":"neutral","sentiment_score":0.03154483230577575}],"sentiment":"neutral","sentiment_score":0.03714347195282981,"num_words":37,"start":1491.085,"end":1503.39},{"sentences":[{"text":"But I'll I'll shoot him an email today and give him a little bit of an update for him.","start":1503.39,"end":1506.91,"sentiment":"neutral","sentiment_score":0.1027321090039454},{"text":"Easy.","start":1506.91,"end":1507.41,"sentiment":"neutral","sentiment_score":0.1477549970149994},{"text":"Oh, good.","start":1514.275,"end":1515.335,"sentiment":"neutral","sentiment_score":0.16347450017929077},{"text":"Not you at all, Glenn.","start":1515.5549,"end":1517.095,"sentiment":"neutral","sentiment_score":0.08258197158575058},{"text":"Not it's completely up to you.","start":1523.9601,"end":1526.14,"sentiment":"neutral","sentiment_score":-0.08044188718001048}],"sentiment":"neutral","sentiment_score":0.07142038191809799,"num_words":33,"start":1503.39,"end":1526.14},{"sentences":[{"text":"What I would probably say is have a read through the document first.","start":1526.52,"end":1529.16,"sentiment":"neutral","sentiment_score":0.04601743874641565},{"text":"If you find you do have any questions, let us know.","start":1529.16,"end":1531.3201,"sentiment":"neutral","sentiment_score":0.09748583287000656},{"text":"We'll book in a time to follow-up.","start":1531.3201,"end":1532.78,"sentiment":"neutral","sentiment_score":0.11922670262200492},{"text":"If you don't have any questions, you're happy just to sign it.","start":1533.0,"end":1535.72,"sentiment":"neutral","sentiment_score":0.15531124733388424},{"text":"Just you can then just sign it, return it back, and we will get the team to follow-up and go to the implementation side of things with you.","start":1535.72,"end":1545.365,"sentiment":"neutral","sentiment_score":0.16943906327443464}],"sentiment":"neutral","sentiment_score":0.12835473976504636,"num_words":71,"start":1526.52,"end":1545.365},{"sentences":[{"text":"Okay?","start":1545.365,"end":1545.865,"sentiment":"neutral","sentiment_score":0.13677027821540833},{"text":"Yeah.","start":1547.8451,"end":1548.3451,"sentiment":"positive","sentiment_score":0.37663793563842773},{"text":"That's okay.","start":1549.925,"end":1550.745,"sentiment":"positive","sentiment_score":0.37835727632045746},{"text":"Yeah.","start":1562.08,"end":1562.32,"sentiment":"neutral","sentiment_score":0.0515323281288147},{"text":"No.","start":1562.32,"end":1562.64,"sentiment":"neutral","sentiment_score":-0.004614122211933136}],"sentiment":"neutral","sentiment_score":0.21950682873527208,"num_words":6,"start":1545.365,"end":1562.64},{"sentences":[{"text":"Not a problem at all.","start":1562.64,"end":1563.915,"sentiment":"neutral","sentiment_score":-0.03846926465630531},{"text":"Thank you.","start":1564.395,"end":1565.115,"sentiment":"neutral","sentiment_score":0.21104254573583603},{"text":"I I love what I do.","start":1565.115,"end":1566.235,"sentiment":"neutral","sentiment_score":0.17635532716910043},{"text":"This is fantastic.","start":1566.235,"end":1567.115,"sentiment":"positive","sentiment_score":0.4376748502254486},{"text":"But, no, thank you so much for the opportunity to put this together for you.","start":1567.115,"end":1570.495,"sentiment":"positive","sentiment_score":0.38048594097296395}],"sentiment":"neutral","sentiment_score":0.26800594827340496,"num_words":31,"start":1562.64,"end":1570.495},{"sentences":[{"text":"And this is a new starting point.","start":1570.635,"end":1572.0751,"sentiment":"neutral","sentiment_score":0.3011027978999274},{"text":"This is these advice pieces will need to evolve as your life evolves a long way, so absolutely Yeah.","start":1572.0751,"end":1589.7301,"sentiment":"neutral","sentiment_score":0.23246686268401773},{"text":"Yeah.","start":1589.79,"end":1590.29,"sentiment":"neutral","sentiment_score":0.06085596978664398},{"text":"No.","start":1593.9349,"end":1594.4349,"sentiment":"neutral","sentiment_score":-0.015447746962308884},{"text":"No.","start":1594.495,"end":1594.735,"sentiment":"neutral","sentiment_score":-0.004841819405555725}],"sentiment":"neutral","sentiment_score":0.2263847027487796,"num_words":29,"start":1570.635,"end":1594.735},{"sentences":[{"text":"That's okay.","start":1594.735,"end":1595.375,"sentiment":"neutral","sentiment_score":0.044545089825987816},{"text":"Not a problem at all.","start":1595.375,"end":1596.575,"sentiment":"neutral","sentiment_score":0.13863806426525116},{"text":"The only other thing I'd probably ask of you, Glenn, has anyone sort of sent you a message and asked you to leave a little bit of a a Google review on our website at all?","start":1596.575,"end":1605.15,"sentiment":"neutral","sentiment_score":0.0417867022463017},{"text":"Yep.","start":1608.11,"end":1608.61,"sentiment":"neutral","sentiment_score":0.038300253450870514},{"text":"That's okay.","start":1609.47,"end":1610.2101,"sentiment":"neutral","sentiment_score":0.23447918891906738}],"sentiment":"neutral","sentiment_score":0.060736095937697784,"num_words":46,"start":1594.735,"end":1610.2101},{"sentences":[{"text":"Yeah.","start":1612.03,"end":1612.53,"sentiment":"neutral","sentiment_score":0.16982577741146088},{"text":"Perfect.","start":1612.8301,"end":1613.31,"sentiment":"positive","sentiment_score":0.6760561466217041},{"text":"I'll get the team to send that one through to you if that's okay.","start":1613.31,"end":1615.97,"sentiment":"positive","sentiment_score":0.41116954599108013},{"text":"Just because we are, you know, a small business, it's important to have word-of-mouth out there.","start":1616.03,"end":1619.7251,"sentiment":"neutral","sentiment_score":0.32299571484327316},{"text":"So that would be fabulous if you could do that for me, and I'll get the team to email those details through for you.","start":1619.7251,"end":1625.165,"sentiment":"positive","sentiment_score":0.3767729140818119}],"sentiment":"positive","sentiment_score":0.37165601684578825,"num_words":56,"start":1612.03,"end":1625.165},{"sentences":[{"text":"Thank you so much for your time today.","start":1625.165,"end":1626.605,"sentiment":"positive","sentiment_score":0.8211336359381676},{"text":"I'll let you go if you have a good afternoon.","start":1626.605,"end":1628.4651,"sentiment":"positive","sentiment_score":0.678321385383606},{"text":"Thanks.","start":1630.8868,"end":1631.1268,"sentiment":"positive","sentiment_score":0.6708037853240967},{"text":"See you later.","start":1631.1268,"end":1632.0269,"sentiment":"positive","sentiment_score":0.5415284236272176},{"text":"Bye.","start":1632.1669,"end":1632.6669,"sentiment":"neutral","sentiment_score":0.3117833733558655}],"sentiment":"positive","sentiment_score":0.693889363952305,"num_words":23,"start":1625.165,"end":1632.6669}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Welcome to IP Financial. This is Jacob speaking.\n\nChannel 0: Hey, David. My name is Glen Annis. I had an appointment with Dana at oh, be up fifteen minutes ago. She did leave a message, but my phone never even rang. I'm sorry.\n\nChannel 1: Oh, no. That's okay, Glenn. No worries at all. What was your last name?\n\nChannel 0: Ennis, e, n n, I s.\n\nChannel 1: Yep. Give me one second, Glenn. I'll just bring up your profile. Cool, Glenn. No worries.\n\nI'll just get you to confirm your client password on file here for us.\n\nChannel 0: Yep. Is that Roxanne?\n\nChannel 1: Yeah. Yep. That's the\n\nChannel 0: Yep.\n\nChannel 1: one. I had a\n\nChannel 0: Beautiful.\n\nChannel 1: prompt here as your eldest child as well.\n\nChannel 0: Yeah.\n\nChannel 1: So you're still happy to keep that one, Glenn?\n\nChannel 0: Yeah. Yep.\n\nChannel 1: Yep. No worries, Glenn. That's all good. So you had an appointment with Dana. Give me one second.\n\nDana's just giving me the thumbs up, so I'll transfer you through to her now.\n\nChannel 0: Awesome. Thank you.\n\nChannel 1: Okay. Thanks, Glenn. I'm transferring now.\n\nChannel 0: Thanks.\n\nChannel 1: Hi, Glenn. It's Dana. How are you this afternoon?\n\nChannel 0: I'm good. Thanks. Sorry. My phone never even rang. It wasn't I was saying you a left a message.\n\nThought, oh, didn't even hear it. So\n\nChannel 1: That's\n\nChannel 0: anyway.\n\nChannel 1: honestly okay. It was a bit weird on my end too because I couldn't even hear the phone ringing on your end, but it kind of pretended like I could see it trying to dial out, and then it went through the message bank. So I thought I'll send you a text message because at least then if you're out of reception or if it's my phone, at least then you know it was me, and we've tried to call and you can call back when you're good. So\n\nChannel 0: Yeah. All good.\n\nChannel 1: easy. Gwen, do you happen to have access to emails there at the moment at all?\n\nChannel 0: I can\n\nChannel 1: If you\n\nChannel 0: on\n\nChannel 1: don't,\n\nChannel 0: the phone.\n\nChannel 1: that's okay.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: That's that's alright. Do you want me just to run through the recommendations there for you? It is basically what we discussed, and then I've emailed it through to you for you to have a look at a bit later on. Does that work for you?\n\nChannel 0: Yeah. Yeah. Absolutely. Yes.\n\nChannel 1: Yeah. Fantastic. Well, I've sent the email through, so those documents will be in your inbox there as well. I did also have a quick look back, and it looks like our team have emailed through some annual review documents to you a few days ago as well. So I've done sent two Odoo signs back to you.\n\nThey'll both be at the top of your inbox. One of them\n\nChannel 0: Yep.\n\nChannel 1: will be the the statement of advice, and the other one's just your annual review doc. So if you can have a look at all those and flick them back and sign them if you're comfortable to, that'll just sort of help us along a bit. Okay?\n\nChannel 0: No no worries at all.\n\nChannel 1: Excellent. Now with this one here, Glenn, just to let you know, this statement of advice has been prepared by myself, Daniel Taylor. I'm an authorized representative under OV Financial's Australian Financial Services license, and my license number registered with us is 130 4394. Okay?\n\nChannel 0: Yep.\n\nChannel 1: Beautiful. Now with regard to the scope of advice, we have scoped in areas regarding around superannuation, estate planning, and also looking at debt management. So one of the things that we discussed was that you wanted to try and pay on your mortgage as much as possible. You are at about 65,664. Wanted to try and access a bit of money out of super to pay that debt down so you didn't have those expenses ahead of you, and you could focus on your wife's health moving forward.\n\nDoes that still sound fairly accurate?\n\nChannel 0: Yep. But since that what that's probably come down by about $10, that house repayment\n\nChannel 1: Oh, fantastic.\n\nChannel 0: loan. Because, yeah,\n\nChannel 1: Yeah.\n\nChannel 0: I got a good good fortnightly pay packet a couple of weeks ago and thought, right, let's go straight off.\n\nChannel 1: Fantastic. That actually is gonna help you quite significantly.\n\nChannel 0: So\n\nChannel 1: Excellent.\n\nChannel 0: yeah. Yeah.\n\nChannel 1: We've also scoped in areas of superannuation. So we also looked at reviewing the investments and not only how to withdraw the funds out so you can pay down the mortgage a bit, but also what to do with the investments inside of super to make sure that they're working harder for you at the same time and also the estate planning side of things. So I did have a look on your file. You do have a a nonbinding nomination there. You did wanna make sure if anything happens to you that your super is paid out to your wife to cover expenses and things like that.\n\nI've actually made a recommendation to alter that nomination as a nonbinding nomination kind of leaves it in the hands of the trustee. So what I'm gonna recommend, I'll show you it below, is just giving you more certainty around making sure that the benefit is paid out in your favor. Okay?\n\nChannel 0: Yep. Yep.\n\nChannel 1: Beautiful.\n\nChannel 0: Good.\n\nChannel 1: It's important to note that any recommendations we do make are made under the best interest duty. It's about making sure that we're here to meet your goals, that with the recommendations that in your best interest, that we're putting you in a positive position after these recommendations are made. Okay?\n\nChannel 0: Yep.\n\nChannel 1: Beautiful. So I'll just run through them fairly briefly for you so as not to overwhelm you too much. Essentially, what I'll then get you to do is have a reach for the document a bit later on, weigh up your options, have a look at the advantages, disadvantages, and the risks involved, and then you're welcome to let me know if you do have any additional questions there. Okay?\n\nChannel 0: Yep. Thanks.\n\nChannel 1: Perfect. Easy done. Now, essentially, with the recommendations here, we are recommending to start with that. We do move some money into that TTR pension that we discussed the other day, essentially, in order for you to be out of door down the funds required to be able to reduce the debt on your mortgage, we do have to give in your agents stage to utilize that transit retirement pension account. With the, with the super at the moment, we do have to leave 16,000 behind in the accumulation.\n\nSo we open up a second account, which is the trans transition to retirement pension account. We estimate that that'll be open with about 50 sorry. 500 and 23,000 and 500. Then you're able to draw down the maximum 10% for this financial year, which allows you to draw down fifty two thousand three hundred and fifty, and that will hopefully pay down the mortgage pretty significantly after you've made that nice big $10,000 lump sum payment there. Okay?\n\nChannel 0: Yeah. Yep. That'll just about clean it up, I reckon, with\n\nChannel 1: Absolutely.\n\nChannel 0: so\n\nChannel 1: One\n\nChannel 0: which\n\nChannel 1: less\n\nChannel 0: is\n\nChannel 1: thing\n\nChannel 0: awesome.\n\nChannel 1: to worry about.\n\nChannel 0: Yeah. Yep. Absolutely.\n\nChannel 1: Perfect. Now once that pension payment has been drawn down, because even the two accounts open does mean that you do pay too lots of, like, administration fees, investment fees, we wanna close it off. Once you've accessed that full 10%, you're no longer able to access anything further for this financial year. So we'll roll the funds back over from the pension into the accumulation account and have everything back in your super there. Okay?\n\nWhilst\n\nChannel 0: Beautiful.\n\nChannel 1: this is going through, we still keep the super open with the 16,000 in there. Your contributions can still be going in as normal. That will all stay exactly the same for you. Okay? When\n\nChannel 0: Hang on. I've lost y'all.\n\nChannel 1: you\n\nChannel 0: Where'd\n\nChannel 1: there,\n\nChannel 0: you\n\nChannel 1: Glenn?\n\nChannel 0: go?\n\nChannel 1: I think I\n\nChannel 0: Yep.\n\nChannel 1: was just on hold.\n\nChannel 0: Yep. Yep. Alright. Cool.\n\nChannel 1: That's so good. I could hear some lovely music. What was the last thing you heard me say?\n\nChannel 0: The last bit was leaving the account open so super could\n\nChannel 1: Yep.\n\nChannel 0: still go into it.\n\nChannel 1: Yeah. Correct. Perfect. So you'll have the two accounts open for a very short period of time. It does take about a week or two for that for the funds to be rolled over into the TTR pension there.\n\nThe benefit is we don't have to sell anything down to do that. Everything is sort of rolled over in what's called an in specie transfer. So if you have, say, Vanguard in your super, we can roll Vanguard over into the pension account to make it a much quicker and a streamlined process there. It does just take hub generally about sort of a week or two to complete the process. And the the team, if you decide to take on the advice here, they will send you an application, which will just require your bank details so we can have the pension payment paid down to you as well.\n\nOkay?\n\nChannel 0: Yep. Yep.\n\nChannel 1: Perfect. Essentially, having a bit of a look, once that is all done and, look, there are great advantages to doing this by taking this money out of super. It is important to note that you will have that 52,350 less in super than you did prior, but you'll also have reduced your mortgage to basically nothing as well. And your mortgage is a nondeductible debt, and having no mortgage left means you've got excess money to be able to pay for other bills, expenditure, and things like that as well. Okay?\n\nOnce you have drawn down that 52,350, unfortunately, you're not able to draw down any more for this financial\n\nChannel 0: Yep.\n\nChannel 1: year. But come next financial year, if you find you need anything additional, we can always look at revamping the strategy again then for you as well. Okay?\n\nChannel 0: Yeah. Yep. That's\n\nChannel 1: Perfect.\n\nChannel 0: good. I I I don't see anything in in the crystal ball that we'll need to draw down again.\n\nChannel 1: No. That's\n\nChannel 0: Yeah.\n\nChannel 1: absolutely fine. All good. Alternatives considered, we did look at just not doing the strategy or looking at providing cash flow and budgeting advice. However, you guys send this money now to pay down the mortgage. So following through with the strategy and and finding a way to draw the money out of this account for you put you in a better position, and get that mortgage sorted out now so we're not risking any large interest rate rises again over the next coming weeks for you.\n\nOkay?\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: Perfect. Now as I mentioned, once that drawdown has been completed, we will then roll the funds back from the pension into accumulations. Everything will go back into your existing super account there. You'll be left with only one account, and in the meantime, all of your contributions can be still going in, which is fantastic. We did look at other super funds to make sure that everything was working better.\n\nHowever, doing this within hub twenty four and retained the fund is still in your best interest as you don't have to move money around too much. It is a much faster process to have this completed for you as well. Okay?\n\nChannel 0: Yep.\n\nChannel 1: One of the things we did also talk about was altering the investments within the account there for you. So we did talk about how Banna Long is down quite significantly, and we also talked about, you know, maybe finding something else in to replace that with. We have done once we've rolled the funds back into accumulation and everything is there in the one place, we are also going to remove Banna Long Australian equities from your investment platform, and we're gonna replace it with the BetaShares Aussie two hundred. So this is essentially more of a passively managed fund instead of having some active management there. It is still giving you exposure to the top 200 companies within Australia, so you still have your Australian equities exposure.\n\nIt's just about making sure that you're in an investment that has had a greater track record so that we can access greater potential returns down the track for you as well. Okay?\n\nChannel 0: Beautiful. And that\n\nChannel 1: Perfect.\n\nChannel 0: will happen\n\nChannel 1: Yeah.\n\nChannel 0: after we we do the drawdown.\n\nChannel 1: The withdrawal. Yeah. That's correct.\n\nChannel 0: Yep.\n\nChannel 1: The withdrawal\n\nChannel 0: Cool.\n\nChannel 1: first. That way you get the\n\nChannel 0: Yep.\n\nChannel 1: money nice and quick, and then we can, you know, do all the transfers and and ultimately give investments after that time frame for you.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Okay?\n\nChannel 0: Yep. No worries.\n\nChannel 1: Perfect.\n\nChannel 0: Yep.\n\nChannel 1: We also did talk about looking at removing the bank hybrid. So that is something that is being phased out in the future by the in the regulatory landscape. So we are looking at removing that for you now and just replacing that. Essentially, in your super fund, you do have the core composite bonds. So taking out the bank hybrids, we're just gonna increase the exposure into the core composite bonds.\n\nYou'll see it on your super fund. It's got the ticket code IAF. That is still giving you access to the defensive investments looking at fixed interest and bonds. That's mostly just corporate and government bonds. And it's just about removing that bank hybrid sort of investment while we can before we have to.\n\nAnd utilizing\n\nChannel 0: Yep.\n\nChannel 1: because that along is down, there are some losses that we can utilize to offset the gains for switching out of the bank hybrids into the core composite bonds for you as well. Okay?\n\nChannel 0: Awesome.\n\nChannel 1: Perfect. We did go through that and double check these CDT consequences for you. So we do expect, essentially, the CDT consequences for going through the process and making the change. We estimate to be about $1,829. That's essentially just the capital gains cost that your super fund will have to account for you.\n\nOne of the things\n\nChannel 0: Yep.\n\nChannel 1: we did talk about last time was looking at our new SMA product, and we absolutely did do that for you. I've discounted and not put you into that product because the CGT consequences were over $8,000 for you. So I didn't wanna be moving money into pension, drawing money out of the system, and then rolling you back in and changing your investments too drastically to have a larger CGT consequence. So I thought just\n\nChannel 0: Yep.\n\nChannel 1: when we looked at the options, making smaller changes to your investment options had a smaller CGT consequence for you and was putting you in a better position moving forward with that drawdown as well. Does that make sense?\n\nChannel 0: Yeah. Yeah. Absolutely. Is there\n\nChannel 1: Yeah.\n\nChannel 0: something that we can look at and let, you know, in six\n\nChannel 1: Yeah.\n\nChannel 0: months time?\n\nChannel 1: Yep. Absolutely.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Absolutely.\n\nChannel 0: Yep.\n\nChannel 1: We can more than happy to look at that down the track again for you. I just\n\nChannel 0: Yep.\n\nChannel 1: didn't think withdrawing '52 or $1,000 out than having an $8,000 capital gains bill for your super fund was\n\nChannel 0: No.\n\nChannel 1: gonna provide any kind of benefit to you. But we can absolutely do that. So once we get this completed, we'll do your next annual review, and then we can always review going into the SMA then for you and what the tax consequences might look like. Okay?\n\nChannel 0: Awesome. Yep. Sounds\n\nChannel 1: Yeah.\n\nChannel 0: very good.\n\nChannel 1: Perfect.\n\nChannel 0: Yep.\n\nChannel 1: You'll see in the document here as you are going to, we do have a bit of a table that explains what we are selling and buying. So we are, as part of this, doing a bit of a rebalance there, but we are selling quite a few of your investments. We do make them red and green so you can see the differences there. We'll be selling some of the battery and lithium tech, all of your Benelon Australian equities, all of the bank hybrids, a little bit of physical gold, putting more money into your iShares core composite bond, selling some of the S and P 500 sorry. Some of the Aussie 200, some ClearBridge, and just making sure that everything is all in line with what it should be.\n\nOkay? Pardon\n\nChannel 0: Alrighty.\n\nChannel 1: me. Sorry.\n\nChannel 0: Yep. No. You're alright, Tom.\n\nChannel 1: All good. At the end of the day, once we complete the entire strategy, keeping you back in the super, even with the drawdowns and the ultra in the investments, we'll still see you in that seventy thirty split, which is giving you that balanced growth risk tolerance, and that sort of suits your time horizon for where you are at the moment, and that will kind of keep you in that area. So you're still in that comfort level with your growth and defensive investments there. The last thing, notably, is we did talk about increasing your contributions back into super. So once you've completed the strategy, you've paid down your mortgage.\n\nSo you also wanted to look at increasing those contributions back, increasing\n\nChannel 0: Yep.\n\nChannel 1: them to about, sorry, $330 on a fortnightly basis.\n\nChannel 0: Yep.\n\nChannel 1: So we have recommended that once we complete the strategy with the drawdown, move everything back into the investments with that, we do then start to salary sacrifice in at that $330 on a fortnightly basis. That's essentially meaning you get to increase your contributions back in. It gives you a sorry. I've actually got a table in here when you are looking at the documents to make it a bit easier for you. But\n\nChannel 0: Yep.\n\nChannel 1: it's on page 27. It certainly shows that with your starting salary of a 106,747, your current contributions in are about 6,500 on a yearly basis. By increasing that by that 330, we increase it to about 8,580, which is fantastic.\n\nChannel 0: Yep.\n\nChannel 1: Oh, sorry. That's the salary sacrifice your current to where you will be. It essentially helps to reduce your taxable income that is estimated. This is just basically estimated because we don't also factor in any of your tax deductions that your accountant can also include, but it does actually reduce your taxable income or approximate taxable income to about 98,167. So it helps to reduce the income tax that you are paying, but also puts a bit more industry for so you are building it back again.\n\nWhen we look at the consequences of withdrawing the funds out, while salary sacrifice will help you to build that back up, it never actually puts you back in the position you would have been had you not withdrawn those funds\n\nChannel 0: Yep.\n\nChannel 1: out initially. Okay? But it will\n\nChannel 0: Yeah.\n\nChannel 1: help to build it back as\n\nChannel 0: Yeah.\n\nChannel 1: we are putting more money back into super thereafter and still has a greater benefit for you over the longer term. One of the things I did also look at for you was the difference, and I've got the table in here for you, essentially, the difference between where you are now with your current balance, with your current salary sacrifice arrangement, your current contributions going in, and the current investment portfolio. If you did not, over the next sort of five years, withdraw these funds, we can project that forward showing you you could end up with about 895,515 in your super By\n\nChannel 0: Yep.\n\nChannel 1: taking out the 52,350, by also then maneuvering and changing the investments and cementing the CGT consequences of January, Essentially, with the portfolio, it's working slightly higher than what the current portfolio is, which will also put you in a bit of a benefit there, but then also increasing your contributions. Over the next five years, we can project that forward to give you roughly 870,982. So when you consider where you are now in projecting forward versus the recommended in projecting forward, it's only really giving you a difference of about 24,533. So from where you are now, the negative effect of taking on the advice is putting you backwards about 24,533. So it's not a massive difference.\n\nAnd in doing that, you've increased your salary sacrifice. You've changed your portfolio to something that's performing slightly better, and you've also drawn those funds down to pay your mortgage down. Does that make sense?\n\nChannel 0: Yeah. Absolutely. And and\n\nChannel 1: Yeah.\n\nChannel 0: going forward, I mean, we might even be able to add a bit more, you know, to that\n\nChannel 1: Yep.\n\nChannel 0: salary sacrifice. So, now that look. That that's actually a lot better than I thought I'd play at by\n\nChannel 1: Yeah.\n\nChannel 0: doing\n\nChannel 1: Yeah.\n\nChannel 0: it. Like, you know, 20\n\nChannel 1: Yep.\n\nChannel 0: grand by taking 15 getting rid of we'll we'll get rid of that mortgage with that, I reckon.\n\nChannel 1: Yeah. Yeah. Absolutely.\n\nChannel 0: So\n\nChannel 1: And, look, you're increasing your salary sacrifice pretty substantially from the 6,500 per year to 8,580. So it's making a much bigger difference for you. You'll be able to reduce your income tax slightly there as well. And like I said,\n\nChannel 0: Yep.\n\nChannel 1: you don't actually put yourself back in the position you were, but it does help to kinda build the gap a little bit for you.\n\nChannel 0: Yeah.\n\nChannel 1: In\n\nChannel 0: Yeah.\n\nChannel 1: the document, I do also account for the income side of things, the retirement income side of things, because you are only about five years out. It is just in there as a you know, this is what we expect on a limited scope basis, but it essentially shows you that by following the advice there with having paid the mortgage down. I know in retirement, you sort of weren't sure last time we spoke how much to be able to draw down, but this sort of shows you and we've kinda factored into, you know, given depending on how you are at the age of 67, if you're eligible for any kind of Centrelink, So long as you are, we can actually project it out knowing that you should be able to, based on the projection, draw an income of about 69,881, and we'll have your super last until about the age of 90\n\nChannel 0: Yep.\n\nChannel 1: with incorporating a little bit of Centrelink in there for you. So it does help you give a bit more longevity out of your super. This is something that's only in here as a bit of a this is the effect and the projected outcome on your retirement based on the recommendations we're making now, and we'll keep monitoring and updating those with you on a regular basis so that when you get to retirement, we have a better understanding of what to do. But this is just in there to kinda give you an idea of what we see and what the projected outcome looks like for you to give you an idea of where we can see things traveling towards at the moment.\n\nChannel 0: Yep. No. That's\n\nChannel 1: Yeah.\n\nChannel 0: all. That's that's a lot, but\n\nChannel 1: Yeah.\n\nChannel 0: that all sounds really positive for us and where we're at right now and what's going on. And, yeah, like,\n\nChannel 1: Yeah. Absolutely.\n\nChannel 0: to get rid of a 50,000 oh, well, whatever's left on the house now and, yeah, just\n\nChannel 1: Yeah.\n\nChannel 0: breathe a bit easier with\n\nChannel 1: Absolutely.\n\nChannel 0: other expenses.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Absolutely. I\n\nChannel 0: no.\n\nChannel 1: know it's a lot. I've probably just gone through a lot with you, and it's always harder when you're not sort of looking at the document because I'm trying to sort of make sure I'm not adding too much to you but hitting the points that I have to hit. But it does add you into a really good position, and removing that mortgage out of the way just to make things a little bit easier for you as well. One less bill or one less debt to worry about, and then you can sort of put your expendable cash flow, a, back into your super, but also into other things for your family as well. So\n\nChannel 0: Yeah. And that's it. You know,\n\nChannel 1: Yeah.\n\nChannel 0: that fortnightly withdrawal of $600 for for the house appointment. Yeah. No. It makes makes us a lot better off than\n\nChannel 1: Yeah.\n\nChannel 0: yeah. No. That that's awesome. And I can tell you now, Donna, that we are going to be on ahead with this.\n\nChannel 1: Fantastic. Wait till you see it.\n\nChannel 0: Yeah. Yeah. Yeah. Yeah. Now you put a lot of work in.\n\nI'll I'll I'll I'll look it over with Karen. No worries. But,\n\nChannel 1: Not a worry at all. Easy.\n\nChannel 0: yeah, it's certainly something\n\nChannel 1: Yeah.\n\nChannel 0: that that we have talked about, and we were pretty confident that we'd go ahead and\n\nChannel 1: Yes.\n\nChannel 0: everything I've just heard then just\n\nChannel 1: It solidifies\n\nChannel 0: submit\n\nChannel 1: it.\n\nChannel 0: to, Yes. A little\n\nChannel 1: Yeah.\n\nChannel 0: pause so that that we are on the right track and\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: that that that is awesome.\n\nChannel 1: Perfect. All good.\n\nChannel 0: Alright.\n\nChannel 1: The last thing I just wanted to let you know about is the benefit side of things. So we did sort of talk and touch base that you do want to make sure that if in the event you would have passed away, your super is paid out to Karen to your spouse if anything was\n\nChannel 0: Yep.\n\nChannel 1: to happen. When I did go back and do the research on your super fund at the moment, you have a non binding nomination. Now that essentially means that if in the event you would have passed away, you've nominated Karen to receive the funds for you. However, it is up to the trustee. By having a non binding nomination, it's not binding the trustee to follow the direction.\n\nIt's essentially just letting them know this is what you would like to happen, but they get to make the final decision. So what I have also recommended is that we alter that nomination still for Karen because she gets a 100% of it, but we're gonna nominate it as a binding, nonlapsing nomination for you. So that will\n\nChannel 0: Yeah.\n\nChannel 1: bind the trustee to follow your direction. And nonlapsing means you fill out one nomination. You don't have to fill out another one again unless your circumstances change. So it's giving you a little bit more certainty that if in the event something was to happen, that the the proceeds are paid as per your wishes, and the trustee needs to follow that direction for you as well. Okay?\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: Yeah. Oh,\n\nChannel 0: That's\n\nChannel 1: good.\n\nChannel 0: awesome.\n\nChannel 1: The only other thing I've added in there is just making sure that you guys do have a will and power of attorney up to date. It was something we sort of touched base on. You don't, from what I understand, don't have a\n\nChannel 0: Not.\n\nChannel 1: will or power of attorney. So as part of this, we do make the recommendation to speak to a solicitor, and I can get my team to send through an email as part of the implementation process just with some details on a local solicitor that we can refer you to, and it has a bit of costing on how much they charge to do the wheels for you as well. Okay?\n\nChannel 0: Yep. Yep. That'd\n\nChannel 1: Yeah.\n\nChannel 0: be great. I I think they may have tried that once before, but it it actually\n\nChannel 1: Yep.\n\nChannel 0: wouldn't open the attachment.\n\nChannel 1: Uh-huh.\n\nChannel 0: So that's okay. If I do it\n\nChannel 1: Yeah.\n\nChannel 0: again, I'll we'll try again.\n\nChannel 1: Absolutely. I can even get them to post it to you as well. That way, we make sure it comes through.\n\nChannel 0: That\n\nChannel 1: It might take a little\n\nChannel 0: yeah.\n\nChannel 1: bit longer, but it's\n\nChannel 0: Yeah.\n\nChannel 1: just another way to get that sorted for you. But we'll take some time to have a really good read to the document there. I do also have PDF documents attached for your hub 24, the super and pension side of things.\n\nChannel 0: Yep.\n\nChannel 1: I've also got an appendices attached to the document as well. It just sort of runs you through the research that we conducted to kinda give you an idea of other things that we've considered. And I've got in there I've run through some of the advantages, disadvantages, and alternatives, but this, as you're reading through, does sorta consider the full advantages, disadvantages, risks involved, and alternatives considered. So you can really get an understanding of your circumstances, why we've made the recommendation, and just making sure you're fully informed before you decide to take on that advice there. Okay?\n\nChannel 0: Alright. Thank you, Donna. I got a bit of fat\n\nChannel 1: That's\n\nChannel 0: writing today.\n\nChannel 1: you do. You do. No. Look. Honestly, I'm really happy that we've been able to do this for you.\n\nIt's a great strategy. I actually really enjoy these sorts of things, so thank you for the opportunity to put it together for you.\n\nChannel 0: Like\n\nChannel 1: Have some time. If you or Karen have any questions, you're welcome to let me know. I'll always make time to have a chat and work it out work it through with you. Okay?\n\nChannel 0: No. I appreciate all your help, Donna. It's not something that we're across, and it's great to have someone that's easy to deal with and explains it well. So\n\nChannel 1: Oh, thanks\n\nChannel 0: appreciate\n\nChannel 1: so much.\n\nChannel 0: that.\n\nChannel 1: Lovely.\n\nChannel 0: I have got one for you, though.\n\nChannel 1: Yeah.\n\nChannel 0: My colleague at work, Nat Bricknell, says bring him.\n\nChannel 1: Yeah. Right. What's his name?\n\nChannel 0: Nat Britnell. Apparently, you were doing\n\nChannel 1: Oh, yes.\n\nChannel 0: some some stuff\n\nChannel 1: I\n\nChannel 0: for him.\n\nChannel 1: do\n\nChannel 0: He said,\n\nChannel 1: know\n\nChannel 0: I\n\nChannel 1: that.\n\nChannel 0: haven't heard from yeah. I haven't heard from Diana for a while. I said, I'm talking to her today, mate.\n\nChannel 1: Yeah. I'll send him an email, give him a little update. I'm doing something quite big for him, so it takes a little bit. And I promised him it would take a bit. But I'll\n\nChannel 0: Yeah.\n\nChannel 1: I'll shoot\n\nChannel 0: No.\n\nChannel 1: him an email today and give him a little bit of an update for him. Easy.\n\nChannel 0: Yeah. He shouldn't have that sort of money to splash around anyway at his age.\n\nChannel 1: Oh, good. Not\n\nChannel 0: No.\n\nChannel 1: you at all, Glenn.\n\nChannel 0: Appreciate that. Would you do I need to book another catch up with you or now or just\n\nChannel 1: Not it's completely\n\nChannel 0: no.\n\nChannel 1: up to you. What I would probably say is have a read through the document first. If you find you do have any questions, let us know. We'll book in a time to follow-up. If you\n\nChannel 0: Yep.\n\nChannel 1: don't have any questions, you're happy just to sign it. Just you can then just sign it, return it back, and we will get the team to follow-up and go to the implementation side of things with you. Okay?\n\nChannel 0: Awesome. Thank you for your\n\nChannel 1: Yeah.\n\nChannel 0: time. I really do appreciate it, mate.\n\nChannel 1: That's okay.\n\nChannel 0: It is yeah. As I said, it's not something that that we know a lot about, but it's great to have access to people like yourself that who know what they're talking about.\n\nChannel 1: Yeah.\n\nChannel 0: Well,\n\nChannel 1: No.\n\nChannel 0: you sound\n\nChannel 1: Not\n\nChannel 0: like\n\nChannel 1: a\n\nChannel 0: you\n\nChannel 1: problem\n\nChannel 0: do anyway.\n\nChannel 1: at all. Thank you. I I love\n\nChannel 0: No.\n\nChannel 1: what I do. This is fantastic. But, no, thank you so much for the opportunity to put this together for you. And this is a new starting point. This is these advice pieces will need to evolve as your life evolves a long way, so absolutely\n\nChannel 0: Yep. No. No. I I truly appreciate it, mate. And it does you probably don't realize how much of a burden this lifts\n\nChannel 1: Yeah.\n\nChannel 0: just by\n\nChannel 1: Yeah.\n\nChannel 0: the the conversation and and now that it's doable. So thank you.\n\nChannel 1: No. No. That's okay. Not a problem at all. The only other thing I'd probably ask of you, Glenn, has anyone sort of sent you a message and asked you to leave a little bit of a a Google review on our website at all?\n\nChannel 0: You did last time, and I thought\n\nChannel 1: Yep.\n\nChannel 0: I did, but send it again\n\nChannel 1: That's\n\nChannel 0: because\n\nChannel 1: okay.\n\nChannel 0: I I'm more than happy to do it again if it didn't come\n\nChannel 1: Yeah.\n\nChannel 0: through.\n\nChannel 1: Perfect. I'll\n\nChannel 0: Yep.\n\nChannel 1: get the team to send that one through to you if that's okay. Just\n\nChannel 0: Yep.\n\nChannel 1: because we are,\n\nChannel 0: Absolutely.\n\nChannel 1: you know, a small business, it's important to have word-of-mouth out there. So that would\n\nChannel 0: Yeah.\n\nChannel 1: be fabulous\n\nChannel 0: Yeah.\n\nChannel 1: if you could do that for me,\n\nChannel 0: Done.\n\nChannel 1: and I'll get the team to email those details through for you. Thank you so much for your time today. I'll let you go if you have a good afternoon.\n\nChannel 0: Alright. Thanks, Don. You too.\n\nChannel 1: Thanks. See you later. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Welcome to IP Financial.","start":1.76,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.14983348734676838},{"text":"This is Jacob speaking.","start":3.1999998,"end":4.34,"sentiment":"neutral","sentiment_score":0.09209103882312775}],"sentiment":"neutral","sentiment_score":0.12096226308494806,"channel":1,"num_words":8,"start":1.76,"end":4.34},{"sentences":[{"text":"Hey, David.","start":4.88,"end":6.08,"sentiment":"neutral","sentiment_score":0.04607868939638138},{"text":"My name is Glen Annis.","start":6.08,"end":7.2,"sentiment":"neutral","sentiment_score":0.04766530394554138},{"text":"I had an appointment with Dana at oh, be up fifteen minutes ago.","start":7.2,"end":13.395,"sentiment":"neutral","sentiment_score":0.0308647439456903},{"text":"She did leave a message, but my phone never even rang.","start":13.775001,"end":16.255001,"sentiment":"neutral","sentiment_score":-0.20296781984242526},{"text":"I'm sorry.","start":16.255001,"end":16.915,"sentiment":"neutral","sentiment_score":-0.16853740811347961}],"sentiment":"neutral","sentiment_score":-0.0556968262023998,"channel":0,"num_words":33,"start":4.88,"end":16.915},{"sentences":[{"text":"Oh, no.","start":17.255001,"end":17.735,"sentiment":"neutral","sentiment_score":-0.027540287002921104},{"text":"That's okay, Glenn.","start":17.735,"end":18.535,"sentiment":"neutral","sentiment_score":0.09888283163309097},{"text":"No worries at all.","start":18.535,"end":19.415,"sentiment":"neutral","sentiment_score":0.05402123089879751},{"text":"What was your last name?","start":19.415,"end":20.715,"sentiment":"neutral","sentiment_score":0.020759310573339462}],"sentiment":"neutral","sentiment_score":0.04010352838252272,"channel":1,"num_words":14,"start":17.255001,"end":20.715},{"sentences":[{"text":"Ennis, e, n n, I s.","start":21.295,"end":23.315,"sentiment":"neutral","sentiment_score":0.014793175272643566}],"sentiment":"neutral","sentiment_score":0.014793175272643566,"channel":0,"num_words":6,"start":21.295,"end":23.315},{"sentences":[{"text":"Yep.","start":23.814999,"end":24.314999,"sentiment":"neutral","sentiment_score":0.054241813719272614},{"text":"Give me one second, Glenn.","start":24.375,"end":25.89,"sentiment":"neutral","sentiment_score":0.07556087076663971},{"text":"I'll just bring up your profile.","start":25.89,"end":27.67,"sentiment":"neutral","sentiment_score":0.09658359984556834},{"text":"Cool, Glenn.","start":31.81,"end":32.629997,"sentiment":"positive","sentiment_score":0.3501976579427719},{"text":"No worries.","start":32.77,"end":33.51,"sentiment":"neutral","sentiment_score":0.1520383283495903}],"sentiment":"neutral","sentiment_score":0.12600123370066285,"channel":1,"num_words":16,"start":23.814999,"end":33.51},{"sentences":[{"text":"I'll just get you to confirm your client password on file here for us.","start":33.89,"end":37.905,"sentiment":"neutral","sentiment_score":0.1406961360148021}],"sentiment":"neutral","sentiment_score":0.1406961360148021,"channel":1,"num_words":14,"start":33.89,"end":37.905},{"sentences":[{"text":"Yep.","start":39.795,"end":40.295,"sentiment":"neutral","sentiment_score":0.04927276074886322},{"text":"Is that Roxanne?","start":40.915,"end":41.975,"sentiment":"neutral","sentiment_score":0.04202441250284513}],"sentiment":"neutral","sentiment_score":0.04383649956434965,"channel":0,"num_words":4,"start":39.795,"end":41.975},{"sentences":[{"text":"Yeah.","start":42.625,"end":43.024998,"sentiment":"neutral","sentiment_score":0.08599451184272766},{"text":"Yep.","start":43.024998,"end":43.344997,"sentiment":"neutral","sentiment_score":0.10841076076030733},{"text":"That's the","start":43.344997,"end":43.745,"sentiment":"neutral","sentiment_score":0.2135404422879219}],"sentiment":"neutral","sentiment_score":0.1553715392947197,"channel":1,"num_words":4,"start":42.625,"end":43.745},{"sentences":[{"text":"Yep.","start":43.715,"end":44.215,"sentiment":"neutral","sentiment_score":0.1980193704366684}],"sentiment":"neutral","sentiment_score":0.1980193704366684,"channel":0,"num_words":1,"start":43.715,"end":44.215},{"sentences":[{"text":"one.","start":43.745,"end":44.065,"sentiment":"neutral","sentiment_score":0.2140757441520691},{"text":"I had a","start":44.065,"end":44.545,"sentiment":"positive","sentiment_score":0.5678270856539408}],"sentiment":"positive","sentiment_score":0.4793892502784729,"channel":1,"num_words":4,"start":43.745,"end":44.545},{"sentences":[{"text":"Beautiful.","start":44.434998,"end":44.934998,"sentiment":"positive","sentiment_score":0.7019201517105103}],"sentiment":"positive","sentiment_score":0.7019201517105103,"channel":0,"num_words":1,"start":44.434998,"end":44.934998},{"sentences":[{"text":"prompt here as your eldest child as well.","start":44.545,"end":46.864998,"sentiment":"positive","sentiment_score":0.5454551763832569}],"sentiment":"positive","sentiment_score":0.5454551763832569,"channel":1,"num_words":8,"start":44.545,"end":46.864998},{"sentences":[{"text":"Yeah.","start":46.835,"end":47.335,"sentiment":"neutral","sentiment_score":0.30833202600479126}],"sentiment":"neutral","sentiment_score":0.30833202600479126,"channel":0,"num_words":1,"start":46.835,"end":47.335},{"sentences":[{"text":"So you're still happy to keep that one, Glenn?","start":46.864998,"end":48.805,"sentiment":"positive","sentiment_score":0.40331396129396224}],"sentiment":"positive","sentiment_score":0.40331396129396224,"channel":1,"num_words":9,"start":46.864998,"end":48.805},{"sentences":[{"text":"Yeah.","start":49.155,"end":49.395,"sentiment":"neutral","sentiment_score":0.15588995814323425},{"text":"Yep.","start":49.395,"end":49.895,"sentiment":"neutral","sentiment_score":0.1318846344947815}],"sentiment":"neutral","sentiment_score":0.14388729631900787,"channel":0,"num_words":2,"start":49.155,"end":49.895},{"sentences":[{"text":"Yep.","start":49.824997,"end":50.225,"sentiment":"neutral","sentiment_score":0.13890153169631958},{"text":"No worries, Glenn.","start":50.225,"end":51.024998,"sentiment":"neutral","sentiment_score":0.23641187946001688},{"text":"That's all good.","start":51.024998,"end":51.585,"sentiment":"positive","sentiment_score":0.558040996392568},{"text":"So you had an appointment with 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about 6,500 on a yearly basis.","start":889.635,"end":899.075,"sentiment":"positive","sentiment_score":0.48890170184048737},{"text":"By increasing that by that 330, we increase it to about 8,580, which is fantastic.","start":899.075,"end":905.72,"sentiment":"positive","sentiment_score":0.6868446826934814}],"sentiment":"positive","sentiment_score":0.5440670091931413,"channel":1,"num_words":41,"start":888.315,"end":905.72},{"sentences":[{"text":"Yep.","start":906.415,"end":906.915,"sentiment":"positive","sentiment_score":0.3871987462043762}],"sentiment":"positive","sentiment_score":0.3871987462043762,"channel":0,"num_words":1,"start":906.415,"end":906.915},{"sentences":[{"text":"Oh, sorry.","start":907.06,"end":907.64,"sentiment":"neutral","sentiment_score":0.2198532074689865},{"text":"That's the salary sacrifice your current to where you will be.","start":907.86,"end":911.64,"sentiment":"neutral","sentiment_score":0.14826521548357877},{"text":"It essentially helps to reduce your taxable 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The agent explains that they will open a second account for retirement pension funds and draw down $52.50 to pay down the mortgage. They discuss retirement plans, retirement savings, and tax consequences. The agent emphasizes the importance of balancing growth risk tolerance and maintaining a balanced growth risk tolerance, and recommends changing the nomination for his spouse to a non binding nomination. They also discuss the benefits of working with their company and the retirement income side of things. The agent offers to send an email with more information and suggests referring a local solicitor for further advice."},"intents":{"segments":[{"text":"So you had an appointment with Dana. Give me one second. Dana's just giving me the thumbs up, so I'll transfer you through to her now. Awesome.","start_word":132,"end_word":158,"intents":[{"intent":"Transfer call","confidence_score":0.0799232}]},{"text":"Gwen, do you happen to have access to emails there at the moment at all?","start_word":299,"end_word":313,"intents":[{"intent":"Requesting access to emails","confidence_score":0.02317809},{"intent":"Checking availability of emails","confidence_score":0.00044190418},{"intent":"Requesting email","confidence_score":0.0007104424}]},{"text":"Do you want me just to run through the recommendations there for you?","start_word":330,"end_word":342,"intents":[{"intent":"Requesting look at recommendations","confidence_score":0.00018851069}]},{"text":"Yeah. Absolutely. Yes. Yeah. Fantastic.","start_word":374,"end_word":378,"intents":[{"intent":"Confirming understanding","confidence_score":0.0072395424}]},{"text":"So I've done sent two Odoo signs back to you. They'll both be at the top of your inbox. One of Yep. them will be the the statement of advice, and the other one's just your annual review doc. So if you can have a look at all those and flick them back and sign them if you're comfortable to, that'll just sort of help us along a bit. Okay?","start_word":425,"end_word":494,"intents":[{"intent":"Sending odoo signs","confidence_score":0.028244477}]},{"text":"Now with regard to the scope of advice, we have scoped in areas regarding around superannuation, estate planning, and also looking at debt management.","start_word":547,"end_word":570,"intents":[{"intent":"Discussing scope of advice","confidence_score":0.109460935}]},{"text":"I've actually made a recommendation to alter that nomination as a nonbinding nomination kind of leaves it in the hands of the trustee. So what I'm gonna recommend, I'll show you it below, is just giving you more certainty around making sure that the benefit is paid out in your favor. 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Once you've accessed that full 10%, you're no longer able to access anything further for this financial year. So we'll roll the funds back over from the pension into the accumulation account and have everything back in your super there. Okay? Whilst Beautiful.","start_word":1177,"end_word":1253,"intents":[{"intent":"Close off fund","confidence_score":0.14530121}]},{"text":"It does take about a week or two for that for the funds to be rolled over into the TTR pension there.","start_word":1364,"end_word":1385,"intents":[{"intent":"Consolidate funds","confidence_score":0.0017181347}]},{"text":"We also did talk about looking at removing the bank hybrid. So that is something that is being phased out in the future by the in the regulatory landscape. So we are looking at removing that for you now and just replacing that.","start_word":2093,"end_word":2135,"intents":[{"intent":"Discuss bank hybrid removal","confidence_score":0.026296522}]},{"text":"We did go through that and double check these CDT consequences for you. So we do expect, essentially, the CDT consequences for going through the process and making the change. We estimate to be about $1,829. That's essentially just the capital gains cost that your super fund will have to account for you.","start_word":2258,"end_word":2310,"intents":[{"intent":"Optimize cdt consequences","confidence_score":0.0019839958}]},{"text":"You'll see in the document here as you are going to, we do have a bit of a table that explains what we are selling and buying.","start_word":2553,"end_word":2579,"intents":[{"intent":"Discuss selling and investing","confidence_score":0.001426033}]},{"text":"So you also wanted to look at increasing those contributions back, increasing Yep. them to about, sorry, $330 on a fortnightly basis. Yep.","start_word":2809,"end_word":2831,"intents":[{"intent":"Increase contributions","confidence_score":0.6096171}]},{"text":"It essentially helps to reduce your taxable income that is estimated. This is just basically estimated because we don't also factor in any of your tax deductions that your accountant can also include, but it does actually reduce your taxable income or approximate taxable income to about 98,167.","start_word":2962,"end_word":3009,"intents":[{"intent":"Reduce taxable income","confidence_score":0.5322309}]},{"text":"we are putting more money back into super thereafter and still has a greater benefit for you over the longer term.","start_word":3093,"end_word":3113,"intents":[{"intent":"Understand benefits","confidence_score":0.0011761697}]},{"text":"If you did not, over the next sort of five years, withdraw these funds, we can project that forward showing you you could end up with about 895,515 in your super By Yep.","start_word":3166,"end_word":3198,"intents":[{"intent":"Project funds","confidence_score":0.32966405},{"intent":"Consider projecting","confidence_score":0.00084084884}]},{"text":"Over the next five years, we can project that forward to give you roughly 870,982. So when you consider where you are now in projecting forward versus the recommended in projecting forward, it's only really giving you a difference of about 24,533. So from where you are now, the negative effect of taking on the advice is putting you backwards about 24,533. So it's not a massive difference.","start_word":3249,"end_word":3316,"intents":[{"intent":"Increase contributions","confidence_score":0.37401223}]},{"text":"And in doing that, you've increased your salary sacrifice. You've changed your portfolio to something that's performing slightly better, and you've also drawn those funds down to pay your mortgage down. Does that make sense? Yeah.","start_word":3317,"end_word":3352,"intents":[{"intent":"Add salary sacrifice","confidence_score":0.02594233}]},{"text":"You'll be able to reduce your income tax slightly there as well.","start_word":3451,"end_word":3462,"intents":[{"intent":"Reduce income tax","confidence_score":0.84536743}]},{"text":"the document, I do also account for the income side of things, the retirement income side of things, because you are only about five years out. It is just in there as a you know, this is what we expect on a limited scope basis, but it essentially shows you that by following the advice there with having paid the mortgage down.","start_word":3497,"end_word":3558,"intents":[{"intent":"Evaluate retirement outcomes","confidence_score":0.046163686}]},{"text":"everything I've just heard then just It solidifies submit it. to, Yes.","start_word":4067,"end_word":4078,"intents":[{"intent":"Submit super fund","confidence_score":0.0003479489}]},{"text":"So what I have also recommended is that we alter that nomination still for Karen because she gets a 100% of it, but we're gonna nominate it as a binding, nonlapsing nomination for you.","start_word":4252,"end_word":4285,"intents":[{"intent":"Propose modifying nomination","confidence_score":0.011868427}]},{"text":"So what I have also recommended is that we alter that nomination still for Karen because she gets a 100% of it, but we're gonna nominate it as a binding, nonlapsing nomination for you. So that will Yeah.","start_word":4252,"end_word":4289,"intents":[{"intent":"Recommend modifying nomination","confidence_score":0.028790394}]},{"text":"The only other thing I've added in there is just making sure that you guys do have a will and power of attorney up to date.","start_word":4366,"end_word":4391,"intents":[{"intent":"Inquire about will and power of attorney","confidence_score":0.042018868},{"intent":"Provide will and power of attorney recommendations","confidence_score":0.00062837376}]},{"text":"So as part of this, we do make the recommendation to speak to a solicitor, and I can get my team to send through an email as part of the implementation process just with some details on a local solicitor that we can refer you to, and it has a bit of costing on how much they charge to do the wheels for you as well. Okay?","start_word":4416,"end_word":4482,"intents":[{"intent":"Advise to contact local solicitor","confidence_score":0.000015606578},{"intent":"Recommend contacting solicitor","confidence_score":0.008857691},{"intent":"Recommend contacting local solicitor","confidence_score":0.007026852}]},{"text":"So as part of this, we do make the recommendation to speak to a solicitor, and I can get my team to send through an email as part of the implementation process just with some details on a local solicitor that we can refer you to, and it has a bit of costing on how much they charge to do the wheels for you as well. Okay? Yep.","start_word":4416,"end_word":4483,"intents":[{"intent":"Send email with instructions","confidence_score":0.017670153}]},{"text":"So you can really get an understanding of your circumstances, why we've made the recommendation, and just making sure you're fully informed before you decide to take on that advice there. Okay?","start_word":4666,"end_word":4697,"intents":[{"intent":"Discuss situation","confidence_score":0.03348294}]},{"text":"So you can really get an understanding of your circumstances, why we've made the recommendation, and just making sure you're fully informed before you decide to take on that advice there. Okay? Alright.","start_word":4666,"end_word":4698,"intents":[{"intent":"Provide information","confidence_score":0.10682726},{"intent":"Provide advice","confidence_score":0.025818814}]},{"text":"What's his name? Nat Britnell.","start_word":4844,"end_word":4848,"intents":[{"intent":"Confirm name","confidence_score":0.0045500104}]},{"text":"I'll send him an email, give him a little update.","start_word":4888,"end_word":4897,"intents":[{"intent":"Send email","confidence_score":0.41496614}]}]},"sentiments":{"segments":[{"text":"Welcome to IP Financial. This is Jacob speaking. Hey, David. My name is Glen Annis. I had an appointment with Dana at oh, be up fifteen minutes ago. She did leave a message, but my phone never even rang. I'm sorry. Oh, no. That's okay, Glenn. No worries at all. What was your last name? Ennis, e, n n, I s. Yep. Give me one second, Glenn. I'll just bring up your profile.","start_word":0,"end_word":72,"sentiment":"neutral","sentiment_score":0.010667096823453903},{"text":"Cool, Glenn.","start_word":73,"end_word":74,"sentiment":"positive","sentiment_score":0.339274138212204},{"text":"No worries. I'll just get you to confirm your client password on file here for us. Yep. Is that Roxanne? Yeah. Yep. That's the Yep. one.","start_word":75,"end_word":100,"sentiment":"neutral","sentiment_score":0.1293644905090332},{"text":"I had a Beautiful. prompt here as your eldest child as well.","start_word":101,"end_word":112,"sentiment":"positive","sentiment_score":0.554653525352478},{"text":"Yeah.","start_word":113,"end_word":113,"sentiment":"neutral","sentiment_score":0.30833202600479126},{"text":"So you're still happy to keep that one, Glenn?","start_word":114,"end_word":122,"sentiment":"positive","sentiment_score":0.3928628861904144},{"text":"Yeah. Yep. Yep. No worries, Glenn.","start_word":123,"end_word":128,"sentiment":"neutral","sentiment_score":0.18542832136154175},{"text":"That's all good.","start_word":129,"end_word":131,"sentiment":"positive","sentiment_score":0.5499796271324158},{"text":"So you had an appointment with Dana. Give me one second. Dana's just giving me the thumbs up, so I'll transfer you through to her now.","start_word":132,"end_word":157,"sentiment":"neutral","sentiment_score":0.27676570415496826},{"text":"Awesome. Thank you.","start_word":158,"end_word":160,"sentiment":"positive","sentiment_score":0.5819995999336243},{"text":"Okay.","start_word":161,"end_word":161,"sentiment":"neutral","sentiment_score":0.2751235365867615},{"text":"Thanks, Glenn.","start_word":162,"end_word":163,"sentiment":"positive","sentiment_score":0.3670575022697449},{"text":"I'm transferring now.","start_word":164,"end_word":166,"sentiment":"neutral","sentiment_score":0.28555023670196533},{"text":"Thanks.","start_word":167,"end_word":167,"sentiment":"positive","sentiment_score":0.3670583963394165},{"text":"Hi, Glenn. It's Dana. How are you this afternoon?","start_word":168,"end_word":176,"sentiment":"neutral","sentiment_score":0.24289175868034363},{"text":"I'm good.","start_word":177,"end_word":178,"sentiment":"positive","sentiment_score":0.3769948184490204},{"text":"Thanks. Sorry. My phone never even rang. It wasn't I was saying you a left a message. Thought, oh, didn't even hear it. So That's anyway. honestly okay. It was a bit weird on my end too because I couldn't even hear the phone ringing on your end, but it kind of pretended like I could see it trying to dial out, and then it went through the message bank. So I thought I'll send you a text message because at least then if you're out of reception or if it's my phone, at least then you know it was me, and we've tried to call and you can call back when you're good. So Yeah.","start_word":179,"end_word":294,"sentiment":"neutral","sentiment_score":-0.19099779427051544},{"text":"All good. easy.","start_word":295,"end_word":297,"sentiment":"positive","sentiment_score":0.4251783490180969},{"text":"Gwen, do you happen to have access to emails there at the moment at all? I can If you on don't, the phone. that's okay. Yeah. Yeah. Yep. Yeah. That's that's alright. Do you want me just to run through the recommendations there for you? It is basically what we discussed, and then I've emailed it through to you for you to have a look at a bit later on. Does that work for you? Yeah. Yeah. Absolutely. Yes.","start_word":298,"end_word":376,"sentiment":"neutral","sentiment_score":0.10700511932373048},{"text":"Yeah. Fantastic. Well, I've sent the email through, so those documents will be in your inbox there as well.","start_word":377,"end_word":395,"sentiment":"positive","sentiment_score":0.4280611574649811},{"text":"I did also have a quick look back, and it looks like our team have emailed through some annual review documents to you a few days ago as well. So I've done sent two Odoo signs back to you. They'll both be at the top of your inbox. One of Yep. them will be the the statement of advice, and the other one's just your annual review doc. So if you can have a look at all those and flick them back and sign them if you're comfortable to, that'll just sort of help us along a bit. Okay? No no worries at all.","start_word":396,"end_word":499,"sentiment":"neutral","sentiment_score":0.21464020013809204},{"text":"Excellent.","start_word":500,"end_word":500,"sentiment":"positive","sentiment_score":0.6115933656692505},{"text":"Now with this one here, Glenn, just to let you know, this statement of advice has been prepared by myself, Daniel Taylor. I'm an authorized representative under OV Financial's Australian Financial Services license, and my license number registered with us is 130 4394. Okay? Yep.","start_word":501,"end_word":545,"sentiment":"neutral","sentiment_score":0.1601489931344986},{"text":"Beautiful.","start_word":546,"end_word":546,"sentiment":"positive","sentiment_score":0.5048494935035706},{"text":"Now with regard to the scope of advice, we have scoped in areas regarding around superannuation, estate planning, and also looking at debt management. So one of the things that we discussed was that you wanted to try and pay on your mortgage as much as possible. You are at about 65,664. Wanted to try and access a bit of money out of super to pay that debt down so you didn't have those expenses ahead of you, and you could focus on your wife's health moving forward. Does that still sound fairly accurate? Yep. But since that what that's probably come down by about $10, that house repayment Oh, fantastic. loan. Because, yeah, Yeah. I got a good good fortnightly pay packet a couple of weeks ago and thought, right, let's go straight off.","start_word":547,"end_word":681,"sentiment":"neutral","sentiment_score":0.17113422298872913},{"text":"Fantastic. That actually is gonna help you quite significantly. So Excellent.","start_word":682,"end_word":692,"sentiment":"positive","sentiment_score":0.7394104599952698},{"text":"yeah. Yeah. We've also scoped in areas of superannuation. So we also looked at reviewing the investments and not only how to withdraw the funds out so you can pay down the mortgage a bit, but also what to do with the investments inside of super to make sure that they're working harder for you at the same time and also the estate planning side of things. So I did have a look on your file. You do have a a nonbinding nomination there. You did wanna make sure if anything happens to you that your super is paid out to your wife to cover expenses and things like that. I've actually made a recommendation to alter that nomination as a nonbinding nomination kind of leaves it in the hands of the trustee. So what I'm gonna recommend, I'll show you it below, is just giving you more certainty around making sure that the benefit is paid out in your favor. Okay? Yep. Yep.","start_word":693,"end_word":856,"sentiment":"neutral","sentiment_score":0.1196402907371521},{"text":"Beautiful. Good.","start_word":857,"end_word":858,"sentiment":"positive","sentiment_score":0.48287928104400635},{"text":"It's important to note that any recommendations we do make are made under the best interest duty.","start_word":859,"end_word":875,"sentiment":"neutral","sentiment_score":0.21305643022060392},{"text":"It's about making sure that we're here to meet your goals, that with the recommendations that in your best interest, that we're putting you in a positive position after these recommendations are made.","start_word":876,"end_word":908,"sentiment":"positive","sentiment_score":0.33722907304763794},{"text":"Okay? Yep.","start_word":909,"end_word":910,"sentiment":"neutral","sentiment_score":0.14188651740550995},{"text":"Beautiful.","start_word":911,"end_word":911,"sentiment":"positive","sentiment_score":0.3617784380912781},{"text":"So I'll just run through them fairly briefly for you so as not to overwhelm you too much. Essentially, what I'll then get you to do is have a reach for the document a bit later on, weigh up your options, have a look at the advantages, disadvantages, and the risks involved, and then you're welcome to let me know if you do have any additional questions there. Okay? Yep.","start_word":912,"end_word":981,"sentiment":"neutral","sentiment_score":0.14582090079784393},{"text":"Thanks. Perfect. Easy done.","start_word":982,"end_word":985,"sentiment":"positive","sentiment_score":0.4951547682285309},{"text":"Now, essentially, with the recommendations here, we are recommending to start with that. We do move some money into that TTR pension that we discussed the other day, essentially, in order for you to be out of door down the funds required to be able to reduce the debt on your mortgage, we do have to give in your agents stage to utilize that transit retirement pension account. With the, with the super at the moment, we do have to leave 16,000 behind in the accumulation. So we open up a second account, which is the trans transition to retirement pension account. We estimate that that'll be open with about 50 sorry. 500 and 23,000 and 500. Then you're able to draw down the maximum 10% for this financial year, which allows you to draw down fifty two thousand three hundred and fifty, and that will hopefully pay down the mortgage pretty significantly after you've made that nice big $10,000 lump sum payment there. Okay? Yeah. Yep. That'll just about clean it up, I reckon, with Absolutely. so One which is less thing awesome. to worry about. Yeah. Yep.","start_word":986,"end_word":1174,"sentiment":"neutral","sentiment_score":0.11451386707642722},{"text":"Absolutely. Perfect.","start_word":1175,"end_word":1176,"sentiment":"positive","sentiment_score":0.45073965191841125},{"text":"Now once that pension payment has been drawn down, because even the two accounts open does mean that you do pay too lots of, like, administration fees, investment fees, we wanna close it off. Once you've accessed that full 10%, you're no longer able to access anything further for this financial year. So we'll roll the funds back over from the pension into the accumulation account and have everything back in your super there. Okay? Whilst Beautiful. this is going through, we still keep the super open with the 16,000 in there.","start_word":1177,"end_word":1268,"sentiment":"neutral","sentiment_score":0.11843281239271164},{"text":"Your contributions can still be going in as normal.","start_word":1269,"end_word":1277,"sentiment":"positive","sentiment_score":0.3590974807739258},{"text":"That will all stay exactly the same for you. Okay? When Hang on. I've lost y'all. you Where'd there, you Glenn? go? I think I Yep. was just on hold. Yep. Yep. Alright. Cool.","start_word":1278,"end_word":1311,"sentiment":"neutral","sentiment_score":0.02946818806231022},{"text":"That's so good. I could hear some lovely music.","start_word":1312,"end_word":1320,"sentiment":"positive","sentiment_score":0.5411217212677002},{"text":"What was the last thing you heard me say? The last bit was leaving the account open so super could still Yep. go into it. Yeah. Correct. Perfect. So you'll have the two accounts open for a very short period of time. It does take about a week or two for that for the funds to be rolled over into the TTR pension there. The benefit is we don't have to sell anything down to do that. Everything is sort of rolled over in what's called an in specie transfer.","start_word":1321,"end_word":1410,"sentiment":"neutral","sentiment_score":0.1653271074096362},{"text":"So if you have, say, Vanguard in your super, we can roll Vanguard over into the pension account to make it a much quicker and a streamlined process there.","start_word":1411,"end_word":1439,"sentiment":"positive","sentiment_score":0.34502485394477844},{"text":"It does just take hub generally about sort of a week or two to complete the process. And the the team, if you decide to take on the advice here, they will send you an application, which will just require your bank details so we can have the pension payment paid down to you as well. Okay? Yep. Yep.","start_word":1440,"end_word":1498,"sentiment":"neutral","sentiment_score":0.21404826641082764},{"text":"Perfect. Essentially, having a bit of a look, once that is all done and, look, there are great advantages to doing this by taking this money out of super. It is important to note that you will have that 52,350 less in super than you did prior, but you'll also have reduced your mortgage to basically nothing as well.","start_word":1499,"end_word":1557,"sentiment":"positive","sentiment_score":0.3950032889842987},{"text":"And your mortgage is a nondeductible debt, and having no mortgage left means you've got excess money to be able to pay for other bills, expenditure, and things like that as well. Okay? Once you have drawn down that 52,350, unfortunately, you're not able to draw down any more for this financial Yep. year. But come next financial year, if you find you need anything additional, we can always look at revamping the strategy again then for you as well. Okay? Yeah. Yep.","start_word":1558,"end_word":1640,"sentiment":"neutral","sentiment_score":0.07501237094402313},{"text":"That's Perfect. good.","start_word":1641,"end_word":1643,"sentiment":"positive","sentiment_score":0.4192968904972077},{"text":"I I I don't see anything in in the crystal ball that we'll need to draw down again.","start_word":1644,"end_word":1661,"sentiment":"negative","sentiment_score":-0.3399098813533783},{"text":"No. That's Yeah. absolutely fine.","start_word":1662,"end_word":1666,"sentiment":"neutral","sentiment_score":0.025575382634997368},{"text":"All good.","start_word":1667,"end_word":1668,"sentiment":"positive","sentiment_score":0.35201215744018555},{"text":"Alternatives considered, we did look at just not doing the strategy or looking at providing cash flow and budgeting advice. However, you guys send this money now to pay down the mortgage. So following through with the strategy and and finding a way to draw the money out of this account for you put you in a better position, and get that mortgage sorted out now so we're not risking any large interest rate rises again over the next coming weeks for you. Okay? Yeah.","start_word":1669,"end_word":1753,"sentiment":"neutral","sentiment_score":0.11604267639272352},{"text":"Beautiful. Perfect.","start_word":1754,"end_word":1755,"sentiment":"positive","sentiment_score":0.6625721454620361},{"text":"Now as I mentioned, once that drawdown has been completed, we will then roll the funds back from the pension into accumulations.","start_word":1756,"end_word":1777,"sentiment":"neutral","sentiment_score":0.2556810975074768},{"text":"Everything will go back into your existing super account there. You'll be left with only one account, and in the meantime, all of your contributions can be still going in, which is fantastic.","start_word":1778,"end_word":1810,"sentiment":"positive","sentiment_score":0.5349125266075134},{"text":"We did look at other super funds to make sure that everything was working better. However, doing this within hub twenty four and retained the fund is still in your best interest as you don't have to move money around too much.","start_word":1811,"end_word":1852,"sentiment":"neutral","sentiment_score":0.2897143065929413},{"text":"It is a much faster process to have this completed for you as well.","start_word":1853,"end_word":1866,"sentiment":"positive","sentiment_score":0.4299050569534302},{"text":"Okay? Yep. One of the things we did also talk about was altering the investments within the account there for you. So we did talk about how Banna Long is down quite significantly, and we also talked about, you know, maybe finding something else in to replace that with. We have done once we've rolled the funds back into accumulation and everything is there in the one place, we are also going to remove Banna Long Australian equities from your investment platform, and we're gonna replace it with the BetaShares Aussie two hundred. So this is essentially more of a passively managed fund instead of having some active management there. It is still giving you exposure to the top 200 companies within Australia, so you still have your Australian equities exposure. It's just about making sure that you're in an investment that has had a greater track record so that we can access greater potential returns down the track for you as well. Okay?","start_word":1867,"end_word":2030,"sentiment":"neutral","sentiment_score":0.12151604145765305},{"text":"Beautiful.","start_word":2031,"end_word":2031,"sentiment":"positive","sentiment_score":0.3338342607021332},{"text":"And that Perfect. will happen Yeah. after we we do the drawdown. The withdrawal. Yeah. That's correct. Yep. The withdrawal Cool. first. That way you get the Yep. money nice and quick, and then we can, you know, do all the transfers and and ultimately give investments after that time frame for you. Yep. Yep. Okay? Yep. No worries.","start_word":2032,"end_word":2090,"sentiment":"neutral","sentiment_score":0.17430313007306245},{"text":"Perfect.","start_word":2091,"end_word":2091,"sentiment":"positive","sentiment_score":0.578379213809967},{"text":"Yep. We also did talk about looking at removing the bank hybrid. So that is something that is being phased out in the future by the in the regulatory landscape. So we are looking at removing that for you now and just replacing that. Essentially, in your super fund, you do have the core composite bonds. So taking out the bank hybrids, we're just gonna increase the exposure into the core composite bonds. You'll see it on your super fund. It's got the ticket code IAF. That is still giving you access to the defensive investments looking at fixed interest and bonds. That's mostly just corporate and government bonds. And it's just about removing that bank hybrid sort of investment while we can before we have to. And utilizing Yep. because that along is down, there are some losses that we can utilize to offset the gains for switching out of the bank hybrids into the core composite bonds for you as well. Okay?","start_word":2092,"end_word":2255,"sentiment":"neutral","sentiment_score":0.03770655021071434},{"text":"Awesome. Perfect.","start_word":2256,"end_word":2257,"sentiment":"positive","sentiment_score":0.581101655960083},{"text":"We did go through that and double check these CDT consequences for you. So we do expect, essentially, the CDT consequences for going through the process and making the change. We estimate to be about $1,829. That's essentially just the capital gains cost that your super fund will have to account for you. One of the things Yep. we did talk about last time was looking at our new SMA product, and we absolutely did do that for you. I've discounted and not put you into that product because the CGT consequences were over $8,000 for you. So I didn't wanna be moving money into pension, drawing money out of the system, and then rolling you back in and changing your investments too drastically to have a larger CGT consequence. So I thought just Yep. when we looked at the options, making smaller changes to your investment options had a smaller CGT consequence for you and was putting you in a better position moving forward with that drawdown as well. Does that make sense? Yeah. Yeah. Absolutely. Is there Yeah. something that we can look at and let, you know, in six Yeah. months time? Yep. Absolutely. Yep. Yeah. Absolutely. Yep.","start_word":2258,"end_word":2458,"sentiment":"neutral","sentiment_score":0.08759670960369395},{"text":"We can more than happy to look at that down the track again for you.","start_word":2459,"end_word":2473,"sentiment":"positive","sentiment_score":0.6854996681213379},{"text":"I just Yep. didn't think withdrawing '52 or $1,000 out than having an $8,000 capital gains bill for your super fund was No. gonna provide any kind of benefit to you.","start_word":2474,"end_word":2504,"sentiment":"neutral","sentiment_score":-0.06832875311374664},{"text":"But we can absolutely do that.","start_word":2505,"end_word":2510,"sentiment":"positive","sentiment_score":0.47350382804870605},{"text":"So once we get this completed, we'll do your next annual review, and then we can always review going into the SMA then for you and what the tax consequences might look like. Okay?","start_word":2511,"end_word":2544,"sentiment":"neutral","sentiment_score":0.10158711671829224},{"text":"Awesome.","start_word":2545,"end_word":2545,"sentiment":"positive","sentiment_score":0.4096240997314453},{"text":"Yep.","start_word":2546,"end_word":2546,"sentiment":"neutral","sentiment_score":0.2409655749797821},{"text":"Sounds Yeah. very good. Perfect.","start_word":2547,"end_word":2551,"sentiment":"positive","sentiment_score":0.5144774913787842},{"text":"Yep. You'll see in the document here as you are going to, we do have a bit of a table that explains what we are selling and buying. So we are, as part of this, doing a bit of a rebalance there, but we are selling quite a few of your investments. We do make them red and green so you can see the differences there. We'll be selling some of the battery and lithium tech, all of your Benelon Australian equities, all of the bank hybrids, a little bit of physical gold, putting more money into your iShares core composite bond, selling some of the S and P 500 sorry. Some of the Aussie 200, some ClearBridge, and just making sure that everything is all in line with what it should be. Okay? Pardon Alrighty. me. Sorry. Yep. No. You're alright, Tom.","start_word":2552,"end_word":2694,"sentiment":"neutral","sentiment_score":0.20340542495250705},{"text":"All good.","start_word":2695,"end_word":2696,"sentiment":"positive","sentiment_score":0.40970534086227417},{"text":"At the end of the day, once we complete the entire strategy, keeping you back in the super, even with the drawdowns and the ultra in the investments, we'll still see you in that seventy thirty split, which is giving you that balanced growth risk tolerance, and that sort of suits your time horizon for where you are at the moment, and that will kind of keep you in that area.","start_word":2697,"end_word":2767,"sentiment":"neutral","sentiment_score":0.3058551549911499},{"text":"So you're still in that comfort level with your growth and defensive investments there.","start_word":2768,"end_word":2781,"sentiment":"positive","sentiment_score":0.45748990774154663},{"text":"The last thing, notably, is we did talk about increasing your contributions back into super. So once you've completed the strategy, you've paid down your mortgage. So you also wanted to look at increasing those contributions back, increasing Yep. them to about, sorry, $330 on a fortnightly basis. Yep. So we have recommended that once we complete the strategy with the drawdown, move everything back into the investments with that, we do then start to salary sacrifice in at that $330 on a fortnightly basis.","start_word":2782,"end_word":2866,"sentiment":"neutral","sentiment_score":0.21615519120412716},{"text":"That's essentially meaning you get to increase your contributions back in.","start_word":2867,"end_word":2877,"sentiment":"positive","sentiment_score":0.4029671847820282},{"text":"It gives you a sorry. I've actually got a table in here when you are looking at the documents to make it a bit easier for you. But Yep. it's on page 27.","start_word":2878,"end_word":2910,"sentiment":"neutral","sentiment_score":0.2221912294626236},{"text":"It certainly shows that with your starting salary of a 106,747, your current contributions in are about 6,500 on a yearly basis. By increasing that by that 330, we increase it to about 8,580, which is fantastic. Yep.","start_word":2911,"end_word":2948,"sentiment":"positive","sentiment_score":0.5434517860412598},{"text":"Oh, sorry. That's the salary sacrifice your current to where you will be. It essentially helps to reduce your taxable income that is estimated. This is just basically estimated because we don't also factor in any of your tax deductions that your accountant can also include, but it does actually reduce your taxable income or approximate taxable income to about 98,167.","start_word":2949,"end_word":3009,"sentiment":"neutral","sentiment_score":0.20384375751018524},{"text":"So it helps to reduce the income tax that you are paying, but also puts a bit more industry for so you are building it back again.","start_word":3010,"end_word":3036,"sentiment":"positive","sentiment_score":0.33547601103782654},{"text":"When we look at the consequences of withdrawing the funds out, while salary sacrifice will help you to build that back up, it never actually puts you back in the position you would have been had you not withdrawn those funds Yep. out initially. Okay? But it will Yeah. help to build it back as Yeah.","start_word":3037,"end_word":3092,"sentiment":"neutral","sentiment_score":0.07585997879505157},{"text":"we are putting more money back into super thereafter and still has a greater benefit for you over the longer term.","start_word":3093,"end_word":3113,"sentiment":"positive","sentiment_score":0.5846385359764099},{"text":"One of the things I did also look at for you was the difference, and I've got the table in here for you, essentially, the difference between where you are now with your current balance, with your current salary sacrifice arrangement, your current contributions going in, and the current investment portfolio. If you did not, over the next sort of five years, withdraw these funds, we can project that forward showing you you could end up with about 895,515 in your super By Yep. taking out the 52,350, by also then maneuvering and changing the investments and cementing the CGT consequences of January, Essentially, with the portfolio, it's working slightly higher than what the current portfolio is, which will also put you in a bit of a benefit there, but then also increasing your contributions. Over the next five years, we can project that forward to give you roughly 870,982. So when you consider where you are now in projecting forward versus the recommended in projecting forward, it's only really giving you a difference of about 24,533. So from where you are now, the negative effect of taking on the advice is putting you backwards about 24,533. So it's not a massive difference. And in doing that, you've increased your salary sacrifice. You've changed your portfolio to something that's performing slightly better, and you've also drawn those funds down to pay your mortgage down. Does that make sense? Yeah.","start_word":3114,"end_word":3352,"sentiment":"neutral","sentiment_score":0.05236067866057033},{"text":"Absolutely.","start_word":3353,"end_word":3353,"sentiment":"positive","sentiment_score":0.3391052484512329},{"text":"And and Yeah. going forward, I mean, we might even be able to add a bit more, you know, to that Yep. salary sacrifice. So, now that look.","start_word":3354,"end_word":3381,"sentiment":"neutral","sentiment_score":0.1862881630659103},{"text":"That that's actually a lot better than I thought I'd play at by Yeah.","start_word":3382,"end_word":3395,"sentiment":"positive","sentiment_score":0.3586484491825104},{"text":"doing Yeah. it. Like, you know, 20 Yep. grand by taking 15 getting rid of we'll we'll get rid of that mortgage with that, I reckon. Yeah. Yeah.","start_word":3396,"end_word":3423,"sentiment":"neutral","sentiment_score":0.08113563805818558},{"text":"Absolutely. So And, look, you're increasing your salary sacrifice pretty substantially from the 6,500 per year to 8,580. So it's making a much bigger difference for you. You'll be able to reduce your income tax slightly there as well.","start_word":3424,"end_word":3462,"sentiment":"positive","sentiment_score":0.4501746892929077},{"text":"And like I said, Yep. you don't actually put yourself back in the position you were, but it does help to kinda build the gap a little bit for you. Yeah. In Yeah. the document, I do also account for the income side of things, the retirement income side of things, because you are only about five years out. It is just in there as a you know, this is what we expect on a limited scope basis, but it essentially shows you that by following the advice there with having paid the mortgage down. I know in retirement, you sort of weren't sure last time we spoke how much to be able to draw down, but this sort of shows you and we've kinda factored into, you know, given depending on how you are at the age of 67, if you're eligible for any kind of Centrelink, So long as you are, we can actually project it out knowing that you should be able to, based on the projection, draw an income of about 69,881, and we'll have your super last until about the age of 90 Yep. with incorporating a little bit of Centrelink in there for you.","start_word":3463,"end_word":3662,"sentiment":"neutral","sentiment_score":0.14117152404040098},{"text":"So it does help you give a bit more longevity out of your super.","start_word":3663,"end_word":3676,"sentiment":"positive","sentiment_score":0.45302343368530273},{"text":"This is something that's only in here as a bit of a this is the effect and the projected outcome on your retirement based on the recommendations we're making now, and we'll keep monitoring and updating those with you on a regular basis so that when you get to retirement, we have a better understanding of what to do. But this is just in there to kinda give you an idea of what we see and what the projected outcome looks like for you to give you an idea of where we can see things traveling towards at the moment. Yep. No. That's Yeah. all. That's that's a lot, but Yeah.","start_word":3677,"end_word":3787,"sentiment":"neutral","sentiment_score":0.20830194652080536},{"text":"that all sounds really positive for us and where we're at right now and what's going on.","start_word":3788,"end_word":3804,"sentiment":"positive","sentiment_score":0.6414143443107605},{"text":"And, yeah, like, Yeah.","start_word":3805,"end_word":3808,"sentiment":"neutral","sentiment_score":0.2503332197666168},{"text":"Absolutely.","start_word":3809,"end_word":3809,"sentiment":"positive","sentiment_score":0.412932813167572},{"text":"to get rid of a 50,000 oh, well, whatever's left on the house now and, yeah, just Yeah. breathe a bit easier with Absolutely. other expenses. Yeah. So Absolutely. I no. know it's a lot. I've probably just gone through a lot with you, and it's always harder when you're not sort of looking at the document because I'm trying to sort of make sure I'm not adding too much to you but hitting the points that I have to hit.","start_word":3810,"end_word":3890,"sentiment":"neutral","sentiment_score":0.08402776851514239},{"text":"But it does add you into a really good position, and removing that mortgage out of the way just to make things a little bit easier for you as well. One less bill or one less debt to worry about, and then you can sort of put your expendable cash flow, a, back into your super, but also into other things for your family as well.","start_word":3891,"end_word":3956,"sentiment":"positive","sentiment_score":0.5507687926292419},{"text":"So Yeah. And that's it. You know, that Yeah. fortnightly withdrawal of $600 for for the house appointment. Yeah. No. It makes makes us a lot better off than Yeah. yeah.","start_word":3957,"end_word":3987,"sentiment":"neutral","sentiment_score":0.12699289619922638},{"text":"No. That that's awesome. And I can tell you now, Donna, that we are going to be on ahead with this. Fantastic. Wait till you see it.","start_word":3988,"end_word":4014,"sentiment":"positive","sentiment_score":0.6050211787223816},{"text":"Yeah. Yeah. Yeah. Yeah. Now you put a lot of work in. I'll I'll I'll I'll look it over with Karen. No worries. But, Not a worry at all. yeah, Easy. it's certainly something Yeah. that that we have talked about, and we were pretty confident that we'd go ahead and Yes. everything I've just heard then just It solidifies submit it. to, Yes. A little Yeah. pause so that that we are on the right track and Yeah. Yeah.","start_word":4015,"end_word":4094,"sentiment":"neutral","sentiment_score":0.16654172539711},{"text":"that that that is awesome. Perfect. All good.","start_word":4095,"end_word":4102,"sentiment":"positive","sentiment_score":0.6126184463500977},{"text":"Alright. The last thing I just wanted to let you know about is the benefit side of things. So we did sort of talk and touch base that you do want to make sure that if in the event you would have passed away, your super is paid out to Karen to your spouse if anything was Yep. to happen. When I did go back and do the research on your super fund at the moment, you have a non binding nomination. Now that essentially means that if in the event you would have passed away, you've nominated Karen to receive the funds for you. However, it is up to the trustee. By having a non binding nomination, it's not binding the trustee to follow the direction. It's essentially just letting them know this is what you would like to happen, but they get to make the final decision. So what I have also recommended is that we alter that nomination still for Karen because she gets a 100% of it, but we're gonna nominate it as a binding, nonlapsing nomination for you. So that will Yeah. bind the trustee to follow your direction. And nonlapsing means you fill out one nomination. You don't have to fill out another one again unless your circumstances change. So it's giving you a little bit more certainty that if in the event something was to happen, that the the proceeds are paid as per your wishes, and the trustee needs to follow that direction for you as well. Okay? Yeah.","start_word":4103,"end_word":4359,"sentiment":"neutral","sentiment_score":0.19153185687408372},{"text":"Beautiful. Yeah. Oh, That's good. awesome.","start_word":4360,"end_word":4365,"sentiment":"positive","sentiment_score":0.5894516110420227},{"text":"The only other thing I've added in there is just making sure that you guys do have a will and power of attorney up to date. It was something we sort of touched base on. You don't, from what I understand, don't have a Not. will or power of attorney. So as part of this, we do make the recommendation to speak to a solicitor, and I can get my team to send through an email as part of the implementation process just with some details on a local solicitor that we can refer you to, and it has a bit of costing on how much they charge to do the wheels for you as well. Okay? Yep. Yep. That'd Yeah. be great. I I think they may have tried that once before, but it it actually Yep. wouldn't open the attachment. Uh-huh. So that's okay. If I do it again, Yeah. I'll we'll try again.","start_word":4366,"end_word":4521,"sentiment":"neutral","sentiment_score":0.02808539569377899},{"text":"Absolutely.","start_word":4522,"end_word":4522,"sentiment":"positive","sentiment_score":0.3860832750797272},{"text":"I can even get them to post it to you as well. That way, we make sure it comes through. That It might take a little yeah. bit longer, but it's Yeah. just another way to get that sorted for you. But we'll take some time to have a really good read to the document there. I do also have PDF documents attached for your hub 24, the super and pension side of things. Yep. I've also got an appendices attached to the document as well. It just sort of runs you through the research that we conducted to kinda give you an idea of other things that we've considered. And I've got in there I've run through some of the advantages, disadvantages, and alternatives, but this, as you're reading through, does sorta consider the full advantages, disadvantages, risks involved, and alternatives considered. So you can really get an understanding of your circumstances, why we've made the recommendation, and just making sure you're fully informed before you decide to take on that advice there. Okay? Alright.","start_word":4523,"end_word":4698,"sentiment":"neutral","sentiment_score":0.14647996357896112},{"text":"Thank you, Donna.","start_word":4699,"end_word":4701,"sentiment":"positive","sentiment_score":0.3357376754283905},{"text":"I got a bit of fat That's writing today. you do. You do. No. Look.","start_word":4702,"end_word":4716,"sentiment":"neutral","sentiment_score":0.12649203836917877},{"text":"Honestly, I'm really happy that we've been able to do this for you. It's a great strategy. I actually really enjoy these sorts of things, so thank you for the opportunity to put it together for you.","start_word":4717,"end_word":4753,"sentiment":"positive","sentiment_score":0.7335128784179688},{"text":"Like Have some time. If you or Karen have any questions, you're welcome to let me know. I'll always make time to have a chat and work it out work it through with you. Okay? No.","start_word":4754,"end_word":4789,"sentiment":"neutral","sentiment_score":0.27416902780532837},{"text":"I appreciate all your help, Donna. It's not something that we're across, and it's great to have someone that's easy to deal with and explains it well. So Oh, thanks appreciate so much. that. Lovely.","start_word":4790,"end_word":4824,"sentiment":"positive","sentiment_score":0.40335965156555176},{"text":"I have got one for you, though. Yeah. My colleague at work, Nat Bricknell, says bring him. Yeah. Right. What's his name? Nat Britnell. Apparently, you were doing Oh, yes. some some stuff I for him. do He said, know I that. haven't heard from yeah. I haven't heard from Diana for a while. I said, I'm talking to her today, mate. Yeah. I'll send him an email, give him a little update. I'm doing something quite big for him, so it takes a little bit. And I promised him it would take a bit. But I'll Yeah. I'll shoot No. him an email today and give him a little bit of an update for him. Easy. Yeah. He shouldn't have that sort of money to splash around anyway at his age. Oh, good. Not No. you at all, Glenn.","start_word":4825,"end_word":4964,"sentiment":"neutral","sentiment_score":0.03725773217156529},{"text":"Appreciate that.","start_word":4965,"end_word":4966,"sentiment":"positive","sentiment_score":0.37257760763168335},{"text":"Would you do I need to book another catch up with you or now or just Not it's completely no. up to you. What I would probably say is have a read through the document first. If you find you do have any questions, let us know. We'll book in a time to follow-up. If you Yep. don't have any questions, you're happy just to sign it. Just you can then just sign it, return it back, and we will get the team to follow-up and go to the implementation side of things with you. Okay?","start_word":4967,"end_word":5062,"sentiment":"neutral","sentiment_score":0.093267984688282},{"text":"Awesome. Thank you for your Yeah. time. I really do appreciate it, mate. That's okay.","start_word":5063,"end_word":5077,"sentiment":"positive","sentiment_score":0.48142725229263306},{"text":"It is yeah. As I said, it's not something that that we know a lot about, but it's great to have access to people like yourself that who know what they're talking about. Yeah. Well, No. you sound Not like a you problem do anyway. at all. Thank you. I I love No. what I do.","start_word":5078,"end_word":5133,"sentiment":"neutral","sentiment_score":0.2077278792858124},{"text":"This is fantastic. But, no, thank you so much for the opportunity to put this together for you.","start_word":5134,"end_word":5151,"sentiment":"positive","sentiment_score":0.36780038475990295},{"text":"And this is a new starting point. This is these advice pieces will need to evolve as your life evolves a long way, so absolutely Yep. No. No. I I truly appreciate it, mate. And it does you probably don't realize how much of a burden this lifts Yeah. just by Yeah. the the conversation and and now that it's doable. So thank you. No. No. That's okay. Not a problem at all. The only other thing I'd probably ask of you, Glenn, has anyone sort of sent you a message and asked you to leave a little bit of a a Google review on our website at all? You did last time, and I thought Yep. I did, but send it again That's because okay.","start_word":5152,"end_word":5277,"sentiment":"neutral","sentiment_score":0.0903370902237911},{"text":"I I'm more than happy to do it again if it didn't come Yeah.","start_word":5278,"end_word":5291,"sentiment":"positive","sentiment_score":0.4771192669868469},{"text":"through.","start_word":5292,"end_word":5292,"sentiment":"neutral","sentiment_score":0.26336556673049927},{"text":"Perfect. I'll Yep. get the team to send that one through to you if that's okay.","start_word":5293,"end_word":5308,"sentiment":"positive","sentiment_score":0.4410753548145294},{"text":"Just Yep. because we are, Absolutely.","start_word":5309,"end_word":5314,"sentiment":"neutral","sentiment_score":0.22317877411842343},{"text":"you know, a small business, it's important to have word-of-mouth out there.","start_word":5315,"end_word":5326,"sentiment":"positive","sentiment_score":0.36978739500045776},{"text":"So that would Yeah.","start_word":5327,"end_word":5330,"sentiment":"neutral","sentiment_score":0.21921761333942413},{"text":"be fabulous Yeah.","start_word":5331,"end_word":5333,"sentiment":"positive","sentiment_score":0.4928533434867859},{"text":"if you could do that for me, Done.","start_word":5334,"end_word":5341,"sentiment":"neutral","sentiment_score":0.33115679025650024},{"text":"and I'll get the team to email those details through for you. Thank you so much for your time today. I'll let you go if you have a good afternoon. Alright. Thanks, Don. You too. Thanks. See you later.","start_word":5342,"end_word":5380,"sentiment":"positive","sentiment_score":0.5900770425796509},{"text":"Bye. Bye.","start_word":5381,"end_word":5382,"sentiment":"neutral","sentiment_score":0.2660974860191345}],"average":{"sentiment":"neutral","sentiment_score":0.1765311424498077}}}}