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I've updated an advice piece for you. I just wanted to go through it with you today. Is now still a good time for you? Yep. Fantastic. I'm gonna send you the documents to you via email. Are you able to log in to your emails and grab that one, or did you want me just to run through it and send through it later? What's your preference for this? Okay. Yep. Review it. That's that's absolutely okay. What I can what I can do for you, I will email it through to you so it's there for you. I can just run through the recommendations, maybe touch on the parts that I need to touch on for you whilst hoping for hopefully, not giving you too much information to take in. And then you can review that one a little bit later there for you. Okay? Beautiful. Lovely. Now, Ladi, moving forward, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep. Fantastic. And I'll just do security there with you as well. I am discussing your personal information. So I'll just confirm your full name, date of birth, and address I should have on file. Yep. Yep. Beautiful. Lovely. Thank you so much for that. So, Lardia, with the advice piece, we did your annual review late last year. I do apologize. I have been a little bit late coming. The good thing about this is once I have the advice document ready to go earlier this year, we actually stopped and went back and rejigged it a little bit. So you've probably noticed there's been some changes in the markets. Things are a little bit up and down at the moment. So we've gone back and reviewed, obviously, your goals with regards to your super, your retirement goals there. I've made some recommendations, but also looking at altering the portfolio for you as well as we have kind of noticed there has been some changes in the market, and we do wanna look at maybe moving some underperforming investments and looking at moving you into something a bit more passive and low cost as well. Okay? So with this advice piece, it is sort of structured to essentially just your super as the main the main area that we are looking to scope in. Essentially, you wanted to be able to access super at around about 62 to 63. Your target balance at that time when you're accessing is you kinda wanted to reach between 350,000 to 500,000. So we've looked at kind of, yeah, we've looked at kind of what to do to sort of help you along to to, you know, keep you on track towards that goal. It is really important that when we are looking at market and market reactions and and projections that these are just projections. So we'll keep reviewing things moving forward to sort of keep you along. And as we need to update the advice, please, we'll absolutely look at doing that for you. Okay? I've also scoped in the estate planning side of things. So when we sort of spoke, you didn't have a will, but you did wanna make sure that your beneficiary nominations were completed so that the benefit in the event of passing could be paid out to your girlfriend, Lynn, also your daughter, Sierra, and you wanted your brother as the other beneficiary there. So I have as part of the advice included the estate planning side of things to make sure that your beneficiary nominations on your super are set up correctly to benefit your beneficiaries in the right way and also making a recommendation that you speak to a solicitor to have a will and power of attorney drawn up because they're also very important. Okay? Because we are looking at your estate planning as as sorry. As your super and your retirement goals, I've also factored in just a limited scope of your retirement aspect. So you're a little bit further out than what we'd like to be able to really look at the drawdown aspect in retirement, but I can, on a limited basis, factor in the retirement, which essentially was not recommending a certain drawdown. It is looking at the long term effect of the recommendations that we're making and looking at where we hope to end up based on these recommendations. Okay? Areas that we've scoped out for now are insurances. So you are comfortable with the level of cover that you have. Didn't wanna look at getting any new cover at all. Just wanted to retain what you have for the time being. Super is kind of your main goal. Here you are working towards retirement and getting closer to that, and that was something that we discussed that was really important to you. Okay? And then scoping out any additional areas of debt management and cash flow and budgeting, we can help you and provide additional advice down the track in those sorts of areas, but they have been stripped out of this advice piece for you at the moment. Okay? On the front page of that, when you are looking at the advice document, it does have your lovely name there, and it also lets you know that the advice has been structured and done by myself, Dana Taylor. My authorized representative number, if you ever wanted to look that up, is 1304394. And I'm an authorized representative under Oakview Financial, registered with ASIC. Okay? Perfect. So to jump into the recommendations there for you, so what I am actually recommending, sorry, is that because you are about seven years out of that age 63 mark, six years away from age 62, I have had a bit of a look at the super fund. I am recommending that you do stay within Hub twenty four. Hub twenty four is still a great platform. It is still working for you, and there's no sort of need to change the platform at the moment. I am, however, recommending that we alter your portfolio. So you were in an an older, high growth portfolio. You were still comfortable staying at high growth environment for maybe another year, but you wanted to sort of look at something a bit more passive. And since this year coming back, there has been some changes in the market conditions with what is happening out there globally. So I have gone back and reviewed the investment portfolio to look at how we make a recommendation to alter that for you. So when you are reviewing the document here, down on page number 19, you will see essentially what we are looking at buying and selling. So out of your old portfolio, we are removing the ban along Australian equities. That investment in the last couple of months has been underperforming. So I wanted to remove that, and I figured doing it all as one advice piece as much as it's kinda been a bit longer since we last spoke. If I had provided the first advice and gone back and redone it, it's basically incorporating two of the exact same advice pieces. So it was better to go back, restructure the investments, and provide everything to you now as one big advice piece so you can see everything as a whole. Does that make sense? It is. Yeah. You're right. Does it come through for you? Absolutely. Absolutely. Yeah. Yeah. Understandable. When you when you go have that open, if you're looking at page number 19, that's kinda where I am at the moment just so we can run through the changes in the investment portfolio for you. Yeah. Beautiful. So as I kinda mentioned, Bennelong has been underperforming a bit, so we are removing that investment as a whole. With their underperformance, the investment committee have met. We've decided as the business is no longer beneficial for you, so you'll see completely selling you out of that. We're also gonna be removing out of the battery and lithium tech. Look, it has been a good area, but it is it was in this portfolio as more of a sector where we're looking to get higher growth and can be quite volatile. Okay? Yeah. We're also looking to sell completely out of the agriculture you have in the the beta the beta shares global agriculture sector. It has been very good moving forward, but, again, this was something that was in the back a while ago and now has sort of been assessed as being possibly removed and looking at other areas to seek future growth. We are keeping a bit of cybersecurity. It is still a really important area moving forward, but we are just gonna rebalance it a little bit so you'll have a little bit more cybersecurity than what you currently have. With the Asia fifty, we're gonna remove you out of that completely and sell that off. We're gonna buy into the iShares European. So whilst there is a bit of volatility out there, the European market is still really important. This encompasses all the European countries. So you are looking at diversification within that investment area, and it's a really good place to be at the moment. The s and p 500. So whilst there is a bit of volatility and a lot of uncertainty around The US equities, it is still really important to have US exposure. Whilst there's short term volatility now, long term, investing within The US does outperform and provide great potential growth there. So we are looking to keep you in the S and P 500, and we're just gonna increase that exposure a little bit. Okay? Sure. Yeah. Yeah. The Bennelong? Absolutely. So on the bottom of that table, the second one from the bottom, you'll see the beta shares a 200. So Bennelong was originally put in there as more of an actively managed component. So we're gonna sell that off and move that component into the BetaShares a 200. It's still giving you access to the Australian share market, the top 200 companies on on the ASX, But this is more of a passively managed fund. It's set to track an index. It follows the top 200 companies on the ASX there. And, essentially, the best thing about between a 200 and the S and P 500 is that they're there to track the top 200 companies in Australia or the top 500 in The US. So because they start tracking a certain index and a set amount of companies, it's not telling you exactly what companies you have to follow. So with the top 200, in order for them to be in the index, they have to meet certain criteria. And so the, you know, the builder of the index is the investment committees around each of the indexes. They tend to meet on a quarterly basis, and they assess the companies that should be in these indexes. If these companies don't meet the criteria, they are removed out and other companies are moved into their place. So you are always invested in the top 200 companies on the ASX and the top 500 within The US. So it's kind of giving you a little bit more certainty that you are always following the top companies in those indexes. So the risk of those companies going bust and then that money going bust is minimized that way for you, if that makes sense. Yeah. Yeah. Yep. Yeah. Yeah. So correct. Yep. You're right. So you can totally see that essentially. So by selling off the ones in red there, the ones in green are where we're buying into. So it's not about reallocating exactly that amount of money. They've kinda got the portfolio, and we've worked out what percentage the recommended weighting should be. By selling those investments in red, we're reallocating the funds in line with the recommended weighting so that you're buying into the ones that you don't currently have and just rebalancing the ones that you currently hold that we are keeping. Does that make sense? Yeah. And then the recommended balance at the end shows you how much you should have in weighted as a dollar figure in each of those investments once we've completed those buyers. So you'll still keep some physical gold. Sorry. You don't have any at the moment. We are adding physical gold. I do apologize. Absolutely. Yeah. Yeah. So having some physical gold in there is great. You'll have some a 200, so Australian 200 exposure. The Vanguard All World x US, so this is giving you exposure to the entire world minus US because you have the S and P 500 in there as well. We're keeping a little bit of Japanese exposure. It is still a really good area to have. And, historically, Japan has moved not so much in unison with Australia and US markets. It tends to move a little bit separately, which has been an advantage in the past. Keeping some S and P 500 and way re wasting it a little bit, keeping some European exposure there, keeping some cybersecurity. And on the next page, you'll see the BetaShares Bank hybrid. So you don't have any of these. These are more of a defensive investment. Having these in your portfolio at the moment is still a benefit. It's important to have some low risk defensive investments for cash for burn producing, but also when equities don't do so well, having defensive investments like these bank hybrids works in your advantage. They're cash producing at lower risk, and then having some physical gold helps as well. Okay? Yeah. Yeah. Yes. Yeah. Absolutely. Yeah. Absolutely. We can do a catch up every six months if you want to. I can do one every three months. Generally, in the shorter term around every month to three months, you don't see as big a changes. But if you wanted to, I could organize a catch up with you once every six months where we have a look at what your portfolio is doing, how it's performing, and then sort of look at, you know, rejigging it if we need to. Does that as well as doing your annual review because we do that every year as well. Yeah. Mhmm. Yep. Yeah. Yep. Yeah. Absolutely. Yeah. Yes. Yeah. Yeah. Need to crack that a little bit. Absolutely. And that does also bring me to the other recommendation with regard to this. Now I am also recommending that you do start a salary sacrifice arrangement there, that we do increase your contributions in. It is completely up to you as to whether you do this or not. However, when I kind of rang the ran the retirement scenarios looking and projecting everything out, in order to get you to that kind of mark, because of the market volatility we are seeing, we did need to maybe increase your contributions a bit there as well. So I am recommending that you increase your salary sacrificing about a $150 on a weekly basis if it's working within your budget. One of the things I talked about was rejecting, yeah, just letting you know what we needed to do to kinda get to that point and then to come back as part of the advice, and you can review that and tell me whether you're comfortable taking that on board. You can start with a lesser amount and kinda build that up. But the main reason I'm starting that recommendation now is because we are seeing the volatility. Adding a you know, your super balance. And as the market's come out, I just see recovery. Adding more money in is only gonna provide a greater advantage. It is better to add the salary sacrifice now as opposed to waiting for another three or five years down the track. Because if you think about a $100 compounding over ten years or compounding over six or seven years, it has a much greater effect than if you were sort of having a $100 compound over three or four years. So starting salary sacrifice now is really important. And when I projected out as per, you'll see on page number 13 there. With the changes in the investment structure, the newer investment portfolio is actually cheaper, saving you about $4,546 for the first year in investment fees, which is a great saving. It's also saving you about $82 and any other fees applicable to the fund there, which again is really good. And increasing your contributions by that $150 on a weekly basis in the super provides a greater longevity effect. With the way the portfolios have performed, on the bottom of that table, you'll see the five year rolling average here. Now I, by no means, expect that you're gonna get 19% out of this portfolio on every single year. I've actually got on the next page a more conservative projection there for you. So because I don't think you're gonna get 19% every year, if you were able to get 19% every year up to the next seven years, you could see yourself with over $600,000 in super in the next seven years, which would be fantastic. However, the way I'm sort of projecting it out on a more conservative level is by with, say, an average rate of return looking at about we've done about a 8% return with your increase in salary sacrifice plus your current contributions. You would actually expect to have over 370,000 in the next seven years. So I'd expect you to end up between the 370,000 to about 500,000, which is kind of where your goal is, and this recommendation sort of puts you in that in that bracket around your retirement years given the different market conditions. I do wanna look in yeah. You're right. Yeah. So we can provide a letter that's okay. We can provide a letter for you which outlines all the information. We can email that to you as part of the implementation, and then you just hand that to your payroll or to your employer, and they will just start the salary sacrifice with your income. Yeah. Yeah. Sure. Yep. Yeah. Yeah. Correct. So when I did the on the page number 14 there, you'll see my conservative projected amount because I don't you're not gonna get 19% every year. Markets don't work that well, unfortunately. You will get years where you'd probably get that amount, but you're also gonna see lower rates of return. So this is assuming a conservative rate of return of about 8%, which is utilizing your risk profile return. And because you are closer to those retirement years, that's probably more appropriate for you. So based on your current balance, receiving a regular 8% return on a yearly basis and including your current contributions plus salary sacrifice, we can estimate or assume a a total super balance of around about 376,000 in retirement years. I'll I'll kinda wanna boost on that and try and get a higher than that, but this is showing you a reasonable projection on a conservative rate of return. And then the top option in that recommended table, that is showing you if you were able to get that 19% every year out of the portfolio, this is where you could end up. So I'm likely expecting to see you in between those two figures, which essentially is where your goal is at, but we wanna make sure we're building and boosting on that. So starting salary sacrifice can can help us to build on those, but this is kinda showing you the degree of where we'd expect you to be around those retirement years. Does that make sense? Yeah. You absolutely could there. I'm just double checking. So when we look at because we wanna make sure you don't exceed the cap in any way, shape, or form, the concessional cap. So your income, you've got a 159,000 there at the moment. I'm just gonna pop that into the the pay calculator I have here just to have a look at the the cap space we have. The $1.59. Beautiful. Are you expecting an increase anytime soon? Yep. Beautiful. That's okay. So looking at the current concessional contribution cap and your current $1.59 income, you have capped space of about $210 on a weekly basis. So you can increase that to a 170 if you wanted to. It's absolutely fine. And we do review this with you. So you and I will catch up. We'll do we'll review the contributions you're putting in, what your cap base looks like, you know, what the super's done in that time frame, you know, whether we need to take advantage of down times and what we're looking at as we get closer and closer. Because you do have quite a bit that you were able to save on a regular basis. So if you wanna increase that to $1.70, you absolutely can. I just wanted to make it a conservative recommendation so I'm not eating away all of your excess funds and showing you that this is what we needed to do to kinda get you into that gap for what you're after in retirement, but we can always build and exceed on that if we need to. And and yeah. Perfect. Yep. Absolutely. Yep. Yep. Perfect. Absolutely. Yeah. Yeah. Absolutely. So once you sign the advice and return it back to me, if you want, you can always on the very last page, we've got a little note box. You can just say that you wanna increase the sales back $1.70. And as soon as I get that back, I'll get my team to draft up a letter for you and send it through. It shouldn't be a problem. Okay? Yep. Beautiful. Excellent. That's okay. The only other thing to kind of point out with regard to these investment changes and these recommendations are we sort of talked through the advantages of it. It is a lower cost in investment fees, which is an advantage. It's less fees. We have more money back in your super fund than working compounding higher towards your retirement goals, which is fantastic and great. We also do factor in the CDT consequences and the cost. So whenever we are switching investments, there are capital gains. So your super fund like, you do a tax return every year. Your super fund does a tax return every year as well. On that investment returns page, back on that page number 13, on the top corner, you'll see it does have a figure of $617. Essentially, with them changes as per the research, we estimate the CGT consequences to be about $617. So very little CGT, which is great because some of those underperform those funds have been underperforming. It's offsetting any gains to make a lot of those changes. So it has reduced the CGT as much as possible. Okay? Perfect. This document, that's okay. Sorry. This document does outline the best interest to you as well. We do make sure any advice provided is in your best interest. So I have a best interest statement in each of those recommendations that you're welcome to have a read through. It just explains essentially, basically, what I've gone through that making the changes. The newer investment portfolio has seen a greater track record. It is lower cost, which is important, and increasing your contributions by way of salary sacrifice now as opposed to down the track has a greater projected outcome into retirement there for you. And the CGT is essentially offset. The CGT, we can justify because making these changes into a better portfolio, cheaper portfolio, essentially, you're saving you money. So, you know, CGT now for a better outcome and down the track, essentially, if that makes sense. Yeah. Excellent. All good. It let I'll you're right. I just have to go back into the back end system to see if I can throw that in there for you. Sorry. Won't be two seconds. Just something wrong with that one. Sorry. It won't be a moment. I'm just opening up the back end system. Just takes a moment. It's a little bit slow. What I can do, if you like, is I can go back and I can just get an updated one and email it to you after the call. Is that okay? That's alright? Yeah. Yeah. That's okay. Not a problem. It's no. That's okay. It's not a problem. Just taking a little bit of time to open up, and I thought it might be easier if I just run it after the call for you and email it through so you've got that to review with the documents there. Okay. Beautiful. Excellent. No worries at all. The second recommendations in there again are with the salary sacrifice. We do have a bit of table that essentially shows your current position with no salary sacrifice and the proposed increase in the salary sacrifice position there. And it shows the difference in contributions and the difference for sales tax is a pretax contribution, so it helps to reduce the income tax, which is a benefit. It does, however, reduce your take home pay as well, so there's also that disadvantage for doing it. Okay? So because it's, yeah, because it's at it's a pretax deduction out of your income, it doesn't really have any deductions that you can add at tax time, unfortunately, but it does reduce the income tax that you are paying out of your income on a regular basis. So we estimate with increasing the salary sacrifice or adding the sales back at $150, the net saving of tax is about $18.72. That's the difference between the tax you pay inside super to the tax you you would have paid outside of super. So, you know, $1,800 tax difference on net tax saving isn't too bad as well. Sorry, Eladie. I don't quite think I don't understand. Can you repeat that? I'm so sorry. Yep. Right. Yep. Mhmm. Mhmm. It okay. I was you don't actually have any income protection on here, and the only sort of income protection that really provides any benefit with your income is income protection. So the yes. No. That's okay. Your health insurance. Got you. So sorry. Good. No. That's okay. So if you are you sort of saying that you're decreasing or canceling your health insurance? Yeah. Right. More levy. Yes. Not really. So your assessable taxable income works on your what you earn from your employer plus your contributions in the super. So it's it's not really gonna change the advantage in any way. You would still need to keep your health insurance at the same level as what you have. Does that make sense? I'm so sorry I misinterpreted that for you. Sorry about that. No. You're fine. Yeah. Yeah. No. That's okay. So sorry I misinterpreted that for you, Ladia. That's not I'm glad we got to the bottom of that one. But, yeah, look, honestly, your your total assessable taxable income considers everything, your contributions in the super as well as what you earn from your employer. That's what goes on your assessable income at the end of the financial year. So you'll still need to keep your private health insurance at the current level to to get the advantage of that, unfortunately, because it's expensive, isn't it, your private health insurance? Pay the levy. Yes. Absolutely. I I understand. I'd rather pay for my private health insurance than pay the extra Medicare levy. I do agree with you on that. Yep. No. All good. The only other part of the recommendation there is to look at your to look at your beneficiary nominations here. Yeah. So what I'm actually recommending is that we do nominate an your LPR, your legal personal representative. That essentially means that in the event of passing around I do apologize. I'm gonna update this document slightly because it looks like my power plan has just not nominated all of the individuals, but we actually need to nominate your LPR or legal personal representative. This essentially means that in the event of you passing away, your super benefit as well as your life insurance gets paid to your will. It goes to your estate. And then under your will, you can then nominate your partner, your daughter, and your brother to have an equal split and have everything combined and then split between them as more of a fair nomination. Okay? Yeah. I did just notice a slight error in this document. I'm gonna have this updated and resent to you shortly, and I'll add the extra projections in there for you as well. Yeah. Yes. So sorry. No. I know. I'm so sorry. I saw that typo, and I was like, no. We'll update that for you. What is your brother's name, if it's okay? Yeah. In your will, you would actually nominate the name of everyone. This is just kind of nominating how you wanted things, but I'm happy to update that with your brother's name. What how do you spell his name, and what is his name? Sorry. Yep. Okay. Yep. Beautiful. Lovely. And her surname is the same as yours, Villa Flor. We have yeah. Beautiful. Yep. Yep. Christopher. Is it c h r I s t o p h e r? Yep. Beautiful. Lovely. I will have that section updated for you because just looked at that and went, yeah, that's not what it's supposed to say. I will go back and update that, have it resent through to you, and I'll get an updated projection sent through as well just showing you the conservative projection within creating that one seventy for you. Okay? Yeah. Yep. Yeah. Yeah. No. Not at all. You've been busy. No. It's all good. So what we'll do is we will update with you and help you with the binding nominations for hub 24 and Tau. We essentially just have to tick a box that says legal personal representative or LPR. That essentially means that on your super and your life insurance cover, if anything happens, it all gets paid to your estate. That is what we do on this end. The next part is that you do need to speak to a solicitor, and we can refer I mean, it's me send you to a referral for one. Or we can just send you the information on a solicitor and you're able to contact them, or we can resend the referral to them on your behalf and have them contact you. It's completely up to you. I'll you're right. Sorry? Yeah. Yeah. Completely understand. Not a worry at all. So what we'll do is we'll send the referral through. You'll speak to a solicitor there. They'll do up a will for you. And as part of that, you'll just let them know that your life insurance and your super needs to be included. And then in the body of the will, they'll just have it noted exactly who your nominees are. So Lynn, Sierra, and your brother Christopher there as well. And then if anything was to happen, if you were to pass away, and we hope nothing happens, essentially, the the executive of your estate, you just choose who the executive is, who the most trustworthy person is to take care of it. They will contact us. We will help with the claim. Everything gets paid through to your estate and then paid out to your benefit issues as per your will. Does that make sense? Yeah. Beautiful. So what I'll do is I'll go back and update this page there for you. I'll get an updated projection. I'll do the conservative projection and send that through with all of this for you shortly so you have it there to have a look at. And then what we'll do is once you're comfortable with it, have a read Let me know if there's any questions you have. You sign it all, send it back to us, and we'll start by getting the sales tax letter ready for you. If you wanna increase the $1.70, just make a note on the very last page. You'll have a little section with a text box where you can make any alterations to the recommendations. We'll organize the referral to the solicitor, complete the switch of your investments there, and then also make sure that your sales act letter is set up for you to provide to your employer. Does that make sense? Yeah. Beautiful. Beautiful. All good. The only other thing to let the only other thing is on page 35 no. You are fine. Is the remuneration side of things. So there's no upfront or implementation for the advice. We do call this complimentary because you're an ongoing service client. We wanna review things with you. I can make a note here that you want a six monthly catch up, and we can talk about things every six months as well as do your annual review there for you. But this outlines the ongoing service fee you are currently on with us. And it also notes there that with your TAL insurances, we do receive ongoing remuneration for them. So it's just disclosing how much we receive from TAL for your policies. Okay? Excellent. Not a worry. That's that's the dollar figure amount based on the current balance. Yeah. Yeah. So you pay 1.65% on a yearly basis, and the idea is it fluctuates with the market. So based on the current balance, this is the estimated amount for the year. And with your account insurances, we receive 23% ongoing of the premium. So we expect it to be about $7.24 this year. However, our advice is meant to be in best interest and working towards your goals. So at any point, if you ring means that I need to increase or decrease or alter the insurances, we would do so because that's part of your goal. It has no know, it doesn't matter to us what the remuneration component is. We just need to disclose to you the remuneration we received from the insurer for that. Okay? All good. Yeah. Absolutely. Yeah. Absolutely. Absolutely. Look. There is a bit of volatility out there. So this year could be a little bit bumpy, but we'll just keep in contact, keep seeing what's happening, and, you know, start that sales back and get those contributions in. We'll take advantage of the volatility that we are seeing at the moment. Okay? All good. Thanks so much, Eladio. I'll get that updated and resend to you shortly. If you have any questions, please let me know at any point. As soon as it comes through with a new email, you'll know it's all been updated for you, and I'll attach the updated projections as well. Okay? Alright. No worries. Not a problem. I appreciate your time, Celadie. Thank you so much. I hope you have a good afternoon. Thank you. See you later. 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Aladia. It's Dana from Oakview Financial. How are you this afternoon? I'm very well. Thank you.\n\nDid you have a good Christmas and New Year's? Yep. Oh, fantastic. I had you booked in. I've updated an advice piece for you.\n\nI just wanted to go through it with you today. Is now still a good time for you? Yep. Fantastic. I'm gonna send you the documents to you via email.\n\nAre you able to log in to your emails and grab that one, or did you want me just to run through it and send through it later? What's your preference for this? Okay. Yep. Review it.\n\nThat's that's absolutely okay. What I can what I can do for you, I will email it through to you so it's there for you. I can just run through the recommendations, maybe touch on the parts that I need to touch on for you whilst hoping for hopefully, not giving you too much information to take in. And then you can review that one a little bit later there for you. Okay?\n\nBeautiful. Lovely. Now, Ladi, moving forward, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep.\n\nFantastic. And I'll just do security there with you as well. I am discussing your personal information. So I'll just confirm your full name, date of birth, and address I should have on file. Yep.\n\nYep. Beautiful. Lovely. Thank you so much for that. So, Lardia, with the advice piece, we did your annual review late last year.\n\nI do apologize. I have been a little bit late coming. The good thing about this is once I have the advice document ready to go earlier this year, we actually stopped and went back and rejigged it a little bit. So you've probably noticed there's been some changes in the markets. Things are a little bit up and down at the moment.\n\nSo we've gone back and reviewed, obviously, your goals with regards to your super, your retirement goals there. I've made some recommendations, but also looking at altering the portfolio for you as well as we have kind of noticed there has been some changes in the market, and we do wanna look at maybe moving some underperforming investments and looking at moving you into something a bit more passive and low cost as well. Okay? So with this advice piece, it is sort of structured to essentially just your super as the main the main area that we are looking to scope in. Essentially, you wanted to be able to access super at around about 62 to 63.\n\nYour target balance at that time when you're accessing is you kinda wanted to reach between 350,000 to 500,000. So we've looked at kind of, yeah, we've looked at kind of what to do to sort of help you along to to, you know, keep you on track towards that goal. It is really important that when we are looking at market and market reactions and and projections that these are just projections. So we'll keep reviewing things moving forward to sort of keep you along. And as we need to update the advice, please, we'll absolutely look at doing that for you.\n\nOkay? I've also scoped in the estate planning side of things. So when we sort of spoke, you didn't have a will, but you did wanna make sure that your beneficiary nominations were completed so that the benefit in the event of passing could be paid out to your girlfriend, Lynn, also your daughter, Sierra, and you wanted your brother as the other beneficiary there. So I have as part of the advice included the estate planning side of things to make sure that your beneficiary nominations on your super are set up correctly to benefit your beneficiaries in the right way and also making a recommendation that you speak to a solicitor to have a will and power of attorney drawn up because they're also very important. Okay?\n\nBecause we are looking at your estate planning as as sorry. As your super and your retirement goals, I've also factored in just a limited scope of your retirement aspect. So you're a little bit further out than what we'd like to be able to really look at the drawdown aspect in retirement, but I can, on a limited basis, factor in the retirement, which essentially was not recommending a certain drawdown. It is looking at the long term effect of the recommendations that we're making and looking at where we hope to end up based on these recommendations. Okay?\n\nAreas that we've scoped out for now are insurances. So you are comfortable with the level of cover that you have. Didn't wanna look at getting any new cover at all. Just wanted to retain what you have for the time being. Super is kind of your main goal.\n\nHere you are working towards retirement and getting closer to that, and that was something that we discussed that was really important to you. Okay? And then scoping out any additional areas of debt management and cash flow and budgeting, we can help you and provide additional advice down the track in those sorts of areas, but they have been stripped out of this advice piece for you at the moment. Okay? On the front page of that, when you are looking at the advice document, it does have your lovely name there, and it also lets you know that the advice has been structured and done by myself, Dana Taylor.\n\nMy authorized representative number, if you ever wanted to look that up, is 1304394. And I'm an authorized representative under Oakview Financial, registered with ASIC. Okay? Perfect. So to jump into the recommendations there for you, so what I am actually recommending, sorry, is that because you are about seven years out of that age 63 mark, six years away from age 62, I have had a bit of a look at the super fund.\n\nI am recommending that you do stay within Hub twenty four. Hub twenty four is still a great platform. It is still working for you, and there's no sort of need to change the platform at the moment. I am, however, recommending that we alter your portfolio. So you were in an an older, high growth portfolio.\n\nYou were still comfortable staying at high growth environment for maybe another year, but you wanted to sort of look at something a bit more passive. And since this year coming back, there has been some changes in the market conditions with what is happening out there globally. So I have gone back and reviewed the investment portfolio to look at how we make a recommendation to alter that for you. So when you are reviewing the document here, down on page number 19, you will see essentially what we are looking at buying and selling. So out of your old portfolio, we are removing the ban along Australian equities.\n\nThat investment in the last couple of months has been underperforming. So I wanted to remove that, and I figured doing it all as one advice piece as much as it's kinda been a bit longer since we last spoke. If I had provided the first advice and gone back and redone it, it's basically incorporating two of the exact same advice pieces. So it was better to go back, restructure the investments, and provide everything to you now as one big advice piece so you can see everything as a whole. Does that make sense?\n\nIt is. Yeah. You're right. Does it come through for you? Absolutely.\n\nAbsolutely. Yeah. Yeah. Understandable. When you when you go have that open, if you're looking at page number 19, that's kinda where I am at the moment just so we can run through the changes in the investment portfolio for you.\n\nYeah. Beautiful. So as I kinda mentioned, Bennelong has been underperforming a bit, so we are removing that investment as a whole. With their underperformance, the investment committee have met. We've decided as the business is no longer beneficial for you, so you'll see completely selling you out of that.\n\nWe're also gonna be removing out of the battery and lithium tech. Look, it has been a good area, but it is it was in this portfolio as more of a sector where we're looking to get higher growth and can be quite volatile. Okay? Yeah. We're also looking to sell completely out of the agriculture you have in the the beta the beta shares global agriculture sector.\n\nIt has been very good moving forward, but, again, this was something that was in the back a while ago and now has sort of been assessed as being possibly removed and looking at other areas to seek future growth. We are keeping a bit of cybersecurity. It is still a really important area moving forward, but we are just gonna rebalance it a little bit so you'll have a little bit more cybersecurity than what you currently have. With the Asia fifty, we're gonna remove you out of that completely and sell that off. We're gonna buy into the iShares European.\n\nSo whilst there is a bit of volatility out there, the European market is still really important. This encompasses all the European countries. So you are looking at diversification within that investment area, and it's a really good place to be at the moment. The s and p 500. So whilst there is a bit of volatility and a lot of uncertainty around The US equities, it is still really important to have US exposure.\n\nWhilst there's short term volatility now, long term, investing within The US does outperform and provide great potential growth there. So we are looking to keep you in the S and P 500, and we're just gonna increase that exposure a little bit. Okay? Sure. Yeah.\n\nYeah. The Bennelong? Absolutely. So on the bottom of that table, the second one from the bottom, you'll see the beta shares a 200. So Bennelong was originally put in there as more of an actively managed component.\n\nSo we're gonna sell that off and move that component into the BetaShares a 200. It's still giving you access to the Australian share market, the top 200 companies on on the ASX, But this is more of a passively managed fund. It's set to track an index. It follows the top 200 companies on the ASX there. And, essentially, the best thing about between a 200 and the S and P 500 is that they're there to track the top 200 companies in Australia or the top 500 in The US.\n\nSo because they start tracking a certain index and a set amount of companies, it's not telling you exactly what companies you have to follow. So with the top 200, in order for them to be in the index, they have to meet certain criteria. And so the, you know, the builder of the index is the investment committees around each of the indexes. They tend to meet on a quarterly basis, and they assess the companies that should be in these indexes. If these companies don't meet the criteria, they are removed out and other companies are moved into their place.\n\nSo you are always invested in the top 200 companies on the ASX and the top 500 within The US. So it's kind of giving you a little bit more certainty that you are always following the top companies in those indexes. So the risk of those companies going bust and then that money going bust is minimized that way for you, if that makes sense. Yeah. Yeah.\n\nYep. Yeah. Yeah. So correct. Yep.\n\nYou're right. So you can totally see that essentially. So by selling off the ones in red there, the ones in green are where we're buying into. So it's not about reallocating exactly that amount of money. They've kinda got the portfolio, and we've worked out what percentage the recommended weighting should be.\n\nBy selling those investments in red, we're reallocating the funds in line with the recommended weighting so that you're buying into the ones that you don't currently have and just rebalancing the ones that you currently hold that we are keeping. Does that make sense? Yeah. And then the recommended balance at the end shows you how much you should have in weighted as a dollar figure in each of those investments once we've completed those buyers. So you'll still keep some physical gold.\n\nSorry. You don't have any at the moment. We are adding physical gold. I do apologize. Absolutely.\n\nYeah. Yeah. So having some physical gold in there is great. You'll have some a 200, so Australian 200 exposure. The Vanguard All World x US, so this is giving you exposure to the entire world minus US because you have the S and P 500 in there as well.\n\nWe're keeping a little bit of Japanese exposure. It is still a really good area to have. And, historically, Japan has moved not so much in unison with Australia and US markets. It tends to move a little bit separately, which has been an advantage in the past. Keeping some S and P 500 and way re wasting it a little bit, keeping some European exposure there, keeping some cybersecurity.\n\nAnd on the next page, you'll see the BetaShares Bank hybrid. So you don't have any of these. These are more of a defensive investment. Having these in your portfolio at the moment is still a benefit. It's important to have some low risk defensive investments for cash for burn producing, but also when equities don't do so well, having defensive investments like these bank hybrids works in your advantage.\n\nThey're cash producing at lower risk, and then having some physical gold helps as well. Okay? Yeah. Yeah. Yes.\n\nYeah. Absolutely. Yeah. Absolutely. We can do a catch up every six months if you want to.\n\nI can do one every three months. Generally, in the shorter term around every month to three months, you don't see as big a changes. But if you wanted to, I could organize a catch up with you once every six months where we have a look at what your portfolio is doing, how it's performing, and then sort of look at, you know, rejigging it if we need to. Does that as well as doing your annual review because we do that every year as well. Yeah.\n\nMhmm. Yep. Yeah. Yep. Yeah.\n\nAbsolutely. Yeah. Yes. Yeah. Yeah.\n\nNeed to crack that a little bit. Absolutely. And that does also bring me to the other recommendation with regard to this. Now I am also recommending that you do start a salary sacrifice arrangement there, that we do increase your contributions in. It is completely up to you as to whether you do this or not.\n\nHowever, when I kind of rang the ran the retirement scenarios looking and projecting everything out, in order to get you to that kind of mark, because of the market volatility we are seeing, we did need to maybe increase your contributions a bit there as well. So I am recommending that you increase your salary sacrificing about a $150 on a weekly basis if it's working within your budget. One of the things I talked about was rejecting, yeah, just letting you know what we needed to do to kinda get to that point and then to come back as part of the advice, and you can review that and tell me whether you're comfortable taking that on board. You can start with a lesser amount and kinda build that up. But the main reason I'm starting that recommendation now is because we are seeing the volatility.\n\nAdding a you know, your super balance. And as the market's come out, I just see recovery. Adding more money in is only gonna provide a greater advantage. It is better to add the salary sacrifice now as opposed to waiting for another three or five years down the track. Because if you think about a $100 compounding over ten years or compounding over six or seven years, it has a much greater effect than if you were sort of having a $100 compound over three or four years.\n\nSo starting salary sacrifice now is really important. And when I projected out as per, you'll see on page number 13 there. With the changes in the investment structure, the newer investment portfolio is actually cheaper, saving you about $4,546 for the first year in investment fees, which is a great saving. It's also saving you about $82 and any other fees applicable to the fund there, which again is really good. And increasing your contributions by that $150 on a weekly basis in the super provides a greater longevity effect.\n\nWith the way the portfolios have performed, on the bottom of that table, you'll see the five year rolling average here. Now I, by no means, expect that you're gonna get 19% out of this portfolio on every single year. I've actually got on the next page a more conservative projection there for you. So because I don't think you're gonna get 19% every year, if you were able to get 19% every year up to the next seven years, you could see yourself with over $600,000 in super in the next seven years, which would be fantastic. However, the way I'm sort of projecting it out on a more conservative level is by with, say, an average rate of return looking at about we've done about a 8% return with your increase in salary sacrifice plus your current contributions.\n\nYou would actually expect to have over 370,000 in the next seven years. So I'd expect you to end up between the 370,000 to about 500,000, which is kind of where your goal is, and this recommendation sort of puts you in that in that bracket around your retirement years given the different market conditions. I do wanna look in yeah. You're right. Yeah.\n\nSo we can provide a letter that's okay. We can provide a letter for you which outlines all the information. We can email that to you as part of the implementation, and then you just hand that to your payroll or to your employer, and they will just start the salary sacrifice with your income. Yeah. Yeah.\n\nSure. Yep. Yeah. Yeah. Correct.\n\nSo when I did the on the page number 14 there, you'll see my conservative projected amount because I don't you're not gonna get 19% every year. Markets don't work that well, unfortunately. You will get years where you'd probably get that amount, but you're also gonna see lower rates of return. So this is assuming a conservative rate of return of about 8%, which is utilizing your risk profile return. And because you are closer to those retirement years, that's probably more appropriate for you.\n\nSo based on your current balance, receiving a regular 8% return on a yearly basis and including your current contributions plus salary sacrifice, we can estimate or assume a a total super balance of around about 376,000 in retirement years. I'll I'll kinda wanna boost on that and try and get a higher than that, but this is showing you a reasonable projection on a conservative rate of return. And then the top option in that recommended table, that is showing you if you were able to get that 19% every year out of the portfolio, this is where you could end up. So I'm likely expecting to see you in between those two figures, which essentially is where your goal is at, but we wanna make sure we're building and boosting on that. So starting salary sacrifice can can help us to build on those, but this is kinda showing you the degree of where we'd expect you to be around those retirement years.\n\nDoes that make sense? Yeah. You absolutely could there. I'm just double checking. So when we look at because we wanna make sure you don't exceed the cap in any way, shape, or form, the concessional cap.\n\nSo your income, you've got a 159,000 there at the moment. I'm just gonna pop that into the the pay calculator I have here just to have a look at the the cap space we have. The $1.59. Beautiful. Are you expecting an increase anytime soon?\n\nYep. Beautiful. That's okay. So looking at the current concessional contribution cap and your current $1.59 income, you have capped space of about $210 on a weekly basis. So you can increase that to a 170 if you wanted to.\n\nIt's absolutely fine. And we do review this with you. So you and I will catch up. We'll do we'll review the contributions you're putting in, what your cap base looks like, you know, what the super's done in that time frame, you know, whether we need to take advantage of down times and what we're looking at as we get closer and closer. Because you do have quite a bit that you were able to save on a regular basis.\n\nSo if you wanna increase that to $1.70, you absolutely can. I just wanted to make it a conservative recommendation so I'm not eating away all of your excess funds and showing you that this is what we needed to do to kinda get you into that gap for what you're after in retirement, but we can always build and exceed on that if we need to. And and yeah. Perfect. Yep.\n\nAbsolutely. Yep. Yep. Perfect. Absolutely.\n\nYeah. Yeah. Absolutely. So once you sign the advice and return it back to me, if you want, you can always on the very last page, we've got a little note box. You can just say that you wanna increase the sales back $1.70.\n\nAnd as soon as I get that back, I'll get my team to draft up a letter for you and send it through. It shouldn't be a problem. Okay? Yep. Beautiful.\n\nExcellent. That's okay. The only other thing to kind of point out with regard to these investment changes and these recommendations are we sort of talked through the advantages of it. It is a lower cost in investment fees, which is an advantage. It's less fees.\n\nWe have more money back in your super fund than working compounding higher towards your retirement goals, which is fantastic and great. We also do factor in the CDT consequences and the cost. So whenever we are switching investments, there are capital gains. So your super fund like, you do a tax return every year. Your super fund does a tax return every year as well.\n\nOn that investment returns page, back on that page number 13, on the top corner, you'll see it does have a figure of $617. Essentially, with them changes as per the research, we estimate the CGT consequences to be about $617. So very little CGT, which is great because some of those underperform those funds have been underperforming. It's offsetting any gains to make a lot of those changes. So it has reduced the CGT as much as possible.\n\nOkay? Perfect. This document, that's okay. Sorry. This document does outline the best interest to you as well.\n\nWe do make sure any advice provided is in your best interest. So I have a best interest statement in each of those recommendations that you're welcome to have a read through. It just explains essentially, basically, what I've gone through that making the changes. The newer investment portfolio has seen a greater track record. It is lower cost, which is important, and increasing your contributions by way of salary sacrifice now as opposed to down the track has a greater projected outcome into retirement there for you.\n\nAnd the CGT is essentially offset. The CGT, we can justify because making these changes into a better portfolio, cheaper portfolio, essentially, you're saving you money. So, you know, CGT now for a better outcome and down the track, essentially, if that makes sense. Yeah. Excellent.\n\nAll good. It let I'll you're right. I just have to go back into the back end system to see if I can throw that in there for you. Sorry. Won't be two seconds.\n\nJust something wrong with that one. Sorry. It won't be a moment. I'm just opening up the back end system. Just takes a moment.\n\nIt's a little bit slow. What I can do, if you like, is I can go back and I can just get an updated one and email it to you after the call. Is that okay? That's alright? Yeah.\n\nYeah. That's okay. Not a problem. It's no. That's okay.\n\nIt's not a problem. Just taking a little bit of time to open up, and I thought it might be easier if I just run it after the call for you and email it through so you've got that to review with the documents there. Okay. Beautiful. Excellent.\n\nNo worries at all. The second recommendations in there again are with the salary sacrifice. We do have a bit of table that essentially shows your current position with no salary sacrifice and the proposed increase in the salary sacrifice position there. And it shows the difference in contributions and the difference for sales tax is a pretax contribution, so it helps to reduce the income tax, which is a benefit. It does, however, reduce your take home pay as well, so there's also that disadvantage for doing it.\n\nOkay? So because it's, yeah, because it's at it's a pretax deduction out of your income, it doesn't really have any deductions that you can add at tax time, unfortunately, but it does reduce the income tax that you are paying out of your income on a regular basis. So we estimate with increasing the salary sacrifice or adding the sales back at $150, the net saving of tax is about $18.72. That's the difference between the tax you pay inside super to the tax you you would have paid outside of super. So, you know, $1,800 tax difference on net tax saving isn't too bad as well.\n\nSorry, Eladie. I don't quite think I don't understand. Can you repeat that? I'm so sorry. Yep.\n\nRight. Yep. Mhmm. Mhmm. It okay.\n\nI was you don't actually have any income protection on here, and the only sort of income protection that really provides any benefit with your income is income protection. So the yes. No. That's okay. Your health insurance.\n\nGot you. So sorry. Good. No. That's okay.\n\nSo if you are you sort of saying that you're decreasing or canceling your health insurance? Yeah. Right. More levy. Yes.\n\nNot really. So your assessable taxable income works on your what you earn from your employer plus your contributions in the super. So it's it's not really gonna change the advantage in any way. You would still need to keep your health insurance at the same level as what you have. Does that make sense?\n\nI'm so sorry I misinterpreted that for you. Sorry about that. No. You're fine. Yeah.\n\nYeah. No. That's okay. So sorry I misinterpreted that for you, Ladia. That's not I'm glad we got to the bottom of that one.\n\nBut, yeah, look, honestly, your your total assessable taxable income considers everything, your contributions in the super as well as what you earn from your employer. That's what goes on your assessable income at the end of the financial year. So you'll still need to keep your private health insurance at the current level to to get the advantage of that, unfortunately, because it's expensive, isn't it, your private health insurance? Pay the levy. Yes.\n\nAbsolutely. I I understand. I'd rather pay for my private health insurance than pay the extra Medicare levy. I do agree with you on that. Yep.\n\nNo. All good. The only other part of the recommendation there is to look at your to look at your beneficiary nominations here. Yeah. So what I'm actually recommending is that we do nominate an your LPR, your legal personal representative.\n\nThat essentially means that in the event of passing around I do apologize. I'm gonna update this document slightly because it looks like my power plan has just not nominated all of the individuals, but we actually need to nominate your LPR or legal personal representative. This essentially means that in the event of you passing away, your super benefit as well as your life insurance gets paid to your will. It goes to your estate. And then under your will, you can then nominate your partner, your daughter, and your brother to have an equal split and have everything combined and then split between them as more of a fair nomination.\n\nOkay? Yeah. I did just notice a slight error in this document. I'm gonna have this updated and resent to you shortly, and I'll add the extra projections in there for you as well. Yeah.\n\nYes. So sorry. No. I know. I'm so sorry.\n\nI saw that typo, and I was like, no. We'll update that for you. What is your brother's name, if it's okay? Yeah. In your will, you would actually nominate the name of everyone.\n\nThis is just kind of nominating how you wanted things, but I'm happy to update that with your brother's name. What how do you spell his name, and what is his name? Sorry. Yep. Okay.\n\nYep. Beautiful. Lovely. And her surname is the same as yours, Villa Flor. We have yeah.\n\nBeautiful. Yep. Yep. Christopher. Is it c h r I s t o p h e r?\n\nYep. Beautiful. Lovely. I will have that section updated for you because just looked at that and went, yeah, that's not what it's supposed to say. I will go back and update that, have it resent through to you, and I'll get an updated projection sent through as well just showing you the conservative projection within creating that one seventy for you.\n\nOkay? Yeah. Yep. Yeah. Yeah.\n\nNo. Not at all. You've been busy. No. It's all good.\n\nSo what we'll do is we will update with you and help you with the binding nominations for hub 24 and Tau. We essentially just have to tick a box that says legal personal representative or LPR. That essentially means that on your super and your life insurance cover, if anything happens, it all gets paid to your estate. That is what we do on this end. The next part is that you do need to speak to a solicitor, and we can refer I mean, it's me send you to a referral for one.\n\nOr we can just send you the information on a solicitor and you're able to contact them, or we can resend the referral to them on your behalf and have them contact you. It's completely up to you. I'll you're right. Sorry? Yeah.\n\nYeah. Completely understand. Not a worry at all. So what we'll do is we'll send the referral through. You'll speak to a solicitor there.\n\nThey'll do up a will for you. And as part of that, you'll just let them know that your life insurance and your super needs to be included. And then in the body of the will, they'll just have it noted exactly who your nominees are. So Lynn, Sierra, and your brother Christopher there as well. And then if anything was to happen, if you were to pass away, and we hope nothing happens, essentially, the the executive of your estate, you just choose who the executive is, who the most trustworthy person is to take care of it.\n\nThey will contact us. We will help with the claim. Everything gets paid through to your estate and then paid out to your benefit issues as per your will. Does that make sense? Yeah.\n\nBeautiful. So what I'll do is I'll go back and update this page there for you. I'll get an updated projection. I'll do the conservative projection and send that through with all of this for you shortly so you have it there to have a look at. And then what we'll do is once you're comfortable with it, have a read Let me know if there's any questions you have.\n\nYou sign it all, send it back to us, and we'll start by getting the sales tax letter ready for you. If you wanna increase the $1.70, just make a note on the very last page. You'll have a little section with a text box where you can make any alterations to the recommendations. We'll organize the referral to the solicitor, complete the switch of your investments there, and then also make sure that your sales act letter is set up for you to provide to your employer. Does that make sense?\n\nYeah. Beautiful. Beautiful. All good. The only other thing to let the only other thing is on page 35 no.\n\nYou are fine. Is the remuneration side of things. So there's no upfront or implementation for the advice. We do call this complimentary because you're an ongoing service client. We wanna review things with you.\n\nI can make a note here that you want a six monthly catch up, and we can talk about things every six months as well as do your annual review there for you. But this outlines the ongoing service fee you are currently on with us. And it also notes there that with your TAL insurances, we do receive ongoing remuneration for them. So it's just disclosing how much we receive from TAL for your policies. Okay?\n\nExcellent. Not a worry. That's that's the dollar figure amount based on the current balance. Yeah. Yeah.\n\nSo you pay 1.65% on a yearly basis, and the idea is it fluctuates with the market. So based on the current balance, this is the estimated amount for the year. And with your account insurances, we receive 23% ongoing of the premium. So we expect it to be about $7.24 this year. However, our advice is meant to be in best interest and working towards your goals.\n\nSo at any point, if you ring means that I need to increase or decrease or alter the insurances, we would do so because that's part of your goal. It has no know, it doesn't matter to us what the remuneration component is. We just need to disclose to you the remuneration we received from the insurer for that. Okay? All good.\n\nYeah. Absolutely. Yeah. Absolutely. Absolutely.\n\nLook. There is a bit of volatility out there. So this year could be a little bit bumpy, but we'll just keep in contact, keep seeing what's happening, and, you know, start that sales back and get those contributions in. We'll take advantage of the volatility that we are seeing at the moment. Okay?\n\nAll good. Thanks so much, Eladio. I'll get that updated and resend to you shortly. If you have any questions, please let me know at any point. As soon as it comes through with a new email, you'll know it's all been updated for you, and I'll attach the updated projections as well.\n\nOkay? Alright. No worries. Not a problem. I appreciate your time, Celadie.\n\nThank you so much. I hope you have a good afternoon. Thank you. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Aladia.","start":7.68,"end":8.5,"sentiment":"neutral","sentiment_score":0.13294843211770058},{"text":"It's Dana from Oakview Financial.","start":8.559999,"end":10.34,"sentiment":"neutral","sentiment_score":0.16806888878345488},{"text":"How are you this afternoon?","start":10.48,"end":11.7,"sentiment":"neutral","sentiment_score":0.23943820595741272},{"text":"I'm very well.","start":13.585,"end":14.625,"sentiment":"positive","sentiment_score":0.6788646777470907},{"text":"Thank you.","start":14.625,"end":15.105,"sentiment":"positive","sentiment_score":0.7408568859100342}],"sentiment":"positive","sentiment_score":0.34245530252947526,"num_words":17,"start":7.68,"end":15.105},{"sentences":[{"text":"Did you have a good Christmas and New Year's?","start":15.105,"end":17.365,"sentiment":"positive","sentiment_score":0.5450918707582686},{"text":"Yep.","start":19.265,"end":19.765,"sentiment":"positive","sentiment_score":0.4691008031368256},{"text":"Oh, fantastic.","start":20.305,"end":21.285,"sentiment":"positive","sentiment_score":0.6831629574298859},{"text":"I had you booked in.","start":22.145,"end":23.025,"sentiment":"positive","sentiment_score":0.34546666145324706},{"text":"I've updated an advice piece for you.","start":23.025,"end":25.285,"sentiment":"positive","sentiment_score":0.3743199493203844}],"sentiment":"positive","sentiment_score":0.4620344378054142,"num_words":24,"start":15.105,"end":25.285},{"sentences":[{"text":"I just wanted to go through it with you today.","start":25.505,"end":27.505,"sentiment":"positive","sentiment_score":0.34422690570354464},{"text":"Is now still a good time for you?","start":27.505,"end":31.06,"sentiment":"neutral","sentiment_score":0.28904508147388697},{"text":"Yep.","start":31.06,"end":31.56,"sentiment":"neutral","sentiment_score":0.1943836659193039},{"text":"Fantastic.","start":32.34,"end":32.84,"sentiment":"positive","sentiment_score":0.5707981586456299},{"text":"I'm gonna send you the documents to you via email.","start":34.58,"end":36.9,"sentiment":"neutral","sentiment_score":0.2394422248005867}],"sentiment":"neutral","sentiment_score":0.2971411260465781,"num_words":30,"start":25.505,"end":36.9},{"sentences":[{"text":"Are you able to log in to your emails and grab that one, or did you want me just to run through it and send through it later?","start":36.9,"end":42.66,"sentiment":"neutral","sentiment_score":0.10660271905362606},{"text":"What's your preference for this?","start":42.66,"end":44.36,"sentiment":"neutral","sentiment_score":0.015023526176810265},{"text":"Okay.","start":49.995,"end":50.315,"sentiment":"neutral","sentiment_score":-0.022514838725328445},{"text":"Yep.","start":50.315,"end":50.815,"sentiment":"neutral","sentiment_score":-0.06193211302161217},{"text":"Review it.","start":52.074997,"end":52.975,"sentiment":"neutral","sentiment_score":-0.050626056268811226}],"sentiment":"neutral","sentiment_score":0.07768364054327076,"num_words":37,"start":36.9,"end":52.975},{"sentences":[{"text":"That's that's absolutely okay.","start":53.515,"end":55.594997,"sentiment":"neutral","sentiment_score":0.2164669632911682},{"text":"What I can what I can do for you, I will email it through to you so it's there for you.","start":55.594997,"end":59.46,"sentiment":"neutral","sentiment_score":0.19164775808652243},{"text":"I can just run through the recommendations, maybe touch on the parts that I need to touch on for you whilst hoping for hopefully, not giving you too much information to take in.","start":59.78,"end":69.159996,"sentiment":"neutral","sentiment_score":0.05364570890863737},{"text":"And then you can review that one a little bit later there for you.","start":69.7,"end":72.9,"sentiment":"neutral","sentiment_score":0.0842626504600048},{"text":"Okay?","start":72.9,"end":73.4,"sentiment":"neutral","sentiment_score":0.05363434553146362}],"sentiment":"neutral","sentiment_score":0.10813822765668778,"num_words":73,"start":53.515,"end":73.4},{"sentences":[{"text":"Beautiful.","start":74.675,"end":75.175,"sentiment":"positive","sentiment_score":0.5070707201957703},{"text":"Lovely.","start":76.355,"end":76.755,"sentiment":"positive","sentiment_score":0.4337460994720459},{"text":"Now, Ladi, moving forward, we do record our calls for quality and training purposes.","start":76.755,"end":80.515,"sentiment":"neutral","sentiment_score":0.13197599244969233},{"text":"Are you happy for me to proceed with that?","start":80.515,"end":82.535,"sentiment":"neutral","sentiment_score":0.15638727280828688},{"text":"Yep.","start":84.035,"end":84.354996,"sentiment":"neutral","sentiment_score":0.18885591626167297}],"sentiment":"neutral","sentiment_score":0.16864700328845245,"num_words":26,"start":74.675,"end":84.354996},{"sentences":[{"text":"Fantastic.","start":84.354996,"end":84.854996,"sentiment":"positive","sentiment_score":0.42606067657470703},{"text":"And I'll just do security there with you as well.","start":85.315,"end":86.985,"sentiment":"neutral","sentiment_score":0.22183203995227813},{"text":"I am discussing your personal information.","start":86.985,"end":88.86,"sentiment":"neutral","sentiment_score":0.11452407389879227},{"text":"So I'll just confirm your full name, date of birth, and address I should have on file.","start":88.86,"end":92.4,"sentiment":"neutral","sentiment_score":0.11124690709745183},{"text":"Yep.","start":95.340004,"end":95.840004,"sentiment":"neutral","sentiment_score":0.02692266926169395}],"sentiment":"neutral","sentiment_score":0.14998987455453192,"num_words":35,"start":84.354996,"end":95.840004},{"sentences":[{"text":"Yep.","start":97.740005,"end":98.240005,"sentiment":"neutral","sentiment_score":0.028386998921632767},{"text":"Beautiful.","start":103.115,"end":103.615,"sentiment":"neutral","sentiment_score":0.32924193143844604},{"text":"Lovely.","start":104.555,"end":104.875,"sentiment":"positive","sentiment_score":0.5072512626647949},{"text":"Thank you so much for that.","start":104.875,"end":106.575,"sentiment":"positive","sentiment_score":0.5874099172651768},{"text":"So, Lardia, with the advice piece, we did your annual review late last year.","start":106.875,"end":110.075,"sentiment":"neutral","sentiment_score":0.07354743512613433}],"sentiment":"neutral","sentiment_score":0.23560886036442674,"num_words":23,"start":97.740005,"end":110.075},{"sentences":[{"text":"I do apologize.","start":110.075,"end":110.875,"sentiment":"neutral","sentiment_score":-0.15762833754221597},{"text":"I have been a little bit late coming.","start":110.875,"end":112.575,"sentiment":"neutral","sentiment_score":-0.3197260871529579},{"text":"The good thing about this is once I have the advice document ready to go earlier this year, we actually stopped and went back and rejigged it a little bit.","start":113.37,"end":119.770004,"sentiment":"positive","sentiment_score":0.3605371743440628},{"text":"So you've probably noticed there's been some changes in the markets.","start":119.770004,"end":122.75,"sentiment":"neutral","sentiment_score":-0.11024333807555112},{"text":"Things are a little bit up and down at the moment.","start":123.21,"end":125.39,"sentiment":"negative","sentiment_score":-0.3811493854631077}],"sentiment":"neutral","sentiment_score":0.037779389865814694,"num_words":63,"start":110.075,"end":125.39},{"sentences":[{"text":"So we've gone back and reviewed, obviously, your goals with regards to your super, your retirement goals there.","start":126.265,"end":131.305,"sentiment":"neutral","sentiment_score":0.19079506893952689},{"text":"I've made some recommendations, but also looking at altering the portfolio for you as well as we have kind of noticed there has been some changes in the market, and we do wanna look at maybe moving some underperforming investments and looking at moving you into something a bit more passive and low cost as well.","start":131.305,"end":147.89,"sentiment":"neutral","sentiment_score":0.18801825819537044},{"text":"Okay?","start":147.89,"end":148.39,"sentiment":"neutral","sentiment_score":0.17087307572364807},{"text":"So with this advice piece, it is sort of structured to essentially just your super as the main the main area that we are looking to scope in.","start":150.53,"end":159.39499,"sentiment":"neutral","sentiment_score":0.27676218428782057},{"text":"Essentially, you wanted to be able to access super at around about 62 to 63.","start":159.69499,"end":164.75499,"sentiment":"neutral","sentiment_score":0.29620942374070486}],"sentiment":"neutral","sentiment_score":0.22310753637072395,"num_words":118,"start":126.265,"end":164.75499},{"sentences":[{"text":"Your target balance at that time when you're accessing is you kinda wanted to reach between 350,000 to 500,000.","start":164.89499,"end":172.05,"sentiment":"neutral","sentiment_score":0.30973585498960393},{"text":"So we've looked at kind of, yeah, we've looked at kind of what to do to sort of help you along to to, you know, keep you on track towards that goal.","start":172.05,"end":180.05,"sentiment":"positive","sentiment_score":0.41021292796358466},{"text":"It is really important that when we are looking at market and market reactions and and projections that these are just projections.","start":180.05,"end":186.11499,"sentiment":"neutral","sentiment_score":0.2734761898490516},{"text":"So we'll keep reviewing things moving forward to sort of keep you along.","start":186.175,"end":189.47499,"sentiment":"positive","sentiment_score":0.4913028593246753},{"text":"And as we need to update the advice, please, we'll absolutely look at doing that for you.","start":189.53499,"end":193.69499,"sentiment":"positive","sentiment_score":0.4243434544871835}],"sentiment":"positive","sentiment_score":0.3750392913963031,"num_words":103,"start":164.89499,"end":193.69499},{"sentences":[{"text":"Okay?","start":193.69499,"end":194.19499,"sentiment":"neutral","sentiment_score":0.17360685765743256},{"text":"I've also scoped in the estate planning side of things.","start":195.375,"end":198.12001,"sentiment":"neutral","sentiment_score":0.2146076574921608},{"text":"So when we sort of spoke, you didn't have a will, but you did wanna make sure that your beneficiary nominations were completed so that the benefit in the event of passing could be paid out to your girlfriend, Lynn, also your daughter, Sierra, and you wanted your brother as the other beneficiary there.","start":198.12001,"end":214.455,"sentiment":"neutral","sentiment_score":0.22357959693504703},{"text":"So I have as part of the advice included the estate planning side of things to make sure that your beneficiary nominations on your super are set up correctly to benefit your beneficiaries in the right way and also making a recommendation that you speak to a solicitor to have a will and power of attorney drawn up because they're also very important.","start":214.455,"end":233.39,"sentiment":"neutral","sentiment_score":0.1973501437949756},{"text":"Okay?","start":233.61,"end":234.11,"sentiment":"neutral","sentiment_score":0.06293553858995438}],"sentiment":"neutral","sentiment_score":0.20844167647089146,"num_words":129,"start":193.69499,"end":234.11},{"sentences":[{"text":"Because we are looking at your estate planning as as sorry.","start":235.85,"end":238.89,"sentiment":"neutral","sentiment_score":-0.002860366959463466},{"text":"As your super and your retirement goals, I've also factored in just a limited scope of your retirement aspect.","start":238.89,"end":244.68501,"sentiment":"neutral","sentiment_score":0.0006766186929062793},{"text":"So you're a little bit further out than what we'd like to be able to really look at the drawdown aspect in retirement, but I can, on a limited basis, factor in the retirement, which essentially was not recommending a certain drawdown.","start":244.68501,"end":256.40002,"sentiment":"neutral","sentiment_score":-0.05283532872618664},{"text":"It is looking at the long term effect of the recommendations that we're making and looking at where we hope to end up based on these recommendations.","start":256.62,"end":263.68,"sentiment":"neutral","sentiment_score":0.08605119682572505},{"text":"Okay?","start":264.22,"end":264.72,"sentiment":"neutral","sentiment_score":0.04145871847867966}],"sentiment":"neutral","sentiment_score":0.0012714894488453864,"num_words":100,"start":235.85,"end":264.72},{"sentences":[{"text":"Areas that we've scoped out for now are insurances.","start":265.965,"end":268.465,"sentiment":"neutral","sentiment_score":0.06493386295106676},{"text":"So you are comfortable with the level of cover that you have.","start":268.525,"end":271.56497,"sentiment":"neutral","sentiment_score":0.16009696883459887},{"text":"Didn't wanna look at getting any new cover at all.","start":271.56497,"end":274.145,"sentiment":"neutral","sentiment_score":-0.14927691854536534},{"text":"Just wanted to retain what you have for the time being.","start":274.28497,"end":276.44498,"sentiment":"neutral","sentiment_score":0.17025698111815887},{"text":"Super is kind of your main goal.","start":276.44498,"end":278.125,"sentiment":"positive","sentiment_score":0.3467610308102199}],"sentiment":"neutral","sentiment_score":0.10842761663453919,"num_words":49,"start":265.965,"end":278.125},{"sentences":[{"text":"Here you are working towards retirement and getting closer to that, and that was something that we discussed that was really important to you.","start":278.125,"end":284.08,"sentiment":"positive","sentiment_score":0.3348701310654481},{"text":"Okay?","start":284.08,"end":284.58,"sentiment":"neutral","sentiment_score":0.1210288107395172},{"text":"And then scoping out any additional areas of debt management and cash flow and budgeting, we can help you and provide additional advice down the track in those sorts of areas, but they have been stripped out of this advice piece for you at the moment.","start":285.68,"end":296.795,"sentiment":"neutral","sentiment_score":0.07339752603160299},{"text":"Okay?","start":296.795,"end":297.295,"sentiment":"neutral","sentiment_score":0.04820019751787186},{"text":"On the front page of that, when you are looking at the advice document, it does have your lovely name there, and it also lets you know that the advice has been structured and done by myself, Dana Taylor.","start":298.955,"end":307.63,"sentiment":"positive","sentiment_score":0.3998126364671267}],"sentiment":"neutral","sentiment_score":0.2448206412027011,"num_words":111,"start":278.125,"end":307.63},{"sentences":[{"text":"My authorized representative number, if you ever wanted to look that up, is 1304394.","start":307.63,"end":312.91,"sentiment":"neutral","sentiment_score":0.1358130302812372},{"text":"And I'm an authorized representative under Oakview Financial, registered with ASIC.","start":312.91,"end":317.49002,"sentiment":"neutral","sentiment_score":0.09947265176610513},{"text":"Okay?","start":317.63,"end":318.13,"sentiment":"neutral","sentiment_score":0.17881207168102264},{"text":"Perfect.","start":320.01498,"end":320.51498,"sentiment":"neutral","sentiment_score":0.03517645224928856},{"text":"So to jump into the recommendations there for you, so what I am actually recommending, sorry, is that because you are about seven years out of that age 63 mark, six years away from age 62, I have had a bit of a look at the super fund.","start":320.815,"end":336.19,"sentiment":"neutral","sentiment_score":-0.004230879945680499}],"sentiment":"neutral","sentiment_score":0.04008650506536166,"num_words":75,"start":307.63,"end":336.19},{"sentences":[{"text":"I am recommending that you do stay within Hub twenty four.","start":336.19,"end":339.15002,"sentiment":"neutral","sentiment_score":0.31057880412448535},{"text":"Hub twenty four is still a great platform.","start":339.15002,"end":341.09,"sentiment":"positive","sentiment_score":0.7195065096020699},{"text":"It is still working for you, and there's no sort of need to change the platform at the moment.","start":341.39,"end":346.29,"sentiment":"positive","sentiment_score":0.41398469711604874},{"text":"I am, however, recommending that we alter your portfolio.","start":346.63498,"end":349.535,"sentiment":"neutral","sentiment_score":-0.012803711204065217},{"text":"So you were in an an older, high growth portfolio.","start":349.595,"end":353.055,"sentiment":"neutral","sentiment_score":-0.034979597106575964}],"sentiment":"neutral","sentiment_score":0.2907561192190961,"num_words":57,"start":336.19,"end":353.055},{"sentences":[{"text":"You were still comfortable staying at high growth environment for maybe another year, but you wanted to sort of look at something a bit more passive.","start":353.275,"end":360.395,"sentiment":"neutral","sentiment_score":-0.012651856988668442},{"text":"And since this year coming back, there has been some changes in the market conditions with what is happening out there globally.","start":360.395,"end":366.99002,"sentiment":"neutral","sentiment_score":-0.11838133565404198},{"text":"So I have gone back and reviewed the investment portfolio to look at how we make a recommendation to alter that for you.","start":367.13,"end":374.27002,"sentiment":"neutral","sentiment_score":0.08441973639571149},{"text":"So when you are reviewing the document here, down on page number 19, you will see essentially what we are looking at buying and selling.","start":374.525,"end":381.505,"sentiment":"neutral","sentiment_score":0.06659731402993202},{"text":"So out of your old portfolio, we are removing the ban along Australian equities.","start":381.725,"end":385.825,"sentiment":"neutral","sentiment_score":-0.12544111109205655}],"sentiment":"neutral","sentiment_score":-0.00984478575939482,"num_words":110,"start":353.275,"end":385.825},{"sentences":[{"text":"That investment in the last couple of months has been underperforming.","start":386.20502,"end":389.05002,"sentiment":"negative","sentiment_score":-0.38778107274662366},{"text":"So I wanted to remove that, and I figured doing it all as one advice piece as much as it's kinda been a bit longer since we last spoke.","start":389.43002,"end":396.41,"sentiment":"neutral","sentiment_score":-0.12742816656827927},{"text":"If I had provided the first advice and gone back and redone it, it's basically incorporating two of the exact same advice pieces.","start":396.79,"end":402.815,"sentiment":"neutral","sentiment_score":0.053914476671944496},{"text":"So it was better to go back, restructure the investments, and provide everything to you now as one big advice piece so you can see everything as a whole.","start":402.815,"end":411.295,"sentiment":"neutral","sentiment_score":0.21939603239297867},{"text":"Does that make sense?","start":411.295,"end":412.355,"sentiment":"neutral","sentiment_score":0.15704098530113697}],"sentiment":"neutral","sentiment_score":0.0028090959725280604,"num_words":96,"start":386.20502,"end":412.355},{"sentences":[{"text":"It is.","start":415.38998,"end":415.94998,"sentiment":"neutral","sentiment_score":0.08168008923530579},{"text":"Yeah.","start":415.94998,"end":416.44998,"sentiment":"neutral","sentiment_score":0.07753470540046692},{"text":"You're right.","start":418.27,"end":419.09,"sentiment":"neutral","sentiment_score":0.07666951045393944},{"text":"Does it come through for you?","start":419.63,"end":421.16998,"sentiment":"neutral","sentiment_score":0.12677482391397157},{"text":"Absolutely.","start":431.48502,"end":431.98502,"sentiment":"neutral","sentiment_score":0.20749297738075256}],"sentiment":"neutral","sentiment_score":0.11353131880362828,"num_words":12,"start":415.38998,"end":431.98502},{"sentences":[{"text":"Absolutely.","start":432.605,"end":433.105,"sentiment":"neutral","sentiment_score":0.2952171564102173},{"text":"Yeah.","start":437.18,"end":437.68,"sentiment":"neutral","sentiment_score":0.09232714772224426},{"text":"Yeah.","start":443.5,"end":444.0,"sentiment":"neutral","sentiment_score":0.04072926938533783},{"text":"Understandable.","start":445.26,"end":445.76,"sentiment":"neutral","sentiment_score":0.09128745645284651},{"text":"When you when you go have that open, if you're looking at page number 19, that's kinda where I am at the moment just so we can run through the changes in the investment portfolio for you.","start":446.94,"end":456.345,"sentiment":"neutral","sentiment_score":0.013942863346971068}],"sentiment":"neutral","sentiment_score":0.02525480423923355,"num_words":41,"start":432.605,"end":456.345},{"sentences":[{"text":"Yeah.","start":456.405,"end":456.905,"sentiment":"neutral","sentiment_score":0.2254338264465332},{"text":"Beautiful.","start":457.045,"end":457.545,"sentiment":"positive","sentiment_score":0.4570464491844177},{"text":"So as I kinda mentioned, Bennelong has been underperforming a bit, so we are removing that investment as a whole.","start":458.165,"end":463.625,"sentiment":"neutral","sentiment_score":-0.30168681107461454},{"text":"With their underperformance, the investment committee have met.","start":464.32,"end":466.88,"sentiment":"negative","sentiment_score":-0.3963811434805393},{"text":"We've decided as the business is no longer beneficial for you, so you'll see completely selling you out of that.","start":466.88,"end":472.58,"sentiment":"negative","sentiment_score":-0.43936486095190047}],"sentiment":"negative","sentiment_score":-0.34619204625487326,"num_words":50,"start":456.405,"end":472.58},{"sentences":[{"text":"We're also gonna be removing out of the battery and lithium tech.","start":473.03998,"end":476.24,"sentiment":"neutral","sentiment_score":-0.16910470773776373},{"text":"Look, it has been a good area, but it is it was in this portfolio as more of a sector where we're looking to get higher growth and can be quite volatile.","start":476.24,"end":484.50497,"sentiment":"neutral","sentiment_score":-0.22012911597266793},{"text":"Okay?","start":484.88498,"end":485.38498,"sentiment":"neutral","sentiment_score":-0.009190387092530727},{"text":"Yeah.","start":487.28497,"end":487.76498,"sentiment":"neutral","sentiment_score":0.060967717319726944},{"text":"We're also looking to sell completely out of the agriculture you have in the the beta the beta shares global agriculture sector.","start":487.76498,"end":494.26498,"sentiment":"neutral","sentiment_score":0.004655440486120907}],"sentiment":"neutral","sentiment_score":-0.1311645762214218,"num_words":68,"start":473.03998,"end":494.26498},{"sentences":[{"text":"It has been very good moving forward, but, again, this was something that was in the back a while ago and now has sort of been assessed as being possibly removed and looking at other areas to seek future growth.","start":494.62,"end":505.75998,"sentiment":"neutral","sentiment_score":-0.057172204926609994},{"text":"We are keeping a bit of cybersecurity.","start":506.13998,"end":507.84,"sentiment":"neutral","sentiment_score":-0.003120420766728265},{"text":"It is still a really important area moving forward, but we are just gonna rebalance it a little bit so you'll have a little bit more cybersecurity than what you currently have.","start":508.13998,"end":516.235,"sentiment":"neutral","sentiment_score":-0.006140352401416749},{"text":"With the Asia fifty, we're gonna remove you out of that completely and sell that off.","start":517.09503,"end":522.18,"sentiment":"neutral","sentiment_score":-0.14845768082886934},{"text":"We're gonna buy into the iShares European.","start":522.74,"end":525.39996,"sentiment":"neutral","sentiment_score":0.026987207255193164}],"sentiment":"neutral","sentiment_score":-0.04599642021325873,"num_words":102,"start":494.62,"end":525.39996},{"sentences":[{"text":"So whilst there is a bit of volatility out there, the European market is still really important.","start":525.62,"end":530.66,"sentiment":"neutral","sentiment_score":-0.029214246308102328},{"text":"This encompasses all the European countries.","start":530.66,"end":533.39996,"sentiment":"neutral","sentiment_score":0.02028396725654602},{"text":"So you are looking at diversification within that investment area, and it's a really good place to be at the moment.","start":533.94,"end":540.125,"sentiment":"positive","sentiment_score":0.6442746903215136},{"text":"The s and p 500.","start":540.585,"end":542.025,"sentiment":"neutral","sentiment_score":0.11562581360340118},{"text":"So whilst there is a bit of volatility and a lot of uncertainty around The US equities, it is still really important to have US exposure.","start":542.025,"end":548.445,"sentiment":"neutral","sentiment_score":-0.10710012826782006}],"sentiment":"neutral","sentiment_score":0.14597807794809342,"num_words":75,"start":525.62,"end":548.445},{"sentences":[{"text":"Whilst there's short term volatility now, long term, investing within The US does outperform and provide great potential growth there.","start":549.065,"end":557.57,"sentiment":"neutral","sentiment_score":0.2909984525758773},{"text":"So we are looking to keep you in the S and P 500, and we're just gonna increase that exposure a little bit.","start":557.57,"end":563.41003,"sentiment":"neutral","sentiment_score":0.2314481570020966},{"text":"Okay?","start":563.41003,"end":563.91003,"sentiment":"neutral","sentiment_score":0.06412556767463684},{"text":"Sure.","start":566.22504,"end":566.72504,"sentiment":"neutral","sentiment_score":0.07610262930393219},{"text":"Yeah.","start":571.905,"end":572.405,"sentiment":"neutral","sentiment_score":0.09689395129680634}],"sentiment":"neutral","sentiment_score":0.2473999741487205,"num_words":46,"start":549.065,"end":572.405},{"sentences":[{"text":"Yeah.","start":575.34503,"end":575.84503,"sentiment":"neutral","sentiment_score":0.038704682141542435},{"text":"The Bennelong?","start":580.0,"end":580.74,"sentiment":"neutral","sentiment_score":0.04509018920361996},{"text":"Absolutely.","start":580.95996,"end":581.45996,"sentiment":"neutral","sentiment_score":0.1391092836856842},{"text":"So on the bottom of that table, the second one from the bottom, you'll see the beta shares a 200.","start":581.83997,"end":586.82,"sentiment":"neutral","sentiment_score":0.06938368380069733},{"text":"So Bennelong was originally put in there as more of an actively managed component.","start":587.19995,"end":590.905,"sentiment":"neutral","sentiment_score":0.04974969103932381}],"sentiment":"neutral","sentiment_score":0.061899044599972274,"num_words":38,"start":575.34503,"end":590.905},{"sentences":[{"text":"So we're gonna sell that off and move that component into the BetaShares a 200.","start":590.905,"end":596.42505,"sentiment":"neutral","sentiment_score":0.058588546017805734},{"text":"It's still giving you access to the Australian share market, the top 200 companies on on the ASX, But this is more of a passively managed fund.","start":596.42505,"end":605.17,"sentiment":"neutral","sentiment_score":0.055749018435124996},{"text":"It's set to track an index.","start":605.47,"end":606.83,"sentiment":"neutral","sentiment_score":0.05886400304734707},{"text":"It follows the top 200 companies on the ASX there.","start":606.83,"end":610.19,"sentiment":"neutral","sentiment_score":0.07040459625422954},{"text":"And, essentially, the best thing about between a 200 and the S and P 500 is that they're there to track the top 200 companies in Australia or the top 500 in The US.","start":610.19,"end":620.16504,"sentiment":"neutral","sentiment_score":0.0777830623966806}],"sentiment":"neutral","sentiment_score":0.06615114989488022,"num_words":92,"start":590.905,"end":620.16504},{"sentences":[{"text":"So because they start tracking a certain index and a set amount of companies, it's not telling you exactly what companies you have to follow.","start":620.16504,"end":628.245,"sentiment":"neutral","sentiment_score":0.02717388391494751},{"text":"So with the top 200, in order for them to be in the index, they have to meet certain criteria.","start":628.245,"end":634.44,"sentiment":"neutral","sentiment_score":0.09124741498380899},{"text":"And so the, you know, the builder of the index is the investment committees around each of the indexes.","start":634.98004,"end":639.88,"sentiment":"neutral","sentiment_score":0.07852891460061073},{"text":"They tend to meet on a quarterly basis, and they assess the companies that should be in these indexes.","start":639.94,"end":644.805,"sentiment":"neutral","sentiment_score":0.0554456256918217},{"text":"If these companies don't meet the criteria, they are removed out and other companies are moved into their place.","start":645.045,"end":650.345,"sentiment":"neutral","sentiment_score":-0.2070719599723816}],"sentiment":"neutral","sentiment_score":0.010935729643439545,"num_words":102,"start":620.16504,"end":650.345},{"sentences":[{"text":"So you are always invested in the top 200 companies on the ASX and the top 500 within The US.","start":650.565,"end":656.485,"sentiment":"positive","sentiment_score":0.3692168541252613},{"text":"So it's kind of giving you a little bit more certainty that you are always following the top companies in those indexes.","start":656.485,"end":662.24005,"sentiment":"positive","sentiment_score":0.40751656754450366},{"text":"So the risk of those companies going bust and then that money going bust is minimized that way for you, if that makes sense.","start":662.30005,"end":668.96,"sentiment":"neutral","sentiment_score":-0.19836738395194212},{"text":"Yeah.","start":669.66003,"end":670.16003,"sentiment":"neutral","sentiment_score":0.05158119276165962},{"text":"Yeah.","start":677.925,"end":678.245,"sentiment":"neutral","sentiment_score":0.028892502188682556}],"sentiment":"neutral","sentiment_score":0.17160820659688292,"num_words":68,"start":650.565,"end":678.245},{"sentences":[{"text":"Yep.","start":678.245,"end":678.745,"sentiment":"neutral","sentiment_score":0.01751718670129776},{"text":"Yeah.","start":686.74,"end":687.24,"sentiment":"neutral","sentiment_score":-0.03241033852100372},{"text":"Yeah.","start":688.18,"end":688.68,"sentiment":"neutral","sentiment_score":-0.017447397112846375},{"text":"So correct.","start":688.74,"end":690.68,"sentiment":"neutral","sentiment_score":0.00423017144203186},{"text":"Yep.","start":694.34,"end":694.84,"sentiment":"neutral","sentiment_score":0.099875807762146}],"sentiment":"neutral","sentiment_score":0.012665933618942896,"num_words":6,"start":678.245,"end":694.84},{"sentences":[{"text":"You're right.","start":695.78,"end":696.42004,"sentiment":"neutral","sentiment_score":0.04960804805159569},{"text":"So you can totally see that essentially.","start":696.42004,"end":698.28,"sentiment":"neutral","sentiment_score":0.06424633639731578},{"text":"So by selling off the ones in red there, the ones in green are where we're buying into.","start":698.42004,"end":703.105,"sentiment":"neutral","sentiment_score":0.07766637661390835},{"text":"So it's not about reallocating exactly that amount of money.","start":703.105,"end":706.065,"sentiment":"neutral","sentiment_score":0.0027899403125047685},{"text":"They've kinda got the portfolio, and we've worked out what percentage the recommended weighting should be.","start":706.065,"end":711.605,"sentiment":"neutral","sentiment_score":0.08710963767953217}],"sentiment":"neutral","sentiment_score":0.06355827992325122,"num_words":53,"start":695.78,"end":711.605},{"sentences":[{"text":"By selling those investments in red, we're reallocating the funds in line with the recommended weighting so that you're buying into the ones that you don't currently have and just rebalancing the ones that you currently hold that we are keeping.","start":712.03,"end":724.85,"sentiment":"neutral","sentiment_score":0.1476335140263162},{"text":"Does that make sense?","start":724.91003,"end":725.97003,"sentiment":"neutral","sentiment_score":0.055519417859613895},{"text":"Yeah.","start":726.685,"end":727.185,"sentiment":"neutral","sentiment_score":0.1780314743518829},{"text":"And then the recommended balance at the end shows you how much you should have in weighted as a dollar figure in each of those investments once we've completed those buyers.","start":727.805,"end":736.605,"sentiment":"neutral","sentiment_score":0.19682096449598188},{"text":"So you'll still keep some physical gold.","start":736.605,"end":738.63,"sentiment":"neutral","sentiment_score":0.1811095635805811}],"sentiment":"neutral","sentiment_score":0.1645511912536763,"num_words":84,"start":712.03,"end":738.63},{"sentences":[{"text":"Sorry.","start":739.27,"end":739.59,"sentiment":"neutral","sentiment_score":-0.09434754401445387},{"text":"You don't have any at the moment.","start":739.59,"end":740.55,"sentiment":"neutral","sentiment_score":-0.12930152245930263},{"text":"We are adding physical gold.","start":740.55,"end":741.83,"sentiment":"neutral","sentiment_score":-0.009701799601316452},{"text":"I do apologize.","start":741.83,"end":742.65,"sentiment":"neutral","sentiment_score":-0.054618917405605316},{"text":"Absolutely.","start":749.03,"end":749.53,"sentiment":"positive","sentiment_score":0.3730384111404419}],"sentiment":"neutral","sentiment_score":-0.049340325900736975,"num_words":17,"start":739.27,"end":749.53},{"sentences":[{"text":"Yeah.","start":749.91003,"end":750.23,"sentiment":"neutral","sentiment_score":0.14578098058700562},{"text":"Yeah.","start":750.23,"end":750.63,"sentiment":"neutral","sentiment_score":0.14027844369411469},{"text":"So having some physical gold in there is great.","start":750.63,"end":752.625,"sentiment":"neutral","sentiment_score":0.27047116061051685},{"text":"You'll have some a 200, so Australian 200 exposure.","start":752.625,"end":755.84503,"sentiment":"neutral","sentiment_score":0.24925922685199314},{"text":"The Vanguard All World x US, so this is giving you exposure to the entire world minus US because you have the S and P 500 in there as well.","start":756.465,"end":764.965,"sentiment":"neutral","sentiment_score":0.17187579944729806}],"sentiment":"neutral","sentiment_score":0.20239813789725303,"num_words":50,"start":749.91003,"end":764.965},{"sentences":[{"text":"We're keeping a little bit of Japanese exposure.","start":765.65,"end":768.05005,"sentiment":"neutral","sentiment_score":0.24071797542273998},{"text":"It is still a really good area to have.","start":768.05005,"end":770.15,"sentiment":"positive","sentiment_score":0.5888147685262892},{"text":"And, historically, Japan has moved not so much in unison with Australia and US markets.","start":770.53,"end":775.33,"sentiment":"neutral","sentiment_score":0.03211631501714388},{"text":"It tends to move a little bit separately, which has been an advantage in the past.","start":775.33,"end":779.355,"sentiment":"neutral","sentiment_score":0.058939532143995166},{"text":"Keeping some S and P 500 and way re wasting it a little bit, keeping some European exposure there, keeping some cybersecurity.","start":780.315,"end":787.45496,"sentiment":"neutral","sentiment_score":-0.06695159812542525}],"sentiment":"neutral","sentiment_score":0.10252741144171783,"num_words":70,"start":765.65,"end":787.45496},{"sentences":[{"text":"And on the next page, you'll see the BetaShares Bank hybrid.","start":787.915,"end":791.295,"sentiment":"neutral","sentiment_score":0.10381260717456992},{"text":"So you don't have any of these.","start":791.69,"end":793.37,"sentiment":"neutral","sentiment_score":0.037280112504959106},{"text":"These are more of a defensive investment.","start":793.37,"end":795.21,"sentiment":"neutral","sentiment_score":0.152477288884776},{"text":"Having these in your portfolio at the moment is still a benefit.","start":795.21,"end":797.95,"sentiment":"positive","sentiment_score":0.43487482766310376},{"text":"It's important to have some low risk defensive investments for cash for burn producing, but also when equities don't do so well, having defensive investments like these bank hybrids works in your advantage.","start":798.17,"end":808.685,"sentiment":"neutral","sentiment_score":0.27791790302955743}],"sentiment":"neutral","sentiment_score":0.24085756029401506,"num_words":70,"start":787.915,"end":808.685},{"sentences":[{"text":"They're cash producing at lower risk, and then having some physical gold helps as well.","start":808.685,"end":813.505,"sentiment":"neutral","sentiment_score":0.2911930779616038},{"text":"Okay?","start":813.565,"end":814.065,"sentiment":"neutral","sentiment_score":0.11392863094806673},{"text":"Yeah.","start":814.925,"end":815.425,"sentiment":"neutral","sentiment_score":0.09779565036296844},{"text":"Yeah.","start":818.30005,"end":818.80005,"sentiment":"neutral","sentiment_score":0.02218397706747055},{"text":"Yes.","start":823.26,"end":823.76,"sentiment":"neutral","sentiment_score":0.04269614815711975}],"sentiment":"neutral","sentiment_score":0.24444739873472013,"num_words":19,"start":808.685,"end":823.76},{"sentences":[{"text":"Yeah.","start":826.14,"end":826.64,"sentiment":"neutral","sentiment_score":0.08199898153543472},{"text":"Absolutely.","start":826.94,"end":827.44,"sentiment":"neutral","sentiment_score":0.2675480842590332},{"text":"Yeah.","start":828.86005,"end":829.36005,"sentiment":"neutral","sentiment_score":0.11825475096702576},{"text":"Absolutely.","start":829.785,"end":830.26495,"sentiment":"neutral","sentiment_score":0.20124834775924683},{"text":"We can do a catch up every six months if you want to.","start":830.26495,"end":832.825,"sentiment":"neutral","sentiment_score":0.14572129398584366}],"sentiment":"neutral","sentiment_score":0.15078982272568872,"num_words":17,"start":826.14,"end":832.825},{"sentences":[{"text":"I can do one every three months.","start":832.825,"end":834.365,"sentiment":"neutral","sentiment_score":0.09707078124795641},{"text":"Generally, in the shorter term around every month to three months, you don't see as big a changes.","start":834.58496,"end":839.305,"sentiment":"neutral","sentiment_score":0.046021711805628404},{"text":"But if you wanted to, I could organize a catch up with you once every six months where we have a look at what your portfolio is doing, how it's performing, and then sort of look at, you know, rejigging it if we need to.","start":839.305,"end":849.86,"sentiment":"neutral","sentiment_score":0.1635572517083751},{"text":"Does that as well as doing your annual review because we do that every year as well.","start":849.86,"end":853.32,"sentiment":"neutral","sentiment_score":0.1889776718967101},{"text":"Yeah.","start":854.625,"end":855.125,"sentiment":"neutral","sentiment_score":0.15709981322288513}],"sentiment":"neutral","sentiment_score":0.1390645777679641,"num_words":88,"start":832.825,"end":855.125},{"sentences":[{"text":"Mhmm.","start":860.145,"end":860.645,"sentiment":"neutral","sentiment_score":0.10004857182502748},{"text":"Yep.","start":861.66504,"end":862.16504,"sentiment":"neutral","sentiment_score":0.1241011843085289},{"text":"Yeah.","start":864.065,"end":864.565,"sentiment":"neutral","sentiment_score":0.0676860362291336},{"text":"Yep.","start":874.72,"end":875.22,"sentiment":"neutral","sentiment_score":0.04725554585456848},{"text":"Yeah.","start":875.27997,"end":875.77997,"sentiment":"neutral","sentiment_score":0.04276866093277931}],"sentiment":"neutral","sentiment_score":0.07637199983000756,"num_words":5,"start":860.145,"end":875.77997},{"sentences":[{"text":"Absolutely.","start":876.16,"end":876.66,"sentiment":"neutral","sentiment_score":0.04316245764493942},{"text":"Yeah.","start":882.415,"end":882.65497,"sentiment":"neutral","sentiment_score":0.04072311148047447},{"text":"Yes.","start":882.65497,"end":883.15497,"sentiment":"neutral","sentiment_score":0.11417677998542786},{"text":"Yeah.","start":887.535,"end":888.035,"sentiment":"neutral","sentiment_score":0.06393963098526001},{"text":"Yeah.","start":888.095,"end":888.595,"sentiment":"neutral","sentiment_score":0.04790906608104706}],"sentiment":"neutral","sentiment_score":0.06198220923542976,"num_words":5,"start":876.16,"end":888.595},{"sentences":[{"text":"Need to crack that a little bit.","start":888.975,"end":890.495,"sentiment":"neutral","sentiment_score":-0.08429334312677383},{"text":"Absolutely.","start":890.495,"end":890.995,"sentiment":"neutral","sentiment_score":0.23864290118217468},{"text":"And that does also bring me to the other recommendation with regard to this.","start":891.77997,"end":895.38,"sentiment":"neutral","sentiment_score":0.09782252034970693},{"text":"Now I am also recommending that you do start a salary sacrifice arrangement there, that we do increase your contributions in.","start":895.38,"end":902.42,"sentiment":"neutral","sentiment_score":0.08005271213395256},{"text":"It is completely up to you as to whether you do this or not.","start":902.42,"end":905.22,"sentiment":"neutral","sentiment_score":0.11602269592029708}],"sentiment":"neutral","sentiment_score":0.07585139441908452,"num_words":57,"start":888.975,"end":905.22},{"sentences":[{"text":"However, when I kind of rang the ran the retirement scenarios looking and projecting everything out, in order to get you to that kind of mark, because of the market volatility we are seeing, we did need to maybe increase your contributions a bit there as well.","start":905.22,"end":918.865,"sentiment":"neutral","sentiment_score":0.03128914011919752},{"text":"So I am recommending that you increase your salary sacrificing about a $150 on a weekly basis if it's working within your budget.","start":918.865,"end":927.29,"sentiment":"neutral","sentiment_score":0.12915586194266443},{"text":"One of the things I talked about was rejecting, yeah, just letting you know what we needed to do to kinda get to that point and then to come back as part of the advice, and you can review that and tell me whether you're comfortable taking that on board.","start":927.50995,"end":938.835,"sentiment":"neutral","sentiment_score":0.06759010154753924},{"text":"You can start with a lesser amount and kinda build that up.","start":938.835,"end":942.055,"sentiment":"neutral","sentiment_score":0.06898669091363747},{"text":"But the main reason I'm starting that recommendation now is because we are seeing the volatility.","start":942.35504,"end":945.635,"sentiment":"neutral","sentiment_score":0.1305740512907505}],"sentiment":"neutral","sentiment_score":0.07255205810321746,"num_words":148,"start":905.22,"end":945.635},{"sentences":[{"text":"Adding a you know, your super balance.","start":945.635,"end":954.26996,"sentiment":"neutral","sentiment_score":0.20478298302207673},{"text":"And as the market's come out, I just see recovery.","start":954.26996,"end":956.69,"sentiment":"neutral","sentiment_score":0.19758202284574508},{"text":"Adding more money in is only gonna provide a greater advantage.","start":956.75,"end":959.97,"sentiment":"positive","sentiment_score":0.40585518696091394},{"text":"It is better to add the salary sacrifice now as opposed to waiting for another three or five years down the track.","start":960.375,"end":966.135,"sentiment":"neutral","sentiment_score":0.18071949617429214},{"text":"Because if you think about a $100 compounding over ten years or compounding over six or seven years, it has a much greater effect than if you were sort of having a $100 compound over three or four years.","start":966.135,"end":978.31,"sentiment":"neutral","sentiment_score":0.28052470030692905}],"sentiment":"neutral","sentiment_score":0.25606742015715395,"num_words":89,"start":945.635,"end":978.31},{"sentences":[{"text":"So starting salary sacrifice now is really important.","start":978.31,"end":981.53,"sentiment":"positive","sentiment_score":0.3513933625072241},{"text":"And when I projected out as per, you'll see on page number 13 there.","start":981.67,"end":986.09,"sentiment":"neutral","sentiment_score":0.23222910187074117},{"text":"With the changes in the investment structure, the newer investment portfolio is actually cheaper, saving you about $4,546 for the first year in investment fees, which is a great saving.","start":987.135,"end":999.075,"sentiment":"positive","sentiment_score":0.615438449382782},{"text":"It's also saving you about $82 and any other fees applicable to the fund there, which again is really good.","start":999.87,"end":1005.31,"sentiment":"positive","sentiment_score":0.7222620457410812},{"text":"And increasing your contributions by that $150 on a weekly basis in the super provides a greater longevity effect.","start":1005.31,"end":1012.61005,"sentiment":"positive","sentiment_score":0.6383584455439919}],"sentiment":"positive","sentiment_score":0.5615336174493307,"num_words":91,"start":978.31,"end":1012.61005},{"sentences":[{"text":"With the way the portfolios have performed, on the bottom of that table, you'll see the five year rolling average here.","start":1013.235,"end":1019.475,"sentiment":"positive","sentiment_score":0.42430436611175537},{"text":"Now I, by no means, expect that you're gonna get 19% out of this portfolio on every single year.","start":1019.475,"end":1025.255,"sentiment":"neutral","sentiment_score":0.2913048083060666},{"text":"I've actually got on the next page a more conservative projection there for you.","start":1025.39,"end":1029.5701,"sentiment":"neutral","sentiment_score":0.13480389064976148},{"text":"So because I don't think you're gonna get 19% every year, if you were able to get 19% every year up to the next seven years, you could see yourself with over $600,000 in super in the next seven years, which would be fantastic.","start":1030.03,"end":1042.705,"sentiment":"positive","sentiment_score":0.3352345963093368},{"text":"However, the way I'm sort of projecting it out on a more conservative level is by with, say, an average rate of return looking at about we've done about a 8% return with your increase in salary sacrifice plus your current contributions.","start":1043.4049,"end":1058.3301,"sentiment":"neutral","sentiment_score":0.2165886882160391}],"sentiment":"neutral","sentiment_score":0.2869963189853089,"num_words":140,"start":1013.235,"end":1058.3301},{"sentences":[{"text":"You would actually expect to have over 370,000 in the next seven years.","start":1059.03,"end":1063.935,"sentiment":"positive","sentiment_score":0.33858392140469873},{"text":"So I'd expect you to end up between the 370,000 to about 500,000, which is kind of where your goal is, and this recommendation sort of puts you in that in that bracket around your retirement years given the different market conditions.","start":1064.155,"end":1079.98,"sentiment":"neutral","sentiment_score":0.2509081864818221},{"text":"I do wanna look in yeah.","start":1080.6,"end":1082.36,"sentiment":"neutral","sentiment_score":0.06373358393708865},{"text":"You're right.","start":1082.36,"end":1083.0199,"sentiment":"neutral","sentiment_score":0.15310269594192505},{"text":"Yeah.","start":1092.4651,"end":1092.865,"sentiment":"neutral","sentiment_score":0.0580735057592392}],"sentiment":"neutral","sentiment_score":0.24510023768380051,"num_words":64,"start":1059.03,"end":1092.865},{"sentences":[{"text":"So we can provide a letter that's okay.","start":1092.865,"end":1095.665,"sentiment":"neutral","sentiment_score":0.10975246829912066},{"text":"We can provide a letter for you which outlines all the information.","start":1095.665,"end":1098.645,"sentiment":"neutral","sentiment_score":0.2918195463716984},{"text":"We can email that to you as part of the implementation, and then you just hand that to your payroll or to your employer, and they will just start the salary sacrifice with your income.","start":1099.265,"end":1108.03,"sentiment":"neutral","sentiment_score":0.17909977031605584},{"text":"Yeah.","start":1108.3301,"end":1108.8301,"sentiment":"neutral","sentiment_score":0.0782027542591095},{"text":"Yeah.","start":1111.8501,"end":1112.25,"sentiment":"neutral","sentiment_score":0.06348264962434769}],"sentiment":"neutral","sentiment_score":0.1892988011894519,"num_words":57,"start":1092.865,"end":1112.25},{"sentences":[{"text":"Sure.","start":1112.25,"end":1112.75,"sentiment":"neutral","sentiment_score":0.08071275800466537},{"text":"Yep.","start":1117.625,"end":1118.125,"sentiment":"neutral","sentiment_score":0.08791321516036987},{"text":"Yeah.","start":1130.76,"end":1131.26,"sentiment":"neutral","sentiment_score":0.019034462049603466},{"text":"Yeah.","start":1131.88,"end":1132.2799,"sentiment":"neutral","sentiment_score":0.0804843008518219},{"text":"Correct.","start":1132.2799,"end":1132.7799,"sentiment":"neutral","sentiment_score":0.12128246575593948}],"sentiment":"neutral","sentiment_score":0.07788544036448002,"num_words":5,"start":1112.25,"end":1132.7799},{"sentences":[{"text":"So when I did the on the page number 14 there, you'll see my conservative projected amount because I don't you're not gonna get 19% every year.","start":1133.08,"end":1140.6799,"sentiment":"neutral","sentiment_score":0.0017546863743552435},{"text":"Markets don't work that well, unfortunately.","start":1140.6799,"end":1142.5399,"sentiment":"neutral","sentiment_score":-0.2925547584891319},{"text":"You will get years where you'd probably get that amount, but you're also gonna see lower rates of return.","start":1143.255,"end":1147.335,"sentiment":"neutral","sentiment_score":0.020486783824468915},{"text":"So this is assuming a conservative rate of return of about 8%, which is utilizing your risk profile return.","start":1147.335,"end":1153.655,"sentiment":"neutral","sentiment_score":0.14392527506539696},{"text":"And because you are closer to those retirement years, that's probably more appropriate for you.","start":1153.655,"end":1158.13,"sentiment":"neutral","sentiment_score":0.1923724244038264}],"sentiment":"neutral","sentiment_score":0.050017017048112185,"num_words":86,"start":1133.08,"end":1158.13},{"sentences":[{"text":"So based on your current balance, receiving a regular 8% return on a yearly basis and including your current contributions plus salary sacrifice, we can estimate or assume a a total super balance of around about 376,000 in retirement years.","start":1158.13,"end":1174.845,"sentiment":"neutral","sentiment_score":0.1516229636967182},{"text":"I'll I'll kinda wanna boost on that and try and get a higher than that, but this is showing you a reasonable projection on a conservative rate of return.","start":1174.845,"end":1182.625,"sentiment":"neutral","sentiment_score":0.283486678425608},{"text":"And then the top option in that recommended table, that is showing you if you were able to get that 19% every year out of the portfolio, this is where you could end up.","start":1183.085,"end":1191.96,"sentiment":"neutral","sentiment_score":0.26024078796891603},{"text":"So I'm likely expecting to see you in between those two figures, which essentially is where your goal is at, but we wanna make sure we're building and boosting on that.","start":1191.96,"end":1201.64,"sentiment":"neutral","sentiment_score":0.2442834218663554},{"text":"So starting salary sacrifice can can help us to build on those, but this is kinda showing you the degree of where we'd expect you to be around those retirement years.","start":1201.64,"end":1210.735,"sentiment":"neutral","sentiment_score":0.25117583909342367}],"sentiment":"neutral","sentiment_score":0.2332936733509555,"num_words":165,"start":1158.13,"end":1210.735},{"sentences":[{"text":"Does that make sense?","start":1210.735,"end":1211.795,"sentiment":"neutral","sentiment_score":0.1331218108534813},{"text":"Yeah.","start":1232.365,"end":1232.685,"sentiment":"neutral","sentiment_score":0.17348039150238037},{"text":"You absolutely could there.","start":1232.685,"end":1234.2051,"sentiment":"neutral","sentiment_score":0.2751876786351204},{"text":"I'm just double checking.","start":1234.2051,"end":1235.505,"sentiment":"neutral","sentiment_score":0.07213960401713848},{"text":"So when we look at because we wanna make sure you don't exceed the cap in any way, shape, or form, the concessional cap.","start":1235.5651,"end":1241.46,"sentiment":"neutral","sentiment_score":-0.0014014937914907932}],"sentiment":"neutral","sentiment_score":0.05572002471701519,"num_words":37,"start":1210.735,"end":1241.46},{"sentences":[{"text":"So your income, you've got a 159,000 there at the moment.","start":1242.02,"end":1245.5399,"sentiment":"neutral","sentiment_score":0.016086412763053722},{"text":"I'm just gonna pop that into the the pay calculator I have here just to have a look at the the cap space we have.","start":1245.5399,"end":1252.6,"sentiment":"neutral","sentiment_score":0.01706617061048746},{"text":"The $1.59.","start":1253.0599,"end":1254.52,"sentiment":"neutral","sentiment_score":0.024192275945097208},{"text":"Beautiful.","start":1256.6649,"end":1257.1649,"sentiment":"positive","sentiment_score":0.3491077423095703},{"text":"Are you expecting an increase anytime soon?","start":1257.465,"end":1259.965,"sentiment":"neutral","sentiment_score":0.04979039888296809}],"sentiment":"neutral","sentiment_score":0.029339780261659103,"num_words":46,"start":1242.02,"end":1259.965},{"sentences":[{"text":"Yep.","start":1262.1849,"end":1262.6849,"sentiment":"neutral","sentiment_score":0.12689918279647827},{"text":"Beautiful.","start":1263.3049,"end":1263.8049,"sentiment":"positive","sentiment_score":0.4018937647342682},{"text":"That's okay.","start":1266.105,"end":1266.825,"sentiment":"neutral","sentiment_score":0.13554370403289795},{"text":"So looking at the current concessional contribution cap and your current $1.59 income, you have capped space of about $210 on a weekly basis.","start":1266.825,"end":1276.91,"sentiment":"neutral","sentiment_score":0.06469730489576857},{"text":"So you can increase that to a 170 if you wanted to.","start":1276.91,"end":1280.27,"sentiment":"neutral","sentiment_score":0.09194628925373156}],"sentiment":"neutral","sentiment_score":0.08639927860349417,"num_words":40,"start":1262.1849,"end":1280.27},{"sentences":[{"text":"It's absolutely fine.","start":1280.27,"end":1281.57,"sentiment":"positive","sentiment_score":0.4591238796710968},{"text":"And we do review this with you.","start":1282.065,"end":1283.9049,"sentiment":"neutral","sentiment_score":0.1850738525390625},{"text":"So you and I will catch up.","start":1283.9049,"end":1285.1849,"sentiment":"neutral","sentiment_score":0.1624637097120285},{"text":"We'll do we'll review the contributions you're putting in, what your cap base looks like, you know, what the super's done in that time frame, you know, whether we need to take advantage of down times and what we're looking at as we get closer and closer.","start":1285.1849,"end":1297.7899,"sentiment":"neutral","sentiment_score":0.10257068280368409},{"text":"Because you do have quite a bit that you were able to save on a regular basis.","start":1297.7899,"end":1301.3899,"sentiment":"positive","sentiment_score":0.41494998861761656}],"sentiment":"neutral","sentiment_score":0.19364328979066125,"num_words":81,"start":1280.27,"end":1301.3899},{"sentences":[{"text":"So if you wanna increase that to $1.70, you absolutely can.","start":1301.3899,"end":1305.4099,"sentiment":"neutral","sentiment_score":0.3153717870062048},{"text":"I just wanted to make it a conservative recommendation so I'm not eating away all of your excess funds and showing you that this is what we needed to do to kinda get you into that gap for what you're after in retirement, but we can always build and exceed on that if we need to.","start":1305.7899,"end":1320.3251,"sentiment":"neutral","sentiment_score":0.21977505154375518},{"text":"And and yeah.","start":1320.3251,"end":1321.625,"sentiment":"neutral","sentiment_score":0.09606741865475972},{"text":"Perfect.","start":1322.245,"end":1322.745,"sentiment":"positive","sentiment_score":0.3659932315349579},{"text":"Yep.","start":1326.8099,"end":1327.3099,"sentiment":"neutral","sentiment_score":0.030992908403277397}],"sentiment":"neutral","sentiment_score":0.22863445749195913,"num_words":72,"start":1301.3899,"end":1327.3099},{"sentences":[{"text":"Absolutely.","start":1328.73,"end":1329.23,"sentiment":"neutral","sentiment_score":-0.05080261826515198},{"text":"Yep.","start":1331.45,"end":1331.95,"sentiment":"neutral","sentiment_score":0.04292521998286247},{"text":"Yep.","start":1334.73,"end":1335.21,"sentiment":"neutral","sentiment_score":0.2727450132369995},{"text":"Perfect.","start":1335.21,"end":1335.71,"sentiment":"positive","sentiment_score":0.5291945338249207},{"text":"Absolutely.","start":1337.565,"end":1338.065,"sentiment":"neutral","sentiment_score":0.27029111981391907}],"sentiment":"neutral","sentiment_score":0.21287065371870995,"num_words":5,"start":1328.73,"end":1338.065},{"sentences":[{"text":"Yeah.","start":1340.605,"end":1341.105,"sentiment":"neutral","sentiment_score":0.04890423268079758},{"text":"Yeah.","start":1342.6849,"end":1343.1649,"sentiment":"neutral","sentiment_score":0.10210530459880827},{"text":"Absolutely.","start":1343.1649,"end":1343.6649,"sentiment":"neutral","sentiment_score":0.15497981011867523},{"text":"So once you sign the advice and return it back to me, if you want, you can always on the very last page, we've got a little note box.","start":1343.885,"end":1350.12,"sentiment":"neutral","sentiment_score":0.11954954677614672},{"text":"You can just say that you wanna increase the sales back $1.70.","start":1350.36,"end":1353.82,"sentiment":"neutral","sentiment_score":0.11553899198770523}],"sentiment":"neutral","sentiment_score":0.1172589569945227,"num_words":44,"start":1340.605,"end":1353.82},{"sentences":[{"text":"And as soon as I get that back, I'll get my team to draft up a letter for you and send it through.","start":1354.2,"end":1358.6,"sentiment":"neutral","sentiment_score":0.1758473858885143},{"text":"It shouldn't be a problem.","start":1358.6,"end":1359.74,"sentiment":"neutral","sentiment_score":0.1977929323911667},{"text":"Okay?","start":1359.88,"end":1360.38,"sentiment":"neutral","sentiment_score":0.08228717744350433},{"text":"Yep.","start":1361.48,"end":1361.98,"sentiment":"neutral","sentiment_score":0.12555895745754242},{"text":"Beautiful.","start":1362.12,"end":1362.62,"sentiment":"positive","sentiment_score":0.5091201663017273}],"sentiment":"neutral","sentiment_score":0.18549744640627214,"num_words":31,"start":1354.2,"end":1362.62},{"sentences":[{"text":"Excellent.","start":1364.475,"end":1364.975,"sentiment":"positive","sentiment_score":0.6141237616539001},{"text":"That's okay.","start":1365.115,"end":1365.9349,"sentiment":"positive","sentiment_score":0.4337746500968933},{"text":"The only other thing to kind of point out with regard to these investment changes and these recommendations are we sort of talked through the advantages of it.","start":1366.235,"end":1373.595,"sentiment":"neutral","sentiment_score":0.18391559618924344},{"text":"It is a lower cost in investment fees, which is an advantage.","start":1373.595,"end":1377.615,"sentiment":"positive","sentiment_score":0.3624064028263092},{"text":"It's less fees.","start":1377.75,"end":1378.63,"sentiment":"positive","sentiment_score":0.3378548522790273}],"sentiment":"neutral","sentiment_score":0.2607337205630282,"num_words":46,"start":1364.475,"end":1378.63},{"sentences":[{"text":"We have more money back in your super fund than working compounding higher towards your retirement goals, which is fantastic and great.","start":1378.63,"end":1386.01,"sentiment":"positive","sentiment_score":0.6378302452239123},{"text":"We also do factor in the CDT consequences and the cost.","start":1386.31,"end":1390.87,"sentiment":"neutral","sentiment_score":0.21798790449445898},{"text":"So whenever we are switching investments, there are capital gains.","start":1390.87,"end":1394.365,"sentiment":"neutral","sentiment_score":0.15830501839518546},{"text":"So your super fund like, you do a tax return every year.","start":1394.365,"end":1396.9249,"sentiment":"neutral","sentiment_score":0.21193432870010534},{"text":"Your super fund does a tax return every year as well.","start":1396.9249,"end":1399.745,"sentiment":"neutral","sentiment_score":0.21350920064882797}],"sentiment":"positive","sentiment_score":0.34704538908871735,"num_words":66,"start":1378.63,"end":1399.745},{"sentences":[{"text":"On that investment returns page, back on that page number 13, on the top corner, you'll see it does have a figure of $617.","start":1400.605,"end":1408.69,"sentiment":"neutral","sentiment_score":0.08462092839181423},{"text":"Essentially, with them changes as per the research, we estimate the CGT consequences to be about $617.","start":1408.9099,"end":1416.0299,"sentiment":"neutral","sentiment_score":0.0443312235395698},{"text":"So very little CGT, which is great because some of those underperform those funds have been underperforming.","start":1416.0299,"end":1421.485,"sentiment":"neutral","sentiment_score":0.17172284698223367},{"text":"It's offsetting any gains to make a lot of those changes.","start":1421.785,"end":1424.665,"sentiment":"neutral","sentiment_score":-0.027125551280650226},{"text":"So it has reduced the CGT as much as possible.","start":1424.665,"end":1427.485,"sentiment":"neutral","sentiment_score":0.10745279490947723}],"sentiment":"neutral","sentiment_score":0.08202491601622558,"num_words":79,"start":1400.605,"end":1427.485},{"sentences":[{"text":"Okay?","start":1427.625,"end":1428.125,"sentiment":"neutral","sentiment_score":0.0741058811545372},{"text":"Perfect.","start":1429.305,"end":1429.805,"sentiment":"positive","sentiment_score":0.5143727660179138},{"text":"This document, that's okay.","start":1430.505,"end":1432.44,"sentiment":"neutral","sentiment_score":0.05287749320268631},{"text":"Sorry.","start":1432.44,"end":1432.94,"sentiment":"neutral","sentiment_score":-0.0003959592431783676},{"text":"This document does outline the best interest to you as well.","start":1433.24,"end":1435.96,"sentiment":"neutral","sentiment_score":0.0876969105818055}],"sentiment":"neutral","sentiment_score":0.09801437095221546,"num_words":18,"start":1427.625,"end":1435.96},{"sentences":[{"text":"We do make sure any advice provided is in your best interest.","start":1435.96,"end":1438.9199,"sentiment":"neutral","sentiment_score":0.12735303367177644},{"text":"So I have a best interest statement in each of those recommendations that you're welcome to have a read through.","start":1438.9199,"end":1443.735,"sentiment":"neutral","sentiment_score":0.11239159349352121},{"text":"It just explains essentially, basically, what I've gone through that making the changes.","start":1443.815,"end":1447.915,"sentiment":"neutral","sentiment_score":0.09460911154747009},{"text":"The newer investment portfolio has seen a greater track record.","start":1448.215,"end":1451.4349,"sentiment":"neutral","sentiment_score":0.27018961906433103},{"text":"It is lower cost, which is important, and increasing your contributions by way of salary sacrifice now as opposed to down the track has a greater projected outcome into retirement there for you.","start":1451.815,"end":1462.4,"sentiment":"neutral","sentiment_score":0.3329467913418105}],"sentiment":"neutral","sentiment_score":0.21244462532922626,"num_words":88,"start":1435.96,"end":1462.4},{"sentences":[{"text":"And the CGT is essentially offset.","start":1462.62,"end":1465.04,"sentiment":"neutral","sentiment_score":0.10656717730065186},{"text":"The CGT, we can justify because making these changes into a better portfolio, cheaper portfolio, essentially, you're saving you money.","start":1466.14,"end":1473.625,"sentiment":"neutral","sentiment_score":0.21451908387243748},{"text":"So, you know, CGT now for a better outcome and down the track, essentially, if that makes sense.","start":1473.625,"end":1479.4651,"sentiment":"neutral","sentiment_score":0.11479845042857859},{"text":"Yeah.","start":1479.4651,"end":1479.9651,"sentiment":"neutral","sentiment_score":0.10752242803573608},{"text":"Excellent.","start":1481.305,"end":1481.805,"sentiment":"positive","sentiment_score":0.5047817230224609}],"sentiment":"neutral","sentiment_score":0.16540132608750593,"num_words":46,"start":1462.62,"end":1481.805},{"sentences":[{"text":"All good.","start":1483.145,"end":1484.045,"sentiment":"neutral","sentiment_score":0.24032031744718552},{"text":"It let I'll you're right.","start":1493.5,"end":1495.26,"sentiment":"neutral","sentiment_score":0.03682223055511713},{"text":"I just have to go back into the back end system to see if I can throw that in there for you.","start":1495.26,"end":1500.525,"sentiment":"neutral","sentiment_score":0.0149586559696631},{"text":"Sorry.","start":1500.745,"end":1501.245,"sentiment":"neutral","sentiment_score":-0.021245602518320084},{"text":"Won't be two seconds.","start":1501.625,"end":1502.845,"sentiment":"neutral","sentiment_score":-0.006603963673114777}],"sentiment":"neutral","sentiment_score":0.027828845935051933,"num_words":34,"start":1483.145,"end":1502.845},{"sentences":[{"text":"Just something wrong with that one.","start":1507.4651,"end":1517.9,"sentiment":"neutral","sentiment_score":-0.10301801562309265},{"text":"Sorry.","start":1522.12,"end":1522.52,"sentiment":"neutral","sentiment_score":-0.06731456518173218},{"text":"It won't be a moment.","start":1522.52,"end":1523.4,"sentiment":"neutral","sentiment_score":-0.05398975238204003},{"text":"I'm just opening up the back end system.","start":1523.4,"end":1526.1649,"sentiment":"neutral","sentiment_score":-0.01413294579833746},{"text":"Just takes a moment.","start":1526.3049,"end":1527.5249,"sentiment":"neutral","sentiment_score":-0.007457665749825537}],"sentiment":"neutral","sentiment_score":-0.04576106875902042,"num_words":24,"start":1507.4651,"end":1527.5249},{"sentences":[{"text":"It's a little bit slow.","start":1548.53,"end":1550.0701,"sentiment":"negative","sentiment_score":-0.45115519165992735},{"text":"What I can do, if you like, is I can go back and I can just get an updated one and email it to you after the call.","start":1552.615,"end":1558.455,"sentiment":"neutral","sentiment_score":0.05001405566664679},{"text":"Is that okay?","start":1558.455,"end":1559.355,"sentiment":"neutral","sentiment_score":0.08109898120164871},{"text":"That's alright?","start":1561.415,"end":1562.235,"sentiment":"neutral","sentiment_score":0.04091671481728554},{"text":"Yeah.","start":1563.73,"end":1564.23,"sentiment":"neutral","sentiment_score":0.037290096282958984}],"sentiment":"neutral","sentiment_score":-0.012640049490026938,"num_words":39,"start":1548.53,"end":1564.23},{"sentences":[{"text":"Yeah.","start":1566.5299,"end":1566.85,"sentiment":"neutral","sentiment_score":0.057492583990097046},{"text":"That's okay.","start":1566.85,"end":1567.49,"sentiment":"neutral","sentiment_score":0.09214844554662704},{"text":"Not a problem.","start":1567.49,"end":1568.13,"sentiment":"neutral","sentiment_score":0.0359358936548233},{"text":"It's no.","start":1568.13,"end":1569.33,"sentiment":"neutral","sentiment_score":0.08031245321035385},{"text":"That's okay.","start":1569.33,"end":1569.89,"sentiment":"neutral","sentiment_score":0.20508834719657898}],"sentiment":"neutral","sentiment_score":0.09203987568616867,"num_words":10,"start":1566.5299,"end":1569.89},{"sentences":[{"text":"It's not a problem.","start":1569.89,"end":1570.61,"sentiment":"neutral","sentiment_score":0.30415262281894684},{"text":"Just taking a little bit of time to open up, and I thought it might be easier if I just run it after the call for you and email it through so you've got that to review with the documents there.","start":1570.61,"end":1578.7849,"sentiment":"neutral","sentiment_score":0.16025062941196488},{"text":"Okay.","start":1578.7849,"end":1579.2849,"sentiment":"neutral","sentiment_score":0.24178120493888855},{"text":"Beautiful.","start":1580.705,"end":1581.205,"sentiment":"positive","sentiment_score":0.6487501859664917},{"text":"Excellent.","start":1581.505,"end":1582.005,"sentiment":"positive","sentiment_score":0.46571338176727295}],"sentiment":"neutral","sentiment_score":0.19048189728831252,"num_words":48,"start":1569.89,"end":1582.005},{"sentences":[{"text":"No worries at all.","start":1582.3049,"end":1583.845,"sentiment":"neutral","sentiment_score":0.22360729798674583},{"text":"The second recommendations in there again are with the salary sacrifice.","start":1584.385,"end":1587.6649,"sentiment":"neutral","sentiment_score":0.0997123352505944},{"text":"We do have a bit of table that essentially shows your current position with no salary sacrifice and the proposed increase in the salary sacrifice position there.","start":1587.6649,"end":1596.03,"sentiment":"neutral","sentiment_score":0.1368268675826214},{"text":"And it shows the difference in contributions and the difference for sales tax is a pretax contribution, so it helps to reduce the income tax, which is a benefit.","start":1596.17,"end":1603.87,"sentiment":"neutral","sentiment_score":0.1872666036260539},{"text":"It does, however, reduce your take home pay as well, so there's also that disadvantage for doing it.","start":1604.465,"end":1610.0651,"sentiment":"neutral","sentiment_score":-0.1375217530876398}],"sentiment":"neutral","sentiment_score":0.09708910397766682,"num_words":89,"start":1582.3049,"end":1610.0651},{"sentences":[{"text":"Okay?","start":1610.0651,"end":1610.5651,"sentiment":"neutral","sentiment_score":-0.053653884679079056},{"text":"So because it's, yeah, because it's at it's a pretax deduction out of your income, it doesn't really have any deductions that you can add at tax time, unfortunately, but it does reduce the income tax that you are paying out of your income on a regular basis.","start":1614.225,"end":1630.625,"sentiment":"neutral","sentiment_score":-0.004599371148894231},{"text":"So we estimate with increasing the salary sacrifice or adding the sales back at $150, the net saving of tax is about $18.72.","start":1630.685,"end":1640.045,"sentiment":"neutral","sentiment_score":0.08408561883413274},{"text":"That's the difference between the tax you pay inside super to the tax you you would have paid outside of super.","start":1640.045,"end":1646.25,"sentiment":"neutral","sentiment_score":0.06388986536434718},{"text":"So, you know, $1,800 tax difference on net tax saving isn't too bad as well.","start":1646.25,"end":1651.39,"sentiment":"neutral","sentiment_score":0.12305551916360855}],"sentiment":"neutral","sentiment_score":0.04488023605059694,"num_words":108,"start":1610.0651,"end":1651.39},{"sentences":[{"text":"Sorry, Eladie.","start":1671.32,"end":1672.12,"sentiment":"neutral","sentiment_score":-0.25119832158088684},{"text":"I don't quite think I don't understand.","start":1672.12,"end":1674.14,"sentiment":"neutral","sentiment_score":-0.29370379873684477},{"text":"Can you repeat that?","start":1674.2,"end":1675.0,"sentiment":"neutral","sentiment_score":-0.18763521313667297},{"text":"I'm so sorry.","start":1675.0,"end":1675.82,"sentiment":"neutral","sentiment_score":-0.13637367884318033},{"text":"Yep.","start":1681.655,"end":1682.155,"sentiment":"neutral","sentiment_score":0.07189921289682388}],"sentiment":"neutral","sentiment_score":-0.21447564179406448,"num_words":17,"start":1671.32,"end":1682.155},{"sentences":[{"text":"Right.","start":1686.295,"end":1686.795,"sentiment":"neutral","sentiment_score":0.0838467925786972},{"text":"Yep.","start":1688.615,"end":1689.115,"sentiment":"neutral","sentiment_score":0.1784309148788452},{"text":"Mhmm.","start":1700.4701,"end":1700.9501,"sentiment":"neutral","sentiment_score":0.10857835412025452},{"text":"Mhmm.","start":1700.9501,"end":1701.4501,"sentiment":"neutral","sentiment_score":0.098137766122818},{"text":"It okay.","start":1714.5651,"end":1715.365,"sentiment":"neutral","sentiment_score":0.06787237524986267}],"sentiment":"neutral","sentiment_score":0.10078976303339005,"num_words":6,"start":1686.295,"end":1715.365},{"sentences":[{"text":"I was you don't actually have any income protection on here, and the only sort of income protection that really provides any benefit with your income is income protection.","start":1715.365,"end":1722.9501,"sentiment":"neutral","sentiment_score":-0.12746246313226633},{"text":"So the yes.","start":1723.0901,"end":1725.0901,"sentiment":"neutral","sentiment_score":-0.11291672786076863},{"text":"No.","start":1725.0901,"end":1725.25,"sentiment":"neutral","sentiment_score":-0.10351233184337616},{"text":"That's okay.","start":1725.25,"end":1725.99,"sentiment":"neutral","sentiment_score":-0.04564430192112923},{"text":"Your health insurance.","start":1731.3451,"end":1732.405,"sentiment":"neutral","sentiment_score":-0.04586649810274442}],"sentiment":"neutral","sentiment_score":-0.1149358432739973,"num_words":38,"start":1715.365,"end":1732.405},{"sentences":[{"text":"Got you.","start":1732.7051,"end":1733.265,"sentiment":"neutral","sentiment_score":-0.009868538938462734},{"text":"So sorry.","start":1733.265,"end":1734.0851,"sentiment":"neutral","sentiment_score":-0.0671323649585247},{"text":"Good.","start":1735.3451,"end":1735.665,"sentiment":"neutral","sentiment_score":-0.03407509997487068},{"text":"No.","start":1735.665,"end":1735.905,"sentiment":"neutral","sentiment_score":-0.1247931346297264},{"text":"That's okay.","start":1735.905,"end":1736.7251,"sentiment":"neutral","sentiment_score":-0.05827086791396141}],"sentiment":"neutral","sentiment_score":-0.05367647227831185,"num_words":8,"start":1732.7051,"end":1736.7251},{"sentences":[{"text":"So if you are you sort of saying that you're decreasing or canceling your health insurance?","start":1737.425,"end":1742.165,"sentiment":"neutral","sentiment_score":-0.10221914225257933},{"text":"Yeah.","start":1745.2201,"end":1745.4601,"sentiment":"neutral","sentiment_score":-0.0295752864331007},{"text":"Right.","start":1745.4601,"end":1745.9601,"sentiment":"neutral","sentiment_score":-0.04560872167348862},{"text":"More levy.","start":1749.54,"end":1750.52,"sentiment":"neutral","sentiment_score":-0.15113697201013565},{"text":"Yes.","start":1750.74,"end":1751.24,"sentiment":"neutral","sentiment_score":0.03185243904590607}],"sentiment":"neutral","sentiment_score":-0.0943386566248678,"num_words":21,"start":1737.425,"end":1751.24},{"sentences":[{"text":"Not really.","start":1767.3949,"end":1768.52,"sentiment":"neutral","sentiment_score":-0.14019548147916794},{"text":"So your assessable taxable income works on your what you earn from your employer plus your contributions in the super.","start":1769.06,"end":1776.5,"sentiment":"neutral","sentiment_score":-0.008813017234206199},{"text":"So it's it's not really gonna change the advantage in any way.","start":1776.5,"end":1780.8201,"sentiment":"neutral","sentiment_score":-0.17681799518565336},{"text":"You would still need to keep your health insurance at the same level as what you have.","start":1780.8201,"end":1784.8351,"sentiment":"neutral","sentiment_score":0.003407205838490935},{"text":"Does that make sense?","start":1784.8351,"end":1785.635,"sentiment":"neutral","sentiment_score":0.015354291535913944}],"sentiment":"neutral","sentiment_score":-0.04471141062676907,"num_words":55,"start":1767.3949,"end":1785.635},{"sentences":[{"text":"I'm so sorry I misinterpreted that for you.","start":1785.635,"end":1788.275,"sentiment":"neutral","sentiment_score":-0.2778212372213602},{"text":"Sorry about that.","start":1788.275,"end":1789.3351,"sentiment":"neutral","sentiment_score":-0.10572527348995209},{"text":"No.","start":1790.995,"end":1791.3151,"sentiment":"neutral","sentiment_score":-0.07213029265403748},{"text":"You're fine.","start":1791.3151,"end":1792.055,"sentiment":"neutral","sentiment_score":-0.035470771603286266},{"text":"Yeah.","start":1792.355,"end":1792.855,"sentiment":"neutral","sentiment_score":-0.00035745836794376373}],"sentiment":"neutral","sentiment_score":-0.17887833416461946,"num_words":15,"start":1785.635,"end":1792.855},{"sentences":[{"text":"Yeah.","start":1795.3301,"end":1795.65,"sentiment":"neutral","sentiment_score":0.0001766253262758255},{"text":"No.","start":1795.65,"end":1795.89,"sentiment":"neutral","sentiment_score":-0.07447592914104462},{"text":"That's okay.","start":1795.89,"end":1796.53,"sentiment":"neutral","sentiment_score":-0.03112190030515194},{"text":"So sorry I misinterpreted that for you, Ladia.","start":1796.53,"end":1799.0901,"sentiment":"neutral","sentiment_score":-0.11943360976874828},{"text":"That's not I'm glad we got to the bottom of that one.","start":1799.0901,"end":1802.2101,"sentiment":"neutral","sentiment_score":0.07572599810858567}],"sentiment":"neutral","sentiment_score":-0.007637500219667952,"num_words":24,"start":1795.3301,"end":1802.2101},{"sentences":[{"text":"But, yeah, look, honestly, your your total assessable taxable income considers everything, your contributions in the super as well as what you earn from your employer.","start":1802.2101,"end":1810.79,"sentiment":"neutral","sentiment_score":0.06568997525251828},{"text":"That's what goes on your assessable income at the end of the financial year.","start":1811.155,"end":1814.355,"sentiment":"neutral","sentiment_score":0.0003563194934810911},{"text":"So you'll still need to keep your private health insurance at the current level to to get the advantage of that, unfortunately, because it's expensive, isn't it, your private health insurance?","start":1814.355,"end":1823.335,"sentiment":"neutral","sentiment_score":-0.11532180660193966},{"text":"Pay the levy.","start":1832.37,"end":1833.19,"sentiment":"neutral","sentiment_score":-0.11655208716789882},{"text":"Yes.","start":1834.5299,"end":1835.0299,"sentiment":"neutral","sentiment_score":0.007600918412208557}],"sentiment":"neutral","sentiment_score":-0.029388046910365423,"num_words":75,"start":1802.2101,"end":1835.0299},{"sentences":[{"text":"Absolutely.","start":1835.49,"end":1835.99,"sentiment":"neutral","sentiment_score":0.1434783786535263},{"text":"I I understand.","start":1836.1299,"end":1837.4299,"sentiment":"neutral","sentiment_score":0.11092311640580495},{"text":"I'd rather pay for my private health insurance than pay the extra Medicare levy.","start":1837.49,"end":1841.095,"sentiment":"neutral","sentiment_score":0.005834051008735385},{"text":"I do agree with you on that.","start":1841.095,"end":1842.455,"sentiment":"neutral","sentiment_score":0.13246701657772064},{"text":"Yep.","start":1842.455,"end":1842.955,"sentiment":"neutral","sentiment_score":0.11441497504711153}],"sentiment":"neutral","sentiment_score":0.061523405118630484,"num_words":26,"start":1835.49,"end":1842.955},{"sentences":[{"text":"No.","start":1843.895,"end":1844.375,"sentiment":"neutral","sentiment_score":0.0708080530166626},{"text":"All good.","start":1844.375,"end":1845.115,"sentiment":"neutral","sentiment_score":0.18189578503370285},{"text":"The only other part of the recommendation there is to look at your to look at your beneficiary nominations here.","start":1845.575,"end":1855.37,"sentiment":"neutral","sentiment_score":0.031948390789330004},{"text":"Yeah.","start":1856.55,"end":1856.95,"sentiment":"neutral","sentiment_score":0.10848182439804076},{"text":"So what I'm actually recommending is that we do nominate an your LPR, your legal personal representative.","start":1856.95,"end":1863.29,"sentiment":"neutral","sentiment_score":0.10895082946209346}],"sentiment":"neutral","sentiment_score":0.07400520400303166,"num_words":41,"start":1843.895,"end":1863.29},{"sentences":[{"text":"That essentially means that in the event of passing around I do apologize.","start":1864.085,"end":1867.205,"sentiment":"neutral","sentiment_score":0.04943917290522502},{"text":"I'm gonna update this document slightly because it looks like my power plan has just not nominated all of the individuals, but we actually need to nominate your LPR or legal personal representative.","start":1867.205,"end":1878.185,"sentiment":"neutral","sentiment_score":0.06013954080867045},{"text":"This essentially means that in the event of you passing away, your super benefit as well as your life insurance gets paid to your will.","start":1878.27,"end":1885.73,"sentiment":"neutral","sentiment_score":0.2538108628988266},{"text":"It goes to your estate.","start":1885.79,"end":1887.17,"sentiment":"neutral","sentiment_score":0.33150660395622256},{"text":"And then under your will, you can then nominate your partner, your daughter, and your brother to have an equal split and have everything combined and then split between them as more of a fair nomination.","start":1887.47,"end":1898.8151,"sentiment":"positive","sentiment_score":0.3370230984356668}],"sentiment":"neutral","sentiment_score":0.2032406270570521,"num_words":112,"start":1864.085,"end":1898.8151},{"sentences":[{"text":"Okay?","start":1899.3551,"end":1899.8551,"sentiment":"neutral","sentiment_score":0.15169110894203186},{"text":"Yeah.","start":1900.9551,"end":1901.4551,"sentiment":"neutral","sentiment_score":0.06778562068939209},{"text":"I did just notice a slight error in this document.","start":1901.8351,"end":1903.995,"sentiment":"neutral","sentiment_score":-0.14474628679454327},{"text":"I'm gonna have this updated and resent to you shortly, and I'll add the extra projections in there for you as well.","start":1903.995,"end":1910.2,"sentiment":"neutral","sentiment_score":0.002569116313349117},{"text":"Yeah.","start":1914.02,"end":1914.52,"sentiment":"neutral","sentiment_score":-0.04949138313531875}],"sentiment":"neutral","sentiment_score":-0.03488448464444705,"num_words":35,"start":1899.3551,"end":1914.52},{"sentences":[{"text":"Yes.","start":1916.26,"end":1916.74,"sentiment":"neutral","sentiment_score":-0.03024422749876976},{"text":"So sorry.","start":1916.74,"end":1917.48,"sentiment":"neutral","sentiment_score":-0.0901162326335907},{"text":"No.","start":1921.235,"end":1921.475,"sentiment":"neutral","sentiment_score":-0.1377333253622055},{"text":"I know.","start":1921.475,"end":1921.875,"sentiment":"neutral","sentiment_score":-0.13043101504445076},{"text":"I'm so sorry.","start":1921.875,"end":1922.775,"sentiment":"neutral","sentiment_score":-0.1304245243469874}],"sentiment":"neutral","sentiment_score":-0.11114951347311337,"num_words":9,"start":1916.26,"end":1922.775},{"sentences":[{"text":"I saw that typo, and I was like, no.","start":1922.8351,"end":1924.915,"sentiment":"neutral","sentiment_score":-0.12962637427780363},{"text":"We'll update that for you.","start":1924.915,"end":1926.355,"sentiment":"neutral","sentiment_score":0.0074659381993114945},{"text":"What is your brother's name, if it's okay?","start":1926.355,"end":1928.615,"sentiment":"neutral","sentiment_score":-0.08198695722967386},{"text":"Yeah.","start":1933.89,"end":1934.2101,"sentiment":"neutral","sentiment_score":0.02355874702334404},{"text":"In your will, you would actually nominate the name of everyone.","start":1934.2101,"end":1937.3501,"sentiment":"neutral","sentiment_score":0.08468773148276589}],"sentiment":"neutral","sentiment_score":-0.024414104176685214,"num_words":34,"start":1922.8351,"end":1937.3501},{"sentences":[{"text":"This is just kind of nominating how you wanted things, but I'm happy to update that with your brother's name.","start":1937.49,"end":1943.5701,"sentiment":"neutral","sentiment_score":0.19507721923291682},{"text":"What how do you spell his name, and what is his name?","start":1943.5701,"end":1946.015,"sentiment":"neutral","sentiment_score":0.003679992708687981},{"text":"Sorry.","start":1946.015,"end":1946.515,"sentiment":"neutral","sentiment_score":-0.02123231813311577},{"text":"Yep.","start":1949.215,"end":1949.715,"sentiment":"neutral","sentiment_score":0.004859068896621466},{"text":"Okay.","start":1951.855,"end":1952.355,"sentiment":"neutral","sentiment_score":-0.000354778952896595}],"sentiment":"neutral","sentiment_score":0.11225646482780575,"num_words":35,"start":1937.49,"end":1952.355},{"sentences":[{"text":"Yep.","start":1955.295,"end":1955.795,"sentiment":"neutral","sentiment_score":0.006028930656611919},{"text":"Beautiful.","start":1957.0701,"end":1957.5701,"sentiment":"positive","sentiment_score":0.4489298462867737},{"text":"Lovely.","start":1957.87,"end":1958.37,"sentiment":"positive","sentiment_score":0.45143309235572815},{"text":"And her surname is the same as yours, Villa 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r?","start":1969.405,"end":1973.745,"sentiment":"neutral","sentiment_score":0.004755344044846984}],"sentiment":"neutral","sentiment_score":0.033422784071744364,"num_words":17,"start":1962.75,"end":1973.745},{"sentences":[{"text":"Yep.","start":1975.0851,"end":1975.5851,"sentiment":"neutral","sentiment_score":0.2586335837841034},{"text":"Beautiful.","start":1975.645,"end":1976.145,"sentiment":"positive","sentiment_score":0.7700077295303345},{"text":"Lovely.","start":1976.285,"end":1976.685,"sentiment":"positive","sentiment_score":0.7371411919593811},{"text":"I will have that section updated for you because just looked at that and went, yeah, that's not what it's supposed to say.","start":1976.685,"end":1983.28,"sentiment":"neutral","sentiment_score":0.209255019283813},{"text":"I will go back and update that, have it resent through to you, and I'll get an updated projection sent through as well just showing you the conservative projection within creating that one seventy for you.","start":1983.8201,"end":1995.915,"sentiment":"neutral","sentiment_score":0.17210279322332805}],"sentiment":"neutral","sentiment_score":0.206037879110344,"num_words":62,"start":1975.0851,"end":1995.915},{"sentences":[{"text":"Okay?","start":1996.155,"end":1996.655,"sentiment":"neutral","sentiment_score":0.060089386999607086},{"text":"Yeah.","start":1999.1951,"end":1999.6951,"sentiment":"neutral","sentiment_score":0.03837426006793976},{"text":"Yep.","start":2001.115,"end":2001.615,"sentiment":"neutral","sentiment_score":0.007589300163090229},{"text":"Yeah.","start":2012.01,"end":2012.51,"sentiment":"neutral","sentiment_score":-0.029528675600886345},{"text":"Yeah.","start":2014.17,"end":2014.67,"sentiment":"neutral","sentiment_score":-0.07937592267990112}],"sentiment":"neutral","sentiment_score":-0.0005703302100300789,"num_words":5,"start":1996.155,"end":2014.67},{"sentences":[{"text":"No.","start":2017.13,"end":2017.63,"sentiment":"neutral","sentiment_score":-0.15370258688926697},{"text":"Not at all.","start":2018.3301,"end":2018.9701,"sentiment":"neutral","sentiment_score":-0.12507968147595724},{"text":"You've been busy.","start":2018.9701,"end":2020.03,"sentiment":"neutral","sentiment_score":-0.20808646579583487},{"text":"No.","start":2020.7301,"end":2021.2301,"sentiment":"neutral","sentiment_score":-0.1427043974399567},{"text":"It's all good.","start":2022.035,"end":2022.995,"sentiment":"neutral","sentiment_score":-0.02731792877117793}],"sentiment":"neutral","sentiment_score":-0.12525992840528488,"num_words":11,"start":2017.13,"end":2022.995},{"sentences":[{"text":"So what we'll do is we will update with you and help you with the binding nominations for hub 24 and Tau.","start":2022.995,"end":2029.495,"sentiment":"neutral","sentiment_score":0.1401884320446036},{"text":"We essentially just have to tick a box that says legal personal representative or LPR.","start":2029.5549,"end":2034.0549,"sentiment":"neutral","sentiment_score":0.05319091031948726},{"text":"That essentially means that on your super and your life insurance cover, if anything happens, it all gets paid to your estate.","start":2034.9199,"end":2042.5399,"sentiment":"neutral","sentiment_score":0.06736473806879738},{"text":"That is what we do on this end.","start":2042.84,"end":2044.36,"sentiment":"neutral","sentiment_score":0.06176941841840744},{"text":"The next part is that you do need to speak to a solicitor, and we can refer I mean, it's me send you to a referral for one.","start":2044.36,"end":2050.455,"sentiment":"neutral","sentiment_score":0.03634620551019907}],"sentiment":"neutral","sentiment_score":0.07237771051494699,"num_words":95,"start":2022.995,"end":2050.455},{"sentences":[{"text":"Or we can just send you the information on a solicitor and you're able to contact them, or we can resend the referral to them on your behalf and have them contact you.","start":2050.7751,"end":2058.715,"sentiment":"neutral","sentiment_score":0.06790212745016272},{"text":"It's completely up to you.","start":2058.855,"end":2060.375,"sentiment":"neutral","sentiment_score":-0.00663946196436882},{"text":"I'll you're right.","start":2060.375,"end":2061.335,"sentiment":"neutral","sentiment_score":-0.05761812503139178},{"text":"Sorry?","start":2061.335,"end":2061.835,"sentiment":"neutral","sentiment_score":-0.09664362668991087},{"text":"Yeah.","start":2064.07,"end":2064.57,"sentiment":"neutral","sentiment_score":-0.10031553357839584}],"sentiment":"neutral","sentiment_score":0.04273858978304752,"num_words":43,"start":2050.7751,"end":2064.57},{"sentences":[{"text":"Yeah.","start":2071.1099,"end":2071.59,"sentiment":"neutral","sentiment_score":0.24503910541534424},{"text":"Completely understand.","start":2071.59,"end":2072.81,"sentiment":"positive","sentiment_score":0.49343764781951904},{"text":"Not a worry at all.","start":2073.1099,"end":2074.485,"sentiment":"neutral","sentiment_score":0.2184013694524765},{"text":"So what we'll do is we'll send the referral 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will.","start":2109.395,"end":2114.615,"sentiment":"neutral","sentiment_score":0.028287963157421665},{"text":"Does that make sense?","start":2114.7551,"end":2115.895,"sentiment":"neutral","sentiment_score":0.02631972124800086},{"text":"Yeah.","start":2116.435,"end":2116.935,"sentiment":"neutral","sentiment_score":0.2971617877483368}],"sentiment":"neutral","sentiment_score":0.03303682617843151,"num_words":34,"start":2106.355,"end":2116.935},{"sentences":[{"text":"Beautiful.","start":2118.115,"end":2118.615,"sentiment":"positive","sentiment_score":0.7141388654708862},{"text":"So what I'll do is I'll go back and update this page there for you.","start":2119.1199,"end":2122.32,"sentiment":"neutral","sentiment_score":0.17740559577941895},{"text":"I'll get an updated projection.","start":2122.32,"end":2123.78,"sentiment":"neutral","sentiment_score":0.1180616408586502},{"text":"I'll do the conservative projection and send that through with all of this for you shortly so you have it there to have a look at.","start":2123.92,"end":2129.8599,"sentiment":"neutral","sentiment_score":0.19418073158997756},{"text":"And then what we'll do is once you're comfortable with it, have a read Let me know if there's any questions you have.","start":2130.56,"end":2136.175,"sentiment":"neutral","sentiment_score":0.10923762749070706}],"sentiment":"neutral","sentiment_score":0.16466707800115857,"num_words":70,"start":2118.115,"end":2136.175},{"sentences":[{"text":"You sign it all, send it back to us, and we'll start by getting the sales tax letter ready for you.","start":2136.875,"end":2141.435,"sentiment":"neutral","sentiment_score":0.12324550251166026},{"text":"If you wanna increase the $1.70, just make a note on the very last page.","start":2141.435,"end":2145.035,"sentiment":"neutral","sentiment_score":0.09395962556203206},{"text":"You'll have a little section with a text box where you can make any alterations to the 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sense?","start":2162.125,"end":2163.345,"sentiment":"neutral","sentiment_score":0.08169426769018173}],"sentiment":"neutral","sentiment_score":0.11225228226217239,"num_words":92,"start":2136.875,"end":2163.345},{"sentences":[{"text":"Yeah.","start":2165.005,"end":2165.505,"sentiment":"neutral","sentiment_score":0.15690866112709043},{"text":"Beautiful.","start":2165.7249,"end":2166.2249,"sentiment":"positive","sentiment_score":0.5694376230239868},{"text":"Beautiful.","start":2166.6848,"end":2167.1848,"sentiment":"positive","sentiment_score":0.5579248070716858},{"text":"All good.","start":2167.805,"end":2168.545,"sentiment":"positive","sentiment_score":0.4509540945291519},{"text":"The only other thing to let the only other thing is on page 35 no.","start":2169.085,"end":2172.9248,"sentiment":"neutral","sentiment_score":-0.023900900036096573}],"sentiment":"neutral","sentiment_score":0.09138328898698092,"num_words":20,"start":2165.005,"end":2172.9248},{"sentences":[{"text":"You are fine.","start":2172.9248,"end":2173.825,"sentiment":"neutral","sentiment_score":0.0621134489774704},{"text":"Is the remuneration side of things.","start":2174.36,"end":2176.04,"sentiment":"neutral","sentiment_score":0.12355207030971845},{"text":"So there's no upfront or implementation for the advice.","start":2176.04,"end":2178.84,"sentiment":"neutral","sentiment_score":0.09809991344809532},{"text":"We do call this complimentary because you're an ongoing service client.","start":2178.84,"end":2181.6401,"sentiment":"neutral","sentiment_score":0.26549815318801184},{"text":"We wanna review things with you.","start":2181.6401,"end":2183.5,"sentiment":"neutral","sentiment_score":0.24477922916412354}],"sentiment":"neutral","sentiment_score":0.1771344871393272,"num_words":35,"start":2172.9248,"end":2183.5},{"sentences":[{"text":"I can make a note here that you want a six monthly catch up, and we can talk about things every six months as well as do your annual review there for you.","start":2183.72,"end":2191.2751,"sentiment":"neutral","sentiment_score":0.15936356421672937},{"text":"But this outlines the ongoing service fee you are currently on with us.","start":2191.495,"end":2195.495,"sentiment":"neutral","sentiment_score":0.07139832698381864},{"text":"And it also notes there that with your TAL insurances, we do receive ongoing remuneration for them.","start":2195.495,"end":2200.2952,"sentiment":"neutral","sentiment_score":0.07517290882327977},{"text":"So it's just disclosing how much we receive from TAL for your policies.","start":2200.2952,"end":2204.2798,"sentiment":"neutral","sentiment_score":0.03710185449856978},{"text":"Okay?","start":2204.74,"end":2205.24,"sentiment":"neutral","sentiment_score":0.04017377644777298}],"sentiment":"neutral","sentiment_score":0.10373523642683959,"num_words":77,"start":2183.72,"end":2205.24},{"sentences":[{"text":"Excellent.","start":2207.8599,"end":2208.3599,"sentiment":"neutral","sentiment_score":0.3205162286758423},{"text":"Not a worry.","start":2208.98,"end":2209.88,"sentiment":"neutral","sentiment_score":0.03125130198895931},{"text":"That's that's the dollar figure amount based on the current balance.","start":2213.5398,"end":2217.14,"sentiment":"neutral","sentiment_score":0.006012616001746871},{"text":"Yeah.","start":2217.14,"end":2217.46,"sentiment":"neutral","sentiment_score":0.041479311883449554},{"text":"Yeah.","start":2217.46,"end":2217.8599,"sentiment":"neutral","sentiment_score":0.05110697448253632}],"sentiment":"neutral","sentiment_score":0.033705599825171864,"num_words":17,"start":2207.8599,"end":2217.8599},{"sentences":[{"text":"So you pay 1.65% on a yearly basis, and the idea is it fluctuates with the market.","start":2217.8599,"end":2223.505,"sentiment":"neutral","sentiment_score":0.05892090762362761},{"text":"So based on the current balance, this is the estimated amount for the year.","start":2223.505,"end":2227.125,"sentiment":"neutral","sentiment_score":0.06633707801146167},{"text":"And with your account insurances, we receive 23% ongoing of the premium.","start":2227.505,"end":2232.325,"sentiment":"neutral","sentiment_score":0.07315338837603728},{"text":"So we expect it to be about $7.24 this year.","start":2232.545,"end":2235.7998,"sentiment":"neutral","sentiment_score":0.0481579277664423},{"text":"However, our advice is meant to be in best interest and working towards your goals.","start":2236.0999,"end":2240.5,"sentiment":"neutral","sentiment_score":0.19330119664470355}],"sentiment":"neutral","sentiment_score":0.091019300141317,"num_words":68,"start":2217.8599,"end":2240.5},{"sentences":[{"text":"So at any point, if you ring means that I need to increase or decrease or alter the insurances, we would do so because that's part of your goal.","start":2240.5,"end":2247.2998,"sentiment":"neutral","sentiment_score":0.009930138957911524},{"text":"It has no know, it doesn't matter to us what the remuneration component is.","start":2247.2998,"end":2251.3352,"sentiment":"neutral","sentiment_score":-0.05229196577732052},{"text":"We just need to disclose to you the remuneration we received from the insurer for that.","start":2251.3352,"end":2256.155,"sentiment":"neutral","sentiment_score":-0.0020502124971244484},{"text":"Okay?","start":2256.215,"end":2256.715,"sentiment":"neutral","sentiment_score":0.03248327225446701},{"text":"All good.","start":2258.2952,"end":2259.0352,"sentiment":"positive","sentiment_score":0.40994490683078766}],"sentiment":"neutral","sentiment_score":0.006055745078370937,"num_words":62,"start":2240.5,"end":2259.0352},{"sentences":[{"text":"Yeah.","start":2260.47,"end":2260.97,"sentiment":"neutral","sentiment_score":0.15248867869377136},{"text":"Absolutely.","start":2265.03,"end":2265.53,"sentiment":"neutral","sentiment_score":-0.2690768837928772},{"text":"Yeah.","start":2267.19,"end":2267.69,"sentiment":"neutral","sentiment_score":-0.20116528868675232},{"text":"Absolutely.","start":2269.19,"end":2269.69,"sentiment":"neutral","sentiment_score":0.11981244385242462},{"text":"Absolutely.","start":2270.07,"end":2270.57,"sentiment":"neutral","sentiment_score":0.12258896231651306}],"sentiment":"neutral","sentiment_score":-0.015070417523384094,"num_words":5,"start":2260.47,"end":2270.57},{"sentences":[{"text":"Look.","start":2270.71,"end":2271.03,"sentiment":"neutral","sentiment_score":-0.008333786390721798},{"text":"There is a bit of volatility out there.","start":2271.03,"end":2272.71,"sentiment":"neutral","sentiment_score":-0.2640908248722553},{"text":"So this year could be a little bit bumpy, but we'll just keep in contact, keep seeing what's happening, and, you know, start that sales back and get those contributions in.","start":2272.71,"end":2280.605,"sentiment":"neutral","sentiment_score":0.07758704332574722},{"text":"We'll take advantage of the volatility that we are seeing at the moment.","start":2280.605,"end":2283.905,"sentiment":"neutral","sentiment_score":0.054255846314705335},{"text":"Okay?","start":2283.965,"end":2284.465,"sentiment":"neutral","sentiment_score":0.22283923625946045}],"sentiment":"neutral","sentiment_score":0.022450059186667204,"num_words":54,"start":2270.71,"end":2284.465},{"sentences":[{"text":"All good.","start":2286.5251,"end":2287.2651,"sentiment":"positive","sentiment_score":0.3509662300348282},{"text":"Thanks so much, Eladio.","start":2287.3252,"end":2288.605,"sentiment":"positive","sentiment_score":0.7820930182933807},{"text":"I'll get that updated and resend to you shortly.","start":2288.605,"end":2290.7651,"sentiment":"positive","sentiment_score":0.512015183766683},{"text":"If you have any questions, please let me know at any point.","start":2290.7651,"end":2293.29,"sentiment":"neutral","sentiment_score":0.24707144871354103},{"text":"As soon as it comes through with a new email, you'll know it's all been updated for you, and I'll attach the updated projections as well.","start":2293.29,"end":2299.61,"sentiment":"positive","sentiment_score":0.3378552290109488}],"sentiment":"positive","sentiment_score":0.3808968778488771,"num_words":53,"start":2286.5251,"end":2299.61},{"sentences":[{"text":"Okay?","start":2299.61,"end":2300.11,"sentiment":"neutral","sentiment_score":0.2292681187391281},{"text":"Alright.","start":2303.865,"end":2304.365,"sentiment":"neutral","sentiment_score":0.1373898684978485},{"text":"No worries.","start":2305.865,"end":2306.685,"sentiment":"neutral","sentiment_score":0.2138328179717064},{"text":"Not a problem.","start":2306.825,"end":2307.545,"sentiment":"positive","sentiment_score":0.4638030429681142},{"text":"I appreciate your time, Celadie.","start":2307.545,"end":2309.165,"sentiment":"positive","sentiment_score":0.7279637217521667}],"sentiment":"positive","sentiment_score":0.48546261340379715,"num_words":12,"start":2299.61,"end":2309.165},{"sentences":[{"text":"Thank you so much.","start":2309.385,"end":2310.5051,"sentiment":"positive","sentiment_score":0.8248963207006454},{"text":"I hope you have a good afternoon.","start":2310.5051,"end":2311.965,"sentiment":"positive","sentiment_score":0.7744773370879037},{"text":"Thank you.","start":2314.025,"end":2314.665,"sentiment":"positive","sentiment_score":0.5043525695800781},{"text":"See you later.","start":2314.665,"end":2315.465,"sentiment":"positive","sentiment_score":0.36541439096132916},{"text":"Bye.","start":2315.465,"end":2315.965,"sentiment":"neutral","sentiment_score":0.2055029571056366}],"sentiment":"positive","sentiment_score":0.6489045830333934,"num_words":17,"start":2309.385,"end":2315.965}]}}]},{"alternatives":[{"transcript":"Hello? Hello? Good. How are you, Dana? Yep. Yeah. Very good, actually. Yeah. Yep. Yep. I can, but I'm looking at it on a on a small phone. So you can send it across, but I won't be able to look at it fully until later on. Yep. Yep. Okay. Okay. Yep. That sounds good. Yeah. Sure. Yeah. Eladio Villaflor, '20 April, and it's on 25 Coburn Road, South Fremantle, WA 616 two. Mhmm. Yep. Yep. Yep. That's right. Okay. Yep. Okay. Yep. Yep. Yep. Yep. Okay. Yep. Perfect. Fantastic. Mhmm. Okay. Mhmm. Yeah. Yep. Mhmm. Yeah. Mhmm. Yeah. Is that a statement of advice by any chance? Yeah. Okay. Let me have a look here to see if it is. Yeah. It it sounds like I mean, it sounds like a solid decision on that one. Again, just based on the geopolitical, I mean, guess what's happening right now with the war, I'm probably going to lean more into something more stable. Something something that I I won't be able to lose my my investments overnight. Mhmm. Yeah. Yep. 19. Yeah. Go for it. Go for it. Mhmm. Yeah. Mhmm. Yeah. Great. Yep. Mhmm. Yep. Okay. Okay. Now may I ask you, what's if you're going to take up this stuff in a portfolio, right, I mean, you could see already been along. Equicent is my largest one down here. What what are you going to use those funds and allocate those to? I see. Mhmm. That's right. Okay. Yep. Yep. Yep. Yeah. Now is in this PDF there, is is it laid out exactly where where you're reallocating? I mean, obviously, the next big one is the Vanguard Divisional Conservative. What else here? It's the ISH Asia. And I I mean, I agree with the battery tech also. Right now, lithium is not producing. It's down. So I just just wanna find out how what are you gonna reallocate those two so that we I can get the most out of my the money on anything. So Yes. Mhmm. Okay. Yep. It does. It does. Yep. Yeah. I'm I'm with the price of it, that's that's coming up down there. I mean, you can see already it's just ridiculous, and that's gone up a lot. Yeah. Mhmm. Yep. Mhmm. Okay. Yep. Yes. Yep. Yep. Okay. Yep. Just out of curiosity, obviously, is this port I I think, yeah, we did. If this is reviewed every single year, right, or it can can it be reviewed every single six months or three months to see how it's performing and then pick yeah. Okay. Great. No. No. Okay. Yeah. I'd like that. Again, I I wanna continue to adjust it so I get the maximum amount out of of my investments right now. Right? Since I have it's not a lot huge, but if I start if I work right now and just continue reviewing it to see how it's performing, then hopefully, by the end of the year, we'll at least get it closer to to 2 2 100 instead of instead of it's a bit static. If you notice, I mean, my investment has has just been it's just been like a bear. Just, like, jumping up and down within within the $1.70 mark. Right? And I wanna see if I could improve that. Yeah. Mhmm. Okay. Mhmm. Okay. Mhmm. Yeah. Yeah. Yep. Okay. So okay. So the question is, do I just need to go through my my employer to basically ask for salary sacrifice to this amount by any chance? How does that work then? Yep. Yes. Okay. So I've got two scenarios here. Okay? So with with with the $150 a week salary sacrifice, what what are the analytics in seven years' time, let's just say, that's projected? So you're saying around close to $370,000 to $500,000 depending on what the market dictates? I see. Yep. Yep. Yep. Right. Yep. Yep. Yep. Yes. So I'm just calculating here. So one that's basically $600, right, a month times 12. So 7,200 a year times, let's say, seven years, $50,000. Now what if I were to increase that to a $175 a week times four? Yeah. That's correct. Yep. Yeah. Yep. So yeah. That's the thing, though. Yep. Oh, okay. Yep. Yep. Yep. Yeah. Yep. Yep. Yeah. We can't change it though at at the end of the at the, like, let's say in six months time, we could catch up and say, hey. It's it's chewing in too much into my salary. But currently right now, I'm I'm quite comfortable with that amount. So, yeah, that'd be good. Can you draft with me a letter by chance and just so I can present this to my HR? Okay. Yep. Okay. No worries. No worries. Oh, yep. Sounds good. Fantastic. Okay. Okay. Yep. Okay. Fantastic. Yeah. 600 70. Yeah. Yeah. Yeah. That sounds good. Sounds good. So I am just looking at just growth here. So what's the projection if I increase that to $1.70 then? Because right now you've got an estimate of $3.76. Target income 70. Yeah. Thank you. No worries. Okay. Yep. That's fine. Just send just send me an email to see what the changes are. I'll I'll review the documents later on, if not by tomorrow. Okay. Sounds good. Sounds good. Okay. No worries. Yeah. What about on tax time? Also, that's the only other thing too. On tax time, what's Yeah. Okay. Okay. And will I have the what's the implication? Obviously, I've I've increased my insurance on that one to compensate for for any tax returns. Will that have the implication also of increasing my taxes when it's time for me to to basically do my income taxes at all if I do a salary sacrifice offer? Okay. So my my personal my is it pre a personal insurance. Right? I've, like, increased it a few years ago just because of the fact that I was early born. So if I do the combination of keeping the amount, the increased personal insurance versus and and salary sacrifice, will that be to my advantage also? Because of the fact I'm lowering my my income because of I'm salary sacrificing, but I'm still keeping the the amount of insurance coverage I'm I'm doing for myself. How how does that balance out? No. No. Sorry. This is that I I was I wasn't talking about income protection. I was talking about, like, BUPA, for example. Right? I'm I'm with BUPA. Yeah. My health insurance. Sorry. Sorry. No. No. No. I increased it a few years ago because of the fact that I was I was making more. Otherwise, I'd have to pay. Right? So what how much more advantage do I if I do a salary sacrifice and I still keep my and I still retain or stay with the insurance, the extra insurance I paid for for for my health insurance? Is that gonna be to my advantage? No? Okay. I see. Okay. Yep. Yep. Yep. That sorry. Just just scenarios I was I was asking you about. But yeah. Okay. That's all I needed to know. That's okay. Yeah. Yep. Oh, yeah. It is. But, again, it's it's quite comforting to know that when I go and do my taxes that I'm not I'm making money rather than paying money to the government. That's correct. That's correct. So Yes. Yes. Yep. Okay. Alright. So Okay. So what's my the nominees, Tanya? First of all, my daughter's name is spelled incorrectly, and my brother's name is my brother's name is not your brother. So I again, it's yeah. It's it's that's that's not gonna yeah. You can imagine if I died and they're like, oh, yeah. Your brother. I'm like, is that your name? Yeah. Yeah. Okay. Okay. Let's start with my daughter. It's it's not it doesn't start with s. It starts with c. So c I a r r a. And of course. Yep. Yeah. And my brother's, it's the last name is the same, but his his first name is Christopher, c h yeah. That's correct. Yep. Yep. Okay. Okay. So moving forward with regards to the nominees. Right? Do I need to go and talk to a lawyer specifically and and send out that binding document? Or how is this going to work? Are you going to recommend me some something? This is something I I kinda yeah. I've been I know I've been a bit lazy on on this side of things. Right? But what's what's so what's Uh-huh. Yeah. Okay. Okay. Okay. Please. I please, can can you have him call me? Because like I like I said before, I've been procrastinating. It's been in the math of my mind, but I haven't done anything today. So I wanna get this sorted. So I appreciate your help. Mhmm. Yep. Yep. Mhmm. Great. Yep. That does. That's perfect. Perfect. Okay. Yes. It does. Yep. Okay. Anything else? Yep. Go ahead. Yep. Mhmm. Yeah. Okay. No worries. 3,000 of 3,003 thousand $8.60. Right? Is that is that the annual amount? Right. Okay. Mhmm. Okay. No worry. I mean, look happy to pay for it as long as I'm making I'm I'm increasing my my super at the end of the year. Right? There's no point of doing this whole thing. And if we don't not gonna go anywhere with it. So yep. Sounds good. Okay. No worries. Great. Alright. So, Dana, thank you very much. I'll wait for your updated copy. You too. Thank you, Dana. Alright then. Bye bye. 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Hello? Good. How are you, Dana? Yep.\n\nYeah. Very good, actually. Yeah. Yep. Yep.\n\nI can, but I'm looking at it on a on a small phone. So you can send it across, but I won't be able to look at it fully until later on. Yep. Yep. Okay.\n\nOkay. Yep. That sounds good. Yeah. Sure.\n\nYeah. Eladio Villaflor, '20 April, and it's on 25 Coburn Road, South Fremantle, WA 616 two. Mhmm. Yep. Yep.\n\nYep. That's right. Okay. Yep. Okay.\n\nYep. Yep. Yep. Yep. Okay.\n\nYep. Perfect. Fantastic. Mhmm. Okay.\n\nMhmm. Yeah. Yep. Mhmm. Yeah.\n\nMhmm. Yeah. Is that a statement of advice by any chance? Yeah. Okay.\n\nLet me have a look here to see if it is. Yeah. It it sounds like I mean, it sounds like a solid decision on that one. Again, just based on the geopolitical, I mean, guess what's happening right now with the war, I'm probably going to lean more into something more stable. Something something that I I won't be able to lose my my investments overnight.\n\nMhmm. Yeah. Yep. 19. Yeah.\n\nGo for it. Go for it. Mhmm. Yeah. Mhmm.\n\nYeah. Great. Yep. Mhmm. Yep.\n\nOkay. Okay. Now may I ask you, what's if you're going to take up this stuff in a portfolio, right, I mean, you could see already been along. Equicent is my largest one down here. What what are you going to use those funds and allocate those to?\n\nI see. Mhmm. That's right. Okay. Yep.\n\nYep. Yep. Yeah. Now is in this PDF there, is is it laid out exactly where where you're reallocating? I mean, obviously, the next big one is the Vanguard Divisional Conservative.\n\nWhat else here? It's the ISH Asia. And I I mean, I agree with the battery tech also. Right now, lithium is not producing. It's down.\n\nSo I just just wanna find out how what are you gonna reallocate those two so that we I can get the most out of my the money on anything. So Yes. Mhmm. Okay. Yep.\n\nIt does. It does. Yep. Yeah. I'm I'm with the price of it, that's that's coming up down there.\n\nI mean, you can see already it's just ridiculous, and that's gone up a lot. Yeah. Mhmm. Yep. Mhmm.\n\nOkay. Yep. Yes. Yep. Yep.\n\nOkay. Yep. Just out of curiosity, obviously, is this port I I think, yeah, we did. If this is reviewed every single year, right, or it can can it be reviewed every single six months or three months to see how it's performing and then pick yeah. Okay.\n\nGreat. No. No. Okay. Yeah.\n\nI'd like that. Again, I I wanna continue to adjust it so I get the maximum amount out of of my investments right now. Right? Since I have it's not a lot huge, but if I start if I work right now and just continue reviewing it to see how it's performing, then hopefully, by the end of the year, we'll at least get it closer to to 2 2 100 instead of instead of it's a bit static. If you notice, I mean, my investment has has just been it's just been like a bear.\n\nJust, like, jumping up and down within within the $1.70 mark. Right? And I wanna see if I could improve that. Yeah. Mhmm.\n\nOkay. Mhmm. Okay. Mhmm. Yeah.\n\nYeah. Yep. Okay. So okay. So the question is, do I just need to go through my my employer to basically ask for salary sacrifice to this amount by any chance?\n\nHow does that work then? Yep. Yes. Okay. So I've got two scenarios here.\n\nOkay? So with with with the $150 a week salary sacrifice, what what are the analytics in seven years' time, let's just say, that's projected? So you're saying around close to $370,000 to $500,000 depending on what the market dictates? I see. Yep.\n\nYep. Yep. Right. Yep. Yep.\n\nYep. Yes. So I'm just calculating here. So one that's basically $600, right, a month times 12. So 7,200 a year times, let's say, seven years, $50,000.\n\nNow what if I were to increase that to a $175 a week times four? Yeah. That's correct. Yep. Yeah.\n\nYep. So yeah. That's the thing, though. Yep. Oh, okay.\n\nYep. Yep. Yep. Yeah. Yep.\n\nYep. Yeah. We can't change it though at at the end of the at the, like, let's say in six months time, we could catch up and say, hey. It's it's chewing in too much into my salary. But currently right now, I'm I'm quite comfortable with that amount.\n\nSo, yeah, that'd be good. Can you draft with me a letter by chance and just so I can present this to my HR? Okay. Yep. Okay.\n\nNo worries. No worries. Oh, yep. Sounds good. Fantastic.\n\nOkay. Okay. Yep. Okay. Fantastic.\n\nYeah. 600 70. Yeah. Yeah. Yeah.\n\nThat sounds good. Sounds good. So I am just looking at just growth here. So what's the projection if I increase that to $1.70 then? Because right now you've got an estimate of $3.76.\n\nTarget income 70. Yeah. Thank you. No worries. Okay.\n\nYep. That's fine. Just send just send me an email to see what the changes are. I'll I'll review the documents later on, if not by tomorrow. Okay.\n\nSounds good. Sounds good. Okay. No worries. Yeah.\n\nWhat about on tax time? Also, that's the only other thing too. On tax time, what's Yeah. Okay. Okay.\n\nAnd will I have the what's the implication? Obviously, I've I've increased my insurance on that one to compensate for for any tax returns. Will that have the implication also of increasing my taxes when it's time for me to to basically do my income taxes at all if I do a salary sacrifice offer? Okay. So my my personal my is it pre a personal insurance.\n\nRight? I've, like, increased it a few years ago just because of the fact that I was early born. So if I do the combination of keeping the amount, the increased personal insurance versus and and salary sacrifice, will that be to my advantage also? Because of the fact I'm lowering my my income because of I'm salary sacrificing, but I'm still keeping the the amount of insurance coverage I'm I'm doing for myself. How how does that balance out?\n\nNo. No. Sorry. This is that I I was I wasn't talking about income protection. I was talking about, like, BUPA, for example.\n\nRight? I'm I'm with BUPA. Yeah. My health insurance. Sorry.\n\nSorry. No. No. No. I increased it a few years ago because of the fact that I was I was making more.\n\nOtherwise, I'd have to pay. Right? So what how much more advantage do I if I do a salary sacrifice and I still keep my and I still retain or stay with the insurance, the extra insurance I paid for for for my health insurance? Is that gonna be to my advantage? No?\n\nOkay. I see. Okay. Yep. Yep.\n\nYep. That sorry. Just just scenarios I was I was asking you about. But yeah. Okay.\n\nThat's all I needed to know. That's okay. Yeah. Yep. Oh, yeah.\n\nIt is. But, again, it's it's quite comforting to know that when I go and do my taxes that I'm not I'm making money rather than paying money to the government. That's correct. That's correct. So Yes.\n\nYes. Yep. Okay. Alright. So Okay.\n\nSo what's my the nominees, Tanya? First of all, my daughter's name is spelled incorrectly, and my brother's name is my brother's name is not your brother. So I again, it's yeah. It's it's that's that's not gonna yeah. You can imagine if I died and they're like, oh, yeah.\n\nYour brother. I'm like, is that your name? Yeah. Yeah. Okay.\n\nOkay. Let's start with my daughter. It's it's not it doesn't start with s. It starts with c. So c I a r r a.\n\nAnd of course. Yep. Yeah. And my brother's, it's the last name is the same, but his his first name is Christopher, c h yeah. That's correct.\n\nYep. Yep. Okay. Okay. So moving forward with regards to the nominees.\n\nRight? Do I need to go and talk to a lawyer specifically and and send out that binding document? Or how is this going to work? Are you going to recommend me some something? This is something I I kinda yeah.\n\nI've been I know I've been a bit lazy on on this side of things. Right? But what's what's so what's Uh-huh. Yeah. Okay.\n\nOkay. Okay. Please. I please, can can you have him call me? Because like I like I said before, I've been procrastinating.\n\nIt's been in the math of my mind, but I haven't done anything today. So I wanna get this sorted. So I appreciate your help. Mhmm. Yep.\n\nYep. Mhmm. Great. Yep. That does.\n\nThat's perfect. Perfect. Okay. Yes. It does.\n\nYep. Okay. Anything else? Yep. Go ahead.\n\nYep. Mhmm. Yeah. Okay. No worries.\n\n3,000 of 3,003 thousand $8.60. Right? Is that is that the annual amount? Right. Okay.\n\nMhmm. Okay. No worry. I mean, look happy to pay for it as long as I'm making I'm I'm increasing my my super at the end of the year. Right?\n\nThere's no point of doing this whole thing. And if we don't not gonna go anywhere with it. So yep. Sounds good. Okay.\n\nNo worries. Great. Alright. So, Dana, thank you very much. I'll wait for your updated copy.\n\nYou too. Thank you, Dana. Alright then. Bye bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.4399999,"end":1.9399999,"sentiment":"neutral","sentiment_score":0.01660126820206642},{"text":"Hello?","start":6.3199997,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.026781965047121048},{"text":"Good.","start":12.16,"end":12.48,"sentiment":"positive","sentiment_score":0.5337046980857849},{"text":"How are you, Dana?","start":12.48,"end":13.46,"sentiment":"positive","sentiment_score":0.4048045352101326},{"text":"Yep.","start":18.265,"end":18.585,"sentiment":"neutral","sentiment_score":0.18765418231487271}],"sentiment":"neutral","sentiment_score":0.29799503181129694,"num_words":8,"start":1.4399999,"end":18.585},{"sentences":[{"text":"Yeah.","start":18.585,"end":18.904999,"sentiment":"neutral","sentiment_score":0.3264720141887665},{"text":"Very good, actually.","start":18.904999,"end":19.965,"sentiment":"positive","sentiment_score":0.5606314738591512},{"text":"Yeah.","start":22.105,"end":22.605,"sentiment":"positive","sentiment_score":0.43524301052093506},{"text":"Yep.","start":29.945,"end":30.445,"sentiment":"neutral","sentiment_score":0.26989948749542236},{"text":"Yep.","start":30.53,"end":31.03,"sentiment":"neutral","sentiment_score":0.07289861142635345}],"sentiment":"positive","sentiment_score":0.398058220744133,"num_words":7,"start":18.585,"end":31.03},{"sentences":[{"text":"I can, but I'm looking at it on a on a small phone.","start":45.075,"end":48.195,"sentiment":"neutral","sentiment_score":0.0022122895058531026},{"text":"So you can send it across, but I won't be able to look at it fully until later on.","start":48.195,"end":54.055,"sentiment":"neutral","sentiment_score":-0.017389095878522647},{"text":"Yep.","start":59.17,"end":59.67,"sentiment":"neutral","sentiment_score":0.08316662907600403},{"text":"Yep.","start":64.69,"end":65.17,"sentiment":"neutral","sentiment_score":0.02477438561618328},{"text":"Okay.","start":65.17,"end":65.67,"sentiment":"neutral","sentiment_score":0.03958572447299957}],"sentiment":"neutral","sentiment_score":-0.004403037684304374,"num_words":35,"start":45.075,"end":65.67},{"sentences":[{"text":"Okay.","start":73.424995,"end":73.924995,"sentiment":"neutral","sentiment_score":0.0864647775888443},{"text":"Yep.","start":73.985,"end":74.485,"sentiment":"neutral","sentiment_score":0.1551295518875122},{"text":"That sounds good.","start":74.865,"end":75.924995,"sentiment":"positive","sentiment_score":0.5415497024854025},{"text":"Yeah.","start":82.784996,"end":83.185,"sentiment":"neutral","sentiment_score":0.10032925009727478},{"text":"Sure.","start":83.185,"end":83.685,"sentiment":"neutral","sentiment_score":0.1355568766593933}],"sentiment":"neutral","sentiment_score":0.300304223384176,"num_words":7,"start":73.424995,"end":83.685},{"sentences":[{"text":"Yeah.","start":92.74,"end":93.24,"sentiment":"neutral","sentiment_score":0.03441617265343666},{"text":"Eladio Villaflor, '20 April, and it's on 25 Coburn Road, South Fremantle, WA 616 two.","start":93.38,"end":103.945,"sentiment":"neutral","sentiment_score":0.04182276874780655},{"text":"Mhmm.","start":126.145,"end":126.645,"sentiment":"neutral","sentiment_score":-0.020944954827427864},{"text":"Yep.","start":140.44,"end":140.94,"sentiment":"neutral","sentiment_score":0.19163653254508972},{"text":"Yep.","start":149.16,"end":149.48,"sentiment":"neutral","sentiment_score":0.17950718104839325}],"sentiment":"neutral","sentiment_score":0.05326086645455737,"num_words":19,"start":92.74,"end":149.48},{"sentences":[{"text":"Yep.","start":149.48,"end":149.98,"sentiment":"neutral","sentiment_score":0.18984806537628177},{"text":"That's right.","start":172.54001,"end":173.44,"sentiment":"positive","sentiment_score":0.3491804450750351},{"text":"Okay.","start":194.845,"end":195.345,"sentiment":"neutral","sentiment_score":0.18005302548408508},{"text":"Yep.","start":234.18001,"end":234.58,"sentiment":"neutral","sentiment_score":0.05957760661840439},{"text":"Okay.","start":234.58,"end":235.08,"sentiment":"neutral","sentiment_score":0.037568166851997375}],"sentiment":"neutral","sentiment_score":0.19423462574680647,"num_words":6,"start":149.48,"end":235.08},{"sentences":[{"text":"Yep.","start":257.05,"end":257.55,"sentiment":"neutral","sentiment_score":0.04495006054639816},{"text":"Yep.","start":264.775,"end":265.275,"sentiment":"neutral","sentiment_score":0.05300378054380417},{"text":"Yep.","start":284.74,"end":285.22,"sentiment":"neutral","sentiment_score":0.08558663725852966},{"text":"Yep.","start":285.22,"end":285.72,"sentiment":"neutral","sentiment_score":0.07002165168523788},{"text":"Okay.","start":297.485,"end":297.885,"sentiment":"neutral","sentiment_score":0.1025896668434143}],"sentiment":"neutral","sentiment_score":0.07123035937547684,"num_words":5,"start":257.05,"end":297.885},{"sentences":[{"text":"Yep.","start":297.885,"end":298.365,"sentiment":"neutral","sentiment_score":0.21788637340068817},{"text":"Perfect.","start":298.365,"end":298.865,"sentiment":"positive","sentiment_score":0.5531978607177734},{"text":"Fantastic.","start":318.79,"end":319.29,"sentiment":"positive","sentiment_score":0.6810051202774048},{"text":"Mhmm.","start":331.605,"end":332.105,"sentiment":"neutral","sentiment_score":-0.027585912495851517},{"text":"Okay.","start":347.01,"end":347.51,"sentiment":"neutral","sentiment_score":0.04601237177848816}],"sentiment":"neutral","sentiment_score":0.2941031627357006,"num_words":5,"start":297.885,"end":347.51},{"sentences":[{"text":"Mhmm.","start":358.015,"end":358.515,"sentiment":"neutral","sentiment_score":-0.03959248587489128},{"text":"Yeah.","start":366.55002,"end":367.05002,"sentiment":"neutral","sentiment_score":0.03094117715954781},{"text":"Yep.","start":367.75,"end":368.25,"sentiment":"neutral","sentiment_score":0.07242134213447571},{"text":"Mhmm.","start":386.45502,"end":386.95502,"sentiment":"neutral","sentiment_score":-0.24946363270282745},{"text":"Yeah.","start":390.21,"end":390.71,"sentiment":"neutral","sentiment_score":-0.22209110856056213}],"sentiment":"neutral","sentiment_score":-0.08155694156885147,"num_words":5,"start":358.015,"end":390.71},{"sentences":[{"text":"Mhmm.","start":396.93,"end":397.43,"sentiment":"neutral","sentiment_score":-0.0024550650268793106},{"text":"Yeah.","start":412.585,"end":412.82498,"sentiment":"neutral","sentiment_score":0.07678627967834473},{"text":"Is that a statement of advice by any chance?","start":412.82498,"end":415.245,"sentiment":"neutral","sentiment_score":0.08474700939324167},{"text":"Yeah.","start":416.505,"end":416.745,"sentiment":"neutral","sentiment_score":0.07205995172262192},{"text":"Okay.","start":416.745,"end":416.985,"sentiment":"neutral","sentiment_score":0.07404065132141113}],"sentiment":"neutral","sentiment_score":0.07562730017189796,"num_words":13,"start":396.93,"end":416.985},{"sentences":[{"text":"Let me have a look here to see if it is.","start":416.985,"end":419.16498,"sentiment":"neutral","sentiment_score":0.06292512809688394},{"text":"Yeah.","start":419.76,"end":420.26,"sentiment":"neutral","sentiment_score":0.10764846950769424},{"text":"It it sounds like I mean, it sounds like a solid decision on that one.","start":420.32,"end":425.84,"sentiment":"positive","sentiment_score":0.34698454694201547},{"text":"Again, just based on the geopolitical, I mean, guess what's happening right now with the war, I'm probably going to lean more into something more stable.","start":425.84,"end":435.995,"sentiment":"neutral","sentiment_score":0.05234640593139025},{"text":"Something something that I I won't be able to lose my my investments overnight.","start":435.995,"end":444.335,"sentiment":"neutral","sentiment_score":0.030729116339768683}],"sentiment":"neutral","sentiment_score":0.11635533232353072,"num_words":67,"start":416.985,"end":444.335},{"sentences":[{"text":"Mhmm.","start":445.19498,"end":445.69498,"sentiment":"neutral","sentiment_score":0.042593710124492645},{"text":"Yeah.","start":446.555,"end":447.055,"sentiment":"neutral","sentiment_score":0.026257988065481182},{"text":"Yep.","start":451.25998,"end":451.75998,"sentiment":"neutral","sentiment_score":0.02395755425095558},{"text":"19.","start":452.46,"end":452.96,"sentiment":"neutral","sentiment_score":0.02963221445679665},{"text":"Yeah.","start":455.41998,"end":455.82,"sentiment":"neutral","sentiment_score":0.05367479845881462}],"sentiment":"neutral","sentiment_score":0.035223253071308136,"num_words":5,"start":445.19498,"end":455.82},{"sentences":[{"text":"Go for 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may I ask you, what's if you're going to take up this stuff in a portfolio, right, I mean, you could see already been along.","start":564.7,"end":571.71497,"sentiment":"neutral","sentiment_score":0.07363954537476484},{"text":"Equicent is my largest one down here.","start":572.095,"end":574.89496,"sentiment":"neutral","sentiment_score":0.12751026983772004},{"text":"What what are you going to use those funds and allocate those to?","start":574.89496,"end":579.63495,"sentiment":"neutral","sentiment_score":0.039429312715163596}],"sentiment":"neutral","sentiment_score":0.06992464050805818,"num_words":48,"start":513.45,"end":579.63495},{"sentences":[{"text":"I see.","start":596.255,"end":596.91504,"sentiment":"neutral","sentiment_score":0.058112574741244316},{"text":"Mhmm.","start":603.135,"end":603.635,"sentiment":"neutral","sentiment_score":-0.012833978049457071},{"text":"That's right.","start":617.32,"end":617.985,"sentiment":"neutral","sentiment_score":0.04906916432082653},{"text":"Okay.","start":642.59,"end":643.09,"sentiment":"neutral","sentiment_score":0.06298185884952545},{"text":"Yep.","start":649.055,"end":649.555,"sentiment":"neutral","sentiment_score":-0.131349116563797}],"sentiment":"neutral","sentiment_score":0.019023177480059012,"num_words":7,"start":596.255,"end":649.555},{"sentences":[{"text":"Yep.","start":651.055,"end":651.555,"sentiment":"positive","sentiment_score":0.342832088470459},{"text":"Yep.","start":661.83,"end":662.33,"sentiment":"neutral","sentiment_score":0.12665627896785736},{"text":"Yeah.","start":668.07,"end":668.57,"sentiment":"neutral","sentiment_score":0.13165098428726196},{"text":"Now is in this PDF there, is is it laid out exactly where where you're reallocating?","start":668.95,"end":674.15497,"sentiment":"neutral","sentiment_score":0.0371341792633757},{"text":"I mean, obviously, the next big one is the Vanguard Divisional Conservative.","start":674.21497,"end":677.515,"sentiment":"neutral","sentiment_score":0.029181338846683502}],"sentiment":"neutral","sentiment_score":0.04985362213225134,"num_words":31,"start":651.055,"end":677.515},{"sentences":[{"text":"What else here?","start":678.135,"end":679.195,"sentiment":"neutral","sentiment_score":0.013228761032223701},{"text":"It's the ISH Asia.","start":679.735,"end":682.795,"sentiment":"neutral","sentiment_score":0.033146691508591175},{"text":"And I I mean, I agree with the battery tech also.","start":683.255,"end":685.815,"sentiment":"neutral","sentiment_score":0.06628623537041924},{"text":"Right now, lithium is not producing.","start":685.815,"end":687.435,"sentiment":"neutral","sentiment_score":-0.04612796070675055},{"text":"It's down.","start":688.13,"end":689.01,"sentiment":"neutral","sentiment_score":-0.02774944808334112}],"sentiment":"neutral","sentiment_score":0.02189057606917161,"num_words":26,"start":678.135,"end":689.01},{"sentences":[{"text":"So I just just wanna find out how what are you gonna reallocate those two so that we I can get the most out of my the money on anything.","start":689.01,"end":696.79,"sentiment":"neutral","sentiment_score":0.06833005361258984},{"text":"So Yes.","start":696.85,"end":712.565,"sentiment":"neutral","sentiment_score":0.11682126671075821},{"text":"Mhmm.","start":725.13,"end":725.29,"sentiment":"neutral","sentiment_score":0.02255399152636528},{"text":"Okay.","start":725.29,"end":725.79,"sentiment":"neutral","sentiment_score":0.03993852809071541},{"text":"Yep.","start":726.41,"end":726.73,"sentiment":"neutral","sentiment_score":0.10772212594747543}],"sentiment":"neutral","sentiment_score":0.07010739392467907,"num_words":35,"start":689.01,"end":726.73},{"sentences":[{"text":"It does.","start":726.73,"end":727.425,"sentiment":"neutral","sentiment_score":0.2445794641971588},{"text":"It does.","start":727.425,"end":728.08496,"sentiment":"neutral","sentiment_score":0.2602143883705139},{"text":"Yep.","start":732.705,"end":733.205,"sentiment":"neutral","sentiment_score":0.1677231639623642},{"text":"Yeah.","start":742.13,"end":742.52997,"sentiment":"neutral","sentiment_score":-0.04570198059082031},{"text":"I'm I'm with the price of it, 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out of curiosity, obviously, is this port I I think, yeah, we did.","start":816.54,"end":820.3,"sentiment":"neutral","sentiment_score":0.02270381006279162},{"text":"If this is reviewed every single year, right, or it can can it be reviewed every single six months or three months to see how it's performing and then pick yeah.","start":820.3,"end":830.28503,"sentiment":"neutral","sentiment_score":0.06618305665230559},{"text":"Okay.","start":830.28503,"end":830.685,"sentiment":"neutral","sentiment_score":0.1326250433921814}],"sentiment":"neutral","sentiment_score":0.05836862211193269,"num_words":48,"start":809.355,"end":830.685},{"sentences":[{"text":"Great.","start":830.685,"end":831.185,"sentiment":"neutral","sentiment_score":0.25228118896484375},{"text":"No.","start":839.085,"end":839.585,"sentiment":"neutral","sentiment_score":-0.06538015604019165},{"text":"No.","start":840.045,"end":840.545,"sentiment":"neutral","sentiment_score":-0.04564603418111801},{"text":"Okay.","start":853.43,"end":853.93,"sentiment":"neutral","sentiment_score":0.1335078477859497},{"text":"Yeah.","start":853.99,"end":854.39,"sentiment":"neutral","sentiment_score":0.1320146918296814}],"sentiment":"neutral","sentiment_score":0.08135550767183304,"num_words":5,"start":830.685,"end":854.39},{"sentences":[{"text":"I'd like that.","start":854.39,"end":855.11,"sentiment":"neutral","sentiment_score":0.15993181864420572},{"text":"Again, I I wanna continue to adjust it so I get the maximum amount out of of my investments right now.","start":855.11,"end":861.485,"sentiment":"neutral","sentiment_score":0.2373970223679429},{"text":"Right?","start":861.485,"end":861.725,"sentiment":"neutral","sentiment_score":0.10808224976062776},{"text":"Since I have it's not a lot huge, but if I start if I work right now and just continue reviewing it to see how it's performing, then hopefully, by the end of the year, we'll at least get it closer to to 2 2 100 instead of instead of it's a bit static.","start":861.725,"end":877.71,"sentiment":"neutral","sentiment_score":0.11468951690390154},{"text":"If you notice, I mean, my investment has has just been it's just been like a bear.","start":877.93,"end":882.35004,"sentiment":"neutral","sentiment_score":-0.17127950927790472}],"sentiment":"neutral","sentiment_score":0.09223643156777446,"num_words":96,"start":854.39,"end":882.35004},{"sentences":[{"text":"Just, like, jumping up and down within within the $1.70 mark.","start":882.825,"end":886.905,"sentiment":"neutral","sentiment_score":0.16105678880756552},{"text":"Right?","start":886.905,"end":887.22504,"sentiment":"neutral","sentiment_score":0.11938811838626862},{"text":"And I wanna see if I could improve 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okay.","start":1081.155,"end":1083.895,"sentiment":"neutral","sentiment_score":0.08047450333833694},{"text":"So the question is, do I just need to go through my my employer to basically ask for salary sacrifice to this amount by any chance?","start":1083.9551,"end":1092.03,"sentiment":"neutral","sentiment_score":0.023556334611314993}],"sentiment":"neutral","sentiment_score":0.046164001788823836,"num_words":31,"start":1043.7001,"end":1092.03},{"sentences":[{"text":"How does that work then?","start":1092.03,"end":1094.77,"sentiment":"neutral","sentiment_score":0.08360008671879768},{"text":"Yep.","start":1095.63,"end":1096.13,"sentiment":"neutral","sentiment_score":0.27814388275146484},{"text":"Yes.","start":1105.55,"end":1106.05,"sentiment":"neutral","sentiment_score":0.1420775055885315},{"text":"Okay.","start":1108.6951,"end":1109.0951,"sentiment":"neutral","sentiment_score":0.06836190819740295},{"text":"So I've got two scenarios here.","start":1109.0951,"end":1111.255,"sentiment":"neutral","sentiment_score":0.04906019816795985}],"sentiment":"neutral","sentiment_score":0.08578177993851048,"num_words":14,"start":1092.03,"end":1111.255},{"sentences":[{"text":"Okay?","start":1111.255,"end":1111.655,"sentiment":"neutral","sentiment_score":0.04553765058517456},{"text":"So with with with the $150 a week salary sacrifice, what what are the analytics in seven years' time, let's just say, that's projected?","start":1111.655,"end":1123.6,"sentiment":"neutral","sentiment_score":0.05984922219067812},{"text":"So you're saying around close to $370,000 to $500,000 depending on what the market dictates?","start":1124.62,"end":1132.16,"sentiment":"neutral","sentiment_score":0.032687809442480405},{"text":"I 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I'm just calculating here.","start":1213.0349,"end":1214.475,"sentiment":"neutral","sentiment_score":0.05088878497481346},{"text":"So one that's basically $600, right, a month times 12.","start":1214.475,"end":1219.755,"sentiment":"neutral","sentiment_score":0.03282972201704979},{"text":"So 7,200 a year times, let's say, seven years, $50,000.","start":1219.755,"end":1226.095,"sentiment":"neutral","sentiment_score":0.029854626394808292}],"sentiment":"neutral","sentiment_score":0.04472527176969581,"num_words":27,"start":1199.185,"end":1226.095},{"sentences":[{"text":"Now what if I were to increase that to a $175 a week times four?","start":1226.41,"end":1232.83,"sentiment":"neutral","sentiment_score":0.013283631453911463},{"text":"Yeah.","start":1239.21,"end":1239.53,"sentiment":"neutral","sentiment_score":0.009161614812910557},{"text":"That's correct.","start":1239.53,"end":1240.35,"sentiment":"neutral","sentiment_score":0.03710107505321503},{"text":"Yep.","start":1240.41,"end":1240.91,"sentiment":"neutral","sentiment_score":0.008284746669232845},{"text":"Yeah.","start":1250.055,"end":1250.555,"sentiment":"neutral","sentiment_score":0.009658767841756344}],"sentiment":"neutral","sentiment_score":0.015028087561950088,"num_words":20,"start":1226.41,"end":1250.555},{"sentences":[{"text":"Yep.","start":1260.7201,"end":1261.2201,"sentiment":"neutral","sentiment_score":0.08784246444702148},{"text":"So yeah.","start":1262.7201,"end":1263.92,"sentiment":"neutral","sentiment_score":0.23444777727127075},{"text":"That's the thing, though.","start":1263.92,"end":1264.88,"sentiment":"neutral","sentiment_score":0.087788175791502},{"text":"Yep.","start":1264.88,"end":1265.38,"sentiment":"neutral","sentiment_score":0.08794796466827393},{"text":"Oh, 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can't change it though at at the end of the at the, like, let's say in six months time, we could catch up and say, hey.","start":1322.1799,"end":1327.765,"sentiment":"neutral","sentiment_score":0.05255663498408265},{"text":"It's it's chewing in too much into my salary.","start":1328.145,"end":1330.9451,"sentiment":"neutral","sentiment_score":-0.12399590712609804},{"text":"But currently right now, I'm I'm quite comfortable with that amount.","start":1330.9451,"end":1334.405,"sentiment":"neutral","sentiment_score":0.13351931152018634}],"sentiment":"neutral","sentiment_score":0.04062275654322715,"num_words":49,"start":1318.82,"end":1334.405},{"sentences":[{"text":"So, yeah, that'd be good.","start":1335.3451,"end":1336.95,"sentiment":"positive","sentiment_score":0.46748300790786745},{"text":"Can you draft with me a letter by chance and just so I can present this to my HR?","start":1337.6699,"end":1342.33,"sentiment":"neutral","sentiment_score":0.08257659622713139},{"text":"Okay.","start":1346.1499,"end":1346.6499,"sentiment":"neutral","sentiment_score":0.10734166949987411},{"text":"Yep.","start":1350.71,"end":1351.21,"sentiment":"neutral","sentiment_score":0.0957016795873642},{"text":"Okay.","start":1360.415,"end":1360.915,"sentiment":"neutral","sentiment_score":0.07857706397771835}],"sentiment":"neutral","sentiment_score":0.15511076966369594,"num_words":27,"start":1335.3451,"end":1360.915},{"sentences":[{"text":"No worries.","start":1361.055,"end":1361.795,"sentiment":"neutral","sentiment_score":0.11963246762752532},{"text":"No worries.","start":1361.855,"end":1362.5951,"sentiment":"neutral","sentiment_score":0.17407698929309845},{"text":"Oh, yep.","start":1362.8151,"end":1363.7151,"sentiment":"positive","sentiment_score":0.3755685091018677},{"text":"Sounds 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70.","start":1430.22,"end":1431.36,"sentiment":"neutral","sentiment_score":0.07300299033522606},{"text":"Yeah.","start":1478.635,"end":1478.9551,"sentiment":"neutral","sentiment_score":0.03868116810917854},{"text":"Yeah.","start":1478.9551,"end":1479.4551,"sentiment":"neutral","sentiment_score":0.05593147128820419},{"text":"Yeah.","start":1479.515,"end":1479.915,"sentiment":"neutral","sentiment_score":0.1833970248699188}],"sentiment":"neutral","sentiment_score":0.09874688399334748,"num_words":6,"start":1429.98,"end":1479.915},{"sentences":[{"text":"That sounds good.","start":1479.915,"end":1480.975,"sentiment":"positive","sentiment_score":0.40587174892425537},{"text":"Sounds good.","start":1481.62,"end":1482.44,"sentiment":"positive","sentiment_score":0.41734039783477783},{"text":"So I am just looking at just growth here.","start":1483.14,"end":1485.46,"sentiment":"neutral","sentiment_score":0.11792616918683052},{"text":"So what's the projection if I increase that to $1.70 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worries.","start":1524.42,"end":1525.155,"sentiment":"neutral","sentiment_score":-0.0160756828263402},{"text":"Okay.","start":1550.92,"end":1551.42,"sentiment":"neutral","sentiment_score":-0.07437989115715027}],"sentiment":"neutral","sentiment_score":0.030580673987666767,"num_words":9,"start":1493.38,"end":1551.42},{"sentences":[{"text":"Yep.","start":1560.045,"end":1560.365,"sentiment":"neutral","sentiment_score":0.10344600677490234},{"text":"That's fine.","start":1560.365,"end":1561.005,"sentiment":"neutral","sentiment_score":0.15827735885977745},{"text":"Just send just send me an email to see what the changes are.","start":1561.005,"end":1563.725,"sentiment":"neutral","sentiment_score":0.03414451388212351},{"text":"I'll I'll review the documents later on, if not by tomorrow.","start":1563.725,"end":1568.52,"sentiment":"neutral","sentiment_score":0.04080831276422197},{"text":"Okay.","start":1578.74,"end":1579.24,"sentiment":"neutral","sentiment_score":0.18079417943954468}],"sentiment":"neutral","sentiment_score":0.0533416080288589,"num_words":28,"start":1560.045,"end":1579.24},{"sentences":[{"text":"Sounds good.","start":1579.3,"end":1580.02,"sentiment":"positive","sentiment_score":0.5275432765483856},{"text":"Sounds good.","start":1580.02,"end":1580.625,"sentiment":"positive","sentiment_score":0.6241652369499207},{"text":"Okay.","start":1580.865,"end":1581.105,"sentiment":"neutral","sentiment_score":0.2878146767616272},{"text":"No worries.","start":1581.105,"end":1581.845,"sentiment":"neutral","sentiment_score":0.28824859112501144},{"text":"Yeah.","start":1604.62,"end":1605.12,"sentiment":"neutral","sentiment_score":-0.0014722459018230438}],"sentiment":"positive","sentiment_score":0.39578208001330495,"num_words":8,"start":1579.3,"end":1605.12},{"sentences":[{"text":"What about on tax time?","start":1610.6951,"end":1611.895,"sentiment":"neutral","sentiment_score":-0.07659875825047494},{"text":"Also, that's the only other thing too.","start":1611.895,"end":1613.915,"sentiment":"neutral","sentiment_score":-0.0783437362739018},{"text":"On tax time, what's Yeah.","start":1614.055,"end":1621.0,"sentiment":"neutral","sentiment_score":-0.03767629861831665},{"text":"Okay.","start":1624.9801,"end":1625.4801,"sentiment":"neutral","sentiment_score":0.09891316294670104},{"text":"Okay.","start":1651.4701,"end":1651.79,"sentiment":"neutral","sentiment_score":0.02929859049618244}],"sentiment":"neutral","sentiment_score":-0.05218787814833616,"num_words":19,"start":1610.6951,"end":1651.79},{"sentences":[{"text":"And will I have the what's the implication?","start":1651.79,"end":1654.05,"sentiment":"neutral","sentiment_score":-0.007714077946729958},{"text":"Obviously, I've I've increased my insurance on that one to compensate for for any tax returns.","start":1654.11,"end":1660.05,"sentiment":"neutral","sentiment_score":-0.027532793872524053},{"text":"Will that have the implication also of increasing my taxes when it's time for me to to basically do my income taxes at all if I do a salary sacrifice offer?","start":1660.615,"end":1669.9149,"sentiment":"neutral","sentiment_score":-0.06976518767975992},{"text":"Okay.","start":1676.04,"end":1676.54,"sentiment":"neutral","sentiment_score":-0.028944790363311768},{"text":"So my my personal my is it pre a personal insurance.","start":1676.6001,"end":1680.8601,"sentiment":"neutral","sentiment_score":-0.028426089239391415}],"sentiment":"neutral","sentiment_score":-0.04487447635228954,"num_words":67,"start":1651.79,"end":1680.8601},{"sentences":[{"text":"Right?","start":1680.92,"end":1681.42,"sentiment":"neutral","sentiment_score":0.00791999138891697},{"text":"I've, like, increased it a few years ago just because of the fact that I was early born.","start":1683.7201,"end":1688.115,"sentiment":"neutral","sentiment_score":0.08916593798332745},{"text":"So if I do the combination of keeping the amount, the increased personal insurance versus and and salary sacrifice, will that be to my advantage also?","start":1688.595,"end":1702.8301,"sentiment":"neutral","sentiment_score":0.14639614522457123},{"text":"Because of the fact I'm lowering my my income because of I'm salary sacrificing, but I'm still keeping the the amount of insurance coverage I'm I'm doing for myself.","start":1702.8301,"end":1712.1101,"sentiment":"neutral","sentiment_score":-0.04044486823138492},{"text":"How how does that balance out?","start":1712.1101,"end":1713.65,"sentiment":"neutral","sentiment_score":0.03438181430101395}],"sentiment":"neutral","sentiment_score":0.0556574544752948,"num_words":80,"start":1680.92,"end":1713.65},{"sentences":[{"text":"No.","start":1723.485,"end":1723.565,"sentiment":"neutral","sentiment_score":-0.21185417473316193},{"text":"No.","start":1723.565,"end":1723.725,"sentiment":"neutral","sentiment_score":-0.1985514760017395},{"text":"Sorry.","start":1723.725,"end":1724.225,"sentiment":"neutral","sentiment_score":-0.1808682382106781},{"text":"This is that I I was I wasn't talking about income protection.","start":1725.165,"end":1728.2101,"sentiment":"neutral","sentiment_score":-0.09844238342096408},{"text":"I was talking about, like, BUPA, for example.","start":1728.2101,"end":1730.37,"sentiment":"neutral","sentiment_score":-0.07046047691255808}],"sentiment":"neutral","sentiment_score":-0.10157679588250491,"num_words":23,"start":1723.485,"end":1730.37},{"sentences":[{"text":"Right?","start":1730.37,"end":1730.85,"sentiment":"neutral","sentiment_score":-0.027186930179595947},{"text":"I'm I'm with BUPA.","start":1730.85,"end":1732.15,"sentiment":"neutral","sentiment_score":-0.039520039688795805},{"text":"Yeah.","start":1732.85,"end":1733.01,"sentiment":"neutral","sentiment_score":-0.0027509434148669243},{"text":"My health insurance.","start":1733.01,"end":1734.0701,"sentiment":"neutral","sentiment_score":-0.040244974195957184},{"text":"Sorry.","start":1734.4501,"end":1734.9501,"sentiment":"neutral","sentiment_score":-0.10329928249120712}],"sentiment":"neutral","sentiment_score":-0.04120522374287248,"num_words":10,"start":1730.37,"end":1734.9501},{"sentences":[{"text":"Sorry.","start":1735.49,"end":1735.99,"sentiment":"neutral","sentiment_score":-0.09203654527664185},{"text":"No.","start":1742.495,"end":1742.735,"sentiment":"neutral","sentiment_score":-0.18952515721321103},{"text":"No.","start":1742.735,"end":1742.815,"sentiment":"neutral","sentiment_score":-0.16464665532112122},{"text":"No.","start":1742.815,"end":1743.0549,"sentiment":"neutral","sentiment_score":-0.17768222093582153},{"text":"I increased it a few years ago because of the fact that I was I was making more.","start":1743.0549,"end":1746.995,"sentiment":"neutral","sentiment_score":-0.08417182250155343}],"sentiment":"neutral","sentiment_score":-0.09722651744430716,"num_words":22,"start":1735.49,"end":1746.995},{"sentences":[{"text":"Otherwise, I'd have to pay.","start":1747.0549,"end":1748.6749,"sentiment":"neutral","sentiment_score":-0.24894598722457886},{"text":"Right?","start":1749.0549,"end":1749.375,"sentiment":"neutral","sentiment_score":-0.10960441082715988},{"text":"So what how much more advantage do I if I do a salary sacrifice and I still keep my and I still retain or stay with the insurance, the extra insurance I paid for for for my health insurance?","start":1749.375,"end":1764.9199,"sentiment":"neutral","sentiment_score":0.03216300646846111},{"text":"Is that gonna be to my advantage?","start":1764.9199,"end":1766.38,"sentiment":"neutral","sentiment_score":0.15093735711915152},{"text":"No?","start":1767.895,"end":1768.395,"sentiment":"neutral","sentiment_score":-0.1540660858154297}],"sentiment":"neutral","sentiment_score":0.015141855081859624,"num_words":53,"start":1747.0549,"end":1768.395},{"sentences":[{"text":"Okay.","start":1769.255,"end":1769.755,"sentiment":"neutral","sentiment_score":-0.03451211005449295},{"text":"I see.","start":1777.015,"end":1777.755,"sentiment":"neutral","sentiment_score":-0.08026896044611931},{"text":"Okay.","start":1781.255,"end":1781.755,"sentiment":"neutral","sentiment_score":-0.023329397663474083},{"text":"Yep.","start":1783.58,"end":1784.08,"sentiment":"neutral","sentiment_score":0.0137115940451622},{"text":"Yep.","start":1788.22,"end":1788.62,"sentiment":"neutral","sentiment_score":-0.06258315593004227}],"sentiment":"neutral","sentiment_score":-0.04454183174918095,"num_words":6,"start":1769.255,"end":1788.62},{"sentences":[{"text":"Yep.","start":1788.62,"end":1788.94,"sentiment":"neutral","sentiment_score":-0.06601233035326004},{"text":"That sorry.","start":1788.94,"end":1790.22,"sentiment":"neutral","sentiment_score":-0.05995209328830242},{"text":"Just just scenarios I was I was asking you about.","start":1790.22,"end":1792.7799,"sentiment":"neutral","sentiment_score":-0.030492976494133472},{"text":"But yeah.","start":1792.7799,"end":1793.5199,"sentiment":"neutral","sentiment_score":0.006580803543329239},{"text":"Okay.","start":1793.58,"end":1793.8999,"sentiment":"neutral","sentiment_score":0.06752368807792664}],"sentiment":"neutral","sentiment_score":-0.025635061669163406,"num_words":16,"start":1788.62,"end":1793.8999},{"sentences":[{"text":"That's all I needed to know.","start":1793.8999,"end":1795.305,"sentiment":"neutral","sentiment_score":0.03974962110320727},{"text":"That's okay.","start":1799.145,"end":1799.885,"sentiment":"neutral","sentiment_score":-0.2792578190565109},{"text":"Yeah.","start":1802.9851,"end":1803.4851,"sentiment":"neutral","sentiment_score":0.09672364592552184},{"text":"Yep.","start":1811.8401,"end":1812.3401,"sentiment":"neutral","sentiment_score":0.051051586866378784},{"text":"Oh, yeah.","start":1824.005,"end":1824.665,"sentiment":"neutral","sentiment_score":-0.01956815179437399}],"sentiment":"neutral","sentiment_score":-0.017614915190885466,"num_words":12,"start":1793.8999,"end":1824.665},{"sentences":[{"text":"It is.","start":1824.805,"end":1825.625,"sentiment":"neutral","sentiment_score":0.031553950160741806},{"text":"But, again, it's it's quite comforting to know that when I go and do my taxes that I'm not I'm making money rather than paying money to the government.","start":1826.3251,"end":1835.385,"sentiment":"neutral","sentiment_score":0.07631924870456087},{"text":"That's correct.","start":1841.76,"end":1842.58,"sentiment":"neutral","sentiment_score":0.12025237455964088},{"text":"That's correct.","start":1842.88,"end":1843.6799,"sentiment":"neutral","sentiment_score":0.14589640498161316},{"text":"So Yes.","start":1843.6799,"end":1855.645,"sentiment":"neutral","sentiment_score":0.061829088255763054}],"sentiment":"neutral","sentiment_score":0.07925194184723738,"num_words":37,"start":1824.805,"end":1855.645},{"sentences":[{"text":"Yes.","start":1856.505,"end":1857.005,"sentiment":"neutral","sentiment_score":0.0934782773256302},{"text":"Yep.","start":1884.685,"end":1885.185,"sentiment":"neutral","sentiment_score":0.2936944365501404},{"text":"Okay.","start":1899.87,"end":1900.37,"sentiment":"neutral","sentiment_score":0.12310218065977097},{"text":"Alright.","start":1900.51,"end":1901.01,"sentiment":"neutral","sentiment_score":0.14255580306053162},{"text":"So Okay.","start":1902.43,"end":1910.015,"sentiment":"neutral","sentiment_score":-0.011787747964262964}],"sentiment":"neutral","sentiment_score":0.10487586694459121,"num_words":6,"start":1856.505,"end":1910.015},{"sentences":[{"text":"So what's my the nominees, Tanya?","start":1910.235,"end":1912.715,"sentiment":"neutral","sentiment_score":0.03620190856357416},{"text":"First of all, my daughter's name is spelled incorrectly, and my brother's name is my brother's name is not your brother.","start":1912.715,"end":1920.415,"sentiment":"neutral","sentiment_score":-0.07197733083739877},{"text":"So I again, it's yeah.","start":1922.4299,"end":1925.4099,"sentiment":"neutral","sentiment_score":-0.12371301278471947},{"text":"It's it's that's that's not gonna yeah.","start":1925.5499,"end":1928.9099,"sentiment":"neutral","sentiment_score":-0.043777382533465116},{"text":"You can imagine if I died and they're like, oh, yeah.","start":1928.9099,"end":1931.7899,"sentiment":"neutral","sentiment_score":-0.07611915977163748}],"sentiment":"neutral","sentiment_score":-0.06113259990699589,"num_words":50,"start":1910.235,"end":1931.7899},{"sentences":[{"text":"Your brother.","start":1931.7899,"end":1932.35,"sentiment":"neutral","sentiment_score":-0.053092289716005325},{"text":"I'm like, is that your name?","start":1932.35,"end":1933.6499,"sentiment":"neutral","sentiment_score":-0.026952102780342102},{"text":"Yeah.","start":1937.5449,"end":1938.0449,"sentiment":"neutral","sentiment_score":0.05408332496881485},{"text":"Yeah.","start":1938.105,"end":1938.265,"sentiment":"neutral","sentiment_score":0.03922644257545471},{"text":"Okay.","start":1938.265,"end":1938.765,"sentiment":"neutral","sentiment_score":0.07634983956813812}],"sentiment":"neutral","sentiment_score":-0.008930689909241417,"num_words":11,"start":1931.7899,"end":1938.765},{"sentences":[{"text":"Okay.","start":1946.025,"end":1946.525,"sentiment":"neutral","sentiment_score":0.004633348435163498},{"text":"Let's start with my daughter.","start":1946.9049,"end":1948.525,"sentiment":"neutral","sentiment_score":0.015068121813237667},{"text":"It's it's not it doesn't start with s.","start":1948.585,"end":1951.41,"sentiment":"neutral","sentiment_score":-0.01271581172477454},{"text":"It starts with c.","start":1951.41,"end":1952.93,"sentiment":"neutral","sentiment_score":-0.005309802170813782},{"text":"So c I a r r a.","start":1952.93,"end":1956.0701,"sentiment":"neutral","sentiment_score":0.007794732893151897}],"sentiment":"neutral","sentiment_score":0.00046285541087854654,"num_words":25,"start":1946.025,"end":1956.0701},{"sentences":[{"text":"And of course.","start":1959.25,"end":1961.89,"sentiment":"neutral","sentiment_score":0.11460530012845993},{"text":"Yep.","start":1961.89,"end":1962.39,"sentiment":"neutral","sentiment_score":0.07585279643535614},{"text":"Yeah.","start":1962.45,"end":1962.77,"sentiment":"neutral","sentiment_score":0.1961120367050171},{"text":"And my brother's, it's the last name is the same, but his his first name is Christopher, c h yeah.","start":1962.77,"end":1970.585,"sentiment":"neutral","sentiment_score":0.04922432489693165},{"text":"That's correct.","start":1973.9249,"end":1974.745,"sentiment":"neutral","sentiment_score":0.07432730123400688}],"sentiment":"neutral","sentiment_score":0.06477488273823703,"num_words":27,"start":1959.25,"end":1974.745},{"sentences":[{"text":"Yep.","start":1974.8049,"end":1975.3049,"sentiment":"neutral","sentiment_score":0.1233905553817749},{"text":"Yep.","start":1983.89,"end":1984.39,"sentiment":"neutral","sentiment_score":0.12619951367378235},{"text":"Okay.","start":1990.8501,"end":1991.3501,"sentiment":"neutral","sentiment_score":0.15462207794189453},{"text":"Okay.","start":1996.515,"end":1996.995,"sentiment":"neutral","sentiment_score":0.0465087890625},{"text":"So moving forward with regards to the nominees.","start":1996.995,"end":2000.135,"sentiment":"neutral","sentiment_score":0.03907211567275226}],"sentiment":"neutral","sentiment_score":0.06360815512016416,"num_words":12,"start":1974.8049,"end":2000.135},{"sentences":[{"text":"Right?","start":2000.595,"end":2001.095,"sentiment":"neutral","sentiment_score":0.018090130761265755},{"text":"Do I need to go and talk to a lawyer specifically and and send out that binding document?","start":2001.635,"end":2007.45,"sentiment":"neutral","sentiment_score":-0.010800078252537383},{"text":"Or how is this going to work?","start":2008.6499,"end":2010.09,"sentiment":"neutral","sentiment_score":-0.0041168783126132825},{"text":"Are you going to recommend me some something?","start":2010.09,"end":2011.69,"sentiment":"neutral","sentiment_score":-0.005780488369055092},{"text":"This is something I I kinda yeah.","start":2011.69,"end":2014.4099,"sentiment":"neutral","sentiment_score":-0.06955028165663991}],"sentiment":"neutral","sentiment_score":-0.01800549523223464,"num_words":41,"start":2000.595,"end":2014.4099},{"sentences":[{"text":"I've been I know I've been a bit lazy on on this side of things.","start":2014.4099,"end":2017.69,"sentiment":"neutral","sentiment_score":-0.18321591317653657},{"text":"Right?","start":2017.69,"end":2018.19,"sentiment":"neutral","sentiment_score":-0.07136291265487671},{"text":"But what's what's so what's Uh-huh.","start":2018.33,"end":2033.905,"sentiment":"neutral","sentiment_score":-0.06404781291106094},{"text":"Yeah.","start":2035.0851,"end":2035.5851,"sentiment":"neutral","sentiment_score":0.05321544036269188},{"text":"Okay.","start":2043.3,"end":2043.8,"sentiment":"neutral","sentiment_score":0.08881694078445435}],"sentiment":"neutral","sentiment_score":-0.1275773377759227,"num_words":24,"start":2014.4099,"end":2043.8},{"sentences":[{"text":"Okay.","start":2049.22,"end":2049.3801,"sentiment":"neutral","sentiment_score":0.03426467254757881},{"text":"Okay.","start":2049.3801,"end":2049.8801,"sentiment":"neutral","sentiment_score":0.02811241149902344},{"text":"Please.","start":2059.375,"end":2059.8552,"sentiment":"neutral","sentiment_score":-0.009616296738386154},{"text":"I please, can can you have him call me?","start":2059.8552,"end":2063.215,"sentiment":"neutral","sentiment_score":-0.09686196512646145},{"text":"Because like I like I said before, I've been procrastinating.","start":2063.215,"end":2066.29,"sentiment":"neutral","sentiment_score":-0.18278035297989845}],"sentiment":"neutral","sentiment_score":-0.12030911039222371,"num_words":22,"start":2049.22,"end":2066.29},{"sentences":[{"text":"It's been in the math of my mind, but I haven't done anything today.","start":2066.67,"end":2069.15,"sentiment":"neutral","sentiment_score":-0.23685698051537787},{"text":"So I wanna get this sorted.","start":2069.15,"end":2070.69,"sentiment":"neutral","sentiment_score":0.03178101684898138},{"text":"So I appreciate your help.","start":2071.23,"end":2072.77,"sentiment":"positive","sentiment_score":0.5884609460830689},{"text":"Mhmm.","start":2079.375,"end":2079.875,"sentiment":"neutral","sentiment_score":0.06010669097304344},{"text":"Yep.","start":2080.895,"end":2081.395,"sentiment":"neutral","sentiment_score":0.07339844107627869}],"sentiment":"neutral","sentiment_score":-0.0018333986539531637,"num_words":27,"start":2066.67,"end":2081.395},{"sentences":[{"text":"Yep.","start":2094.0151,"end":2094.45,"sentiment":"neutral","sentiment_score":0.027226313948631287},{"text":"Mhmm.","start":2106.77,"end":2107.27,"sentiment":"neutral","sentiment_score":0.000634271651506424},{"text":"Great.","start":2115.4648,"end":2115.9648,"sentiment":"positive","sentiment_score":0.37339335680007935},{"text":"Yep.","start":2116.1848,"end":2116.585,"sentiment":"neutral","sentiment_score":0.24743008613586423},{"text":"That does.","start":2116.585,"end":2117.145,"sentiment":"positive","sentiment_score":0.3600872606039047}],"sentiment":"neutral","sentiment_score":0.2281430916239818,"num_words":6,"start":2094.0151,"end":2117.145},{"sentences":[{"text":"That's perfect.","start":2117.145,"end":2117.9648,"sentiment":"positive","sentiment_score":0.6694623231887817},{"text":"Perfect.","start":2118.505,"end":2119.005,"sentiment":"positive","sentiment_score":0.6114650964736938},{"text":"Okay.","start":2151.54,"end":2152.04,"sentiment":"neutral","sentiment_score":0.09593455493450163},{"text":"Yes.","start":2163.725,"end":2164.0452,"sentiment":"neutral","sentiment_score":0.12928304076194763},{"text":"It does.","start":2164.0452,"end":2164.865,"sentiment":"neutral","sentiment_score":0.15730544179677963}],"sentiment":"positive","sentiment_score":0.3557454603058951,"num_words":7,"start":2117.145,"end":2164.865},{"sentences":[{"text":"Yep.","start":2165.325,"end":2165.825,"sentiment":"neutral","sentiment_score":0.2093421220779419},{"text":"Okay.","start":2167.325,"end":2167.825,"sentiment":"positive","sentiment_score":0.3587287664413452},{"text":"Anything else?","start":2169.405,"end":2170.3052,"sentiment":"neutral","sentiment_score":0.09567811340093613},{"text":"Yep.","start":2170.445,"end":2170.945,"sentiment":"neutral","sentiment_score":0.035069115459918976},{"text":"Go ahead.","start":2171.165,"end":2171.825,"sentiment":"neutral","sentiment_score":-0.08922747895121574}],"sentiment":"neutral","sentiment_score":0.08800589612552098,"num_words":7,"start":2165.325,"end":2171.825},{"sentences":[{"text":"Yep.","start":2174.445,"end":2174.945,"sentiment":"neutral","sentiment_score":0.1412395536899567},{"text":"Mhmm.","start":2191.6902,"end":2192.085,"sentiment":"neutral","sentiment_score":0.0607195608317852},{"text":"Yeah.","start":2201.365,"end":2201.865,"sentiment":"neutral","sentiment_score":0.024265293031930923},{"text":"Okay.","start":2206.44,"end":2206.94,"sentiment":"neutral","sentiment_score":0.055072009563446045},{"text":"No worries.","start":2207.16,"end":2207.98,"sentiment":"neutral","sentiment_score":0.14487189054489136}],"sentiment":"neutral","sentiment_score":0.09517336636781693,"num_words":6,"start":2174.445,"end":2207.98},{"sentences":[{"text":"3,000 of 3,003 thousand $8.60.","start":2208.44,"end":2212.1199,"sentiment":"neutral","sentiment_score":0.037247284315526485},{"text":"Right?","start":2212.1199,"end":2212.44,"sentiment":"neutral","sentiment_score":0.02807932160794735},{"text":"Is that is that the annual amount?","start":2212.44,"end":2214.06,"sentiment":"neutral","sentiment_score":0.011564646448407854},{"text":"Right.","start":2217.8,"end":2218.28,"sentiment":"neutral","sentiment_score":0.06002688780426979},{"text":"Okay.","start":2218.28,"end":2218.78,"sentiment":"neutral","sentiment_score":0.06208351254463196}],"sentiment":"neutral","sentiment_score":0.027825244578222434,"num_words":15,"start":2208.44,"end":2218.78},{"sentences":[{"text":"Mhmm.","start":2233.165,"end":2233.665,"sentiment":"neutral","sentiment_score":0.06477373838424683},{"text":"Okay.","start":2256.905,"end":2257.405,"sentiment":"neutral","sentiment_score":0.07132944464683533},{"text":"No worry.","start":2257.465,"end":2257.865,"sentiment":"neutral","sentiment_score":0.12059330195188522},{"text":"I mean, look happy to pay for it as long as I'm making I'm I'm increasing my my super at the end of the year.","start":2257.865,"end":2264.3801,"sentiment":"neutral","sentiment_score":0.2531597235798836},{"text":"Right?","start":2264.3801,"end":2264.54,"sentiment":"neutral","sentiment_score":0.03882226720452309}],"sentiment":"neutral","sentiment_score":0.2248368381212155,"num_words":30,"start":2233.165,"end":2264.54},{"sentences":[{"text":"There's no point of doing this whole thing.","start":2264.54,"end":2266.46,"sentiment":"neutral","sentiment_score":-0.30356284976005554},{"text":"And if we don't not gonna go anywhere with it.","start":2266.46,"end":2268.72,"sentiment":"neutral","sentiment_score":-0.2042204812169075},{"text":"So yep.","start":2269.26,"end":2274.08,"sentiment":"neutral","sentiment_score":-0.00678773224353791},{"text":"Sounds good.","start":2285.1548,"end":2285.875,"sentiment":"positive","sentiment_score":0.5405804812908173},{"text":"Okay.","start":2285.875,"end":2286.375,"sentiment":"neutral","sentiment_score":0.22088560461997983}],"sentiment":"neutral","sentiment_score":-0.13835810902326004,"num_words":23,"start":2264.54,"end":2286.375},{"sentences":[{"text":"No worries.","start":2286.4348,"end":2287.095,"sentiment":"neutral","sentiment_score":0.2995482310652733},{"text":"Great.","start":2300.71,"end":2301.21,"sentiment":"positive","sentiment_score":0.692789614200592},{"text":"Alright.","start":2301.35,"end":2301.75,"sentiment":"positive","sentiment_score":0.4868842959403992},{"text":"So, Dana, thank you very much.","start":2301.75,"end":2303.27,"sentiment":"positive","sentiment_score":0.672247052192688},{"text":"I'll wait for your updated copy.","start":2303.27,"end":2305.9302,"sentiment":"neutral","sentiment_score":0.21267679085334143}],"sentiment":"positive","sentiment_score":0.44301958940923214,"num_words":16,"start":2286.4348,"end":2305.9302},{"sentences":[{"text":"You too.","start":2312.823,"end":2313.223,"sentiment":"positive","sentiment_score":0.4843621701002121},{"text":"Thank you, Dana.","start":2313.223,"end":2314.123,"sentiment":"positive","sentiment_score":0.6432689825693766},{"text":"Alright then.","start":2314.183,"end":2315.003,"sentiment":"positive","sentiment_score":0.4130464494228363},{"text":"Bye bye.","start":2315.463,"end":2316.103,"sentiment":"neutral","sentiment_score":0.16842883080244064},{"text":"Bye.","start":2316.103,"end":2316.603,"sentiment":"neutral","sentiment_score":-0.09426996856927872}],"sentiment":"positive","sentiment_score":0.3967211879789829,"num_words":10,"start":2312.823,"end":2316.603}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Hello?\n\nChannel 0: Hi, Aladia. It's Dana from Oakview Financial. How are you this afternoon?\n\nChannel 1: Good. How are you, Dana?\n\nChannel 0: I'm very well. Thank you. Did you have a good Christmas and New Year's?\n\nChannel 1: Yep. Yeah. Very good,\n\nChannel 0: Yep.\n\nChannel 1: actually.\n\nChannel 0: Oh, fantastic.\n\nChannel 1: Yeah.\n\nChannel 0: I had you booked in. I've updated an advice piece for you. I just wanted to go through it with you today. Is now still a good time for\n\nChannel 1: Yep. Yep.\n\nChannel 0: you? Yep. Fantastic. I'm gonna send you the documents to you via email. Are you able to log in to your emails and grab that one, or did you want me just to run through it and send through it later?\n\nWhat's your preference for this?\n\nChannel 1: I can, but I'm looking at it on a on a small phone. So you can send it across, but\n\nChannel 0: Okay.\n\nChannel 1: I won't\n\nChannel 0: Yep.\n\nChannel 1: be able to look at\n\nChannel 0: Review\n\nChannel 1: it fully\n\nChannel 0: it.\n\nChannel 1: until later\n\nChannel 0: That's\n\nChannel 1: on.\n\nChannel 0: that's absolutely okay. What I can what I can do for you, I will email it through to you so it's there for you.\n\nChannel 1: Yep.\n\nChannel 0: I can just run through the recommendations, maybe touch on the parts that I need to touch on for you whilst\n\nChannel 1: Yep.\n\nChannel 0: hoping\n\nChannel 1: Okay.\n\nChannel 0: for hopefully, not giving you too much information to take in. And then you can review that one a little bit later there for you. Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: Beautiful.\n\nChannel 1: That sounds good.\n\nChannel 0: Lovely. Now, Ladi, moving forward, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Yep. Fantastic. And I'll just do security there with you as well. I am discussing your personal information. So I'll just confirm your full name, date of birth, and address I should have on file.\n\nChannel 1: Yeah. Eladio Villaflor, '20\n\nChannel 0: Yep.\n\nChannel 1: April, and it's\n\nChannel 0: Yep.\n\nChannel 1: on 25 Coburn Road, South Fremantle, WA 616\n\nChannel 0: Beautiful.\n\nChannel 1: two.\n\nChannel 0: Lovely. Thank you so much for that. So, Lardia, with the advice piece, we did your annual review late last year. I do apologize. I have been a little bit late coming.\n\nThe good thing about this is once I have the advice document ready to go earlier this year, we actually stopped and went back and rejigged it a little bit. So you've probably noticed there's been some changes in the markets. Things are a little bit up and down at the moment.\n\nChannel 1: Mhmm.\n\nChannel 0: So we've gone back and reviewed, obviously, your goals with regards to your super, your retirement goals there. I've made some recommendations, but also looking at altering the portfolio for you as well as we have kind of noticed there has been some changes in the market, and we do wanna\n\nChannel 1: Yep.\n\nChannel 0: look at maybe moving some underperforming investments and looking at moving you into something a bit more passive and low cost as well. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: So with this advice piece, it is sort of structured to essentially just your super as the main the main area that we are looking to scope in. Essentially, you wanted to be able to access super at around about 62 to 63. Your target balance at that time when you're accessing is you kinda wanted to reach between 350,000 to 500,000. So\n\nChannel 1: That's\n\nChannel 0: we've looked\n\nChannel 1: right.\n\nChannel 0: at kind of, yeah, we've looked at kind of what to do to sort of help you along to to, you know, keep you on track towards that goal. It is really important that when we are looking at market and market reactions and and projections that these are just projections. So we'll keep reviewing things moving forward to sort of keep you along. And as we need to update the advice, please, we'll absolutely look at doing that for you. Okay?\n\nChannel 1: Okay.\n\nChannel 0: I've also scoped in the estate planning side of things. So when we sort of spoke, you didn't have a will, but you did wanna make sure that your beneficiary nominations were completed so that the benefit in the event of passing could be paid out to your girlfriend, Lynn, also your daughter, Sierra, and you wanted your brother as the other beneficiary there. So I have as part of the advice included the estate planning side of things to make sure that your beneficiary nominations on your super are set up correctly to benefit your beneficiaries in the right way and also making a recommendation that you speak to a solicitor to have a will and power of attorney drawn up because they're also very important. Okay?\n\nChannel 1: Yep. Okay.\n\nChannel 0: Because we are looking at your estate planning as as sorry. As your super and your retirement goals, I've also factored in just a limited scope of your retirement aspect. So you're a little bit further out than what we'd like to be able to really look at the drawdown aspect in retirement, but I can, on a limited basis, factor in the retirement, which essentially was not recommending a certain drawdown. It is looking\n\nChannel 1: Yep.\n\nChannel 0: at the long term effect of the recommendations that we're making and looking at where we hope to end up based on these recommendations. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Areas that we've scoped out for now are insurances. So you are comfortable with the level of cover that you have. Didn't wanna look at getting any new cover at all. Just wanted to retain what you have for the time being. Super is kind of your main goal.\n\nHere you are working towards retirement and getting closer to that, and that was something that we discussed that was really important to you. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: And then scoping out any additional areas of debt management and cash flow and budgeting, we can help you and provide additional advice down the track in those sorts of areas, but they have been stripped out of this advice piece for you at the moment. Okay?\n\nChannel 1: Okay. Yep. Perfect.\n\nChannel 0: On the front page of that, when you are looking at the advice document, it does have your lovely name there, and it also lets you know that the advice has been structured and done by myself, Dana Taylor. My authorized representative number, if you ever wanted to look that up, is 1304394. And I'm an authorized representative under Oakview Financial, registered with ASIC. Okay?\n\nChannel 1: Fantastic.\n\nChannel 0: Perfect. So to jump into the recommendations there for you, so what I am actually recommending, sorry, is that because you are about seven years out of that age 63 mark, six\n\nChannel 1: Mhmm.\n\nChannel 0: years away from age 62, I have had a bit of a look at the super fund. I am recommending that you do stay within Hub twenty four. Hub twenty four is still a great platform. It is still working for you, and there's no sort of need to change the platform at the moment. I am,\n\nChannel 1: Okay.\n\nChannel 0: however, recommending that we alter your portfolio. So you were in an an older, high growth portfolio. You were still comfortable staying at high growth environment for maybe another year, but you\n\nChannel 1: Mhmm.\n\nChannel 0: wanted to sort of look at something a bit more passive. And since this year coming back, there has been some changes in the market conditions with what is happening out there globally.\n\nChannel 1: Yeah.\n\nChannel 0: So I\n\nChannel 1: Yep.\n\nChannel 0: have gone back and reviewed the investment portfolio to look at how we make a recommendation to alter that for you. So when you are reviewing the document here, down on page number 19, you will see essentially what we are looking at buying and selling. So out of your old portfolio, we are removing the ban along Australian equities. That investment\n\nChannel 1: Mhmm.\n\nChannel 0: in the last couple of months has been underperforming. So I wanted to\n\nChannel 1: Yeah.\n\nChannel 0: remove that, and I figured doing it all as one advice piece as much as it's kinda been a bit longer since we last spoke. If\n\nChannel 1: Mhmm.\n\nChannel 0: I had provided the first advice and gone back and redone it, it's basically incorporating two of the exact same advice pieces. So it was better to go back, restructure the investments, and provide everything to you now as one big advice piece so you can see everything as a whole. Does that make sense?\n\nChannel 1: Yeah. Is that a statement of advice by any chance?\n\nChannel 0: It is. Yeah.\n\nChannel 1: Yeah. Okay. Let me have a look here to see\n\nChannel 0: You're\n\nChannel 1: if it\n\nChannel 0: right.\n\nChannel 1: is.\n\nChannel 0: Does\n\nChannel 1: Yeah.\n\nChannel 0: it come through\n\nChannel 1: It it\n\nChannel 0: for\n\nChannel 1: sounds\n\nChannel 0: you?\n\nChannel 1: like I mean, it sounds like a solid decision on that one. Again, just based on the geopolitical, I mean, guess what's happening right now with the war,\n\nChannel 0: Absolutely. Absolutely.\n\nChannel 1: I'm probably going to lean more into something more stable. Something\n\nChannel 0: Yeah.\n\nChannel 1: something that I I won't be able to lose my my investments\n\nChannel 0: Yeah.\n\nChannel 1: overnight. Mhmm.\n\nChannel 0: Understandable.\n\nChannel 1: Yeah.\n\nChannel 0: When you when you go have that open, if you're looking at page number 19, that's kinda where\n\nChannel 1: Yep.\n\nChannel 0: I am at the moment just\n\nChannel 1: 19.\n\nChannel 0: so we can run through the changes in the investment portfolio\n\nChannel 1: Yeah.\n\nChannel 0: for\n\nChannel 1: Go\n\nChannel 0: you.\n\nChannel 1: for it.\n\nChannel 0: Yeah.\n\nChannel 1: Go\n\nChannel 0: Beautiful.\n\nChannel 1: for it.\n\nChannel 0: So as I kinda mentioned, Bennelong has been underperforming a bit, so we are removing that investment as a whole. With their underperformance, the investment committee have met. We've decided as the business is no longer beneficial for you, so you'll see completely selling you out of that.\n\nChannel 1: Mhmm.\n\nChannel 0: We're\n\nChannel 1: Yeah.\n\nChannel 0: also gonna be removing out of the battery and lithium tech. Look, it has been a good area, but it is it was in this portfolio as more of a sector where we're looking to get higher growth and can be quite volatile.\n\nChannel 1: Mhmm.\n\nChannel 0: Okay?\n\nChannel 1: Yeah. Great. Yep.\n\nChannel 0: Yeah. We're also looking to sell completely out of the agriculture you have in the the beta the beta shares global agriculture sector. It has been\n\nChannel 1: Mhmm.\n\nChannel 0: very good moving forward, but, again, this was something that was in the back a while ago and now has sort of been assessed as being possibly removed and looking at other areas to seek future growth. We are\n\nChannel 1: Yep.\n\nChannel 0: keeping a bit of cybersecurity. It is still a really important area moving forward, but we are just gonna rebalance it a little bit so you'll have a little\n\nChannel 1: Okay.\n\nChannel 0: bit more cybersecurity than what you currently have. With the Asia fifty, we're gonna remove you out of that completely and sell that off. We're gonna buy into the iShares European. So whilst there is a bit of volatility out there, the European market is still really important. This encompasses all the European countries.\n\nSo you are looking at diversification within that investment area, and it's a really good place to be at the moment. The s and p 500. So whilst there is a bit of volatility and a lot of uncertainty around The US equities, it is still really important to have US exposure. Whilst there's short term volatility now, long term, investing within The US does outperform and provide great potential growth there. So we are looking to keep you in the S and P 500, and we're just gonna increase that exposure a little bit.\n\nOkay?\n\nChannel 1: Okay. Now may I ask you, what's\n\nChannel 0: Sure.\n\nChannel 1: if you're going to take up this stuff in a portfolio, right, I mean, you could see already been along.\n\nChannel 0: Yeah.\n\nChannel 1: Equicent is my largest one down here. What what are\n\nChannel 0: Yeah.\n\nChannel 1: you going to use those funds and allocate those to?\n\nChannel 0: The Bennelong? Absolutely. So on the bottom of that table, the second one from the bottom, you'll see the beta shares a 200. So Bennelong was originally put in there as more of an actively managed component. So we're gonna sell that off and move that component into the BetaShares a 200.\n\nChannel 1: I see.\n\nChannel 0: It's still giving you access to the Australian share market, the top 200 companies on on the ASX, But this\n\nChannel 1: Mhmm.\n\nChannel 0: is more of a passively managed fund. It's set to track an index. It follows the top 200 companies on the ASX there. And, essentially, the best thing about between a 200 and the S and P 500 is that they're there to track the top 200 companies\n\nChannel 1: That's\n\nChannel 0: in\n\nChannel 1: right.\n\nChannel 0: Australia or the top 500 in The US. So because they start tracking a certain index and a set amount of companies, it's not telling you exactly what companies you have to follow. So with the top 200, in order for them to be in the index, they have to meet certain criteria. And so the, you know, the builder of the index is the investment committees around each of the indexes. They tend to meet on a quarterly basis, and they assess\n\nChannel 1: Okay.\n\nChannel 0: the companies that should be in these indexes. If these companies don't meet the criteria, they are removed out and other companies are\n\nChannel 1: Yep.\n\nChannel 0: moved into their place. So you are\n\nChannel 1: Yep.\n\nChannel 0: always invested in the top 200 companies on the ASX and the top 500 within The US. So it's kind of giving you a little bit more certainty that you are always following the top companies in those indexes.\n\nChannel 1: Yep.\n\nChannel 0: So the risk of those companies going bust and then that money going bust is minimized that way for you, if that\n\nChannel 1: Yeah.\n\nChannel 0: makes sense.\n\nChannel 1: Now is\n\nChannel 0: Yeah.\n\nChannel 1: in this PDF there, is is it laid out exactly where where you're reallocating? I mean, obviously, the next big one is the Vanguard Divisional Conservative.\n\nChannel 0: Yeah.\n\nChannel 1: What\n\nChannel 0: Yep.\n\nChannel 1: else here? It's the ISH Asia. And I I mean, I agree with the battery tech also. Right now, lithium is not\n\nChannel 0: Yeah.\n\nChannel 1: producing. It's\n\nChannel 0: Yeah.\n\nChannel 1: down.\n\nChannel 0: So\n\nChannel 1: So I just just wanna\n\nChannel 0: correct.\n\nChannel 1: find out how what are you gonna reallocate those two so that we I can get the\n\nChannel 0: Yep.\n\nChannel 1: most out of my the money on\n\nChannel 0: You're right.\n\nChannel 1: anything.\n\nChannel 0: So you can\n\nChannel 1: So\n\nChannel 0: totally see that essentially. So by selling off the ones in red there, the ones in green are where we're buying into. So it's not about reallocating exactly that amount of money. They've kinda got the portfolio, and we've worked out what percentage the recommended weighting should be. By\n\nChannel 1: Yes.\n\nChannel 0: selling those investments in red, we're reallocating the funds in line with the recommended weighting so that you're buying into the ones that you don't currently have and just rebalancing the ones that you currently hold that we are keeping. Does that\n\nChannel 1: Mhmm.\n\nChannel 0: make\n\nChannel 1: Okay.\n\nChannel 0: sense?\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: It does. It does.\n\nChannel 0: And then the recommended balance at the end shows you how much you should have in weighted as a dollar\n\nChannel 1: Yep.\n\nChannel 0: figure in each of those investments once we've completed those buyers. So you'll still keep some physical gold. Sorry. You don't have any at the moment. We are adding physical gold.\n\nI do\n\nChannel 1: Yeah.\n\nChannel 0: apologize.\n\nChannel 1: I'm I'm with the price of it, that's that's coming up down there. I mean, you can see already it's just ridiculous, and that's gone up a lot.\n\nChannel 0: Absolutely. Yeah. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: So having some physical gold in there is\n\nChannel 1: Mhmm.\n\nChannel 0: great. You'll have some a 200, so Australian 200 exposure. The Vanguard All World x US,\n\nChannel 1: Yep.\n\nChannel 0: so this is giving you exposure to the entire world minus US because you have the S and P 500 in there as well. We're keeping a little bit of Japanese exposure. It is still a really good area to have. And, historically, Japan has moved not so much in unison with Australia and US markets. It tends to move a little bit separately, which has been\n\nChannel 1: Mhmm.\n\nChannel 0: an advantage\n\nChannel 1: Okay.\n\nChannel 0: in the past. Keeping some S and P 500 and way re wasting it a little bit, keeping some European exposure there, keeping some cybersecurity. And on the next page, you'll see\n\nChannel 1: Yep.\n\nChannel 0: the BetaShares Bank hybrid. So\n\nChannel 1: Yes.\n\nChannel 0: you\n\nChannel 1: Yep.\n\nChannel 0: don't have any of these. These are more of a defensive investment. Having these in your portfolio at the moment is still a benefit. It's important to have some low risk defensive investments\n\nChannel 1: Yep.\n\nChannel 0: for cash for burn producing, but also when equities don't do so well, having defensive investments like these bank hybrids works in your advantage. They're cash producing\n\nChannel 1: Okay.\n\nChannel 0: at lower risk, and then having some physical gold helps as well. Okay? Yeah.\n\nChannel 1: Yep. Just out of curiosity, obviously, is this\n\nChannel 0: Yeah.\n\nChannel 1: port I I think, yeah, we did. If this is reviewed every single year, right, or it can\n\nChannel 0: Yes.\n\nChannel 1: can it be reviewed every single six months or three months\n\nChannel 0: Yeah.\n\nChannel 1: to see how\n\nChannel 0: Absolutely.\n\nChannel 1: it's performing and then\n\nChannel 0: Yeah.\n\nChannel 1: pick\n\nChannel 0: Absolutely.\n\nChannel 1: yeah.\n\nChannel 0: We\n\nChannel 1: Okay.\n\nChannel 0: can do a\n\nChannel 1: Great.\n\nChannel 0: catch up every six months if you want to. I can do one every three months. Generally, in the shorter term around every month to three months, you don't see as big a changes.\n\nChannel 1: No.\n\nChannel 0: But if you\n\nChannel 1: No.\n\nChannel 0: wanted to, I could organize a catch up with you once every six months where we have a look at what your portfolio is doing, how it's performing, and then sort of look at, you know, rejigging it if we need to. Does that as well as doing your annual review because we do that every year as well.\n\nChannel 1: Okay. Yeah. I'd like\n\nChannel 0: Yeah.\n\nChannel 1: that. Again, I I wanna continue to adjust it so I get the maximum amount out of of\n\nChannel 0: Mhmm.\n\nChannel 1: my investments right now. Right?\n\nChannel 0: Yep.\n\nChannel 1: Since I have it's not a lot huge,\n\nChannel 0: Yeah.\n\nChannel 1: but if I start if I work right now and just continue reviewing it to see how it's performing, then hopefully, by the end of the year, we'll at least get it closer to to 2\n\nChannel 0: Yep.\n\nChannel 1: 2\n\nChannel 0: Yeah.\n\nChannel 1: 100 instead of\n\nChannel 0: Absolutely.\n\nChannel 1: instead of it's a bit static. If you notice, I mean, my investment has has just been it's just been like a bear.\n\nChannel 0: Yeah. Yes.\n\nChannel 1: Just, like, jumping up and down within within the $1.70 mark. Right? And\n\nChannel 0: Yeah.\n\nChannel 1: I wanna\n\nChannel 0: Yeah.\n\nChannel 1: see if I could improve\n\nChannel 0: Need\n\nChannel 1: that.\n\nChannel 0: to crack that a little bit. Absolutely. And\n\nChannel 1: Yeah.\n\nChannel 0: that does also bring me to the other recommendation with regard to this.\n\nChannel 1: Mhmm.\n\nChannel 0: Now I am also recommending that you do start a salary sacrifice arrangement there, that we\n\nChannel 1: Okay.\n\nChannel 0: do increase your contributions in. It is completely up to you as to whether you do this or not. However, when I kind of rang the ran the retirement scenarios looking and projecting everything out, in order to get you to that kind of mark, because of the market volatility we are seeing, we did need to maybe increase your contributions a bit there as well.\n\nChannel 1: Mhmm.\n\nChannel 0: So\n\nChannel 1: Okay.\n\nChannel 0: I am recommending that you increase your salary sacrificing about a $150 on a weekly basis if it's working within your budget. One of the things I talked about was rejecting, yeah, just letting you know what we needed to do to kinda get to that point and then to come back as part of the advice, and you can review that and tell me whether you're comfortable taking that on board. You can start with a lesser amount and kinda build that up. But the main reason I'm starting that recommendation now is because we are seeing the volatility. Adding a you know, your super balance.\n\nAnd as the market's come out, I just see recovery. Adding more money in is only gonna provide a greater advantage. It is better to add the salary sacrifice now as opposed to waiting for another three or five years down the track. Because if you think about a $100 compounding over ten years or compounding over six or seven years, it has a much greater effect than if you were sort of having a $100 compound over three or four years. So starting salary sacrifice now is really important.\n\nAnd when I projected out as per, you'll see on page number 13 there. With the changes in the investment structure, the newer investment portfolio is actually cheaper, saving you about $4,546 for the first year in investment fees, which is a great saving. It's also saving you about $82 and any other fees applicable to the fund there, which again is really good. And increasing your contributions by that $150 on a weekly basis in the super provides a greater longevity effect. With the way the portfolios have performed, on the bottom of that table, you'll see the five year rolling average here.\n\nNow I, by no means, expect that you're gonna get 19% out of this portfolio on every single year. I've actually got\n\nChannel 1: Mhmm.\n\nChannel 0: on the next page a more conservative projection there for you. So because I don't think you're gonna get 19% every year, if you were able to get 19% every year up to the next seven years, you could see yourself with over $600,000 in super in the next seven years, which would be fantastic. However,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: the way I'm sort of projecting it out on a more conservative level is by with, say, an average rate of return looking at about we've done about a 8% return with your increase in salary sacrifice plus your current contributions. You would actually expect to have over 370,000 in the next seven years. So I'd expect you to end up between the 370,000 to about 500,000, which is kind of where your goal is, and this\n\nChannel 1: Yep.\n\nChannel 0: recommendation sort of puts you in that in that bracket around your retirement years given the different market conditions. I\n\nChannel 1: Okay.\n\nChannel 0: do wanna\n\nChannel 1: So\n\nChannel 0: look in yeah. You're right.\n\nChannel 1: okay. So the question is, do I just need to go through my my employer to basically ask for salary sacrifice to this amount by any chance? How\n\nChannel 0: Yeah. So we can provide\n\nChannel 1: does\n\nChannel 0: a\n\nChannel 1: that\n\nChannel 0: letter\n\nChannel 1: work then?\n\nChannel 0: that's okay.\n\nChannel 1: Yep.\n\nChannel 0: We can provide a letter for you which outlines all the information. We can email that to you as part of the implementation, and then you just hand that to your payroll or to your employer, and they will just\n\nChannel 1: Yes.\n\nChannel 0: start the salary sacrifice with your income. Yeah.\n\nChannel 1: Okay. So I've got two scenarios here. Okay? So\n\nChannel 0: Yeah. Sure.\n\nChannel 1: with with with the $150 a week salary sacrifice, what\n\nChannel 0: Yep.\n\nChannel 1: what are the analytics in seven years' time, let's just say, that's projected? So you're saying around close to $370,000 to $500,000 depending on what the market\n\nChannel 0: Yeah.\n\nChannel 1: dictates?\n\nChannel 0: Yeah. Correct. So when I did the on the page number 14 there, you'll see my conservative projected amount because I don't\n\nChannel 1: I\n\nChannel 0: you're\n\nChannel 1: see.\n\nChannel 0: not gonna get 19% every year. Markets don't\n\nChannel 1: Yep.\n\nChannel 0: work that well, unfortunately. You will\n\nChannel 1: Yep.\n\nChannel 0: get years where you'd probably get that amount, but you're also gonna see lower rates of return. So this is assuming a conservative rate of return of about 8%, which is utilizing your risk profile return. And because you are closer to those retirement years, that's probably more appropriate for\n\nChannel 1: Yep.\n\nChannel 0: you. So based on your\n\nChannel 1: Right.\n\nChannel 0: current balance, receiving a regular 8% return on a yearly basis and including your current contributions plus salary sacrifice,\n\nChannel 1: Yep.\n\nChannel 0: we can\n\nChannel 1: Yep.\n\nChannel 0: estimate or assume a a total super balance of around about 376,000 in retirement years. I'll I'll kinda wanna boost on that and try and get a higher than that, but this is showing you a reasonable projection on a conservative rate of return. And then the top option in that recommended table, that is showing you if you were able to get that 19% every year out of the portfolio, this is where you could end up. So I'm likely expecting to see you in between those two figures, which essentially is where your goal is at, but we\n\nChannel 1: Yep.\n\nChannel 0: wanna make sure we're building and boosting on that. So starting salary sacrifice can can help us to build on those, but this is kinda showing you the degree of where we'd expect you to be around those retirement years. Does that make sense?\n\nChannel 1: Yes. So I'm just calculating here. So one that's basically $600, right, a month times 12. So 7,200 a year times, let's say, seven years, $50,000. Now what if I were to increase that to a $175 a week times four?\n\nChannel 0: Yeah. You absolutely could there. I'm just double checking. So when we look at because we wanna make sure you don't exceed the cap in any way,\n\nChannel 1: Yeah.\n\nChannel 0: shape,\n\nChannel 1: That's\n\nChannel 0: or form,\n\nChannel 1: correct.\n\nChannel 0: the concessional\n\nChannel 1: Yep.\n\nChannel 0: cap. So your income, you've got a 159,000 there at the moment. I'm just gonna pop that into the the pay calculator I have here just to\n\nChannel 1: Yeah.\n\nChannel 0: have a look at the the cap space we have. The $1.59. Beautiful. Are you expecting an increase anytime soon?\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Beautiful.\n\nChannel 1: yeah. That's the thing, though. Yep.\n\nChannel 0: That's okay. So looking at the current concessional contribution cap and your current $1.59 income, you have capped space of about $210 on a weekly basis. So you can increase\n\nChannel 1: Oh,\n\nChannel 0: that\n\nChannel 1: okay.\n\nChannel 0: to a 170 if you wanted to. It's absolutely\n\nChannel 1: Yep.\n\nChannel 0: fine.\n\nChannel 1: Yep.\n\nChannel 0: And we do review this with you. So you and I will catch up. We'll do we'll review the contributions\n\nChannel 1: Yep.\n\nChannel 0: you're putting in, what your cap base looks like, you know, what the super's done in that time frame, you know, whether we need to take advantage of down times and what we're looking at as we get closer and closer. Because you do have quite a bit that you were able to save on a regular basis. So if you\n\nChannel 1: Yeah.\n\nChannel 0: wanna increase that to $1.70, you absolutely can. I just\n\nChannel 1: Yep.\n\nChannel 0: wanted to make it a conservative recommendation so I'm not eating away all of your excess funds and showing you that this is what we needed to do to kinda get you into that gap for what you're after in retirement, but we can always build and exceed\n\nChannel 1: Yep.\n\nChannel 0: on that if we need to.\n\nChannel 1: Yeah.\n\nChannel 0: And and yeah.\n\nChannel 1: We\n\nChannel 0: Perfect.\n\nChannel 1: can't change it though at at the end of the at the, like, let's say in six months time, we could catch up\n\nChannel 0: Yep.\n\nChannel 1: and say, hey. It's it's\n\nChannel 0: Absolutely.\n\nChannel 1: chewing in too much into my salary. But\n\nChannel 0: Yep.\n\nChannel 1: currently right now, I'm I'm quite comfortable with that amount.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: So, yeah, that'd be good.\n\nChannel 0: Absolutely.\n\nChannel 1: Can you draft with me a letter by chance and just so I\n\nChannel 0: Yeah.\n\nChannel 1: can present this to my HR?\n\nChannel 0: Yeah. Absolutely. So once you sign the advice and return it back to me,\n\nChannel 1: Okay.\n\nChannel 0: if you want, you can always on the very last page, we've got a little note box. You can just\n\nChannel 1: Yep.\n\nChannel 0: say that you wanna increase the sales back $1.70. And as soon as I get that back, I'll get my team to draft up a letter for you and send it through. It shouldn't be a problem. Okay?\n\nChannel 1: Okay. No worries.\n\nChannel 0: Yep.\n\nChannel 1: No worries.\n\nChannel 0: Beautiful.\n\nChannel 1: Oh, yep. Sounds good.\n\nChannel 0: Excellent. That's okay. The only other thing to kind of point out with regard to these investment changes and these recommendations are we sort of talked through the advantages of it. It is a lower cost in investment fees, which is an advantage. It's less fees.\n\nWe have more money back in your super fund than working\n\nChannel 1: Fantastic.\n\nChannel 0: compounding higher towards your retirement goals, which is fantastic and great. We also do factor in the CDT consequences and the cost. So whenever we are switching investments, there are capital gains. So your super fund like, you do a tax return every year. Your super fund does a tax return every year as well.\n\nChannel 1: Okay.\n\nChannel 0: On that investment returns page, back on that page number 13, on the top corner, you'll see it does have a figure of $617. Essentially, with them changes as per the research, we estimate the CGT consequences to be about $617. So very little CGT, which is great because some of those\n\nChannel 1: Okay.\n\nChannel 0: underperform those funds have been underperforming. It's offsetting any gains to make a lot of those changes. So it has reduced\n\nChannel 1: Yep.\n\nChannel 0: the CGT as much as possible. Okay?\n\nChannel 1: Okay. Fantastic.\n\nChannel 0: Perfect.\n\nChannel 1: Yeah. 600\n\nChannel 0: This document,\n\nChannel 1: 70.\n\nChannel 0: that's okay. Sorry. This document does outline the best interest to you as well. We do make sure any advice provided is in your best interest. So I have a best interest statement in each of those recommendations that you're welcome to have a read through.\n\nIt just explains essentially, basically, what I've gone through that making the changes. The newer investment portfolio has seen a greater track record. It is lower cost, which is important, and increasing your contributions by way of salary sacrifice now as opposed to down the track has a greater projected outcome into retirement there for you. And the CGT is essentially offset. The CGT, we can justify because making these changes into a better portfolio, cheaper portfolio, essentially, you're saving you money.\n\nSo, you know, CGT now for a better outcome and down the track, essentially, if that\n\nChannel 1: Yeah.\n\nChannel 0: makes\n\nChannel 1: Yeah.\n\nChannel 0: sense. Yeah.\n\nChannel 1: Yeah. That sounds good.\n\nChannel 0: Excellent.\n\nChannel 1: Sounds good. So\n\nChannel 0: All\n\nChannel 1: I\n\nChannel 0: good.\n\nChannel 1: am just looking at just growth here. So what's the projection if I increase that to $1.70 then? Because right now you've got an estimate of $3.76. Target\n\nChannel 0: It let\n\nChannel 1: income\n\nChannel 0: I'll\n\nChannel 1: 70.\n\nChannel 0: you're right. I just have to go back into the back end system to see if I can throw that in there for you. Sorry.\n\nChannel 1: Yeah.\n\nChannel 0: Won't be two seconds.\n\nChannel 1: Thank you.\n\nChannel 0: Just something wrong with that one. Sorry. It won't be a moment. I'm just opening\n\nChannel 1: No\n\nChannel 0: up\n\nChannel 1: worries.\n\nChannel 0: the back end system. Just takes a moment. It's a little bit slow.\n\nChannel 1: Okay.\n\nChannel 0: What I can do, if you like, is I can go back and I can just get an updated one and email it to you after the call. Is that okay?\n\nChannel 1: Yep. That's fine. Just send\n\nChannel 0: That's\n\nChannel 1: just send\n\nChannel 0: alright?\n\nChannel 1: me an email to see what the changes are. I'll\n\nChannel 0: Yeah.\n\nChannel 1: I'll review the documents later on,\n\nChannel 0: Yeah. That's okay.\n\nChannel 1: if\n\nChannel 0: Not\n\nChannel 1: not\n\nChannel 0: a problem.\n\nChannel 1: by tomorrow.\n\nChannel 0: It's no. That's okay. It's not a problem. Just taking a little bit of time to open up, and I thought it might be easier if I just run it after the call for you and email it through so you've got that to review with the documents there.\n\nChannel 1: Okay.\n\nChannel 0: Okay.\n\nChannel 1: Sounds good. Sounds good.\n\nChannel 0: Beautiful.\n\nChannel 1: Okay. No worries.\n\nChannel 0: Excellent. No worries at all. The second recommendations in there again are with the salary sacrifice. We do have a bit of table that essentially shows your current position with no salary sacrifice and the proposed increase in the salary sacrifice position there. And it shows the difference in contributions and the difference for sales tax is a pretax contribution, so it helps to reduce the income tax, which is a benefit.\n\nIt\n\nChannel 1: Yeah.\n\nChannel 0: does, however, reduce your take home pay as well, so there's also that disadvantage for doing it. Okay?\n\nChannel 1: What about on tax time? Also, that's the only other thing too. On tax\n\nChannel 0: So\n\nChannel 1: time,\n\nChannel 0: because it's,\n\nChannel 1: what's\n\nChannel 0: yeah, because it's at it's a pretax deduction out of your income, it doesn't really\n\nChannel 1: Yeah.\n\nChannel 0: have any deductions that you can add at tax time, unfortunately, but\n\nChannel 1: Okay.\n\nChannel 0: it does reduce the income tax that you are paying out of your income on a regular basis. So we estimate with increasing the salary sacrifice or adding the sales back at $150, the net saving of tax is about $18.72. That's the difference between the tax you pay inside super to the tax you you would have paid outside of super. So, you know, $1,800 tax difference on net tax saving isn't too bad as well.\n\nChannel 1: Okay. And will I have the what's the implication? Obviously, I've I've increased my insurance on that one to compensate for for any tax returns. Will that have the implication also of increasing my taxes when it's time for me to to basically do my income taxes at all if I do a salary sacrifice offer?\n\nChannel 0: Sorry, Eladie. I don't quite think I don't understand. Can you repeat that? I'm so sorry.\n\nChannel 1: Okay. So my my personal my is it pre a personal insurance. Right?\n\nChannel 0: Yep.\n\nChannel 1: I've, like, increased it a few years ago just because of\n\nChannel 0: Right.\n\nChannel 1: the fact that I was early born. So\n\nChannel 0: Yep.\n\nChannel 1: if I do the combination of keeping the amount, the increased personal insurance versus and and salary sacrifice,\n\nChannel 0: Mhmm.\n\nChannel 1: will that be\n\nChannel 0: Mhmm.\n\nChannel 1: to my advantage also? Because of the fact I'm lowering my my income because of I'm salary sacrificing, but I'm still keeping the the amount of insurance coverage I'm I'm doing for myself. How how does that balance out?\n\nChannel 0: It okay. I was you don't actually have any income protection on here, and the only sort of income protection that really provides any benefit with your income is income protection. So\n\nChannel 1: No. No.\n\nChannel 0: the\n\nChannel 1: Sorry.\n\nChannel 0: yes. No.\n\nChannel 1: This\n\nChannel 0: That's\n\nChannel 1: is\n\nChannel 0: okay.\n\nChannel 1: that I I was I wasn't talking about income protection. I was talking about, like, BUPA, for example. Right? I'm I'm\n\nChannel 0: Your\n\nChannel 1: with\n\nChannel 0: health\n\nChannel 1: BUPA.\n\nChannel 0: insurance. Got\n\nChannel 1: Yeah.\n\nChannel 0: you.\n\nChannel 1: My health\n\nChannel 0: So\n\nChannel 1: insurance.\n\nChannel 0: sorry.\n\nChannel 1: Sorry.\n\nChannel 0: Good.\n\nChannel 1: Sorry.\n\nChannel 0: No. That's okay. So if you are you sort of saying that you're decreasing or canceling your health insurance?\n\nChannel 1: No. No. No. I increased it a few years ago because of the fact\n\nChannel 0: Yeah.\n\nChannel 1: that I was\n\nChannel 0: Right.\n\nChannel 1: I was making more. Otherwise, I'd have to pay. Right? So\n\nChannel 0: More levy.\n\nChannel 1: what\n\nChannel 0: Yes.\n\nChannel 1: how much more advantage do I if I do a salary sacrifice and I still keep my and I still retain or stay with the insurance, the extra insurance I paid for for for my health insurance? Is that gonna be to my advantage?\n\nChannel 0: Not\n\nChannel 1: No?\n\nChannel 0: really. So your\n\nChannel 1: Okay.\n\nChannel 0: assessable taxable income works on your what you earn from your employer plus your contributions in the super. So\n\nChannel 1: I\n\nChannel 0: it's\n\nChannel 1: see.\n\nChannel 0: it's not really gonna change the advantage in any way. You would still\n\nChannel 1: Okay.\n\nChannel 0: need to keep your health insurance at the same level\n\nChannel 1: Yep.\n\nChannel 0: as what you have. Does that make sense? I'm so sorry I misinterpreted that for you.\n\nChannel 1: Yep.\n\nChannel 0: Sorry about\n\nChannel 1: Yep.\n\nChannel 0: that.\n\nChannel 1: That sorry. Just just scenarios\n\nChannel 0: No.\n\nChannel 1: I\n\nChannel 0: You're\n\nChannel 1: was\n\nChannel 0: fine.\n\nChannel 1: I was asking you\n\nChannel 0: Yeah.\n\nChannel 1: about. But yeah. Okay. That's all I needed to know.\n\nChannel 0: Yeah. No. That's okay. So sorry I misinterpreted that for you, Ladia. That's\n\nChannel 1: That's\n\nChannel 0: not\n\nChannel 1: okay.\n\nChannel 0: I'm glad we got to the bottom of that one. But, yeah, look, honestly,\n\nChannel 1: Yeah.\n\nChannel 0: your your total assessable taxable income considers everything, your contributions in the super as well as what you earn from your employer. That's what goes\n\nChannel 1: Yep.\n\nChannel 0: on your assessable income at the end of the financial year. So you'll still need to keep your private health insurance at the current level to to get the advantage of that, unfortunately, because it's expensive, isn't it, your private health insurance?\n\nChannel 1: Oh, yeah. It is. But, again, it's it's quite comforting to know that when I go and do my taxes that I'm not I'm making\n\nChannel 0: Pay\n\nChannel 1: money\n\nChannel 0: the levy.\n\nChannel 1: rather than paying money\n\nChannel 0: Yes.\n\nChannel 1: to the government.\n\nChannel 0: Absolutely. I I understand. I'd rather pay for my private health insurance than pay the extra Medicare levy. I do agree with\n\nChannel 1: That's\n\nChannel 0: you on\n\nChannel 1: correct.\n\nChannel 0: that. Yep.\n\nChannel 1: That's correct. So\n\nChannel 0: No. All good. The only other part of the recommendation there is to look at your to look at your beneficiary nominations here.\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yeah. So what I'm actually recommending is that we do nominate an your LPR, your legal personal representative. That essentially means that in the event of passing around I do apologize. I'm gonna update this document slightly because it looks like my power plan has just not nominated all of the individuals, but we actually need to nominate your LPR or legal personal representative. This essentially means that in the event of you passing away, your super benefit as well as your life insurance gets paid\n\nChannel 1: Yep.\n\nChannel 0: to your will. It goes to your estate. And then under your will, you can then nominate your partner, your daughter, and your brother to have an equal split and have everything combined and then split between them as more of a fair nomination. Okay?\n\nChannel 1: Okay. Alright.\n\nChannel 0: Yeah. I did just\n\nChannel 1: So\n\nChannel 0: notice a slight error in this document. I'm gonna have this updated and resent to you shortly, and I'll add the extra projections in there for you as\n\nChannel 1: Okay.\n\nChannel 0: well.\n\nChannel 1: So what's my the nominees, Tanya? First of all, my daughter's name\n\nChannel 0: Yeah.\n\nChannel 1: is spelled incorrectly, and\n\nChannel 0: Yes.\n\nChannel 1: my brother's\n\nChannel 0: So sorry.\n\nChannel 1: name is my brother's name is not your brother.\n\nChannel 0: No. I know. I'm so sorry.\n\nChannel 1: So\n\nChannel 0: I\n\nChannel 1: I\n\nChannel 0: saw that typo,\n\nChannel 1: again,\n\nChannel 0: and\n\nChannel 1: it's\n\nChannel 0: I was like, no.\n\nChannel 1: yeah.\n\nChannel 0: We'll update\n\nChannel 1: It's\n\nChannel 0: that\n\nChannel 1: it's\n\nChannel 0: for you. What\n\nChannel 1: that's\n\nChannel 0: is your\n\nChannel 1: that's\n\nChannel 0: brother's\n\nChannel 1: not gonna\n\nChannel 0: name, if it's okay?\n\nChannel 1: yeah. You can imagine if I died and they're like, oh, yeah. Your brother. I'm like, is that your name?\n\nChannel 0: Yeah. In your will, you would actually nominate the name of everyone. This\n\nChannel 1: Yeah.\n\nChannel 0: is just\n\nChannel 1: Yeah.\n\nChannel 0: kind\n\nChannel 1: Okay.\n\nChannel 0: of nominating how you wanted things, but I'm happy to update that with your brother's name. What how do you spell his name, and what is his name? Sorry.\n\nChannel 1: Okay. Let's start with my daughter. It's\n\nChannel 0: Yep.\n\nChannel 1: it's not it doesn't start with s. It starts\n\nChannel 0: Okay.\n\nChannel 1: with c. So c I a r r\n\nChannel 0: Yep.\n\nChannel 1: a.\n\nChannel 0: Beautiful. Lovely. And her surname\n\nChannel 1: And\n\nChannel 0: is the same as yours, Villa Flor. We have\n\nChannel 1: of course. Yep.\n\nChannel 0: yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: And my brother's, it's the\n\nChannel 0: Yep.\n\nChannel 1: last name is the same, but\n\nChannel 0: Yep.\n\nChannel 1: his his first name is Christopher,\n\nChannel 0: Christopher.\n\nChannel 1: c\n\nChannel 0: Is\n\nChannel 1: h\n\nChannel 0: it c\n\nChannel 1: yeah.\n\nChannel 0: h r I s t o p h e r?\n\nChannel 1: That's correct. Yep.\n\nChannel 0: Yep. Beautiful. Lovely. I will have that section updated for you because just looked at that and went, yeah, that's not what it's supposed to say. I\n\nChannel 1: Yep.\n\nChannel 0: will go back and update that, have it resent through to you, and I'll get an updated projection sent through as well\n\nChannel 1: Okay.\n\nChannel 0: just showing you the conservative projection within creating that one seventy for you. Okay?\n\nChannel 1: Okay. So moving forward with regards\n\nChannel 0: Yeah.\n\nChannel 1: to the nominees. Right?\n\nChannel 0: Yep.\n\nChannel 1: Do I need to go and talk to a lawyer specifically and and send out that binding document? Or how is this going to work? Are you going to recommend me some something? This is\n\nChannel 0: Yeah.\n\nChannel 1: something I I kinda yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I've been I know I've been a bit lazy on on this side\n\nChannel 0: No.\n\nChannel 1: of things. Right? But\n\nChannel 0: Not at all.\n\nChannel 1: what's\n\nChannel 0: You've\n\nChannel 1: what's\n\nChannel 0: been busy. No. It's all\n\nChannel 1: so\n\nChannel 0: good.\n\nChannel 1: what's\n\nChannel 0: So what we'll do is we will update with you and help you with the binding nominations for hub 24 and Tau. We essentially just have to tick a box that says legal personal representative or\n\nChannel 1: Uh-huh.\n\nChannel 0: LPR. That\n\nChannel 1: Yeah.\n\nChannel 0: essentially means that on your super and your life insurance cover, if anything happens, it all gets paid to your estate. That is what\n\nChannel 1: Okay.\n\nChannel 0: we do on this end. The next part is that you do need to speak to a solicitor, and we can refer I mean, it's me send you to\n\nChannel 1: Okay.\n\nChannel 0: a\n\nChannel 1: Okay.\n\nChannel 0: referral for one. Or we can just send you the information on a solicitor and you're able to contact them, or we can resend the referral to them on your behalf and have them contact you. It's completely\n\nChannel 1: Please.\n\nChannel 0: up to\n\nChannel 1: I\n\nChannel 0: you. I'll\n\nChannel 1: please,\n\nChannel 0: you're right.\n\nChannel 1: can\n\nChannel 0: Sorry?\n\nChannel 1: can you have him call me? Because like I like I\n\nChannel 0: Yeah.\n\nChannel 1: said before, I've been procrastinating. It's been in the math of my mind, but I haven't done anything today. So I wanna get this sorted.\n\nChannel 0: Yeah.\n\nChannel 1: So I\n\nChannel 0: Completely\n\nChannel 1: appreciate your help.\n\nChannel 0: understand. Not a worry at all. So what we'll do is we'll send the referral through. You'll speak to a solicitor there. They'll do up a will\n\nChannel 1: Mhmm.\n\nChannel 0: for you. And as part\n\nChannel 1: Yep.\n\nChannel 0: of that, you'll just let them know that your life insurance and your super needs to be included. And then in the body of the will, they'll just have it noted exactly who your nominees are. So Lynn, Sierra, and your brother Christopher there as well. And then\n\nChannel 1: Yep.\n\nChannel 0: if anything was to happen, if you were to pass away, and we hope nothing happens, essentially, the the executive of your estate, you just choose who the executive is, who the most trustworthy person is to take care of it. They will\n\nChannel 1: Mhmm.\n\nChannel 0: contact us. We will help with the claim. Everything gets paid through to your estate and then paid out to your benefit issues as per your will. Does that make sense?\n\nChannel 1: Great. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: That does. That's perfect.\n\nChannel 0: Beautiful.\n\nChannel 1: Perfect.\n\nChannel 0: So what I'll do is I'll go back and update this page there for you. I'll get an updated projection. I'll do the conservative projection and send that through with all of this for you shortly so you have it there to have a look at. And then what we'll do is once you're comfortable with it, have a read Let me know if there's any questions you have. You sign it all, send it back to us, and we'll start by getting the sales tax letter ready for you.\n\nIf you wanna increase the $1.70, just make a note on the very last page. You'll have a little section with a text box where you can make any alterations to the recommendations.\n\nChannel 1: Okay.\n\nChannel 0: We'll organize the referral to the solicitor, complete the switch of your investments there, and then also make sure that your sales act letter is set up for you to provide to your employer. Does that make sense?\n\nChannel 1: Yes. It does.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Beautiful.\n\nChannel 1: Okay.\n\nChannel 0: All good. The only\n\nChannel 1: Anything\n\nChannel 0: other thing\n\nChannel 1: else?\n\nChannel 0: to let\n\nChannel 1: Yep.\n\nChannel 0: the only other\n\nChannel 1: Go\n\nChannel 0: thing\n\nChannel 1: ahead.\n\nChannel 0: is on page 35 no. You are fine. Is\n\nChannel 1: Yep.\n\nChannel 0: the remuneration side of things. So there's no upfront or implementation for the advice. We do call this complimentary because you're an ongoing service client. We wanna review things with you. I can make a note here that you want a six monthly catch up, and we can talk about things every six months as well as do your annual review there for you.\n\nBut this\n\nChannel 1: Mhmm.\n\nChannel 0: outlines the ongoing service fee you are currently on with us. And it also notes there that with your TAL insurances, we do receive ongoing remuneration for them. So it's just disclosing how\n\nChannel 1: Yeah.\n\nChannel 0: much we receive from TAL for your policies. Okay?\n\nChannel 1: Okay. No worries.\n\nChannel 0: Excellent.\n\nChannel 1: 3,000\n\nChannel 0: Not\n\nChannel 1: of\n\nChannel 0: a worry.\n\nChannel 1: 3,003 thousand $8.60. Right? Is that is that the annual\n\nChannel 0: That's\n\nChannel 1: amount?\n\nChannel 0: that's the dollar figure amount based on the current balance. Yeah. Yeah.\n\nChannel 1: Right.\n\nChannel 0: So you pay\n\nChannel 1: Okay.\n\nChannel 0: 1.65% on a yearly basis, and the idea is it fluctuates with the market. So based on the current balance, this is the estimated amount for the year. And with your account insurances, we receive 23% ongoing of the premium. So we\n\nChannel 1: Mhmm.\n\nChannel 0: expect it to be about $7.24 this year. However, our advice is meant to be in best interest and working towards your goals. So at any point, if you ring means that I need to increase or decrease or alter the insurances, we would do so because that's part of your goal. It has no know, it doesn't matter to us what the remuneration component is. We just need to disclose to you the remuneration we received from the insurer for that.\n\nOkay?\n\nChannel 1: Okay. No worry. I mean,\n\nChannel 0: All\n\nChannel 1: look\n\nChannel 0: good.\n\nChannel 1: happy to pay for it as long as I'm making\n\nChannel 0: Yeah.\n\nChannel 1: I'm I'm increasing my my super at the end of the year. Right? There's no point\n\nChannel 0: Absolutely.\n\nChannel 1: of doing this whole thing. And if we don't not\n\nChannel 0: Yeah.\n\nChannel 1: gonna go anywhere with it.\n\nChannel 0: Absolutely.\n\nChannel 1: So\n\nChannel 0: Absolutely. Look. There is a bit of volatility out there. So this year could be\n\nChannel 1: yep.\n\nChannel 0: a little bit bumpy, but we'll just keep in contact, keep seeing what's happening, and, you know, start that sales back and get those contributions in. We'll take advantage of the volatility that we are seeing at the moment. Okay?\n\nChannel 1: Sounds good. Okay. No\n\nChannel 0: All\n\nChannel 1: worries.\n\nChannel 0: good. Thanks so much, Eladio. I'll get that updated and resend to you shortly. If you have any questions, please let me know at any point. As soon as it comes through with a new email, you'll know it's all been updated for you, and I'll attach the updated projections as well.\n\nOkay?\n\nChannel 1: Great. Alright. So, Dana, thank you very much. I'll wait for\n\nChannel 0: Alright.\n\nChannel 1: your updated copy.\n\nChannel 0: No worries. Not a problem. I appreciate your time, Celadie. Thank you so much. I hope you have a good afternoon.\n\nChannel 1: You too. Thank you, Dana.\n\nChannel 0: Thank\n\nChannel 1: Alright\n\nChannel 0: you.\n\nChannel 1: then.\n\nChannel 0: See you later.\n\nChannel 1: Bye\n\nChannel 0: Bye.\n\nChannel 1: bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.4399999,"end":1.9399999,"sentiment":"neutral","sentiment_score":0.01660126820206642},{"text":"Hello?","start":6.3199997,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.026781965047121048}],"sentiment":"neutral","sentiment_score":0.021691616624593735,"channel":1,"num_words":2,"start":1.4399999,"end":6.8199997},{"sentences":[{"text":"Hi, Aladia.","start":7.68,"end":8.5,"sentiment":"neutral","sentiment_score":0.13294843211770058},{"text":"It's Dana from Oakview Financial.","start":8.559999,"end":10.34,"sentiment":"neutral","sentiment_score":0.16806888878345488},{"text":"How are you this afternoon?","start":10.48,"end":11.7,"sentiment":"neutral","sentiment_score":0.23943820595741272}],"sentiment":"neutral","sentiment_score":0.1919526948283116,"channel":0,"num_words":12,"start":7.68,"end":11.7},{"sentences":[{"text":"Good.","start":12.16,"end":12.48,"sentiment":"positive","sentiment_score":0.5337046980857849},{"text":"How are you, Dana?","start":12.48,"end":13.46,"sentiment":"positive","sentiment_score":0.4048045352101326}],"sentiment":"positive","sentiment_score":0.43058456778526305,"channel":1,"num_words":5,"start":12.16,"end":13.46},{"sentences":[{"text":"I'm very well.","start":13.585,"end":14.625,"sentiment":"positive","sentiment_score":0.6788646777470907},{"text":"Thank you.","start":14.625,"end":15.105,"sentiment":"positive","sentiment_score":0.7408568859100342},{"text":"Did you have a good Christmas and New Year's?","start":15.105,"end":17.365,"sentiment":"positive","sentiment_score":0.5450918707582686}],"sentiment":"positive","sentiment_score":0.6017239029918399,"channel":0,"num_words":14,"start":13.585,"end":17.365},{"sentences":[{"text":"Yep.","start":18.265,"end":18.585,"sentiment":"neutral","sentiment_score":0.18765418231487271},{"text":"Yeah.","start":18.585,"end":18.904999,"sentiment":"neutral","sentiment_score":0.3264720141887665},{"text":"Very good,","start":18.904999,"end":19.465,"sentiment":"positive","sentiment_score":0.6217860877513885}],"sentiment":"positive","sentiment_score":0.4394245930016041,"channel":1,"num_words":4,"start":18.265,"end":19.465},{"sentences":[{"text":"Yep.","start":19.265,"end":19.765,"sentiment":"positive","sentiment_score":0.4691008031368256}],"sentiment":"positive","sentiment_score":0.4691008031368256,"channel":0,"num_words":1,"start":19.265,"end":19.765},{"sentences":[{"text":"actually.","start":19.465,"end":19.965,"sentiment":"positive","sentiment_score":0.4383222460746765}],"sentiment":"positive","sentiment_score":0.4383222460746765,"channel":1,"num_words":1,"start":19.465,"end":19.965},{"sentences":[{"text":"Oh, fantastic.","start":20.305,"end":21.285,"sentiment":"positive","sentiment_score":0.6831629574298859}],"sentiment":"positive","sentiment_score":0.6831629574298859,"channel":0,"num_words":2,"start":20.305,"end":21.285},{"sentences":[{"text":"Yeah.","start":22.105,"end":22.605,"sentiment":"positive","sentiment_score":0.43524301052093506}],"sentiment":"positive","sentiment_score":0.43524301052093506,"channel":1,"num_words":1,"start":22.105,"end":22.605},{"sentences":[{"text":"I had you booked in.","start":22.145,"end":23.025,"sentiment":"positive","sentiment_score":0.34546666145324706},{"text":"I've updated an advice piece for you.","start":23.025,"end":25.285,"sentiment":"positive","sentiment_score":0.3743199493203844},{"text":"I just wanted to go through it with you today.","start":25.505,"end":27.505,"sentiment":"positive","sentiment_score":0.34422690570354464},{"text":"Is now still a good time 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a bit there as well.","start":905.22,"end":918.865,"sentiment":"neutral","sentiment_score":0.03128914011919752}],"sentiment":"neutral","sentiment_score":0.05816875183672616,"channel":0,"num_words":66,"start":900.42,"end":918.865},{"sentences":[{"text":"Mhmm.","start":918.72504,"end":919.125,"sentiment":"neutral","sentiment_score":0.056981828063726425}],"sentiment":"neutral","sentiment_score":0.056981828063726425,"channel":1,"num_words":1,"start":918.72504,"end":919.125},{"sentences":[{"text":"So","start":918.865,"end":919.35,"sentiment":"neutral","sentiment_score":0.07051504403352737}],"sentiment":"neutral","sentiment_score":0.07051504403352737,"channel":0,"num_words":1,"start":918.865,"end":919.35},{"sentences":[{"text":"Okay.","start":919.125,"end":919.625,"sentiment":"neutral","sentiment_score":0.11695533245801926}],"sentiment":"neutral","sentiment_score":0.11695533245801926,"channel":1,"num_words":1,"start":919.125,"end":919.625},{"sentences":[{"text":"I am recommending that you 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and return it back to me,","start":1343.885,"end":1346.365,"sentiment":"neutral","sentiment_score":0.11886230918268363}],"sentiment":"neutral","sentiment_score":0.12024520177926336,"channel":0,"num_words":14,"start":1342.6849,"end":1346.365},{"sentences":[{"text":"Okay.","start":1346.1499,"end":1346.6499,"sentiment":"neutral","sentiment_score":0.10734166949987411}],"sentiment":"neutral","sentiment_score":0.10734166949987411,"channel":1,"num_words":1,"start":1346.1499,"end":1346.6499},{"sentences":[{"text":"if you want, you can always on the very last page, we've got a little note box.","start":1346.365,"end":1350.12,"sentiment":"neutral","sentiment_score":0.12003465566565008},{"text":"You can 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your super fund like, you do a tax return every year.","start":1394.365,"end":1396.9249,"sentiment":"neutral","sentiment_score":0.21193432870010534},{"text":"Your super fund does a tax return every year as well.","start":1396.9249,"end":1399.745,"sentiment":"neutral","sentiment_score":0.21350920064882797}],"sentiment":"neutral","sentiment_score":0.31597631790421227,"channel":0,"num_words":55,"start":1382.07,"end":1399.745},{"sentences":[{"text":"Okay.","start":1400.23,"end":1400.73,"sentiment":"neutral","sentiment_score":0.07631263136863708}],"sentiment":"neutral","sentiment_score":0.07631263136863708,"channel":1,"num_words":1,"start":1400.23,"end":1400.73},{"sentences":[{"text":"On that investment returns page, back on that page number 13, on the top corner, you'll see it does have a figure of $617.","start":1400.605,"end":1408.69,"sentiment":"neutral","sentiment_score":0.08462092839181423},{"text":"Essentially, with them changes as per the research, we estimate the CGT consequences 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interest.","start":1435.96,"end":1438.9199,"sentiment":"neutral","sentiment_score":0.12735303367177644},{"text":"So I have a best interest statement in each of those recommendations that you're welcome to have a read through.","start":1438.9199,"end":1443.735,"sentiment":"neutral","sentiment_score":0.11239159349352121}],"sentiment":"neutral","sentiment_score":0.10494600297154291,"channel":0,"num_words":46,"start":1431.88,"end":1443.735},{"sentences":[{"text":"It just explains essentially, basically, what I've gone through that making the changes.","start":1443.815,"end":1447.915,"sentiment":"neutral","sentiment_score":0.09460911154747009},{"text":"The newer investment portfolio has seen a greater track record.","start":1448.215,"end":1451.4349,"sentiment":"neutral","sentiment_score":0.27018961906433103},{"text":"It is lower cost, which is important, and increasing your contributions by way of salary sacrifice now as opposed to down the track has a greater projected outcome into retirement there for you.","start":1451.815,"end":1462.4,"sentiment":"neutral","sentiment_score":0.3329467913418105},{"text":"And the CGT is essentially offset.","start":1462.62,"end":1465.04,"sentiment":"neutral","sentiment_score":0.10656717730065186},{"text":"The CGT, we can justify because making these changes into a better portfolio, cheaper portfolio, essentially, you're saving you money.","start":1466.14,"end":1473.625,"sentiment":"neutral","sentiment_score":0.21451908387243748}],"sentiment":"neutral","sentiment_score":0.24205906702796134,"channel":0,"num_words":82,"start":1443.815,"end":1473.625},{"sentences":[{"text":"So, you know, CGT now for a better outcome and down the track, essentially, if 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just looking at just growth here.","start":1483.7,"end":1485.46,"sentiment":"neutral","sentiment_score":0.08292076896343913},{"text":"So what's the projection if I increase that to $1.70 then?","start":1485.46,"end":1489.46,"sentiment":"neutral","sentiment_score":0.06586164100603624},{"text":"Because right now you've got an estimate of $3.76.","start":1489.46,"end":1492.52,"sentiment":"neutral","sentiment_score":0.044809345362914935},{"text":"Target","start":1493.38,"end":1493.86,"sentiment":"neutral","sentiment_score":0.02806910127401352}],"sentiment":"neutral","sentiment_score":0.062009880119668584,"channel":1,"num_words":28,"start":1483.7,"end":1493.86},{"sentences":[{"text":"It 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all.","start":1582.3049,"end":1583.845,"sentiment":"neutral","sentiment_score":0.22360729798674583},{"text":"The second recommendations in there again are with the salary sacrifice.","start":1584.385,"end":1587.6649,"sentiment":"neutral","sentiment_score":0.0997123352505944},{"text":"We do have a bit of table that essentially shows your current position with no salary sacrifice and the proposed increase in the salary sacrifice position there.","start":1587.6649,"end":1596.03,"sentiment":"neutral","sentiment_score":0.1368268675826214},{"text":"And it shows the difference in contributions and the difference for sales tax is a pretax contribution, so it helps to reduce the income tax, which is a 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premium.","start":2227.505,"end":2232.325,"sentiment":"neutral","sentiment_score":0.07315338837603728},{"text":"So we","start":2232.545,"end":2233.285,"sentiment":"neutral","sentiment_score":0.07613394036889076}],"sentiment":"neutral","sentiment_score":0.06683020799287728,"channel":0,"num_words":42,"start":2218.3398,"end":2233.285},{"sentences":[{"text":"Mhmm.","start":2233.165,"end":2233.665,"sentiment":"neutral","sentiment_score":0.06477373838424683}],"sentiment":"neutral","sentiment_score":0.06477373838424683,"channel":1,"num_words":1,"start":2233.165,"end":2233.665},{"sentences":[{"text":"expect it to be about $7.24 this year.","start":2233.46,"end":2235.7998,"sentiment":"neutral","sentiment_score":0.04116392461583018},{"text":"However, our advice is meant to be in best interest and working towards your goals.","start":2236.0999,"end":2240.5,"sentiment":"neutral","sentiment_score":0.19330119664470355},{"text":"So at any point, if you ring means that I need to increase or decrease or alter the insurances, we would do so because that's part of your goal.","start":2240.5,"end":2247.2998,"sentiment":"neutral","sentiment_score":0.009930138957911524},{"text":"It has no know, it doesn't matter to us what the remuneration component is.","start":2247.2998,"end":2251.3352,"sentiment":"neutral","sentiment_score":-0.05229196577732052},{"text":"We just need to disclose to you the remuneration we received from the insurer for that.","start":2251.3352,"end":2256.155,"sentiment":"neutral","sentiment_score":-0.0020502124971244484}],"sentiment":"neutral","sentiment_score":0.033559907994392076,"channel":0,"num_words":82,"start":2233.46,"end":2256.155},{"sentences":[{"text":"Okay?","start":2256.215,"end":2256.715,"sentiment":"neutral","sentiment_score":0.03248327225446701}],"sentiment":"neutral","sentiment_score":0.03248327225446701,"channel":0,"num_words":1,"start":2256.215,"end":2256.715},{"sentences":[{"text":"Okay.","start":2256.905,"end":2257.405,"sentiment":"neutral","sentiment_score":0.07132944464683533},{"text":"No worry.","start":2257.465,"end":2257.865,"sentiment":"neutral","sentiment_score":0.12059330195188522},{"text":"I 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as I'm making","start":2258.585,"end":2260.585,"sentiment":"positive","sentiment_score":0.38357005417346957}],"sentiment":"positive","sentiment_score":0.38357005417346957,"channel":1,"num_words":10,"start":2258.585,"end":2260.585},{"sentences":[{"text":"Yeah.","start":2260.47,"end":2260.97,"sentiment":"neutral","sentiment_score":0.15248867869377136}],"sentiment":"neutral","sentiment_score":0.15248867869377136,"channel":0,"num_words":1,"start":2260.47,"end":2260.97},{"sentences":[{"text":"I'm I'm increasing my my super at the end of the year.","start":2261.145,"end":2264.3801,"sentiment":"neutral","sentiment_score":0.1393391297509273},{"text":"Right?","start":2264.3801,"end":2264.54,"sentiment":"neutral","sentiment_score":0.03882226720452309},{"text":"There's no point","start":2264.54,"end":2265.1,"sentiment":"neutral","sentiment_score":-0.28250494599342346}],"sentiment":"neutral","sentiment_score":0.05396106163971126,"channel":1,"num_words":16,"start":2261.145,"end":2265.1},{"sentences":[{"text":"Absolutely.","start":2265.03,"end":2265.53,"sentiment":"neutral","sentiment_score":-0.2690768837928772}],"sentiment":"neutral","sentiment_score":-0.2690768837928772,"channel":0,"num_words":1,"start":2265.03,"end":2265.53},{"sentences":[{"text":"of doing this whole thing.","start":2265.1,"end":2266.46,"sentiment":"neutral","sentiment_score":-0.3161975920200348},{"text":"And if we don't not","start":2266.46,"end":2267.26,"sentiment":"neutral","sentiment_score":-0.1520075112581253}],"sentiment":"neutral","sentiment_score":-0.23410255163908006,"channel":1,"num_words":10,"start":2265.1,"end":2267.26},{"sentences":[{"text":"Yeah.","start":2267.19,"end":2267.69,"sentiment":"neutral","sentiment_score":-0.20116528868675232}],"sentiment":"neutral","sentiment_score":-0.20116528868675232,"channel":0,"num_words":1,"start":2267.19,"end":2267.69},{"sentences":[{"text":"gonna go anywhere with it.","start":2267.26,"end":2268.72,"sentiment":"neutral","sentiment_score":-0.2564334511756897}],"sentiment":"neutral","sentiment_score":-0.2564334511756897,"channel":1,"num_words":5,"start":2267.26,"end":2268.72},{"sentences":[{"text":"Absolutely.","start":2269.19,"end":2269.69,"sentiment":"neutral","sentiment_score":0.11981244385242462}],"sentiment":"neutral","sentiment_score":0.11981244385242462,"channel":0,"num_words":1,"start":2269.19,"end":2269.69},{"sentences":[{"text":"So","start":2269.26,"end":2269.76,"sentiment":"neutral","sentiment_score":0.12041981518268584}],"sentiment":"neutral","sentiment_score":0.12041981518268584,"channel":1,"num_words":1,"start":2269.26,"end":2269.76},{"sentences":[{"text":"Absolutely.","start":2270.07,"end":2270.57,"sentiment":"neutral","sentiment_score":0.12258896231651306},{"text":"Look.","start":2270.71,"end":2271.03,"sentiment":"neutral","sentiment_score":-0.008333786390721798},{"text":"There is a bit of volatility out there.","start":2271.03,"end":2272.71,"sentiment":"neutral","sentiment_score":-0.2640908248722553},{"text":"So this year could be","start":2272.71,"end":2273.67,"sentiment":"neutral","sentiment_score":-0.1510770171880722}],"sentiment":"neutral","sentiment_score":-0.18359043393284083,"channel":0,"num_words":15,"start":2270.07,"end":2273.67},{"sentences":[{"text":"yep.","start":2273.58,"end":2274.08,"sentiment":"neutral","sentiment_score":-0.13399527966976166}],"sentiment":"neutral","sentiment_score":-0.13399527966976166,"channel":1,"num_words":1,"start":2273.58,"end":2274.08},{"sentences":[{"text":"a little bit bumpy, but we'll just keep in contact, keep seeing what's happening, and, you know, start that sales back and get those contributions in.","start":2273.67,"end":2280.605,"sentiment":"neutral","sentiment_score":0.12156090111686634},{"text":"We'll take advantage of the volatility that we are seeing at the moment.","start":2280.605,"end":2283.905,"sentiment":"neutral","sentiment_score":0.054255846314705335},{"text":"Okay?","start":2283.965,"end":2284.465,"sentiment":"neutral","sentiment_score":0.22283923625946045}],"sentiment":"neutral","sentiment_score":0.10221871668472886,"channel":0,"num_words":40,"start":2273.67,"end":2284.465},{"sentences":[{"text":"Sounds good.","start":2285.1548,"end":2285.875,"sentiment":"positive","sentiment_score":0.5405804812908173},{"text":"Okay.","start":2285.875,"end":2286.375,"sentiment":"neutral","sentiment_score":0.22088560461997983},{"text":"No","start":2286.4348,"end":2286.595,"sentiment":"neutral","sentiment_score":0.2326384037733078}],"sentiment":"positive","sentiment_score":0.38367124274373055,"channel":1,"num_words":4,"start":2285.1548,"end":2286.595},{"sentences":[{"text":"All","start":2286.5251,"end":2286.7651,"sentiment":"neutral","sentiment_score":0.16632035374641418}],"sentiment":"neutral","sentiment_score":0.16632035374641418,"channel":0,"num_words":1,"start":2286.5251,"end":2286.7651},{"sentences":[{"text":"worries.","start":2286.595,"end":2287.095,"sentiment":"positive","sentiment_score":0.3664580583572388}],"sentiment":"positive","sentiment_score":0.3664580583572388,"channel":1,"num_words":1,"start":2286.595,"end":2287.095},{"sentences":[{"text":"good.","start":2286.7651,"end":2287.2651,"sentiment":"positive","sentiment_score":0.5356121063232422},{"text":"Thanks so much, Eladio.","start":2287.3252,"end":2288.605,"sentiment":"positive","sentiment_score":0.7820930182933807},{"text":"I'll get that updated and resend to you shortly.","start":2288.605,"end":2290.7651,"sentiment":"positive","sentiment_score":0.512015183766683},{"text":"If you have any questions, please let me know at any point.","start":2290.7651,"end":2293.29,"sentiment":"neutral","sentiment_score":0.24707144871354103},{"text":"As soon as it comes through with a new email, you'll know it's all been updated for you, and I'll attach the updated projections as well.","start":2293.29,"end":2299.61,"sentiment":"positive","sentiment_score":0.3378552290109488}],"sentiment":"positive","sentiment_score":0.3850233494662322,"channel":0,"num_words":52,"start":2286.7651,"end":2299.61},{"sentences":[{"text":"Okay?","start":2299.61,"end":2300.11,"sentiment":"neutral","sentiment_score":0.2292681187391281}],"sentiment":"neutral","sentiment_score":0.2292681187391281,"channel":0,"num_words":1,"start":2299.61,"end":2300.11},{"sentences":[{"text":"Great.","start":2300.71,"end":2301.21,"sentiment":"positive","sentiment_score":0.692789614200592},{"text":"Alright.","start":2301.35,"end":2301.75,"sentiment":"positive","sentiment_score":0.4868842959403992},{"text":"So, Dana, thank you very much.","start":2301.75,"end":2303.27,"sentiment":"positive","sentiment_score":0.672247052192688},{"text":"I'll wait for","start":2303.27,"end":2303.9102,"sentiment":"neutral","sentiment_score":0.1811155378818512}],"sentiment":"positive","sentiment_score":0.5233184397220612,"channel":1,"num_words":11,"start":2300.71,"end":2303.9102},{"sentences":[{"text":"Alright.","start":2303.865,"end":2304.365,"sentiment":"neutral","sentiment_score":0.1373898684978485}],"sentiment":"neutral","sentiment_score":0.1373898684978485,"channel":0,"num_words":1,"start":2303.865,"end":2304.365},{"sentences":[{"text":"your updated copy.","start":2303.9102,"end":2305.9302,"sentiment":"neutral","sentiment_score":0.24423804382483164}],"sentiment":"neutral","sentiment_score":0.24423804382483164,"channel":1,"num_words":3,"start":2303.9102,"end":2305.9302},{"sentences":[{"text":"No worries.","start":2305.865,"end":2306.685,"sentiment":"neutral","sentiment_score":0.2138328179717064},{"text":"Not a problem.","start":2306.825,"end":2307.545,"sentiment":"positive","sentiment_score":0.4638030429681142},{"text":"I appreciate your time, Celadie.","start":2307.545,"end":2309.165,"sentiment":"positive","sentiment_score":0.7279637217521667},{"text":"Thank you so much.","start":2309.385,"end":2310.5051,"sentiment":"positive","sentiment_score":0.8248963207006454},{"text":"I hope you have a good afternoon.","start":2310.5051,"end":2311.965,"sentiment":"positive","sentiment_score":0.7744773370879037}],"sentiment":"positive","sentiment_score":0.6752295245726904,"channel":0,"num_words":21,"start":2305.865,"end":2311.965},{"sentences":[{"text":"You too.","start":2312.823,"end":2313.223,"sentiment":"positive","sentiment_score":0.4843621701002121},{"text":"Thank you, Dana.","start":2313.223,"end":2314.123,"sentiment":"positive","sentiment_score":0.6432689825693766}],"sentiment":"positive","sentiment_score":0.5797062575817108,"channel":1,"num_words":5,"start":2312.823,"end":2314.123},{"sentences":[{"text":"Thank","start":2314.025,"end":2314.345,"sentiment":"positive","sentiment_score":0.5438764095306396}],"sentiment":"positive","sentiment_score":0.5438764095306396,"channel":0,"num_words":1,"start":2314.025,"end":2314.345},{"sentences":[{"text":"Alright","start":2314.183,"end":2314.503,"sentiment":"positive","sentiment_score":0.5111456513404846}],"sentiment":"positive","sentiment_score":0.5111456513404846,"channel":1,"num_words":1,"start":2314.183,"end":2314.503},{"sentences":[{"text":"you.","start":2314.345,"end":2314.665,"sentiment":"positive","sentiment_score":0.4648287296295166}],"sentiment":"positive","sentiment_score":0.4648287296295166,"channel":0,"num_words":1,"start":2314.345,"end":2314.665},{"sentences":[{"text":"then.","start":2314.503,"end":2315.003,"sentiment":"neutral","sentiment_score":0.314947247505188}],"sentiment":"neutral","sentiment_score":0.314947247505188,"channel":1,"num_words":1,"start":2314.503,"end":2315.003},{"sentences":[{"text":"See you later.","start":2314.665,"end":2315.465,"sentiment":"positive","sentiment_score":0.36541439096132916}],"sentiment":"positive","sentiment_score":0.36541439096132916,"channel":0,"num_words":3,"start":2314.665,"end":2315.465},{"sentences":[{"text":"Bye","start":2315.463,"end":2315.623,"sentiment":"neutral","sentiment_score":0.1799853891134262}],"sentiment":"neutral","sentiment_score":0.1799853891134262,"channel":1,"num_words":1,"start":2315.463,"end":2315.623},{"sentences":[{"text":"Bye.","start":2315.465,"end":2315.965,"sentiment":"neutral","sentiment_score":0.2055029571056366}],"sentiment":"neutral","sentiment_score":0.2055029571056366,"channel":0,"num_words":1,"start":2315.465,"end":2315.965},{"sentences":[{"text":"bye.","start":2315.623,"end":2316.103,"sentiment":"neutral","sentiment_score":0.15687227249145508},{"text":"Bye.","start":2316.103,"end":2316.603,"sentiment":"neutral","sentiment_score":-0.09426996856927872}],"sentiment":"neutral","sentiment_score":0.03130115196108818,"channel":1,"num_words":2,"start":2315.623,"end":2316.603}]},"summary":{"result":"success","short":"The representative from Oakview Financial advises the customer to reduce risk and adjust their investment portfolio, including removing an investment from their portfolio and starting a salary sacrifice arrangement. They emphasize the importance of investing in the top 200 companies on the ASX and top 500 within The US. The speaker recommends increasing salaries and contributions to reduce risk, starting a salary sacrifice, and increasing contributions to increase longevity and savings. They also discuss the benefits of a lower cost of investment fees and the importance of referral for insurance coverage and beneficiary nominations. The customer is advised to update their projection and send a solicitor to their estate. The process will be completed by the end of the year."},"intents":{"segments":[{"text":"I've updated an advice piece for you. I just wanted to go through it with you today.","start_word":47,"end_word":63,"intents":[{"intent":"Review advice piece","confidence_score":0.012326791}]},{"text":"So we've gone back and reviewed, obviously, your goals with regards to your super, your retirement goals there. I've made some recommendations, but also looking at altering the portfolio for you as well as we have kind of noticed there has been some changes in the market, and we do wanna Yep. look at maybe moving some underperforming investments and looking at moving you into something a bit more passive and low cost as well. Okay? Yep.","start_word":402,"end_word":478,"intents":[{"intent":"Review and review goals","confidence_score":0.0021692256}]},{"text":"I've made some recommendations, but also looking at altering the portfolio for you as well as we have kind of noticed there has been some changes in the market, and we do wanna Yep. look at maybe moving some underperforming investments and looking at moving you into something a bit more passive and low cost as well. Okay? Yep.","start_word":420,"end_word":478,"intents":[{"intent":"Suggest portfolio change","confidence_score":0.00039624274}]},{"text":"So with this advice piece, it is sort of structured to essentially just your super as the main the main area that we are looking to scope in. Essentially, you wanted to be able to access super at around about 62 to 63. Your target balance at that time when you're accessing is you kinda wanted to reach between 350,000 to 500,000.","start_word":480,"end_word":541,"intents":[{"intent":"Set target balance","confidence_score":0.017928742}]},{"text":"I've also scoped in the estate planning side of things. So when we sort of spoke, you didn't have a will, but you did wanna make sure that your beneficiary nominations were completed so that the benefit in the event of passing could be paid out to your girlfriend, Lynn, also your daughter, Sierra, and you wanted your brother as the other beneficiary there.","start_word":630,"end_word":693,"intents":[{"intent":"Suggest estate planning","confidence_score":0.020849608}]},{"text":"So when we sort of spoke, you didn't have a will, but you did wanna make sure that your beneficiary nominations were completed so that the benefit in the event of passing could be paid out to your girlfriend, Lynn, also your daughter, Sierra, and you wanted your brother as the other beneficiary there.","start_word":640,"end_word":693,"intents":[{"intent":"Inquire about beneficiary nominations","confidence_score":0.0146887405}]},{"text":"So I have as part of the advice included the estate planning side of things to make sure that your beneficiary nominations on your super are set up correctly to benefit your beneficiaries in the right way and also making a recommendation that you speak to a solicitor to have a will and power of attorney drawn up because they're also very important.","start_word":695,"end_word":757,"intents":[{"intent":"Set up beneficiary nominations and recommend solicitor","confidence_score":0.011402135}]},{"text":"Areas that we've scoped out for now are insurances. So you are comfortable with the level of cover that you have. Didn't wanna look at getting any new cover at all. Just wanted to retain what you have for the time being.","start_word":862,"end_word":903,"intents":[{"intent":"Maintain coverage and ensure specific areas","confidence_score":7.154606e-8}]},{"text":"And then scoping out any additional areas of debt management and cash flow and budgeting, we can help you and provide additional advice down the track in those sorts of areas, but they have been stripped out of this advice piece for you at the moment. Okay? Okay.","start_word":938,"end_word":985,"intents":[{"intent":"Provide additional advice","confidence_score":0.18705095},{"intent":"Determine if there is any need for additional coverage and recommendations","confidence_score":2.3447457e-9}]},{"text":"So to jump into the recommendations there for you, so what I am actually recommending, sorry, is that because you are about seven years out of that age 63 mark, six Mhmm.","start_word":1056,"end_word":1087,"intents":[{"intent":"Explain recommendation process","confidence_score":0.0008564377}]},{"text":"I am recommending that you do stay within Hub twenty four.","start_word":1104,"end_word":1114,"intents":[{"intent":"Recommend staying within hub twenty four","confidence_score":0.4320778}]},{"text":"I am recommending that you do stay within Hub twenty four. Hub twenty four is still a great platform. It is still working for you, and there's no sort of need to change the platform at the moment.","start_word":1104,"end_word":1141,"intents":[{"intent":"Recommend changing platform","confidence_score":0.17300318}]},{"text":"however, recommending that we alter your portfolio.","start_word":1145,"end_word":1151,"intents":[{"intent":"Recommend modifying portfolio","confidence_score":0.09453295}]},{"text":"have gone back and reviewed the investment portfolio to look at how we make a recommendation to alter that for you. So when you are reviewing the document here, down on page number 19, you will see essentially what we are looking at buying and selling. So out of your old portfolio, we are removing the ban along Australian equities. That investment Mhmm.","start_word":1215,"end_word":1277,"intents":[{"intent":"Discuss investment portfolio","confidence_score":0.2581609},{"intent":"Discuss investment strategy","confidence_score":0.02289154}]},{"text":"I had provided the first advice and gone back and redone it, it's basically incorporating two of the exact same advice pieces. So it was better to go back, restructure the investments, and provide everything to you now as one big advice piece so you can see everything as a whole. Does that make sense? Yeah.","start_word":1319,"end_word":1374,"intents":[{"intent":"Explain asset restructuring","confidence_score":0.00024598482}]},{"text":"it come through It it for sounds you? like I mean, it sounds like a solid decision on that one.","start_word":1404,"end_word":1423,"intents":[{"intent":"Confirm decision","confidence_score":0.07573669}]},{"text":"When you when you go have that open, if you're looking at page number 19, that's kinda where Yep. I am at the moment just 19. so we can run through the changes in the investment portfolio Yeah.","start_word":1471,"end_word":1508,"intents":[{"intent":"Analyze investment portfolio","confidence_score":0.09705095}]},{"text":"if you're going to take up this stuff in a portfolio, right, I mean, you could see already been along. Yeah.","start_word":1873,"end_word":1893,"intents":[{"intent":"Discuss portfolio management and placement","confidence_score":4.778317e-7}]},{"text":"selling those investments in red, we're reallocating the funds in line with the recommended weighting so that you're buying into the ones that you don't currently have and just rebalancing the ones that you currently hold that we are keeping. Does that Mhmm.","start_word":2370,"end_word":2412,"intents":[{"intent":"Rebalance funds","confidence_score":0.3682248}]},{"text":"how it's performing and then Yeah.","start_word":2767,"end_word":2772,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.18887076}]},{"text":"wanted to, I could organize a catch up with you once every six months where we have a look at what your portfolio is doing, how it's performing, and then sort of look at, you know, rejigging it if we need to. Does that as well as doing your annual review because we do that every year as well. Okay. Yeah.","start_word":2822,"end_word":2882,"intents":[{"intent":"Monitor portfolio performance","confidence_score":0.011373472}]},{"text":"Again, I I wanna continue to adjust it so I get the maximum amount out of of Mhmm. my investments right now. Right?","start_word":2886,"end_word":2908,"intents":[{"intent":"Adjust investments","confidence_score":0.8157498}]},{"text":"see if I could improve Need that. to crack that a little bit. Absolutely.","start_word":3004,"end_word":3017,"intents":[{"intent":"Improve investments","confidence_score":0.20045757}]},{"text":"Now I am also recommending that you do start a salary sacrifice arrangement there, that we Okay.","start_word":3034,"end_word":3050,"intents":[{"intent":"Recommend changes to salary sacrifice arrangement","confidence_score":0.008054319},{"intent":"Recommend changes to salary sacrifice arrangement","confidence_score":0.06850754}]},{"text":"do increase your contributions in. It is completely up to you as to whether you do this or not. However, when I kind of rang the ran the retirement scenarios looking and projecting everything out, in order to get you to that kind of mark, because of the market volatility we are seeing, we did need to maybe increase your contributions a bit there as well.","start_word":3051,"end_word":3116,"intents":[{"intent":"Increase contributions","confidence_score":0.36139342}]},{"text":"Yeah.","start_word":3501,"end_word":3501,"intents":[{"intent":"Apologize for bias","confidence_score":0.000027059403}]},{"text":"We can provide a letter for you which outlines all the information. We can email that to you as part of the implementation, and then you just hand that to your payroll or to your employer, and they will just Yes. start the salary sacrifice with your income. Yeah.","start_word":3651,"end_word":3699,"intents":[{"intent":"Provide salary sacrifice letter","confidence_score":0.007325337},{"intent":"Provide salary sacrifice letter","confidence_score":0.032242183}]},{"text":"with with with the $150 a week salary sacrifice, what Yep. what are the analytics in seven years' time, let's just say, that's projected?","start_word":3711,"end_word":3734,"intents":[{"intent":"Calculate analytics","confidence_score":0.030873293}]},{"text":"So this is assuming a conservative rate of return of about 8%, which is utilizing your risk profile return. And because you are closer to those retirement years, that's probably more appropriate for Yep. you.","start_word":3809,"end_word":3843,"intents":[{"intent":"Calculate rate of return","confidence_score":0.014238123}]},{"text":"So starting salary sacrifice can can help us to build on those, but this is kinda showing you the degree of where we'd expect you to be around those retirement years. Does that make sense?","start_word":3982,"end_word":4016,"intents":[{"intent":"Maximize salary sacrifice ambitions","confidence_score":0.00006872508}]},{"text":"wanna increase that to $1.70, you absolutely can. I just Yep. wanted to make it a conservative recommendation so I'm not eating away all of your excess funds and showing you that this is what we needed to do to kinda get you into that gap for what you're after in retirement, but we can always build and exceed Yep. on that if we need to.","start_word":4280,"end_word":4345,"intents":[{"intent":"Recommend raising salary","confidence_score":0.101517856}]},{"text":"The only other thing to kind of point out with regard to these investment changes and these recommendations are we sort of talked through the advantages of it. It is a lower cost in investment fees, which is an advantage.","start_word":4517,"end_word":4556,"intents":[{"intent":"Discuss investment benefits","confidence_score":0.020747457}]},{"text":"It is a lower cost in investment fees, which is an advantage.","start_word":4545,"end_word":4556,"intents":[{"intent":"Discuss investment fees","confidence_score":0.016508033}]},{"text":"We also do factor in the CDT consequences and the cost. So whenever we are switching investments, there are capital gains. So your super fund like, you do a tax return every year.","start_word":4583,"end_word":4615,"intents":[{"intent":"Discuss cdt consequences","confidence_score":0.27943403}]},{"text":"On that investment returns page, back on that page number 13, on the top corner, you'll see it does have a figure of $617. Essentially, with them changes as per the research, we estimate the CGT consequences to be about $617.","start_word":4628,"end_word":4668,"intents":[{"intent":"Clarify cgt consequences","confidence_score":0.020837186},{"intent":"Analyze cgt cost","confidence_score":0.0000391534}]},{"text":"So very little CGT, which is great because some of those Okay. underperform those funds have been underperforming. It's offsetting any gains to make a lot of those changes. So it has reduced Yep. the CGT as much as possible. Okay? Okay.","start_word":4669,"end_word":4710,"intents":[{"intent":"Clarify cgt compensation","confidence_score":0.00007959376}]},{"text":"This document does outline the best interest to you as well. We do make sure any advice provided is in your best interest. So I have a best interest statement in each of those recommendations that you're welcome to have a read through. It just explains essentially, basically, what I've gone through that making the changes.","start_word":4721,"end_word":4776,"intents":[{"intent":"Explain best interest statement","confidence_score":0.31439218}]},{"text":"So I have a best interest statement in each of those recommendations that you're welcome to have a read through. It just explains essentially, basically, what I've gone through that making the changes.","start_word":4744,"end_word":4776,"intents":[{"intent":"Explain investment recommendations","confidence_score":0.005708633}]},{"text":"So what's the projection if I increase that to $1.70 then?","start_word":4885,"end_word":4895,"intents":[{"intent":"Clarify projection","confidence_score":0.08248294}]},{"text":"I'll review the documents later on, Yeah.","start_word":5026,"end_word":5032,"intents":[{"intent":"Review documents","confidence_score":0.21287617},{"intent":"Review documents","confidence_score":0.4060363}]},{"text":"The second recommendations in there again are with the salary sacrifice. We do have a bit of table that essentially shows your current position with no salary sacrifice and the proposed increase in the salary sacrifice position there. And it shows the difference in contributions and the difference for sales tax is a pretax contribution, so it helps to reduce the income tax, which is a benefit. It Yeah.","start_word":5106,"end_word":5174,"intents":[{"intent":"Reduce tax","confidence_score":0.030192902}]},{"text":"have any deductions that you can add at tax time, unfortunately, but Okay.","start_word":5228,"end_word":5240,"intents":[{"intent":"Add deductions","confidence_score":0.067011476}]},{"text":"And will I have the what's the implication?","start_word":5319,"end_word":5326,"intents":[{"intent":"Determine impact","confidence_score":0.057678796}]},{"text":"how much more advantage do I if I do a salary sacrifice and I still keep my and I still retain or stay with the insurance, the extra insurance I paid for for for my health insurance? Is that gonna be to my advantage?","start_word":5619,"end_word":5662,"intents":[{"intent":"Determine advantages and disadvantages of higher insurance premiums","confidence_score":5.071282e-9}]},{"text":"I I understand. I'd rather pay for my private health insurance than pay the extra Medicare levy. I do agree with That's you on correct. that. Yep.","start_word":5899,"end_word":5925,"intents":[{"intent":"Confirm understanding","confidence_score":0.004054213},{"intent":"Confirm understanding","confidence_score":0.08959181},{"intent":"Confirm understanding","confidence_score":0.13656744}]},{"text":"So what I'm actually recommending is that we do nominate an your LPR, your legal personal representative. That essentially means that in the event of passing around I do apologize. I'm gonna update this document slightly because it looks like my power plan has just not nominated all of the individuals, but we actually need to nominate your LPR or legal personal representative.","start_word":5955,"end_word":6017,"intents":[{"intent":"Express importance of individual endorsement","confidence_score":2.136758e-12},{"intent":"Recommend lpr nomination","confidence_score":0.058186084},{"intent":"Propose document update","confidence_score":0.034829583}]},{"text":"So what's my the nominees, Tanya?","start_word":6123,"end_word":6128,"intents":[{"intent":"Update nominee information","confidence_score":0.008466285}]},{"text":"That's correct. Yep.","start_word":6346,"end_word":6348,"intents":[{"intent":"Confirm understanding","confidence_score":0.012078981}]},{"text":"will go back and update that, have it resent through to you, and I'll get an updated projection sent through as well Okay.","start_word":6377,"end_word":6399,"intents":[{"intent":"Update projection","confidence_score":0.6836175}]},{"text":"to the nominees. Right?","start_word":6421,"end_word":6424,"intents":[{"intent":"Help with nominations","confidence_score":0.005211212}]},{"text":"to the nominees. Right? Yep.","start_word":6421,"end_word":6425,"intents":[{"intent":"Help with nominees","confidence_score":0.00016200918}]},{"text":"Do I need to go and talk to a lawyer specifically and and send out that binding document? Or how is this going to work? Are you going to recommend me some something?","start_word":6426,"end_word":6458,"intents":[{"intent":"Recommend lawyer","confidence_score":0.39500752}]},{"text":"Do I need to go and talk to a lawyer specifically and and send out that binding document? Or how is this going to work? Are you going to recommend me some something? This is Yeah.","start_word":6426,"end_word":6461,"intents":[{"intent":"Speak to solicitor","confidence_score":0.030256582}]},{"text":"can you have him call me?","start_word":6646,"end_word":6651,"intents":[{"intent":"Request call back","confidence_score":0.023924248}]},{"text":"So what I'll do is I'll go back and update this page there for you. I'll get an updated projection. I'll do the conservative projection and send that through with all of this for you shortly so you have it there to have a look at.","start_word":6857,"end_word":6902,"intents":[{"intent":"Update projection","confidence_score":0.010066881}]},{"text":"You sign it all, send it back to us, and we'll start by getting the sales tax letter ready for you.","start_word":6926,"end_word":6946,"intents":[{"intent":"Provide sales tax letter","confidence_score":0.017301165}]},{"text":"outlines the ongoing service fee you are currently on with us. And it also notes there that with your TAL insurances, we do receive ongoing remuneration for them. So it's just disclosing how Yeah. much we receive from TAL for your policies. Okay? Okay.","start_word":7121,"end_word":7164,"intents":[{"intent":"Informing about coverage","confidence_score":0.0038199537}]},{"text":"It has no know, it doesn't matter to us what the remuneration component is. We just need to disclose to you the remuneration we received from the insurer for that. Okay? Okay.","start_word":7297,"end_word":7328,"intents":[{"intent":"Acknowledging income","confidence_score":0.00017656472}]},{"text":"We just need to disclose to you the remuneration we received from the insurer for that. Okay?","start_word":7311,"end_word":7327,"intents":[{"intent":"Disclosing remuneration","confidence_score":0.006649072}]},{"text":"I mean, All look good. happy to pay for it as long as I'm making Yeah.","start_word":7331,"end_word":7346,"intents":[{"intent":"Assuring good performance","confidence_score":0.0000034715652}]}]},"sentiments":{"segments":[{"text":"Hello? Hello? Hi, Aladia. It's Dana from Oakview Financial. How are you this afternoon?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.1547224372625351},{"text":"Good. How are you, Dana? I'm very well. Thank you. Did you have a good Christmas and New Year's?","start_word":14,"end_word":32,"sentiment":"positive","sentiment_score":0.5546845197677612},{"text":"Yep. Yeah.","start_word":33,"end_word":34,"sentiment":"neutral","sentiment_score":0.24318133294582367},{"text":"Very good, Yep. actually. Oh, fantastic. Yeah. I had you booked in. I've updated an advice piece for you. I just wanted to go through it with you today.","start_word":35,"end_word":63,"sentiment":"positive","sentiment_score":0.4234389066696167},{"text":"Is now still a good time for Yep. Yep. you? Yep.","start_word":64,"end_word":74,"sentiment":"neutral","sentiment_score":0.2322307825088501},{"text":"Fantastic.","start_word":75,"end_word":75,"sentiment":"positive","sentiment_score":0.5707981586456299},{"text":"I'm gonna send you the documents to you via email. Are you able to log in to your emails and grab that one, or did you want me just to run through it and send through it later? What's your preference for this? I can, but I'm looking at it on a on a small phone. So you can send it across, but Okay. I won't Yep. be able to look at Review it fully it. until later That's on. that's absolutely okay. What I can what I can do for you, I will email it through to you so it's there for you. Yep. I can just run through the recommendations, maybe touch on the parts that I need to touch on for you whilst Yep. hoping Okay. for hopefully, not giving you too much information to take in. And then you can review that one a little bit later there for you. Okay? Okay. Yep.","start_word":76,"end_word":232,"sentiment":"neutral","sentiment_score":0.08345481008291245},{"text":"Beautiful. That sounds good. Lovely.","start_word":233,"end_word":237,"sentiment":"positive","sentiment_score":0.5019120573997498},{"text":"Now, Ladi, moving forward, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah. Sure. Yep.","start_word":238,"end_word":263,"sentiment":"neutral","sentiment_score":0.145809605717659},{"text":"Fantastic.","start_word":264,"end_word":264,"sentiment":"positive","sentiment_score":0.42606067657470703},{"text":"And I'll just do security there with you as well. I am discussing your personal information. So I'll just confirm your full name, date of birth, and address I should have on file. Yeah. Eladio Villaflor, '20 Yep. April, and it's Yep. on 25 Coburn Road, South Fremantle, WA 616 Beautiful. two.","start_word":265,"end_word":316,"sentiment":"neutral","sentiment_score":0.09736098349094392},{"text":"Lovely. Thank you so much for that.","start_word":317,"end_word":323,"sentiment":"positive","sentiment_score":0.655067503452301},{"text":"So, Lardia, with the advice piece, we did your annual review late last year. I do apologize. I have been a little bit late coming.","start_word":324,"end_word":348,"sentiment":"neutral","sentiment_score":-0.06935928761959076},{"text":"The good thing about this is once I have the advice document ready to go earlier this year, we actually stopped and went back and rejigged it a little bit.","start_word":349,"end_word":378,"sentiment":"positive","sentiment_score":0.3406580984592438},{"text":"So you've probably noticed there's been some changes in the markets.","start_word":379,"end_word":389,"sentiment":"neutral","sentiment_score":-0.10105910152196884},{"text":"Things are a little bit up and down at the moment.","start_word":390,"end_word":400,"sentiment":"negative","sentiment_score":-0.3679865598678589},{"text":"Mhmm. So we've gone back and reviewed, obviously, your goals with regards to your super, your retirement goals there. I've made some recommendations, but also looking at altering the portfolio for you as well as we have kind of noticed there has been some changes in the market, and we do wanna Yep. look at maybe moving some underperforming investments and looking at moving you into something a bit more passive and low cost as well. Okay? Yep. Yep. So with this advice piece, it is sort of structured to essentially just your super as the main the main area that we are looking to scope in. Essentially, you wanted to be able to access super at around about 62 to 63. Your target balance at that time when you're accessing is you kinda wanted to reach between 350,000 to 500,000. So That's we've looked right.","start_word":401,"end_word":546,"sentiment":"neutral","sentiment_score":0.23309943079948425},{"text":"at kind of, yeah, we've looked at kind of what to do to sort of help you along to to, you know, keep you on track towards that goal.","start_word":547,"end_word":575,"sentiment":"positive","sentiment_score":0.41497817635536194},{"text":"It is really important that when we are looking at market and market reactions and and projections that these are just projections.","start_word":576,"end_word":597,"sentiment":"neutral","sentiment_score":0.2680222690105438},{"text":"So we'll keep reviewing things moving forward to sort of keep you along. And as we need to update the advice, please, we'll absolutely look at doing that for you.","start_word":598,"end_word":627,"sentiment":"positive","sentiment_score":0.4514220356941223},{"text":"Okay? Okay. I've also scoped in the estate planning side of things. So when we sort of spoke, you didn't have a will, but you did wanna make sure that your beneficiary nominations were completed so that the benefit in the event of passing could be paid out to your girlfriend, Lynn, also your daughter, Sierra, and you wanted your brother as the other beneficiary there. So I have as part of the advice included the estate planning side of things to make sure that your beneficiary nominations on your super are set up correctly to benefit your beneficiaries in the right way and also making a recommendation that you speak to a solicitor to have a will and power of attorney drawn up because they're also very important. Okay? Yep. Okay. Because we are looking at your estate planning as as sorry. As your super and your retirement goals, I've also factored in just a limited scope of your retirement aspect. So you're a little bit further out than what we'd like to be able to really look at the drawdown aspect in retirement, but I can, on a limited basis, factor in the retirement, which essentially was not recommending a certain drawdown. It is looking Yep. at the long term effect of the recommendations that we're making and looking at where we hope to end up based on these recommendations. Okay? Yep. Areas that we've scoped out for now are insurances. So you are comfortable with the level of cover that you have. Didn't wanna look at getting any new cover at all. Just wanted to retain what you have for the time being.","start_word":628,"end_word":903,"sentiment":"neutral","sentiment_score":0.10002758515917735},{"text":"Super is kind of your main goal.","start_word":904,"end_word":910,"sentiment":"positive","sentiment_score":0.3466615676879883},{"text":"Here you are working towards retirement and getting closer to that, and that was something that we discussed that was really important to you. Okay? Yep. Yep. And then scoping out any additional areas of debt management and cash flow and budgeting, we can help you and provide additional advice down the track in those sorts of areas, but they have been stripped out of this advice piece for you at the moment. Okay? Okay. Yep.","start_word":911,"end_word":986,"sentiment":"neutral","sentiment_score":0.15288062393665314},{"text":"Perfect. On the front page of that, when you are looking at the advice document, it does have your lovely name there, and it also lets you know that the advice has been structured and done by myself, Dana Taylor.","start_word":987,"end_word":1026,"sentiment":"positive","sentiment_score":0.3979610502719879},{"text":"My authorized representative number, if you ever wanted to look that up, is 1304394. And I'm an authorized representative under Oakview Financial, registered with ASIC. Okay?","start_word":1027,"end_word":1052,"sentiment":"neutral","sentiment_score":0.1240752711892128},{"text":"Fantastic. Perfect.","start_word":1053,"end_word":1054,"sentiment":"positive","sentiment_score":0.6909096240997314},{"text":"So to jump into the recommendations there for you, so what I am actually recommending, sorry, is that because you are about seven years out of that age 63 mark, six Mhmm. years away from age 62, I have had a bit of a look at the super fund. I am recommending that you do stay within Hub twenty four.","start_word":1055,"end_word":1114,"sentiment":"neutral","sentiment_score":0.047692932188510895},{"text":"Hub twenty four is still a great platform. It is still working for you, and there's no sort of need to change the platform at the moment.","start_word":1115,"end_word":1141,"sentiment":"positive","sentiment_score":0.5172054171562195},{"text":"I am, Okay. however, recommending that we alter your portfolio. So you were in an an older, high growth portfolio. You were still comfortable staying at high growth environment for maybe another year, but you Mhmm. wanted to sort of look at something a bit more passive. And since this year coming back, there has been some changes in the market conditions with what is happening out there globally. Yeah. So I Yep. have gone back and reviewed the investment portfolio to look at how we make a recommendation to alter that for you. So when you are reviewing the document here, down on page number 19, you will see essentially what we are looking at buying and selling. So out of your old portfolio, we are removing the ban along Australian equities. That investment Mhmm.","start_word":1142,"end_word":1277,"sentiment":"neutral","sentiment_score":-0.020881684496998787},{"text":"in the last couple of months has been underperforming.","start_word":1278,"end_word":1286,"sentiment":"negative","sentiment_score":-0.4321407973766327},{"text":"So I wanted to Yeah. remove that, and I figured doing it all as one advice piece as much as it's kinda been a bit longer since we last spoke. If Mhmm. I had provided the first advice and gone back and redone it, it's basically incorporating two of the exact same advice pieces. So it was better to go back, restructure the investments, and provide everything to you now as one big advice piece so you can see everything as a whole. Does that make sense? Yeah. Is that a statement of advice by any chance? It is. Yeah. Yeah. Okay. Let me have a look here to see You're if it right. is. Does Yeah. it come through It it for sounds you?","start_word":1287,"end_word":1411,"sentiment":"neutral","sentiment_score":0.05548348277807236},{"text":"like I mean, it sounds like a solid decision on that one.","start_word":1412,"end_word":1423,"sentiment":"positive","sentiment_score":0.40221139788627625},{"text":"Again, just based on the geopolitical, I mean, guess what's happening right now with the war, Absolutely. Absolutely. I'm probably going to lean more into something more stable. Something Yeah. something that I I won't be able to lose my my investments Yeah. overnight. Mhmm. Understandable. Yeah. When you when you go have that open, if you're looking at page number 19, that's kinda where Yep. I am at the moment just 19. so we can run through the changes in the investment portfolio Yeah. for Go you. for it. Yeah.","start_word":1424,"end_word":1514,"sentiment":"neutral","sentiment_score":0.04858148470520973},{"text":"Go Beautiful.","start_word":1515,"end_word":1516,"sentiment":"positive","sentiment_score":0.4288840889930725},{"text":"for it. So as I kinda mentioned, Bennelong has been underperforming a bit, so we are removing that investment as a whole.","start_word":1517,"end_word":1538,"sentiment":"neutral","sentiment_score":-0.2596575915813446},{"text":"With their underperformance, the investment committee have met. We've decided as the business is no longer beneficial for you, so you'll see completely selling you out of that.","start_word":1539,"end_word":1566,"sentiment":"negative","sentiment_score":-0.4172261357307434},{"text":"Mhmm. We're Yeah. also gonna be removing out of the battery and lithium tech. Look, it has been a good area, but it is it was in this portfolio as more of a sector where we're looking to get higher growth and can be quite volatile. Mhmm. Okay? Yeah. Great. Yep. Yeah. We're also looking to sell completely out of the agriculture you have in the the beta the beta shares global agriculture sector. It has been Mhmm. very good moving forward, but, again, this was something that was in the back a while ago and now has sort of been assessed as being possibly removed and looking at other areas to seek future growth. We are Yep. keeping a bit of cybersecurity. It is still a really important area moving forward, but we are just gonna rebalance it a little bit so you'll have a little Okay. bit more cybersecurity than what you currently have. With the Asia fifty, we're gonna remove you out of that completely and sell that off. We're gonna buy into the iShares European. So whilst there is a bit of volatility out there, the European market is still really important. This encompasses all the European countries.","start_word":1567,"end_word":1768,"sentiment":"neutral","sentiment_score":-0.05820513889193535},{"text":"So you are looking at diversification within that investment area, and it's a really good place to be at the moment.","start_word":1769,"end_word":1789,"sentiment":"positive","sentiment_score":0.6589782238006592},{"text":"The s and p 500. So whilst there is a bit of volatility and a lot of uncertainty around The US equities, it is still really important to have US exposure. Whilst there's short term volatility now, long term, investing within The US does outperform and provide great potential growth there. So we are looking to keep you in the S and P 500, and we're just gonna increase that exposure a little bit. Okay? Okay. Now may I ask you, what's Sure. if you're going to take up this stuff in a portfolio, right, I mean, you could see already been along. Yeah. Equicent is my largest one down here. What what are Yeah. you going to use those funds and allocate those to? The Bennelong? Absolutely. So on the bottom of that table, the second one from the bottom, you'll see the beta shares a 200. So Bennelong was originally put in there as more of an actively managed component. So we're gonna sell that off and move that component into the BetaShares a 200. I see. It's still giving you access to the Australian share market, the top 200 companies on on the ASX, But this Mhmm. is more of a passively managed fund. It's set to track an index. It follows the top 200 companies on the ASX there. And, essentially, the best thing about between a 200 and the S and P 500 is that they're there to track the top 200 companies That's in right. Australia or the top 500 in The US. So because they start tracking a certain index and a set amount of companies, it's not telling you exactly what companies you have to follow. So with the top 200, in order for them to be in the index, they have to meet certain criteria. And so the, you know, the builder of the index is the investment committees around each of the indexes. They tend to meet on a quarterly basis, and they assess Okay. the companies that should be in these indexes. If these companies don't meet the criteria, they are removed out and other companies are Yep. moved into their place. So you are Yep.","start_word":1790,"end_word":2156,"sentiment":"neutral","sentiment_score":0.06283308458019667},{"text":"always invested in the top 200 companies on the ASX and the top 500 within The US. So it's kind of giving you a little bit more certainty that you are always following the top companies in those indexes.","start_word":2157,"end_word":2195,"sentiment":"positive","sentiment_score":0.3939182162284851},{"text":"Yep. So the risk of those companies going bust and then that money going bust is minimized that way for you, if that Yeah. makes sense. Now is Yeah. in this PDF there, is is it laid out exactly where where you're reallocating? I mean, obviously, the next big one is the Vanguard Divisional Conservative. Yeah. What Yep. else here? It's the ISH Asia. And I I mean, I agree with the battery tech also. Right now, lithium is not Yeah. producing. It's Yeah. down. So So I just just wanna correct. find out how what are you gonna reallocate those two so that we I can get the Yep. most out of my the money on You're right. anything. So you can So totally see that essentially. So by selling off the ones in red there, the ones in green are where we're buying into. So it's not about reallocating exactly that amount of money. They've kinda got the portfolio, and we've worked out what percentage the recommended weighting should be. By Yes. selling those investments in red, we're reallocating the funds in line with the recommended weighting so that you're buying into the ones that you don't currently have and just rebalancing the ones that you currently hold that we are keeping. Does that Mhmm. make Okay. sense? Yep. Yeah. It does. It does. And then the recommended balance at the end shows you how much you should have in weighted as a dollar Yep. figure in each of those investments once we've completed those buyers. So you'll still keep some physical gold. Sorry. You don't have any at the moment. We are adding physical gold. I do Yeah. apologize. I'm I'm with the price of it, that's that's coming up down there.","start_word":2196,"end_word":2490,"sentiment":"neutral","sentiment_score":0.04789355397224426},{"text":"I mean, you can see already it's just ridiculous, and that's gone up a lot.","start_word":2491,"end_word":2505,"sentiment":"negative","sentiment_score":-0.42019122838974},{"text":"Absolutely.","start_word":2506,"end_word":2506,"sentiment":"positive","sentiment_score":0.3730384111404419},{"text":"Yeah. Yeah. Yeah. So having some physical gold in there is Mhmm.","start_word":2507,"end_word":2518,"sentiment":"neutral","sentiment_score":0.2178790420293808},{"text":"great.","start_word":2519,"end_word":2519,"sentiment":"positive","sentiment_score":0.6396327614784241},{"text":"You'll have some a 200, so Australian 200 exposure. The Vanguard All World x US, Yep. so this is giving you exposure to the entire world minus US because you have the S and P 500 in there as well. We're keeping a little bit of Japanese exposure.","start_word":2520,"end_word":2567,"sentiment":"neutral","sentiment_score":0.198164165019989},{"text":"It is still a really good area to have.","start_word":2568,"end_word":2576,"sentiment":"positive","sentiment_score":0.5853251814842224},{"text":"And, historically, Japan has moved not so much in unison with Australia and US markets. It tends to move a little bit separately, which has been Mhmm. an advantage Okay. in the past. Keeping some S and P 500 and way re wasting it a little bit, keeping some European exposure there, keeping some cybersecurity. And on the next page, you'll see Yep. the BetaShares Bank hybrid. So Yes. you Yep. don't have any of these. These are more of a defensive investment.","start_word":2577,"end_word":2659,"sentiment":"neutral","sentiment_score":0.0411357507109642},{"text":"Having these in your portfolio at the moment is still a benefit.","start_word":2660,"end_word":2671,"sentiment":"positive","sentiment_score":0.4267582297325134},{"text":"It's important to have some low risk defensive investments Yep. for cash for burn producing, but also when equities don't do so well, having defensive investments like these bank hybrids works in your advantage. They're cash producing Okay. at lower risk, and then having some physical gold helps as well. Okay? Yeah. Yep. Just out of curiosity, obviously, is this Yeah. port I I think, yeah, we did. If this is reviewed every single year, right, or it can Yes. can it be reviewed every single six months or three months Yeah. to see Absolutely. how it's performing and then Yeah. pick Absolutely. yeah. We Okay. can do a Great. catch up every six months if you want to. I can do one every three months. Generally, in the shorter term around every month to three months, you don't see as big a changes. No. But if you No. wanted to, I could organize a catch up with you once every six months where we have a look at what your portfolio is doing, how it's performing, and then sort of look at, you know, rejigging it if we need to. Does that as well as doing your annual review because we do that every year as well. Okay. Yeah. I'd like Yeah. that. Again, I I wanna continue to adjust it so I get the maximum amount out of of Mhmm. my investments right now. Right? Yep. Since I have it's not a lot huge, Yeah. but if I start if I work right now and just continue reviewing it to see how it's performing, then hopefully, by the end of the year, we'll at least get it closer to to 2 Yep. 2 Yeah. 100 instead of Absolutely. instead of it's a bit static. If you notice, I mean, my investment has has just been it's just been like a bear. Yeah. Yes. Just, like, jumping up and down within within the $1.70 mark. Right? And Yeah. I wanna Yeah. see if I could improve Need that. to crack that a little bit. Absolutely. And Yeah. that does also bring me to the other recommendation with regard to this. Mhmm. Now I am also recommending that you do start a salary sacrifice arrangement there, that we Okay. do increase your contributions in. It is completely up to you as to whether you do this or not. However, when I kind of rang the ran the retirement scenarios looking and projecting everything out, in order to get you to that kind of mark, because of the market volatility we are seeing, we did need to maybe increase your contributions a bit there as well. Mhmm. So Okay. I am recommending that you increase your salary sacrificing about a $150 on a weekly basis if it's working within your budget. One of the things I talked about was rejecting, yeah, just letting you know what we needed to do to kinda get to that point and then to come back as part of the advice, and you can review that and tell me whether you're comfortable taking that on board. You can start with a lesser amount and kinda build that up. But the main reason I'm starting that recommendation now is because we are seeing the volatility. Adding a you know, your super balance. And as the market's come out, I just see recovery.","start_word":2672,"end_word":3236,"sentiment":"neutral","sentiment_score":0.1094705631247664},{"text":"Adding more money in is only gonna provide a greater advantage.","start_word":3237,"end_word":3247,"sentiment":"positive","sentiment_score":0.3971576392650604},{"text":"It is better to add the salary sacrifice now as opposed to waiting for another three or five years down the track. Because if you think about a $100 compounding over ten years or compounding over six or seven years, it has a much greater effect than if you were sort of having a $100 compound over three or four years.","start_word":3248,"end_word":3308,"sentiment":"neutral","sentiment_score":0.25262653827667236},{"text":"So starting salary sacrifice now is really important.","start_word":3309,"end_word":3316,"sentiment":"positive","sentiment_score":0.3435510993003845},{"text":"And when I projected out as per, you'll see on page number 13 there.","start_word":3317,"end_word":3330,"sentiment":"neutral","sentiment_score":0.21935224533081055},{"text":"With the changes in the investment structure, the newer investment portfolio is actually cheaper, saving you about $4,546 for the first year in investment fees, which is a great saving. It's also saving you about $82 and any other fees applicable to the fund there, which again is really good. And increasing your contributions by that $150 on a weekly basis in the super provides a greater longevity effect. With the way the portfolios have performed, on the bottom of that table, you'll see the five year rolling average here.","start_word":3331,"end_word":3420,"sentiment":"positive","sentiment_score":0.5980145931243896},{"text":"Now I, by no means, expect that you're gonna get 19% out of this portfolio on every single year. I've actually got Mhmm. on the next page a more conservative projection there for you. So because I don't think you're gonna get 19% every year, if you were able to get 19% every year up to the next seven years, you could see yourself with over $600,000 in super in the next seven years, which would be fantastic. However, Yeah. Yeah. the way I'm sort of projecting it out on a more conservative level is by with, say, an average rate of return looking at about we've done about a 8% return with your increase in salary sacrifice plus your current contributions.","start_word":3421,"end_word":3542,"sentiment":"neutral","sentiment_score":0.2553328573703766},{"text":"You would actually expect to have over 370,000 in the next seven years.","start_word":3543,"end_word":3555,"sentiment":"positive","sentiment_score":0.3598904013633728},{"text":"So I'd expect you to end up between the 370,000 to about 500,000, which is kind of where your goal is, and this Yep. recommendation sort of puts you in that in that bracket around your retirement years given the different market conditions. I Okay. do wanna So look in yeah. You're right. okay. So the question is, do I just need to go through my my employer to basically ask for salary sacrifice to this amount by any chance? How Yeah. So we can provide does a that letter work then? that's okay. Yep. We can provide a letter for you which outlines all the information. We can email that to you as part of the implementation, and then you just hand that to your payroll or to your employer, and they will just Yes. start the salary sacrifice with your income. Yeah. Okay. So I've got two scenarios here. Okay? So Yeah. Sure. with with with the $150 a week salary sacrifice, what Yep. what are the analytics in seven years' time, let's just say, that's projected? So you're saying around close to $370,000 to $500,000 depending on what the market Yeah. dictates? Yeah. Correct. So when I did the on the page number 14 there, you'll see my conservative projected amount because I don't I you're see. not gonna get 19% every year.","start_word":3556,"end_word":3781,"sentiment":"neutral","sentiment_score":0.11441703140735626},{"text":"Markets don't Yep.","start_word":3782,"end_word":3784,"sentiment":"negative","sentiment_score":-0.3369565010070801},{"text":"work that well, unfortunately. You will Yep. get years where you'd probably get that amount, but you're also gonna see lower rates of return. So this is assuming a conservative rate of return of about 8%, which is utilizing your risk profile return. And because you are closer to those retirement years, that's probably more appropriate for Yep. you. So based on your Right. current balance, receiving a regular 8% return on a yearly basis and including your current contributions plus salary sacrifice, Yep. we can Yep. estimate or assume a a total super balance of around about 376,000 in retirement years. I'll I'll kinda wanna boost on that and try and get a higher than that, but this is showing you a reasonable projection on a conservative rate of return. And then the top option in that recommended table, that is showing you if you were able to get that 19% every year out of the portfolio, this is where you could end up. So I'm likely expecting to see you in between those two figures, which essentially is where your goal is at, but we Yep.","start_word":3785,"end_word":3972,"sentiment":"neutral","sentiment_score":0.17517145572507636},{"text":"wanna make sure we're building and boosting on that.","start_word":3973,"end_word":3981,"sentiment":"positive","sentiment_score":0.37878456711769104},{"text":"So starting salary sacrifice can can help us to build on those, but this is kinda showing you the degree of where we'd expect you to be around those retirement years. Does that make sense? Yes. So I'm just calculating here. So one that's basically $600, right, a month times 12. So 7,200 a year times, let's say, seven years, $50,000. Now what if I were to increase that to a $175 a week times four? Yeah. You absolutely could there. I'm just double checking. So when we look at because we wanna make sure you don't exceed the cap in any way, Yeah. shape, That's or form, correct. the concessional Yep. cap. So your income, you've got a 159,000 there at the moment. I'm just gonna pop that into the the pay calculator I have here just to Yeah. have a look at the the cap space we have. The $1.59.","start_word":3982,"end_word":4133,"sentiment":"neutral","sentiment_score":0.06889580935239792},{"text":"Beautiful.","start_word":4134,"end_word":4134,"sentiment":"positive","sentiment_score":0.3491077423095703},{"text":"Are you expecting an increase anytime soon? Yep. Yep.","start_word":4135,"end_word":4143,"sentiment":"neutral","sentiment_score":0.07228567451238632},{"text":"So Beautiful.","start_word":4144,"end_word":4145,"sentiment":"positive","sentiment_score":0.3548916280269623},{"text":"yeah. That's the thing, though. Yep. That's okay. So looking at the current concessional contribution cap and your current $1.59 income, you have capped space of about $210 on a weekly basis. So you can increase Oh, that okay. to a 170 if you wanted to.","start_word":4146,"end_word":4191,"sentiment":"neutral","sentiment_score":0.0886402577161789},{"text":"It's absolutely Yep. fine.","start_word":4192,"end_word":4195,"sentiment":"positive","sentiment_score":0.4482447803020478},{"text":"Yep. And we do review this with you. So you and I will catch up. We'll do we'll review the contributions Yep. you're putting in, what your cap base looks like, you know, what the super's done in that time frame, you know, whether we need to take advantage of down times and what we're looking at as we get closer and closer.","start_word":4196,"end_word":4258,"sentiment":"neutral","sentiment_score":0.12294048070907591},{"text":"Because you do have quite a bit that you were able to save on a regular basis.","start_word":4259,"end_word":4275,"sentiment":"positive","sentiment_score":0.4178474545478821},{"text":"So if you Yeah. wanna increase that to $1.","start_word":4276,"end_word":4284,"sentiment":"neutral","sentiment_score":0.2297421991825104},{"text":"70, you absolutely can.","start_word":4284,"end_word":4287,"sentiment":"positive","sentiment_score":0.4424911439418793},{"text":"I just Yep. wanted to make it a conservative recommendation so I'm not eating away all of your excess funds and showing you that this is what we needed to do to kinda get you into that gap for what you're after in retirement, but we can always build and exceed Yep. on that if we need to. Yeah. And and yeah. We Perfect. can't change it though at at the end of the at the, like, let's say in six months time, we could catch up Yep. and say, hey. It's it's Absolutely. chewing in too much into my salary. But Yep. currently right now, I'm I'm quite comfortable with that amount. Yep.","start_word":4288,"end_word":4401,"sentiment":"neutral","sentiment_score":0.13114109635353088},{"text":"Perfect. So, yeah, that'd be good.","start_word":4402,"end_word":4407,"sentiment":"positive","sentiment_score":0.4799850881099701},{"text":"Absolutely. Can you draft with me a letter by chance and just so I Yeah. can present this to my HR? Yeah. Absolutely. So once you sign the advice and return it back to me, Okay. if you want, you can always on the very last page, we've got a little note box. You can just Yep. say that you wanna increase the sales back $1.70. And as soon as I get that back, I'll get my team to draft up a letter for you and send it through. It shouldn't be a problem. Okay? Okay. No worries. Yep. No worries.","start_word":4408,"end_word":4508,"sentiment":"neutral","sentiment_score":0.13131439685821533},{"text":"Beautiful. Oh, yep. Sounds good. Excellent. That's okay.","start_word":4509,"end_word":4516,"sentiment":"positive","sentiment_score":0.4612135291099548},{"text":"The only other thing to kind of point out with regard to these investment changes and these recommendations are we sort of talked through the advantages of it.","start_word":4517,"end_word":4544,"sentiment":"neutral","sentiment_score":0.1852113902568817},{"text":"It is a lower cost in investment fees, which is an advantage. It's less fees. We have more money back in your super fund than working Fantastic. compounding higher towards your retirement goals, which is fantastic and great.","start_word":4545,"end_word":4582,"sentiment":"positive","sentiment_score":0.5184745788574219},{"text":"We also do factor in the CDT consequences and the cost. So whenever we are switching investments, there are capital gains. So your super fund like, you do a tax return every year. Your super fund does a tax return every year as well. Okay. On that investment returns page, back on that page number 13, on the top corner, you'll see it does have a figure of $617. Essentially, with them changes as per the research, we estimate the CGT consequences to be about $617. So very little CGT, which is great because some of those Okay. underperform those funds have been underperforming. It's offsetting any gains to make a lot of those changes. So it has reduced Yep. the CGT as much as possible. Okay? Okay.","start_word":4583,"end_word":4710,"sentiment":"neutral","sentiment_score":0.11810677289031446},{"text":"Fantastic. Perfect.","start_word":4711,"end_word":4712,"sentiment":"positive","sentiment_score":0.5727196931838989},{"text":"Yeah. 600 This document, 70. that's okay. Sorry. This document does outline the best interest to you as well. We do make sure any advice provided is in your best interest. So I have a best interest statement in each of those recommendations that you're welcome to have a read through. It just explains essentially, basically, what I've gone through that making the changes. The newer investment portfolio has seen a greater track record. It is lower cost, which is important, and increasing your contributions by way of salary sacrifice now as opposed to down the track has a greater projected outcome into retirement there for you. And the CGT is essentially offset. The CGT, we can justify because making these changes into a better portfolio, cheaper portfolio, essentially, you're saving you money. So, you know, CGT now for a better outcome and down the track, essentially, if that Yeah. makes Yeah. sense. Yeah. Yeah.","start_word":4713,"end_word":4867,"sentiment":"neutral","sentiment_score":0.16864804923534393},{"text":"That sounds good. Excellent. Sounds good.","start_word":4868,"end_word":4873,"sentiment":"positive","sentiment_score":0.4302630126476288},{"text":"So All I good. am just looking at just growth here. So what's the projection if I increase that to $1.70 then? Because right now you've got an estimate of $3.76. Target It let income I'll 70. you're right. I just have to go back into the back end system to see if I can throw that in there for you. Sorry. Yeah. Won't be two seconds. Thank you. Just something wrong with that one. Sorry. It won't be a moment. I'm just opening No up worries. the back end system. Just takes a moment.","start_word":4874,"end_word":4968,"sentiment":"neutral","sentiment_score":0.023738712072372437},{"text":"It's a little bit slow.","start_word":4969,"end_word":4973,"sentiment":"negative","sentiment_score":-0.4462866187095642},{"text":"Okay. What I can do, if you like, is I can go back and I can just get an updated one and email it to you after the call. Is that okay? Yep. That's fine. Just send That's just send alright? me an email to see what the changes are. I'll Yeah. I'll review the documents later on, Yeah. That's okay. if Not not a problem. by tomorrow. It's no. That's okay. It's not a problem. Just taking a little bit of time to open up, and I thought it might be easier if I just run it after the call for you and email it through so you've got that to review with the documents there. Okay. Okay.","start_word":4974,"end_word":5092,"sentiment":"neutral","sentiment_score":0.10454389452934264},{"text":"Sounds good. Sounds good. Beautiful.","start_word":5093,"end_word":5097,"sentiment":"positive","sentiment_score":0.5940667390823364},{"text":"Okay. No worries.","start_word":5098,"end_word":5100,"sentiment":"neutral","sentiment_score":0.2964821457862854},{"text":"Excellent.","start_word":5101,"end_word":5101,"sentiment":"positive","sentiment_score":0.46571338176727295},{"text":"No worries at all. The second recommendations in there again are with the salary sacrifice. We do have a bit of table that essentially shows your current position with no salary sacrifice and the proposed increase in the salary sacrifice position there. And it shows the difference in contributions and the difference for sales tax is a pretax contribution, so it helps to reduce the income tax, which is a benefit. It Yeah. does, however, reduce your take home pay as well, so there's also that disadvantage for doing it. Okay? What about on tax time? Also, that's the only other thing too. On tax So time, because it's, what's yeah, because it's at it's a pretax deduction out of your income, it doesn't really Yeah. have any deductions that you can add at tax time, unfortunately, but Okay. it does reduce the income tax that you are paying out of your income on a regular basis. So we estimate with increasing the salary sacrifice or adding the sales back at $150, the net saving of tax is about $18.72. That's the difference between the tax you pay inside super to the tax you you would have paid outside of super. So, you know, $1,800 tax difference on net tax saving isn't too bad as well. Okay. And will I have the what's the implication? Obviously, I've I've increased my insurance on that one to compensate for for any tax returns. Will that have the implication also of increasing my taxes when it's time for me to to basically do my income taxes at all if I do a salary sacrifice offer? Sorry, Eladie. I don't quite think I don't understand. Can you repeat that? I'm so sorry. Okay. So my my personal my is it pre a personal insurance. Right? Yep. I've, like, increased it a few years ago just because of Right. the fact that I was early born. So Yep. if I do the combination of keeping the amount, the increased personal insurance versus and and salary sacrifice, Mhmm. will that be Mhmm. to my advantage also? Because of the fact I'm lowering my my income because of I'm salary sacrificing, but I'm still keeping the the amount of insurance coverage I'm I'm doing for myself. How how does that balance out? It okay. I was you don't actually have any income protection on here, and the only sort of income protection that really provides any benefit with your income is income protection. So No. No. the Sorry. yes. No. This That's is okay. that I I was I wasn't talking about income protection. I was talking about, like, BUPA, for example. Right? I'm I'm Your with health BUPA. insurance. Got Yeah. you. My health So insurance. sorry. Sorry. Good. Sorry. No. That's okay. So if you are you sort of saying that you're decreasing or canceling your health insurance? No. No. No. I increased it a few years ago because of the fact Yeah. that I was Right. I was making more. Otherwise, I'd have to pay. Right? So More levy. what Yes. how much more advantage do I if I do a salary sacrifice and I still keep my and I still retain or stay with the insurance, the extra insurance I paid for for for my health insurance? Is that gonna be to my advantage? Not No? really. So your Okay. assessable taxable income works on your what you earn from your employer plus your contributions in the super. So I it's see. it's not really gonna change the advantage in any way. You would still Okay. need to keep your health insurance at the same level Yep. as what you have. Does that make sense? I'm so sorry I misinterpreted that for you. Yep. Sorry about Yep. that. That sorry. Just just scenarios No. I You're was fine. I was asking you Yeah. about. But yeah. Okay. That's all I needed to know. Yeah. No. That's okay. So sorry I misinterpreted that for you, Ladia. That's That's not okay. I'm glad we got to the bottom of that one. But, yeah, look, honestly, Yeah. your your total assessable taxable income considers everything, your contributions in the super as well as what you earn from your employer. That's what goes Yep. on your assessable income at the end of the financial year. So you'll still need to keep your private health insurance at the current level to to get the advantage of that, unfortunately, because it's expensive, isn't it, your private health insurance? Oh, yeah. It is. But, again, it's it's quite comforting to know that when I go and do my taxes that I'm not I'm making Pay money the levy. rather than paying money Yes. to the government. Absolutely. I I understand. I'd rather pay for my private health insurance than pay the extra Medicare levy. I do agree with That's you on correct. that. Yep. That's correct. So No. All good. The only other part of the recommendation there is to look at your to look at your beneficiary nominations here. Yes. Yes. Yeah. So what I'm actually recommending is that we do nominate an your LPR, your legal personal representative. That essentially means that in the event of passing around I do apologize. I'm gonna update this document slightly because it looks like my power plan has just not nominated all of the individuals, but we actually need to nominate your LPR or legal personal representative. This essentially means that in the event of you passing away, your super benefit as well as your life insurance gets paid Yep.","start_word":5102,"end_word":6040,"sentiment":"neutral","sentiment_score":0.0032306048918428164},{"text":"to your will.","start_word":6041,"end_word":6043,"sentiment":"positive","sentiment_score":0.3523380160331726},{"text":"It goes to your estate.","start_word":6044,"end_word":6048,"sentiment":"neutral","sentiment_score":0.3279113471508026},{"text":"And then under your will, you can then nominate your partner, your daughter, and your brother to have an equal split and have everything combined and then split between them as more of a fair nomination.","start_word":6049,"end_word":6084,"sentiment":"positive","sentiment_score":0.33578675985336304},{"text":"Okay? Okay. Alright. Yeah. I did just So notice a slight error in this document. I'm gonna have this updated and resent to you shortly, and I'll add the extra projections in there for you as Okay. well. So what's my the nominees, Tanya? First of all, my daughter's name Yeah. is spelled incorrectly, and Yes. my brother's So sorry. name is my brother's name is not your brother. No. I know. I'm so sorry. So I I saw that typo, again, and it's I was like, no. yeah. We'll update It's that it's for you. What that's is your that's brother's not gonna name, if it's okay? yeah. You can imagine if I died and they're like, oh, yeah. Your brother. I'm like, is that your name? Yeah. In your will, you would actually nominate the name of everyone. This Yeah. is just Yeah. kind Okay. of nominating how you wanted things, but I'm happy to update that with your brother's name. What how do you spell his name, and what is his name? Sorry. Okay. Let's start with my daughter. It's Yep. it's not it doesn't start with s. It starts Okay. with c. So c I a r r Yep. a.","start_word":6085,"end_word":6288,"sentiment":"neutral","sentiment_score":-0.011336828581988811},{"text":"Beautiful. Lovely.","start_word":6289,"end_word":6290,"sentiment":"positive","sentiment_score":0.4501814842224121},{"text":"And her surname And is the same as yours, Villa Flor. We have of course. Yep. yeah. Yeah.","start_word":6291,"end_word":6308,"sentiment":"neutral","sentiment_score":0.14273591339588165},{"text":"Beautiful.","start_word":6309,"end_word":6309,"sentiment":"positive","sentiment_score":0.3875128626823426},{"text":"And my brother's, it's the Yep. last name is the same, but Yep. his his first name is Christopher, Christopher. c Is h it c yeah. h r I s t o p h e r? That's correct. Yep. Yep.","start_word":6310,"end_word":6349,"sentiment":"neutral","sentiment_score":0.045930652506649496},{"text":"Beautiful. Lovely.","start_word":6350,"end_word":6351,"sentiment":"positive","sentiment_score":0.7535744905471802},{"text":"I will have that section updated for you because just looked at that and went, yeah, that's not what it's supposed to say. I Yep. will go back and update that, have it resent through to you, and I'll get an updated projection sent through as well Okay. just showing you the conservative projection within creating that one seventy for you. Okay? Okay. So moving forward with regards Yeah. to the nominees. Right? Yep. Do I need to go and talk to a lawyer specifically and and send out that binding document? Or how is this going to work? Are you going to recommend me some something? This is Yeah. something I I kinda yeah. Yeah. I've been I know I've been a bit lazy on on this No. side of things. Right? But Not at all. what's You've what's been busy. No. It's all so good. what's So what we'll do is we will update with you and help you with the binding nominations for hub 24 and Tau. We essentially just have to tick a box that says legal personal representative or Uh-huh. LPR. That Yeah. essentially means that on your super and your life insurance cover, if anything happens, it all gets paid to your estate. That is what Okay. we do on this end. The next part is that you do need to speak to a solicitor, and we can refer I mean, it's me send you to Okay. a Okay. referral for one. Or we can just send you the information on a solicitor and you're able to contact them, or we can resend the referral to them on your behalf and have them contact you. It's completely Please. up to I you. I'll please, you're right. can Sorry? can you have him call me? Because like I like I Yeah. said before, I've been procrastinating. It's been in the math of my mind, but I haven't done anything today. So I wanna get this sorted. Yeah.","start_word":6352,"end_word":6683,"sentiment":"neutral","sentiment_score":0.01462302468043853},{"text":"So I Completely appreciate your help. understand.","start_word":6684,"end_word":6690,"sentiment":"positive","sentiment_score":0.5666238069534302},{"text":"Not a worry at all. So what we'll do is we'll send the referral through. You'll speak to a solicitor there. They'll do up a will Mhmm. for you. And as part Yep. of that, you'll just let them know that your life insurance and your super needs to be included. And then in the body of the will, they'll just have it noted exactly who your nominees are. So Lynn, Sierra, and your brother Christopher there as well. And then Yep. if anything was to happen, if you were to pass away, and we hope nothing happens, essentially, the the executive of your estate, you just choose who the executive is, who the most trustworthy person is to take care of it. They will Mhmm. contact us. We will help with the claim. Everything gets paid through to your estate and then paid out to your benefit issues as per your will. Does that make sense?","start_word":6691,"end_word":6847,"sentiment":"neutral","sentiment_score":0.0440538227558136},{"text":"Great.","start_word":6848,"end_word":6848,"sentiment":"positive","sentiment_score":0.37339335680007935},{"text":"Yep. Yeah.","start_word":6849,"end_word":6850,"sentiment":"neutral","sentiment_score":0.2673227787017822},{"text":"That does. That's perfect. Beautiful. Perfect.","start_word":6851,"end_word":6856,"sentiment":"positive","sentiment_score":0.5883806347846985},{"text":"So what I'll do is I'll go back and update this page there for you. I'll get an updated projection. I'll do the conservative projection and send that through with all of this for you shortly so you have it there to have a look at. And then what we'll do is once you're comfortable with it, have a read Let me know if there's any questions you have. You sign it all, send it back to us, and we'll start by getting the sales tax letter ready for you. If you wanna increase the $1.70, just make a note on the very last page. You'll have a little section with a text box where you can make any alterations to the recommendations. Okay. We'll organize the referral to the solicitor, complete the switch of your investments there, and then also make sure that your sales act letter is set up for you to provide to your employer. Does that make sense? Yes. It does. Yeah. Yep.","start_word":6857,"end_word":7023,"sentiment":"neutral","sentiment_score":0.13039110600948334},{"text":"Beautiful. Beautiful. Okay. All good.","start_word":7024,"end_word":7028,"sentiment":"positive","sentiment_score":0.4786878228187561},{"text":"The only Anything other thing else? to let Yep. the only other Go thing ahead. is on page 35 no. You are fine. Is Yep. the remuneration side of things. So there's no upfront or implementation for the advice. We do call this complimentary because you're an ongoing service client. We wanna review things with you. I can make a note here that you want a six monthly catch up, and we can talk about things every six months as well as do your annual review there for you. But this Mhmm. outlines the ongoing service fee you are currently on with us. And it also notes there that with your TAL insurances, we do receive ongoing remuneration for them. So it's just disclosing how Yeah. much we receive from TAL for your policies. Okay? Okay. No worries. Excellent. 3,000 Not of a worry. 3,003 thousand $8.60. Right? Is that is that the annual That's amount? that's the dollar figure amount based on the current balance. Yeah. Yeah. Right. So you pay Okay. 1.65% on a yearly basis, and the idea is it fluctuates with the market. So based on the current balance, this is the estimated amount for the year. And with your account insurances, we receive 23% ongoing of the premium. So we Mhmm. expect it to be about $7.24 this year. However, our advice is meant to be in best interest and working towards your goals. So at any point, if you ring means that I need to increase or decrease or alter the insurances, we would do so because that's part of your goal. It has no know, it doesn't matter to us what the remuneration component is. We just need to disclose to you the remuneration we received from the insurer for that. Okay? Okay. No worry. I mean, All look good. happy to pay for it as long as I'm making Yeah. I'm I'm increasing my my super at the end of the year. Right? There's no point Absolutely. of doing this whole thing. And if we don't not Yeah. gonna go anywhere with it. Absolutely. So Absolutely. Look. There is a bit of volatility out there. So this year could be yep. a little bit bumpy, but we'll just keep in contact, keep seeing what's happening, and, you know, start that sales back and get those contributions in. We'll take advantage of the volatility that we are seeing at the moment. Okay?","start_word":7029,"end_word":7437,"sentiment":"neutral","sentiment_score":0.05753396432345829},{"text":"Sounds good.","start_word":7438,"end_word":7439,"sentiment":"positive","sentiment_score":0.519093930721283},{"text":"Okay. No All worries.","start_word":7440,"end_word":7443,"sentiment":"neutral","sentiment_score":0.2622743546962738},{"text":"good. Thanks so much, Eladio. I'll get that updated and resend to you shortly.","start_word":7444,"end_word":7457,"sentiment":"positive","sentiment_score":0.6062636971473694},{"text":"If you have any questions, please let me know at any point.","start_word":7458,"end_word":7469,"sentiment":"neutral","sentiment_score":0.24353882670402527},{"text":"As soon as it comes through with a new email, you'll know it's all been updated for you, and I'll attach the updated projections as well.","start_word":7470,"end_word":7495,"sentiment":"positive","sentiment_score":0.3421134948730469},{"text":"Okay?","start_word":7496,"end_word":7496,"sentiment":"neutral","sentiment_score":0.2292681187391281},{"text":"Great. Alright. So, Dana, thank you very much.","start_word":7497,"end_word":7504,"sentiment":"positive","sentiment_score":0.6109441518783569},{"text":"I'll wait for Alright. your updated copy. No worries.","start_word":7505,"end_word":7513,"sentiment":"neutral","sentiment_score":0.196000412106514},{"text":"Not a problem. I appreciate your time, Celadie. Thank you so much. I hope you have a good afternoon. You too. Thank you, Dana. Thank Alright you.","start_word":7514,"end_word":7540,"sentiment":"positive","sentiment_score":0.6598525643348694},{"text":"then.","start_word":7541,"end_word":7541,"sentiment":"neutral","sentiment_score":0.314947247505188},{"text":"See you later.","start_word":7542,"end_word":7544,"sentiment":"positive","sentiment_score":0.3659023940563202},{"text":"Bye Bye. bye. Bye.","start_word":7545,"end_word":7548,"sentiment":"neutral","sentiment_score":0.1733660101890564}],"average":{"sentiment":"neutral","sentiment_score":0.10581315298303344}}}}