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It was extremely unwell, so I do apologize. Okay. Okay. Are you thinking you kind of wanna change the strategy? Or Yep. You have to reduce your hours to less than ten hours per week. Yeah. Mhmm. Mhmm. Yeah. So the idea is that you need to be not gainfully employed or if you reduce your hours down to less than ten hours per week or if you do get a new role depending on what you're doing. Even if you get a new role, if you do work more than ten hours per week, it's not technically meeting the definition, but the idea is that you either retire or reduce your hours to under ten ten hours per week. Yeah. That's okay. Yeah. It it there is a little bit more to that. One of the ways and what people have done in the past is they have had more than one job. So, say, they've worked two casual jobs and they've resigned from one of those casual jobs and been able to access it for that way. But the alternative is essentially the general requirement is that you are requiring or working for less than ten hours per week after the age of 60. So it's kind of, you know, dropping hours as much as possible. The easiest way is to fully retire with no intention of returning back to work or if you keep your job as you are. At the moment, we can do that TTR sort of strategy there. But, yeah, just resigning one job and getting another one doesn't quite qualify, and it's a bit harder to do it that way. So yeah. Yeah. Yeah. Yeah. Well, I'll go through this one with you. Now this one here is based on you guys, you fully retiring as of the June 25. Essentially, if anything happens and you decide to go back to work or anything changes after that point, you let me know. We can always change the strategy. This is ever evolving. But I'm gonna send this to you guys both now. Is Carolyn there with you as well? Yep. How are you, Carolyn? All good. That's good. I'm gonna send this document through to you so you can both review it with me, and we can run through the strategy of what I've set up for you now. And before we kinda go through that individually, I do have to do security with you. Can I get you each to confirm your date of birth and address for me? Yep. Beautiful. No. Beautiful. Thank you so much for that. Now I've sent that document through to you there. Just let me know when it does happen to pop through. I've sent it through to each of you. So it doesn't really matter which one of you wants to pull it up, or if it's both of you, it's easier. Excellent. Excellent. So it is a joint statement of advice for both of you focusing on how we can access the funds in the best possible way to be able to pay down the debts. Another goal you guys have is you want to buy a a hybrid caravan down the track there as well. Caroline, you're looking forward to retirement at the age of 60 in September. And, Neil, your retirement date was the June 25 this year so far. Okay? Excellent. On the front of that document there, you will see it has been prepared for the both of you as of the 04/20/2026, prepared by myself and my lovely team here at OQ Financial, and my authorized representative number is 1304394. Okay? The next page outlines that the advice has been provided under best interest, so we make sure we understand your goals, what's happening with you guys, and what, you know, your objectives are, and we provide advice in line with meeting those goals and objectives. Advice is very fluid, so it can change. So if we get to, say, June and you tell me something's changing, we can just reupdate the advice and alter the strategy. There's no problems there. This sort of gives you an idea of what we're recommending now to help you meet those goals and then, know, what we look forward to or how this this is projected down the track for you. Okay? Excellent. So on the pages number three, four, five, six, I think it's also page number nine there. I've essentially got in there where we're scoping of the advice. So we've scoped in superannuation to make sure we're meeting both of your goals then. We've also scoped in the estate planning side of things. So because we are looking to withdraw funds and setting up a bit of a pension for you, I've looked at the best way to structure your beneficiaries so that the funds are paid to Carolyn in the event of passing. Absolutely. Yep. Yes. So the first if you does it have a button there that says sign or yep. Beautiful. So if you press that button and go forward to the next go forward, it should let you open and review that statement of advice there. Yeah. Yeah. That's okay. Oh, have you? Oh, no. Yeah. You're right. Now we're there. Beautiful. We're up to page number sorry. Number three, four, five, and six. Yep. Beautiful. So the first couple of pages there are your scoping areas, the areas that we are providing advice on. In the first column you have, we have your goals noted down there. And because we have more than one conversation, I've noted what conversation, I've noted what your original goals were and then the changes to those goals as per our secondary conversation. It is quite long. I do apologize. And then you've also got the reasoning behind the scoping in and how it relates back to your goals there for you. We've also got a state planning in to your goals there for you. We've also got estate planning in there for you and debt management. So you guys are wanting to draw that 160,000 down so that you can pay off all of your debts and be completely debt free. Caroline, when you turn 60, you still wanted to access your super there. You guys are still wanting to purchase a hybrid caravan, and I've looked at ways for you to utilize your super to offset as well. Okay? Beautiful. I've also included the retirement income needs. So because for all of the tentative purposes, Neil, you are planning to retire in June, I've also scoped in what happens and how we can utilize your super for you to draw an income on. If anything changes and you decide to go back to work after, you know, you started this retirement planning, we can just always change the strategy and move on to the next thing and update things. There is no issues in any way, shape, or form. I the strategy, as I said, is very fluid. We can change it at any point. We can update it. I can do an advice document every couple of months for you if you wanted to change your goals. So there is no issue with that at any point. You just let me know how you're tracking. Okay? To the next page, no. Page number seven has a limited scope. So I've scoped in Social Security just to a limited scope there. So because you are 61 at the moment, Neil, you can't access to the age of six sorry. You can't access Social Security or FenderLink until the age of 67. So we do wanna sort of make sure when you get to that point that you are able to access it. I've scoped it into only a limited basis, which means I'm looking at the long term effects of the recommendations that we've made and how they relate to Social Security and whether you might be eligible for it down the track based on your current circumstances. And as you get close to the age 67, we can keep reviewing these strategies. And when you're actually almost there, we can look at what level of Social Security is available, how to maximize that for you, and make sure it helps you to get longevity out of your sleep or down the track as well. Okay? Excellent. On the next page, page number eight, areas that we scoped out. So you guys don't have any insurances, personal insurances at the moment. With your ages, it is very hard to obtain new cover. It is very expensive. Your focus is essentially on retirement, paying down your debts, and, you know, enjoying your super and those, you know, retirement years down the track. So we're not scoping in any recommendations around the insurance side of things. Okay? Excellent. To make this a bit easier, I will sort of go forward past a couple of pages. When you guys after the call, you're welcome to go back and have a really good rate of the document. Let me know if there's any changes that you do wanna make and sort of taking because this is quite long. I'll skip through quite a few sections and just sorta hit the points that I need to hit for you to make it easier, and then you'll definitely be able to go back and have a really good read a bit together. Okay? Excellent. So I've set it out in three different stages for you. Stage number one is what we're gonna do now. So, Neil, the first recommendation is based on yourself here, and I am recommending for now we do retain your current strategy. You've got your TTR strategy. So you have your pension account and your super account in accumulation For the time being up until the 06/25/2026 when you officially retire, we are recommending that you retain that account for now. Retain everything as it is because it is working. You've got your contributions going into super, and you're drawing down a bit of income to offset what's being put into super. So if we were to look at changing that and stopping it now, you'd end up with a little bit less money at the end of the day. Yep. No. That'll that will absolutely stop. So we're gonna continue that up until the 06/25/2026 when you officially retire. We're also going to so we're retaining your super and your pension account as they are for the moment, but we are doing an investment switch for you. So I had a really good look at the way your super was and the investments that you do have in your super at the moment. And we know that if you go down to page 21 for me, this is essentially the changes we wanna make now to your super and your pension account. Okay? The first yep. You're alright. Tell you're fine. You tell me to slow down. I'm so sorry. My computer might be going faster than you guys. So the first thing here is that with the Benelon Australian Equities and the Bank Hybrid there, the Benelon Australian Equities in your portfolio has been underperforming a little bit over the past sort of couple of months there. So we wanna remove that investment and do a bit of a switch for yourself. So we are gonna sell down all the Benelon Australian equity. So you see the full balance there is being sold down to cash, and then you've also got the bank hybrids. Bank hybrids are more of a defensive investment for you, but they are being phased out in the future. So it is worth selling those down now, making it easier. That way, we don't have to sell them down in the future when the time comes. We're selling down the the Benelon Australian equities. We're gonna move all that money into the BetaShares a 200, which is the one on the bottom there. So the BetaShares a two hundred is still giving you exposure to Australian equities. It's actually helping to provide more diversification to your portfolio because, Banda Long Australian equities holds anywhere between 20 to 30 different investments within it, whereas the BetaShares a 200 holds the top 200 companies on the ASX. So you've actually got more exposure to Australian equities, creating more diversification for you, which is overall helping to reduce the risk of your portfolio. It's also more of a passively managed fund. So the way we see investment managers is there's an active manager, which means if that manager is buying and selling investments and trying to outperform against the market, and you tend to pay a bit more money to have that kind of an investment in your portfolio. Whereas a passive manager is just looking to track the market. So with the beta shares a 200, they're just tracking the top 200 companies on the ASX, and it's often cheaper to have more of a passively managed investment in your portfolio. So it's giving you more diversification, still giving you exposure to Australian equities, helping to reduce the risk of your portfolio, but it's also a cheaper investment for you as well. Okay? Yeah. So we'll put that into your portfolio and get rid of the then along there. And then we're getting rid of the bank hybrids removing them because they are being phased out as an investment. And to keep that defensive component for you, we're gonna put the money into the iShares core compass bond. Essentially, these are both corporate and bank and government bonds. Bonds are really great as defensive investments because they pay income payments on a regular basis. Think of them sort of like a term deposit. You're putting some money into these bonds, and every month or two or three, they're giving you income payments or, you know, like, interest payments out of the the term deposit, essentially. And those income payments get paid back into your cash account and reinvested back into your portfolio for you, which helps with the compounding effect. So we had a really good look at everything, and we decided to make this small change now to your portfolio just to make sure things were working a bit harder for you for the time being, but also making sure we're getting rid of those investments that are underperforming for you. Okay? Yeah. On the next page, you'll see your cash account there. So at the moment, Neil, you've got about 6.84% in cash. Within hub twenty four, you actually don't wanna have more cash than you need. Realistically, we're only supposed to hold about 1.25% cash there, so we do wanna invest that extra 3,000 into your portfolio as well. You end up when you have cash sitting in the cash account, you don't really get much in the way of a return from them, and you do tend to pay fees for having money sitting in cash. So you don't really wanna have a lot of money sitting in cash. You wanna make sure it's all invested in your portfolio and working harder for you. Okay? Perfect. Now that is your super account. You will note the balance on that previous page is only about 50,007 85. I've noted both of your accounts separately because you've got your TTR pension account there. We're gonna make the same change within that TTR pension account, and that's on the next page for you so you can see the difference there. Okay? All good. Essentially, within the account there, we do know there is gonna be CGT consequences for doing so. We had a really good look there. I do have it noted here for you. So sorry. It's just going back here. It doesn't have it down. Oh. Alright. No. That's okay. So if you go down to page number 26 there for me now, this is a fee table, and this essentially shows you that by making those small changes to your portfolio and the way we made it by selling off Benelon and the bank hybrids and making that change, there's actually no capital gains consequences to your super. So because Bennelong has been underperforming, and we're able to sell off the the Bank Hybrids, we're offsetting the losses made by Bennelong for the gains for selling off the Bank Hybrids, and your super fund will have no tax consequences. So no CDT tax for making that change, which is a benefit to you. Okay? On the second sorry. It'll be the third line down there, the investment fee line. The first column shows your current investment fees that you're paying between the two accounts. And then after we make that switch, you'll see there's a difference. The difference is $326. So by selling off that along, removing the bank hybrids, and moving the funds into the core composite bonds and the a 200, you can actually save for the year $326 on investment fees. So you're actually there's no tax consequences in making the change, and we're reducing the investment fees that come out of your portfolio as well, which is a benefit. Less fees, more diversification, no tax consequences, and we're removing those underperforming investments. So yeah. Works well. There's no real other change to any of this. I do know if you have a look at the bottom there. The five year rolling average by making this sort of switch, the and putting the a 200 instead of Van Along, the five year rolling average shows that the portfolio has actually performed better over the past five years. So moving forward, if the portfolio is worth the same as they have with the market conditions they've had, then you can sort of see that you could end up with about a 9.67% return on a yearly basis from this sort of portfolio as well as saving money, whereas the older portfolios only really averaged about 8.41%. So, you know, you've got the benefit there of this updated portfolio by making these small changes can have a greater effect long term long term on your super as well. Okay? Beautiful. It is a lot to go through, but do you have any questions for me at the moment? Please let me know if there's anything that you need me to re clarify. Yeah. All good. Yeah. Perfect. That's your super for the moment on what we're doing now. On the next page, it does show we are looking at a smaller projected outcome because you are planning to essentially retire in the next few months there. So with the current scenario, you could sort of see your super ending up in the next, technically, a bit over a month at around $320,004.35 between the two accounts with the recommended. If it is able to get that greater level of return, you could be in front by about 340. So, look, honestly, because it's only about a month away, there is a much smaller projected outcome that's expected from this, but it is showing that by saving money, creating better diversification, lowering your overall risk, and having a greater past performance could put you in a better position in the next cup in the next month or so as well. Okay? Yeah. So that's essentially what we wanna do for yourself now. Caroline, with your current super within Netwealth, you're due to retire in September 2026. So we went back and had it again. Just a really good look at what was happening. I'm not recommending we make any changes to your super or your portfolio at the moment. We had a really good look at how you invested. We had a look at all the underlying investments there. You do have a little bit more in cash. So if you go down to page number thirty four and thirty five, it shows how you're invested at the moment. You yeah. We've actually already kind of done a little bit of a swap. You don't have, Van Along in your portfolio at the moment. You've got some other investments in there. You're in more of a conservative, investment portfolio. And when we sort of talked about lowering the overall risk, at the moment, you're in a very defensive portfolio. So when I kind of look at the way you're invested, when we think about growth assets, so things like Australian shares, international shares, listed property, and commodities, you've got about 55.18% and the rest in defensive low risk investments like cash, bonds, and fixed interest, and you've got about 44.82% there. So you are pretty well defensively invested, very much in that balanced environment. So I didn't kind of wanna make too many changes to kind of affect your super balance because it is a bit lower than where Neil's is at the moment, and you're wanting to access that in a few months. Your cash is a little bit higher. You do have about 6.9% sitting in cash, so we do want to invest majority of that, only leaving 1.25%. But in the appendices, when you get a chance to have a look, I've attached that as an attachment to the email for you. I've actually got some alternatives considered. We did look at altering the portfolio a couple of different ways. Both of them came out showing CGT consequences for your fund of between $770 and $1,176 there. So we kinda wanted to limit the CGT consequences, But even putting you into a different portfolio, which was getting a better rate of return, when we looked at your contributions, the CGT consequences for making changes to your to your investments, It came out that you were gonna be worse off in the next couple of months there, so they weren't a huge difference. The first alternative we looked at only showed a difference of about a 147 in September. The other one was about a thousand and 85, But we don't really wanna be having a super going backwards. We wanna kinda keep it going forward for the moment. So I sort of landed on the best place for you right now is to keep it as is, not make any changes to your portfolio now, and have it continue to keep working harder for you. So in September, we can draw down as much as possible. Okay? Beautiful. For yourself on page 37, you've got a bit of a fee comparison table there as well and a projected outcome, and it sort of shows that you've also got it on page 38, but it shows in September, essentially, what we're kind of expecting for you is a balance of around about $124,004.65 as if market conditions continue to work the way they have, if you're able to get that sort of five year rolling average of 12.34% continuously. That's a yearly sort of rolling average. So we understand in smaller months, it's gonna be probably a little bit less there, but we've sort of also gone back and broken that down into a monthly amount. So if your super was able to work the way it has or whether the five year rolling average has on a monthly basis, you could still end up with about a $124,004.65 in September to draw down. Okay? Beautiful. That is stage one. Stage two is on page number 39 for you. Now stage two is to come into effect from the June 25. So, essentially, Neil, you may have mentioned June 25 is when you've told your employer you wanna retire. From that date, we'll just need to confirm exactly when the last contribution should be going into the account. Realistically, by then, we should have payday contributions. So once your final pay goes into your bank account, they should be able to make your final contribution into your super account. At that time, we wanna roll back the funds from your TCR pension into your super. So everything goes back into your accumulation account or back into one place. Your last contribution is made to the super fund, and then we're gonna roll a 100% for everything into a full account based pension account for you. The benefit to doing that is that when you're fully retired and you we move into an account based pension, you get full access to your super. It's completely tax free, but it also means that capital gains within the fund and income made within the fund are all completely tax free as well. So there's no tax in any way, shape, or form. So it means that your fund isn't paying income tax. There's no CDT tax in the fund, and any income you draw down is completely tax free for yourself as well. So it works on several levels, but it means you've got more money invested for you long term. Okay? Yeah. So once we move into that account based pension, what I'm gonna recommend is that you do draw down that 160,000. However, there's only about a week's difference between the June when you're gonna retire to the July 1, I'm gonna recommend that you hold off drawing that $1.60 until the 07/01/2026. And that is because once you roll into account based pension phase, you also have to every year draw down the minimum pension amount. So if we hold off that withdrawal until the July 1, you draw down a 160,000 out of super to cover all of your debts. It then means you don't have to draw down any more funds out of your super fund. Your you don't have to draw anything else as an income payment, which is a which is a positive thing. One of the things that we talked about a while ago was that once you're fully retired, you'll also get your long service leave, your annual leave, all those things paid out, and that should provide you with a better a bit of a buffer for income. But then Carolyn is also still working through to September as well. So when we sort of look at things, the you'll see the fee table there which shows, essentially, you have 24 accumulation, the pension account there, and then we roll all of that into the recommended, which is the pension account, and you draw down the one sixty. It does show that, essentially, what we'd expect you to have in that account at the end of that by the 07/01/2027 is about 167,000 there. Okay? So taking that money out does it does take quite a lot of your super, leaves you with a bit over 160 there this year with no contributions going in. We do expect growth out of the account, but it does mean the growth is gonna be a lot lower. So we just wanted to kinda show you the difference there. Okay? Beautiful. Once you've moved into pension, as I mentioned, there's no no income taxes, no capital gains tax on any investments. We'll keep you in the same portfolio that you're in at the moment because it is saving you quite a bit of money. By moving everything into that account based pension account, you also will only have one account now, not two. So we'll save you about $234 a year on administration fees and an extra $380 for the year on investment fees as well. So everything kinda goes down. Our ongoing service fee also drops because you've only got one account there as well. And, obviously, your contribution stopped. And then you've got your your income drawdown showing zero at the moment because we're doing that $160,000 drawdown, which is at the very top there. Okay? Beautiful. And once you've done that one sixty, you'll see the hub 24 pension that recommended the balance there. That is the balance expected after we've done the transfer into the pension account, but after the 160,000 has been drawn down. Does that make sense? Yeah. Do you have any questions? I wanted to give you time to ask questions, and you're welcome to tell me if there's something you want me to break down further for you. No? Fantastic. Fantastic. The next page gives you a projected outcome. So after the first year around about the 07/01/2027, so long as no additional funds are drawn out of the account there, you can sort of see we would expect you to have about a $167,005.66 in the account there. The current shows if you would essentially keep the accumulation and the pension account the way it is at the moment and didn't take that $1.60, you could end up with about 335,760. So it's showing you your current scenario versus the recommended, and the difference is the fees, obviously, plus the withdrawal amount there. Okay? Beautiful. All good. So that is essentially stage two. As of the June 25, we find out when your last contribution is. We can roll the funds. We wanna make sure that, obviously, you're you're getting your last pay, and we have that all the funds rolled back into accumulation, but we wanna make sure that you get your last pension payment out of that TTR account as well. So we'll make sure that the, sorry, the rollover is in line with your pays. That way, we we don't want you to end up with a pay less or anything. So Yep. Beautiful. Yep. Perfect. April. Lovely. I'll make a note to check hub to check the hub twenty four account, note that when your last pension payment is due out of there, and we can make sure it works in in in coincides with that for you. Okay? Beautiful. We then just need to make sure we know when your last contribution a payment goes into your account. We can roll everything back into accumulation. It doesn't take long to complete that, and then we'll organize that transfer back to pension phase on the July 1 and organize that withdrawal of a 160,000 out at the same time. It generally takes a couple of days to have that paid down, and we do the sell downs and the pension payment here. And then you'll have those funds so you can clear all your debts and be completely debt free. Okay? Yeah. Beautiful. As mentioned, I've not made any additional pension draw downs for this financial year because you'll have your annual leave, you'll have your long service leave, and Carolyn's still working there as well. And with not having a mortgage, that's one less payment to make for you guys as well. So we can definitely liaise. If you find you need extra money, we can make that work for you. It's not a problem. It's more just that trying to make sure your super works for you and works as long as possible because we are taking such a large lump sum out now. We wanna make sure that, you know, we it still works hard for you down the track, and we get as much longevity out of your super that we possibly can. Okay. Perfect. Excellent. As I'm going through, you'll see as you're going through the pages there, there are the best interest duty, which is essentially noting how I've aligned the recommendation to your goals. I'll let you guys go back and have a really good read of these sections as well. It's also noting advantages, disadvantages, and risks of the strategy and any additional alternatives that I've considered as part of the research for you as well. Okay? Beautiful. There's a lot there. Sorry. If you go down to page number 45 for me, this is essentially stage number three, and this is in September. So this is when Carolyn turns 50 and you get to retire. Beautiful. Perfect. So in the last conversation, we talked about how you also both wanted to buy that hybrid caravan. Weren't really sure on how much it was gonna cost, but the hybrid hybrid caravan is a goal so you can both just enjoy your retirement years and travel a little bit and go away. One of the things that you wanted to originally do was to draw down all of your super to be able pay off the mortgage, but that will all be covered with Neil's drawdown, so you won't have that expense. I have looked at drawing down all of it versus some of it. Drawing down if you've got about a 124,000 in there, drawing down half of it to cover caravan and give you some additional buffer money is good, but it doesn't leave enough in there to really have the growth working. Essentially, when you think of yeah. So when you sort of think about having money invested, if you have, say, 50,000 invested and you get a 5% return, that 5% return is much smaller on 50,000 than it would be on, say, 2 or $500,000. So having a smaller balance left in there, whilst it still does receive an interest it still does grow and still does receive, you know, the returns, it's still it's gonna be lower and it's gonna be slower growth. You're still paying fees for having the account open. And with no contributions there, you do risk the balance being eaten away. So what I am recommending and what I've looked at doing for you is just suggesting, Caroline, at 60, we do a full withdrawal. We draw all the money from your super down to your bank account for you. You can utilize the funds to purchase your caravan. And then, essentially, with what's left over, you can supplement and keep as a buffer so that you can cover that $600 per week income that you guys will be needing over the next twelve months. You essentially only need to keep about 31,200 aside available to cover that $600 per week, and that gives you both your regular income as per your goals. And then the rest of the money can essentially be used to put towards a caravan or a bit of buffer or a holiday or a new car or whatever it is that you decide you want at a time. Yeah. Yeah. The other reef yeah. That's exactly right. Yeah. That's exactly right. So it does work out better just to take it out. The other thing I looked at is because we are taking out such a large lump sum from Neil's Super at the moment, it does reduce your super down to an expected about a 160,000. And you're still only 61, 62 this year, so you still do have a lot of living to do and a long time in retirement there. An alternative strategy I have looked at is when we know how much you have left over, once you bought your caravan or once you've worked out how much you need for the caravan and we've maybe set aside some of that 31,200 income for you, We can also then look at what you have available and maybe do a one off contribution back into Neil's Super. We can always update the strategy, roll you back into Super, put some more money in, and then roll you back into pension and relook at the strategy then and see if gives you further longevity. I've discounted yeah. So I've discounted that now because we don't know how much you need for the caravan. It is best to kind of work out what your goals are, what you wanted to to happen with the funds first, and then see what you have left over. But it is definitely worthwhile, especially with the volatility. I mean, you can't kinda get away from the news at the moment, and we've seen the ups and downs in the market with what Trump's doing with what's happening. And every invest every investment portfolio has had those ups and downs. Even in a balanced environment, conservative environment, you still do see some ups and downs. It is limited by taking less risk in the market, but the ups and downs are still expected. So by having that 31,200 sitting in the bank account, it's giving you a bit of a buffer for twelve months so we don't have to then access Neil's super, and it's meaning that it can allow it to go through its ups and downs. We're not taking money out to cement losses at a downtime. We're just giving it twelve months to kind of recuperate and start to grow and see where it needs to go from there. And you have your first year's worth of income payments sitting nice and safely in your bank account where it's not gonna dwindle away. Okay? Yep. Beautiful. Does that make sense? Do you have any questions so far? You're welcome to ask me if you do. You absolutely can. Yeah. Definitely. So if it's if you get to 60 carol and you decide you don't wanna buy a caravan right now, you just wanna leave your super in the account, that's absolutely fine. We'll just leave it sitting in the account. We can also talk about even withdrawing it and putting it in with Neil's. There's lots of other strategies that we can talk about, lots of other research that we can do. But if you get to September and you go, hey. Look. I probably don't want this yet. Let's say you look at putting it all into Neil's or half into Neil's or, you know, what we need to maybe do, we can do that for you. Yeah. Absolutely. More money definitely makes more money. Absolutely. So we can look at doing that for you down the track. If we look at doing that, I will wanna look at, you know, what we need to do to make sure that you guys are then receiving income. So maybe putting it into Neil's Super and looking at income draw downs from that to see what that looks like for you. I would compare that with keeping it in your account and drawing income from your account and holding his. But I can do all that research down the track. There's no, yeah, there's no requirement for you to make the decision now. You can wait till September and we have another catch up and you go, hey. Well, maybe I don't want this. Maybe I, you know, do want this. Or if Neil decides he's a bit bored with being retired and wants to go back to work and, you know, doesn't need to draw down from his super, we can look at what strategies there are in place, and I can do all the additional research and update the strategy for you guys. Okay? Yeah. Yeah. Yeah. No. One or the other. Hey. Yeah. Yeah. Yeah. Yeah. Yeah. Mhmm. Yeah. Yeah. Yeah. Yeah. Understandable. It's definitely taken a bit of a hit over the past couple of months. That's for sure. Yeah. Yeah. Yeah. No. Add. Yeah. But now look have a look through the the advantages, disadvantages. Have a talk about what you wanna do. As I said, if you sign this and we start implementing the stages and you get to one, you go, hey. I don't wanna do that. It's completely fluid. We can stop the advice. I can go back to the drawing board. I can talk to you about what your new goals are. I can do additional research on the different options and come back with a different strategy and change the strategy. So all of this is fluid and liquid and can be changed every couple of weeks, every couple of months, every couple of days if you wanted to. So I just sort of sat down and worked out what your goals are now, what you both told me you wanted to achieve, and this is how we achieve that now. And then we can always change it down the track because, I mean, when we spoke in January and even a few weeks back, fuel wasn't as crazy. It has. It then kinda got really expensive and then really cheap, and then everything's still gotten really expensive, and there's still a lot of volatility out there. So there's a lot going on. Yeah. Yeah. But no yeah. Yep. Absolutely. Absolutely. What I probably would like to do with you both, if you're comfortable, you can sign and take on the advice now. And then what we'll do is, Neil, we'll do your switch in the account, and then I can book you in for a bit of a catch up, say, the week of the June 20. We can do a bit of a catch up that night and say, hey. What's happening? You know, you're due to retire. We can work out when your contribution is, make sure you're comfortable proceeding there. And then just before your sixtieth birthday, Caroline, we can always do another catch up then, and we can work out, you know, what you wanna do, how you wanna proceed, and we can update the advice as you need to. Okay? Yeah. Perfect. So you'll have a bit of reading through those couple strategies there. Because with this strategy, Neil, we're not looking to withdraw anything out of your super as of yet. I would wanna, at the moment, with the current strategy, hold off until the 07/01/2027, in which point we would start to then draw down that regular income of $600 per week. One thing I wanted to show you was if you go down to page number 50 for me, and this is why it might be important to maybe revisit the strategy in September there for you, Caroline, is that given the current balance with where we'd expect you to be at July 2027 given the projection amount, if you're then withdrawing $600 per week, which meets the minimum requirement, it does actually show that your super is only gonna realistically last about seven years. So if we can look at other ways to boost super, maybe put some more money back in after the withdrawal, There are it's definitely all the strategies I would like to make, but I wanted to show you we can meet your goal here. It does then reduce the longevity of your super. But then also in six years, you're eligible for Centrelink. So you would essentially be able to retire now and then use up most of your super and end up on Centrelink, but then it does only mean you've got Centrelink from there on out, which can Centrelink doesn't always cover everyone's living expenses. It's not meant as an income replacement, and it often often does leave people just on or just around the poverty line there. So it's not preferable. If, you know, after June, July, you tell me you're gonna go back to work, that's fine. I'll redo a strategy, and we'll work out what we do, you know, moving forward for you. So this is just what we do now to help you meet the goals that you that we've got, but this is also the the expected outcome based on that those recommendations. And I wanted to be honest with you, it does show that realistically about seven years in your super won't be there anymore, and we will have to rely solely on settling down the track. Okay? Oh, good. But you do have all those strategies in there for you to read over the advantages, the disadvantages, the risks involved, any alternatives I've looked at for you guys. And one thing I would like to do is because at this point with this recommendation and I would like you no matter what we do, but when we move you into an account based pension, if you go down to page number 58 for me, it's actually recommended that we set up a beneficiary a different way. So there are different types of beneficiary nominations that we can set up. You have a non lapsing oh, sorry. A nonbinding, which basically means that you file the nomination and the trustee decides what they what they're gonna do with the money. You have a binding nomination which binds the trustee. But then when you're in pension phase, you have what's called a reversionary. I am going to recommend, and I like this whenever there is a pension account, and I think it's really important for you guys moving forward even if we, you know, roll back or make changes to the strategy. For yourself, Neil, whenever you do have a pension account, we do set up a reversionary beneficiary. Because what this essentially means is that if you were to pass away and you were in pension phase, if Carolyn didn't have much super or if we end up moving all of her super, whether it paid to the bank account or whether it go into your account to sort of grow together, she won't have any kinda income coming out. And when you have a binding nomination form, if you were to pass away and she didn't have any super there, it essentially means that she has to go through a claims process to get the money, and the pension payments actually stop. By having this reversionary beneficiary, it would mean that if you're in pension and say $600 is coming out of that pension every week and going to your bank account and you then pass away, that $600 continues to be paid to Carolyn. It does not stop. And that essentially means that the pension continues, which does not give her any income payments, which can be really important at that sort of time frame as well. So I do wanna make sure that no matter what strategy we have, that we do always have access to and have applied a reversionary beneficiary to make sure that if anything did happen to you, haven't it been, I'd love it if nothing happens and you get through this retirement years and you enjoy yourself immensely. But if anything was to happen, that we are protecting Caroline and making sure that those income payments do continue. Yeah. Does that make sense? Yeah. It's just one thing that I do like about the pension stage. It's something that I try to make sure is implemented no matter what. I do think it's especially with the, you know, the cost of living and the way everything is. But even at that point in time when someone's passed away, there's often other expenses, family coming to town, you know, lots of food to buy, and there's lots of expenses going out everywhere. So continuing those pension payments does does become quite an important aspect, and it's something that not a lot of people know about what a reversionary beneficiary is, but it's one thing that I kind of wanted to make sure that you were aware about and that no matter what we do, we always provide this level of protection with Carolyn because all of these strategies seem to be where Carolyn's super either gets drawn out to buy a caravan to cover the income payments in the banking account or goes into your Super. No matter what we do with that money, it makes it so she no longer has any Super there. So making sure she is protected long term and is able to draw income no matter the scenario puts a protection in place for both of you, but also for Carol and down the track there as well. Does that make sense? Yeah. Perfect. Now there is a lot there, and I completely understand. I always try to go through it as easily as possible, but there is a lot to go through, especially on the phone. So I will let you guys go back now. Have a really good read of it page by page. Let me know if you do happen to have any questions there. If you decide you just wanna sign this and we start implementing it and we do catch ups down the track at all the stages, that's absolutely fine. If you decide right now there's something that you don't wanna go ahead with, that's absolutely fine. On the very last page, we've actually got a text box for you. So I believe it's down on page number 75. There should be a little text box there. If there's any section of the strategy that you don't wanna take on board, you just write in the text box that you don't wish to take on this section or this strategy. You wanna change something. You just write it in there. If you're happy just to take all the recommendations for now, we'll get you to sign and return it back. And I'll make sure that at June, Neil, we do a catch up. We talk about where you're at retirement wise, and then we can always do a catch up afterwards if you'd like to. And then Caroline, before you retire, we'll do a catch up there as well. So we get we give you those opportunities to change the strategy and make sure that we're evolving it as the year goes on because a lot can happen in a month, a lot can in six months. You just never know what what could happen. Yeah. Beautiful. Beautiful. But is it a bit of cash in hand work, or is it full employment wise? Or Yep. Yeah. Yeah. Makes sense. Yeah. Yeah. No. That's cool. That sounds really fun. Well, we'll definitely make sure that we catch up and, you know, alter the strategy after we start it. So the first thing I would really like to do is just have that investment switch completed for you. And then in June, we do the pension and the drawdown. And then from there, we can do catch ups as you need it. I don't mind if you wanna catch up every two or three weeks. You tell me what you need, and I will make sure it happens for you. And then we can talk about what changes we need to make, what, you know, your what changes you have in your goals, and I can do all the different research required to come up with a new plan every so often. So we just keep evolving the strategy so it works for you guys long term. Okay? Yeah. Yep. Yep. And that's absolutely fine. Yeah. No. Not a problem at all. The only thing I I would be cautious about is, like, retiring early is no problem at all. It's just if we draw that 160 down before the June, then in pension phase, you still have to draw down the in the minimum income payment, which means more money has to come out of the pension. If we roll you back to accumulation, you don't have to meet that requirement, but it all has to be done before the July 1. So that's why I sort of the way I worked it is to draw that money down around the July 1. That way, you've met that requirement. You don't have to take more out of the pension account, and then we can either keep you there or roll you back. It's completely fine. We've met that requirement for the government, and they're not gonna make you take too much more out of your super. Okay? Yeah. Beautiful. All good. Well, I will let you guys read it through. Let me know if there's any questions. I've got in there also how to implement, and it basically runs you through all the steps that I would complete step by step for implementation. Again, if we change the strategy, those steps will change as well. Both of you are on 1.1% now. It is a coupling fee, and it will stay like that completely. Essentially, the way it does work, though, if we do end up drawing all of Carol and Sleeper out, you know, next year, Neil, your fee will probably go back to 1.65% again because it's just the one of you, but I'll make sure it's working for you. And if I can go into bat and get 1.1, I will absolutely do that for you. So, yeah, I will always work for you. My job is to work invest in just for you guys. So I know this is a lot. I'm so sorry. I'll I'll let you guys have a bit of a read through it. Let me know if there's any questions at all. I'm so sorry, Caroline. The phone just cut out. Can you repeat that for me? I'm so sorry. Yep. Yeah. Abs yeah. Absolutely. Absolutely. Did you want me what I'll what I'll do is once you've read it through, if you have any questions, let me know. If you decide to sign it and return it back, I will get my lovely administration team member, Michelle. She'll give you a call, and she can find out when you want the next catch up to be. She'll book it in my calendar, and we'll make sure we catch up for that date, as we're going through so we can update the strategy for you. Does that work for you guys? Yeah. All good. All good. Beautiful. Beautiful. I'm sure this is not what you expected. Yeah. Yeah. Yeah. Yeah. And that's okay. We can do plenty of other research, and we'll come up with another strategy. It'd be absolutely fine. So yeah. Good. Yeah. Yeah. But it does there is light at the end of the tunnel for you both. You both get to, you know, sit back and enjoy life a little bit more down the track. There is light there. Yeah. All good. Well, I will let you go. Have a bit of a read through. Let me know if there's any questions, and just take some time to talk it over, and feel free to let me know if there's anything you need in the meantime. Okay? Yeah. Yeah. So it's on June. Around the June 20. So let's actually book something in now for you then, Neil. Just what we've got you because my calendar does book out quite quickly. So let's go. June 20 is a Sunday, and you're essentially the twenty fifth is a Thursday. Did you want me to make it the Monday the twenty second? Is that okay? Or did you want it the week before? Yep. Perfect. Alright. So and 04:00 your time is preferable? Yep. Beautiful. So I'll book that one in for you. Oh, that's I mean, how much sick leave do you have? Wow. Wow. No. They don't. I know. My mom's gonna retire soon, and I said to her, look. You need to use some of your sick leave up. Can you catch a cold here and there? And she's like, I probably could, actually. Nice. Never never wanna be happy about injuries, but in this instance, I think you should enjoy those injuries. Yeah. Oh, yeah. Oh, really? Yeah. Yeah. Yeah. Yeah. No. Oh, good. Well, I booked that one in for you there for the June 22 for a bit of a catch up in relation to the strategy. But like I said, if there's any questions, I can book you in again before that appointment. You don't have to wait till then. And if you just wanna start the strategy, I'll get you to sign and return it back, and then we can update things as we go. It's not a problem. Okay? Oh, my pleasure. Thank you so much for allowing me to put that together. I really enjoyed that research component, and I'm so sorry I had to reschedule the last appointment for you both. Oh, thank you so much. I hope you both have a lovely evening. All good. I'll talk to you both very soon. Thanks. See you later. 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Neil. It's Dana from Oakey Financial. How are you this afternoon? I'm very well. Thank you.\n\nI do apologize for rescheduling last time. I unfortunately had a migraine. It was extremely unwell, so I do apologize. Okay. Okay.\n\nAre you thinking you kind of wanna change the strategy? Or Yep. You have to reduce your hours to less than ten hours per week. Yeah. Mhmm.\n\nMhmm. Yeah. So the idea is that you need to be not gainfully employed or if you reduce your hours down to less than ten hours per week or if you do get a new role depending on what you're doing. Even if you get a new role, if you do work more than ten hours per week, it's not technically meeting the definition, but the idea is that you either retire or reduce your hours to under ten ten hours per week. Yeah.\n\nThat's okay. Yeah. It it there is a little bit more to that. One of the ways and what people have done in the past is they have had more than one job. So, say, they've worked two casual jobs and they've resigned from one of those casual jobs and been able to access it for that way.\n\nBut the alternative is essentially the general requirement is that you are requiring or working for less than ten hours per week after the age of 60. So it's kind of, you know, dropping hours as much as possible. The easiest way is to fully retire with no intention of returning back to work or if you keep your job as you are. At the moment, we can do that TTR sort of strategy there. But, yeah, just resigning one job and getting another one doesn't quite qualify, and it's a bit harder to do it that way.\n\nSo yeah. Yeah. Yeah. Yeah. Well, I'll go through this one with you.\n\nNow this one here is based on you guys, you fully retiring as of the June 25. Essentially, if anything happens and you decide to go back to work or anything changes after that point, you let me know. We can always change the strategy. This is ever evolving. But I'm gonna send this to you guys both now.\n\nIs Carolyn there with you as well? Yep. How are you, Carolyn? All good. That's good.\n\nI'm gonna send this document through to you so you can both review it with me, and we can run through the strategy of what I've set up for you now. And before we kinda go through that individually, I do have to do security with you. Can I get you each to confirm your date of birth and address for me? Yep. Beautiful.\n\nNo. Beautiful. Thank you so much for that. Now I've sent that document through to you there. Just let me know when it does happen to pop through.\n\nI've sent it through to each of you. So it doesn't really matter which one of you wants to pull it up, or if it's both of you, it's easier. Excellent. Excellent. So it is a joint statement of advice for both of you focusing on how we can access the funds in the best possible way to be able to pay down the debts.\n\nAnother goal you guys have is you want to buy a a hybrid caravan down the track there as well. Caroline, you're looking forward to retirement at the age of 60 in September. And, Neil, your retirement date was the June 25 this year so far. Okay? Excellent.\n\nOn the front of that document there, you will see it has been prepared for the both of you as of the 04/20/2026, prepared by myself and my lovely team here at OQ Financial, and my authorized representative number is 1304394. Okay? The next page outlines that the advice has been provided under best interest, so we make sure we understand your goals, what's happening with you guys, and what, you know, your objectives are, and we provide advice in line with meeting those goals and objectives. Advice is very fluid, so it can change. So if we get to, say, June and you tell me something's changing, we can just reupdate the advice and alter the strategy.\n\nThere's no problems there. This sort of gives you an idea of what we're recommending now to help you meet those goals and then, know, what we look forward to or how this this is projected down the track for you. Okay? Excellent. So on the pages number three, four, five, six, I think it's also page number nine there.\n\nI've essentially got in there where we're scoping of the advice. So we've scoped in superannuation to make sure we're meeting both of your goals then. We've also scoped in the estate planning side of things. So because we are looking to withdraw funds and setting up a bit of a pension for you, I've looked at the best way to structure your beneficiaries so that the funds are paid to Carolyn in the event of passing. Absolutely.\n\nYep. Yes. So the first if you does it have a button there that says sign or yep. Beautiful. So if you press that button and go forward to the next go forward, it should let you open and review that statement of advice there.\n\nYeah. Yeah. That's okay. Oh, have you? Oh, no.\n\nYeah. You're right. Now we're there. Beautiful. We're up to page number sorry.\n\nNumber three, four, five, and six. Yep. Beautiful. So the first couple of pages there are your scoping areas, the areas that we are providing advice on. In the first column you have, we have your goals noted down there.\n\nAnd because we have more than one conversation, I've noted what conversation, I've noted what your original goals were and then the changes to those goals as per our secondary conversation. It is quite long. I do apologize. And then you've also got the reasoning behind the scoping in and how it relates back to your goals there for you. We've also got a state planning in to your goals there for you.\n\nWe've also got estate planning in there for you and debt management. So you guys are wanting to draw that 160,000 down so that you can pay off all of your debts and be completely debt free. Caroline, when you turn 60, you still wanted to access your super there. You guys are still wanting to purchase a hybrid caravan, and I've looked at ways for you to utilize your super to offset as well. Okay?\n\nBeautiful. I've also included the retirement income needs. So because for all of the tentative purposes, Neil, you are planning to retire in June, I've also scoped in what happens and how we can utilize your super for you to draw an income on. If anything changes and you decide to go back to work after, you know, you started this retirement planning, we can just always change the strategy and move on to the next thing and update things. There is no issues in any way, shape, or form.\n\nI the strategy, as I said, is very fluid. We can change it at any point. We can update it. I can do an advice document every couple of months for you if you wanted to change your goals. So there is no issue with that at any point.\n\nYou just let me know how you're tracking. Okay? To the next page, no. Page number seven has a limited scope. So I've scoped in Social Security just to a limited scope there.\n\nSo because you are 61 at the moment, Neil, you can't access to the age of six sorry. You can't access Social Security or FenderLink until the age of 67. So we do wanna sort of make sure when you get to that point that you are able to access it. I've scoped it into only a limited basis, which means I'm looking at the long term effects of the recommendations that we've made and how they relate to Social Security and whether you might be eligible for it down the track based on your current circumstances. And as you get close to the age 67, we can keep reviewing these strategies.\n\nAnd when you're actually almost there, we can look at what level of Social Security is available, how to maximize that for you, and make sure it helps you to get longevity out of your sleep or down the track as well. Okay? Excellent. On the next page, page number eight, areas that we scoped out. So you guys don't have any insurances, personal insurances at the moment.\n\nWith your ages, it is very hard to obtain new cover. It is very expensive. Your focus is essentially on retirement, paying down your debts, and, you know, enjoying your super and those, you know, retirement years down the track. So we're not scoping in any recommendations around the insurance side of things. Okay?\n\nExcellent. To make this a bit easier, I will sort of go forward past a couple of pages. When you guys after the call, you're welcome to go back and have a really good rate of the document. Let me know if there's any changes that you do wanna make and sort of taking because this is quite long. I'll skip through quite a few sections and just sorta hit the points that I need to hit for you to make it easier, and then you'll definitely be able to go back and have a really good read a bit together.\n\nOkay? Excellent. So I've set it out in three different stages for you. Stage number one is what we're gonna do now. So, Neil, the first recommendation is based on yourself here, and I am recommending for now we do retain your current strategy.\n\nYou've got your TTR strategy. So you have your pension account and your super account in accumulation For the time being up until the 06/25/2026 when you officially retire, we are recommending that you retain that account for now. Retain everything as it is because it is working. You've got your contributions going into super, and you're drawing down a bit of income to offset what's being put into super. So if we were to look at changing that and stopping it now, you'd end up with a little bit less money at the end of the day.\n\nYep. No. That'll that will absolutely stop. So we're gonna continue that up until the 06/25/2026 when you officially retire. We're also going to so we're retaining your super and your pension account as they are for the moment, but we are doing an investment switch for you.\n\nSo I had a really good look at the way your super was and the investments that you do have in your super at the moment. And we know that if you go down to page 21 for me, this is essentially the changes we wanna make now to your super and your pension account. Okay? The first yep. You're alright.\n\nTell you're fine. You tell me to slow down. I'm so sorry. My computer might be going faster than you guys. So the first thing here is that with the Benelon Australian Equities and the Bank Hybrid there, the Benelon Australian Equities in your portfolio has been underperforming a little bit over the past sort of couple of months there.\n\nSo we wanna remove that investment and do a bit of a switch for yourself. So we are gonna sell down all the Benelon Australian equity. So you see the full balance there is being sold down to cash, and then you've also got the bank hybrids. Bank hybrids are more of a defensive investment for you, but they are being phased out in the future. So it is worth selling those down now, making it easier.\n\nThat way, we don't have to sell them down in the future when the time comes. We're selling down the the Benelon Australian equities. We're gonna move all that money into the BetaShares a 200, which is the one on the bottom there. So the BetaShares a two hundred is still giving you exposure to Australian equities. It's actually helping to provide more diversification to your portfolio because, Banda Long Australian equities holds anywhere between 20 to 30 different investments within it, whereas the BetaShares a 200 holds the top 200 companies on the ASX.\n\nSo you've actually got more exposure to Australian equities, creating more diversification for you, which is overall helping to reduce the risk of your portfolio. It's also more of a passively managed fund. So the way we see investment managers is there's an active manager, which means if that manager is buying and selling investments and trying to outperform against the market, and you tend to pay a bit more money to have that kind of an investment in your portfolio. Whereas a passive manager is just looking to track the market. So with the beta shares a 200, they're just tracking the top 200 companies on the ASX, and it's often cheaper to have more of a passively managed investment in your portfolio.\n\nSo it's giving you more diversification, still giving you exposure to Australian equities, helping to reduce the risk of your portfolio, but it's also a cheaper investment for you as well. Okay? Yeah. So we'll put that into your portfolio and get rid of the then along there. And then we're getting rid of the bank hybrids removing them because they are being phased out as an investment.\n\nAnd to keep that defensive component for you, we're gonna put the money into the iShares core compass bond. Essentially, these are both corporate and bank and government bonds. Bonds are really great as defensive investments because they pay income payments on a regular basis. Think of them sort of like a term deposit. You're putting some money into these bonds, and every month or two or three, they're giving you income payments or, you know, like, interest payments out of the the term deposit, essentially.\n\nAnd those income payments get paid back into your cash account and reinvested back into your portfolio for you, which helps with the compounding effect. So we had a really good look at everything, and we decided to make this small change now to your portfolio just to make sure things were working a bit harder for you for the time being, but also making sure we're getting rid of those investments that are underperforming for you. Okay? Yeah. On the next page, you'll see your cash account there.\n\nSo at the moment, Neil, you've got about 6.84% in cash. Within hub twenty four, you actually don't wanna have more cash than you need. Realistically, we're only supposed to hold about 1.25% cash there, so we do wanna invest that extra 3,000 into your portfolio as well. You end up when you have cash sitting in the cash account, you don't really get much in the way of a return from them, and you do tend to pay fees for having money sitting in cash. So you don't really wanna have a lot of money sitting in cash.\n\nYou wanna make sure it's all invested in your portfolio and working harder for you. Okay? Perfect. Now that is your super account. You will note the balance on that previous page is only about 50,007 85.\n\nI've noted both of your accounts separately because you've got your TTR pension account there. We're gonna make the same change within that TTR pension account, and that's on the next page for you so you can see the difference there. Okay? All good. Essentially, within the account there, we do know there is gonna be CGT consequences for doing so.\n\nWe had a really good look there. I do have it noted here for you. So sorry. It's just going back here. It doesn't have it down.\n\nOh. Alright. No. That's okay. So if you go down to page number 26 there for me now, this is a fee table, and this essentially shows you that by making those small changes to your portfolio and the way we made it by selling off Benelon and the bank hybrids and making that change, there's actually no capital gains consequences to your super.\n\nSo because Bennelong has been underperforming, and we're able to sell off the the Bank Hybrids, we're offsetting the losses made by Bennelong for the gains for selling off the Bank Hybrids, and your super fund will have no tax consequences. So no CDT tax for making that change, which is a benefit to you. Okay? On the second sorry. It'll be the third line down there, the investment fee line.\n\nThe first column shows your current investment fees that you're paying between the two accounts. And then after we make that switch, you'll see there's a difference. The difference is $326. So by selling off that along, removing the bank hybrids, and moving the funds into the core composite bonds and the a 200, you can actually save for the year $326 on investment fees. So you're actually there's no tax consequences in making the change, and we're reducing the investment fees that come out of your portfolio as well, which is a benefit.\n\nLess fees, more diversification, no tax consequences, and we're removing those underperforming investments. So yeah. Works well. There's no real other change to any of this. I do know if you have a look at the bottom there.\n\nThe five year rolling average by making this sort of switch, the and putting the a 200 instead of Van Along, the five year rolling average shows that the portfolio has actually performed better over the past five years. So moving forward, if the portfolio is worth the same as they have with the market conditions they've had, then you can sort of see that you could end up with about a 9.67% return on a yearly basis from this sort of portfolio as well as saving money, whereas the older portfolios only really averaged about 8.41%. So, you know, you've got the benefit there of this updated portfolio by making these small changes can have a greater effect long term long term on your super as well. Okay? Beautiful.\n\nIt is a lot to go through, but do you have any questions for me at the moment? Please let me know if there's anything that you need me to re clarify. Yeah. All good. Yeah.\n\nPerfect. That's your super for the moment on what we're doing now. On the next page, it does show we are looking at a smaller projected outcome because you are planning to essentially retire in the next few months there. So with the current scenario, you could sort of see your super ending up in the next, technically, a bit over a month at around $320,004.35 between the two accounts with the recommended. If it is able to get that greater level of return, you could be in front by about 340.\n\nSo, look, honestly, because it's only about a month away, there is a much smaller projected outcome that's expected from this, but it is showing that by saving money, creating better diversification, lowering your overall risk, and having a greater past performance could put you in a better position in the next cup in the next month or so as well. Okay? Yeah. So that's essentially what we wanna do for yourself now. Caroline, with your current super within Netwealth, you're due to retire in September 2026.\n\nSo we went back and had it again. Just a really good look at what was happening. I'm not recommending we make any changes to your super or your portfolio at the moment. We had a really good look at how you invested. We had a look at all the underlying investments there.\n\nYou do have a little bit more in cash. So if you go down to page number thirty four and thirty five, it shows how you're invested at the moment. You yeah. We've actually already kind of done a little bit of a swap. You don't have, Van Along in your portfolio at the moment.\n\nYou've got some other investments in there. You're in more of a conservative, investment portfolio. And when we sort of talked about lowering the overall risk, at the moment, you're in a very defensive portfolio. So when I kind of look at the way you're invested, when we think about growth assets, so things like Australian shares, international shares, listed property, and commodities, you've got about 55.18% and the rest in defensive low risk investments like cash, bonds, and fixed interest, and you've got about 44.82% there. So you are pretty well defensively invested, very much in that balanced environment.\n\nSo I didn't kind of wanna make too many changes to kind of affect your super balance because it is a bit lower than where Neil's is at the moment, and you're wanting to access that in a few months. Your cash is a little bit higher. You do have about 6.9% sitting in cash, so we do want to invest majority of that, only leaving 1.25%. But in the appendices, when you get a chance to have a look, I've attached that as an attachment to the email for you. I've actually got some alternatives considered.\n\nWe did look at altering the portfolio a couple of different ways. Both of them came out showing CGT consequences for your fund of between $770 and $1,176 there. So we kinda wanted to limit the CGT consequences, But even putting you into a different portfolio, which was getting a better rate of return, when we looked at your contributions, the CGT consequences for making changes to your to your investments, It came out that you were gonna be worse off in the next couple of months there, so they weren't a huge difference. The first alternative we looked at only showed a difference of about a 147 in September. The other one was about a thousand and 85, But we don't really wanna be having a super going backwards.\n\nWe wanna kinda keep it going forward for the moment. So I sort of landed on the best place for you right now is to keep it as is, not make any changes to your portfolio now, and have it continue to keep working harder for you. So in September, we can draw down as much as possible. Okay? Beautiful.\n\nFor yourself on page 37, you've got a bit of a fee comparison table there as well and a projected outcome, and it sort of shows that you've also got it on page 38, but it shows in September, essentially, what we're kind of expecting for you is a balance of around about $124,004.65 as if market conditions continue to work the way they have, if you're able to get that sort of five year rolling average of 12.34% continuously. That's a yearly sort of rolling average. So we understand in smaller months, it's gonna be probably a little bit less there, but we've sort of also gone back and broken that down into a monthly amount. So if your super was able to work the way it has or whether the five year rolling average has on a monthly basis, you could still end up with about a $124,004.65 in September to draw down. Okay?\n\nBeautiful. That is stage one. Stage two is on page number 39 for you. Now stage two is to come into effect from the June 25. So, essentially, Neil, you may have mentioned June 25 is when you've told your employer you wanna retire.\n\nFrom that date, we'll just need to confirm exactly when the last contribution should be going into the account. Realistically, by then, we should have payday contributions. So once your final pay goes into your bank account, they should be able to make your final contribution into your super account. At that time, we wanna roll back the funds from your TCR pension into your super. So everything goes back into your accumulation account or back into one place.\n\nYour last contribution is made to the super fund, and then we're gonna roll a 100% for everything into a full account based pension account for you. The benefit to doing that is that when you're fully retired and you we move into an account based pension, you get full access to your super. It's completely tax free, but it also means that capital gains within the fund and income made within the fund are all completely tax free as well. So there's no tax in any way, shape, or form. So it means that your fund isn't paying income tax.\n\nThere's no CDT tax in the fund, and any income you draw down is completely tax free for yourself as well. So it works on several levels, but it means you've got more money invested for you long term. Okay? Yeah. So once we move into that account based pension, what I'm gonna recommend is that you do draw down that 160,000.\n\nHowever, there's only about a week's difference between the June when you're gonna retire to the July 1, I'm gonna recommend that you hold off drawing that $1.60 until the 07/01/2026. And that is because once you roll into account based pension phase, you also have to every year draw down the minimum pension amount. So if we hold off that withdrawal until the July 1, you draw down a 160,000 out of super to cover all of your debts. It then means you don't have to draw down any more funds out of your super fund. Your you don't have to draw anything else as an income payment, which is a which is a positive thing.\n\nOne of the things that we talked about a while ago was that once you're fully retired, you'll also get your long service leave, your annual leave, all those things paid out, and that should provide you with a better a bit of a buffer for income. But then Carolyn is also still working through to September as well. So when we sort of look at things, the you'll see the fee table there which shows, essentially, you have 24 accumulation, the pension account there, and then we roll all of that into the recommended, which is the pension account, and you draw down the one sixty. It does show that, essentially, what we'd expect you to have in that account at the end of that by the 07/01/2027 is about 167,000 there. Okay?\n\nSo taking that money out does it does take quite a lot of your super, leaves you with a bit over 160 there this year with no contributions going in. We do expect growth out of the account, but it does mean the growth is gonna be a lot lower. So we just wanted to kinda show you the difference there. Okay? Beautiful.\n\nOnce you've moved into pension, as I mentioned, there's no no income taxes, no capital gains tax on any investments. We'll keep you in the same portfolio that you're in at the moment because it is saving you quite a bit of money. By moving everything into that account based pension account, you also will only have one account now, not two. So we'll save you about $234 a year on administration fees and an extra $380 for the year on investment fees as well. So everything kinda goes down.\n\nOur ongoing service fee also drops because you've only got one account there as well. And, obviously, your contribution stopped. And then you've got your your income drawdown showing zero at the moment because we're doing that $160,000 drawdown, which is at the very top there. Okay? Beautiful.\n\nAnd once you've done that one sixty, you'll see the hub 24 pension that recommended the balance there. That is the balance expected after we've done the transfer into the pension account, but after the 160,000 has been drawn down. Does that make sense? Yeah. Do you have any questions?\n\nI wanted to give you time to ask questions, and you're welcome to tell me if there's something you want me to break down further for you. No? Fantastic. Fantastic. The next page gives you a projected outcome.\n\nSo after the first year around about the 07/01/2027, so long as no additional funds are drawn out of the account there, you can sort of see we would expect you to have about a $167,005.66 in the account there. The current shows if you would essentially keep the accumulation and the pension account the way it is at the moment and didn't take that $1.60, you could end up with about 335,760. So it's showing you your current scenario versus the recommended, and the difference is the fees, obviously, plus the withdrawal amount there. Okay? Beautiful.\n\nAll good. So that is essentially stage two. As of the June 25, we find out when your last contribution is. We can roll the funds. We wanna make sure that, obviously, you're you're getting your last pay, and we have that all the funds rolled back into accumulation, but we wanna make sure that you get your last pension payment out of that TTR account as well.\n\nSo we'll make sure that the, sorry, the rollover is in line with your pays. That way, we we don't want you to end up with a pay less or anything. So Yep. Beautiful. Yep.\n\nPerfect. April. Lovely. I'll make a note to check hub to check the hub twenty four account, note that when your last pension payment is due out of there, and we can make sure it works in in in coincides with that for you. Okay?\n\nBeautiful. We then just need to make sure we know when your last contribution a payment goes into your account. We can roll everything back into accumulation. It doesn't take long to complete that, and then we'll organize that transfer back to pension phase on the July 1 and organize that withdrawal of a 160,000 out at the same time. It generally takes a couple of days to have that paid down, and we do the sell downs and the pension payment here.\n\nAnd then you'll have those funds so you can clear all your debts and be completely debt free. Okay? Yeah. Beautiful. As mentioned, I've not made any additional pension draw downs for this financial year because you'll have your annual leave, you'll have your long service leave, and Carolyn's still working there as well.\n\nAnd with not having a mortgage, that's one less payment to make for you guys as well. So we can definitely liaise. If you find you need extra money, we can make that work for you. It's not a problem. It's more just that trying to make sure your super works for you and works as long as possible because we are taking such a large lump sum out now.\n\nWe wanna make sure that, you know, we it still works hard for you down the track, and we get as much longevity out of your super that we possibly can. Okay. Perfect. Excellent. As I'm going through, you'll see as you're going through the pages there, there are the best interest duty, which is essentially noting how I've aligned the recommendation to your goals.\n\nI'll let you guys go back and have a really good read of these sections as well. It's also noting advantages, disadvantages, and risks of the strategy and any additional alternatives that I've considered as part of the research for you as well. Okay? Beautiful. There's a lot there.\n\nSorry. If you go down to page number 45 for me, this is essentially stage number three, and this is in September. So this is when Carolyn turns 50 and you get to retire. Beautiful. Perfect.\n\nSo in the last conversation, we talked about how you also both wanted to buy that hybrid caravan. Weren't really sure on how much it was gonna cost, but the hybrid hybrid caravan is a goal so you can both just enjoy your retirement years and travel a little bit and go away. One of the things that you wanted to originally do was to draw down all of your super to be able pay off the mortgage, but that will all be covered with Neil's drawdown, so you won't have that expense. I have looked at drawing down all of it versus some of it. Drawing down if you've got about a 124,000 in there, drawing down half of it to cover caravan and give you some additional buffer money is good, but it doesn't leave enough in there to really have the growth working.\n\nEssentially, when you think of yeah. So when you sort of think about having money invested, if you have, say, 50,000 invested and you get a 5% return, that 5% return is much smaller on 50,000 than it would be on, say, 2 or $500,000. So having a smaller balance left in there, whilst it still does receive an interest it still does grow and still does receive, you know, the returns, it's still it's gonna be lower and it's gonna be slower growth. You're still paying fees for having the account open. And with no contributions there, you do risk the balance being eaten away.\n\nSo what I am recommending and what I've looked at doing for you is just suggesting, Caroline, at 60, we do a full withdrawal. We draw all the money from your super down to your bank account for you. You can utilize the funds to purchase your caravan. And then, essentially, with what's left over, you can supplement and keep as a buffer so that you can cover that $600 per week income that you guys will be needing over the next twelve months. You essentially only need to keep about 31,200 aside available to cover that $600 per week, and that gives you both your regular income as per your goals.\n\nAnd then the rest of the money can essentially be used to put towards a caravan or a bit of buffer or a holiday or a new car or whatever it is that you decide you want at a time. Yeah. Yeah. The other reef yeah. That's exactly right.\n\nYeah. That's exactly right. So it does work out better just to take it out. The other thing I looked at is because we are taking out such a large lump sum from Neil's Super at the moment, it does reduce your super down to an expected about a 160,000. And you're still only 61, 62 this year, so you still do have a lot of living to do and a long time in retirement there.\n\nAn alternative strategy I have looked at is when we know how much you have left over, once you bought your caravan or once you've worked out how much you need for the caravan and we've maybe set aside some of that 31,200 income for you, We can also then look at what you have available and maybe do a one off contribution back into Neil's Super. We can always update the strategy, roll you back into Super, put some more money in, and then roll you back into pension and relook at the strategy then and see if gives you further longevity. I've discounted yeah. So I've discounted that now because we don't know how much you need for the caravan. It is best to kind of work out what your goals are, what you wanted to to happen with the funds first, and then see what you have left over.\n\nBut it is definitely worthwhile, especially with the volatility. I mean, you can't kinda get away from the news at the moment, and we've seen the ups and downs in the market with what Trump's doing with what's happening. And every invest every investment portfolio has had those ups and downs. Even in a balanced environment, conservative environment, you still do see some ups and downs. It is limited by taking less risk in the market, but the ups and downs are still expected.\n\nSo by having that 31,200 sitting in the bank account, it's giving you a bit of a buffer for twelve months so we don't have to then access Neil's super, and it's meaning that it can allow it to go through its ups and downs. We're not taking money out to cement losses at a downtime. We're just giving it twelve months to kind of recuperate and start to grow and see where it needs to go from there. And you have your first year's worth of income payments sitting nice and safely in your bank account where it's not gonna dwindle away. Okay?\n\nYep. Beautiful. Does that make sense? Do you have any questions so far? You're welcome to ask me if you do.\n\nYou absolutely can. Yeah. Definitely. So if it's if you get to 60 carol and you decide you don't wanna buy a caravan right now, you just wanna leave your super in the account, that's absolutely fine. We'll just leave it sitting in the account.\n\nWe can also talk about even withdrawing it and putting it in with Neil's. There's lots of other strategies that we can talk about, lots of other research that we can do. But if you get to September and you go, hey. Look. I probably don't want this yet.\n\nLet's say you look at putting it all into Neil's or half into Neil's or, you know, what we need to maybe do, we can do that for you. Yeah. Absolutely. More money definitely makes more money. Absolutely.\n\nSo we can look at doing that for you down the track. If we look at doing that, I will wanna look at, you know, what we need to do to make sure that you guys are then receiving income. So maybe putting it into Neil's Super and looking at income draw downs from that to see what that looks like for you. I would compare that with keeping it in your account and drawing income from your account and holding his. But I can do all that research down the track.\n\nThere's no, yeah, there's no requirement for you to make the decision now. You can wait till September and we have another catch up and you go, hey. Well, maybe I don't want this. Maybe I, you know, do want this. Or if Neil decides he's a bit bored with being retired and wants to go back to work and, you know, doesn't need to draw down from his super, we can look at what strategies there are in place, and I can do all the additional research and update the strategy for you guys.\n\nOkay? Yeah. Yeah. Yeah. No.\n\nOne or the other. Hey. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Mhmm. Yeah. Yeah.\n\nYeah. Yeah. Understandable. It's definitely taken a bit of a hit over the past couple of months. That's for sure.\n\nYeah. Yeah. Yeah. No. Add.\n\nYeah. But now look have a look through the the advantages, disadvantages. Have a talk about what you wanna do. As I said, if you sign this and we start implementing the stages and you get to one, you go, hey. I don't wanna do that.\n\nIt's completely fluid. We can stop the advice. I can go back to the drawing board. I can talk to you about what your new goals are. I can do additional research on the different options and come back with a different strategy and change the strategy.\n\nSo all of this is fluid and liquid and can be changed every couple of weeks, every couple of months, every couple of days if you wanted to. So I just sort of sat down and worked out what your goals are now, what you both told me you wanted to achieve, and this is how we achieve that now. And then we can always change it down the track because, I mean, when we spoke in January and even a few weeks back, fuel wasn't as crazy. It has. It then kinda got really expensive and then really cheap, and then everything's still gotten really expensive, and there's still a lot of volatility out there.\n\nSo there's a lot going on. Yeah. Yeah. But no yeah. Yep.\n\nAbsolutely. Absolutely. What I probably would like to do with you both, if you're comfortable, you can sign and take on the advice now. And then what we'll do is, Neil, we'll do your switch in the account, and then I can book you in for a bit of a catch up, say, the week of the June 20. We can do a bit of a catch up that night and say, hey.\n\nWhat's happening? You know, you're due to retire. We can work out when your contribution is, make sure you're comfortable proceeding there. And then just before your sixtieth birthday, Caroline, we can always do another catch up then, and we can work out, you know, what you wanna do, how you wanna proceed, and we can update the advice as you need to. Okay?\n\nYeah. Perfect. So you'll have a bit of reading through those couple strategies there. Because with this strategy, Neil, we're not looking to withdraw anything out of your super as of yet. I would wanna, at the moment, with the current strategy, hold off until the 07/01/2027, in which point we would start to then draw down that regular income of $600 per week.\n\nOne thing I wanted to show you was if you go down to page number 50 for me, and this is why it might be important to maybe revisit the strategy in September there for you, Caroline, is that given the current balance with where we'd expect you to be at July 2027 given the projection amount, if you're then withdrawing $600 per week, which meets the minimum requirement, it does actually show that your super is only gonna realistically last about seven years. So if we can look at other ways to boost super, maybe put some more money back in after the withdrawal, There are it's definitely all the strategies I would like to make, but I wanted to show you we can meet your goal here. It does then reduce the longevity of your super. But then also in six years, you're eligible for Centrelink. So you would essentially be able to retire now and then use up most of your super and end up on Centrelink, but then it does only mean you've got Centrelink from there on out, which can Centrelink doesn't always cover everyone's living expenses.\n\nIt's not meant as an income replacement, and it often often does leave people just on or just around the poverty line there. So it's not preferable. If, you know, after June, July, you tell me you're gonna go back to work, that's fine. I'll redo a strategy, and we'll work out what we do, you know, moving forward for you. So this is just what we do now to help you meet the goals that you that we've got, but this is also the the expected outcome based on that those recommendations.\n\nAnd I wanted to be honest with you, it does show that realistically about seven years in your super won't be there anymore, and we will have to rely solely on settling down the track. Okay? Oh, good. But you do have all those strategies in there for you to read over the advantages, the disadvantages, the risks involved, any alternatives I've looked at for you guys. And one thing I would like to do is because at this point with this recommendation and I would like you no matter what we do, but when we move you into an account based pension, if you go down to page number 58 for me, it's actually recommended that we set up a beneficiary a different way.\n\nSo there are different types of beneficiary nominations that we can set up. You have a non lapsing oh, sorry. A nonbinding, which basically means that you file the nomination and the trustee decides what they what they're gonna do with the money. You have a binding nomination which binds the trustee. But then when you're in pension phase, you have what's called a reversionary.\n\nI am going to recommend, and I like this whenever there is a pension account, and I think it's really important for you guys moving forward even if we, you know, roll back or make changes to the strategy. For yourself, Neil, whenever you do have a pension account, we do set up a reversionary beneficiary. Because what this essentially means is that if you were to pass away and you were in pension phase, if Carolyn didn't have much super or if we end up moving all of her super, whether it paid to the bank account or whether it go into your account to sort of grow together, she won't have any kinda income coming out. And when you have a binding nomination form, if you were to pass away and she didn't have any super there, it essentially means that she has to go through a claims process to get the money, and the pension payments actually stop. By having this reversionary beneficiary, it would mean that if you're in pension and say $600 is coming out of that pension every week and going to your bank account and you then pass away, that $600 continues to be paid to Carolyn.\n\nIt does not stop. And that essentially means that the pension continues, which does not give her any income payments, which can be really important at that sort of time frame as well. So I do wanna make sure that no matter what strategy we have, that we do always have access to and have applied a reversionary beneficiary to make sure that if anything did happen to you, haven't it been, I'd love it if nothing happens and you get through this retirement years and you enjoy yourself immensely. But if anything was to happen, that we are protecting Caroline and making sure that those income payments do continue. Yeah.\n\nDoes that make sense? Yeah. It's just one thing that I do like about the pension stage. It's something that I try to make sure is implemented no matter what. I do think it's especially with the, you know, the cost of living and the way everything is.\n\nBut even at that point in time when someone's passed away, there's often other expenses, family coming to town, you know, lots of food to buy, and there's lots of expenses going out everywhere. So continuing those pension payments does does become quite an important aspect, and it's something that not a lot of people know about what a reversionary beneficiary is, but it's one thing that I kind of wanted to make sure that you were aware about and that no matter what we do, we always provide this level of protection with Carolyn because all of these strategies seem to be where Carolyn's super either gets drawn out to buy a caravan to cover the income payments in the banking account or goes into your Super. No matter what we do with that money, it makes it so she no longer has any Super there. So making sure she is protected long term and is able to draw income no matter the scenario puts a protection in place for both of you, but also for Carol and down the track there as well. Does that make sense?\n\nYeah. Perfect. Now there is a lot there, and I completely understand. I always try to go through it as easily as possible, but there is a lot to go through, especially on the phone. So I will let you guys go back now.\n\nHave a really good read of it page by page. Let me know if you do happen to have any questions there. If you decide you just wanna sign this and we start implementing it and we do catch ups down the track at all the stages, that's absolutely fine. If you decide right now there's something that you don't wanna go ahead with, that's absolutely fine. On the very last page, we've actually got a text box for you.\n\nSo I believe it's down on page number 75. There should be a little text box there. If there's any section of the strategy that you don't wanna take on board, you just write in the text box that you don't wish to take on this section or this strategy. You wanna change something. You just write it in there.\n\nIf you're happy just to take all the recommendations for now, we'll get you to sign and return it back. And I'll make sure that at June, Neil, we do a catch up. We talk about where you're at retirement wise, and then we can always do a catch up afterwards if you'd like to. And then Caroline, before you retire, we'll do a catch up there as well. So we get we give you those opportunities to change the strategy and make sure that we're evolving it as the year goes on because a lot can happen in a month, a lot can in six months.\n\nYou just never know what what could happen. Yeah. Beautiful. Beautiful. But is it a bit of cash in hand work, or is it full employment wise?\n\nOr Yep. Yeah. Yeah. Makes sense. Yeah.\n\nYeah. No. That's cool. That sounds really fun. Well, we'll definitely make sure that we catch up and, you know, alter the strategy after we start it.\n\nSo the first thing I would really like to do is just have that investment switch completed for you. And then in June, we do the pension and the drawdown. And then from there, we can do catch ups as you need it. I don't mind if you wanna catch up every two or three weeks. You tell me what you need, and I will make sure it happens for you.\n\nAnd then we can talk about what changes we need to make, what, you know, your what changes you have in your goals, and I can do all the different research required to come up with a new plan every so often. So we just keep evolving the strategy so it works for you guys long term. Okay? Yeah. Yep.\n\nYep. And that's absolutely fine. Yeah. No. Not a problem at all.\n\nThe only thing I I would be cautious about is, like, retiring early is no problem at all. It's just if we draw that 160 down before the June, then in pension phase, you still have to draw down the in the minimum income payment, which means more money has to come out of the pension. If we roll you back to accumulation, you don't have to meet that requirement, but it all has to be done before the July 1. So that's why I sort of the way I worked it is to draw that money down around the July 1. That way, you've met that requirement.\n\nYou don't have to take more out of the pension account, and then we can either keep you there or roll you back. It's completely fine. We've met that requirement for the government, and they're not gonna make you take too much more out of your super. Okay? Yeah.\n\nBeautiful. All good. Well, I will let you guys read it through. Let me know if there's any questions. I've got in there also how to implement, and it basically runs you through all the steps that I would complete step by step for implementation.\n\nAgain, if we change the strategy, those steps will change as well. Both of you are on 1.1% now. It is a coupling fee, and it will stay like that completely. Essentially, the way it does work, though, if we do end up drawing all of Carol and Sleeper out, you know, next year, Neil, your fee will probably go back to 1.65% again because it's just the one of you, but I'll make sure it's working for you. And if I can go into bat and get 1.1, I will absolutely do that for you.\n\nSo, yeah, I will always work for you. My job is to work invest in just for you guys. So I know this is a lot. I'm so sorry. I'll I'll let you guys have a bit of a read through it.\n\nLet me know if there's any questions at all. I'm so sorry, Caroline. The phone just cut out. Can you repeat that for me? I'm so sorry.\n\nYep. Yeah. Abs yeah. Absolutely. Absolutely.\n\nDid you want me what I'll what I'll do is once you've read it through, if you have any questions, let me know. If you decide to sign it and return it back, I will get my lovely administration team member, Michelle. She'll give you a call, and she can find out when you want the next catch up to be. She'll book it in my calendar, and we'll make sure we catch up for that date, as we're going through so we can update the strategy for you. Does that work for you guys?\n\nYeah. All good. All good. Beautiful. Beautiful.\n\nI'm sure this is not what you expected. Yeah. Yeah. Yeah. Yeah.\n\nAnd that's okay. We can do plenty of other research, and we'll come up with another strategy. It'd be absolutely fine. So yeah. Good.\n\nYeah. Yeah. But it does there is light at the end of the tunnel for you both. You both get to, you know, sit back and enjoy life a little bit more down the track. There is light there.\n\nYeah. All good. Well, I will let you go. Have a bit of a read through. Let me know if there's any questions, and just take some time to talk it over, and feel free to let me know if there's anything you need in the meantime.\n\nOkay? Yeah. Yeah. So it's on June. Around the June 20.\n\nSo let's actually book something in now for you then, Neil. Just what we've got you because my calendar does book out quite quickly. So let's go. June 20 is a Sunday, and you're essentially the twenty fifth is a Thursday. Did you want me to make it the Monday the twenty second?\n\nIs that okay? Or did you want it the week before? Yep. Perfect. Alright.\n\nSo and 04:00 your time is preferable? Yep. Beautiful. So I'll book that one in for you. Oh, that's I mean, how much sick leave do you have?\n\nWow. Wow. No. They don't. I know.\n\nMy mom's gonna retire soon, and I said to her, look. You need to use some of your sick leave up. Can you catch a cold here and there? And she's like, I probably could, actually. Nice.\n\nNever never wanna be happy about injuries, but in this instance, I think you should enjoy those injuries. Yeah. Oh, yeah. Oh, really? Yeah.\n\nYeah. Yeah. Yeah. No. Oh, good.\n\nWell, I booked that one in for you there for the June 22 for a bit of a catch up in relation to the strategy. But like I said, if there's any questions, I can book you in again before that appointment. You don't have to wait till then. And if you just wanna start the strategy, I'll get you to sign and return it back, and then we can update things as we go. It's not a problem.\n\nOkay? Oh, my pleasure. Thank you so much for allowing me to put that together. I really enjoyed that research component, and I'm so sorry I had to reschedule the last appointment for you both. Oh, thank you so much.\n\nI hope you both have a lovely evening. All good. I'll talk to you both very soon. Thanks. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Neil.","start":1.28,"end":1.8399999,"sentiment":"neutral","sentiment_score":0.14216317236423492},{"text":"It's Dana from Oakey Financial.","start":1.8399999,"end":3.54,"sentiment":"neutral","sentiment_score":0.19650640189647675},{"text":"How are you this afternoon?","start":3.6,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.29717772006988524},{"text":"I'm very well.","start":7.52,"end":8.4,"sentiment":"positive","sentiment_score":0.535545806090037},{"text":"Thank you.","start":8.4,"end":8.8,"sentiment":"positive","sentiment_score":0.5727440416812897}],"sentiment":"neutral","sentiment_score":0.3238160268348806,"num_words":17,"start":1.28,"end":8.8},{"sentences":[{"text":"I do apologize for rescheduling last time.","start":8.8,"end":11.04,"sentiment":"neutral","sentiment_score":-0.11482082094464983},{"text":"I unfortunately had a migraine.","start":11.04,"end":12.48,"sentiment":"negative","sentiment_score":-0.3666207313537598},{"text":"It was extremely unwell, so I do apologize.","start":12.48,"end":14.66,"sentiment":"negative","sentiment_score":-0.46748314052820206},{"text":"Okay.","start":20.765,"end":21.265,"sentiment":"neutral","sentiment_score":-0.00518699549138546},{"text":"Okay.","start":21.404999,"end":21.904999,"sentiment":"neutral","sentiment_score":0.007089629769325256}],"sentiment":"neutral","sentiment_score":-0.28976417696950113,"num_words":22,"start":8.8,"end":21.904999},{"sentences":[{"text":"Are you thinking you kind of wanna change the strategy?","start":21.965,"end":24.865,"sentiment":"neutral","sentiment_score":-0.00988357439637184},{"text":"Or Yep.","start":25.085,"end":28.56,"sentiment":"neutral","sentiment_score":0.0026230488438159236},{"text":"You have to reduce your hours to less than ten hours per week.","start":37.42,"end":41.02,"sentiment":"neutral","sentiment_score":-0.03971991430108364},{"text":"Yeah.","start":41.02,"end":41.52,"sentiment":"neutral","sentiment_score":0.016352815553545952},{"text":"Mhmm.","start":49.155003,"end":49.655003,"sentiment":"neutral","sentiment_score":0.02523769624531269}],"sentiment":"neutral","sentiment_score":-0.021050297051530192,"num_words":27,"start":21.965,"end":49.655003},{"sentences":[{"text":"Mhmm.","start":51.475002,"end":51.975002,"sentiment":"neutral","sentiment_score":0.08552801609039307},{"text":"Yeah.","start":54.300003,"end":54.800003,"sentiment":"neutral","sentiment_score":0.027799095958471295},{"text":"So the idea is that you need to be not gainfully employed or if you reduce your hours down to less than ten hours per week or if you do get a new role depending on what you're doing.","start":54.86,"end":65.520004,"sentiment":"neutral","sentiment_score":0.004733119159936905},{"text":"Even if you get a new role, if you do work more than ten hours per week, it's not technically meeting the definition, but the idea is that you either retire or reduce your hours to under ten ten hours per week.","start":65.74,"end":78.524994,"sentiment":"neutral","sentiment_score":-0.03412005509294215},{"text":"Yeah.","start":80.66499,"end":81.16499,"sentiment":"neutral","sentiment_score":0.011428805068135262}],"sentiment":"neutral","sentiment_score":-0.013377318447012277,"num_words":84,"start":51.475002,"end":81.16499},{"sentences":[{"text":"That's okay.","start":87.35,"end":88.329994,"sentiment":"neutral","sentiment_score":0.0009177193278446794},{"text":"Yeah.","start":99.284996,"end":99.604996,"sentiment":"neutral","sentiment_score":-0.03147422522306442},{"text":"It it there is a little bit more to that.","start":99.604996,"end":101.704994,"sentiment":"neutral","sentiment_score":-0.0463296189904213},{"text":"One of the ways and what people have done in the past is they have had more than one job.","start":102.16499,"end":107.845,"sentiment":"neutral","sentiment_score":-0.01134265549480915},{"text":"So, say, they've worked two casual jobs and they've resigned from one of those casual jobs and been able to access it for that way.","start":107.845,"end":115.51,"sentiment":"neutral","sentiment_score":-0.017976928763091565}],"sentiment":"neutral","sentiment_score":-0.020158815611121726,"num_words":58,"start":87.35,"end":115.51},{"sentences":[{"text":"But the alternative is essentially the general requirement is that you are requiring or working for less than ten hours per week after the age of 60.","start":116.37,"end":128.465,"sentiment":"neutral","sentiment_score":-0.05409841004897047},{"text":"So it's kind of, you know, dropping hours as much as possible.","start":128.525,"end":131.905,"sentiment":"neutral","sentiment_score":-0.08029533984760444},{"text":"The easiest way is to fully retire with no intention of returning back to work or if you keep your job as you are.","start":132.285,"end":139.43,"sentiment":"neutral","sentiment_score":-0.003759895140926043},{"text":"At the moment, we can do that TTR sort of strategy there.","start":139.43,"end":142.47,"sentiment":"neutral","sentiment_score":-0.015355220064520836},{"text":"But, yeah, just resigning one job and getting another one doesn't quite qualify, and it's a bit harder to do it that way.","start":142.47,"end":151.34999,"sentiment":"neutral","sentiment_score":-0.12716972325807033}],"sentiment":"neutral","sentiment_score":-0.05738372355699539,"num_words":98,"start":116.37,"end":151.34999},{"sentences":[{"text":"So yeah.","start":151.34999,"end":152.58,"sentiment":"neutral","sentiment_score":0.046022044494748116},{"text":"Yeah.","start":153.905,"end":154.385,"sentiment":"neutral","sentiment_score":0.0906221643090248},{"text":"Yeah.","start":154.385,"end":154.885,"sentiment":"neutral","sentiment_score":0.07298947125673294},{"text":"Yeah.","start":157.265,"end":157.665,"sentiment":"neutral","sentiment_score":0.09904060512781145},{"text":"Well, I'll go through this one with you.","start":157.665,"end":159.505,"sentiment":"neutral","sentiment_score":0.09124230872839689}],"sentiment":"neutral","sentiment_score":0.08343344611617234,"num_words":13,"start":151.34999,"end":159.505},{"sentences":[{"text":"Now this one here is based on you guys, you fully retiring as of the June 25.","start":159.505,"end":165.76498,"sentiment":"neutral","sentiment_score":0.05928960201494834},{"text":"Essentially, if anything happens and you decide to go back to work or anything changes after that point, you let me know.","start":166.45999,"end":171.73999,"sentiment":"neutral","sentiment_score":0.05097735199061307},{"text":"We can always change the strategy.","start":171.73999,"end":173.42,"sentiment":"neutral","sentiment_score":0.08160233994325002},{"text":"This is ever evolving.","start":173.42,"end":174.72,"sentiment":"neutral","sentiment_score":0.060585666447877884},{"text":"But I'm gonna send this to you guys both now.","start":175.65999,"end":178.7,"sentiment":"neutral","sentiment_score":0.07302501201629638}],"sentiment":"neutral","sentiment_score":0.06087511531629805,"num_words":59,"start":159.505,"end":178.7},{"sentences":[{"text":"Is Carolyn there with you as well?","start":178.7,"end":180.64,"sentiment":"neutral","sentiment_score":0.03899018173771245},{"text":"Yep.","start":181.815,"end":182.315,"sentiment":"neutral","sentiment_score":0.08727142214775085},{"text":"How are you, Carolyn?","start":182.775,"end":183.915,"sentiment":"neutral","sentiment_score":0.11726601980626583},{"text":"All good.","start":184.055,"end":184.795,"sentiment":"positive","sentiment_score":0.4720192402601242},{"text":"That's good.","start":185.89499,"end":186.69499,"sentiment":"positive","sentiment_score":0.5473364889621735}],"sentiment":"neutral","sentiment_score":0.1792486394988373,"num_words":16,"start":178.7,"end":186.69499},{"sentences":[{"text":"I'm gonna send this document through to you so you can both review it with me, and we can run through the strategy of what I've set up for you now.","start":186.69499,"end":193.275,"sentiment":"neutral","sentiment_score":0.262095867145446},{"text":"And before we kinda go through that individually, I do have to do security with you.","start":194.25,"end":199.12999,"sentiment":"neutral","sentiment_score":0.07601806265302002},{"text":"Can I get you each to confirm your date of birth and address for me?","start":199.12999,"end":202.67,"sentiment":"neutral","sentiment_score":0.05647068123022715},{"text":"Yep.","start":206.50499,"end":207.00499,"sentiment":"neutral","sentiment_score":0.02739565446972847},{"text":"Beautiful.","start":208.50499,"end":209.00499,"sentiment":"neutral","sentiment_score":0.2129507064819336}],"sentiment":"neutral","sentiment_score":0.16294792911503464,"num_words":64,"start":186.69499,"end":209.00499},{"sentences":[{"text":"No.","start":210.105,"end":210.605,"sentiment":"neutral","sentiment_score":0.05943969637155533},{"text":"Beautiful.","start":214.98499,"end":215.465,"sentiment":"neutral","sentiment_score":0.243302121758461},{"text":"Thank you so much for that.","start":215.465,"end":217.06499,"sentiment":"positive","sentiment_score":0.701541930437088},{"text":"Now I've sent that document through to you there.","start":217.06499,"end":219.14499,"sentiment":"neutral","sentiment_score":0.23160008589426676},{"text":"Just let me know when it does happen to pop through.","start":219.14499,"end":225.12999,"sentiment":"neutral","sentiment_score":0.2309225079688159}],"sentiment":"neutral","sentiment_score":0.3263050629092114,"num_words":28,"start":210.105,"end":225.12999},{"sentences":[{"text":"I've sent it through to each of you.","start":225.98999,"end":227.51,"sentiment":"neutral","sentiment_score":0.23498525843024254},{"text":"So it doesn't really matter which one of you wants to pull it up, or if it's both of you, it's easier.","start":227.51,"end":231.61,"sentiment":"neutral","sentiment_score":0.14090498960153622},{"text":"Excellent.","start":233.44499,"end":233.94499,"sentiment":"positive","sentiment_score":0.5968246459960938},{"text":"Excellent.","start":234.325,"end":234.825,"sentiment":"neutral","sentiment_score":0.09276070445775986},{"text":"So it is a joint statement of advice for both of you focusing on how we can access the funds in the best possible way to be able to pay down the debts.","start":235.765,"end":243.785,"sentiment":"neutral","sentiment_score":0.24540980837561868}],"sentiment":"neutral","sentiment_score":0.2118138594696155,"num_words":65,"start":225.98999,"end":243.785},{"sentences":[{"text":"Another goal you guys have is you want to buy a a hybrid caravan down the track there as well.","start":244.245,"end":249.69,"sentiment":"neutral","sentiment_score":0.2604355618357658},{"text":"Caroline, you're looking forward to retirement at the age of 60 in September.","start":250.01,"end":253.87,"sentiment":"positive","sentiment_score":0.3442001617871798},{"text":"And, Neil, your retirement date was the June 25 this year so far.","start":254.17,"end":258.75,"sentiment":"neutral","sentiment_score":0.02432259315481553},{"text":"Okay?","start":258.81,"end":259.31,"sentiment":"neutral","sentiment_score":0.1155543178319931},{"text":"Excellent.","start":261.035,"end":261.535,"sentiment":"positive","sentiment_score":0.5899069309234619}],"sentiment":"neutral","sentiment_score":0.2230201729107648,"num_words":48,"start":244.245,"end":261.535},{"sentences":[{"text":"On the front of that document there, you will see it has been prepared for the both of you as of the 04/20/2026, prepared by myself and my lovely team here at OQ Financial, and my authorized representative number is 1304394.","start":261.835,"end":275.4,"sentiment":"neutral","sentiment_score":0.24333455468096385},{"text":"Okay?","start":275.56,"end":276.06,"sentiment":"neutral","sentiment_score":0.1217893436551094},{"text":"The next page outlines that the advice has been provided under best interest, so we make sure we understand your goals, what's happening with you guys, and what, you know, your objectives are, and we provide advice in line with meeting those goals and objectives.","start":277.72,"end":289.82,"sentiment":"neutral","sentiment_score":0.17924470603466033},{"text":"Advice is very fluid, so it can change.","start":290.565,"end":292.805,"sentiment":"neutral","sentiment_score":0.11095686350017786},{"text":"So if we get to, say, June and you tell me something's changing, we can just reupdate the advice and alter the strategy.","start":292.805,"end":298.965,"sentiment":"neutral","sentiment_score":0.1438425568782765}],"sentiment":"neutral","sentiment_score":0.18949619977403495,"num_words":118,"start":261.835,"end":298.965},{"sentences":[{"text":"There's no problems there.","start":298.965,"end":300.745,"sentiment":"neutral","sentiment_score":0.2879199795424938},{"text":"This sort of gives you an idea of what we're recommending now to help you meet those goals and then, know, what we look forward to or how this this is projected down the track for you.","start":301.205,"end":311.26,"sentiment":"positive","sentiment_score":0.42387255059706197},{"text":"Okay?","start":311.26,"end":311.76,"sentiment":"neutral","sentiment_score":0.1520072966814041},{"text":"Excellent.","start":312.94,"end":313.44,"sentiment":"positive","sentiment_score":0.38447630405426025},{"text":"So on the pages number three, four, five, six, I think it's also page number nine there.","start":314.46,"end":319.905,"sentiment":"neutral","sentiment_score":0.15615307408220627}],"sentiment":"positive","sentiment_score":0.333767502506574,"num_words":60,"start":298.965,"end":319.905},{"sentences":[{"text":"I've essentially got in there where we're scoping of the advice.","start":319.905,"end":322.785,"sentiment":"neutral","sentiment_score":0.14681150696494363},{"text":"So we've scoped in superannuation to make sure we're meeting both of your goals then.","start":322.785,"end":327.20502,"sentiment":"neutral","sentiment_score":0.22100332180658977},{"text":"We've also scoped in the estate planning side of things.","start":327.98502,"end":330.465,"sentiment":"neutral","sentiment_score":0.12072149217128754},{"text":"So because we are looking to withdraw funds and setting up a bit of a pension for you, I've looked at the best way to structure your beneficiaries so that the funds are paid to Carolyn in the event of passing.","start":330.465,"end":341.72,"sentiment":"neutral","sentiment_score":0.11711489141169118},{"text":"Absolutely.","start":345.06,"end":345.56,"sentiment":"neutral","sentiment_score":0.1576659083366394}],"sentiment":"neutral","sentiment_score":0.1422636895082318,"num_words":78,"start":319.905,"end":345.56},{"sentences":[{"text":"Yep.","start":352.755,"end":353.255,"sentiment":"neutral","sentiment_score":0.04649466648697853},{"text":"Yes.","start":355.715,"end":356.115,"sentiment":"neutral","sentiment_score":0.07827296853065491},{"text":"So the first if you does it have a button there that says sign or yep.","start":356.115,"end":366.33,"sentiment":"neutral","sentiment_score":0.044609665870666504},{"text":"Beautiful.","start":366.33,"end":366.81,"sentiment":"positive","sentiment_score":0.6599235534667969},{"text":"So if you press that button and go forward to the next go forward, it should let you open and review that statement of advice there.","start":366.81,"end":374.11,"sentiment":"positive","sentiment_score":0.33547089936641544}],"sentiment":"neutral","sentiment_score":0.22712642724315327,"num_words":45,"start":352.755,"end":374.11},{"sentences":[{"text":"Yeah.","start":375.105,"end":375.605,"sentiment":"neutral","sentiment_score":-0.03460574522614479},{"text":"Yeah.","start":376.625,"end":376.945,"sentiment":"neutral","sentiment_score":-0.016307011246681213},{"text":"That's okay.","start":376.945,"end":377.765,"sentiment":"neutral","sentiment_score":-0.2951195761561394},{"text":"Oh, have you?","start":387.36,"end":388.4,"sentiment":"neutral","sentiment_score":-0.06102460871140162},{"text":"Oh, no.","start":388.4,"end":389.38,"sentiment":"neutral","sentiment_score":-0.16960948705673218}],"sentiment":"neutral","sentiment_score":-0.1292716343369749,"num_words":9,"start":375.105,"end":389.38},{"sentences":[{"text":"Yeah.","start":391.12,"end":391.62,"sentiment":"neutral","sentiment_score":-0.06041663512587547},{"text":"You're right.","start":396.56,"end":397.46,"sentiment":"neutral","sentiment_score":0.044879741966724396},{"text":"Now we're there.","start":403.05502,"end":403.95502,"sentiment":"neutral","sentiment_score":0.05872248361508051},{"text":"Beautiful.","start":404.015,"end":404.515,"sentiment":"positive","sentiment_score":0.46651357412338257},{"text":"We're up to page number sorry.","start":407.055,"end":409.155,"sentiment":"neutral","sentiment_score":0.019301450811326504}],"sentiment":"neutral","sentiment_score":0.060602506049550496,"num_words":13,"start":391.12,"end":409.155},{"sentences":[{"text":"Number three, four, five, and six.","start":409.775,"end":412.67502,"sentiment":"neutral","sentiment_score":0.03326405864208937},{"text":"Yep.","start":415.95,"end":416.35,"sentiment":"neutral","sentiment_score":0.17067158222198486},{"text":"Beautiful.","start":416.35,"end":416.85,"sentiment":"positive","sentiment_score":0.4510840177536011},{"text":"So the first couple of pages there are your scoping areas, the areas that we are providing advice on.","start":417.07,"end":422.29,"sentiment":"neutral","sentiment_score":0.15441626231921346},{"text":"In the first column you have, we have your goals noted down there.","start":422.66998,"end":425.47,"sentiment":"neutral","sentiment_score":0.12189852102444722}],"sentiment":"neutral","sentiment_score":0.1334982427302748,"num_words":40,"start":409.775,"end":425.47},{"sentences":[{"text":"And because we have more than one conversation, I've noted what conversation, I've noted what your original goals were and then the changes to those goals as per our secondary conversation.","start":425.47,"end":433.585,"sentiment":"neutral","sentiment_score":0.089638220807237},{"text":"It is quite long.","start":433.805,"end":434.60498,"sentiment":"neutral","sentiment_score":-0.1950373277068138},{"text":"I do apologize.","start":434.60498,"end":435.425,"sentiment":"neutral","sentiment_score":-0.2289818376302719},{"text":"And then you've also got the reasoning behind the scoping in and how it relates back to your goals there for you.","start":437.405,"end":440.48056,"sentiment":"neutral","sentiment_score":0.14885817637497728},{"text":"We've also got a state planning in to your goals there for you.","start":440.48056,"end":443.80002,"sentiment":"neutral","sentiment_score":0.20062247950297135}],"sentiment":"neutral","sentiment_score":0.09855701554923842,"num_words":73,"start":425.47,"end":443.80002},{"sentences":[{"text":"We've also got estate planning in there for you and debt management.","start":444.5,"end":448.04,"sentiment":"neutral","sentiment_score":0.23527967681487402},{"text":"So you guys are wanting to draw that 160,000 down so that you can pay off all of your debts and be completely debt free.","start":448.1,"end":454.92,"sentiment":"neutral","sentiment_score":0.30719819068908694},{"text":"Caroline, when you turn 60, you still wanted to access your super there.","start":455.445,"end":458.645,"sentiment":"neutral","sentiment_score":0.15260024941884553},{"text":"You guys are still wanting to purchase a hybrid caravan, and I've looked at ways for you to utilize your super to offset as well.","start":458.645,"end":466.805,"sentiment":"neutral","sentiment_score":0.2501855623722076},{"text":"Okay?","start":466.805,"end":467.305,"sentiment":"neutral","sentiment_score":0.12727594375610352}],"sentiment":"neutral","sentiment_score":0.2482766991383151,"num_words":76,"start":444.5,"end":467.305},{"sentences":[{"text":"Beautiful.","start":468.5,"end":469.0,"sentiment":"positive","sentiment_score":0.5065670013427734},{"text":"I've also included the retirement income needs.","start":469.94,"end":472.58002,"sentiment":"neutral","sentiment_score":0.2117992296282734},{"text":"So because for all of the tentative purposes, Neil, you are planning to retire in June, I've also scoped in what happens and how we can utilize your super for you to draw an income on.","start":472.58002,"end":482.92,"sentiment":"neutral","sentiment_score":0.17401664724780452},{"text":"If anything changes and you decide to go back to work after, you know, you started this retirement planning, we can just always change the strategy and move on to the next thing and update things.","start":483.275,"end":493.51498,"sentiment":"neutral","sentiment_score":0.2042291017456187},{"text":"There is no issues in any way, shape, or form.","start":493.51498,"end":495.835,"sentiment":"neutral","sentiment_score":0.18866596594452859}],"sentiment":"neutral","sentiment_score":0.19436298035499122,"num_words":90,"start":468.5,"end":495.835},{"sentences":[{"text":"I the strategy, as I said, is very fluid.","start":495.835,"end":498.16,"sentiment":"positive","sentiment_score":0.39724740717146134},{"text":"We can change it at any point.","start":498.22,"end":499.90002,"sentiment":"positive","sentiment_score":0.40460892234529766},{"text":"We can update it.","start":499.90002,"end":500.86002,"sentiment":"positive","sentiment_score":0.37313276529312134},{"text":"I can do an advice document every couple of months for you if you wanted to change your goals.","start":500.86002,"end":505.26,"sentiment":"positive","sentiment_score":0.41707291571717514},{"text":"So there is no issue with that at any point.","start":505.26,"end":507.5,"sentiment":"positive","sentiment_score":0.4371104657649994}],"sentiment":"positive","sentiment_score":0.41215327017161313,"num_words":49,"start":495.835,"end":507.5},{"sentences":[{"text":"You just let me know how you're tracking.","start":507.5,"end":509.28003,"sentiment":"neutral","sentiment_score":0.2730405405163765},{"text":"Okay?","start":509.34003,"end":509.84003,"sentiment":"neutral","sentiment_score":0.2027970552444458},{"text":"To the next page, no.","start":512.235,"end":514.075,"sentiment":"neutral","sentiment_score":-0.00807426292449236},{"text":"Page number seven has a limited scope.","start":514.075,"end":516.075,"sentiment":"neutral","sentiment_score":-0.033386316150426865},{"text":"So I've scoped in Social Security just to a limited scope there.","start":516.075,"end":519.275,"sentiment":"neutral","sentiment_score":-0.012519503866011897}],"sentiment":"neutral","sentiment_score":0.059479145615389854,"num_words":33,"start":507.5,"end":519.275},{"sentences":[{"text":"So because you are 61 at the moment, Neil, you can't access to the age of six sorry.","start":519.275,"end":524.635,"sentiment":"neutral","sentiment_score":-0.05100518475390143},{"text":"You can't access Social Security or FenderLink until the age of 67.","start":524.635,"end":528.57,"sentiment":"neutral","sentiment_score":-0.09970208661009868},{"text":"So we do wanna sort of make sure when you get to that point that you are able to access it.","start":528.57,"end":533.87,"sentiment":"neutral","sentiment_score":0.00005984803040822347},{"text":"I've scoped it into only a limited basis, which means I'm looking at the long term effects of the recommendations that we've made and how they relate to Social Security and whether you might be eligible for it down the track based on your current circumstances.","start":533.93,"end":546.065,"sentiment":"neutral","sentiment_score":0.12601914726521657},{"text":"And as you get close to the age 67, we can keep reviewing these strategies.","start":546.685,"end":550.545,"sentiment":"neutral","sentiment_score":0.15673062403996785}],"sentiment":"neutral","sentiment_score":0.053880165879880745,"num_words":112,"start":519.275,"end":550.545},{"sentences":[{"text":"And when you're actually almost there, we can look at what level of Social Security is available, how to maximize that for you, and make sure it helps you to get longevity out of your sleep or down the track as well.","start":550.685,"end":562.02,"sentiment":"neutral","sentiment_score":0.26588903686829973},{"text":"Okay?","start":562.02,"end":562.52,"sentiment":"neutral","sentiment_score":0.22851428389549255},{"text":"Excellent.","start":564.18,"end":564.68,"sentiment":"positive","sentiment_score":0.4905903935432434},{"text":"On the next page, page number eight, areas that we scoped out.","start":565.30005,"end":568.26,"sentiment":"neutral","sentiment_score":0.05628007727985581},{"text":"So you guys don't have any insurances, personal insurances at the moment.","start":568.26,"end":572.065,"sentiment":"neutral","sentiment_score":-0.11878946392486493}],"sentiment":"neutral","sentiment_score":0.1637695821495179,"num_words":68,"start":550.685,"end":572.065},{"sentences":[{"text":"With your ages, it is very hard to obtain new cover.","start":572.44495,"end":575.00494,"sentiment":"neutral","sentiment_score":-0.2923786220225421},{"text":"It is very expensive.","start":575.00494,"end":576.065,"sentiment":"negative","sentiment_score":-0.3526844307780266},{"text":"Your focus is essentially on retirement, paying down your debts, and, you know, enjoying your super and those, you know, retirement years down the track.","start":576.44495,"end":584.2,"sentiment":"neutral","sentiment_score":0.3291978001594543},{"text":"So we're not scoping in any recommendations around the insurance side of things.","start":584.2,"end":588.45996,"sentiment":"neutral","sentiment_score":-0.048763323861819044},{"text":"Okay?","start":588.68,"end":589.18,"sentiment":"neutral","sentiment_score":0.05602194368839264}],"sentiment":"neutral","sentiment_score":0.05602113281687101,"num_words":54,"start":572.44495,"end":589.18},{"sentences":[{"text":"Excellent.","start":590.27997,"end":590.77997,"sentiment":"positive","sentiment_score":0.639919102191925},{"text":"To make this a bit easier, I will sort of go forward past a couple of pages.","start":592.12,"end":596.67505,"sentiment":"positive","sentiment_score":0.3754294462063733},{"text":"When you guys after the call, you're welcome to go back and have a really good rate of the document.","start":596.73505,"end":600.835,"sentiment":"positive","sentiment_score":0.6368480414152146},{"text":"Let me know if there's any changes that you do wanna make and sort of taking because this is quite long.","start":601.29504,"end":607.55505,"sentiment":"neutral","sentiment_score":0.07063334275569234},{"text":"I'll skip through quite a few sections and just sorta hit the points that I need to hit for you to make it easier, and then you'll definitely be able to go back and have a really good read a bit together.","start":607.695,"end":616.22,"sentiment":"neutral","sentiment_score":0.3274580653579462}],"sentiment":"positive","sentiment_score":0.3464922718703747,"num_words":101,"start":590.27997,"end":616.22},{"sentences":[{"text":"Okay?","start":616.36,"end":616.86,"sentiment":"neutral","sentiment_score":0.13486258685588837},{"text":"Excellent.","start":618.92,"end":619.42,"sentiment":"positive","sentiment_score":0.47488367557525635},{"text":"So I've set it out in three different stages for you.","start":619.56,"end":622.27997,"sentiment":"neutral","sentiment_score":0.18619286201216959},{"text":"Stage number one is what we're gonna do now.","start":622.27997,"end":624.86,"sentiment":"neutral","sentiment_score":0.06905228396256764},{"text":"So, Neil, the first recommendation is based on yourself here, and I am recommending for now we do retain your current strategy.","start":625.605,"end":632.405,"sentiment":"neutral","sentiment_score":0.08214691873978484}],"sentiment":"neutral","sentiment_score":0.11560387528416785,"num_words":44,"start":616.36,"end":632.405},{"sentences":[{"text":"You've got your TTR strategy.","start":632.405,"end":633.845,"sentiment":"neutral","sentiment_score":0.08900165110826493},{"text":"So you have your pension account and your super account in accumulation For the time being up until the 06/25/2026 when you officially retire, we are recommending that you retain that account for now.","start":633.845,"end":646.32,"sentiment":"neutral","sentiment_score":0.04262673213858815},{"text":"Retain everything as it is because it is working.","start":646.32,"end":648.63995,"sentiment":"neutral","sentiment_score":0.16453728866246012},{"text":"You've got your contributions going into super, and you're drawing down a bit of income to offset what's being put into super.","start":648.63995,"end":655.005,"sentiment":"neutral","sentiment_score":-0.13522680069912563},{"text":"So if we were to look at changing that and stopping it now, you'd end up with a little bit less money at the end of the day.","start":655.005,"end":661.265,"sentiment":"neutral","sentiment_score":-0.23058754179094518}],"sentiment":"neutral","sentiment_score":-0.061798857543997616,"num_words":98,"start":632.405,"end":661.265},{"sentences":[{"text":"Yep.","start":664.605,"end":665.105,"sentiment":"neutral","sentiment_score":-0.020974259823560715},{"text":"No.","start":667.66003,"end":667.9,"sentiment":"neutral","sentiment_score":-0.19483652710914612},{"text":"That'll that will absolutely stop.","start":667.9,"end":669.66003,"sentiment":"neutral","sentiment_score":-0.20843828916549684},{"text":"So we're gonna continue that up until the 06/25/2026 when you officially retire.","start":669.66003,"end":674.96,"sentiment":"neutral","sentiment_score":-0.023951930925250053},{"text":"We're also going to so we're retaining your super and your pension account as they are for the moment, but we are doing an investment switch for you.","start":676.46,"end":684.025,"sentiment":"neutral","sentiment_score":0.10485255957714149}],"sentiment":"neutral","sentiment_score":0.028468631945240002,"num_words":48,"start":664.605,"end":684.025},{"sentences":[{"text":"So I had a really good look at the way your super was and the investments that you do have in your super at the moment.","start":684.025,"end":689.96497,"sentiment":"neutral","sentiment_score":0.25878694001585245},{"text":"And we know that if you go down to page 21 for me, this is essentially the changes we wanna make now to your super and your pension account.","start":690.425,"end":698.04,"sentiment":"neutral","sentiment_score":0.09185328565794847},{"text":"Okay?","start":698.1,"end":698.6,"sentiment":"neutral","sentiment_score":0.04791303724050522},{"text":"The first yep.","start":700.26,"end":702.12,"sentiment":"neutral","sentiment_score":0.04313354194164276},{"text":"You're alright.","start":702.82,"end":703.56,"sentiment":"neutral","sentiment_score":0.06022761017084122}],"sentiment":"neutral","sentiment_score":0.15885204275245549,"num_words":61,"start":684.025,"end":703.56},{"sentences":[{"text":"Tell you're fine.","start":703.94,"end":705.86,"sentiment":"neutral","sentiment_score":0.07733652740716934},{"text":"You tell me to slow down.","start":705.86,"end":707.14,"sentiment":"neutral","sentiment_score":-0.17981910208861032},{"text":"I'm so sorry.","start":707.14,"end":707.94,"sentiment":"neutral","sentiment_score":-0.26803948481877643},{"text":"My computer might be going faster than you guys.","start":707.94,"end":710.44,"sentiment":"neutral","sentiment_score":-0.3177439686324861},{"text":"So the first thing here is that with the Benelon Australian Equities and the Bank Hybrid there, the Benelon Australian Equities in your portfolio has been underperforming a little bit over the past sort of couple of months there.","start":712.065,"end":724.305,"sentiment":"neutral","sentiment_score":-0.24719512978425393}],"sentiment":"neutral","sentiment_score":-0.23585548773407936,"num_words":60,"start":703.94,"end":724.305},{"sentences":[{"text":"So we wanna remove that investment and do a bit of a switch for yourself.","start":724.305,"end":728.74,"sentiment":"neutral","sentiment_score":-0.13951564927895863},{"text":"So we are gonna sell down all the Benelon Australian equity.","start":729.19995,"end":732.16,"sentiment":"neutral","sentiment_score":0.08634025298736313},{"text":"So you see the full balance there is being sold down to cash, and then you've also got the bank hybrids.","start":732.16,"end":738.1,"sentiment":"neutral","sentiment_score":0.16319161156813303},{"text":"Bank hybrids are more of a defensive investment for you, but they are being phased out in the future.","start":738.24,"end":743.005,"sentiment":"neutral","sentiment_score":0.16048356851464823},{"text":"So it is worth selling those down now, making it easier.","start":743.005,"end":746.70496,"sentiment":"positive","sentiment_score":0.3506928424943577}],"sentiment":"neutral","sentiment_score":0.11936157085485273,"num_words":77,"start":724.305,"end":746.70496},{"sentences":[{"text":"That way, we don't have to sell them down in the future when the time comes.","start":747.165,"end":750.785,"sentiment":"neutral","sentiment_score":0.22114846110343933},{"text":"We're selling down the the Benelon Australian equities.","start":752.07996,"end":754.8,"sentiment":"neutral","sentiment_score":0.1879638722166419},{"text":"We're gonna move all that money into the BetaShares a 200, which is the one on the bottom there.","start":754.8,"end":759.86,"sentiment":"neutral","sentiment_score":0.2584627984385741},{"text":"So the BetaShares a two hundred is still giving you exposure to Australian equities.","start":759.92,"end":764.57996,"sentiment":"positive","sentiment_score":0.3715086260012218},{"text":"It's actually helping to provide more diversification to your portfolio because, Banda Long Australian equities holds anywhere between 20 to 30 different investments within it, whereas the BetaShares a 200 holds the top 200 companies on the ASX.","start":764.875,"end":779.53503,"sentiment":"positive","sentiment_score":0.42192305271562774}],"sentiment":"neutral","sentiment_score":0.3282850136098109,"num_words":95,"start":747.165,"end":779.53503},{"sentences":[{"text":"So you've actually got more exposure to Australian equities, creating more diversification for you, which is overall helping to reduce the risk of your portfolio.","start":779.69,"end":787.79,"sentiment":"positive","sentiment_score":0.5970930302143097},{"text":"It's also more of a passively managed fund.","start":789.20996,"end":791.85,"sentiment":"positive","sentiment_score":0.4258221313357353},{"text":"So the way we see investment managers is there's an active manager, which means if that manager is buying and selling investments and trying to outperform against the market, and you tend to pay a bit more money to have that kind of an investment in your portfolio.","start":791.85,"end":806.03503,"sentiment":"neutral","sentiment_score":0.09027092632216711},{"text":"Whereas a passive manager is just looking to track the market.","start":806.52997,"end":809.99,"sentiment":"neutral","sentiment_score":0.04678374427286061},{"text":"So with the beta shares a 200, they're just tracking the top 200 companies on the ASX, and it's often cheaper to have more of a passively managed investment in your portfolio.","start":810.61,"end":820.15,"sentiment":"neutral","sentiment_score":0.24758918350562453}],"sentiment":"neutral","sentiment_score":0.25084179297329917,"num_words":124,"start":779.69,"end":820.15},{"sentences":[{"text":"So it's giving you more diversification, still giving you exposure to Australian equities, helping to reduce the risk of your portfolio, but it's also a cheaper investment for you as well.","start":820.655,"end":831.075,"sentiment":"positive","sentiment_score":0.5067464026712603},{"text":"Okay?","start":831.215,"end":831.715,"sentiment":"neutral","sentiment_score":0.11946523934602736},{"text":"Yeah.","start":832.91003,"end":833.31,"sentiment":"neutral","sentiment_score":0.11883697658777236},{"text":"So we'll put that into your portfolio and get rid of the then along there.","start":833.31,"end":836.93005,"sentiment":"neutral","sentiment_score":0.098715607325236},{"text":"And then we're getting rid of the bank hybrids removing them because they are being phased out as an investment.","start":837.15,"end":842.29004,"sentiment":"neutral","sentiment_score":-0.07637874018400907}],"sentiment":"neutral","sentiment_score":0.23383235301384153,"num_words":68,"start":820.655,"end":842.29004},{"sentences":[{"text":"And to keep that defensive component for you, we're gonna put the money into the iShares core compass bond.","start":842.59,"end":849.28503,"sentiment":"neutral","sentiment_score":0.18088647880052267},{"text":"Essentially, these are both corporate and bank and government bonds.","start":849.28503,"end":853.465,"sentiment":"neutral","sentiment_score":0.12035119608044624},{"text":"Bonds are really great as defensive investments because they pay income payments on a regular basis.","start":854.085,"end":859.145,"sentiment":"neutral","sentiment_score":0.3212483022361994},{"text":"Think of them sort of like a term deposit.","start":859.445,"end":861.31,"sentiment":"neutral","sentiment_score":0.1665976577334934},{"text":"You're putting some money into these bonds, and every month or two or three, they're giving you income payments or, you know, like, interest payments out of the the term deposit, essentially.","start":861.31,"end":871.97,"sentiment":"neutral","sentiment_score":0.17931321845389903}],"sentiment":"neutral","sentiment_score":0.19788057911534643,"num_words":86,"start":842.59,"end":871.97},{"sentences":[{"text":"And those income payments get paid back into your cash account and reinvested back into your portfolio for you, which helps with the compounding effect.","start":872.02997,"end":880.33496,"sentiment":"neutral","sentiment_score":0.2669494903087616},{"text":"So we had a really good look at everything, and we decided to make this small change now to your portfolio just to make sure things were working a bit harder for you for the time being, but also making sure we're getting rid of those investments that are underperforming for you.","start":880.33496,"end":894.75,"sentiment":"neutral","sentiment_score":0.1153032137797429},{"text":"Okay?","start":894.81,"end":895.31,"sentiment":"neutral","sentiment_score":0.035573430359363556},{"text":"Yeah.","start":896.41,"end":896.91,"sentiment":"neutral","sentiment_score":0.05264115333557129},{"text":"On the next page, you'll see your cash account there.","start":897.69,"end":900.17,"sentiment":"neutral","sentiment_score":0.03628532644361258}],"sentiment":"neutral","sentiment_score":0.14742215980221046,"num_words":89,"start":872.02997,"end":900.17},{"sentences":[{"text":"So at the moment, Neil, you've got about 6.84% in cash.","start":900.17,"end":904.11,"sentiment":"neutral","sentiment_score":0.009093449366363611},{"text":"Within hub twenty four, you actually don't wanna have more cash than you need.","start":904.635,"end":909.05505,"sentiment":"neutral","sentiment_score":-0.08488495275378227},{"text":"Realistically, we're only supposed to hold about 1.25% cash there, so we do wanna invest that extra 3,000 into your portfolio as well.","start":909.755,"end":918.335,"sentiment":"neutral","sentiment_score":0.21906476014334222},{"text":"You end up when you have cash sitting in the cash account, you don't really get much in the way of a return from them, and you do tend to pay fees for having money sitting in cash.","start":918.83997,"end":928.14,"sentiment":"neutral","sentiment_score":0.10182045057023827},{"text":"So you don't really wanna have a lot of money sitting in cash.","start":928.51996,"end":931.32,"sentiment":"neutral","sentiment_score":0.06058440558039225}],"sentiment":"neutral","sentiment_score":0.08693840890897042,"num_words":99,"start":900.17,"end":931.32},{"sentences":[{"text":"You wanna make sure it's all invested in your portfolio and working harder for you.","start":931.32,"end":935.52496,"sentiment":"neutral","sentiment_score":0.3070232460896174},{"text":"Okay?","start":935.52496,"end":936.02496,"sentiment":"neutral","sentiment_score":0.12526865303516388},{"text":"Perfect.","start":937.20496,"end":937.70496,"sentiment":"positive","sentiment_score":0.5111711025238037},{"text":"Now that is your super account.","start":938.245,"end":940.245,"sentiment":"neutral","sentiment_score":0.3193531781435013},{"text":"You will note the balance on that previous page is only about 50,007 85.","start":940.245,"end":945.625,"sentiment":"neutral","sentiment_score":0.15974768517272814}],"sentiment":"neutral","sentiment_score":0.2539020299508765,"num_words":37,"start":931.32,"end":945.625},{"sentences":[{"text":"I've noted both of your accounts separately because you've got your TTR pension account there.","start":946.49,"end":951.21,"sentiment":"neutral","sentiment_score":0.1656415730714798},{"text":"We're gonna make the same change within that TTR pension account, and that's on the next page for you so you can see the difference there.","start":951.21,"end":959.07,"sentiment":"neutral","sentiment_score":0.17587616839087927},{"text":"Okay?","start":959.13,"end":959.63,"sentiment":"neutral","sentiment_score":0.0954323261976242},{"text":"All good.","start":963.065,"end":963.805,"sentiment":"positive","sentiment_score":0.40683412551879883},{"text":"Essentially, within the account there, we do know there is gonna be CGT consequences for doing so.","start":964.82495,"end":970.445,"sentiment":"neutral","sentiment_score":0.09148371745558347}],"sentiment":"neutral","sentiment_score":0.15609389751172456,"num_words":61,"start":946.49,"end":970.445},{"sentences":[{"text":"We had a really good look there.","start":970.505,"end":972.02496,"sentiment":"positive","sentiment_score":0.499090633222035},{"text":"I do have it noted here for you.","start":972.02496,"end":974.045,"sentiment":"neutral","sentiment_score":0.1932348497211933},{"text":"So sorry.","start":975.06995,"end":976.20996,"sentiment":"neutral","sentiment_score":0.013325551524758339},{"text":"It's just going back here.","start":976.82996,"end":979.32996,"sentiment":"neutral","sentiment_score":0.00593195091933012},{"text":"It doesn't have it down.","start":980.99,"end":982.44995,"sentiment":"neutral","sentiment_score":0.02120530530810356}],"sentiment":"neutral","sentiment_score":0.1926611338707584,"num_words":27,"start":970.505,"end":982.44995},{"sentences":[{"text":"Oh.","start":990.765,"end":991.265,"sentiment":"neutral","sentiment_score":0.014934794045984743},{"text":"Alright.","start":993.325,"end":993.825,"sentiment":"neutral","sentiment_score":0.006686956621706486},{"text":"No.","start":996.445,"end":996.685,"sentiment":"neutral","sentiment_score":-0.01298869587481022},{"text":"That's okay.","start":996.685,"end":997.58496,"sentiment":"neutral","sentiment_score":0.03099753614515066},{"text":"So if you go down to page number 26 there for me now, this is a fee table, and this essentially shows you that by making those small changes to your portfolio and the way we made it by selling off Benelon and the bank hybrids and making that change, there's actually no capital gains consequences to your super.","start":998.125,"end":1016.135,"sentiment":"neutral","sentiment_score":0.20788055304753578}],"sentiment":"neutral","sentiment_score":0.19274344932637177,"num_words":64,"start":990.765,"end":1016.135},{"sentences":[{"text":"So because Bennelong has been underperforming, and we're able to sell off the the Bank Hybrids, we're offsetting the losses made by Bennelong for the gains for selling off the Bank Hybrids, and your super fund will have no tax consequences.","start":1016.135,"end":1029.9299,"sentiment":"neutral","sentiment_score":0.31466167547353885},{"text":"So no CDT tax for making that change, which is a benefit to you.","start":1030.07,"end":1034.47,"sentiment":"positive","sentiment_score":0.4559107518621853},{"text":"Okay?","start":1034.47,"end":1034.97,"sentiment":"neutral","sentiment_score":0.1678595244884491},{"text":"On the second sorry.","start":1037.03,"end":1038.47,"sentiment":"neutral","sentiment_score":0.00028003333136439323},{"text":"It'll be the third line down there, the investment fee line.","start":1038.47,"end":1041.77,"sentiment":"neutral","sentiment_score":0.007037873337553306}],"sentiment":"neutral","sentiment_score":0.2750743026058124,"num_words":71,"start":1016.135,"end":1041.77},{"sentences":[{"text":"The first column shows your current investment fees that you're paying between the two accounts.","start":1041.83,"end":1046.2749,"sentiment":"neutral","sentiment_score":0.02362067165474097},{"text":"And then after we make that switch, you'll see there's a difference.","start":1046.895,"end":1050.2749,"sentiment":"neutral","sentiment_score":0.050113520585000515},{"text":"The difference is $326.","start":1050.335,"end":1052.895,"sentiment":"neutral","sentiment_score":0.044901042245328426},{"text":"So by selling off that along, removing the bank hybrids, and moving the funds into the core composite bonds and the a 200, you can actually save for the year $326 on investment fees.","start":1052.895,"end":1065.3501,"sentiment":"neutral","sentiment_score":0.20415062709328005},{"text":"So you're actually there's no tax consequences in making the change, and we're reducing the investment fees that come out of your portfolio as well, which is a benefit.","start":1065.3501,"end":1073.8501,"sentiment":"neutral","sentiment_score":0.32273931955469065}],"sentiment":"neutral","sentiment_score":0.18548763913914879,"num_words":94,"start":1041.83,"end":1073.8501},{"sentences":[{"text":"Less fees, more diversification, no tax consequences, and we're removing those underperforming investments.","start":1073.91,"end":1081.305,"sentiment":"neutral","sentiment_score":0.15576766474315754},{"text":"So yeah.","start":1081.4451,"end":1082.505,"sentiment":"neutral","sentiment_score":0.13873852416872978},{"text":"Works well.","start":1084.165,"end":1085.0651,"sentiment":"positive","sentiment_score":0.6096934676170349},{"text":"There's no real other change to any of this.","start":1087.25,"end":1090.15,"sentiment":"neutral","sentiment_score":0.04300985402531094},{"text":"I do know if you have a look at the bottom there.","start":1090.2101,"end":1092.29,"sentiment":"neutral","sentiment_score":0.04933452947686116}],"sentiment":"neutral","sentiment_score":0.1184459648732292,"num_words":38,"start":1073.91,"end":1092.29},{"sentences":[{"text":"The five year rolling average by making this sort of switch, the and putting the a 200 instead of Van Along, the five year rolling average shows that the portfolio has actually performed better over the past five years.","start":1092.29,"end":1105.205,"sentiment":"neutral","sentiment_score":0.1297077568104634},{"text":"So moving forward, if the portfolio is worth the same as they have with the market conditions they've had, then you can sort of see that you could end up with about a 9.67% return on a yearly basis from this sort of portfolio as well as saving money, whereas the older portfolios only really averaged about 8.41%.","start":1105.825,"end":1125.28,"sentiment":"neutral","sentiment_score":0.24366745808771972},{"text":"So, you know, you've got the benefit there of this updated portfolio by making these small changes can have a greater effect long term long term on your super as well.","start":1125.34,"end":1135.4751,"sentiment":"neutral","sentiment_score":0.3099433606670749},{"text":"Okay?","start":1135.4751,"end":1135.9751,"sentiment":"neutral","sentiment_score":0.07458285987377167},{"text":"Beautiful.","start":1136.995,"end":1137.495,"sentiment":"positive","sentiment_score":0.5260999798774719}],"sentiment":"neutral","sentiment_score":0.22615570850097216,"num_words":130,"start":1092.29,"end":1137.495},{"sentences":[{"text":"It is a lot to go through, but do you have any questions for me at the moment?","start":1138.05,"end":1141.7301,"sentiment":"neutral","sentiment_score":0.08596721084581481},{"text":"Please let me know if there's anything that you need me to re clarify.","start":1141.7301,"end":1144.63,"sentiment":"neutral","sentiment_score":0.036988271799470694},{"text":"Yeah.","start":1147.25,"end":1147.75,"sentiment":"neutral","sentiment_score":0.12889984250068665},{"text":"All good.","start":1147.81,"end":1148.55,"sentiment":"neutral","sentiment_score":0.3158203214406967},{"text":"Yeah.","start":1149.25,"end":1149.65,"sentiment":"neutral","sentiment_score":0.25867903232574463}],"sentiment":"neutral","sentiment_score":0.08567958661458558,"num_words":36,"start":1138.05,"end":1149.65},{"sentences":[{"text":"Perfect.","start":1149.65,"end":1150.15,"sentiment":"positive","sentiment_score":0.4409138262271881},{"text":"That's your super for the moment on what we're doing now.","start":1150.385,"end":1153.285,"sentiment":"neutral","sentiment_score":0.24727714332667264},{"text":"On the next page, it does show we are looking at a smaller projected outcome because you are planning to essentially retire in the next few months there.","start":1153.425,"end":1162.3251,"sentiment":"neutral","sentiment_score":0.034263986961117814},{"text":"So with the current scenario, you could sort of see your super ending up in the next, technically, a bit over a month at around $320,004.35 between the two accounts with the recommended.","start":1162.63,"end":1175.545,"sentiment":"neutral","sentiment_score":0.06031728428647374},{"text":"If it is able to get that greater level of return, you could be in front by about 340.","start":1175.6849,"end":1181.365,"sentiment":"neutral","sentiment_score":0.3288753973810296}],"sentiment":"neutral","sentiment_score":0.13434192358070743,"num_words":92,"start":1149.65,"end":1181.365},{"sentences":[{"text":"So, look, honestly, because it's only about a month away, there is a much smaller projected outcome that's expected from this, but it is showing that by saving money, creating better diversification, lowering your overall risk, and having a greater past performance could put you in a better position in the next cup in the next month or so as well.","start":1181.365,"end":1201.8401,"sentiment":"neutral","sentiment_score":0.327806364805972},{"text":"Okay?","start":1201.8401,"end":1202.3401,"sentiment":"neutral","sentiment_score":0.13384127616882324},{"text":"Yeah.","start":1203.005,"end":1203.505,"sentiment":"neutral","sentiment_score":0.2211039960384369},{"text":"So that's essentially what we wanna do for yourself now.","start":1204.685,"end":1207.425,"sentiment":"positive","sentiment_score":0.3557836890220642},{"text":"Caroline, with your current super within Netwealth, you're due to retire in September 2026.","start":1207.805,"end":1214.045,"sentiment":"neutral","sentiment_score":0.11006739522729601}],"sentiment":"neutral","sentiment_score":0.2925277465376361,"num_words":87,"start":1181.365,"end":1214.045},{"sentences":[{"text":"So we went back and had it again.","start":1214.045,"end":1215.9651,"sentiment":"neutral","sentiment_score":0.05779112642630935},{"text":"Just a really good look at what was happening.","start":1215.9651,"end":1218.305,"sentiment":"neutral","sentiment_score":0.2339487440056271},{"text":"I'm not recommending we make any changes to your super or your portfolio at the moment.","start":1218.88,"end":1224.34,"sentiment":"negative","sentiment_score":-0.43809979502111673},{"text":"We had a really good look at how you invested.","start":1224.88,"end":1227.14,"sentiment":"neutral","sentiment_score":0.09153967350721359},{"text":"We had a look at all the underlying investments there.","start":1227.9199,"end":1230.48,"sentiment":"neutral","sentiment_score":0.11425856500864029}],"sentiment":"neutral","sentiment_score":-0.04497635146638133,"num_words":53,"start":1214.045,"end":1230.48},{"sentences":[{"text":"You do have a little bit more in cash.","start":1230.48,"end":1232.5599,"sentiment":"neutral","sentiment_score":0.11354740709066391},{"text":"So if you go down to page number thirty four and thirty five, it shows how you're invested at the moment.","start":1232.5599,"end":1239.125,"sentiment":"neutral","sentiment_score":0.12444110356626056},{"text":"You yeah.","start":1239.905,"end":1241.265,"sentiment":"neutral","sentiment_score":0.05811629444360733},{"text":"We've actually already kind of done a little bit of a swap.","start":1241.265,"end":1243.905,"sentiment":"neutral","sentiment_score":0.10685866822799046},{"text":"You don't have, Van Along in your portfolio at the moment.","start":1243.905,"end":1247.105,"sentiment":"neutral","sentiment_score":-0.004031269620596008}],"sentiment":"neutral","sentiment_score":0.09071604510007257,"num_words":55,"start":1230.48,"end":1247.105},{"sentences":[{"text":"You've got some other investments in there.","start":1247.105,"end":1249.5,"sentiment":"neutral","sentiment_score":-0.00518080113189561},{"text":"You're in more of a conservative, investment portfolio.","start":1249.5,"end":1252.3999,"sentiment":"neutral","sentiment_score":0.036313714226707816},{"text":"And when we sort of talked about lowering the overall risk, at the moment, you're in a very defensive portfolio.","start":1252.86,"end":1259.0399,"sentiment":"neutral","sentiment_score":-0.004312467761337758},{"text":"So when I kind of look at the way you're invested, when we think about growth assets, so things like Australian shares, international shares, listed property, and commodities, you've got about 55.18% and the rest in defensive low risk investments like cash, bonds, and fixed interest, and you've got about 44.82% there.","start":1259.34,"end":1278.8201,"sentiment":"neutral","sentiment_score":0.15517584864909834},{"text":"So you are pretty well defensively invested, very much in that balanced environment.","start":1278.8201,"end":1283.96,"sentiment":"positive","sentiment_score":0.3586828144123921}],"sentiment":"neutral","sentiment_score":0.12900015467777848,"num_words":100,"start":1247.105,"end":1283.96},{"sentences":[{"text":"So I didn't kind of wanna make too many changes to kind of affect your super balance because it is a bit lower than where Neil's is at the moment, and you're wanting to access that in a few months.","start":1284.1,"end":1295.0616,"sentiment":"neutral","sentiment_score":-0.17476203087717296},{"text":"Your cash is a little bit higher.","start":1295.0616,"end":1297.2294,"sentiment":"neutral","sentiment_score":0.13402456896645681},{"text":"You do have about 6.9% sitting in cash, so we do want to invest majority of that, only leaving 1.25%.","start":1297.2294,"end":1305.9,"sentiment":"neutral","sentiment_score":0.20439303778111934},{"text":"But in the appendices, when you get a chance to have a look, I've attached that as an attachment to the email for you.","start":1306.86,"end":1312.78,"sentiment":"neutral","sentiment_score":0.09860233527918656},{"text":"I've actually got some alternatives considered.","start":1312.78,"end":1315.04,"sentiment":"neutral","sentiment_score":0.09971233457326889}],"sentiment":"neutral","sentiment_score":0.010312181004543895,"num_words":97,"start":1284.1,"end":1315.04},{"sentences":[{"text":"We did look at altering the portfolio a couple of different ways.","start":1315.34,"end":1318.9601,"sentiment":"neutral","sentiment_score":0.02884832335015138},{"text":"Both of them came out showing CGT consequences for your fund of between $770 and $1,176 there.","start":1319.665,"end":1329.025,"sentiment":"neutral","sentiment_score":-0.0321735756143051},{"text":"So we kinda wanted to limit the CGT consequences, But even putting you into a different portfolio, which was getting a better rate of return, when we looked at your contributions, the CGT consequences for making changes to your to your investments, It came out that you were gonna be worse off in the next couple of months there, so they weren't a huge difference.","start":1329.025,"end":1352.325,"sentiment":"neutral","sentiment_score":-0.15803510761604858},{"text":"The first alternative we looked at only showed a difference of about a 147 in September.","start":1353.265,"end":1359.045,"sentiment":"neutral","sentiment_score":-0.092013691784814},{"text":"The other one was about a thousand and 85, But we don't really wanna be having a super going backwards.","start":1359.425,"end":1365.66,"sentiment":"neutral","sentiment_score":-0.1584282798692584}],"sentiment":"neutral","sentiment_score":-0.11626028897097478,"num_words":130,"start":1315.34,"end":1365.66},{"sentences":[{"text":"We wanna kinda keep it going forward for the moment.","start":1365.66,"end":1368.4,"sentiment":"neutral","sentiment_score":-0.029244189709424974},{"text":"So I sort of landed on the best place for you right now is to keep it as is, not make any changes to your portfolio now, and have it continue to keep working harder for you.","start":1368.8601,"end":1379.395,"sentiment":"neutral","sentiment_score":0.17695891816873807},{"text":"So in September, we can draw down as much as possible.","start":1379.935,"end":1382.995,"sentiment":"neutral","sentiment_score":-0.05683532831343738},{"text":"Okay?","start":1383.135,"end":1383.635,"sentiment":"neutral","sentiment_score":0.040430571883916855},{"text":"Beautiful.","start":1386.3351,"end":1386.8351,"sentiment":"positive","sentiment_score":0.7580525875091553}],"sentiment":"neutral","sentiment_score":0.107138877051572,"num_words":60,"start":1365.66,"end":1386.8351},{"sentences":[{"text":"For yourself on page 37, you've got a bit of a fee comparison table there as well and a projected outcome, and it sort of shows that you've also got it on page 38, but it shows in September, essentially, what we're kind of expecting for you is a balance of around about $124,004.65 as if market conditions continue to work the way they have, if you're able to get that sort of five year rolling average of 12.34% continuously.","start":1388.0951,"end":1416.3,"sentiment":"neutral","sentiment_score":0.24580669356510043},{"text":"That's a yearly sort of rolling average.","start":1418.28,"end":1420.54,"sentiment":"neutral","sentiment_score":0.18874562638146536},{"text":"So we understand in smaller months, it's gonna be probably a little bit less there, but we've sort of also gone back and broken that down into a monthly amount.","start":1420.6,"end":1429.3201,"sentiment":"neutral","sentiment_score":0.13479432041446368},{"text":"So if your super was able to work the way it has or whether the five year rolling average has on a monthly basis, you could still end up with about a $124,004.65 in September to draw down.","start":1429.3201,"end":1440.5149,"sentiment":"neutral","sentiment_score":0.25444822444727544},{"text":"Okay?","start":1440.575,"end":1441.075,"sentiment":"neutral","sentiment_score":0.09229914844036102}],"sentiment":"neutral","sentiment_score":0.22301869333172455,"num_words":156,"start":1388.0951,"end":1441.075},{"sentences":[{"text":"Beautiful.","start":1443.5499,"end":1444.0499,"sentiment":"positive","sentiment_score":0.5380086898803711},{"text":"That is stage one.","start":1444.99,"end":1446.45,"sentiment":"neutral","sentiment_score":0.29302284494042397},{"text":"Stage two is on page number 39 for you.","start":1447.23,"end":1451.25,"sentiment":"neutral","sentiment_score":0.11005757914649116},{"text":"Now stage two is to come into effect from the June 25.","start":1451.3099,"end":1457.035,"sentiment":"neutral","sentiment_score":0.11376321253677209},{"text":"So, essentially, Neil, you may have mentioned June 25 is when you've told your employer you wanna retire.","start":1457.255,"end":1462.3151,"sentiment":"neutral","sentiment_score":0.1156209334731102}],"sentiment":"neutral","sentiment_score":0.13970349170267582,"num_words":44,"start":1443.5499,"end":1462.3151},{"sentences":[{"text":"From that date, we'll just need to confirm exactly when the last contribution should be going into the account.","start":1463.175,"end":1469.275,"sentiment":"neutral","sentiment_score":0.13830112234542244},{"text":"Realistically, by then, we should have payday contributions.","start":1469.4701,"end":1472.53,"sentiment":"neutral","sentiment_score":0.12849038559943438},{"text":"So once your final pay goes into your bank account, they should be able to make your final contribution into your super account.","start":1472.91,"end":1479.81,"sentiment":"neutral","sentiment_score":0.24063016344671664},{"text":"At that time, we wanna roll back the funds from your TCR pension into your super.","start":1480.8301,"end":1486.645,"sentiment":"neutral","sentiment_score":0.15664582327008247},{"text":"So everything goes back into your accumulation account or back into one place.","start":1486.645,"end":1491.145,"sentiment":"neutral","sentiment_score":0.197177366568492}],"sentiment":"neutral","sentiment_score":0.18050350767524936,"num_words":79,"start":1463.175,"end":1491.145},{"sentences":[{"text":"Your last contribution is made to the super fund, and then we're gonna roll a 100% for everything into a full account based pension account for you.","start":1491.445,"end":1500.74,"sentiment":"neutral","sentiment_score":0.28912006594516615},{"text":"The benefit to doing that is that when you're fully retired and you we move into an account based pension, you get full access to your super.","start":1501.6001,"end":1510.18,"sentiment":"positive","sentiment_score":0.5630687651810823},{"text":"It's completely tax free, but it also means that capital gains within the fund and income made within the fund are all completely tax free as well.","start":1510.48,"end":1520.865,"sentiment":"positive","sentiment_score":0.49501921512462477},{"text":"So there's no tax in any way, shape, or form.","start":1521.085,"end":1523.5651,"sentiment":"neutral","sentiment_score":0.13707180470228195},{"text":"So it means that your fund isn't paying income tax.","start":1523.5651,"end":1526.045,"sentiment":"neutral","sentiment_score":0.1689333274436649}],"sentiment":"positive","sentiment_score":0.3904422630716143,"num_words":101,"start":1491.445,"end":1526.045},{"sentences":[{"text":"There's no CDT tax in the fund, and any income you draw down is completely tax free for yourself as well.","start":1526.045,"end":1532.47,"sentiment":"positive","sentiment_score":0.5122737160750798},{"text":"So it works on several levels, but it means you've got more money invested for you long term.","start":1532.47,"end":1538.8099,"sentiment":"positive","sentiment_score":0.5567850768566132},{"text":"Okay?","start":1539.03,"end":1539.53,"sentiment":"positive","sentiment_score":0.349528431892395},{"text":"Yeah.","start":1541.765,"end":1542.265,"sentiment":"neutral","sentiment_score":0.26989006996154785},{"text":"So once we move into that account based pension, what I'm gonna recommend is that you do draw down that 160,000.","start":1542.405,"end":1549.865,"sentiment":"neutral","sentiment_score":0.12844139550413405}],"sentiment":"positive","sentiment_score":0.3886543101360721,"num_words":62,"start":1526.045,"end":1549.865},{"sentences":[{"text":"However, there's only about a week's difference between the June when you're gonna retire to the July 1, I'm gonna recommend that you hold off drawing that $1.60 until the 07/01/2026.","start":1549.925,"end":1563.04,"sentiment":"neutral","sentiment_score":0.03073359443618345},{"text":"And that is because once you roll into account based pension phase, you also have to every year draw down the minimum pension amount.","start":1563.34,"end":1571.28,"sentiment":"neutral","sentiment_score":0.27751229610294104},{"text":"So if we hold off that withdrawal until the July 1, you draw down a 160,000 out of super to cover all of your debts.","start":1571.8049,"end":1580.1449,"sentiment":"positive","sentiment_score":0.4871161365509033},{"text":"It then means you don't have to draw down any more funds out of your super fund.","start":1580.445,"end":1585.345,"sentiment":"positive","sentiment_score":0.4457504074363148},{"text":"Your you don't have to draw anything else as an income payment, which is a which is a positive thing.","start":1585.565,"end":1591.51,"sentiment":"positive","sentiment_score":0.622920261323452}],"sentiment":"positive","sentiment_score":0.34040258205684826,"num_words":117,"start":1549.925,"end":1591.51},{"sentences":[{"text":"One of the things that we talked about a while ago was that once you're fully retired, you'll also get your long service leave, your annual leave, all those things paid out, and that should provide you with a better a bit of a buffer for income.","start":1591.8099,"end":1604.095,"sentiment":"positive","sentiment_score":0.33388337968511783},{"text":"But then Carolyn is also still working through to September as well.","start":1604.3949,"end":1608.495,"sentiment":"neutral","sentiment_score":0.09886895306408405},{"text":"So when we sort of look at things, the you'll see the fee table there which shows, essentially, you have 24 accumulation, the pension account there, and then we roll all of that into the recommended, which is the pension account, and you draw down the one sixty.","start":1609.9149,"end":1626.5801,"sentiment":"neutral","sentiment_score":0.13935250245655575},{"text":"It does show that, essentially, what we'd expect you to have in that account at the end of that by the 07/01/2027 is about 167,000 there.","start":1627.0751,"end":1637.795,"sentiment":"neutral","sentiment_score":0.16708090414221471},{"text":"Okay?","start":1637.795,"end":1638.275,"sentiment":"neutral","sentiment_score":0.05691377818584442}],"sentiment":"neutral","sentiment_score":0.2087230125803556,"num_words":134,"start":1591.8099,"end":1638.275},{"sentences":[{"text":"So taking that money out does it does take quite a lot of your super, leaves you with a bit over 160 there this year with no contributions going in.","start":1638.275,"end":1649.0701,"sentiment":"neutral","sentiment_score":0.0790036870787541},{"text":"We do expect growth out of the account, but it does mean the growth is gonna be a lot lower.","start":1649.29,"end":1654.5851,"sentiment":"neutral","sentiment_score":0.07191429883241654},{"text":"So we just wanted to kinda show you the difference there.","start":1654.5851,"end":1657.305,"sentiment":"neutral","sentiment_score":0.14914405345916748},{"text":"Okay?","start":1657.305,"end":1657.805,"sentiment":"neutral","sentiment_score":0.11516482383012772},{"text":"Beautiful.","start":1658.8251,"end":1659.3251,"sentiment":"positive","sentiment_score":0.3573490381240845}],"sentiment":"neutral","sentiment_score":0.09399198474628585,"num_words":63,"start":1638.275,"end":1659.3251},{"sentences":[{"text":"Once you've moved into pension, as I mentioned, there's no no income taxes, no capital gains tax on any investments.","start":1660.905,"end":1668.12,"sentiment":"neutral","sentiment_score":0.17269251495599747},{"text":"We'll keep you in the same portfolio that you're in at the moment because it is saving you quite a bit of money.","start":1669.06,"end":1674.4401,"sentiment":"positive","sentiment_score":0.553824236859446},{"text":"By moving everything into that account based pension account, you also will only have one account now, not two.","start":1674.8201,"end":1681.395,"sentiment":"positive","sentiment_score":0.33668190084005656},{"text":"So we'll save you about $234 a year on administration fees and an extra $380 for the year on investment fees as well.","start":1681.395,"end":1690.275,"sentiment":"positive","sentiment_score":0.3541600328424703},{"text":"So everything kinda goes down.","start":1690.275,"end":1692.76,"sentiment":"neutral","sentiment_score":0.1048535868525505}],"sentiment":"positive","sentiment_score":0.3473190283609761,"num_words":90,"start":1660.905,"end":1692.76},{"sentences":[{"text":"Our ongoing service fee also drops because you've only got one account there as well.","start":1692.76,"end":1696.9401,"sentiment":"neutral","sentiment_score":0.004944512248039245},{"text":"And, obviously, your contribution stopped.","start":1697.4801,"end":1699.5801,"sentiment":"neutral","sentiment_score":-0.02254711352288723},{"text":"And then you've got your your income drawdown showing zero at the moment because we're doing that $160,000 drawdown, which is at the very top there.","start":1700.8401,"end":1710.265,"sentiment":"neutral","sentiment_score":0.005621139712345142},{"text":"Okay?","start":1710.265,"end":1710.765,"sentiment":"neutral","sentiment_score":0.08063505589962006},{"text":"Beautiful.","start":1712.585,"end":1713.085,"sentiment":"positive","sentiment_score":0.40607479214668274}],"sentiment":"neutral","sentiment_score":0.012381074930696437,"num_words":48,"start":1692.76,"end":1713.085},{"sentences":[{"text":"And once you've done that one sixty, you'll see the hub 24 pension that recommended the balance there.","start":1713.465,"end":1718.49,"sentiment":"neutral","sentiment_score":0.15033384246958625},{"text":"That is the balance expected after we've done the transfer into the pension account, but after the 160,000 has been drawn down.","start":1718.49,"end":1726.33,"sentiment":"neutral","sentiment_score":0.08586614934558218},{"text":"Does that make sense?","start":1726.33,"end":1727.39,"sentiment":"neutral","sentiment_score":0.07769373990595341},{"text":"Yeah.","start":1728.985,"end":1729.385,"sentiment":"neutral","sentiment_score":0.07170527428388596},{"text":"Do you have any questions?","start":1729.385,"end":1730.6849,"sentiment":"neutral","sentiment_score":0.06465298533439637}],"sentiment":"neutral","sentiment_score":0.10601619221270084,"num_words":50,"start":1713.465,"end":1730.6849},{"sentences":[{"text":"I wanted to give you time to ask questions, and you're welcome to tell me if there's something you want me to break down further for you.","start":1730.825,"end":1736.845,"sentiment":"neutral","sentiment_score":0.07817358299399968},{"text":"No?","start":1737.5449,"end":1738.0449,"sentiment":"neutral","sentiment_score":-0.0618051178753376},{"text":"Fantastic.","start":1740.265,"end":1740.765,"sentiment":"positive","sentiment_score":0.5767106413841248},{"text":"Fantastic.","start":1741.145,"end":1741.645,"sentiment":"positive","sentiment_score":0.5312896370887756},{"text":"The next page gives you a projected outcome.","start":1742.97,"end":1745.21,"sentiment":"neutral","sentiment_score":0.29208602756261826}],"sentiment":"neutral","sentiment_score":0.14456763478780263,"num_words":38,"start":1730.825,"end":1745.21},{"sentences":[{"text":"So after the first year around about the 07/01/2027, so long as no additional funds are drawn out of the account there, you can sort of see we would expect you to have about a $167,005.66 in the account there.","start":1745.21,"end":1760.9049,"sentiment":"neutral","sentiment_score":0.18097771229222417},{"text":"The current shows if you would essentially keep the accumulation and the pension account the way it is at the moment and didn't take that $1.60, you could end up with about 335,760.","start":1761.5249,"end":1775.11,"sentiment":"neutral","sentiment_score":0.15732733950470434},{"text":"So it's showing you your current scenario versus the recommended, and the difference is the fees, obviously, plus the withdrawal amount there.","start":1775.11,"end":1784.01,"sentiment":"neutral","sentiment_score":0.07806167683818123},{"text":"Okay?","start":1784.07,"end":1784.57,"sentiment":"neutral","sentiment_score":0.07505521923303604},{"text":"Beautiful.","start":1786.1549,"end":1786.6549,"sentiment":"positive","sentiment_score":0.46286505460739136}],"sentiment":"neutral","sentiment_score":0.15140399855283118,"num_words":97,"start":1745.21,"end":1786.6549},{"sentences":[{"text":"All good.","start":1787.115,"end":1787.855,"sentiment":"positive","sentiment_score":0.43008019030094147},{"text":"So that is essentially stage two.","start":1789.115,"end":1791.215,"sentiment":"neutral","sentiment_score":0.09509498998522758},{"text":"As of the June 25, we find out when your last contribution is.","start":1791.2749,"end":1795.835,"sentiment":"neutral","sentiment_score":0.06899112950150783},{"text":"We can roll the funds.","start":1795.835,"end":1796.955,"sentiment":"neutral","sentiment_score":0.0959982343018055},{"text":"We wanna make sure that, obviously, you're you're getting your last pay, and we have that all the funds rolled back into accumulation, but we wanna make sure that you get your last pension payment out of that TTR account as well.","start":1796.955,"end":1810.0901,"sentiment":"neutral","sentiment_score":0.08482761893953596}],"sentiment":"neutral","sentiment_score":0.09368185545591746,"num_words":68,"start":1787.115,"end":1810.0901},{"sentences":[{"text":"So we'll make sure that the, sorry, the rollover is in line with your pays.","start":1810.4701,"end":1815.795,"sentiment":"neutral","sentiment_score":0.09256273880600929},{"text":"That way, we we don't want you to end up with a pay less or anything.","start":1816.015,"end":1819.0549,"sentiment":"neutral","sentiment_score":-0.05965970363467932},{"text":"So Yep.","start":1819.0549,"end":1830.67,"sentiment":"neutral","sentiment_score":0.06090530194342136},{"text":"Beautiful.","start":1830.67,"end":1831.17,"sentiment":"positive","sentiment_score":0.35931122303009033},{"text":"Yep.","start":1837.085,"end":1837.585,"sentiment":"neutral","sentiment_score":0.20855943858623505}],"sentiment":"neutral","sentiment_score":0.03210191684109824,"num_words":35,"start":1810.4701,"end":1837.585},{"sentences":[{"text":"Perfect.","start":1837.645,"end":1838.145,"sentiment":"positive","sentiment_score":0.4095885753631592},{"text":"April.","start":1838.925,"end":1839.8251,"sentiment":"neutral","sentiment_score":0.24798426032066345},{"text":"Lovely.","start":1839.965,"end":1840.465,"sentiment":"positive","sentiment_score":0.5508689880371094},{"text":"I'll make a note to check hub to check the hub twenty four account, note that when your last pension payment is due out of there, and we can make sure it works in in in coincides with that for you.","start":1840.685,"end":1851.165,"sentiment":"neutral","sentiment_score":0.2400393695002649},{"text":"Okay?","start":1851.165,"end":1851.665,"sentiment":"neutral","sentiment_score":0.10563360899686812}],"sentiment":"neutral","sentiment_score":0.2479042129384147,"num_words":45,"start":1837.645,"end":1851.665},{"sentences":[{"text":"Beautiful.","start":1853.0399,"end":1853.5399,"sentiment":"positive","sentiment_score":0.4894915819168091},{"text":"We then just need to make sure we know when your last contribution a payment goes into your account.","start":1854.24,"end":1858.24,"sentiment":"neutral","sentiment_score":0.1940860324784329},{"text":"We can roll everything back into accumulation.","start":1858.24,"end":1860.26,"sentiment":"neutral","sentiment_score":0.2503074620451246},{"text":"It doesn't take long to complete that, and then we'll organize that transfer back to pension phase on the July 1 and organize that withdrawal of a 160,000 out at the same time.","start":1860.7999,"end":1872.9651,"sentiment":"neutral","sentiment_score":0.23118944827354315},{"text":"It generally takes a couple of days to have that paid down, and we do the sell downs and the pension payment here.","start":1873.425,"end":1878.93,"sentiment":"neutral","sentiment_score":0.20466656658960425}],"sentiment":"neutral","sentiment_score":0.2200706175651895,"num_words":83,"start":1853.0399,"end":1878.93},{"sentences":[{"text":"And then you'll have those funds so you can clear all your debts and be completely debt free.","start":1879.0901,"end":1883.43,"sentiment":"neutral","sentiment_score":0.308106676571899},{"text":"Okay?","start":1883.4901,"end":1883.9901,"sentiment":"neutral","sentiment_score":0.12594008445739746},{"text":"Yeah.","start":1886.6901,"end":1887.1901,"sentiment":"neutral","sentiment_score":0.24691875278949735},{"text":"Beautiful.","start":1887.41,"end":1887.91,"sentiment":"positive","sentiment_score":0.5148701071739197},{"text":"As mentioned, I've not made any additional pension draw downs for this financial year because you'll have your annual leave, you'll have your long service leave, and Carolyn's still working there as well.","start":1889.25,"end":1898.875,"sentiment":"neutral","sentiment_score":0.1544304998083548}],"sentiment":"neutral","sentiment_score":0.21351584474797602,"num_words":54,"start":1879.0901,"end":1898.875},{"sentences":[{"text":"And with not having a mortgage, that's one less payment to make for you guys as well.","start":1899.1749,"end":1903.495,"sentiment":"neutral","sentiment_score":0.10263797443579226},{"text":"So we can definitely liaise.","start":1903.495,"end":1905.355,"sentiment":"neutral","sentiment_score":0.30362995266914367},{"text":"If you find you need extra money, we can make that work for you.","start":1905.415,"end":1908.57,"sentiment":"neutral","sentiment_score":0.27935752059732166},{"text":"It's not a problem.","start":1908.57,"end":1909.63,"sentiment":"neutral","sentiment_score":0.3192934989929199},{"text":"It's more just that trying to make sure your super works for you and works as long as possible because we are taking such a large lump sum out now.","start":1909.77,"end":1917.39,"sentiment":"positive","sentiment_score":0.3418765465418498}],"sentiment":"neutral","sentiment_score":0.2672495858477695,"num_words":70,"start":1899.1749,"end":1917.39},{"sentences":[{"text":"We wanna make sure that, you know, we it still works hard for you down the track, and we get as much longevity out of your super that we possibly can.","start":1917.69,"end":1925.185,"sentiment":"neutral","sentiment_score":0.3104551564301214},{"text":"Okay.","start":1925.245,"end":1925.745,"sentiment":"neutral","sentiment_score":0.2706044912338257},{"text":"Perfect.","start":1926.765,"end":1927.265,"sentiment":"positive","sentiment_score":0.7898733615875244},{"text":"Excellent.","start":1928.2051,"end":1928.7051,"sentiment":"positive","sentiment_score":0.7835195064544678},{"text":"As I'm going through, you'll see as you're going through the pages there, there are the best interest duty, which is essentially noting how I've aligned the recommendation to your goals.","start":1929.805,"end":1939.71,"sentiment":"neutral","sentiment_score":0.30332344145544116}],"sentiment":"neutral","sentiment_score":0.32109436759581933,"num_words":65,"start":1917.69,"end":1939.71},{"sentences":[{"text":"I'll let you guys go back and have a really good read of these sections as well.","start":1940.09,"end":1943.61,"sentiment":"positive","sentiment_score":0.4650407538694494},{"text":"It's also noting advantages, disadvantages, and risks of the strategy and any additional alternatives that I've considered as part of the research for you as well.","start":1943.61,"end":1952.615,"sentiment":"neutral","sentiment_score":0.1791046399336595},{"text":"Okay?","start":1952.615,"end":1953.115,"sentiment":"neutral","sentiment_score":0.0897967666387558},{"text":"Beautiful.","start":1954.4551,"end":1954.9551,"sentiment":"positive","sentiment_score":0.6407169103622437},{"text":"There's a lot there.","start":1955.255,"end":1956.135,"sentiment":"positive","sentiment_score":0.3590332418680191}],"sentiment":"neutral","sentiment_score":0.3005930632352829,"num_words":49,"start":1940.09,"end":1956.135},{"sentences":[{"text":"Sorry.","start":1956.135,"end":1956.635,"sentiment":"neutral","sentiment_score":0.012806493788957596},{"text":"If you go down to page number 45 for me, this is essentially stage number three, and this is in September.","start":1961.3201,"end":1968.22,"sentiment":"neutral","sentiment_score":0.05588649603582564},{"text":"So this is when Carolyn turns 50 and you get to retire.","start":1968.28,"end":1971.98,"sentiment":"neutral","sentiment_score":0.11688193616767724},{"text":"Beautiful.","start":1972.68,"end":1973.18,"sentiment":"positive","sentiment_score":0.5999862551689148},{"text":"Perfect.","start":1976.105,"end":1976.605,"sentiment":"positive","sentiment_score":0.6074765920639038}],"sentiment":"neutral","sentiment_score":0.10545747199406226,"num_words":36,"start":1956.135,"end":1976.605},{"sentences":[{"text":"So in the last conversation, we talked about how you also both wanted to buy that hybrid caravan.","start":1976.665,"end":1982.125,"sentiment":"neutral","sentiment_score":0.22233522145284546},{"text":"Weren't really sure on how much it was gonna cost, but the hybrid hybrid caravan is a goal so you can both just enjoy your retirement years and travel a little bit and go away.","start":1982.665,"end":1993.34,"sentiment":"positive","sentiment_score":0.422461228285517},{"text":"One of the things that you wanted to originally do was to draw down all of your super to be able pay off the mortgage, but that will all be covered with Neil's drawdown, so you won't have that expense.","start":1994.28,"end":2003.975,"sentiment":"neutral","sentiment_score":0.13961560782045127},{"text":"I have looked at drawing down all of it versus some of it.","start":2004.595,"end":2008.295,"sentiment":"neutral","sentiment_score":0.05357917426870419},{"text":"Drawing down if you've got about a 124,000 in there, drawing down half of it to cover caravan and give you some additional buffer money is good, but it doesn't leave enough in there to really have the growth working.","start":2008.515,"end":2021.22,"sentiment":"neutral","sentiment_score":0.18285898286849261}],"sentiment":"neutral","sentiment_score":0.22180609499448783,"num_words":146,"start":1976.665,"end":2021.22},{"sentences":[{"text":"Essentially, when you think of yeah.","start":2021.84,"end":2024.4199,"sentiment":"neutral","sentiment_score":0.04926718709369501},{"text":"So when you sort of think about having money invested, if you have, say, 50,000 invested and you get a 5% return, that 5% return is much smaller on 50,000 than it would be on, say, 2 or $500,000.","start":2024.72,"end":2039.3551,"sentiment":"neutral","sentiment_score":-0.08423640956290257},{"text":"So having a smaller balance left in there, whilst it still does receive an interest it still does grow and still does receive, you know, the returns, it's still it's gonna be lower and it's gonna be slower growth.","start":2039.3551,"end":2052.8901,"sentiment":"neutral","sentiment_score":-0.25921688973903656},{"text":"You're still paying fees for having the account open.","start":2052.8901,"end":2055.71,"sentiment":"negative","sentiment_score":-0.4716698494222429},{"text":"And with no contributions there, you do risk the balance being eaten away.","start":2056.035,"end":2060.2148,"sentiment":"negative","sentiment_score":-0.5615658805920527}],"sentiment":"neutral","sentiment_score":-0.23249491172368233,"num_words":106,"start":2021.84,"end":2060.2148},{"sentences":[{"text":"So what I am recommending and what I've looked at doing for you is just suggesting, Caroline, at 60, we do a full withdrawal.","start":2060.595,"end":2068.295,"sentiment":"neutral","sentiment_score":0.19020950235426426},{"text":"We draw all the money from your super down to your bank account for you.","start":2068.355,"end":2072.3901,"sentiment":"neutral","sentiment_score":0.2650696635246277},{"text":"You can utilize the funds to purchase your caravan.","start":2072.3901,"end":2075.2102,"sentiment":"positive","sentiment_score":0.43660768535402084},{"text":"And then, essentially, with what's left over, you can supplement and keep as a buffer so that you can cover that $600 per week income that you guys will be needing over the next twelve months.","start":2075.9102,"end":2088.615,"sentiment":"positive","sentiment_score":0.35606229305267334},{"text":"You essentially only need to keep about 31,200 aside available to cover that $600 per week, and that gives you both your regular income as per your goals.","start":2088.755,"end":2099.815,"sentiment":"positive","sentiment_score":0.43822210494961056}],"sentiment":"positive","sentiment_score":0.33534824701824356,"num_words":112,"start":2060.595,"end":2099.815},{"sentences":[{"text":"And then the rest of the money can essentially be used to put towards a caravan or a bit of buffer or a holiday or a new car or whatever it is that you decide you want at a time.","start":2100.44,"end":2110.5398,"sentiment":"positive","sentiment_score":0.4074544321745634},{"text":"Yeah.","start":2112.905,"end":2113.405,"sentiment":"neutral","sentiment_score":0.02844575047492981},{"text":"Yeah.","start":2113.785,"end":2114.285,"sentiment":"neutral","sentiment_score":0.02187628857791424},{"text":"The other reef yeah.","start":2114.825,"end":2117.405,"sentiment":"neutral","sentiment_score":-0.1856275610625744},{"text":"That's exactly right.","start":2119.545,"end":2121.005,"sentiment":"neutral","sentiment_score":0.20546327034632364}],"sentiment":"neutral","sentiment_score":0.33106895699640926,"num_words":49,"start":2100.44,"end":2121.005},{"sentences":[{"text":"Yeah.","start":2121.065,"end":2121.465,"sentiment":"neutral","sentiment_score":0.2336038500070572},{"text":"That's exactly right.","start":2121.465,"end":2122.7449,"sentiment":"positive","sentiment_score":0.42954085270563763},{"text":"So it does work out better just to take it out.","start":2122.7449,"end":2125.065,"sentiment":"neutral","sentiment_score":0.26721465858546173},{"text":"The other thing I looked at is because we are taking out such a large lump sum from Neil's Super at the moment, it does reduce your super down to an expected about a 160,000.","start":2125.065,"end":2134.9202,"sentiment":"neutral","sentiment_score":0.028916625678539275},{"text":"And you're still only 61, 62 this year, so you still do have a lot of living to do and a long time in retirement there.","start":2135.3801,"end":2142.2002,"sentiment":"neutral","sentiment_score":0.12028072043680228}],"sentiment":"neutral","sentiment_score":0.11317063529828661,"num_words":76,"start":2121.065,"end":2142.2002},{"sentences":[{"text":"An alternative strategy I have looked at is when we know how much you have left over, once you bought your caravan or once you've worked out how much you need for the caravan and we've maybe set aside some of that 31,200 income for you, We can also then look at what you have available and maybe do a one off contribution back into Neil's Super.","start":2142.705,"end":2163.63,"sentiment":"neutral","sentiment_score":0.11685437870337002},{"text":"We can always update the strategy, roll you back into Super, put some more money in, and then roll you back into pension and relook at the strategy then and see if gives you further longevity.","start":2164.01,"end":2173.4248,"sentiment":"neutral","sentiment_score":0.22268507671025065},{"text":"I've discounted yeah.","start":2174.525,"end":2176.525,"sentiment":"neutral","sentiment_score":0.130138598382473},{"text":"So I've discounted that now because we don't know how much you need for the caravan.","start":2176.525,"end":2180.305,"sentiment":"neutral","sentiment_score":0.09713020548224449},{"text":"It is best to kind of work out what your goals are, what you wanted to to happen with the funds first, and then see what you have left over.","start":2181.405,"end":2189.49,"sentiment":"neutral","sentiment_score":0.2202107032140096}],"sentiment":"neutral","sentiment_score":0.16050477838143706,"num_words":152,"start":2142.705,"end":2189.49},{"sentences":[{"text":"But it is definitely worthwhile, especially with the volatility.","start":2190.03,"end":2192.69,"sentiment":"positive","sentiment_score":0.5098986493216621},{"text":"I mean, you can't kinda get away from the news at the moment, and we've seen the ups and downs in the market with what Trump's doing with what's happening.","start":2192.83,"end":2199.65,"sentiment":"neutral","sentiment_score":-0.0444307545820872},{"text":"And every invest every investment portfolio has had those ups and downs.","start":2199.95,"end":2207.0452,"sentiment":"neutral","sentiment_score":-0.07853218168020248},{"text":"Even in a balanced environment, conservative environment, you still do see some ups and downs.","start":2207.0452,"end":2213.46,"sentiment":"neutral","sentiment_score":0.0025537749131520587},{"text":"It is limited by taking less risk in the market, but the ups and downs are still expected.","start":2213.46,"end":2218.1199,"sentiment":"neutral","sentiment_score":-0.07168248254391882}],"sentiment":"neutral","sentiment_score":0.0126404876687697,"num_words":84,"start":2190.03,"end":2218.1199},{"sentences":[{"text":"So by having that 31,200 sitting in the bank account, it's giving you a bit of a buffer for twelve months so we don't have to then access Neil's super, and it's meaning that it can allow it to go through its ups and downs.","start":2218.18,"end":2231.335,"sentiment":"neutral","sentiment_score":0.26945552561018205},{"text":"We're not taking money out to cement losses at a downtime.","start":2231.335,"end":2234.555,"sentiment":"neutral","sentiment_score":-0.15754025090824475},{"text":"We're just giving it twelve months to kind of recuperate and start to grow and see where it needs to go from there.","start":2234.935,"end":2241.9,"sentiment":"positive","sentiment_score":0.3338828093331793},{"text":"And you have your first year's worth of income payments sitting nice and safely in your bank account where it's not gonna dwindle away.","start":2242.46,"end":2249.44,"sentiment":"positive","sentiment_score":0.4817709835867087},{"text":"Okay?","start":2249.5,"end":2250.0,"sentiment":"neutral","sentiment_score":0.21418529748916623}],"sentiment":"neutral","sentiment_score":0.2870052827952,"num_words":104,"start":2218.18,"end":2250.0},{"sentences":[{"text":"Yep.","start":2251.3398,"end":2251.8398,"sentiment":"positive","sentiment_score":0.3349998891353607},{"text":"Beautiful.","start":2252.14,"end":2252.64,"sentiment":"positive","sentiment_score":0.7401238083839417},{"text":"Does that make sense?","start":2252.7,"end":2253.5798,"sentiment":"positive","sentiment_score":0.48483335971832275},{"text":"Do you have any questions so far?","start":2253.5798,"end":2255.18,"sentiment":"neutral","sentiment_score":0.14730059461934225},{"text":"You're welcome to ask me if you do.","start":2255.18,"end":2257.1199,"sentiment":"neutral","sentiment_score":0.2712819806765765}],"sentiment":"neutral","sentiment_score":0.29599129257812384,"num_words":21,"start":2251.3398,"end":2257.1199},{"sentences":[{"text":"You absolutely can.","start":2267.965,"end":2269.165,"sentiment":"positive","sentiment_score":0.7211328546206156},{"text":"Yeah.","start":2269.165,"end":2269.485,"sentiment":"positive","sentiment_score":0.4680306315422058},{"text":"Definitely.","start":2269.485,"end":2269.985,"sentiment":"positive","sentiment_score":0.5180675387382507},{"text":"So if it's if you get to 60 carol and you decide you don't wanna buy a caravan right now, you just wanna leave your super in the account, that's absolutely fine.","start":2270.125,"end":2279.26,"sentiment":"neutral","sentiment_score":0.1006432471331209},{"text":"We'll just leave it sitting in the account.","start":2279.64,"end":2281.58,"sentiment":"neutral","sentiment_score":0.30592500790953636}],"sentiment":"neutral","sentiment_score":0.19594401568174363,"num_words":45,"start":2267.965,"end":2281.58},{"sentences":[{"text":"We can also talk about even withdrawing it and putting it in with Neil's.","start":2282.12,"end":2285.5,"sentiment":"neutral","sentiment_score":0.20593869792563574},{"text":"There's lots of other strategies that we can talk about, lots of other research that we can do.","start":2285.7449,"end":2290.325,"sentiment":"neutral","sentiment_score":0.17668861978583866},{"text":"But if you get to September and you go, hey.","start":2291.105,"end":2293.1848,"sentiment":"neutral","sentiment_score":-0.025464442558586597},{"text":"Look.","start":2293.1848,"end":2293.345,"sentiment":"neutral","sentiment_score":-0.061837852001190186},{"text":"I probably don't want this yet.","start":2293.345,"end":2294.9448,"sentiment":"neutral","sentiment_score":-0.3050703356663386}],"sentiment":"neutral","sentiment_score":0.07993127827589609,"num_words":49,"start":2282.12,"end":2294.9448},{"sentences":[{"text":"Let's say you look at putting it all into Neil's or half into Neil's or, you know, what we need to maybe do, we can do that for you.","start":2294.9448,"end":2303.3298,"sentiment":"neutral","sentiment_score":0.0567578383930156},{"text":"Yeah.","start":2303.95,"end":2304.45,"sentiment":"neutral","sentiment_score":0.2219071984291077},{"text":"Absolutely.","start":2309.15,"end":2309.65,"sentiment":"positive","sentiment_score":0.3966607451438904},{"text":"More money definitely makes more money.","start":2309.8699,"end":2311.95,"sentiment":"positive","sentiment_score":0.4175977110862732},{"text":"Absolutely.","start":2311.95,"end":2312.45,"sentiment":"positive","sentiment_score":0.3977563381195069}],"sentiment":"neutral","sentiment_score":0.13599704898967357,"num_words":38,"start":2294.9448,"end":2312.45},{"sentences":[{"text":"So we can look at doing that for you down the track.","start":2312.75,"end":2315.145,"sentiment":"positive","sentiment_score":0.3843668724099795},{"text":"If we look at doing that, I will wanna look at, you know, what we need to do to make sure that you guys are then receiving income.","start":2315.625,"end":2322.5051,"sentiment":"neutral","sentiment_score":0.20131460577249527},{"text":"So maybe putting it into Neil's Super and looking at income draw downs from that to see what that looks like for you.","start":2322.5051,"end":2328.5498,"sentiment":"neutral","sentiment_score":0.1856211482182793},{"text":"I would compare that with keeping it in your account and drawing income from your account and holding his.","start":2328.5498,"end":2333.69,"sentiment":"neutral","sentiment_score":0.12331928312778473},{"text":"But I can do all that research down the track.","start":2334.0698,"end":2336.73,"sentiment":"neutral","sentiment_score":0.20928356051445007}],"sentiment":"neutral","sentiment_score":0.2060260850450267,"num_words":92,"start":2312.75,"end":2336.73},{"sentences":[{"text":"There's no, yeah, there's no requirement for you to make the decision now.","start":2337.3499,"end":2342.325,"sentiment":"neutral","sentiment_score":0.17847973566788894},{"text":"You can wait till September and we have another catch up and you go, hey.","start":2342.325,"end":2345.5251,"sentiment":"neutral","sentiment_score":0.09229962962369125},{"text":"Well, maybe I don't want this.","start":2345.5251,"end":2346.965,"sentiment":"neutral","sentiment_score":-0.1566807652513186},{"text":"Maybe I, you know, do want this.","start":2346.965,"end":2348.645,"sentiment":"neutral","sentiment_score":-0.08713917540652412},{"text":"Or if Neil decides he's a bit bored with being retired and wants to go back to work and, you know, doesn't need to draw down from his super, we can look at what strategies there are in place, and I can do all the additional research and update the strategy for you guys.","start":2348.645,"end":2362.53,"sentiment":"neutral","sentiment_score":0.08408130512193397}],"sentiment":"neutral","sentiment_score":0.07047434384493452,"num_words":95,"start":2337.3499,"end":2362.53},{"sentences":[{"text":"Okay?","start":2362.67,"end":2363.17,"sentiment":"neutral","sentiment_score":0.01842637173831463},{"text":"Yeah.","start":2369.0852,"end":2369.5852,"sentiment":"neutral","sentiment_score":0.00629008561372757},{"text":"Yeah.","start":2369.725,"end":2370.225,"sentiment":"neutral","sentiment_score":0.002123156562447548},{"text":"Yeah.","start":2372.685,"end":2373.185,"sentiment":"neutral","sentiment_score":-0.05616767704486847},{"text":"No.","start":2377.165,"end":2377.405,"sentiment":"neutral","sentiment_score":-0.2446058690547943}],"sentiment":"neutral","sentiment_score":-0.05478678643703461,"num_words":5,"start":2362.67,"end":2377.405},{"sentences":[{"text":"One or the other.","start":2377.405,"end":2378.3652,"sentiment":"neutral","sentiment_score":-0.18014641106128693},{"text":"Hey.","start":2378.3652,"end":2378.8652,"sentiment":"neutral","sentiment_score":-0.1620335578918457},{"text":"Yeah.","start":2380.37,"end":2380.87,"sentiment":"neutral","sentiment_score":-0.09588723629713058},{"text":"Yeah.","start":2382.69,"end":2383.19,"sentiment":"neutral","sentiment_score":-0.07418210804462433},{"text":"Yeah.","start":2386.61,"end":2386.69,"sentiment":"neutral","sentiment_score":-0.0355207622051239}],"sentiment":"neutral","sentiment_score":-0.13602616358548403,"num_words":8,"start":2377.405,"end":2386.69},{"sentences":[{"text":"Yeah.","start":2386.69,"end":2387.19,"sentiment":"neutral","sentiment_score":-0.03732302412390709},{"text":"Yeah.","start":2391.73,"end":2392.23,"sentiment":"neutral","sentiment_score":0.006001702509820461},{"text":"Mhmm.","start":2394.825,"end":2395.325,"sentiment":"neutral","sentiment_score":-0.006571109406650066},{"text":"Yeah.","start":2397.7852,"end":2398.2852,"sentiment":"neutral","sentiment_score":0.008832624182105064},{"text":"Yeah.","start":2409.8,"end":2410.2,"sentiment":"neutral","sentiment_score":-0.032001301646232605}],"sentiment":"neutral","sentiment_score":-0.012212221696972846,"num_words":5,"start":2386.69,"end":2410.2},{"sentences":[{"text":"Yeah.","start":2410.2,"end":2410.68,"sentiment":"neutral","sentiment_score":-0.018867669627070427},{"text":"Yeah.","start":2410.68,"end":2411.18,"sentiment":"neutral","sentiment_score":-0.010715292766690254},{"text":"Understandable.","start":2411.3198,"end":2411.8198,"sentiment":"neutral","sentiment_score":-0.004078475292772055},{"text":"It's definitely taken a bit of a hit over the past couple of months.","start":2412.52,"end":2416.1199,"sentiment":"negative","sentiment_score":-0.44367880853159086},{"text":"That's for sure.","start":2416.1199,"end":2417.0999,"sentiment":"neutral","sentiment_score":-0.28334012627601624}],"sentiment":"negative","sentiment_score":-0.3547592567978427,"num_words":20,"start":2410.2,"end":2417.0999},{"sentences":[{"text":"Yeah.","start":2418.5999,"end":2419.0999,"sentiment":"neutral","sentiment_score":-0.005664464086294174},{"text":"Yeah.","start":2422.205,"end":2422.705,"sentiment":"neutral","sentiment_score":0.0008145533502101898},{"text":"Yeah.","start":2422.925,"end":2423.425,"sentiment":"neutral","sentiment_score":-0.006035897880792618},{"text":"No.","start":2424.125,"end":2424.365,"sentiment":"neutral","sentiment_score":-0.016043737530708313},{"text":"Add.","start":2424.365,"end":2424.865,"sentiment":"neutral","sentiment_score":0.0462699793279171}],"sentiment":"neutral","sentiment_score":0.0038680866360664367,"num_words":5,"start":2418.5999,"end":2424.865},{"sentences":[{"text":"Yeah.","start":2426.365,"end":2426.685,"sentiment":"neutral","sentiment_score":0.05538329482078552},{"text":"But now look have a look through the the advantages, disadvantages.","start":2426.685,"end":2429.665,"sentiment":"neutral","sentiment_score":-0.01705983179536733},{"text":"Have a talk about what you wanna do.","start":2430.2852,"end":2431.965,"sentiment":"neutral","sentiment_score":0.10535909980535507},{"text":"As I said, if you sign this and we start implementing the stages and you get to one, you go, hey.","start":2431.965,"end":2437.88,"sentiment":"neutral","sentiment_score":0.06070095229716528},{"text":"I don't wanna do that.","start":2437.88,"end":2438.92,"sentiment":"neutral","sentiment_score":-0.24360182881355286}],"sentiment":"neutral","sentiment_score":0.016680626036680263,"num_words":46,"start":2426.365,"end":2438.92},{"sentences":[{"text":"It's completely fluid.","start":2438.92,"end":2440.04,"sentiment":"neutral","sentiment_score":0.0018346652699013574},{"text":"We can stop the advice.","start":2440.04,"end":2441.32,"sentiment":"neutral","sentiment_score":-0.0297907792031765},{"text":"I can go back to the drawing board.","start":2441.32,"end":2442.84,"sentiment":"neutral","sentiment_score":0.08269855100661516},{"text":"I can talk to you about what your new goals are.","start":2442.84,"end":2445.1,"sentiment":"neutral","sentiment_score":0.22680017893964594},{"text":"I can do additional research on the different options and come back with a different strategy and change the strategy.","start":2445.24,"end":2450.415,"sentiment":"neutral","sentiment_score":0.17149248383939267}],"sentiment":"neutral","sentiment_score":0.1370806415525681,"num_words":47,"start":2438.92,"end":2450.415},{"sentences":[{"text":"So all of this is fluid and liquid and can be changed every couple of weeks, every couple of months, every couple of days if you wanted to.","start":2450.415,"end":2457.2952,"sentiment":"neutral","sentiment_score":0.16718460246920586},{"text":"So I just sort of sat down and worked out what your goals are now, what you both told me you wanted to achieve, and this is how we achieve that now.","start":2457.2952,"end":2466.43,"sentiment":"positive","sentiment_score":0.3614676035940647},{"text":"And then we can always change it down the track because, I mean, when we spoke in January and even a few weeks back, fuel wasn't as crazy.","start":2467.45,"end":2474.8901,"sentiment":"neutral","sentiment_score":0.09106347470411233},{"text":"It has.","start":2474.8901,"end":2475.55,"sentiment":"neutral","sentiment_score":-0.06568993255496025},{"text":"It then kinda got really expensive and then really cheap, and then everything's still gotten really expensive, and there's still a lot of volatility out there.","start":2475.965,"end":2483.405,"sentiment":"negative","sentiment_score":-0.4281751845891659}],"sentiment":"neutral","sentiment_score":0.06494805871926505,"num_words":116,"start":2450.415,"end":2483.405},{"sentences":[{"text":"So there's a lot going on.","start":2483.405,"end":2485.745,"sentiment":"neutral","sentiment_score":-0.24606243769327799},{"text":"Yeah.","start":2488.8599,"end":2489.3599,"sentiment":"neutral","sentiment_score":0.1159280464053154},{"text":"Yeah.","start":2489.8198,"end":2490.22,"sentiment":"neutral","sentiment_score":-0.017802614718675613},{"text":"But no yeah.","start":2490.22,"end":2492.1199,"sentiment":"neutral","sentiment_score":-0.21757170061270395},{"text":"Yep.","start":2492.6199,"end":2493.1199,"sentiment":"neutral","sentiment_score":-0.03232681751251221}],"sentiment":"neutral","sentiment_score":-0.171940926151971,"num_words":12,"start":2483.405,"end":2493.1199},{"sentences":[{"text":"Absolutely.","start":2496.46,"end":2496.96,"sentiment":"positive","sentiment_score":0.3473784923553467},{"text":"Absolutely.","start":2497.3398,"end":2497.8198,"sentiment":"neutral","sentiment_score":0.3150200843811035},{"text":"What I probably would like to do with you both, if you're comfortable, you can sign and take on the advice now.","start":2497.8198,"end":2503.2148,"sentiment":"neutral","sentiment_score":0.3147364658388225},{"text":"And then what we'll do is, Neil, we'll do your switch in the account, and then I can book you in for a bit of a catch up, say, the week of the June 20.","start":2503.2148,"end":2511.1548,"sentiment":"neutral","sentiment_score":0.2100603942360197},{"text":"We can do a bit of a catch up that night and say, hey.","start":2511.375,"end":2513.775,"sentiment":"neutral","sentiment_score":0.19045601625527656}],"sentiment":"neutral","sentiment_score":0.2411657376852754,"num_words":73,"start":2496.46,"end":2513.775},{"sentences":[{"text":"What's happening?","start":2513.775,"end":2514.49,"sentiment":"neutral","sentiment_score":0.05595019832253456},{"text":"You know, you're due to retire.","start":2514.49,"end":2515.87,"sentiment":"neutral","sentiment_score":0.1310883810122808},{"text":"We can work out when your contribution is, make sure you're comfortable proceeding there.","start":2516.01,"end":2520.51,"sentiment":"neutral","sentiment_score":0.20014499021427973},{"text":"And then just before your sixtieth birthday, Caroline, we can always do another catch up then, and we can work out, you know, what you wanna do, how you wanna proceed, and we can update the advice as you need to.","start":2520.73,"end":2531.585,"sentiment":"neutral","sentiment_score":0.1597194195520587},{"text":"Okay?","start":2531.585,"end":2532.085,"sentiment":"neutral","sentiment_score":0.11558198928833008}],"sentiment":"neutral","sentiment_score":0.16194591776002198,"num_words":64,"start":2513.775,"end":2532.085},{"sentences":[{"text":"Yeah.","start":2534.625,"end":2535.125,"sentiment":"positive","sentiment_score":0.5210182666778564},{"text":"Perfect.","start":2535.345,"end":2535.845,"sentiment":"positive","sentiment_score":0.6757708787918091},{"text":"So you'll have a bit of reading through those couple strategies there.","start":2537.745,"end":2542.42,"sentiment":"neutral","sentiment_score":0.2358116569618384},{"text":"Because with this strategy, Neil, we're not looking to withdraw anything out of your super as of yet.","start":2542.48,"end":2548.66,"sentiment":"neutral","sentiment_score":-0.01014998203350438},{"text":"I would wanna, at the moment, with the current strategy, hold off until the 07/01/2027, in which point we would start to then draw down that regular income of $600 per week.","start":2549.2798,"end":2561.085,"sentiment":"neutral","sentiment_score":0.04778482636902481}],"sentiment":"neutral","sentiment_score":0.08395224681589752,"num_words":64,"start":2534.625,"end":2561.085},{"sentences":[{"text":"One thing I wanted to show you was if you go down to page number 50 for me, and this is why it might be important to maybe revisit the strategy in September there for you, Caroline, is that given the current balance with where we'd expect you to be at July 2027 given the projection amount, if you're then withdrawing $600 per week, which meets the minimum requirement, it does actually show that your super is only gonna realistically last about seven years.","start":2561.385,"end":2592.305,"sentiment":"neutral","sentiment_score":0.19393326639242114},{"text":"So if we can look at other ways to boost super, maybe put some more money back in after the withdrawal, There are it's definitely all the strategies I would like to make, but I wanted to show you we can meet your goal here.","start":2593.005,"end":2606.6802,"sentiment":"positive","sentiment_score":0.43495275477568307},{"text":"It does then reduce the longevity of your super.","start":2607.3,"end":2610.4402,"sentiment":"neutral","sentiment_score":0.3257437315252092},{"text":"But then also in six years, you're eligible for Centrelink.","start":2611.06,"end":2613.9602,"sentiment":"positive","sentiment_score":0.3429612159729004},{"text":"So you would essentially be able to retire now and then use up most of your super and end up on Centrelink, but then it does only mean you've got Centrelink from there on out, which can Centrelink doesn't always cover everyone's living expenses.","start":2614.065,"end":2628.1199,"sentiment":"neutral","sentiment_score":0.1757277071645314}],"sentiment":"neutral","sentiment_score":0.26019058958627284,"num_words":192,"start":2561.385,"end":2628.1199},{"sentences":[{"text":"It's not meant as an income replacement, and it often often does leave people just on or just around the poverty line there.","start":2628.1199,"end":2636.92,"sentiment":"negative","sentiment_score":-0.33334398140078003},{"text":"So it's not preferable.","start":2636.92,"end":2638.14,"sentiment":"negative","sentiment_score":-0.5119408220052719},{"text":"If, you know, after June, July, you tell me you're gonna go back to work, that's fine.","start":2639.4,"end":2644.4949,"sentiment":"neutral","sentiment_score":-0.15819058246801004},{"text":"I'll redo a strategy, and we'll work out what we do, you know, moving forward for you.","start":2644.4949,"end":2649.615,"sentiment":"neutral","sentiment_score":0.2662063407547334},{"text":"So this is just what we do now to help you meet the goals that you that we've got, but this is also the the expected outcome based on that those recommendations.","start":2649.615,"end":2659.91,"sentiment":"positive","sentiment_score":0.4619075059890747}],"sentiment":"neutral","sentiment_score":0.07422186260522214,"num_words":93,"start":2628.1199,"end":2659.91},{"sentences":[{"text":"And I wanted to be honest with you, it does show that realistically about seven years in your super won't be there anymore, and we will have to rely solely on settling down the track.","start":2660.6099,"end":2672.15,"sentiment":"neutral","sentiment_score":0.13370740251349553},{"text":"Okay?","start":2672.21,"end":2672.71,"sentiment":"neutral","sentiment_score":0.2006446123123169},{"text":"Oh, good.","start":2674.885,"end":2675.785,"sentiment":"positive","sentiment_score":0.5291756987571716},{"text":"But you do have all those strategies in there for you to read over the advantages, the disadvantages, the risks involved, any alternatives I've looked at for you guys.","start":2676.2449,"end":2686.9849,"sentiment":"neutral","sentiment_score":0.147177474765942},{"text":"And one thing I would like to do is because at this point with this recommendation and I would like you no matter what we do, but when we move you into an account based pension, if you go down to page number 58 for me, it's actually recommended that we set up a beneficiary a different way.","start":2688.1648,"end":2708.685,"sentiment":"neutral","sentiment_score":0.08061201215304177}],"sentiment":"neutral","sentiment_score":0.11905918856710196,"num_words":125,"start":2660.6099,"end":2708.685},{"sentences":[{"text":"So there are different types of beneficiary nominations that we can set up.","start":2708.685,"end":2713.245,"sentiment":"neutral","sentiment_score":0.09515395559943639},{"text":"You have a non lapsing oh, sorry.","start":2713.245,"end":2715.165,"sentiment":"neutral","sentiment_score":0.09405148667948586},{"text":"A nonbinding, which basically means that you file the nomination and the trustee decides what they what they're gonna do with the money.","start":2715.165,"end":2722.13,"sentiment":"neutral","sentiment_score":0.10381759784143904},{"text":"You have a binding nomination which binds the trustee.","start":2722.67,"end":2725.57,"sentiment":"neutral","sentiment_score":0.1169142367111312},{"text":"But then when you're in pension phase, you have what's called a reversionary.","start":2725.95,"end":2729.17,"sentiment":"neutral","sentiment_score":0.08890214046606651}],"sentiment":"neutral","sentiment_score":0.09986342363632643,"num_words":65,"start":2708.685,"end":2729.17},{"sentences":[{"text":"I am going to recommend, and I like this whenever there is a pension account, and I think it's really important for you guys moving forward even if we, you know, roll back or make changes to the strategy.","start":2730.75,"end":2742.505,"sentiment":"positive","sentiment_score":0.5200079499911039},{"text":"For yourself, Neil, whenever you do have a pension account, we do set up a reversionary beneficiary.","start":2743.4448,"end":2748.425,"sentiment":"neutral","sentiment_score":0.2646456711432513},{"text":"Because what this essentially means is that if you were to pass away and you were in pension phase, if Carolyn didn't have much super or if we end up moving all of her super, whether it paid to the bank account or whether it go into your account to sort of grow together, she won't have any kinda income coming out.","start":2749.18,"end":2769.8352,"sentiment":"neutral","sentiment_score":0.015319012045379608},{"text":"And when you have a binding nomination form, if you were to pass away and she didn't have any super there, it essentially means that she has to go through a claims process to get the money, and the pension payments actually stop.","start":2770.0552,"end":2782.9001,"sentiment":"neutral","sentiment_score":-0.06339201660350312},{"text":"By having this reversionary beneficiary, it would mean that if you're in pension and say $600 is coming out of that pension every week and going to your bank account and you then pass away, that $600 continues to be paid to Carolyn.","start":2783.36,"end":2797.515,"sentiment":"neutral","sentiment_score":0.01973954090025536}],"sentiment":"neutral","sentiment_score":0.11692161152285396,"num_words":204,"start":2730.75,"end":2797.515},{"sentences":[{"text":"It does not stop.","start":2797.655,"end":2798.875,"sentiment":"neutral","sentiment_score":0.046213703230023384},{"text":"And that essentially means that the pension continues, which does not give her any income payments, which can be really important at that sort of time frame as well.","start":2799.095,"end":2808.47,"sentiment":"neutral","sentiment_score":0.10588608091247492},{"text":"So I do wanna make sure that no matter what strategy we have, that we do always have access to and have applied a reversionary beneficiary to make sure that if anything did happen to you, haven't it been, I'd love it if nothing happens and you get through this retirement years and you enjoy yourself immensely.","start":2809.25,"end":2826.5552,"sentiment":"positive","sentiment_score":0.3803895183822565},{"text":"But if anything was to happen, that we are protecting Caroline and making sure that those income payments do continue.","start":2827.175,"end":2833.98,"sentiment":"neutral","sentiment_score":0.28480395302176476},{"text":"Yeah.","start":2834.28,"end":2834.6,"sentiment":"neutral","sentiment_score":0.19149775803089145}],"sentiment":"neutral","sentiment_score":0.2777056804111412,"num_words":111,"start":2797.655,"end":2834.6},{"sentences":[{"text":"Does that make sense?","start":2834.6,"end":2835.6602,"sentiment":"neutral","sentiment_score":0.22346610575914383},{"text":"Yeah.","start":2837.48,"end":2837.96,"sentiment":"neutral","sentiment_score":0.30305740237236023},{"text":"It's just one thing that I do like about the pension stage.","start":2837.96,"end":2841.1,"sentiment":"positive","sentiment_score":0.39507940163215},{"text":"It's something that I try to make sure is implemented no matter what.","start":2841.24,"end":2845.9001,"sentiment":"positive","sentiment_score":0.4152142107486725},{"text":"I do think it's especially with the, you know, the cost of living and the way everything is.","start":2846.415,"end":2851.2952,"sentiment":"neutral","sentiment_score":0.3048041843705707}],"sentiment":"positive","sentiment_score":0.3504611396541198,"num_words":48,"start":2834.6,"end":2851.2952},{"sentences":[{"text":"But even at that point in time when someone's passed away, there's often other expenses, family coming to town, you know, lots of food to buy, and there's lots of expenses going out everywhere.","start":2851.2952,"end":2861.0698,"sentiment":"neutral","sentiment_score":0.03249576315283775},{"text":"So continuing those pension payments does does become quite an important aspect, and it's something that not a lot of people know about what a reversionary beneficiary is, but it's one thing that I kind of wanted to make sure that you were aware about and that no matter what we do, we always provide this level of protection with Carolyn because all of these strategies seem to be where Carolyn's super either gets drawn out to buy a caravan to cover the income payments in the banking account or goes into your Super.","start":2861.0698,"end":2892.65,"sentiment":"neutral","sentiment_score":0.1901750881621178},{"text":"No matter what we do with that money, it makes it so she no longer has any Super there.","start":2892.65,"end":2897.21,"sentiment":"neutral","sentiment_score":0.042805423665987816},{"text":"So making sure she is protected long term and is able to draw income no matter the scenario puts a protection in place for both of you, but also for Carol and down the track there as well.","start":2897.21,"end":2909.375,"sentiment":"neutral","sentiment_score":0.17498906525342087},{"text":"Does that make sense?","start":2909.375,"end":2910.4348,"sentiment":"neutral","sentiment_score":0.13286498375236988}],"sentiment":"neutral","sentiment_score":0.14272836877634285,"num_words":189,"start":2851.2952,"end":2910.4348},{"sentences":[{"text":"Yeah.","start":2912.4148,"end":2912.9148,"sentiment":"neutral","sentiment_score":0.2601090669631958},{"text":"Perfect.","start":2913.055,"end":2913.555,"sentiment":"positive","sentiment_score":0.476810097694397},{"text":"Now there is a lot there, and I completely understand.","start":2913.775,"end":2916.755,"sentiment":"neutral","sentiment_score":0.1670806184411049},{"text":"I always try to go through it as easily as possible, but there is a lot to go through, especially on the phone.","start":2918.1748,"end":2926.81,"sentiment":"neutral","sentiment_score":-0.07851171396348787},{"text":"So I will let you guys go back now.","start":2927.51,"end":2929.91,"sentiment":"neutral","sentiment_score":0.07453045000632604}],"sentiment":"neutral","sentiment_score":0.02892568131739443,"num_words":44,"start":2912.4148,"end":2929.91},{"sentences":[{"text":"Have a really good read of it page by page.","start":2929.91,"end":2932.15,"sentiment":"neutral","sentiment_score":0.2873807031661272},{"text":"Let me know if you do happen to have any questions there.","start":2932.15,"end":2934.81,"sentiment":"neutral","sentiment_score":0.11350683681666851},{"text":"If you decide you just wanna sign this and we start implementing it and we do catch ups down the track at all the stages, that's absolutely fine.","start":2935.565,"end":2944.2249,"sentiment":"positive","sentiment_score":0.45455261319875717},{"text":"If you decide right now there's something that you don't wanna go ahead with, that's absolutely fine.","start":2945.2449,"end":2950.83,"sentiment":"neutral","sentiment_score":0.11951052090700935},{"text":"On the very last page, we've actually got a text box for you.","start":2951.1301,"end":2955.55,"sentiment":"neutral","sentiment_score":0.11938578234269069}],"sentiment":"neutral","sentiment_score":0.2568382033612579,"num_words":80,"start":2929.91,"end":2955.55},{"sentences":[{"text":"So I believe it's down on page number 75.","start":2955.85,"end":2959.77,"sentiment":"neutral","sentiment_score":0.07378780013985103},{"text":"There should be a little text box there.","start":2959.77,"end":2961.87,"sentiment":"neutral","sentiment_score":0.07639263849705458},{"text":"If there's any section of the strategy that you don't wanna take on board, you just write in the text box that you don't wish to take on this section or this strategy.","start":2962.185,"end":2971.725,"sentiment":"neutral","sentiment_score":-0.007060428996655074},{"text":"You wanna change something.","start":2972.185,"end":2973.5452,"sentiment":"neutral","sentiment_score":0.059554221108555794},{"text":"You just write it in there.","start":2973.5452,"end":2975.0051,"sentiment":"neutral","sentiment_score":0.10226413855950038}],"sentiment":"neutral","sentiment_score":0.03156731446894507,"num_words":60,"start":2955.85,"end":2975.0051},{"sentences":[{"text":"If you're happy just to take all the recommendations for now, we'll get you to sign and return it back.","start":2975.2,"end":2980.26,"sentiment":"positive","sentiment_score":0.4622182801365852},{"text":"And I'll make sure that at June, Neil, we do a catch up.","start":2980.8,"end":2984.4001,"sentiment":"neutral","sentiment_score":0.2088514004762356},{"text":"We talk about where you're at retirement wise, and then we can always do a catch up afterwards if you'd like to.","start":2984.4001,"end":2990.095,"sentiment":"neutral","sentiment_score":0.15758962759917433},{"text":"And then Caroline, before you retire, we'll do a catch up there as well.","start":2990.095,"end":2993.535,"sentiment":"neutral","sentiment_score":0.1488276326230594},{"text":"So we get we give you those opportunities to change the strategy and make sure that we're evolving it as the year goes on because a lot can happen in a month, a lot can in six months.","start":2993.535,"end":3003.75,"sentiment":"neutral","sentiment_score":0.1812845897909842}],"sentiment":"neutral","sentiment_score":0.22802623256901713,"num_words":107,"start":2975.2,"end":3003.75},{"sentences":[{"text":"You just never know what what could happen.","start":3003.75,"end":3005.85,"sentiment":"neutral","sentiment_score":-0.11556074721738696},{"text":"Yeah.","start":3012.07,"end":3012.57,"sentiment":"neutral","sentiment_score":-0.04624390602111816},{"text":"Beautiful.","start":3032.87,"end":3033.37,"sentiment":"positive","sentiment_score":0.44872891902923584},{"text":"Beautiful.","start":3033.43,"end":3033.83,"sentiment":"positive","sentiment_score":0.40129396319389343},{"text":"But is it a bit of cash in hand work, or is it full employment wise?","start":3033.83,"end":3038.07,"sentiment":"neutral","sentiment_score":-0.09697337727993727}],"sentiment":"neutral","sentiment_score":-0.06193633474133633,"num_words":27,"start":3003.75,"end":3038.07},{"sentences":[{"text":"Or Yep.","start":3038.07,"end":3040.9849,"sentiment":"neutral","sentiment_score":-0.09592634439468384},{"text":"Yeah.","start":3044.9648,"end":3045.4648,"sentiment":"neutral","sentiment_score":-0.020977573469281197},{"text":"Yeah.","start":3047.765,"end":3048.2449,"sentiment":"neutral","sentiment_score":0.053266480565071106},{"text":"Makes sense.","start":3048.2449,"end":3049.125,"sentiment":"neutral","sentiment_score":0.06070194020867348},{"text":"Yeah.","start":3049.125,"end":3049.625,"sentiment":"neutral","sentiment_score":0.05061499401926994}],"sentiment":"neutral","sentiment_score":0.0017792989632913045,"num_words":7,"start":3038.07,"end":3049.625},{"sentences":[{"text":"Yeah.","start":3050.325,"end":3050.825,"sentiment":"neutral","sentiment_score":0.09835657477378844},{"text":"No.","start":3050.9648,"end":3051.2048,"sentiment":"neutral","sentiment_score":0.1955283284187317},{"text":"That's cool.","start":3051.2048,"end":3051.845,"sentiment":"positive","sentiment_score":0.5509573519229889},{"text":"That sounds really fun.","start":3051.845,"end":3052.9648,"sentiment":"positive","sentiment_score":0.7721486836671829},{"text":"Well, we'll definitely make sure that we catch up and, you know, alter the strategy after we start it.","start":3052.9648,"end":3058.29,"sentiment":"neutral","sentiment_score":0.28837976722340836}],"sentiment":"positive","sentiment_score":0.36902258959081435,"num_words":27,"start":3050.325,"end":3058.29},{"sentences":[{"text":"So the first thing I would really like to do is just have that investment switch completed for you.","start":3058.29,"end":3063.01,"sentiment":"neutral","sentiment_score":0.30342579985919754},{"text":"And then in June, we do the pension and the drawdown.","start":3063.01,"end":3065.99,"sentiment":"neutral","sentiment_score":0.19920447062362323},{"text":"And then from there, we can do catch ups as you need it.","start":3066.615,"end":3069.655,"sentiment":"neutral","sentiment_score":0.26622796287903416},{"text":"I don't mind if you wanna catch up every two or three weeks.","start":3069.655,"end":3072.215,"sentiment":"neutral","sentiment_score":0.2133327699624575},{"text":"You tell me what you need, and I will make sure it happens for you.","start":3072.215,"end":3075.515,"sentiment":"neutral","sentiment_score":0.2864051510890325}],"sentiment":"neutral","sentiment_score":0.26037614320365476,"num_words":71,"start":3058.29,"end":3075.515},{"sentences":[{"text":"And then we can talk about what changes we need to make, what, you know, your what changes you have in your goals, and I can do all the different research required to come up with a new plan every so often.","start":3076.055,"end":3086.4202,"sentiment":"neutral","sentiment_score":0.2735629432967731},{"text":"So we just keep evolving the strategy so it works for you guys long term.","start":3086.4202,"end":3090.6,"sentiment":"positive","sentiment_score":0.38742327094078066},{"text":"Okay?","start":3090.6602,"end":3091.1602,"sentiment":"neutral","sentiment_score":0.08817803859710693},{"text":"Yeah.","start":3092.035,"end":3092.535,"sentiment":"neutral","sentiment_score":0.027211803942918777},{"text":"Yep.","start":3097.955,"end":3098.455,"sentiment":"neutral","sentiment_score":0.043979015201330185}],"sentiment":"neutral","sentiment_score":0.29100602567195893,"num_words":60,"start":3076.055,"end":3098.455},{"sentences":[{"text":"Yep.","start":3104.21,"end":3104.71,"sentiment":"neutral","sentiment_score":0.07233480364084244},{"text":"And that's absolutely fine.","start":3106.77,"end":3108.45,"sentiment":"neutral","sentiment_score":0.14038312062621117},{"text":"Yeah.","start":3108.45,"end":3108.77,"sentiment":"neutral","sentiment_score":0.04951817169785499},{"text":"No.","start":3108.77,"end":3109.01,"sentiment":"neutral","sentiment_score":-0.0241045244038105},{"text":"Not a problem at all.","start":3109.01,"end":3110.3098,"sentiment":"neutral","sentiment_score":-0.02370927408337593}],"sentiment":"neutral","sentiment_score":0.04506121358523766,"num_words":12,"start":3104.21,"end":3110.3098},{"sentences":[{"text":"The only thing I I would be cautious about is, like, retiring early is no problem at all.","start":3110.3699,"end":3115.01,"sentiment":"neutral","sentiment_score":-0.07897521265678936},{"text":"It's just if we draw that 160 down before the June, then in pension phase, you still have to draw down the in the minimum income payment, which means more money has to come out of the pension.","start":3115.01,"end":3127.845,"sentiment":"neutral","sentiment_score":-0.08479434849792405},{"text":"If we roll you back to accumulation, you don't have to meet that requirement, but it all has to be done before the July 1.","start":3128.945,"end":3135.93,"sentiment":"neutral","sentiment_score":0.018329823687672615},{"text":"So that's why I sort of the way I worked it is to draw that money down around the July 1.","start":3136.07,"end":3142.09,"sentiment":"neutral","sentiment_score":-0.004285392351448536},{"text":"That way, you've met that requirement.","start":3142.15,"end":3143.61,"sentiment":"neutral","sentiment_score":0.0372585446263353}],"sentiment":"neutral","sentiment_score":-0.03751792083494365,"num_words":108,"start":3110.3699,"end":3143.61},{"sentences":[{"text":"You don't have to take more out of the pension account, and then we can either keep you there or roll you back.","start":3143.67,"end":3148.495,"sentiment":"neutral","sentiment_score":0.039482869369828186},{"text":"It's completely fine.","start":3148.495,"end":3149.695,"sentiment":"positive","sentiment_score":0.4146624008814494},{"text":"We've met that requirement for the government, and they're not gonna make you take too much more out of your super.","start":3149.695,"end":3155.235,"sentiment":"neutral","sentiment_score":-0.027263950113029706},{"text":"Okay?","start":3155.5352,"end":3156.0352,"sentiment":"neutral","sentiment_score":0.11717920005321504},{"text":"Yeah.","start":3157.47,"end":3157.97,"sentiment":"positive","sentiment_score":0.3883547782897949}],"sentiment":"neutral","sentiment_score":0.04255273926775066,"num_words":49,"start":3143.67,"end":3157.97},{"sentences":[{"text":"Beautiful.","start":3158.35,"end":3158.85,"sentiment":"positive","sentiment_score":0.7147411704063416},{"text":"All good.","start":3159.15,"end":3159.89,"sentiment":"positive","sentiment_score":0.6315642297267914},{"text":"Well, I will let you guys read it through.","start":3160.43,"end":3162.35,"sentiment":"neutral","sentiment_score":0.1764104747109943},{"text":"Let me know if there's any questions.","start":3162.35,"end":3163.55,"sentiment":"neutral","sentiment_score":0.12207769602537155},{"text":"I've got in there also how to implement, and it basically runs you through all the steps that I would complete step by step for implementation.","start":3163.55,"end":3170.53,"sentiment":"neutral","sentiment_score":0.13030708122711915}],"sentiment":"neutral","sentiment_score":0.1735131530298127,"num_words":45,"start":3158.35,"end":3170.53},{"sentences":[{"text":"Again, if we change the strategy, those steps will change as well.","start":3171.5151,"end":3174.895,"sentiment":"neutral","sentiment_score":0.08913730612645547},{"text":"Both of you are on 1.1% now.","start":3175.5151,"end":3178.975,"sentiment":"neutral","sentiment_score":0.12761278024741582},{"text":"It is a coupling fee, and it will stay like that completely.","start":3179.195,"end":3182.975,"sentiment":"neutral","sentiment_score":0.10653933168699344},{"text":"Essentially, the way it does work, though, if we do end up drawing all of Carol and Sleeper out, you know, next year, Neil, your fee will probably go back to 1.65% again because it's just the one of you, but I'll make sure it's working for you.","start":3183.995,"end":3197.28,"sentiment":"neutral","sentiment_score":0.1924543728431066},{"text":"And if I can go into bat and get 1.1, I will absolutely do that for you.","start":3197.28,"end":3202.265,"sentiment":"positive","sentiment_score":0.3600088033606024}],"sentiment":"neutral","sentiment_score":0.19374342363638183,"num_words":96,"start":3171.5151,"end":3202.265},{"sentences":[{"text":"So, yeah, I will always work for you.","start":3202.265,"end":3206.285,"sentiment":"positive","sentiment_score":0.575547955930233},{"text":"My job is to work invest in just for you guys.","start":3206.7449,"end":3209.065,"sentiment":"neutral","sentiment_score":0.16338482363657517},{"text":"So I know this is a lot.","start":3209.065,"end":3210.905,"sentiment":"neutral","sentiment_score":0.004214824044278692},{"text":"I'm so sorry.","start":3210.905,"end":3211.885,"sentiment":"neutral","sentiment_score":-0.11749715606371562},{"text":"I'll I'll let you guys have a bit of a read through it.","start":3212.82,"end":3215.1401,"sentiment":"neutral","sentiment_score":0.03973574965046002}],"sentiment":"neutral","sentiment_score":0.15702842269092798,"num_words":42,"start":3202.265,"end":3215.1401},{"sentences":[{"text":"Let me know if there's any questions at all.","start":3215.1401,"end":3217.8,"sentiment":"neutral","sentiment_score":0.052933461136288114},{"text":"I'm so sorry, Caroline.","start":3224.26,"end":3225.3801,"sentiment":"neutral","sentiment_score":-0.18729615956544876},{"text":"The phone just cut out.","start":3225.3801,"end":3226.4202,"sentiment":"neutral","sentiment_score":-0.305345219373703},{"text":"Can you repeat that for me?","start":3226.4202,"end":3227.54,"sentiment":"neutral","sentiment_score":-0.11098191142082214},{"text":"I'm so sorry.","start":3227.54,"end":3228.28,"sentiment":"neutral","sentiment_score":-0.12989867478609085}],"sentiment":"neutral","sentiment_score":-0.10574433621433046,"num_words":27,"start":3215.1401,"end":3228.28},{"sentences":[{"text":"Yep.","start":3230.9248,"end":3231.4248,"sentiment":"neutral","sentiment_score":-0.004939279519021511},{"text":"Yeah.","start":3234.525,"end":3234.9248,"sentiment":"neutral","sentiment_score":-0.006567369215190411},{"text":"Abs yeah.","start":3234.9248,"end":3236.605,"sentiment":"neutral","sentiment_score":-0.004059392958879471},{"text":"Absolutely.","start":3236.605,"end":3237.105,"sentiment":"neutral","sentiment_score":0.1112876757979393},{"text":"Absolutely.","start":3237.565,"end":3238.065,"sentiment":"neutral","sentiment_score":0.1312880963087082}],"sentiment":"neutral","sentiment_score":0.03715838957577944,"num_words":6,"start":3230.9248,"end":3238.065},{"sentences":[{"text":"Did you want me what I'll what I'll do is once you've read it through, if you have any questions, let me know.","start":3239.2449,"end":3244.98,"sentiment":"neutral","sentiment_score":0.05854332155507544},{"text":"If you decide to sign it and return it back, I will get my lovely administration team member, Michelle.","start":3245.28,"end":3250.82,"sentiment":"neutral","sentiment_score":0.11712253701530005},{"text":"She'll give you a call, and she can find out when you want the next catch up to be.","start":3250.88,"end":3255.525,"sentiment":"neutral","sentiment_score":0.1212927863786095},{"text":"She'll book it in my calendar, and we'll make sure we catch up for that date, as we're going through so we can update the strategy for you.","start":3255.525,"end":3263.4448,"sentiment":"neutral","sentiment_score":0.1601124413843666},{"text":"Does that work for you guys?","start":3263.4448,"end":3264.7449,"sentiment":"neutral","sentiment_score":0.11786942804853122}],"sentiment":"neutral","sentiment_score":0.11649213123478387,"num_words":95,"start":3239.2449,"end":3264.7449},{"sentences":[{"text":"Yeah.","start":3266.4048,"end":3266.9048,"sentiment":"neutral","sentiment_score":0.27078041434288025},{"text":"All good.","start":3267.6848,"end":3268.4248,"sentiment":"positive","sentiment_score":0.512884646654129},{"text":"All good.","start":3268.9648,"end":3269.785,"sentiment":"positive","sentiment_score":0.6083770990371704},{"text":"Beautiful.","start":3270.32,"end":3270.82,"sentiment":"positive","sentiment_score":0.7027601003646851},{"text":"Beautiful.","start":3271.12,"end":3271.62,"sentiment":"positive","sentiment_score":0.6560584306716919}],"sentiment":"positive","sentiment_score":0.5531603481088366,"num_words":7,"start":3266.4048,"end":3271.62},{"sentences":[{"text":"I'm sure this is not what you expected.","start":3272.0,"end":3273.94,"sentiment":"neutral","sentiment_score":0.14592607971280813},{"text":"Yeah.","start":3283.9348,"end":3284.4348,"sentiment":"neutral","sentiment_score":0.12385596334934236},{"text":"Yeah.","start":3284.815,"end":3285.315,"sentiment":"neutral","sentiment_score":0.1063414216041565},{"text":"Yeah.","start":3290.015,"end":3290.515,"sentiment":"neutral","sentiment_score":0.060491155833005905},{"text":"Yeah.","start":3295.87,"end":3296.37,"sentiment":"neutral","sentiment_score":0.049361638724803925}],"sentiment":"neutral","sentiment_score":0.1256215681011478,"num_words":12,"start":3272.0,"end":3296.37},{"sentences":[{"text":"And that's okay.","start":3296.43,"end":3297.31,"sentiment":"neutral","sentiment_score":0.0759223314623038},{"text":"We can do plenty of other research, and we'll come up with another strategy.","start":3297.31,"end":3300.75,"sentiment":"neutral","sentiment_score":0.08704304322600365},{"text":"It'd be absolutely fine.","start":3300.75,"end":3302.21,"sentiment":"neutral","sentiment_score":0.20891709998250008},{"text":"So yeah.","start":3302.27,"end":3303.49,"sentiment":"neutral","sentiment_score":0.08147773891687393},{"text":"Good.","start":3304.27,"end":3304.77,"sentiment":"neutral","sentiment_score":0.2838374376296997}],"sentiment":"neutral","sentiment_score":0.11370128812268376,"num_words":24,"start":3296.43,"end":3304.77},{"sentences":[{"text":"Yeah.","start":3304.83,"end":3305.33,"sentiment":"neutral","sentiment_score":0.15895220637321472},{"text":"Yeah.","start":3305.47,"end":3305.97,"sentiment":"neutral","sentiment_score":0.14970171451568604},{"text":"But it does there is light at the end of the tunnel for you both.","start":3306.215,"end":3308.615,"sentiment":"neutral","sentiment_score":0.24060015877087912},{"text":"You both get to, you know, sit back and enjoy life a little bit more down the track.","start":3308.615,"end":3312.615,"sentiment":"neutral","sentiment_score":0.3194233882758353},{"text":"There is light there.","start":3312.615,"end":3313.7551,"sentiment":"neutral","sentiment_score":0.2618493363261223}],"sentiment":"neutral","sentiment_score":0.2747352470954259,"num_words":39,"start":3304.83,"end":3313.7551},{"sentences":[{"text":"Yeah.","start":3318.49,"end":3318.81,"sentiment":"neutral","sentiment_score":0.30686479806900024},{"text":"All good.","start":3318.81,"end":3319.37,"sentiment":"positive","sentiment_score":0.35331594944000244},{"text":"Well, I will let you go.","start":3319.37,"end":3320.49,"sentiment":"neutral","sentiment_score":0.14817614605029425},{"text":"Have a bit of a read through.","start":3320.49,"end":3321.53,"sentiment":"neutral","sentiment_score":0.1474144533276558},{"text":"Let me know if there's any questions, and just take some time to talk it over, and feel free to let me know if there's anything you need in the meantime.","start":3321.53,"end":3328.6702,"sentiment":"neutral","sentiment_score":0.17931941560199183}],"sentiment":"neutral","sentiment_score":0.18070971553630016,"num_words":47,"start":3318.49,"end":3328.6702},{"sentences":[{"text":"Okay?","start":3328.73,"end":3329.23,"sentiment":"neutral","sentiment_score":0.09237316250801086},{"text":"Yeah.","start":3335.705,"end":3336.025,"sentiment":"neutral","sentiment_score":0.0374130979180336},{"text":"Yeah.","start":3336.025,"end":3336.425,"sentiment":"neutral","sentiment_score":0.03924001008272171},{"text":"So it's on June.","start":3336.425,"end":3337.565,"sentiment":"neutral","sentiment_score":0.04283194709569216},{"text":"Around the June 20.","start":3338.185,"end":3339.4648,"sentiment":"neutral","sentiment_score":0.0499748969450593}],"sentiment":"neutral","sentiment_score":0.049113967879252,"num_words":11,"start":3328.73,"end":3339.4648},{"sentences":[{"text":"So let's actually book something in now for you then, Neil.","start":3339.465,"end":3342.585,"sentiment":"neutral","sentiment_score":0.10492351109331305},{"text":"Just what we've got you because my calendar does book out quite quickly.","start":3342.585,"end":3346.57,"sentiment":"neutral","sentiment_score":0.183790385723114},{"text":"So let's go.","start":3347.35,"end":3349.77,"sentiment":"neutral","sentiment_score":0.10887781530618668},{"text":"June 20 is a Sunday, and you're essentially the twenty fifth is a Thursday.","start":3350.07,"end":3357.85,"sentiment":"neutral","sentiment_score":0.05278179634894643},{"text":"Did you want me to make it the Monday the twenty second?","start":3359.355,"end":3362.175,"sentiment":"neutral","sentiment_score":0.0431945426389575}],"sentiment":"neutral","sentiment_score":0.09674239137543822,"num_words":53,"start":3339.465,"end":3362.175},{"sentences":[{"text":"Is that okay?","start":3364.395,"end":3365.275,"sentiment":"neutral","sentiment_score":0.05508280793825785},{"text":"Or did you want it the week before?","start":3365.275,"end":3367.055,"sentiment":"neutral","sentiment_score":0.033298032358288765},{"text":"Yep.","start":3370.315,"end":3370.795,"sentiment":"neutral","sentiment_score":0.2505483329296112},{"text":"Perfect.","start":3370.795,"end":3371.295,"sentiment":"positive","sentiment_score":0.4259582757949829},{"text":"Alright.","start":3371.515,"end":3372.015,"sentiment":"neutral","sentiment_score":0.15813925862312317}],"sentiment":"neutral","sentiment_score":0.09044846785920006,"num_words":14,"start":3364.395,"end":3372.015},{"sentences":[{"text":"So and 04:00 your time is preferable?","start":3372.3,"end":3375.6,"sentiment":"neutral","sentiment_score":0.07277042897684234},{"text":"Yep.","start":3377.82,"end":3378.3,"sentiment":"neutral","sentiment_score":0.18771056830883023},{"text":"Beautiful.","start":3378.3,"end":3378.8,"sentiment":"positive","sentiment_score":0.4378719627857208},{"text":"So I'll book that one in for you.","start":3378.94,"end":3381.12,"sentiment":"neutral","sentiment_score":0.09241508645936847},{"text":"Oh, that's I mean, how much sick leave do you have?","start":3387.105,"end":3389.685,"sentiment":"neutral","sentiment_score":-0.06013590436090122}],"sentiment":"neutral","sentiment_score":0.043314331344195774,"num_words":28,"start":3372.3,"end":3389.685},{"sentences":[{"text":"Wow.","start":3393.105,"end":3393.605,"sentiment":"neutral","sentiment_score":-0.09856747090816498},{"text":"Wow.","start":3393.825,"end":3394.325,"sentiment":"neutral","sentiment_score":-0.12239395081996918},{"text":"No.","start":3395.905,"end":3396.405,"sentiment":"neutral","sentiment_score":-0.2632906436920166},{"text":"They don't.","start":3396.465,"end":3397.345,"sentiment":"neutral","sentiment_score":-0.25467125326395035},{"text":"I know.","start":3397.345,"end":3398.065,"sentiment":"neutral","sentiment_score":-0.18758443742990494}],"sentiment":"neutral","sentiment_score":-0.1955376352582659,"num_words":7,"start":3393.105,"end":3398.065},{"sentences":[{"text":"My mom's gonna retire soon, and I said to her, look.","start":3398.065,"end":3401.9202,"sentiment":"neutral","sentiment_score":-0.12292073260654103},{"text":"You need to use some of your sick leave up.","start":3401.9202,"end":3404.08,"sentiment":"neutral","sentiment_score":-0.13997049629688263},{"text":"Can you catch a cold here and there?","start":3404.08,"end":3405.68,"sentiment":"neutral","sentiment_score":-0.07765510305762291},{"text":"And she's like, I probably could, actually.","start":3405.68,"end":3407.46,"sentiment":"neutral","sentiment_score":-0.08193066716194153},{"text":"Nice.","start":3412.72,"end":3413.22,"sentiment":"neutral","sentiment_score":-0.0042389631271362305}],"sentiment":"neutral","sentiment_score":-0.10677912106385103,"num_words":37,"start":3398.065,"end":3413.22},{"sentences":[{"text":"Never never wanna be happy about injuries, but in this instance, I think you should enjoy those injuries.","start":3413.9048,"end":3419.285,"sentiment":"neutral","sentiment_score":-0.1912476412124104},{"text":"Yeah.","start":3419.4248,"end":3419.9248,"sentiment":"neutral","sentiment_score":0.010050224140286446},{"text":"Oh, yeah.","start":3424.385,"end":3425.285,"sentiment":"neutral","sentiment_score":-0.07335560210049152},{"text":"Oh, really?","start":3427.33,"end":3428.15,"sentiment":"neutral","sentiment_score":-0.05941523425281048},{"text":"Yeah.","start":3434.93,"end":3435.43,"sentiment":"neutral","sentiment_score":-0.07467824965715408}],"sentiment":"neutral","sentiment_score":-0.15719280166861913,"num_words":24,"start":3413.9048,"end":3435.43},{"sentences":[{"text":"Yeah.","start":3435.65,"end":3436.15,"sentiment":"neutral","sentiment_score":-0.10298988968133926},{"text":"Yeah.","start":3441.155,"end":3441.655,"sentiment":"neutral","sentiment_score":-0.04880620166659355},{"text":"Yeah.","start":3446.195,"end":3446.695,"sentiment":"neutral","sentiment_score":-0.014990029856562614},{"text":"No.","start":3446.7551,"end":3446.915,"sentiment":"neutral","sentiment_score":-0.027690501883625984},{"text":"Oh, good.","start":3446.915,"end":3447.3152,"sentiment":"neutral","sentiment_score":0.09786441177129745}],"sentiment":"neutral","sentiment_score":0.00020870007574558258,"num_words":6,"start":3435.65,"end":3447.3152},{"sentences":[{"text":"Well, I booked that one in for you there for the June 22 for a bit of a catch up in relation to the strategy.","start":3447.3152,"end":3453.495,"sentiment":"neutral","sentiment_score":0.07876007437705994},{"text":"But like I said, if there's any questions, I can book you in again before that appointment.","start":3454.05,"end":3457.97,"sentiment":"neutral","sentiment_score":0.09183501320726731},{"text":"You don't have to wait till then.","start":3457.97,"end":3459.83,"sentiment":"neutral","sentiment_score":0.08666728969131197},{"text":"And if you just wanna start the strategy, I'll get you to sign and return it back, and then we can update things as we go.","start":3460.1301,"end":3465.57,"sentiment":"neutral","sentiment_score":0.21262256915752703},{"text":"It's not a problem.","start":3465.57,"end":3466.6301,"sentiment":"neutral","sentiment_score":0.308408722281456}],"sentiment":"neutral","sentiment_score":0.1379580987216551,"num_words":79,"start":3447.3152,"end":3466.6301},{"sentences":[{"text":"Okay?","start":3466.69,"end":3467.19,"sentiment":"neutral","sentiment_score":0.18591679632663727},{"text":"Oh, my pleasure.","start":3469.605,"end":3470.725,"sentiment":"positive","sentiment_score":0.6667147477467855},{"text":"Thank you so much for allowing me to put that together.","start":3470.725,"end":3472.965,"sentiment":"positive","sentiment_score":0.8337663032791831},{"text":"I really enjoyed that research component, and I'm so sorry I had to reschedule the last appointment for you both.","start":3472.965,"end":3478.665,"sentiment":"neutral","sentiment_score":0.2984840255230665},{"text":"Oh, thank you so much.","start":3482.98,"end":3484.26,"sentiment":"positive","sentiment_score":0.7487350940704346}],"sentiment":"positive","sentiment_score":0.5267711589112878,"num_words":40,"start":3466.69,"end":3484.26},{"sentences":[{"text":"I hope you both have a lovely evening.","start":3484.26,"end":3486.3599,"sentiment":"positive","sentiment_score":0.7547104060649872},{"text":"All good.","start":3489.0168,"end":3489.577,"sentiment":"positive","sentiment_score":0.6601429283618927},{"text":"I'll talk to you both very soon.","start":3489.577,"end":3491.4368,"sentiment":"positive","sentiment_score":0.434594920703343},{"text":"Thanks.","start":3493.577,"end":3493.9768,"sentiment":"positive","sentiment_score":0.5672893524169922},{"text":"See you later.","start":3493.9768,"end":3494.617,"sentiment":"positive","sentiment_score":0.4346970319747925}],"sentiment":"positive","sentiment_score":0.5843578094527835,"num_words":21,"start":3484.26,"end":3494.617},{"sentences":[{"text":"Bye.","start":3494.617,"end":3495.117,"sentiment":"neutral","sentiment_score":-0.1176481693983078}],"sentiment":"neutral","sentiment_score":-0.1176481693983078,"num_words":1,"start":3494.617,"end":3495.117}]}}]},{"alternatives":[{"transcript":"Speaking. Very well. Thank you. And yourself? No. No. No. That's fine. That's fine. Because it's giving me some time to have some rethink. So yeah. Yeah. So just a little bit because we we done some googling, and apparently, I don't have to resign to access my super. Okay. Because we did some googling and apparently, if after sixty, I changed my job, I can access my super. Okay. So we'll let let's blow that out of the water then. Because someone said, nah. If you re if you change your job after 60, you can access your super. And I'm thinking I think Dana would have told me if I was thinking of resigning. Yep. Yep. Yep. Okay. Alright. So we'll stick with original plan for this date. Yep. Yeah. September Road, Capel. And 20 seventh of the tenth, nineteen sixty four, three Runy Road, cable. Okay. Yep. Put it here. Yep. Come up. Yep. No. Yes. Yep. Yep. Yep. Hello? Yep. I'm just gonna hold you up there for a sec. So I've come up with Oakville Services version one in brackets two PDF. You want me to open these up as we go, basically? Sign document. Yep. Okay. Yep. It's taking its time. We've had terrible service with what would you call it? Optus of Life. Yeah. Whatever that's just been bad. Anyway, turn that sideways so I can enlarge it. Alright. Now we're and, yeah, now we're there. And what page were we up to? Yep. Yep. No. No. That's fine. Yep. Yep. Okay. Yep. Yep. Yep. Yep. Nope. Yes. Okay. Yeah. Yep. Yep. Yeah. No. So we'll continue with that. But how will that work when I retire because I won't have an income? Yep. 20 20 one. You might say it. You might say it. Yep. Yep. Yep. Yep. Yep. Okay. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Okay. Go back to the beginning and sign. I do. So it's still showing account and hasn't signed in yet or waiting signature. That's all good? Yep. Yep. Okay. Yep. Yep. Very good. Yes. Yes. Yep. Very good. Yes. Will do. All good, sir. Yep. Yep. Yeah. Yes. Yes. Yes. Oh, yeah. Yes. Mhmm. Yes. Yes. Yes. Yes. Sounds good. Yes. Yes. Yes. Yes. Okay. Yep. Yep. Yep. Oh, okay. Good. Yes. Yep. Yes. Yes. Yep. Yep. Yes. Yep. Yep. Yep. Yep. You know, slowing a little nicely so far. Yes. Yep. Yep. Yep. Yeah. So the yeah. Yeah. So the twenty fifth would be a Friday. We would get paid on a Tuesday. So the following Tuesday would be my final pay, which would be June, or thirtieth. Yes. Yep. Yep. Okay. Yeah. Yep. Yes. Yes. That's it. Yep. Try again. Oh, yeah. There it is. Yeah. Yes. Yes. That's all. Oh, okay. Yeah. I'm thinking now. Yeah. It still makes sense because otherwise, it's gonna dwindle down to nothing. Yeah. Yep. Yes. Yeah. Yes. Yes. Yes. So if we decide that we're going to wait a little longer to buy a hybrid caravan, we just leave Caroline's super as it is. Yep. Yeah. Yes. Looking at the caravan. We don't decide at the moment. So, you know, we're not hurry. And we can't tow a boat in the caravan. Yeah. That's a problem. That's that's a problem. And I don't wanna have it on the phone, you know, your time and stuff. So We we're, you know, thinking about a lot of other things. We've just come back to the and some things that we've met up there, They're ten years out seniors, and they use two vehicles. They have a boat and they have a caravan. And it's like, the the process of fuel at the moment? Wow. Yeah. Okay. But at the same time, I think they are self funded retirees. But, anyway Thank you, please. Yeah. Yes. Yeah. That's good. Yes. Yeah. Yeah. It's always always good. And when it gets closed, it may retire. We'll talk about, you know, a bit more with that. Yeah. Yeah. Okay. That sounds good. That's good. Yeah. Yes. Yep. Yeah. Yes. Yeah. Yep. Yep. Yep. Certainly does. Yes. Yep. Yeah. No. I'm gonna do that. Yep. Certainly. Yeah. Yeah. It's not checking. Yep. Yep. Yeah. Yeah. Yeah. I mean, like, I got a fine tool there because we're not due to go back to Wednesday. And my son sent me a message today asking if I was working tomorrow. And I said, no. No. I don't go back to Wednesday. He said, do you wanna come and work a day with me? He's building sheds. So that's what I intend to do after I've retired and then unretire. No. No. No. No. It will be it will still be an income because I don't think he can actually pay cash out on the the I think he's classed as a sole trader. Yeah. Sorry. Yep. Yep. Yep. Yep. Yep. Alright. The only thing that might change is that I retire a little bit earlier, And then and then, like I said, you know, just going to start unretiring after a couple of months and then go and work on me. I'm like yep. Okay. Yeah. Okay. Yep. Alright. Yep. Yeah. No. That's alright. Yep. Yep. Okay. Very good. That sounds good. Yeah. Yep. Fantastic. Yep. Yeah. So we sign it. It's not just the end of the way it shows it, and then it's that that's also okay. Yes. So we've done everything now. If there's anything can we is gonna change? We'll let you know when we check next, and we can always cancel. Yeah. Yeah. Yeah. That's good. Yes. Yep. Yeah. It works. Yep. Good. That's right. No problem. That's good. We need to get a sort of understanding what's gonna happen in the future, which is good. Yeah. Yeah. So that's good to know. So might might have to rethink what I'm gonna do before I retire. Yeah. Yeah. Yeah. Alright. Good. Yeah. Yeah. Yeah. That's that's great. Yeah. It's fine. That's so good. Okay. Okay. Yep. Sounds great. And we'll hear from you on the what? On the July 20? Okay. Yeah. Passcode. Yes? Yes. Yes. No worries. Yep. No. No. The Monday, the twenty second, you're good. Yes? Yes. What about it? I'll still be working then. Unless I take a week week of sickies. Just short of five weeks. And they won't pay that long. Yeah. Yeah. Well, I still play a lot of squash and I'm prone to injuries now. No. No. Yeah. But I I do have a good physio because he also plays golf. And he's also the worst physio. So he understands so he understands that they're the not not the nicest people to work for. Yeah. They're not. They're not great at all. They're a bit worried about going back to work. Mhmm. Anyway, that's how we share, not yours. Yep. Okay. Alright. It sounds fine. Thank you. No. That's alright. That's alright. Alright. Do you understand? Yeah. That's okay. Yes. You too, Dana. Okay. Bye for now. 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Very well. Thank you. And yourself? No.\n\nNo. No. That's fine. That's fine. Because it's giving me some time to have some rethink.\n\nSo yeah. Yeah. So just a little bit because we we done some googling, and apparently, I don't have to resign to access my super. Okay. Because we did some googling and apparently, if after sixty, I changed my job, I can access my super.\n\nOkay. So we'll let let's blow that out of the water then. Because someone said, nah. If you re if you change your job after 60, you can access your super. And I'm thinking I think Dana would have told me if I was thinking of resigning.\n\nYep. Yep. Yep. Okay. Alright.\n\nSo we'll stick with original plan for this date. Yep. Yeah. September Road, Capel. And 20 seventh of the tenth, nineteen sixty four, three Runy Road, cable.\n\nOkay. Yep. Put it here. Yep. Come up.\n\nYep. No. Yes. Yep. Yep.\n\nYep. Hello? Yep. I'm just gonna hold you up there for a sec. So I've come up with Oakville Services version one in brackets two PDF.\n\nYou want me to open these up as we go, basically? Sign document. Yep. Okay. Yep.\n\nIt's taking its time. We've had terrible service with what would you call it? Optus of Life. Yeah. Whatever that's just been bad.\n\nAnyway, turn that sideways so I can enlarge it. Alright. Now we're and, yeah, now we're there. And what page were we up to? Yep.\n\nYep. No. No. That's fine. Yep.\n\nYep. Okay. Yep. Yep. Yep.\n\nYep. Nope. Yes. Okay. Yeah.\n\nYep. Yep. Yeah. No. So we'll continue with that.\n\nBut how will that work when I retire because I won't have an income? Yep. 20 20 one. You might say it. You might say it.\n\nYep. Yep. Yep. Yep. Yep.\n\nOkay. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Okay. Go back to the beginning and sign.\n\nI do. So it's still showing account and hasn't signed in yet or waiting signature. That's all good? Yep. Yep.\n\nOkay. Yep. Yep. Very good. Yes.\n\nYes. Yep. Very good. Yes. Will do.\n\nAll good, sir. Yep. Yep. Yeah. Yes.\n\nYes. Yes. Oh, yeah. Yes. Mhmm.\n\nYes. Yes. Yes. Yes. Sounds good.\n\nYes. Yes. Yes. Yes. Okay.\n\nYep. Yep. Yep. Oh, okay. Good.\n\nYes. Yep. Yes. Yes. Yep.\n\nYep. Yes. Yep. Yep. Yep.\n\nYep. You know, slowing a little nicely so far. Yes. Yep. Yep.\n\nYep. Yeah. So the yeah. Yeah. So the twenty fifth would be a Friday.\n\nWe would get paid on a Tuesday. So the following Tuesday would be my final pay, which would be June, or thirtieth. Yes. Yep. Yep.\n\nOkay. Yeah. Yep. Yes. Yes.\n\nThat's it. Yep. Try again. Oh, yeah. There it is.\n\nYeah. Yes. Yes. That's all. Oh, okay.\n\nYeah. I'm thinking now. Yeah. It still makes sense because otherwise, it's gonna dwindle down to nothing. Yeah.\n\nYep. Yes. Yeah. Yes. Yes.\n\nYes. So if we decide that we're going to wait a little longer to buy a hybrid caravan, we just leave Caroline's super as it is. Yep. Yeah. Yes.\n\nLooking at the caravan. We don't decide at the moment. So, you know, we're not hurry. And we can't tow a boat in the caravan. Yeah.\n\nThat's a problem. That's that's a problem. And I don't wanna have it on the phone, you know, your time and stuff. So We we're, you know, thinking about a lot of other things. We've just come back to the and some things that we've met up there, They're ten years out seniors, and they use two vehicles.\n\nThey have a boat and they have a caravan. And it's like, the the process of fuel at the moment? Wow. Yeah. Okay.\n\nBut at the same time, I think they are self funded retirees. But, anyway Thank you, please. Yeah. Yes. Yeah.\n\nThat's good. Yes. Yeah. Yeah. It's always always good.\n\nAnd when it gets closed, it may retire. We'll talk about, you know, a bit more with that. Yeah. Yeah. Okay.\n\nThat sounds good. That's good. Yeah. Yes. Yep.\n\nYeah. Yes. Yeah. Yep. Yep.\n\nYep. Certainly does. Yes. Yep. Yeah.\n\nNo. I'm gonna do that. Yep. Certainly. Yeah.\n\nYeah. It's not checking. Yep. Yep. Yeah.\n\nYeah. Yeah. I mean, like, I got a fine tool there because we're not due to go back to Wednesday. And my son sent me a message today asking if I was working tomorrow. And I said, no.\n\nNo. I don't go back to Wednesday. He said, do you wanna come and work a day with me? He's building sheds. So that's what I intend to do after I've retired and then unretire.\n\nNo. No. No. No. It will be it will still be an income because I don't think he can actually pay cash out on the the I think he's classed as a sole trader.\n\nYeah. Sorry. Yep. Yep. Yep.\n\nYep. Yep. Alright. The only thing that might change is that I retire a little bit earlier, And then and then, like I said, you know, just going to start unretiring after a couple of months and then go and work on me. I'm like yep.\n\nOkay. Yeah. Okay. Yep. Alright.\n\nYep. Yeah. No. That's alright. Yep.\n\nYep. Okay. Very good. That sounds good. Yeah.\n\nYep. Fantastic. Yep. Yeah. So we sign it.\n\nIt's not just the end of the way it shows it, and then it's that that's also okay. Yes. So we've done everything now. If there's anything can we is gonna change? We'll let you know when we check next, and we can always cancel.\n\nYeah. Yeah. Yeah. That's good. Yes.\n\nYep. Yeah. It works. Yep. Good.\n\nThat's right. No problem. That's good. We need to get a sort of understanding what's gonna happen in the future, which is good. Yeah.\n\nYeah. So that's good to know. So might might have to rethink what I'm gonna do before I retire. Yeah. Yeah.\n\nYeah. Alright. Good. Yeah. Yeah.\n\nYeah. That's that's great. Yeah. It's fine. That's so good.\n\nOkay. Okay. Yep. Sounds great. And we'll hear from you on the what?\n\nOn the July 20? Okay. Yeah. Passcode. Yes?\n\nYes. Yes. No worries. Yep. No.\n\nNo. The Monday, the twenty second, you're good. Yes? Yes. What about it?\n\nI'll still be working then. Unless I take a week week of sickies. Just short of five weeks. And they won't pay that long. Yeah.\n\nYeah. Well, I still play a lot of squash and I'm prone to injuries now. No. No. Yeah.\n\nBut I I do have a good physio because he also plays golf. And he's also the worst physio. So he understands so he understands that they're the not not the nicest people to work for. Yeah. They're not.\n\nThey're not great at all. They're a bit worried about going back to work. Mhmm. Anyway, that's how we share, not yours. Yep.\n\nOkay. Alright. It sounds fine. Thank you. No.\n\nThat's alright. That's alright. Alright. Do you understand? Yeah.\n\nThat's okay. Yes. You too, Dana. Okay. Bye for now.\n\nBye.","paragraphs":[{"sentences":[{"text":"Speaking.","start":0.16,"end":0.65999997,"sentiment":"neutral","sentiment_score":0.04324451833963394},{"text":"Very well.","start":5.2,"end":5.92,"sentiment":"positive","sentiment_score":0.6047280132770538},{"text":"Thank you.","start":5.92,"end":6.3999996,"sentiment":"positive","sentiment_score":0.6232656538486481},{"text":"And yourself?","start":6.3999996,"end":7.06,"sentiment":"positive","sentiment_score":0.35162094235420227},{"text":"No.","start":11.679999,"end":12.179999,"sentiment":"negative","sentiment_score":-0.37735554575920105}],"sentiment":"positive","sentiment_score":0.35313977394253016,"num_words":8,"start":0.16,"end":12.179999},{"sentences":[{"text":"No.","start":15.165,"end":15.325,"sentiment":"neutral","sentiment_score":-0.2327571362257004},{"text":"No.","start":15.325,"end":15.6449995,"sentiment":"neutral","sentiment_score":-0.2369230091571808},{"text":"That's 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that's great.","start":3314.335,"end":3315.615,"sentiment":"positive","sentiment_score":0.5173404415448507},{"text":"Yeah.","start":3315.615,"end":3316.015,"sentiment":"positive","sentiment_score":0.3375202417373657},{"text":"It's fine.","start":3316.015,"end":3316.755,"sentiment":"positive","sentiment_score":0.3947931379079819},{"text":"That's so good.","start":3317.055,"end":3318.035,"sentiment":"positive","sentiment_score":0.588206946849823}],"sentiment":"positive","sentiment_score":0.47020272314548495,"num_words":10,"start":3312.4148,"end":3318.035},{"sentences":[{"text":"Okay.","start":3329.74,"end":3330.22,"sentiment":"neutral","sentiment_score":0.08253089338541031},{"text":"Okay.","start":3330.22,"end":3330.6199,"sentiment":"neutral","sentiment_score":0.1146536022424698},{"text":"Yep.","start":3330.6199,"end":3330.94,"sentiment":"neutral","sentiment_score":0.1742573380470276},{"text":"Sounds 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20?","start":3333.34,"end":3334.8,"sentiment":"neutral","sentiment_score":0.03487630374729633},{"text":"Okay.","start":3335.74,"end":3336.24,"sentiment":"neutral","sentiment_score":0.03934159129858017},{"text":"Yeah.","start":3337.98,"end":3338.48,"sentiment":"neutral","sentiment_score":0.04649301990866661},{"text":"Passcode.","start":3355.43,"end":3355.93,"sentiment":"neutral","sentiment_score":0.04559849202632904},{"text":"Yes?","start":3363.19,"end":3363.5898,"sentiment":"neutral","sentiment_score":0.03459008038043976}],"sentiment":"neutral","sentiment_score":0.038191049825400114,"num_words":8,"start":3333.34,"end":3363.5898},{"sentences":[{"text":"Yes.","start":3363.5898,"end":3364.0898,"sentiment":"neutral","sentiment_score":0.036443278193473816},{"text":"Yes.","start":3364.15,"end":3364.63,"sentiment":"neutral","sentiment_score":0.04207161068916321},{"text":"No worries.","start":3364.63,"end":3365.29,"sentiment":"neutral","sentiment_score":0.06704031489789486},{"text":"Yep.","start":3365.75,"end":3366.25,"sentiment":"neutral","sentiment_score":0.06533405184745789},{"text":"No.","start":3367.695,"end":3367.855,"sentiment":"neutral","sentiment_score":0.005266569554805756}],"sentiment":"neutral","sentiment_score":0.047199356680115066,"num_words":6,"start":3363.5898,"end":3367.855},{"sentences":[{"text":"No.","start":3367.855,"end":3368.0151,"sentiment":"neutral","sentiment_score":0.020792456343770027},{"text":"The Monday, the twenty second, you're good.","start":3368.0151,"end":3369.875,"sentiment":"neutral","sentiment_score":0.15385650843381882},{"text":"Yes?","start":3376.495,"end":3376.995,"sentiment":"neutral","sentiment_score":0.0650172308087349},{"text":"Yes.","start":3377.135,"end":3377.635,"sentiment":"neutral","sentiment_score":0.09124115109443665},{"text":"What about it?","start":3379.15,"end":3380.03,"sentiment":"neutral","sentiment_score":0.13093394537766775}],"sentiment":"neutral","sentiment_score":0.12668063333974436,"num_words":13,"start":3367.855,"end":3380.03},{"sentences":[{"text":"I'll still be working then.","start":3380.03,"end":3381.89,"sentiment":"neutral","sentiment_score":0.0355582682415843},{"text":"Unless I take a week week of sickies.","start":3384.35,"end":3386.3699,"sentiment":"neutral","sentiment_score":-0.10978806298226118},{"text":"Just short of five weeks.","start":3390.75,"end":3392.085,"sentiment":"neutral","sentiment_score":-0.0784592255949974},{"text":"And they won't pay that 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now.","start":3406.565,"end":3411.52,"sentiment":"neutral","sentiment_score":-0.14215765201619693},{"text":"No.","start":3416.7,"end":3417.2,"sentiment":"neutral","sentiment_score":-0.15737441182136536},{"text":"No.","start":3417.6602,"end":3418.1602,"sentiment":"neutral","sentiment_score":-0.29113394021987915},{"text":"Yeah.","start":3419.58,"end":3420.08,"sentiment":"neutral","sentiment_score":0.011444320902228355}],"sentiment":"neutral","sentiment_score":-0.13723452482372522,"num_words":18,"start":3404.405,"end":3420.08},{"sentences":[{"text":"But I I do have a good physio because he also plays golf.","start":3420.3801,"end":3424.045,"sentiment":"neutral","sentiment_score":0.042912764904590756},{"text":"And he's also the worst physio.","start":3424.4248,"end":3426.365,"sentiment":"neutral","sentiment_score":-0.15818125754594803},{"text":"So he understands so he understands that they're the not not the nicest people to work for.","start":3427.385,"end":3434.365,"sentiment":"neutral","sentiment_score":-0.17358475835884318},{"text":"Yeah.","start":3434.91,"end":3435.41,"sentiment":"neutral","sentiment_score":-0.06920477747917175},{"text":"They're not.","start":3436.5898,"end":3437.0698,"sentiment":"neutral","sentiment_score":-0.21834257245063782}],"sentiment":"neutral","sentiment_score":-0.09866801066658436,"num_words":39,"start":3420.3801,"end":3437.0698},{"sentences":[{"text":"They're not great at all.","start":3437.0698,"end":3437.95,"sentiment":"negative","sentiment_score":-0.4072186291217804},{"text":"They're a bit worried about going back to work.","start":3437.95,"end":3439.97,"sentiment":"neutral","sentiment_score":-0.295824882056978},{"text":"Mhmm.","start":3441.15,"end":3441.65,"sentiment":"neutral","sentiment_score":-0.06030638888478279},{"text":"Anyway, that's how we share, not yours.","start":3441.71,"end":3444.21,"sentiment":"neutral","sentiment_score":-0.03291358346385615},{"text":"Yep.","start":3448.765,"end":3449.265,"sentiment":"neutral","sentiment_score":0.09379049390554428}],"sentiment":"neutral","sentiment_score":-0.212844698406432,"num_words":23,"start":3437.0698,"end":3449.265},{"sentences":[{"text":"Okay.","start":3460.285,"end":3460.785,"sentiment":"neutral","sentiment_score":0.12809032201766968},{"text":"Alright.","start":3467.03,"end":3467.53,"sentiment":"positive","sentiment_score":0.3785625100135803},{"text":"It sounds fine.","start":3467.59,"end":3468.6501,"sentiment":"positive","sentiment_score":0.6044258077939352},{"text":"Thank you.","start":3468.79,"end":3469.53,"sentiment":"positive","sentiment_score":0.7412436008453369},{"text":"No.","start":3478.2952,"end":3478.455,"sentiment":"neutral","sentiment_score":-0.20095187425613403}],"sentiment":"positive","sentiment_score":0.4501831978559494,"num_words":8,"start":3460.285,"end":3478.455},{"sentences":[{"text":"That's alright.","start":3478.455,"end":3479.2551,"sentiment":"neutral","sentiment_score":-0.10263178497552872},{"text":"That's alright.","start":3479.2551,"end":3479.655,"sentiment":"neutral","sentiment_score":0.06000449135899544},{"text":"Alright.","start":3479.655,"end":3479.8152,"sentiment":"neutral","sentiment_score":0.04855821654200554},{"text":"Do you understand?","start":3479.8152,"end":3480.635,"sentiment":"neutral","sentiment_score":-0.02992665022611618},{"text":"Yeah.","start":3481.0952,"end":3481.3352,"sentiment":"neutral","sentiment_score":0.10515620559453964}],"sentiment":"neutral","sentiment_score":-0.0023689017527633244,"num_words":9,"start":3478.455,"end":3481.3352},{"sentences":[{"text":"That's okay.","start":3481.3352,"end":3482.235,"sentiment":"neutral","sentiment_score":0.23004651069641113},{"text":"Yes.","start":3487.175,"end":3487.495,"sentiment":"positive","sentiment_score":0.4555351138114929},{"text":"You too, Dana.","start":3487.495,"end":3488.395,"sentiment":"positive","sentiment_score":0.5376340945561727},{"text":"Okay.","start":3491.735,"end":3492.235,"sentiment":"neutral","sentiment_score":0.16109994053840637},{"text":"Bye for now.","start":3492.375,"end":3493.195,"sentiment":"neutral","sentiment_score":0.13095633685588837}],"sentiment":"neutral","sentiment_score":0.3082499369978905,"num_words":10,"start":3481.3352,"end":3493.195},{"sentences":[{"text":"Bye.","start":3493.3071,"end":3493.8071,"sentiment":"neutral","sentiment_score":0.16780585050582886}],"sentiment":"neutral","sentiment_score":0.16780585050582886,"num_words":1,"start":3493.3071,"end":3493.8071}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Speaking.\n\nChannel 0: Hi, Neil. It's Dana from Oakey Financial. How are you this afternoon?\n\nChannel 1: Very well. Thank you. And yourself?\n\nChannel 0: I'm very well. Thank you. I do apologize for rescheduling last time. I unfortunately\n\nChannel 1: No.\n\nChannel 0: had a migraine. It was extremely unwell, so I do apologize.\n\nChannel 1: No. No. That's fine. That's fine. Because it's giving me some time to have some rethink.\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: Okay.\n\nChannel 1: yeah.\n\nChannel 0: Are you\n\nChannel 1: Yeah.\n\nChannel 0: thinking you\n\nChannel 1: So\n\nChannel 0: kind of wanna change the strategy? Or\n\nChannel 1: just a little bit because\n\nChannel 0: Yep.\n\nChannel 1: we we done some googling, and apparently, I don't have to resign to access my super.\n\nChannel 0: You have to reduce your hours to less than ten hours per week. Yeah.\n\nChannel 1: Okay. Because we did some googling and apparently, if after sixty, I\n\nChannel 0: Mhmm.\n\nChannel 1: changed my job,\n\nChannel 0: Mhmm.\n\nChannel 1: I can access my super.\n\nChannel 0: Yeah. So the idea is that you need to be not gainfully employed or if you reduce your hours down to less than ten hours per week or if you do get a new role depending on what you're doing. Even if you get a new role, if you do work more than ten hours per week, it's not technically meeting the definition, but the idea is that you either retire or reduce your hours to under ten ten hours per week.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: So we'll let let's blow that out of the water then. Because someone\n\nChannel 0: That's\n\nChannel 1: said,\n\nChannel 0: okay.\n\nChannel 1: nah. If you re if you change your job after 60, you can access your super. And I'm thinking I think Dana would have told me if I was thinking of resigning.\n\nChannel 0: Yeah. It it there is a little bit more to that. One of the ways and what people have done in the past\n\nChannel 1: Yep.\n\nChannel 0: is they have had more than one job. So, say, they've worked two casual jobs and they've resigned from one of those casual jobs and been able to access it for that way. But the alternative is essentially the general requirement is that you are requiring or working for less than ten hours per week after the age of 60. So it's kind of, you know, dropping hours as much as possible. The easiest way is to fully retire with no intention of returning back to work or\n\nChannel 1: Yep.\n\nChannel 0: if you keep your job as you are. At the moment, we can do that TTR sort of strategy there. But, yeah, just resigning one job and getting another one doesn't quite qualify, and it's a bit harder to do it that way. So\n\nChannel 1: Yep. Okay.\n\nChannel 0: yeah.\n\nChannel 1: Alright. So we'll stick with\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: original plan for this date.\n\nChannel 0: Yeah. Well, I'll go through this one with you. Now this one here is based on you guys, you fully retiring as of the June 25.\n\nChannel 1: Yep.\n\nChannel 0: Essentially, if anything happens and you decide to go back to work or anything changes after that point, you let me know. We can always change the strategy. This is ever evolving. But I'm gonna send this to you guys both now. Is Carolyn there with you as well?\n\nYep. How are you, Carolyn? All good. That's good. I'm gonna send this document through to you so you can both review it with me, and we can run through the strategy of what I've set up for you now.\n\nAnd before we kinda go through that individually, I do have to do security with you. Can I get you each to confirm your date of birth and address for me?\n\nChannel 1: Yeah. September\n\nChannel 0: Yep.\n\nChannel 1: Road, Capel.\n\nChannel 0: Beautiful.\n\nChannel 1: And 20\n\nChannel 0: No.\n\nChannel 1: seventh of the tenth, nineteen sixty four, three Runy\n\nChannel 0: Beautiful. Thank you so much for that. Now\n\nChannel 1: Road, cable.\n\nChannel 0: I've sent that document through to you there. Just let me know when it does happen to pop through. I've sent it through to each of you. So it doesn't really matter which one of\n\nChannel 1: Okay.\n\nChannel 0: you wants\n\nChannel 1: Yep.\n\nChannel 0: to pull it up, or if it's both of you, it's easier.\n\nChannel 1: Put it here. Yep. Come\n\nChannel 0: Excellent.\n\nChannel 1: up.\n\nChannel 0: Excellent. So it is a joint statement of advice for both of you focusing on how we can access the funds in the best possible way to be able to pay down the debts. Another goal you guys have is you want to buy a a hybrid caravan down the track there as well. Caroline,\n\nChannel 1: Yep.\n\nChannel 0: you're looking forward to retirement at the age of 60 in September. And, Neil,\n\nChannel 1: No.\n\nChannel 0: your retirement date was the June 25 this year so far. Okay?\n\nChannel 1: Yes.\n\nChannel 0: Excellent. On the front of that document there, you will see it has been prepared for the both of you as of the 04/20/2026, prepared by myself and my lovely team here at OQ Financial, and my authorized representative number is 1304394. Okay? The next page outlines that the advice has been provided under best interest, so we make sure we understand your goals, what's happening with you guys, and what, you know, your objectives are, and we provide advice in line with meeting those goals and objectives. Advice is very fluid, so it can change.\n\nSo if we get to, say, June and you tell me something's changing, we can just reupdate the advice and alter the strategy. There's no problems there. This\n\nChannel 1: Yep.\n\nChannel 0: sort of gives you an idea of what we're recommending now to help you meet those goals and then, know, what we look forward to or how this this is projected down the track for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. So on the pages number three, four, five, six, I think it's also page number nine there. I've essentially got in there where we're scoping of the advice. So we've scoped in superannuation to make sure we're meeting both of your goals then.\n\nChannel 1: Yep.\n\nChannel 0: We've also scoped in the estate planning side of things. So because we are looking to withdraw funds and setting up a bit of a pension for you, I've looked at the best way to structure your beneficiaries so that the funds are paid to\n\nChannel 1: Hello?\n\nChannel 0: Carolyn in the event of passing.\n\nChannel 1: Yep. I'm just gonna hold you up there for a sec.\n\nChannel 0: Absolutely.\n\nChannel 1: So I've come up with Oakville Services version one in brackets two PDF. You want me\n\nChannel 0: Yep.\n\nChannel 1: to open these up as we go,\n\nChannel 0: Yes. So the first if you does it have a button there that says sign or\n\nChannel 1: basically? Sign document. Yep.\n\nChannel 0: yep. Beautiful. So if you press that button and go forward to the next go forward, it should let you open and review that statement of advice there.\n\nChannel 1: Okay. Yep. It's taking its\n\nChannel 0: Yeah.\n\nChannel 1: time. We've\n\nChannel 0: Yeah.\n\nChannel 1: had\n\nChannel 0: That's okay.\n\nChannel 1: terrible service with what would you call it? Optus of Life.\n\nChannel 0: Oh, have you? Oh,\n\nChannel 1: Yeah.\n\nChannel 0: no.\n\nChannel 1: Whatever that's just been bad.\n\nChannel 0: Yeah.\n\nChannel 1: Anyway, turn that sideways so I can enlarge it.\n\nChannel 0: You're right.\n\nChannel 1: Alright. Now we're\n\nChannel 0: Now we're there. Beautiful.\n\nChannel 1: and, yeah, now we're there. And what page were we up to?\n\nChannel 0: We're up to page number sorry. Number three, four, five, and six.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. So the first couple of pages there are your scoping areas, the areas that we are providing advice on. In the first column you have, we have your goals noted down there. And because we have more than one conversation, I've noted what conversation, I've noted what your original goals were and then the changes to those goals as per our secondary conversation.\n\nChannel 1: Yep.\n\nChannel 0: It is quite long. I do apologize.\n\nChannel 1: No. No. That's fine.\n\nChannel 0: And then you've also got the reasoning behind the scoping in and how it relates back to your goals there for you. We've also got a state planning in to your goals there for you. We've also got estate planning in there for you and debt management. So you guys are wanting to draw that 160,000 down so that you can pay off all of your debts and be completely debt free. Caroline,\n\nChannel 1: Yep.\n\nChannel 0: when you turn 60, you still wanted to access your super there. You guys are still wanting to purchase a hybrid caravan, and I've looked at ways for you to utilize your super to offset as well. Okay?\n\nChannel 1: Yep. Okay.\n\nChannel 0: Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: I've also included the retirement income needs. So because for all of the tentative purposes, Neil, you are planning to retire in June, I've also scoped in what happens and how we can utilize your super for you to draw an income on. If anything changes and you decide to go back to work after, you know, you started this\n\nChannel 1: Yep.\n\nChannel 0: retirement planning, we can just always change the strategy and move on to the next thing and update\n\nChannel 1: Yep.\n\nChannel 0: things. There is no issues in any way, shape, or form. I the strategy, as I said, is very fluid. We can change it at any point. We can update it.\n\nI can do an advice document every couple of months for you if you wanted to change your goals. So there is no issue with that at any point. You just let me know how you're tracking. Okay?\n\nChannel 1: Yep.\n\nChannel 0: To the next page, no. Page number seven has a limited scope. So I've scoped in Social Security just to a limited scope there. So because you are 61 at the moment, Neil, you can't access to the age of six sorry. You can't access Social Security or FenderLink until the age of 67.\n\nSo\n\nChannel 1: Nope.\n\nChannel 0: we do wanna sort of make sure when you get to that point that you are able to access it. I've scoped it into only a limited basis, which means I'm looking at the long term effects of the recommendations that we've made and how they relate to Social Security and whether you might be eligible for it down the track based on your current circumstances. And as you get close to the age 67, we can keep reviewing these strategies. And when you're actually almost there, we can look at what level of Social Security is available, how to maximize that for you, and make sure it helps you to get longevity out of your sleep or down the track as well.\n\nChannel 1: Yes.\n\nChannel 0: Okay? Excellent. On the next page, page number eight, areas that we scoped out. So you guys don't have any insurances, personal insurances at the moment. With your ages, it is very hard to obtain new cover.\n\nIt is very expensive. Your focus is essentially on retirement, paying down your debts, and, you know, enjoying your super and those, you know, retirement years down the track. So we're not scoping in any recommendations\n\nChannel 1: Okay.\n\nChannel 0: around the insurance side of things. Okay? Excellent. To make this a bit easier, I will sort of go forward past a couple of pages. When you guys after the call, you're welcome to go back and have a really good rate of the document.\n\nChannel 1: Yeah.\n\nChannel 0: Let me know if there's any changes that you do wanna make and sort of taking because this is quite long. I'll skip through quite a few sections and just sorta hit the points that I need to hit for you to make it easier, and then you'll\n\nChannel 1: Yep.\n\nChannel 0: definitely be able to go back and have a really good read a bit together. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. So I've set it out in three different stages for you. Stage number one is what we're gonna do now. So, Neil, the first recommendation is based on yourself here, and I am recommending for now we do retain your current strategy. You've got your TTR strategy.\n\nSo you have your pension account and your super account in accumulation For the time being up until the 06/25/2026 when you officially retire, we are recommending that you retain that account for now. Retain everything as it is because it is working. You've got your contributions going into super, and you're drawing down a bit of income to offset what's being put into super. So if we were to look at changing that and stopping it now, you'd end up with a little bit less money at the end of the day.\n\nChannel 1: Yeah. No. So we'll continue with that. But how will that\n\nChannel 0: Yep.\n\nChannel 1: work when I retire because I won't have an income?\n\nChannel 0: No. That'll that will absolutely stop. So we're gonna continue that up until the 06/25/2026 when you officially retire.\n\nChannel 1: Yep.\n\nChannel 0: We're also going to so we're retaining your super and your pension account as they are for the moment, but we are doing an investment switch for you. So I had a really good look at the way your super was and the investments that you do have in your super at the moment.\n\nChannel 1: 20\n\nChannel 0: And we know that if you go down to page 21 for me, this is essentially the changes we wanna make now to your super and your pension account. Okay?\n\nChannel 1: 20\n\nChannel 0: The first\n\nChannel 1: one.\n\nChannel 0: yep.\n\nChannel 1: You\n\nChannel 0: You're alright.\n\nChannel 1: might say\n\nChannel 0: Tell\n\nChannel 1: it. You might say it.\n\nChannel 0: you're fine. You tell me to slow down. I'm so sorry. My computer might be going faster than you guys. So the first thing here is that with the Benelon Australian Equities and the Bank Hybrid there, the Benelon Australian Equities in your portfolio has been underperforming a little bit over the past sort of couple of months there.\n\nSo we wanna remove that investment and do\n\nChannel 1: Yep.\n\nChannel 0: a bit of a switch for yourself. So we are gonna sell down all the Benelon Australian equity. So you see the full balance there is being sold down to cash, and then you've also got the bank hybrids. Bank hybrids are more of a defensive investment for you, but they are being phased out in the future. So it is\n\nChannel 1: Yep.\n\nChannel 0: worth selling those down now, making it easier. That way, we don't have to sell them down in the future when the time comes.\n\nChannel 1: Yep.\n\nChannel 0: We're selling down the the Benelon Australian equities. We're gonna move all that money into the BetaShares a 200, which is the one on the bottom there. So the BetaShares a two hundred is still giving you exposure to Australian equities. It's actually\n\nChannel 1: Yep.\n\nChannel 0: helping to provide more diversification to your portfolio because, Banda Long Australian equities holds anywhere between 20 to 30 different investments within it, whereas the BetaShares a 200 holds the top 200 companies on the ASX. So you've actually got more exposure to Australian equities, creating more diversification for you, which is overall helping to reduce the risk of your portfolio. It's also more of a passively managed fund. So the way we see investment managers is there's an active manager, which means if that manager is buying and selling investments and trying to outperform against the market, and you tend to pay a bit more money to have that kind of an investment in your portfolio. Whereas a passive manager is just looking to track the market.\n\nSo with the beta shares a 200, they're just tracking the top 200 companies on the ASX, and it's often cheaper to have more of a passively managed investment in your portfolio. So it's giving you more diversification, still giving\n\nChannel 1: Yep.\n\nChannel 0: you exposure to Australian equities, helping to reduce the risk of your portfolio, but it's also a cheaper investment for you as well. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Yeah. So we'll put that into your portfolio and get rid of the then along there. And then we're getting rid of the bank hybrids removing them because they are being phased out as an investment. And to keep that defensive component for you, we're gonna put the money into the iShares core compass bond. Essentially, these are both corporate and bank and government bonds.\n\nBonds are really great as defensive investments because they pay income payments on a regular basis. Think of them sort of like a term deposit. You're putting some money into these bonds, and every month or two or three, they're giving you income payments or, you know, like, interest payments out of the the term deposit, essentially. And those income payments get paid back into your cash account and reinvested back into your portfolio for you, which helps with the compounding effect. So we had\n\nChannel 1: Yep.\n\nChannel 0: a really good look at everything, and we decided to make this small change now to your portfolio just to make sure things were working a bit harder for you for the time being, but also making sure we're getting rid of those investments that are underperforming for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. On the next page, you'll see your cash account there. So at the moment, Neil, you've got about 6.84% in cash. Within hub twenty four, you actually don't wanna have more cash than you need. Realistically, we're only supposed to hold about 1.25% cash there, so we do wanna invest that extra 3,000 into your portfolio as well.\n\nChannel 1: Yep.\n\nChannel 0: You end up when you have cash sitting in the cash account, you don't really get much in the way of a return from them, and you do tend to pay fees for having money sitting in cash. So you don't really wanna have a lot of money sitting in cash. You wanna make sure it's all invested in your portfolio and working harder for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now that is your super account. You will note the balance on that previous page is only about 50,007\n\nChannel 1: Yep.\n\nChannel 0: 85. I've noted both of your accounts separately because you've got your TTR pension account there. We're gonna make the same change within that TTR pension account, and that's\n\nChannel 1: Yep.\n\nChannel 0: on the next page for you so you can see the difference there. Okay?\n\nChannel 1: Yep.\n\nChannel 0: All good. Essentially, within the account there, we do know there is gonna be CGT consequences for doing so. We had a really good look there. I do have it noted here for you. So sorry.\n\nIt's just going back here.\n\nChannel 1: Okay.\n\nChannel 0: It doesn't have it down.\n\nChannel 1: Go back to the beginning and sign. I do. So it's still showing\n\nChannel 0: Oh.\n\nChannel 1: account and hasn't signed in yet or\n\nChannel 0: Alright.\n\nChannel 1: waiting signature.\n\nChannel 0: No. That's okay.\n\nChannel 1: That's\n\nChannel 0: So\n\nChannel 1: all good?\n\nChannel 0: if you go\n\nChannel 1: Yep.\n\nChannel 0: down to page number 26 there for me now, this is a fee table, and this essentially shows you that by making those small changes to your portfolio and the way we made it by selling off Benelon and the bank hybrids and making that change, there's actually no capital gains consequences to your super. So because Bennelong has been underperforming, and we're able to sell off the the Bank Hybrids, we're offsetting the losses made by Bennelong\n\nChannel 1: Yep.\n\nChannel 0: for the gains for selling off the Bank Hybrids, and your super fund will have no tax consequences. So no CDT tax for making that change, which is a benefit to you. Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: On the second sorry. It'll be the third line down there, the investment fee line. The first column shows your current investment fees that you're paying between the two accounts. And then after we make that switch, you'll see there's a difference. The difference is $326.\n\nSo by selling off that along, removing the bank hybrids, and moving the funds into the core composite bonds and the a 200, you can actually save for the year $326 on investment fees. So you're actually there's no tax consequences in making the change, and we're reducing the investment fees that come out of your portfolio as well, which is a benefit. Less fees, more diversification, no tax consequences, and we're removing those underperforming investments. So yeah.\n\nChannel 1: Yep. Very good.\n\nChannel 0: Works well. There's no real other change to any of this. I do know if you have a look at the bottom there. The five year rolling average by making this sort of switch, the and putting the a 200 instead of Van Along, the five year rolling average shows that the portfolio has actually performed better over the past five years. So moving forward, if the portfolio is worth the same as they have with the market conditions they've had, then you can sort of see that you could end up with about a 9.67% return on a yearly basis from this sort of portfolio as well as saving money, whereas the\n\nChannel 1: Yes.\n\nChannel 0: older portfolios only really averaged about 8.41%. So,\n\nChannel 1: Yes.\n\nChannel 0: you know, you've got the benefit there of this updated portfolio by making these small changes can have a greater effect long term long term on your super as well. Okay?\n\nChannel 1: Yep. Very\n\nChannel 0: Beautiful.\n\nChannel 1: good.\n\nChannel 0: It is a lot to go through, but do you have any questions for me at the moment? Please let me know if there's anything that you need me to re clarify.\n\nChannel 1: Yes. Will do.\n\nChannel 0: Yeah.\n\nChannel 1: All good,\n\nChannel 0: All\n\nChannel 1: sir.\n\nChannel 0: good. Yeah. Perfect. That's your super for the moment on what we're doing now. On the next page, it does show we are looking at a smaller projected outcome because you are planning to essentially retire in the next few months there.\n\nSo with\n\nChannel 1: Yep.\n\nChannel 0: the current scenario, you could sort of see your super ending up in the next, technically, a bit over a month at around $320,004.35 between the two accounts with the recommended. If it is able to get that greater level of return, you could be in front by about 340. So, look, honestly, because it's only about a month away,\n\nChannel 1: Yep.\n\nChannel 0: there is a\n\nChannel 1: Yeah.\n\nChannel 0: much smaller projected outcome that's expected from this, but it is showing that by saving money, creating better diversification, lowering your overall risk, and having a greater past performance could put you in a better position in the next cup in the next month or so as well. Okay?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. So that's essentially what we wanna do for yourself now. Caroline, with your current super within Netwealth, you're due to retire in September 2026. So we went\n\nChannel 1: Yes.\n\nChannel 0: back and had it again. Just a really good look at what was happening. I'm not recommending we make any changes to your super or your portfolio at the moment. We had a really good look at how you invested. We\n\nChannel 1: Yes.\n\nChannel 0: had a look at all the underlying investments there. You do have a little bit more in cash. So if you go down to page number thirty four and thirty five, it shows how you're invested at the moment.\n\nChannel 1: Oh,\n\nChannel 0: You\n\nChannel 1: yeah.\n\nChannel 0: yeah. We've actually already kind of done a little bit of a swap. You don't have, Van Along in your portfolio at the moment. You've got some other investments in there. You're in more of a conservative, investment portfolio.\n\nAnd when we sort of talked about lowering the overall risk, at the moment, you're in a very defensive portfolio. So when I kind of look at the way you're invested, when we think about growth assets, so things like Australian shares, international shares, listed property, and commodities, you've got about 55.18% and the rest in defensive low risk investments like cash, bonds, and fixed interest, and you've got about 44.82% there. So you are pretty well defensively invested, very much in that balanced environment. So I didn't kind of wanna make too many changes to kind of affect your super balance because it is a bit lower than where Neil's is at the moment, and you're wanting to access that in a few months.\n\nChannel 1: Yes.\n\nChannel 0: Your cash is a little bit higher. You do have about 6.9% sitting in cash, so we do want to invest majority of that,\n\nChannel 1: Mhmm.\n\nChannel 0: only leaving 1.25%. But in the appendices, when you get a chance to have a look, I've attached that as an attachment to the email for you. I've actually got some alternatives considered. We did look at altering the portfolio a couple of different ways. Both of them came out showing CGT consequences for your fund of between $770 and $1,176 there.\n\nSo we kinda wanted to limit the CGT consequences, But even putting you into a different portfolio, which was getting a better rate of return, when we looked at your contributions, the CGT consequences for making changes to your to your investments, It came out that you were gonna be worse off in the next couple of months there, so they weren't a huge difference. The first alternative we looked at only showed a difference of about a 147 in September. The other one\n\nChannel 1: Yes.\n\nChannel 0: was about a thousand and 85, But we don't really wanna be having a super going backwards. We wanna kinda keep it going forward for the moment. So\n\nChannel 1: Yes.\n\nChannel 0: I sort of landed on the best place for you right now is to keep it as is, not make any changes to your portfolio now, and have it continue to keep working harder for you. So in September, we can draw down as much as possible. Okay?\n\nChannel 1: Yes. Yes. Sounds good.\n\nChannel 0: Beautiful. For yourself on page 37, you've got a bit of a fee comparison table there as well and a projected outcome, and it sort\n\nChannel 1: Yes.\n\nChannel 0: of shows that you've also got it on page 38, but it shows in September, essentially, what we're kind of expecting for you is a balance of around about $124,004.65 as if market conditions continue to work the way they have, if you're able to get that sort of five year rolling average of 12.34% continuously.\n\nChannel 1: Yes.\n\nChannel 0: That's a yearly sort of rolling average. So we understand in smaller months, it's gonna be probably a little bit less there, but we've sort of also gone back and broken that down into a monthly amount. So if your super was able to work the way it has or whether the five year rolling average has on a monthly basis, you could still end up with about a $124,004.65 in September to draw down. Okay?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Beautiful. That is stage one. Stage\n\nChannel 1: Okay.\n\nChannel 0: two is on page number 39 for you. Now stage two is to come into effect from the June 25. So, essentially, Neil, you may have mentioned June 25 is when you've told your employer you wanna retire.\n\nChannel 1: Yep.\n\nChannel 0: From that date, we'll just need to confirm exactly when the last contribution should be going into the account. Realistically, by then, we should have payday contributions. So once your final pay goes into your bank account, they should be able to make your final contribution into your super account.\n\nChannel 1: Yep.\n\nChannel 0: At that time, we wanna roll back the funds from your TCR pension into your super. So everything goes back into your accumulation account or back into one place. Your last contribution is made to the super fund, and then we're gonna roll a 100% for everything into a full account based pension account for you.\n\nChannel 1: Yep.\n\nChannel 0: The benefit to doing that is that when you're fully retired and you we move into an account based pension, you get full access to your super. It's completely tax free, but it also means that capital gains within the fund and income made within the fund are all completely tax free as well. So there's\n\nChannel 1: Oh,\n\nChannel 0: no tax\n\nChannel 1: okay.\n\nChannel 0: in any way, shape, or form. So it means that your fund isn't paying income tax. There's no CDT tax in the fund, and any income you draw down is completely tax free for yourself as well. So it works on several levels, but it means you've got more money invested for you long term. Okay?\n\nChannel 1: Good.\n\nChannel 0: Yeah. So once we move into that account based pension, what I'm gonna recommend is that you do draw down that 160,000. However, there's only about a week's difference between the June when you're gonna retire to the July 1, I'm gonna recommend that you hold off drawing that $1.60 until the 07/01/2026. And that is\n\nChannel 1: Yes.\n\nChannel 0: because once you roll into account based pension phase, you also have to every year draw down the minimum pension amount. So if we hold off that withdrawal until the July 1, you draw down a 160,000 out of super to cover all of your debts. It then means you don't have to draw down any more funds out of your super fund. Your you don't have to draw anything else as an income payment, which is a which is a positive thing. One of\n\nChannel 1: Yep.\n\nChannel 0: the things that we talked about a while ago was that once you're fully retired, you'll also get your long service leave, your annual leave, all those things paid out, and that should provide you with a better a bit of a buffer for income. But then Carolyn is also still working through to September\n\nChannel 1: Yes.\n\nChannel 0: as well.\n\nChannel 1: Yes.\n\nChannel 0: So when we sort of look at things, the you'll see the fee table there which shows, essentially, you have 24 accumulation, the pension account there, and then we roll all of that into the recommended, which is the pension account, and you draw down the one sixty. It does show that, essentially, what we'd expect you to have in that account at the end of that by the 07/01/2027 is about 167,000 there. Okay? So\n\nChannel 1: Yep.\n\nChannel 0: taking that money out does it does take quite a lot of your super, leaves you with a bit over 160 there this year with no contributions going in. We do expect growth out of the account, but it does mean the growth is gonna be a lot lower. So we just wanted to kinda show you the difference there. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Once you've moved into pension, as I mentioned, there's no no income taxes, no capital gains tax on any investments. We'll keep you in the same portfolio that you're in at the moment because it is saving you quite a bit of money. By moving everything into that account based pension account, you also will only have one account now, not two. So we'll save you about\n\nChannel 1: Yes.\n\nChannel 0: $234 a year on administration fees and an extra $380 for the year on investment fees as well. So\n\nChannel 1: Yep.\n\nChannel 0: everything kinda goes down. Our ongoing service fee also drops because you've only got one account there as well. And, obviously, your contribution stopped. And then\n\nChannel 1: Yep.\n\nChannel 0: you've got your your income drawdown showing zero at the moment because we're doing that $160,000 drawdown, which is at the very top there. Okay? Beautiful. And once you've done that one sixty, you'll see the hub 24 pension that recommended the balance there. That is the balance expected after we've done the transfer into the pension account, but after the 160,000 has been drawn down.\n\nDoes that make sense?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah. Do you have any questions? I wanted to give you time to ask questions, and you're welcome to tell me if there's something you want me to break\n\nChannel 1: You\n\nChannel 0: down\n\nChannel 1: know,\n\nChannel 0: further for you.\n\nChannel 1: slowing\n\nChannel 0: No?\n\nChannel 1: a little nicely so far.\n\nChannel 0: Fantastic. Fantastic. The next page gives you a projected outcome. So after the first year around about the 07/01/2027, so long as no additional funds are drawn out of the account there, you can sort of see we would expect you to have about a $167,005.66 in the account there. The current shows if you would essentially keep the accumulation and the pension account the way it is at the moment and didn't take that $1.60, you could end up with about 335,760.\n\nSo it's showing you your current scenario versus the\n\nChannel 1: Yes.\n\nChannel 0: recommended, and the difference is the fees, obviously, plus the withdrawal amount there. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Beautiful. All good. So that is essentially stage two. As of the June 25, we find out when your last contribution is. We can roll the funds.\n\nWe wanna make sure that, obviously, you're you're getting your last pay, and we have that all the funds rolled back into accumulation, but we wanna make sure that you get your last pension payment out of that TTR account as well. So\n\nChannel 1: Yep.\n\nChannel 0: we'll make sure that the, sorry, the rollover is in line with your pays.\n\nChannel 1: Yeah.\n\nChannel 0: That way,\n\nChannel 1: So\n\nChannel 0: we\n\nChannel 1: the\n\nChannel 0: we don't want you to end up with a pay less or anything. So\n\nChannel 1: yeah. Yeah. So the twenty fifth would be a Friday. We would get paid on a Tuesday. So the following Tuesday would be my final pay,\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: which would be June, or thirtieth.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Yes.\n\nChannel 0: April.\n\nChannel 1: Yep.\n\nChannel 0: Lovely. I'll make a note to check hub to check the hub twenty four account, note that when your last pension payment is due out of there, and we can make sure it works in in in coincides with that for you. Okay?\n\nChannel 1: Yep. Okay.\n\nChannel 0: Beautiful. We then just need to make sure we know when your last contribution a payment goes into your account. We can roll everything back into accumulation. It doesn't take long to complete that, and then we'll organize that transfer back to pension phase on the July 1 and organize that withdrawal of a 160,000 out at the same time. It generally takes a couple of days to have that paid down, and we do the sell downs and the pension payment here.\n\nAnd then you'll have those funds so you can clear all your debts and be completely debt free. Okay? Yeah. Beautiful. As mentioned, I've not made any additional pension draw downs for this financial year because you'll have your annual leave, you'll have your long service leave, and Carolyn's still working there as well.\n\nAnd with not having a mortgage, that's one less payment to make for you guys as well. So we can definitely liaise. If you find you need extra money, we can make that work for you. It's not a problem. It's more just that trying to make sure your super works for you and works as long as possible because we are taking such a large lump sum out now.\n\nChannel 1: Yeah.\n\nChannel 0: We wanna\n\nChannel 1: Yep.\n\nChannel 0: make sure that, you know, we it still works hard for you down the track, and we get as much longevity out of your super that we possibly can. Okay.\n\nChannel 1: Yes. Yes. That's\n\nChannel 0: Perfect.\n\nChannel 1: it.\n\nChannel 0: Excellent. As I'm going through, you'll see as you're going through the pages there, there are the best interest duty, which is essentially noting how I've aligned the recommendation to your goals. I'll let you guys go back and have a really good read of these sections as well. It's also noting advantages, disadvantages, and risks of the strategy and any additional alternatives that I've considered as part of the research for you as well. Okay?\n\nChannel 1: Yep. Try again.\n\nChannel 0: Beautiful. There's a lot there. Sorry.\n\nChannel 1: Oh, yeah. There it is. Yeah.\n\nChannel 0: If you go down to page number 45 for me, this is essentially stage number three, and this is in September. So this is when Carolyn turns 50 and you get to retire. Beautiful.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. So in the last conversation, we talked about how you also both wanted to buy that hybrid caravan. Weren't really sure on how much it was gonna cost, but the hybrid hybrid caravan is a goal so you can both just enjoy your retirement years and travel a little bit and go away.\n\nChannel 1: Yes.\n\nChannel 0: One of the things that you wanted to originally do was to draw down all of your super to be able pay off the mortgage, but that will all be covered with Neil's drawdown, so you won't have that expense. I have looked at drawing down all of it versus some of it. Drawing\n\nChannel 1: That's\n\nChannel 0: down\n\nChannel 1: all.\n\nChannel 0: if you've got about a 124,000 in there, drawing down half of it to cover caravan and give you some additional buffer money is good, but it doesn't leave enough in there to really have the growth working. Essentially, when you think of yeah. So when you sort of think about having money invested, if you have, say, 50,000 invested and you get a 5% return, that 5% return is much smaller on 50,000 than it would be on, say, 2 or $500,000. So having a smaller balance left in there, whilst it still does receive an interest it still does grow and still does receive, you know, the returns, it's still it's gonna be lower and it's gonna be slower growth. You're still paying fees for having the account open.\n\nAnd with no contributions there, you do risk the balance being eaten away. So what I am recommending and what I've looked at doing for you is just suggesting, Caroline, at 60, we do a full withdrawal. We draw all the money from your super down to your bank account for you. You can utilize the funds to purchase your caravan. And then, essentially, with what's left over, you can supplement and keep as a buffer so that you can cover that $600 per week income that you guys will be needing over the next twelve months.\n\nYou essentially only need to keep about 31,200 aside available to cover that $600 per week, and that gives you both your regular income as per your goals. And then the rest of the money can essentially be used to put towards a caravan or a bit of buffer or a holiday or a new car or whatever it is that you decide you want at a time.\n\nChannel 1: Oh, okay. Yeah. I'm thinking now.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: It still makes\n\nChannel 0: The\n\nChannel 1: sense\n\nChannel 0: other\n\nChannel 1: because\n\nChannel 0: reef\n\nChannel 1: otherwise,\n\nChannel 0: yeah.\n\nChannel 1: it's gonna dwindle down to nothing.\n\nChannel 0: That's exactly right. Yeah. That's exactly right. So it does work out better just to take it out. The other thing I looked at is because we are taking out such a large lump sum from Neil's Super at the moment, it does reduce your super down to an expected about a 160,000.\n\nAnd you're still only 61, 62 this year, so you still do have a lot of living to do and a long\n\nChannel 1: Yeah.\n\nChannel 0: time in retirement there.\n\nChannel 1: Yep.\n\nChannel 0: An alternative strategy I have looked at is when we know how much you have left over, once you bought your caravan or once you've worked out how much you need for the caravan and we've maybe set aside some of that 31,200 income for you, We can also then look at what you have available and maybe do a one off contribution back into Neil's Super. We can always update the strategy, roll you back into Super, put some more money in, and then roll you back into pension and relook at the strategy then and see if gives you further longevity. I've discounted yeah. So I've discounted that now because we don't know how much you need for the caravan.\n\nChannel 1: Yes. Yeah.\n\nChannel 0: It is best to kind of work out what your goals are, what you wanted to to happen with the funds first, and then see what you have left over. But it is definitely worthwhile, especially with the volatility. I mean, you can't kinda get away from the news at the moment, and we've seen the ups and downs in the market with what Trump's doing with what's happening. And every invest every investment portfolio has had those ups and downs. Even in a balanced environment, conservative environment, you still do see some ups and downs.\n\nIt is limited by taking less risk in the market, but the ups and downs are still expected. So by having that 31,200 sitting in the bank account, it's giving you a bit of a buffer for twelve months so we don't have to then access Neil's super, and it's meaning that it can allow it to go through its ups and downs. We're not taking money out to cement losses at a downtime. We're just giving\n\nChannel 1: Yes.\n\nChannel 0: it twelve months to kind of recuperate and start to grow and see where it needs to go from there. And you have your first year's worth of income payments sitting nice and safely in your bank account where it's not gonna dwindle away. Okay?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yep. Beautiful. Does that make sense? Do you have any questions so far? You're welcome to ask me if you do.\n\nChannel 1: So if we decide that we're going to wait a little longer to buy a hybrid caravan, we just leave Caroline's super as it is.\n\nChannel 0: You absolutely can. Yeah. Definitely.\n\nChannel 1: Yep.\n\nChannel 0: So if it's\n\nChannel 1: Yeah.\n\nChannel 0: if you get to 60 carol and you decide you don't wanna buy a caravan right now, you just wanna leave your super in the account, that's absolutely fine. We'll just leave it sitting in the account. We can also talk about even withdrawing it and putting it in with Neil's. There's lots of other strategies that we can talk about, lots of other research that we can do. But if you get to September and you go, hey.\n\nLook. I probably don't want this yet. Let's say you look at putting it all into Neil's or half into Neil's or, you know, what we need to maybe do, we can do that for you. Yeah. Absolutely.\n\nMore money definitely makes more money. Absolutely. So we can look at doing that for you down the track. If we look at doing that, I will wanna look at, you know, what we need to do to make sure that you guys are then receiving income. So maybe putting it into Neil's Super and looking at income draw downs from that to see what that looks like for you.\n\nI would compare that with keeping it in your account and drawing income from your account and holding his. But I can do\n\nChannel 1: Yes.\n\nChannel 0: all that research down the track. There's no, yeah, there's no requirement for you to make the decision now. You can wait till September and we have another catch up and you go, hey. Well, maybe I don't want this. Maybe I, you know, do want this.\n\nOr if Neil decides he's a bit bored with being retired and wants to go back to work and, you know, doesn't need to draw down from his super, we can look at what strategies there are in place, and I can do all the additional research and update the strategy for you guys. Okay?\n\nChannel 1: Looking at the caravan. We don't decide at the moment. So,\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: you know, we're not hurry. And we can't tow\n\nChannel 0: Yeah.\n\nChannel 1: a boat in the caravan. Yeah. That's a problem.\n\nChannel 0: No. One or\n\nChannel 1: That's\n\nChannel 0: the other.\n\nChannel 1: that's\n\nChannel 0: Hey.\n\nChannel 1: a problem. And I don't\n\nChannel 0: Yeah.\n\nChannel 1: wanna have it on the phone, you know, your\n\nChannel 0: Yeah.\n\nChannel 1: time and stuff. So We we're, you know,\n\nChannel 0: Yeah.\n\nChannel 1: thinking\n\nChannel 0: Yeah.\n\nChannel 1: about a lot of other things. We've just come back to the\n\nChannel 0: Yeah.\n\nChannel 1: and some things that we've met up there, They're\n\nChannel 0: Mhmm.\n\nChannel 1: ten years out seniors, and\n\nChannel 0: Yeah.\n\nChannel 1: they use two vehicles. They have a boat and they have a caravan. And it's like, the the process of fuel at the moment? Wow.\n\nChannel 0: Yeah. Yeah. Yeah. Understandable. It's\n\nChannel 1: Yeah.\n\nChannel 0: definitely taken a bit of a hit over the past couple of months. That's for sure.\n\nChannel 1: Okay. But at the same time,\n\nChannel 0: Yeah.\n\nChannel 1: I think they are self funded retirees.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: But, anyway\n\nChannel 0: No.\n\nChannel 1: Thank\n\nChannel 0: Add.\n\nChannel 1: you, please. Yeah.\n\nChannel 0: Yeah. But now look have a look through the the advantages, disadvantages. Have a talk about what you wanna do. As I said, if you sign this and we start implementing the stages and you get to one, you go, hey. I don't wanna do that.\n\nIt's completely fluid. We can stop the advice. I can go back to the drawing board. I can talk to you about what your new goals are. I can do additional research on the different options and come back with a different strategy and change the strategy.\n\nSo all of this is fluid and liquid and can be changed every couple of weeks, every couple of months, every couple of days if you wanted to. So I just sort of sat down and worked out what your goals are now, what you both told me you wanted to achieve, and this is how we achieve that now. And then we can always change it down the track because, I mean, when we spoke in January and even a few weeks\n\nChannel 1: Yes.\n\nChannel 0: back, fuel wasn't as crazy. It has. It then kinda got really expensive and then really cheap, and then everything's still gotten really expensive, and there's still a lot of volatility out there. So there's a lot going on.\n\nChannel 1: Yeah. That's good. Yes. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. It's\n\nChannel 0: Yeah.\n\nChannel 1: always\n\nChannel 0: But\n\nChannel 1: always\n\nChannel 0: no\n\nChannel 1: good. And\n\nChannel 0: yeah.\n\nChannel 1: when it gets closed,\n\nChannel 0: Yep.\n\nChannel 1: it may retire. We'll talk about, you know, a bit more with that.\n\nChannel 0: Absolutely. Absolutely. What\n\nChannel 1: Yeah.\n\nChannel 0: I probably would like to do with you both, if you're comfortable, you can sign and take on the advice now. And then what we'll do is, Neil, we'll do your switch in the account, and then I can book you in for a bit of a catch up, say, the week of the June 20. We can do a bit of a catch up that night and say, hey. What's happening? You know, you're due to retire.\n\nWe can work out when your contribution is, make sure you're comfortable proceeding there. And then just before your sixtieth birthday, Caroline, we can always do another catch up then, and we can work out, you know, what you wanna do, how you wanna proceed, and we can update the advice as you need to. Okay?\n\nChannel 1: Yeah. Okay. That sounds good. That's good.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: So you'll have a bit of reading through those couple strategies there. Because with this strategy, Neil, we're not looking to withdraw anything out of your super as of yet. I would wanna, at the moment, with the current strategy, hold off until the 07/01/2027,\n\nChannel 1: Yes.\n\nChannel 0: in which point we would start to then draw down that regular income of $600 per week. One thing I wanted to show you was if you go down to page number 50 for me, and this is why it might be important to maybe revisit the strategy in September there for you, Caroline, is that given the current balance with where we'd expect you to be at July 2027 given the projection amount, if you're then withdrawing $600 per week, which meets the minimum requirement, it does actually show that your super is only gonna realistically last about seven years.\n\nChannel 1: Yep.\n\nChannel 0: So if we can look at other ways to boost super, maybe put some more money back in after the withdrawal, There are it's definitely all the strategies I would like to make, but I wanted to show you we can meet your goal here. It does then reduce the longevity of your super. But then also in six years, you're eligible for Centrelink. So you would essentially be able to retire now and then use up most of your super and end up on Centrelink, but then it does only mean you've got Centrelink from there on out, which can Centrelink doesn't always cover everyone's living expenses. It's not meant as an income replacement,\n\nChannel 1: Yeah.\n\nChannel 0: and it often often does leave people just on or just around the poverty line there. So it's not preferable. If, you know, after June, July, you tell me you're gonna go back to work, that's fine. I'll redo a strategy, and we'll work out what we do, you know, moving forward for you. So this is just what we do now to help you meet the goals that you that we've got, but this is also the the expected outcome based on that those recommendations.\n\nAnd I wanted to be honest with you, it does show that realistically about seven years in your super won't be there anymore, and we will have to rely solely on settling down the track. Okay?\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Oh, good. But you do have all those strategies in there for you to read over the advantages, the disadvantages, the risks involved, any alternatives I've looked at for you guys. And one thing I would like to do is because at this point with this recommendation and I would like you no matter what we do, but when we move you into an account based pension, if you go down to page number 58 for me, it's actually recommended that we set up a beneficiary a different way. So there are different types of beneficiary nominations that we can set up. You have a non lapsing oh, sorry.\n\nA nonbinding, which basically means that you file the nomination and the trustee decides what they what they're gonna do with the money. You have a binding nomination which binds the trustee. But then when you're in pension phase, you have what's called a reversionary. I am going to recommend, and I like this whenever there is a pension account, and I think it's really important for you guys moving forward even if we, you know, roll back or make changes to the strategy. For yourself, Neil, whenever you do have a pension account, we do set up a reversionary beneficiary.\n\nBecause what this essentially means is that if you were to pass away and you were in pension phase, if Carolyn didn't have much super or if we end up moving all of her super, whether it paid to the bank account or whether it go into your account to sort of grow together, she won't have any kinda income coming out. And when you have a binding nomination form, if you were to pass away and she didn't have any super there, it essentially means that she has to go through a claims process to get the money, and the pension payments actually stop. By having this reversionary beneficiary, it would mean that if you're in pension and say $600 is coming out of that pension every week and going to your bank account and you then pass away, that $600 continues to be paid to Carolyn. It does not stop. And that essentially means that the pension continues, which does not give her any income payments, which can be really important at that sort of time frame as well.\n\nSo\n\nChannel 1: Yep.\n\nChannel 0: I do wanna make sure that no matter what strategy we have, that we do always have access to and have applied a reversionary beneficiary to make sure that if anything did happen to you, haven't it been, I'd love it if nothing happens and you get through this retirement years and you enjoy yourself immensely. But if anything was to happen, that we are protecting Caroline and making\n\nChannel 1: Yep.\n\nChannel 0: sure that those income payments do continue. Yeah. Does that make sense?\n\nChannel 1: Yep. Certainly does.\n\nChannel 0: Yeah. It's just one thing that I do like about the pension stage. It's something that I try to make sure is implemented no matter what. I do think it's especially with the, you know, the cost of living and the way everything is. But even at that point in time when someone's passed away, there's often other expenses, family coming to town, you know, lots of food to buy, and there's lots of expenses going out everywhere.\n\nSo\n\nChannel 1: Yes.\n\nChannel 0: continuing those pension payments does does become quite an important aspect, and it's something that not a lot of people know about what a reversionary beneficiary is, but it's one thing that I kind of wanted to make sure that you were aware about and that no matter what we do, we always provide this level of protection\n\nChannel 1: Yep.\n\nChannel 0: with Carolyn because all of these strategies seem to be where Carolyn's super either gets drawn out to buy a caravan to cover the income payments in the banking account or goes into your Super. No matter what we do with that money, it makes it so she no longer has any Super there. So\n\nChannel 1: Yeah. No. I'm gonna\n\nChannel 0: making\n\nChannel 1: do that.\n\nChannel 0: sure she is protected long term and is able to draw income no matter the scenario\n\nChannel 1: Yep.\n\nChannel 0: puts a protection in place for both of you, but also for Carol and down the track there as well. Does that make sense?\n\nChannel 1: Certainly. Yeah.\n\nChannel 0: Yeah. Perfect. Now there is a lot there, and I completely understand.\n\nChannel 1: Yeah. It's\n\nChannel 0: I\n\nChannel 1: not\n\nChannel 0: always\n\nChannel 1: checking.\n\nChannel 0: try to go through it as easily as possible, but there is a lot to go through, especially on the phone. So I will let you guys go back now. Have a really good read of it page by page. Let me know if you do happen to have any questions there.\n\nChannel 1: Yep.\n\nChannel 0: If you decide you just wanna sign this and we start implementing it and we do catch ups down the track at all the stages, that's absolutely fine. If you decide right now there's something that you don't wanna go ahead with, that's absolutely fine. On the very last page, we've actually got a text box for you. So I believe it's down on page number 75. There should be a little text box there.\n\nIf there's any section of the strategy that you don't wanna take on board, you just write in the text box that you don't wish to take on this section or this strategy. You wanna change something. You just write it in there. If you're happy just to take all the recommendations for now, we'll get you to sign and return it back. And I'll make sure that at June, Neil, we do a catch up.\n\nWe talk about where you're at retirement wise, and then\n\nChannel 1: Yep.\n\nChannel 0: we can always do a catch up afterwards if you'd like to. And then Caroline, before you retire, we'll do a catch up there as well. So we get we give you those opportunities to change the strategy and make sure that we're evolving it as the year goes on because a lot can happen in a month, a lot can in six months. You just never\n\nChannel 1: Yeah.\n\nChannel 0: know what what\n\nChannel 1: Yeah.\n\nChannel 0: could happen.\n\nChannel 1: Yeah. I mean, like, I got a fine tool there because we're not due to go back to Wednesday.\n\nChannel 0: Yeah.\n\nChannel 1: And my son sent me a message today asking if I was working tomorrow. And I said, no. No. I don't go back to Wednesday. He said, do you wanna come and work a day with me?\n\nHe's building sheds. So that's what I intend to do after I've retired and then unretire.\n\nChannel 0: Beautiful. Beautiful. But is it a bit of cash in hand work, or is it full employment\n\nChannel 1: No. No. No.\n\nChannel 0: wise?\n\nChannel 1: No. It\n\nChannel 0: Or\n\nChannel 1: will be it will still be an income because I\n\nChannel 0: Yep.\n\nChannel 1: don't think he can actually pay cash out on the the I think\n\nChannel 0: Yeah.\n\nChannel 1: he's classed as a sole trader.\n\nChannel 0: Yeah. Makes sense. Yeah.\n\nChannel 1: Yeah. Sorry. Yep.\n\nChannel 0: Yeah. No. That's cool. That sounds really fun. Well, we'll definitely make sure that we catch up and, you know, alter the strategy after we start it.\n\nSo the first thing I\n\nChannel 1: Yep.\n\nChannel 0: would really like to do is just have that investment switch completed for you. And then in June, we do the pension and the drawdown. And then\n\nChannel 1: Yep.\n\nChannel 0: from there, we can do catch ups as you need it. I don't mind if you wanna catch up every two or three weeks. You tell me what you need, and I will make sure it happens for you.\n\nChannel 1: Yep.\n\nChannel 0: And then we can talk about what changes we need to make, what, you know, your what changes you have in your goals, and I can do all the different research required to come up with a new plan every so often. So we just keep evolving the strategy so it works\n\nChannel 1: Yep.\n\nChannel 0: for you guys long term.\n\nChannel 1: Alright.\n\nChannel 0: Okay?\n\nChannel 1: The only\n\nChannel 0: Yeah.\n\nChannel 1: thing that might change is that I retire a little bit earlier,\n\nChannel 0: Yep.\n\nChannel 1: And then and then, like I said, you know, just going to start unretiring after a couple of months and then go\n\nChannel 0: Yep.\n\nChannel 1: and work on me. I'm like\n\nChannel 0: And that's absolutely fine. Yeah.\n\nChannel 1: yep.\n\nChannel 0: No. Not a\n\nChannel 1: Okay.\n\nChannel 0: problem at all.\n\nChannel 1: Yeah.\n\nChannel 0: The only thing I I would be cautious about is, like, retiring early is no problem at all. It's just if we draw that 160 down before the June, then in pension phase, you still have to draw down the in the minimum income payment, which means more money has to come out of the pension.\n\nChannel 1: Okay. Yep. Alright.\n\nChannel 0: If we roll you back to accumulation, you don't have to meet that requirement, but it all has to be done before the July 1. So that's\n\nChannel 1: Yep.\n\nChannel 0: why I sort\n\nChannel 1: Yeah.\n\nChannel 0: of\n\nChannel 1: No.\n\nChannel 0: the way\n\nChannel 1: That's\n\nChannel 0: I worked\n\nChannel 1: alright.\n\nChannel 0: it is to draw that money down around the July 1. That way, you've met\n\nChannel 1: Yep.\n\nChannel 0: that requirement. You don't have to take more out of the pension account,\n\nChannel 1: Yep.\n\nChannel 0: and then we can either keep you there or roll you back. It's completely fine. We've met\n\nChannel 1: Okay.\n\nChannel 0: that requirement for the government, and they're not gonna make you take too much more out of your super. Okay?\n\nChannel 1: Very good. That sounds good.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. All good. Well, I will let you guys read it through. Let me know if there's any questions. I've got in there also how to implement, and it basically runs you through all the steps that I would complete step by step for implementation.\n\nAgain, if we change the strategy, those steps will change as well.\n\nChannel 1: Yep.\n\nChannel 0: Both of you are on 1.1% now. It is a coupling fee, and it will stay like that completely. Essentially, the way it does work, though, if we do end up drawing all of Carol and Sleeper out, you know, next year, Neil, your fee will probably go back to 1.65% again because it's just the one of you, but I'll make sure it's working for you. And if I can go into bat and get 1.1, I will absolutely do that for you. So,\n\nChannel 1: Fantastic.\n\nChannel 0: yeah, I will always work for you.\n\nChannel 1: Yep.\n\nChannel 0: My job is to work invest in just for you guys. So I know this is a lot. I'm so sorry. I'll I'll let you guys have a bit of a read through it. Let me know if there's any questions at all.\n\nChannel 1: Yeah. So we sign it. It's not just the end of the way it shows it, and then it's that that's also okay.\n\nChannel 0: I'm so sorry, Caroline. The phone just cut out. Can you repeat that for me? I'm so sorry.\n\nChannel 1: Yes. So we've done everything now. If there's anything\n\nChannel 0: Yep.\n\nChannel 1: can we is gonna change? We'll let you know when we check next, and we\n\nChannel 0: Yeah.\n\nChannel 1: can always\n\nChannel 0: Abs\n\nChannel 1: cancel. Yeah.\n\nChannel 0: yeah. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: Did you\n\nChannel 1: That's\n\nChannel 0: want\n\nChannel 1: good.\n\nChannel 0: me what I'll what I'll do is once you've read it through, if you have any questions, let me know. If\n\nChannel 1: Yes.\n\nChannel 0: you decide to sign it and return it back, I will get my lovely administration team member, Michelle. She'll give you a call, and she can find out when you want the next catch up to be. She'll book it in my calendar, and we'll make sure we catch up for that date, as we're going through so we can update the strategy for you. Does that work for you guys?\n\nChannel 1: Yep. Yeah. It works. Yep.\n\nChannel 0: Yeah. All good.\n\nChannel 1: Good.\n\nChannel 0: All good. Beautiful. Beautiful. I'm sure this is not what you expected.\n\nChannel 1: That's right. No problem. That's good. We need to get a sort of understanding what's gonna happen in the future, which is good.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah. Yeah. So that's good to know. So\n\nChannel 0: Yeah.\n\nChannel 1: might might have to rethink what I'm gonna do before I retire.\n\nChannel 0: Yeah. And that's okay. We can\n\nChannel 1: Yeah.\n\nChannel 0: do plenty of\n\nChannel 1: Yeah.\n\nChannel 0: other research, and we'll come up with another strategy. It'd be absolutely fine. So yeah.\n\nChannel 1: Yeah. Alright. Good.\n\nChannel 0: Good.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: But it does there is light at the end of the tunnel for you both. You both get to, you know, sit back and enjoy life a little bit more down the track.\n\nChannel 1: Yeah.\n\nChannel 0: There is light there.\n\nChannel 1: That's that's great. Yeah. It's fine. That's so good.\n\nChannel 0: Yeah. All good. Well, I will let you go. Have a bit of a read through. Let me know if there's any questions, and just take some time to talk it over, and feel free to let me know if there's anything you need in the meantime.\n\nOkay?\n\nChannel 1: Okay. Okay. Yep. Sounds great. And we'll hear from you on the what?\n\nOn the July 20?\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. So it's on June.\n\nChannel 1: Yeah.\n\nChannel 0: Around the June 20. So let's actually book something in now for you then, Neil. Just what we've got you because my calendar does book out quite quickly. So let's go. June 20 is a Sunday, and you're\n\nChannel 1: Passcode.\n\nChannel 0: essentially the twenty fifth is a Thursday. Did you want me to make it the Monday the twenty second?\n\nChannel 1: Yes? Yes. Yes.\n\nChannel 0: Is\n\nChannel 1: No\n\nChannel 0: that\n\nChannel 1: worries.\n\nChannel 0: okay? Or did you\n\nChannel 1: Yep.\n\nChannel 0: want it the week before?\n\nChannel 1: No. No. The Monday, the twenty second, you're good.\n\nChannel 0: Yep. Perfect. Alright. So and 04:00 your time is preferable?\n\nChannel 1: Yes? Yes.\n\nChannel 0: Yep. Beautiful. So\n\nChannel 1: What\n\nChannel 0: I'll\n\nChannel 1: about\n\nChannel 0: book\n\nChannel 1: it?\n\nChannel 0: that one in\n\nChannel 1: I'll\n\nChannel 0: for\n\nChannel 1: still\n\nChannel 0: you.\n\nChannel 1: be working then. Unless I take a week week of sickies.\n\nChannel 0: Oh, that's I mean, how much sick leave do you have?\n\nChannel 1: Just short of five weeks.\n\nChannel 0: Wow. Wow.\n\nChannel 1: And they won't pay that long.\n\nChannel 0: No. They don't. I know. My mom's gonna retire soon, and I said to her, look. You need to use some of your sick leave up.\n\nChannel 1: Yeah.\n\nChannel 0: Can you\n\nChannel 1: Yeah.\n\nChannel 0: catch a cold here and there? And she's like, I probably could,\n\nChannel 1: Well,\n\nChannel 0: actually.\n\nChannel 1: I still play a lot of squash and I'm prone to injuries now.\n\nChannel 0: Nice. Never never wanna be happy about injuries, but in this\n\nChannel 1: No.\n\nChannel 0: instance, I think\n\nChannel 1: No.\n\nChannel 0: you should enjoy those injuries. Yeah.\n\nChannel 1: Yeah. But I I do have a good physio because he also plays golf.\n\nChannel 0: Oh,\n\nChannel 1: And he's\n\nChannel 0: yeah.\n\nChannel 1: also the worst physio.\n\nChannel 0: Oh,\n\nChannel 1: So he\n\nChannel 0: really?\n\nChannel 1: understands so he understands that they're the not not the nicest people to work for. Yeah.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: They're not. They're not great at all. They're a bit worried about going back to work. Mhmm.\n\nChannel 0: Yeah.\n\nChannel 1: Anyway, that's how we share, not yours.\n\nChannel 0: Yeah. No. Oh, good. Well, I booked that one in for you\n\nChannel 1: Yep.\n\nChannel 0: there for the June 22 for a bit of a catch up in relation to the strategy. But like I said, if there's any questions, I can book you in again before that appointment. You don't have to wait till then. And\n\nChannel 1: Okay.\n\nChannel 0: if you just wanna start the strategy, I'll get you to sign and return it back, and then we can update things as we go. It's not a problem. Okay?\n\nChannel 1: Alright. It sounds fine. Thank you.\n\nChannel 0: Oh, my pleasure. Thank you so much for allowing me to put that together. I really enjoyed that research component, and I'm so sorry I had to reschedule the last appointment for you both.\n\nChannel 1: No. That's alright. That's alright. Alright. Do you understand?\n\nYeah. That's okay.\n\nChannel 0: Oh, thank you so much. I hope you both have a lovely evening.\n\nChannel 1: Yes. You too, Dana.\n\nChannel 0: All good. I'll talk to you both very soon.\n\nChannel 1: Okay. Bye for now. Bye.\n\nChannel 0: Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Speaking.","start":0.16,"end":0.65999997,"sentiment":"neutral","sentiment_score":0.04324451833963394}],"sentiment":"neutral","sentiment_score":0.04324451833963394,"channel":1,"num_words":1,"start":0.16,"end":0.65999997},{"sentences":[{"text":"Hi, Neil.","start":1.28,"end":1.8399999,"sentiment":"neutral","sentiment_score":0.14216317236423492},{"text":"It's Dana from Oakey Financial.","start":1.8399999,"end":3.54,"sentiment":"neutral","sentiment_score":0.19650640189647675},{"text":"How are you this afternoon?","start":3.6,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.29717772006988524}],"sentiment":"neutral","sentiment_score":0.22939557954669,"channel":0,"num_words":12,"start":1.28,"end":4.8199997},{"sentences":[{"text":"Very well.","start":5.2,"end":5.92,"sentiment":"positive","sentiment_score":0.6047280132770538},{"text":"Thank you.","start":5.92,"end":6.3999996,"sentiment":"positive","sentiment_score":0.6232656538486481},{"text":"And yourself?","start":6.3999996,"end":7.06,"sentiment":"positive","sentiment_score":0.35162094235420227}],"sentiment":"positive","sentiment_score":0.526538203159968,"channel":1,"num_words":6,"start":5.2,"end":7.06},{"sentences":[{"text":"I'm very well.","start":7.52,"end":8.4,"sentiment":"positive","sentiment_score":0.535545806090037},{"text":"Thank you.","start":8.4,"end":8.8,"sentiment":"positive","sentiment_score":0.5727440416812897},{"text":"I do apologize for rescheduling last time.","start":8.8,"end":11.04,"sentiment":"neutral","sentiment_score":-0.11482082094464983},{"text":"I 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planning, we can just always change the strategy and move on to the next thing and update","start":487.19498,"end":493.03497,"sentiment":"neutral","sentiment_score":0.24696322447723812}],"sentiment":"neutral","sentiment_score":0.24696322447723812,"channel":0,"num_words":18,"start":487.19498,"end":493.03497},{"sentences":[{"text":"Yep.","start":492.725,"end":493.225,"sentiment":"neutral","sentiment_score":0.16354353725910187}],"sentiment":"neutral","sentiment_score":0.16354353725910187,"channel":1,"num_words":1,"start":492.725,"end":493.225},{"sentences":[{"text":"things.","start":493.03497,"end":493.51498,"sentiment":"neutral","sentiment_score":0.17589068412780762},{"text":"There is no issues in any way, shape, or form.","start":493.51498,"end":495.835,"sentiment":"neutral","sentiment_score":0.18866596594452859},{"text":"I the strategy, as I said, is very fluid.","start":495.835,"end":498.16,"sentiment":"positive","sentiment_score":0.39724740717146134},{"text":"We can change it at any point.","start":498.22,"end":499.90002,"sentiment":"positive","sentiment_score":0.40460892234529766},{"text":"We can update it.","start":499.90002,"end":500.86002,"sentiment":"positive","sentiment_score":0.37313276529312134}],"sentiment":"neutral","sentiment_score":0.3213732427647037,"channel":0,"num_words":31,"start":493.03497,"end":500.86002},{"sentences":[{"text":"I can do an advice document every couple of months for you if you wanted to change your goals.","start":500.86002,"end":505.26,"sentiment":"positive","sentiment_score":0.41707291571717514},{"text":"So there is no issue with that at any point.","start":505.26,"end":507.5,"sentiment":"positive","sentiment_score":0.4371104657649994},{"text":"You just let me know how you're tracking.","start":507.5,"end":509.28003,"sentiment":"neutral","sentiment_score":0.2730405405163765},{"text":"Okay?","start":509.34003,"end":509.84003,"sentiment":"neutral","sentiment_score":0.2027970552444458}],"sentiment":"positive","sentiment_score":0.3863845114645205,"channel":0,"num_words":38,"start":500.86002,"end":509.84003},{"sentences":[{"text":"Yep.","start":510.5,"end":511.0,"sentiment":"neutral","sentiment_score":0.07278779149055481}],"sentiment":"neutral","sentiment_score":0.07278779149055481,"channel":1,"num_words":1,"start":510.5,"end":511.0},{"sentences":[{"text":"To the next page, no.","start":512.235,"end":514.075,"sentiment":"neutral","sentiment_score":-0.00807426292449236},{"text":"Page number seven has a limited scope.","start":514.075,"end":516.075,"sentiment":"neutral","sentiment_score":-0.033386316150426865},{"text":"So I've scoped in Social Security just to a limited scope there.","start":516.075,"end":519.275,"sentiment":"neutral","sentiment_score":-0.012519503866011897},{"text":"So because you are 61 at the moment, Neil, you can't access to the age of six sorry.","start":519.275,"end":524.635,"sentiment":"neutral","sentiment_score":-0.05100518475390143},{"text":"You can't access Social Security or FenderLink until the age of 67.","start":524.635,"end":528.57,"sentiment":"neutral","sentiment_score":-0.09970208661009868}],"sentiment":"neutral","sentiment_score":-0.04701533220294449,"channel":0,"num_words":54,"start":512.235,"end":528.57},{"sentences":[{"text":"So","start":528.57,"end":529.07,"sentiment":"neutral","sentiment_score":-0.05545223504304886}],"sentiment":"neutral","sentiment_score":-0.05545223504304886,"channel":0,"num_words":1,"start":528.57,"end":529.07},{"sentences":[{"text":"Nope.","start":529.22504,"end":529.72504,"sentiment":"neutral","sentiment_score":-0.08503247797489166}],"sentiment":"neutral","sentiment_score":-0.08503247797489166,"channel":1,"num_words":1,"start":529.22504,"end":529.72504},{"sentences":[{"text":"we do wanna sort of make sure when you get to that point that you are able to access it.","start":529.45,"end":533.87,"sentiment":"neutral","sentiment_score":0.0028354521840810777},{"text":"I've scoped it into only a limited basis, which means I'm looking at the long term effects of the recommendations that we've made and how they relate to Social Security and whether you might be eligible for it down the track based on your current circumstances.","start":533.93,"end":546.065,"sentiment":"neutral","sentiment_score":0.12601914726521657},{"text":"And as you get close to the age 67, we can keep reviewing these strategies.","start":546.685,"end":550.545,"sentiment":"neutral","sentiment_score":0.15673062403996785},{"text":"And when you're actually almost there, we can look at what level of Social Security is available, how to maximize that for you, and make sure it helps you to get longevity out of your sleep or down the track as well.","start":550.685,"end":562.02,"sentiment":"neutral","sentiment_score":0.26588903686829973}],"sentiment":"neutral","sentiment_score":0.157495030300404,"channel":0,"num_words":123,"start":529.45,"end":562.02},{"sentences":[{"text":"Yes.","start":561.69,"end":562.19,"sentiment":"neutral","sentiment_score":0.14585933089256287}],"sentiment":"neutral","sentiment_score":0.14585933089256287,"channel":1,"num_words":1,"start":561.69,"end":562.19},{"sentences":[{"text":"Okay?","start":562.02,"end":562.52,"sentiment":"neutral","sentiment_score":0.22851428389549255},{"text":"Excellent.","start":564.18,"end":564.68,"sentiment":"positive","sentiment_score":0.4905903935432434},{"text":"On the next page, page number eight, areas that we scoped out.","start":565.30005,"end":568.26,"sentiment":"neutral","sentiment_score":0.05628007727985581},{"text":"So you guys don't have any insurances, personal insurances at the moment.","start":568.26,"end":572.065,"sentiment":"neutral","sentiment_score":-0.11878946392486493},{"text":"With your ages, it is very hard to obtain new cover.","start":572.44495,"end":575.00494,"sentiment":"neutral","sentiment_score":-0.2923786220225421}],"sentiment":"neutral","sentiment_score":-0.08776142714998207,"channel":0,"num_words":37,"start":562.02,"end":575.00494},{"sentences":[{"text":"It is very expensive.","start":575.00494,"end":576.065,"sentiment":"negative","sentiment_score":-0.3526844307780266},{"text":"Your focus is essentially on retirement, paying down your debts, and, you know, enjoying your super and those, you know, retirement years down the track.","start":576.44495,"end":584.2,"sentiment":"neutral","sentiment_score":0.3291978001594543},{"text":"So we're not scoping in any recommendations","start":584.2,"end":586.22,"sentiment":"neutral","sentiment_score":-0.07354423084429332}],"sentiment":"neutral","sentiment_score":0.17512215736011663,"channel":0,"num_words":36,"start":575.00494,"end":586.22},{"sentences":[{"text":"Okay.","start":585.77,"end":586.27,"sentiment":"neutral","sentiment_score":-0.0788138210773468}],"sentiment":"neutral","sentiment_score":-0.0788138210773468,"channel":1,"num_words":1,"start":585.77,"end":586.27},{"sentences":[{"text":"around the insurance side of things.","start":586.6,"end":588.45996,"sentiment":"neutral","sentiment_score":-0.01985226571559906},{"text":"Okay?","start":588.68,"end":589.18,"sentiment":"neutral","sentiment_score":0.05602194368839264},{"text":"Excellent.","start":590.27997,"end":590.77997,"sentiment":"positive","sentiment_score":0.639919102191925},{"text":"To make this a bit easier, I will sort of go forward past a couple of pages.","start":592.12,"end":596.67505,"sentiment":"positive","sentiment_score":0.3754294462063733},{"text":"When you guys after the call, you're welcome to go back and have a really good rate of the document.","start":596.73505,"end":600.835,"sentiment":"positive","sentiment_score":0.6368480414152146}],"sentiment":"positive","sentiment_score":0.43769086367554133,"channel":0,"num_words":45,"start":586.6,"end":600.835},{"sentences":[{"text":"Yeah.","start":600.73,"end":601.23,"sentiment":"neutral","sentiment_score":0.29075977206230164}],"sentiment":"neutral","sentiment_score":0.29075977206230164,"channel":1,"num_words":1,"start":600.73,"end":601.23},{"sentences":[{"text":"Let me know if there's any changes that you do wanna make and sort of taking because this is quite long.","start":601.29504,"end":607.55505,"sentiment":"neutral","sentiment_score":0.07063334275569234},{"text":"I'll skip through quite a few sections and just sorta hit the points that I need to hit for you to make it easier, and then you'll","start":607.695,"end":613.48,"sentiment":"neutral","sentiment_score":0.19333571112818188}],"sentiment":"neutral","sentiment_score":0.1396534249652177,"channel":0,"num_words":48,"start":601.29504,"end":613.48},{"sentences":[{"text":"Yep.","start":613.445,"end":613.945,"sentiment":"positive","sentiment_score":0.4691081643104553}],"sentiment":"positive","sentiment_score":0.4691081643104553,"channel":1,"num_words":1,"start":613.445,"end":613.945},{"sentences":[{"text":"definitely be able to go back and have a really good read a bit together.","start":613.48,"end":616.22,"sentiment":"positive","sentiment_score":0.568878302971522},{"text":"Okay?","start":616.36,"end":616.86,"sentiment":"neutral","sentiment_score":0.13486258685588837}],"sentiment":"positive","sentiment_score":0.5417523207142949,"channel":0,"num_words":16,"start":613.48,"end":616.86},{"sentences":[{"text":"Yep.","start":617.92,"end":618.42,"sentiment":"neutral","sentiment_score":0.23829039931297305}],"sentiment":"neutral","sentiment_score":0.23829039931297305,"channel":1,"num_words":1,"start":617.92,"end":618.42},{"sentences":[{"text":"Excellent.","start":618.92,"end":619.42,"sentiment":"positive","sentiment_score":0.47488367557525635},{"text":"So I've set it out in three different stages for you.","start":619.56,"end":622.27997,"sentiment":"neutral","sentiment_score":0.18619286201216959},{"text":"Stage number one is what we're gonna do now.","start":622.27997,"end":624.86,"sentiment":"neutral","sentiment_score":0.06905228396256764},{"text":"So, Neil, the first recommendation is based on yourself here, and I am recommending for now we do retain your current strategy.","start":625.605,"end":632.405,"sentiment":"neutral","sentiment_score":0.08214691873978484},{"text":"You've got your TTR strategy.","start":632.405,"end":633.845,"sentiment":"neutral","sentiment_score":0.08900165110826493}],"sentiment":"neutral","sentiment_score":0.11243158710810046,"channel":0,"num_words":48,"start":618.92,"end":633.845},{"sentences":[{"text":"So you have your pension account and your super account in accumulation For the time being up until the 06/25/2026 when you officially retire, we are recommending that you retain that account for now.","start":633.845,"end":646.32,"sentiment":"neutral","sentiment_score":0.04262673213858815},{"text":"Retain everything as it is because it is working.","start":646.32,"end":648.63995,"sentiment":"neutral","sentiment_score":0.16453728866246012},{"text":"You've got your contributions going into super, and you're drawing down a bit of income to offset what's being put into super.","start":648.63995,"end":655.005,"sentiment":"neutral","sentiment_score":-0.13522680069912563},{"text":"So if we were to look at changing that and stopping it now, you'd end up with a little bit less money at the end of the day.","start":655.005,"end":661.265,"sentiment":"neutral","sentiment_score":-0.23058754179094518}],"sentiment":"neutral","sentiment_score":-0.06990641177261389,"channel":0,"num_words":93,"start":633.845,"end":661.265},{"sentences":[{"text":"Yeah.","start":661.38495,"end":661.70496,"sentiment":"neutral","sentiment_score":-0.04936865344643593},{"text":"No.","start":661.70496,"end":661.865,"sentiment":"neutral","sentiment_score":-0.1310279369354248},{"text":"So we'll continue with that.","start":661.865,"end":664.02496,"sentiment":"neutral","sentiment_score":-0.0748999610543251},{"text":"But how will that","start":664.02496,"end":664.745,"sentiment":"neutral","sentiment_score":-0.031454917043447495}],"sentiment":"neutral","sentiment_score":-0.06188327852975239,"channel":1,"num_words":11,"start":661.38495,"end":664.745},{"sentences":[{"text":"Yep.","start":664.605,"end":665.105,"sentiment":"neutral","sentiment_score":-0.020974259823560715}],"sentiment":"neutral","sentiment_score":-0.020974259823560715,"channel":0,"num_words":1,"start":664.605,"end":665.105},{"sentences":[{"text":"work when I retire because I won't have an income?","start":664.745,"end":667.32495,"sentiment":"neutral","sentiment_score":-0.08917159214615822}],"sentiment":"neutral","sentiment_score":-0.08917159214615822,"channel":1,"num_words":10,"start":664.745,"end":667.32495},{"sentences":[{"text":"No.","start":667.66003,"end":667.9,"sentiment":"neutral","sentiment_score":-0.19483652710914612},{"text":"That'll that will absolutely stop.","start":667.9,"end":669.66003,"sentiment":"neutral","sentiment_score":-0.20843828916549684},{"text":"So we're gonna continue that up until the 06/25/2026 when you officially retire.","start":669.66003,"end":674.96,"sentiment":"neutral","sentiment_score":-0.023951930925250053}],"sentiment":"neutral","sentiment_score":-0.08149489868236215,"channel":0,"num_words":19,"start":667.66003,"end":674.96},{"sentences":[{"text":"Yep.","start":674.75,"end":675.25,"sentiment":"neutral","sentiment_score":0.0625511035323143}],"sentiment":"neutral","sentiment_score":0.0625511035323143,"channel":1,"num_words":1,"start":674.75,"end":675.25},{"sentences":[{"text":"We're also going to so we're retaining your super and your pension account as they are for the moment, but we are doing an investment switch for you.","start":676.46,"end":684.025,"sentiment":"neutral","sentiment_score":0.10485255957714149},{"text":"So I had a really good look at the way your super was and the investments that you do have in your super at the moment.","start":684.025,"end":689.96497,"sentiment":"neutral","sentiment_score":0.25878694001585245}],"sentiment":"neutral","sentiment_score":0.17896911312170602,"channel":0,"num_words":54,"start":676.46,"end":689.96497},{"sentences":[{"text":"20","start":690.345,"end":690.845,"sentiment":"neutral","sentiment_score":0.04933386296033859}],"sentiment":"neutral","sentiment_score":0.04933386296033859,"channel":1,"num_words":1,"start":690.345,"end":690.845},{"sentences":[{"text":"And we know that if you go down to page 21 for me, this is essentially the changes we wanna make now to your super and your pension account.","start":690.425,"end":698.04,"sentiment":"neutral","sentiment_score":0.09185328565794847},{"text":"Okay?","start":698.1,"end":698.6,"sentiment":"neutral","sentiment_score":0.04791303724050522}],"sentiment":"neutral","sentiment_score":0.09038861071070035,"channel":0,"num_words":30,"start":690.425,"end":698.6},{"sentences":[{"text":"20","start":700.185,"end":700.505,"sentiment":"neutral","sentiment_score":0.025643961504101753}],"sentiment":"neutral","sentiment_score":0.025643961504101753,"channel":1,"num_words":1,"start":700.185,"end":700.505},{"sentences":[{"text":"The 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alright.","start":702.82,"end":703.56,"sentiment":"neutral","sentiment_score":0.06022761017084122}],"sentiment":"neutral","sentiment_score":0.06022761017084122,"channel":0,"num_words":2,"start":702.82,"end":703.56},{"sentences":[{"text":"might say","start":703.46497,"end":703.945,"sentiment":"neutral","sentiment_score":0.029275842010974884}],"sentiment":"neutral","sentiment_score":0.029275842010974884,"channel":1,"num_words":2,"start":703.46497,"end":703.945},{"sentences":[{"text":"Tell","start":703.94,"end":704.1,"sentiment":"neutral","sentiment_score":0.042742595076560974}],"sentiment":"neutral","sentiment_score":0.042742595076560974,"channel":0,"num_words":1,"start":703.94,"end":704.1},{"sentences":[{"text":"it.","start":703.945,"end":704.105,"sentiment":"neutral","sentiment_score":0.04580260068178177},{"text":"You might say it.","start":704.105,"end":704.88,"sentiment":"neutral","sentiment_score":0.035664298571646214}],"sentiment":"neutral","sentiment_score":0.03769195899367332,"channel":1,"num_words":5,"start":703.945,"end":704.88},{"sentences":[{"text":"you're fine.","start":705.3,"end":705.86,"sentiment":"neutral","sentiment_score":0.09463349357247353},{"text":"You tell me to slow down.","start":705.86,"end":707.14,"sentiment":"neutral","sentiment_score":-0.17981910208861032},{"text":"I'm so sorry.","start":707.14,"end":707.94,"sentiment":"neutral","sentiment_score":-0.26803948481877643},{"text":"My computer might be going faster than you guys.","start":707.94,"end":710.44,"sentiment":"neutral","sentiment_score":-0.3177439686324861},{"text":"So the first thing here is that with the Benelon Australian Equities and the Bank Hybrid there, the Benelon Australian Equities in your portfolio has been underperforming a little bit over the past sort of couple of months there.","start":712.065,"end":724.305,"sentiment":"neutral","sentiment_score":-0.24719512978425393}],"sentiment":"neutral","sentiment_score":-0.24057748913764954,"channel":0,"num_words":59,"start":705.3,"end":724.305},{"sentences":[{"text":"So we wanna remove that investment and do","start":724.305,"end":727.19995,"sentiment":"neutral","sentiment_score":-0.24572097696363926}],"sentiment":"neutral","sentiment_score":-0.24572097696363926,"channel":0,"num_words":8,"start":724.305,"end":727.19995},{"sentences":[{"text":"Yep.","start":727.165,"end":727.665,"sentiment":"neutral","sentiment_score":-0.084843210875988}],"sentiment":"neutral","sentiment_score":-0.084843210875988,"channel":1,"num_words":1,"start":727.165,"end":727.665},{"sentences":[{"text":"a bit of a switch for yourself.","start":727.19995,"end":728.74,"sentiment":"neutral","sentiment_score":-0.01813813192503793},{"text":"So we are gonna sell down all the Benelon Australian 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is","start":743.005,"end":744.045,"sentiment":"neutral","sentiment_score":0.3275511662165324}],"sentiment":"neutral","sentiment_score":0.1357646066023678,"channel":0,"num_words":61,"start":727.19995,"end":744.045},{"sentences":[{"text":"Yep.","start":743.99005,"end":744.49005,"sentiment":"positive","sentiment_score":0.41223472356796265}],"sentiment":"positive","sentiment_score":0.41223472356796265,"channel":1,"num_words":1,"start":743.99005,"end":744.49005},{"sentences":[{"text":"worth selling those down now, making it easier.","start":744.045,"end":746.70496,"sentiment":"positive","sentiment_score":0.3593709710985422},{"text":"That way, we don't have to sell them down in the future when the time comes.","start":747.165,"end":750.785,"sentiment":"neutral","sentiment_score":0.22114846110343933}],"sentiment":"neutral","sentiment_score":0.26722263110180694,"channel":0,"num_words":24,"start":744.045,"end":750.785},{"sentences":[{"text":"Yep.","start":751.235,"end":751.735,"sentiment":"neutral","sentiment_score":0.2427419126033783}],"sentiment":"neutral","sentiment_score":0.2427419126033783,"channel":1,"num_words":1,"start":751.235,"end":751.735},{"sentences":[{"text":"We're selling down the the Benelon Australian equities.","start":752.07996,"end":754.8,"sentiment":"neutral","sentiment_score":0.1879638722166419},{"text":"We're gonna move all that money into the BetaShares a 200, which is the one on the bottom there.","start":754.8,"end":759.86,"sentiment":"neutral","sentiment_score":0.2584627984385741},{"text":"So the BetaShares a two hundred is still giving you exposure to Australian equities.","start":759.92,"end":764.57996,"sentiment":"positive","sentiment_score":0.3715086260012218},{"text":"It's actually","start":764.875,"end":765.35504,"sentiment":"positive","sentiment_score":0.5773837864398956}],"sentiment":"neutral","sentiment_score":0.2969858717433242,"channel":0,"num_words":43,"start":752.07996,"end":765.35504},{"sentences":[{"text":"Yep.","start":765.26,"end":765.76,"sentiment":"positive","sentiment_score":0.601930558681488}],"sentiment":"positive","sentiment_score":0.601930558681488,"channel":1,"num_words":1,"start":765.26,"end":765.76},{"sentences":[{"text":"helping to provide more diversification to your portfolio because, Banda Long Australian equities holds anywhere between 20 to 30 different investments within it, whereas the BetaShares a 200 holds the top 200 companies on the ASX.","start":765.35504,"end":779.53503,"sentiment":"positive","sentiment_score":0.41328634528650177},{"text":"So you've actually got more exposure to Australian equities, creating more diversification for you, which is overall helping to reduce the risk of your portfolio.","start":779.69,"end":787.79,"sentiment":"positive","sentiment_score":0.5970930302143097},{"text":"It's also more of a passively managed fund.","start":789.20996,"end":791.85,"sentiment":"positive","sentiment_score":0.4258221313357353},{"text":"So the way we see investment managers is there's an active manager, which means if that manager is buying and selling investments and trying to outperform against the market, and you tend to pay a bit more money to have that kind of an investment in your portfolio.","start":791.85,"end":806.03503,"sentiment":"neutral","sentiment_score":0.09027092632216711},{"text":"Whereas a passive manager is just looking to track the market.","start":806.52997,"end":809.99,"sentiment":"neutral","sentiment_score":0.04678374427286061}],"sentiment":"neutral","sentiment_score":0.2973424756783061,"channel":0,"num_words":128,"start":765.35504,"end":809.99},{"sentences":[{"text":"So with the beta shares a 200, they're just tracking the top 200 companies on the ASX, and it's often cheaper to have more of a passively managed investment in your portfolio.","start":810.61,"end":820.15,"sentiment":"neutral","sentiment_score":0.24758918350562453},{"text":"So it's giving you more diversification, still giving","start":820.655,"end":823.53503,"sentiment":"positive","sentiment_score":0.5389909036457539}],"sentiment":"neutral","sentiment_score":0.3058695275336504,"channel":0,"num_words":40,"start":810.61,"end":823.53503},{"sentences":[{"text":"Yep.","start":823.51,"end":824.01,"sentiment":"positive","sentiment_score":0.5383227467536926}],"sentiment":"positive","sentiment_score":0.5383227467536926,"channel":1,"num_words":1,"start":823.51,"end":824.01},{"sentences":[{"text":"you exposure to Australian equities, helping to reduce the risk of your portfolio, but it's also a cheaper investment for you as well.","start":823.53503,"end":831.075,"sentiment":"positive","sentiment_score":0.49553092407143634},{"text":"Okay?","start":831.215,"end":831.715,"sentiment":"neutral","sentiment_score":0.11946523934602736}],"sentiment":"positive","sentiment_score":0.47986152054121095,"channel":0,"num_words":24,"start":823.53503,"end":831.715},{"sentences":[{"text":"Okay.","start":831.51,"end":832.005,"sentiment":"neutral","sentiment_score":0.09928849339485168}],"sentiment":"neutral","sentiment_score":0.09928849339485168,"channel":1,"num_words":1,"start":831.51,"end":832.005},{"sentences":[{"text":"Yeah.","start":832.91003,"end":833.31,"sentiment":"neutral","sentiment_score":0.11883697658777236},{"text":"So we'll put that into your portfolio and get rid of the then along there.","start":833.31,"end":836.93005,"sentiment":"neutral","sentiment_score":0.098715607325236},{"text":"And then we're getting rid of the bank hybrids removing them because they are being phased out as an investment.","start":837.15,"end":842.29004,"sentiment":"neutral","sentiment_score":-0.07637874018400907},{"text":"And to keep that defensive component for you, we're gonna put the money into the iShares core compass bond.","start":842.59,"end":849.28503,"sentiment":"neutral","sentiment_score":0.18088647880052267},{"text":"Essentially, these are both corporate and bank and government bonds.","start":849.28503,"end":853.465,"sentiment":"neutral","sentiment_score":0.12035119608044624}],"sentiment":"neutral","sentiment_score":0.07249771293539267,"channel":0,"num_words":65,"start":832.91003,"end":853.465},{"sentences":[{"text":"Bonds are really great as defensive investments because they pay income payments on a regular basis.","start":854.085,"end":859.145,"sentiment":"neutral","sentiment_score":0.3212483022361994},{"text":"Think of them sort of like a term deposit.","start":859.445,"end":861.31,"sentiment":"neutral","sentiment_score":0.1665976577334934},{"text":"You're putting some money into these bonds, and every month or two or three, they're giving you income payments or, you know, like, interest payments out of the the term deposit, essentially.","start":861.31,"end":871.97,"sentiment":"neutral","sentiment_score":0.17931321845389903},{"text":"And those income payments get paid back into your cash account and reinvested back into your portfolio for you, which helps with the compounding effect.","start":872.02997,"end":880.33496,"sentiment":"neutral","sentiment_score":0.2669494903087616},{"text":"So we had","start":880.33496,"end":881.375,"sentiment":"neutral","sentiment_score":0.2788821756839752}],"sentiment":"neutral","sentiment_score":0.23397362977266312,"channel":0,"num_words":85,"start":854.085,"end":881.375},{"sentences":[{"text":"Yep.","start":881.35,"end":881.85,"sentiment":"neutral","sentiment_score":0.2683970332145691}],"sentiment":"neutral","sentiment_score":0.2683970332145691,"channel":1,"num_words":1,"start":881.35,"end":881.85},{"sentences":[{"text":"a really good look at everything, and we decided to make this small change now to your portfolio just to make sure things were working a bit harder for you for the time being, but also making sure we're getting rid of those investments that are underperforming for you.","start":881.375,"end":894.75,"sentiment":"neutral","sentiment_score":0.1052881752958103},{"text":"Okay?","start":894.81,"end":895.31,"sentiment":"neutral","sentiment_score":0.035573430359363556}],"sentiment":"neutral","sentiment_score":0.10389388039708138,"channel":0,"num_words":50,"start":881.375,"end":895.31},{"sentences":[{"text":"Yep.","start":895.285,"end":895.785,"sentiment":"neutral","sentiment_score":0.04740704596042633}],"sentiment":"neutral","sentiment_score":0.04740704596042633,"channel":1,"num_words":1,"start":895.285,"end":895.785},{"sentences":[{"text":"Yeah.","start":896.41,"end":896.91,"sentiment":"neutral","sentiment_score":0.05264115333557129},{"text":"On the next page, you'll see your cash account 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for you.","start":931.32,"end":935.52496,"sentiment":"neutral","sentiment_score":0.3070232460896174},{"text":"Okay?","start":935.52496,"end":936.02496,"sentiment":"neutral","sentiment_score":0.12526865303516388}],"sentiment":"neutral","sentiment_score":0.14011032445662058,"channel":0,"num_words":67,"start":918.83997,"end":936.02496},{"sentences":[{"text":"Yep.","start":935.88995,"end":936.38995,"sentiment":"neutral","sentiment_score":0.23961099982261655}],"sentiment":"neutral","sentiment_score":0.23961099982261655,"channel":1,"num_words":1,"start":935.88995,"end":936.38995},{"sentences":[{"text":"Perfect.","start":937.20496,"end":937.70496,"sentiment":"positive","sentiment_score":0.5111711025238037},{"text":"Now that is your super account.","start":938.245,"end":940.245,"sentiment":"neutral","sentiment_score":0.3193531781435013},{"text":"You will note the balance on that previous page is only about 50,007","start":940.245,"end":944.805,"sentiment":"neutral","sentiment_score":0.1646835311101033}],"sentiment":"neutral","sentiment_score":0.22840880379080772,"channel":0,"num_words":20,"start":937.20496,"end":944.805},{"sentences":[{"text":"Yep.","start":944.77496,"end":945.27496,"sentiment":"neutral","sentiment_score":0.08251652866601944}],"sentiment":"neutral","sentiment_score":0.08251652866601944,"channel":1,"num_words":1,"start":944.77496,"end":945.27496},{"sentences":[{"text":"85.","start":944.805,"end":945.625,"sentiment":"neutral","sentiment_score":0.09558168798685074},{"text":"I've noted both of your accounts separately because you've got your TTR pension account there.","start":946.49,"end":951.21,"sentiment":"neutral","sentiment_score":0.1656415730714798},{"text":"We're gonna make the same change within that TTR pension account, and that's","start":951.21,"end":955.61,"sentiment":"neutral","sentiment_score":0.25563690524834853}],"sentiment":"neutral","sentiment_score":0.20356845007888202,"channel":0,"num_words":29,"start":944.805,"end":955.61},{"sentences":[{"text":"Yep.","start":955.495,"end":955.995,"sentiment":"neutral","sentiment_score":0.1296444833278656}],"sentiment":"neutral","sentiment_score":0.1296444833278656,"channel":1,"num_words":1,"start":955.495,"end":955.995},{"sentences":[{"text":"on the next page for you so you can see the difference there.","start":955.61,"end":959.07,"sentiment":"neutral","sentiment_score":0.09611543153341},{"text":"Okay?","start":959.13,"end":959.63,"sentiment":"neutral","sentiment_score":0.0954323261976242}],"sentiment":"neutral","sentiment_score":0.09606663829513959,"channel":0,"num_words":14,"start":955.61,"end":959.63},{"sentences":[{"text":"Yep.","start":961.88,"end":962.38,"sentiment":"neutral","sentiment_score":0.1704857349395752}],"sentiment":"neutral","sentiment_score":0.1704857349395752,"channel":1,"num_words":1,"start":961.88,"end":962.38},{"sentences":[{"text":"All good.","start":963.065,"end":963.805,"sentiment":"positive","sentiment_score":0.40683412551879883},{"text":"Essentially, within the account there, we do know there is gonna be CGT consequences for doing so.","start":964.82495,"end":970.445,"sentiment":"neutral","sentiment_score":0.09148371745558347},{"text":"We had a really good look there.","start":970.505,"end":972.02496,"sentiment":"positive","sentiment_score":0.499090633222035},{"text":"I do have it noted here for you.","start":972.02496,"end":974.045,"sentiment":"neutral","sentiment_score":0.1932348497211933},{"text":"So sorry.","start":975.06995,"end":976.20996,"sentiment":"neutral","sentiment_score":0.013325551524758339}],"sentiment":"neutral","sentiment_score":0.20652932725432846,"channel":0,"num_words":36,"start":963.065,"end":976.20996},{"sentences":[{"text":"It's just going back here.","start":976.82996,"end":979.32996,"sentiment":"neutral","sentiment_score":0.00593195091933012}],"sentiment":"neutral","sentiment_score":0.00593195091933012,"channel":0,"num_words":5,"start":976.82996,"end":979.32996},{"sentences":[{"text":"Okay.","start":980.515,"end":980.835,"sentiment":"neutral","sentiment_score":0.029496096074581143}],"sentiment":"neutral","sentiment_score":0.029496096074581143,"channel":1,"num_words":1,"start":980.515,"end":980.835},{"sentences":[{"text":"It doesn't have it down.","start":980.99,"end":982.44995,"sentiment":"neutral","sentiment_score":0.02120530530810356}],"sentiment":"neutral","sentiment_score":0.02120530530810356,"channel":0,"num_words":5,"start":980.99,"end":982.44995},{"sentences":[{"text":"Go back to the beginning and sign.","start":984.275,"end":985.97504,"sentiment":"neutral","sentiment_score":0.01356951626283782},{"text":"I do.","start":986.195,"end":986.775,"sentiment":"neutral","sentiment_score":0.03230911027640104},{"text":"So it's still showing","start":989.82,"end":990.86,"sentiment":"neutral","sentiment_score":0.027848809957504272}],"sentiment":"neutral","sentiment_score":0.02084615955559107,"channel":1,"num_words":13,"start":984.275,"end":990.86},{"sentences":[{"text":"Oh.","start":990.765,"end":991.265,"sentiment":"neutral","sentiment_score":0.014934794045984743}],"sentiment":"neutral","sentiment_score":0.014934794045984743,"channel":0,"num_words":1,"start":990.765,"end":991.265},{"sentences":[{"text":"account and hasn't signed in yet or","start":990.86,"end":993.5,"sentiment":"neutral","sentiment_score":0.0008818001619407109}],"sentiment":"neutral","sentiment_score":0.0008818001619407109,"channel":1,"num_words":7,"start":990.86,"end":993.5},{"sentences":[{"text":"Alright.","start":993.325,"end":993.825,"sentiment":"neutral","sentiment_score":0.006686956621706486}],"sentiment":"neutral","sentiment_score":0.006686956621706486,"channel":0,"num_words":1,"start":993.325,"end":993.825},{"sentences":[{"text":"waiting signature.","start":993.5,"end":994.39996,"sentiment":"neutral","sentiment_score":-0.0024128686636686325}],"sentiment":"neutral","sentiment_score":-0.0024128686636686325,"channel":1,"num_words":2,"start":993.5,"end":994.39996},{"sentences":[{"text":"No.","start":996.445,"end":996.685,"sentiment":"neutral","sentiment_score":-0.01298869587481022},{"text":"That's okay.","start":996.685,"end":997.58496,"sentiment":"neutral","sentiment_score":0.03099753614515066}],"sentiment":"neutral","sentiment_score":0.0163354588051637,"channel":0,"num_words":3,"start":996.445,"end":997.58496},{"sentences":[{"text":"That's","start":997.89996,"end":998.13995,"sentiment":"neutral","sentiment_score":0.100920632481575}],"sentiment":"neutral","sentiment_score":0.100920632481575,"channel":1,"num_words":1,"start":997.89996,"end":998.13995},{"sentences":[{"text":"So","start":998.125,"end":998.365,"sentiment":"neutral","sentiment_score":0.14943058788776398}],"sentiment":"neutral","sentiment_score":0.14943058788776398,"channel":0,"num_words":1,"start":998.125,"end":998.365},{"sentences":[{"text":"all good?","start":998.13995,"end":998.62,"sentiment":"neutral","sentiment_score":0.19802255183458328}],"sentiment":"neutral","sentiment_score":0.19802255183458328,"channel":1,"num_words":2,"start":998.13995,"end":998.62},{"sentences":[{"text":"if you go","start":998.365,"end":998.765,"sentiment":"neutral","sentiment_score":0.10465731968482335}],"sentiment":"neutral","sentiment_score":0.10465731968482335,"channel":0,"num_words":3,"start":998.365,"end":998.765},{"sentences":[{"text":"Yep.","start":998.62,"end":999.12,"sentiment":"neutral","sentiment_score":0.08119401335716248}],"sentiment":"neutral","sentiment_score":0.08119401335716248,"channel":1,"num_words":1,"start":998.62,"end":999.12},{"sentences":[{"text":"down to page number 26 there for me now, this is a fee table, and this essentially shows you that by making those small changes to your portfolio and the way we made it by selling off Benelon and the bank hybrids and making that change, there's actually no capital gains consequences to your super.","start":998.765,"end":1016.135,"sentiment":"neutral","sentiment_score":0.21457363787022504},{"text":"So because Bennelong has been underperforming, and we're able to sell off the the Bank Hybrids, we're offsetting the losses made by Bennelong","start":1016.135,"end":1024.395,"sentiment":"neutral","sentiment_score":0.2631182754817216}],"sentiment":"neutral","sentiment_score":0.22888808229412788,"channel":0,"num_words":78,"start":998.765,"end":1024.395},{"sentences":[{"text":"Yep.","start":1024.1,"end":1024.6,"sentiment":"neutral","sentiment_score":0.26658183336257935}],"sentiment":"neutral","sentiment_score":0.26658183336257935,"channel":1,"num_words":1,"start":1024.1,"end":1024.6},{"sentences":[{"text":"for the gains for selling off the Bank Hybrids, and your super fund will have no tax consequences.","start":1024.615,"end":1029.9299,"sentiment":"positive","sentiment_score":0.3805226865741942},{"text":"So no CDT tax for making that change, which is a benefit to you.","start":1030.07,"end":1034.47,"sentiment":"positive","sentiment_score":0.4559107518621853},{"text":"Okay?","start":1034.47,"end":1034.97,"sentiment":"neutral","sentiment_score":0.1678595244884491}],"sentiment":"positive","sentiment_score":0.40606116390589514,"channel":0,"num_words":33,"start":1024.615,"end":1034.97},{"sentences":[{"text":"Okay.","start":1035.025,"end":1035.505,"sentiment":"neutral","sentiment_score":0.13366875052452087},{"text":"Yep.","start":1035.505,"end":1036.005,"sentiment":"neutral","sentiment_score":0.08210068941116333}],"sentiment":"neutral","sentiment_score":0.1078847199678421,"channel":1,"num_words":2,"start":1035.025,"end":1036.005},{"sentences":[{"text":"On the second sorry.","start":1037.03,"end":1038.47,"sentiment":"neutral","sentiment_score":0.00028003333136439323},{"text":"It'll be the third line down there, the investment fee line.","start":1038.47,"end":1041.77,"sentiment":"neutral","sentiment_score":0.007037873337553306},{"text":"The first column shows your current investment fees that you're paying between the two accounts.","start":1041.83,"end":1046.2749,"sentiment":"neutral","sentiment_score":0.02362067165474097},{"text":"And then after we make that switch, you'll see there's a difference.","start":1046.895,"end":1050.2749,"sentiment":"neutral","sentiment_score":0.050113520585000515},{"text":"The difference is $326.","start":1050.335,"end":1052.895,"sentiment":"neutral","sentiment_score":0.044901042245328426}],"sentiment":"neutral","sentiment_score":0.026387244149151702,"channel":0,"num_words":46,"start":1037.03,"end":1052.895},{"sentences":[{"text":"So by selling off that along, removing the bank hybrids, and moving the funds into the core composite bonds and the a 200, you can actually save for the year $326 on investment fees.","start":1052.895,"end":1065.3501,"sentiment":"neutral","sentiment_score":0.20415062709328005},{"text":"So you're actually there's no tax consequences in making the change, and we're 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well.","start":1126.275,"end":1135.4751,"sentiment":"neutral","sentiment_score":0.318601967394352},{"text":"Okay?","start":1135.4751,"end":1135.9751,"sentiment":"neutral","sentiment_score":0.07458285987377167}],"sentiment":"neutral","sentiment_score":0.31073038328078484,"channel":0,"num_words":31,"start":1126.275,"end":1135.9751},{"sentences":[{"text":"Yep.","start":1135.74,"end":1136.24,"sentiment":"neutral","sentiment_score":0.1556532084941864},{"text":"Very","start":1136.7799,"end":1137.0199,"sentiment":"positive","sentiment_score":0.45178458094596863}],"sentiment":"neutral","sentiment_score":0.3037188947200775,"channel":1,"num_words":2,"start":1135.74,"end":1137.0199},{"sentences":[{"text":"Beautiful.","start":1136.995,"end":1137.495,"sentiment":"positive","sentiment_score":0.5260999798774719}],"sentiment":"positive","sentiment_score":0.5260999798774719,"channel":0,"num_words":1,"start":1136.995,"end":1137.495},{"sentences":[{"text":"good.","start":1137.0199,"end":1137.5199,"sentiment":"positive","sentiment_score":0.40197211503982544}],"sentiment":"positive","sentiment_score":0.40197211503982544,"channel":1,"num_words":1,"start":1137.0199,"end":1137.5199},{"sentences":[{"text":"It is a lot to go through, but do you have any questions for me at the moment?","start":1138.05,"end":1141.7301,"sentiment":"neutral","sentiment_score":0.08596721084581481},{"text":"Please let me know if there's anything that you need me to re clarify.","start":1141.7301,"end":1144.63,"sentiment":"neutral","sentiment_score":0.036988271799470694}],"sentiment":"neutral","sentiment_score":0.06453892501303926,"channel":0,"num_words":32,"start":1138.05,"end":1144.63},{"sentences":[{"text":"Yes.","start":1145.555,"end":1145.9551,"sentiment":"neutral","sentiment_score":0.08731932938098907},{"text":"Will do.","start":1145.9551,"end":1146.6951,"sentiment":"neutral","sentiment_score":0.11765283346176147}],"sentiment":"neutral","sentiment_score":0.10754166543483734,"channel":1,"num_words":3,"start":1145.555,"end":1146.6951},{"sentences":[{"text":"Yeah.","start":1147.25,"end":1147.75,"sentiment":"neutral","sentiment_score":0.12889984250068665}],"sentiment":"neutral","sentiment_score":0.12889984250068665,"channel":0,"num_words":1,"start":1147.25,"end":1147.75},{"sentences":[{"text":"All good,","start":1147.4751,"end":1147.875,"sentiment":"neutral","sentiment_score":0.29978278279304504}],"sentiment":"neutral","sentiment_score":0.29978278279304504,"channel":1,"num_words":2,"start":1147.4751,"end":1147.875},{"sentences":[{"text":"All","start":1147.81,"end":1148.05,"sentiment":"positive","sentiment_score":0.3426203429698944}],"sentiment":"positive","sentiment_score":0.3426203429698944,"channel":0,"num_words":1,"start":1147.81,"end":1148.05},{"sentences":[{"text":"sir.","start":1147.875,"end":1148.375,"sentiment":"neutral","sentiment_score":0.3085620403289795}],"sentiment":"neutral","sentiment_score":0.3085620403289795,"channel":1,"num_words":1,"start":1147.875,"end":1148.375},{"sentences":[{"text":"good.","start":1148.05,"end":1148.55,"sentiment":"neutral","sentiment_score":0.289020299911499},{"text":"Yeah.","start":1149.25,"end":1149.65,"sentiment":"neutral","sentiment_score":0.25867903232574463},{"text":"Perfect.","start":1149.65,"end":1150.15,"sentiment":"positive","sentiment_score":0.4409138262271881},{"text":"That's your super for the moment on what we're doing now.","start":1150.385,"end":1153.285,"sentiment":"neutral","sentiment_score":0.24727714332667264},{"text":"On the next page, it does show we are looking at a smaller projected outcome because you are planning to essentially retire in the next few months there.","start":1153.425,"end":1162.3251,"sentiment":"neutral","sentiment_score":0.034263986961117814}],"sentiment":"neutral","sentiment_score":0.11114412785640784,"channel":0,"num_words":42,"start":1148.05,"end":1162.3251},{"sentences":[{"text":"So 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projected outcome that's expected from this, but it is showing that by saving money, creating better diversification, lowering your overall risk, and having a greater past performance could put you in a better position in the next cup in the next month or so as well.","start":1185.6849,"end":1201.8401,"sentiment":"positive","sentiment_score":0.3902893867343664},{"text":"Okay?","start":1201.8401,"end":1202.3401,"sentiment":"neutral","sentiment_score":0.13384127616882324}],"sentiment":"positive","sentiment_score":0.3850557518248655,"channel":0,"num_words":49,"start":1185.6849,"end":1202.3401},{"sentences":[{"text":"Yes.","start":1201.88,"end":1202.38,"sentiment":"neutral","sentiment_score":0.2169383019208908}],"sentiment":"neutral","sentiment_score":0.2169383019208908,"channel":1,"num_words":1,"start":1201.88,"end":1202.38},{"sentences":[{"text":"Yeah.","start":1203.005,"end":1203.505,"sentiment":"neutral","sentiment_score":0.2211039960384369},{"text":"So that's essentially what we wanna do for yourself now.","start":1204.685,"end":1207.425,"sentiment":"positive","sentiment_score":0.3557836890220642},{"text":"Caroline, with your current super within Netwealth, you're due to retire in September 2026.","start":1207.805,"end":1214.045,"sentiment":"neutral","sentiment_score":0.11006739522729601},{"text":"So we went","start":1214.045,"end":1214.765,"sentiment":"neutral","sentiment_score":0.04353694866100947}],"sentiment":"neutral","sentiment_score":0.19466054519372328,"channel":0,"num_words":28,"start":1203.005,"end":1214.765},{"sentences":[{"text":"Yes.","start":1214.7251,"end":1215.2251,"sentiment":"neutral","sentiment_score":0.061764705926179886}],"sentiment":"neutral","sentiment_score":0.061764705926179886,"channel":1,"num_words":1,"start":1214.7251,"end":1215.2251},{"sentences":[{"text":"back and had it again.","start":1214.765,"end":1215.9651,"sentiment":"neutral","sentiment_score":0.06634363308548927},{"text":"Just a really good look at what was happening.","start":1215.9651,"end":1218.305,"sentiment":"neutral","sentiment_score":0.2339487440056271},{"text":"I'm not recommending we make any changes to your super or your portfolio at the moment.","start":1218.88,"end":1224.34,"sentiment":"negative","sentiment_score":-0.43809979502111673},{"text":"We had a really good look at how you invested.","start":1224.88,"end":1227.14,"sentiment":"neutral","sentiment_score":0.09153967350721359},{"text":"We","start":1227.9199,"end":1228.08,"sentiment":"neutral","sentiment_score":0.05624371021986008}],"sentiment":"neutral","sentiment_score":-0.08782193691628735,"channel":0,"num_words":41,"start":1214.765,"end":1228.08},{"sentences":[{"text":"Yes.","start":1228.02,"end":1228.52,"sentiment":"neutral","sentiment_score":0.15013599395751953}],"sentiment":"neutral","sentiment_score":0.15013599395751953,"channel":1,"num_words":1,"start":1228.02,"end":1228.52},{"sentences":[{"text":"had a look at all the underlying investments 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actually already kind of done a little bit of a swap.","start":1241.265,"end":1243.905,"sentiment":"neutral","sentiment_score":0.10685866822799046},{"text":"You don't have, Van Along in your portfolio at the moment.","start":1243.905,"end":1247.105,"sentiment":"neutral","sentiment_score":-0.004031269620596008},{"text":"You've got some other investments in there.","start":1247.105,"end":1249.5,"sentiment":"neutral","sentiment_score":-0.00518080113189561},{"text":"You're in more of a conservative, investment portfolio.","start":1249.5,"end":1252.3999,"sentiment":"neutral","sentiment_score":0.036313714226707816}],"sentiment":"neutral","sentiment_score":0.040329537694700636,"channel":0,"num_words":39,"start":1240.945,"end":1252.3999},{"sentences":[{"text":"And when we sort of talked about lowering the overall risk, at the moment, you're in a very defensive portfolio.","start":1252.86,"end":1259.0399,"sentiment":"neutral","sentiment_score":-0.004312467761337758},{"text":"So when I kind of look at the way you're invested, when we think about growth assets, so things like Australian shares, international shares, listed property, and commodities, you've got about 55.18% and the rest in defensive low risk investments like cash, bonds, and fixed interest, and you've got about 44.82% there.","start":1259.34,"end":1278.8201,"sentiment":"neutral","sentiment_score":0.15517584864909834},{"text":"So you are pretty well defensively invested, very much in that balanced environment.","start":1278.8201,"end":1283.96,"sentiment":"positive","sentiment_score":0.3586828144123921},{"text":"So I didn't kind of wanna make too many changes to kind of affect your super balance because it is a bit lower than where Neil's is at the moment, and you're wanting to access that in a few months.","start":1284.1,"end":1295.0616,"sentiment":"neutral","sentiment_score":-0.17476203087717296}],"sentiment":"neutral","sentiment_score":0.0452423210144043,"channel":0,"num_words":125,"start":1252.86,"end":1295.0616},{"sentences":[{"text":"Yes.","start":1294.895,"end":1295.395,"sentiment":"neutral","sentiment_score":0.18663829565048215}],"sentiment":"neutral","sentiment_score":0.18663829565048215,"channel":1,"num_words":1,"start":1294.895,"end":1295.395},{"sentences":[{"text":"Your cash is a little bit higher.","start":1295.0616,"end":1297.2294,"sentiment":"neutral","sentiment_score":0.13402456896645681},{"text":"You do have about 6.9% sitting in cash, so we do want to invest majority of 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the portfolio a couple of different ways.","start":1315.34,"end":1318.9601,"sentiment":"neutral","sentiment_score":0.02884832335015138},{"text":"Both of them came out showing CGT consequences for your fund of between $770 and $1,176 there.","start":1319.665,"end":1329.025,"sentiment":"neutral","sentiment_score":-0.0321735756143051}],"sentiment":"neutral","sentiment_score":0.047029372695232594,"channel":0,"num_words":62,"start":1303.7323,"end":1329.025},{"sentences":[{"text":"So we kinda wanted to limit the CGT consequences, But even putting you into a different portfolio, which was getting a better rate of return, when we looked at your contributions, the CGT consequences for making changes to your to your investments, It came out that you were gonna be worse off in the next couple of months there, so they weren't a huge difference.","start":1329.025,"end":1352.325,"sentiment":"neutral","sentiment_score":-0.15803510761604858},{"text":"The first alternative we looked at only showed a difference of about a 147 in September.","start":1353.265,"end":1359.045,"sentiment":"neutral","sentiment_score":-0.092013691784814},{"text":"The other one","start":1359.425,"end":1359.985,"sentiment":"neutral","sentiment_score":-0.05502181748549143}],"sentiment":"neutral","sentiment_score":-0.14178055376257925,"channel":0,"num_words":84,"start":1329.025,"end":1359.985},{"sentences":[{"text":"Yes.","start":1359.9601,"end":1360.4601,"sentiment":"neutral","sentiment_score":-0.0160379558801651}],"sentiment":"neutral","sentiment_score":-0.0160379558801651,"channel":1,"num_words":1,"start":1359.9601,"end":1360.4601},{"sentences":[{"text":"was about a thousand and 85, But we don't really wanna be having a super going backwards.","start":1359.985,"end":1365.66,"sentiment":"neutral","sentiment_score":-0.17667647911345258},{"text":"We wanna kinda keep it going forward for the moment.","start":1365.66,"end":1368.4,"sentiment":"neutral","sentiment_score":-0.029244189709424974},{"text":"So","start":1368.8601,"end":1369.26,"sentiment":"neutral","sentiment_score":0.04014021158218384}],"sentiment":"neutral","sentiment_score":-0.1162786368014557,"channel":0,"num_words":28,"start":1359.985,"end":1369.26},{"sentences":[{"text":"Yes.","start":1369.0801,"end":1369.5801,"sentiment":"neutral","sentiment_score":0.2130483090877533}],"sentiment":"neutral","sentiment_score":0.2130483090877533,"channel":1,"num_words":1,"start":1369.0801,"end":1369.5801},{"sentences":[{"text":"I sort of landed on the best place for you right now is to keep it as is, not make any changes to your portfolio now, and have it continue to keep working harder for you.","start":1369.26,"end":1379.395,"sentiment":"neutral","sentiment_score":0.18075943779614237},{"text":"So in September, we can draw down as much as possible.","start":1379.935,"end":1382.995,"sentiment":"neutral","sentiment_score":-0.05683532831343738},{"text":"Okay?","start":1383.135,"end":1383.635,"sentiment":"neutral","sentiment_score":0.040430571883916855}],"sentiment":"neutral","sentiment_score":0.12338711918952565,"channel":0,"num_words":48,"start":1369.26,"end":1383.635},{"sentences":[{"text":"Yes.","start":1383.735,"end":1384.235,"sentiment":"neutral","sentiment_score":0.20396849513053897},{"text":"Yes.","start":1384.295,"end":1384.795,"sentiment":"neutral","sentiment_score":0.30097565054893494},{"text":"Sounds good.","start":1385.04,"end":1385.78,"sentiment":"positive","sentiment_score":0.7460728883743286}],"sentiment":"positive","sentiment_score":0.4992724806070328,"channel":1,"num_words":4,"start":1383.735,"end":1385.78},{"sentences":[{"text":"Beautiful.","start":1386.3351,"end":1386.8351,"sentiment":"positive","sentiment_score":0.7580525875091553},{"text":"For yourself on page 37, you've got a bit of a fee comparison table there as well and a projected outcome, and it sort","start":1388.0951,"end":1394.84,"sentiment":"neutral","sentiment_score":0.2737925685942173}],"sentiment":"neutral","sentiment_score":0.2931629693508148,"channel":0,"num_words":25,"start":1386.3351,"end":1394.84},{"sentences":[{"text":"Yes.","start":1394.7201,"end":1395.2201,"sentiment":"neutral","sentiment_score":-0.03875605762004852}],"sentiment":"neutral","sentiment_score":-0.03875605762004852,"channel":1,"num_words":1,"start":1394.7201,"end":1395.2201},{"sentences":[{"text":"of shows that you've also got it on page 38, but it shows in September, essentially, what we're kind of expecting for you is a balance of around about $124,004.65 as if market conditions continue to work the way they have, if you're able to get that sort of five year rolling average of 12.34% continuously.","start":1394.84,"end":1416.3,"sentiment":"neutral","sentiment_score":0.23381274712405034}],"sentiment":"neutral","sentiment_score":0.23381274712405034,"channel":0,"num_words":56,"start":1394.84,"end":1416.3},{"sentences":[{"text":"Yes.","start":1417.33,"end":1417.83,"sentiment":"neutral","sentiment_score":0.2061307728290558}],"sentiment":"neutral","sentiment_score":0.2061307728290558,"channel":1,"num_words":1,"start":1417.33,"end":1417.83},{"sentences":[{"text":"That's a yearly sort of rolling average.","start":1418.28,"end":1420.54,"sentiment":"neutral","sentiment_score":0.18874562638146536},{"text":"So we understand in smaller months, it's gonna be probably a little bit less there, but we've sort of also gone back and broken that down into a monthly amount.","start":1420.6,"end":1429.3201,"sentiment":"neutral","sentiment_score":0.13479432041446368},{"text":"So if your super was able to work the way it has or whether the five year rolling average has on a monthly basis, you could still end up with about a $124,004.65 in September to draw down.","start":1429.3201,"end":1440.5149,"sentiment":"neutral","sentiment_score":0.25444822444727544},{"text":"Okay?","start":1440.575,"end":1441.075,"sentiment":"neutral","sentiment_score":0.09229914844036102}],"sentiment":"neutral","sentiment_score":0.1990313246650131,"channel":0,"num_words":76,"start":1418.28,"end":1441.075},{"sentences":[{"text":"Yes.","start":1441.005,"end":1441.5,"sentiment":"neutral","sentiment_score":0.15813086926937103},{"text":"Yes.","start":1441.74,"end":1442.24,"sentiment":"neutral","sentiment_score":0.24968264997005463}],"sentiment":"neutral","sentiment_score":0.20390675961971283,"channel":1,"num_words":2,"start":1441.005,"end":1442.24},{"sentences":[{"text":"Beautiful.","start":1443.5499,"end":1444.0499,"sentiment":"positive","sentiment_score":0.5380086898803711},{"text":"That is stage one.","start":1444.99,"end":1446.45,"sentiment":"neutral","sentiment_score":0.29302284494042397},{"text":"Stage","start":1447.23,"end":1447.71,"sentiment":"neutral","sentiment_score":0.14121325314044952}],"sentiment":"neutral","sentiment_score":0.30855222046375275,"channel":0,"num_words":6,"start":1443.5499,"end":1447.71},{"sentences":[{"text":"Okay.","start":1447.26,"end":1447.76,"sentiment":"neutral","sentiment_score":0.12245306372642516}],"sentiment":"neutral","sentiment_score":0.12245306372642516,"channel":1,"num_words":1,"start":1447.26,"end":1447.76},{"sentences":[{"text":"two is on page number 39 for you.","start":1447.71,"end":1451.25,"sentiment":"neutral","sentiment_score":0.10616311989724636},{"text":"Now stage two is to come into effect from the June 25.","start":1451.3099,"end":1457.035,"sentiment":"neutral","sentiment_score":0.11376321253677209},{"text":"So, essentially, Neil, you may have mentioned June 25 is when you've told your employer you wanna retire.","start":1457.255,"end":1462.3151,"sentiment":"neutral","sentiment_score":0.1156209334731102}],"sentiment":"neutral","sentiment_score":0.11304316610882156,"channel":0,"num_words":38,"start":1447.71,"end":1462.3151},{"sentences":[{"text":"Yep.","start":1463.035,"end":1463.535,"sentiment":"neutral","sentiment_score":0.1843123883008957}],"sentiment":"neutral","sentiment_score":0.1843123883008957,"channel":1,"num_words":1,"start":1463.035,"end":1463.535},{"sentences":[{"text":"From that date, we'll just need to confirm exactly when the last contribution should be going into the account.","start":1463.175,"end":1469.275,"sentiment":"neutral","sentiment_score":0.13830112234542244},{"text":"Realistically, by then, we should have payday contributions.","start":1469.4701,"end":1472.53,"sentiment":"neutral","sentiment_score":0.12849038559943438},{"text":"So once your final pay goes into your bank account, they should be able to make your final contribution into your super 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form.","start":1522.205,"end":1523.5651,"sentiment":"neutral","sentiment_score":0.14713386446237564},{"text":"So it means that your fund isn't paying income tax.","start":1523.5651,"end":1526.045,"sentiment":"neutral","sentiment_score":0.1689333274436649},{"text":"There's no CDT tax in the fund, and any income you draw down is completely tax free for yourself as well.","start":1526.045,"end":1532.47,"sentiment":"positive","sentiment_score":0.5122737160750798},{"text":"So it works on several levels, but it means you've got more money invested for you long 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retire to the July 1, I'm gonna recommend that you hold off drawing that $1.60 until the 07/01/2026.","start":1549.925,"end":1563.04,"sentiment":"neutral","sentiment_score":0.03073359443618345},{"text":"And that is","start":1563.34,"end":1563.9,"sentiment":"neutral","sentiment_score":0.10502507040898006}],"sentiment":"neutral","sentiment_score":0.07562457168387482,"channel":0,"num_words":56,"start":1541.765,"end":1563.9},{"sentences":[{"text":"Yes.","start":1563.81,"end":1564.31,"sentiment":"neutral","sentiment_score":0.27746325731277466}],"sentiment":"neutral","sentiment_score":0.27746325731277466,"channel":1,"num_words":1,"start":1563.81,"end":1564.31},{"sentences":[{"text":"because once you roll into account based pension phase, you also have to every year draw down the minimum pension amount.","start":1563.9,"end":1571.28,"sentiment":"neutral","sentiment_score":0.30215332834493547},{"text":"So if we hold off that withdrawal until the July 1, you draw down a 160,000 out of super to 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things that we talked about a while ago was that once you're fully retired, you'll also get your long service leave, your annual leave, all those things paid out, and that should provide you with a better a bit of a buffer for income.","start":1592.13,"end":1604.095,"sentiment":"neutral","sentiment_score":0.3300790737072627},{"text":"But then Carolyn is also still working through to September","start":1604.3949,"end":1607.695,"sentiment":"neutral","sentiment_score":0.09700742438435554}],"sentiment":"neutral","sentiment_score":0.28770241019400683,"channel":0,"num_words":55,"start":1592.13,"end":1607.695},{"sentences":[{"text":"Yes.","start":1607.695,"end":1608.195,"sentiment":"neutral","sentiment_score":0.12840691208839417}],"sentiment":"neutral","sentiment_score":0.12840691208839417,"channel":1,"num_words":1,"start":1607.695,"end":1608.195},{"sentences":[{"text":"as 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there.","start":1627.0751,"end":1637.795,"sentiment":"neutral","sentiment_score":0.16708090414221471},{"text":"Okay?","start":1637.795,"end":1638.275,"sentiment":"neutral","sentiment_score":0.05691377818584442},{"text":"So","start":1638.275,"end":1638.775,"sentiment":"neutral","sentiment_score":0.06723844259977341}],"sentiment":"neutral","sentiment_score":0.14680494534734048,"channel":0,"num_words":76,"start":1609.9149,"end":1638.775},{"sentences":[{"text":"Yep.","start":1638.455,"end":1638.955,"sentiment":"neutral","sentiment_score":0.10713648796081544}],"sentiment":"neutral","sentiment_score":0.10713648796081544,"channel":1,"num_words":1,"start":1638.455,"end":1638.955},{"sentences":[{"text":"taking that money out does it does take quite a lot of your super, leaves you with a bit over 160 there this year with no contributions going in.","start":1639.4501,"end":1649.0701,"sentiment":"neutral","sentiment_score":0.07940938516423621},{"text":"We do expect growth out of the account, but 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there.","start":1701.16,"end":1710.265,"sentiment":"neutral","sentiment_score":0.0049356246599927545},{"text":"Okay?","start":1710.265,"end":1710.765,"sentiment":"neutral","sentiment_score":0.08063505589962006},{"text":"Beautiful.","start":1712.585,"end":1713.085,"sentiment":"positive","sentiment_score":0.40607479214668274},{"text":"And once you've done that one sixty, you'll see the hub 24 pension that recommended the balance there.","start":1713.465,"end":1718.49,"sentiment":"neutral","sentiment_score":0.15033384246958625},{"text":"That is the balance expected after we've done the transfer into the pension account, but after the 160,000 has been drawn down.","start":1718.49,"end":1726.33,"sentiment":"neutral","sentiment_score":0.08586614934558218}],"sentiment":"neutral","sentiment_score":0.07879135287790136,"channel":0,"num_words":66,"start":1701.16,"end":1726.33},{"sentences":[{"text":"Does that make 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gonna dwindle down to nothing.","start":2117.02,"end":2118.8,"sentiment":"neutral","sentiment_score":-0.3055896858374278}],"sentiment":"neutral","sentiment_score":-0.3055896858374278,"channel":1,"num_words":6,"start":2117.02,"end":2118.8},{"sentences":[{"text":"That's exactly right.","start":2119.545,"end":2121.005,"sentiment":"neutral","sentiment_score":0.20546327034632364},{"text":"Yeah.","start":2121.065,"end":2121.465,"sentiment":"neutral","sentiment_score":0.2336038500070572},{"text":"That's exactly right.","start":2121.465,"end":2122.7449,"sentiment":"positive","sentiment_score":0.42954085270563763},{"text":"So it does work out better just to take it out.","start":2122.7449,"end":2125.065,"sentiment":"neutral","sentiment_score":0.26721465858546173},{"text":"The other thing I looked at is because we are taking out such a large lump sum from Neil's Super at the moment, it does reduce your super down to an expected about a 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there.","start":2140.74,"end":2142.2002,"sentiment":"neutral","sentiment_score":0.06005991902202368}],"sentiment":"neutral","sentiment_score":0.06005991902202368,"channel":0,"num_words":4,"start":2140.74,"end":2142.2002},{"sentences":[{"text":"Yep.","start":2142.62,"end":2143.12,"sentiment":"neutral","sentiment_score":-0.004058388993144035}],"sentiment":"neutral","sentiment_score":-0.004058388993144035,"channel":1,"num_words":1,"start":2142.62,"end":2143.12},{"sentences":[{"text":"An alternative strategy I have looked at is when we know how much you have left over, once you bought your caravan or once you've worked out how much you need for the caravan and we've maybe set aside some of that 31,200 income for you, We can also then look at what you have available and maybe do a one off contribution back into Neil's Super.","start":2142.705,"end":2163.63,"sentiment":"neutral","sentiment_score":0.11685437870337002},{"text":"We can always update the strategy, roll you back into Super, put some more money in, and then roll you back into pension and relook at the strategy then and see if gives you further longevity.","start":2164.01,"end":2173.4248,"sentiment":"neutral","sentiment_score":0.22268507671025065},{"text":"I've discounted yeah.","start":2174.525,"end":2176.525,"sentiment":"neutral","sentiment_score":0.130138598382473},{"text":"So I've discounted that now because we don't know how much you need for the 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giving","start":2234.935,"end":2235.7349,"sentiment":"neutral","sentiment_score":0.2366199493408203}],"sentiment":"neutral","sentiment_score":0.1274302734376548,"channel":0,"num_words":77,"start":2213.46,"end":2235.7349},{"sentences":[{"text":"Yes.","start":2235.56,"end":2236.06,"sentiment":"neutral","sentiment_score":0.2602238953113556}],"sentiment":"neutral","sentiment_score":0.2602238953113556,"channel":1,"num_words":1,"start":2235.56,"end":2236.06},{"sentences":[{"text":"it twelve months to kind of recuperate and start to grow and see where it needs to go from there.","start":2235.7349,"end":2241.9,"sentiment":"positive","sentiment_score":0.34847223833203317},{"text":"And you have your first year's worth of income payments sitting nice and safely in your bank account where it's not gonna dwindle 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taken a bit of a hit over the past couple of months.","start":2412.92,"end":2416.1199,"sentiment":"negative","sentiment_score":-0.46862553174679095},{"text":"That's for sure.","start":2416.1199,"end":2417.0999,"sentiment":"neutral","sentiment_score":-0.28334012627601624}],"sentiment":"negative","sentiment_score":-0.4338845182210207,"channel":0,"num_words":16,"start":2412.92,"end":2417.0999},{"sentences":[{"text":"Okay.","start":2417.435,"end":2417.755,"sentiment":"neutral","sentiment_score":-0.14345940947532654},{"text":"But at the same 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file the nomination and the trustee decides what they what they're gonna do with the money.","start":2715.165,"end":2722.13,"sentiment":"neutral","sentiment_score":0.10381759784143904},{"text":"You have a binding nomination which binds the trustee.","start":2722.67,"end":2725.57,"sentiment":"neutral","sentiment_score":0.1169142367111312},{"text":"But then when you're in pension phase, you have what's called a reversionary.","start":2725.95,"end":2729.17,"sentiment":"neutral","sentiment_score":0.08890214046606651},{"text":"I am going to recommend, and I like this whenever there is a pension account, and I think it's really important for you guys moving forward even if we, you know, roll back or make changes to the strategy.","start":2730.75,"end":2742.505,"sentiment":"positive","sentiment_score":0.5200079499911039},{"text":"For yourself, Neil, whenever you do have a pension account, we do set up a reversionary 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and you enjoy yourself immensely.","start":2809.41,"end":2826.5552,"sentiment":"positive","sentiment_score":0.3852820928607668},{"text":"But if anything was to happen, that we are protecting Caroline and making","start":2827.175,"end":2831.415,"sentiment":"neutral","sentiment_score":0.2719872284394044}],"sentiment":"positive","sentiment_score":0.3639366836219594,"channel":0,"num_words":69,"start":2809.41,"end":2831.415},{"sentences":[{"text":"Yep.","start":2831.305,"end":2831.805,"sentiment":"neutral","sentiment_score":0.2974056005477905}],"sentiment":"neutral","sentiment_score":0.2974056005477905,"channel":1,"num_words":1,"start":2831.305,"end":2831.805},{"sentences":[{"text":"sure that those income payments do continue.","start":2831.415,"end":2833.98,"sentiment":"neutral","sentiment_score":0.3086064415318625},{"text":"Yeah.","start":2834.28,"end":2834.6,"sentiment":"neutral","sentiment_score":0.19149775803089145},{"text":"Does that make 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everywhere.","start":2851.2952,"end":2861.0698,"sentiment":"neutral","sentiment_score":0.03249576315283775}],"sentiment":"neutral","sentiment_score":0.21837341317381614,"channel":0,"num_words":78,"start":2837.48,"end":2861.0698},{"sentences":[{"text":"So","start":2861.0698,"end":2861.5698,"sentiment":"neutral","sentiment_score":0.1097739189863205}],"sentiment":"neutral","sentiment_score":0.1097739189863205,"channel":0,"num_words":1,"start":2861.0698,"end":2861.5698},{"sentences":[{"text":"Yes.","start":2861.175,"end":2861.675,"sentiment":"neutral","sentiment_score":0.24894997477531433}],"sentiment":"neutral","sentiment_score":0.24894997477531433,"channel":1,"num_words":1,"start":2861.175,"end":2861.675},{"sentences":[{"text":"continuing those pension payments does does become quite an important aspect, and it's something that not a lot of people know about what a reversionary beneficiary is, but it's one thing that I kind of wanted to make sure that you were aware about and that no matter what we do, we always provide this level of protection","start":2862.03,"end":2881.625,"sentiment":"neutral","sentiment_score":0.23804782896206297}],"sentiment":"neutral","sentiment_score":0.23804782896206297,"channel":0,"num_words":58,"start":2862.03,"end":2881.625},{"sentences":[{"text":"Yep.","start":2881.1648,"end":2881.6648,"sentiment":"neutral","sentiment_score":0.1886487901210785}],"sentiment":"neutral","sentiment_score":0.1886487901210785,"channel":1,"num_words":1,"start":2881.1648,"end":2881.6648},{"sentences":[{"text":"with Carolyn because all of these strategies seem to be where Carolyn's super either gets drawn out to buy a caravan to cover the income payments in the banking account or goes into your Super.","start":2881.625,"end":2892.65,"sentiment":"neutral","sentiment_score":0.11314029395580291},{"text":"No matter what we do with that money, it makes it so she no longer has any Super 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scenario","start":2898.65,"end":2903.31,"sentiment":"neutral","sentiment_score":0.15204167366027832}],"sentiment":"neutral","sentiment_score":0.15204167366027832,"channel":0,"num_words":16,"start":2898.65,"end":2903.31},{"sentences":[{"text":"Yep.","start":2904.19,"end":2904.69,"sentiment":"neutral","sentiment_score":0.2471254765987396}],"sentiment":"neutral","sentiment_score":0.2471254765987396,"channel":1,"num_words":1,"start":2904.19,"end":2904.69},{"sentences":[{"text":"puts a protection in place for both of you, but also for Carol and down the track there as well.","start":2904.335,"end":2909.375,"sentiment":"neutral","sentiment_score":0.2045148268342018},{"text":"Does that make 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to go through it as easily as possible, but there is a lot to go through, especially on the phone.","start":2921.27,"end":2926.81,"sentiment":"neutral","sentiment_score":-0.08080191165208817},{"text":"So I will let you guys go back now.","start":2927.51,"end":2929.91,"sentiment":"neutral","sentiment_score":0.07453045000632604},{"text":"Have a really good read of it page by page.","start":2929.91,"end":2932.15,"sentiment":"neutral","sentiment_score":0.2873807031661272},{"text":"Let me know if you do happen to have any questions 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for you.","start":2951.1301,"end":2955.55,"sentiment":"neutral","sentiment_score":0.11938578234269069},{"text":"So I believe it's down on page number 75.","start":2955.85,"end":2959.77,"sentiment":"neutral","sentiment_score":0.07378780013985103},{"text":"There should be a little text box there.","start":2959.77,"end":2961.87,"sentiment":"neutral","sentiment_score":0.07639263849705458}],"sentiment":"neutral","sentiment_score":0.23448531339565912,"channel":0,"num_words":75,"start":2935.565,"end":2961.87},{"sentences":[{"text":"If there's any section of the strategy that you don't wanna take on board, you just write in the text box that you don't wish to take on this section or this strategy.","start":2962.185,"end":2971.725,"sentiment":"neutral","sentiment_score":-0.007060428996655074},{"text":"You wanna change something.","start":2972.185,"end":2973.5452,"sentiment":"neutral","sentiment_score":0.059554221108555794},{"text":"You just write it in 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together.","start":3470.725,"end":3472.965,"sentiment":"positive","sentiment_score":0.8337663032791831},{"text":"I really enjoyed that research component, and I'm so sorry I had to reschedule the last appointment for you both.","start":3472.965,"end":3478.665,"sentiment":"neutral","sentiment_score":0.2984840255230665}],"sentiment":"positive","sentiment_score":0.5041545320521382,"channel":0,"num_words":34,"start":3469.605,"end":3478.665},{"sentences":[{"text":"No.","start":3478.2952,"end":3478.455,"sentiment":"neutral","sentiment_score":-0.20095187425613403},{"text":"That's alright.","start":3478.455,"end":3479.2551,"sentiment":"neutral","sentiment_score":-0.10263178497552872},{"text":"That's alright.","start":3479.2551,"end":3479.655,"sentiment":"neutral","sentiment_score":0.06000449135899544},{"text":"Alright.","start":3479.655,"end":3479.8152,"sentiment":"neutral","sentiment_score":0.04855821654200554},{"text":"Do you understand?","start":3479.8152,"end":3480.635,"sentiment":"neutral","sentiment_score":-0.02992665022611618}],"sentiment":"neutral","sentiment_score":-0.0363809106250604,"channel":1,"num_words":9,"start":3478.2952,"end":3480.635},{"sentences":[{"text":"Yeah.","start":3481.0952,"end":3481.3352,"sentiment":"neutral","sentiment_score":0.10515620559453964},{"text":"That's okay.","start":3481.3352,"end":3482.235,"sentiment":"neutral","sentiment_score":0.23004651069641113}],"sentiment":"neutral","sentiment_score":0.1884164089957873,"channel":1,"num_words":3,"start":3481.0952,"end":3482.235},{"sentences":[{"text":"Oh, thank you so much.","start":3482.98,"end":3484.26,"sentiment":"positive","sentiment_score":0.7487350940704346},{"text":"I hope you both have a lovely evening.","start":3484.26,"end":3486.3599,"sentiment":"positive","sentiment_score":0.7547104060649872}],"sentiment":"positive","sentiment_score":0.7524122091440054,"channel":0,"num_words":13,"start":3482.98,"end":3486.3599},{"sentences":[{"text":"Yes.","start":3487.175,"end":3487.495,"sentiment":"positive","sentiment_score":0.4555351138114929},{"text":"You too, Dana.","start":3487.495,"end":3488.395,"sentiment":"positive","sentiment_score":0.5376340945561727}],"sentiment":"positive","sentiment_score":0.5171093493700027,"channel":1,"num_words":4,"start":3487.175,"end":3488.395},{"sentences":[{"text":"All good.","start":3489.0168,"end":3489.577,"sentiment":"positive","sentiment_score":0.6601429283618927},{"text":"I'll talk to you both very soon.","start":3489.577,"end":3491.4368,"sentiment":"positive","sentiment_score":0.434594920703343}],"sentiment":"positive","sentiment_score":0.4847167001830207,"channel":0,"num_words":9,"start":3489.0168,"end":3491.4368},{"sentences":[{"text":"Okay.","start":3491.735,"end":3492.235,"sentiment":"neutral","sentiment_score":0.16109994053840637},{"text":"Bye for now.","start":3492.375,"end":3493.195,"sentiment":"neutral","sentiment_score":0.13095633685588837},{"text":"Bye.","start":3493.3071,"end":3493.8071,"sentiment":"neutral","sentiment_score":0.16780585050582886}],"sentiment":"neutral","sentiment_score":0.14435496032238007,"channel":1,"num_words":5,"start":3491.735,"end":3493.8071},{"sentences":[{"text":"Thanks.","start":3493.577,"end":3493.9768,"sentiment":"positive","sentiment_score":0.5672893524169922},{"text":"See you later.","start":3493.9768,"end":3494.617,"sentiment":"positive","sentiment_score":0.4346970319747925},{"text":"Bye.","start":3494.617,"end":3495.117,"sentiment":"neutral","sentiment_score":-0.1176481693983078}],"sentiment":"positive","sentiment_score":0.35074645578861235,"channel":0,"num_words":5,"start":3493.577,"end":3495.117}]},"summary":{"result":"success","short":"Oakey Financial provides guidance on retirement strategies and emphasizes the importance of maintaining a hybrid caravan and working out retirement goals. They offer to provide more information and catch up with the customer in the future. The speaker emphasizes the benefits of a reversionary beneficiary and the importance of protecting financial future. They offer to assist with any questions and schedule follow-up appointments for customers to sign and return their strategies."},"intents":{"segments":[{"text":"At the moment, we can do that TTR sort of strategy there. But, yeah, just resigning one job and getting another one doesn't quite qualify, and it's a bit harder to do it that way. So Yep.","start_word":389,"end_word":425,"intents":[{"intent":"Resign and maintain job","confidence_score":0.008765169}]},{"text":"We can always change the strategy. This is ever evolving.","start_word":489,"end_word":498,"intents":[{"intent":"Change strategy","confidence_score":0.04108133}]},{"text":"Can I get you each to confirm your date of birth and address for me? Yeah. September Yep.","start_word":572,"end_word":589,"intents":[{"intent":"Confirm personal information","confidence_score":0.007708975}]},{"text":"So it is a joint statement of advice for both of you focusing on how we can access the funds in the best possible way to be able to pay down the debts.","start_word":675,"end_word":707,"intents":[{"intent":"Arrange funds access and manage debts","confidence_score":0.00014433004}]},{"text":"to open these up as we go, Yes. So the first if you does it have a button there that says sign or basically? Sign document.","start_word":1047,"end_word":1072,"intents":[{"intent":"Open documents","confidence_score":0.10646204}]},{"text":"So if you press that button and go forward to the next go forward, it should let you open and review that statement of advice there. Okay.","start_word":1075,"end_word":1101,"intents":[{"intent":"Review statement of advice","confidence_score":0.5834735}]},{"text":"terrible service with what would you call it? Optus of Life.","start_word":1113,"end_word":1123,"intents":[{"intent":"Identify purpose of calls","confidence_score":0.0006148142},{"intent":"Explain purpose of calls","confidence_score":0.020675901}]},{"text":"So the first couple of pages there are your scoping areas, the areas that we are providing advice on. In the first column you have, we have your goals noted down there. And because we have more than one conversation, I've noted what conversation, I've noted what your original goals were and then the changes to those goals as per our secondary conversation. Yep.","start_word":1181,"end_word":1244,"intents":[{"intent":"Provide advice on purpose","confidence_score":0.000043096054},{"intent":"Explain purpose of quotes","confidence_score":0.00007373074}]},{"text":"So because for all of the tentative purposes, Neil, you are planning to retire in June, I've also scoped in what happens and how we can utilize your super for you to draw an income on.","start_word":1380,"end_word":1415,"intents":[{"intent":"Utilize super","confidence_score":0.04931698}]},{"text":"If anything changes and you decide to go back to work after, you know, you started this Yep. retirement planning, we can just always change the strategy and move on to the next thing and update Yep. things.","start_word":1415,"end_word":1452,"intents":[{"intent":"Update strategy","confidence_score":0.43526936}]},{"text":"You just let me know how you're tracking. Okay?","start_word":1512,"end_word":1520,"intents":[{"intent":"Track goals","confidence_score":0.4670852}]},{"text":"And when you're actually almost there, we can look at what level of Social Security is available, how to maximize that for you, and make sure it helps you to get longevity out of your sleep or down the track as well.","start_word":1659,"end_word":1700,"intents":[{"intent":"Maximize social security coverage","confidence_score":0.009578017}]},{"text":"So, Neil, the first recommendation is based on yourself here, and I am recommending for now we do retain your current strategy. You've got your TTR strategy. So you have your pension account and your super account in accumulation For the time being up until the 06/25/2026 when you officially retire, we are recommending that you retain that account for now.","start_word":1909,"end_word":1969,"intents":[{"intent":"Retain and plan strategy","confidence_score":0.00024837063}]},{"text":"We're also going to so we're retaining your super and your pension account as they are for the moment, but we are doing an investment switch for you. So I had a really good look at the way your super was and the investments that you do have in your super at the moment.","start_word":2071,"end_word":2124,"intents":[{"intent":"Manage super investments","confidence_score":0.010826262}]},{"text":"It's also more of a passively managed fund.","start_word":2432,"end_word":2439,"intents":[{"intent":"Promote benevolent investments","confidence_score":0.0028271577}]},{"text":"a really good look at everything, and we decided to make this small change now to your portfolio just to make sure things were working a bit harder for you for the time being, but also making sure we're getting rid of those investments that are underperforming for you. Okay? Yep.","start_word":2716,"end_word":2766,"intents":[{"intent":"Verify portfolio balance","confidence_score":0.0008382196}]},{"text":"Realistically, we're only supposed to hold about 1.25% cash there, so we do wanna invest that extra 3,000 into your portfolio as well. Yep.","start_word":2804,"end_word":2827,"intents":[{"intent":"Explain portfolio rules","confidence_score":0.000038788425}]},{"text":"We had a really good look at how you invested. We Yes. had a look at all the underlying investments there. You do have a little bit more in cash. So if you go down to page number thirty four and thirty five, it shows how you're invested at the moment. Oh, You yeah.","start_word":3701,"end_word":3754,"intents":[{"intent":"Discuss portfolio investment","confidence_score":0.01051089}]},{"text":"From that date, we'll just need to confirm exactly when the last contribution should be going into the account. Realistically, by then, we should have payday contributions. So once your final pay goes into your bank account, they should be able to make your final contribution into your super account. Yep.","start_word":4380,"end_word":4430,"intents":[{"intent":"Confirm and calculate retirement contributions","confidence_score":0.000012188434}]},{"text":"There's no CDT tax in the fund, and any income you draw down is completely tax free for yourself as well. So it works on several levels, but it means you've got more money invested for you long term. Okay? Good.","start_word":4565,"end_word":4605,"intents":[{"intent":"Describe benefits of retirement","confidence_score":0.0055760387}]},{"text":"So once we move into that account based pension, what I'm gonna recommend is that you do draw down that 160,000. However, there's only about a week's difference between the June when you're gonna retire to the July 1, I'm gonna recommend that you hold off drawing that $1.60 until the 07/01/2026. And that is Yes.","start_word":4606,"end_word":4661,"intents":[{"intent":"Recommend holding pension","confidence_score":0.022721414},{"intent":"Discuss retirement benefits","confidence_score":0.030149564},{"intent":"Discuss retirement benefits","confidence_score":0.046989683}]},{"text":"the things that we talked about a while ago was that once you're fully retired, you'll also get your long service leave, your annual leave, all those things paid out, and that should provide you with a better a bit of a buffer for income.","start_word":4748,"end_word":4792,"intents":[{"intent":"Offer support for retirement","confidence_score":0.00013182554}]},{"text":"the things that we talked about a while ago was that once you're fully retired, you'll also get your long service leave, your annual leave, all those things paid out, and that should provide you with a better a bit of a buffer for income. But then Carolyn is also still working through to September Yes.","start_word":4748,"end_word":4803,"intents":[{"intent":"Describe current job","confidence_score":0.0011451152}]},{"text":"So we just wanted to kinda show you the difference there. Okay?","start_word":4933,"end_word":4944,"intents":[{"intent":"Show difference in earnings","confidence_score":0.0014203672}]},{"text":"So it's showing you your current scenario versus the Yes. recommended, and the difference is the fees, obviously, plus the withdrawal amount there. Okay? Yep.","start_word":5259,"end_word":5283,"intents":[{"intent":"Explain situation","confidence_score":0.0013467482}]},{"text":"we'll make sure that the, sorry, the rollover is in line with your pays.","start_word":5356,"end_word":5369,"intents":[{"intent":"Make sure rollover matches pay requirements","confidence_score":0.000010368344}]},{"text":"So if we decide that we're going to wait a little longer to buy a hybrid caravan, we just leave Caroline's super as it is. You absolutely can.","start_word":6727,"end_word":6754,"intents":[{"intent":"Leave super super","confidence_score":0.36185756}]},{"text":"There's lots of other strategies that we can talk about, lots of other research that we can do. But if you get to September and you go, hey. Look. I probably don't want this yet. Let's say you look at putting it all into Neil's or half into Neil's or, you know, what we need to maybe do, we can do that for you. Yeah.","start_word":6812,"end_word":6876,"intents":[{"intent":"Discuss strategy","confidence_score":0.007126488}]},{"text":"I can talk to you about what your new goals are.","start_word":7303,"end_word":7313,"intents":[{"intent":"Discuss goals","confidence_score":0.42153198}]},{"text":"I can do additional research on the different options and come back with a different strategy and change the strategy.","start_word":7314,"end_word":7333,"intents":[{"intent":"Change strategy","confidence_score":0.13692516}]},{"text":"So you would essentially be able to retire now and then use up most of your super and end up on Centrelink, but then it does only mean you've got Centrelink from there on out, which can Centrelink doesn't always cover everyone's living expenses.","start_word":7851,"end_word":7894,"intents":[{"intent":"Recommend centrelink","confidence_score":0.062228285}]},{"text":"I'll redo a strategy, and we'll work out what we do, you know, moving forward for you.","start_word":7940,"end_word":7956,"intents":[{"intent":"Reconsider strategy","confidence_score":0.055242054},{"intent":"Recommend strategy","confidence_score":0.025367435}]},{"text":"But you do have all those strategies in there for you to read over the advantages, the disadvantages, the risks involved, any alternatives I've looked at for you guys.","start_word":8029,"end_word":8057,"intents":[{"intent":"Discuss benefits","confidence_score":0.043606937},{"intent":"Address concerns","confidence_score":0.0040888474},{"intent":"Discuss alternatives","confidence_score":0.12232299}]},{"text":"And one thing I would like to do is because at this point with this recommendation and I would like you no matter what we do, but when we move you into an account based pension, if you go down to page number 58 for me, it's actually recommended that we set up a beneficiary a different way.","start_word":8059,"end_word":8116,"intents":[{"intent":"Clarify pension plan","confidence_score":0.0011443947},{"intent":"Advise on pension structure","confidence_score":0.000015620692}]},{"text":"You have a non lapsing oh, sorry. A nonbinding, which basically means that you file the nomination and the trustee decides what they what they're gonna do with the money.","start_word":8129,"end_word":8158,"intents":[{"intent":"Recommend nonbinding","confidence_score":0.00010171114}]},{"text":"But then when you're in pension phase, you have what's called a reversionary.","start_word":8168,"end_word":8180,"intents":[{"intent":"Define pension phases","confidence_score":0.000011870405}]},{"text":"I am going to recommend, and I like this whenever there is a pension account, and I think it's really important for you guys moving forward even if we, you know, roll back or make changes to the strategy.","start_word":8181,"end_word":8219,"intents":[{"intent":"Propose change to strategy","confidence_score":0.00002219749}]},{"text":"For yourself, Neil, whenever you do have a pension account, we do set up a reversionary beneficiary. Because what this essentially means is that if you were to pass away and you were in pension phase, if Carolyn didn't have much super or if we end up moving all of her super, whether it paid to the bank account or whether it go into your account to sort of grow together, she won't have any kinda income coming out.","start_word":8220,"end_word":8298,"intents":[{"intent":"Reversionary beneficiary","confidence_score":0.29910898}]},{"text":"Because what this essentially means is that if you were to pass away and you were in pension phase, if Carolyn didn't have much super or if we end up moving all of her super, whether it paid to the bank account or whether it go into your account to sort of grow together, she won't have any kinda income coming out.","start_word":8237,"end_word":8298,"intents":[{"intent":"Explain benefits of pensions","confidence_score":0.014346814},{"intent":"Inform about pension benefits","confidence_score":0.00787954}]},{"text":"But if anything was to happen, that we are protecting Caroline and making Yep. sure that those income payments do continue.","start_word":8476,"end_word":8496,"intents":[{"intent":"Keep income payments","confidence_score":0.01316394}]},{"text":"But if anything was to happen, that we are protecting Caroline and making Yep. sure that those income payments do continue. Yeah.","start_word":8476,"end_word":8497,"intents":[{"intent":"Protect caroline","confidence_score":0.06522537},{"intent":"Ensure protection for caroline","confidence_score":0.024765404}]},{"text":"Now there is a lot there, and I completely understand. Yeah.","start_word":8751,"end_word":8761,"intents":[{"intent":"Understand her situation","confidence_score":0.00014261159}]},{"text":"If there's any section of the strategy that you don't wanna take on board, you just write in the text box that you don't wish to take on this section or this strategy.","start_word":8895,"end_word":8927,"intents":[{"intent":"Guide strategy","confidence_score":0.000027575676}]},{"text":"You wanna change something.","start_word":8928,"end_word":8931,"intents":[{"intent":"Change strategy","confidence_score":0.15653813}]},{"text":"If you're happy just to take all the recommendations for now, we'll get you to sign and return it back.","start_word":8938,"end_word":8957,"intents":[{"intent":"Recommend signing","confidence_score":0.00016378255},{"intent":"Follow recommendations","confidence_score":0.0048103714},{"intent":"Provide recommendations","confidence_score":0.016722206}]},{"text":"And I'll make sure that at June, Neil, we do a catch up. We talk about where you're at retirement wise, and then Yep. we can always do a catch up afterwards if you'd like to.","start_word":8958,"end_word":8993,"intents":[{"intent":"Arrange catch-up","confidence_score":0.015546319}]},{"text":"We talk about where you're at retirement wise, and then Yep.","start_word":8971,"end_word":8981,"intents":[{"intent":"Obtain retirement status","confidence_score":0.0003684268},{"intent":"Discuss retirement situation","confidence_score":0.0017397891}]},{"text":"Alright. Okay?","start_word":9350,"end_word":9351,"intents":[{"intent":"Confirm plan plan","confidence_score":0.000071572955}]},{"text":"You don't have to take more out of the pension account, Yep. and then we can either keep you there or roll you back. It's completely fine.","start_word":9529,"end_word":9555,"intents":[{"intent":"Update pension account information","confidence_score":0.00080909225}]},{"text":"She'll book it in my calendar, and we'll make sure we catch up for that date, as we're going through so we can update the strategy for you. Does that work for you guys? Yep.","start_word":9921,"end_word":9955,"intents":[{"intent":"Book catch up","confidence_score":0.26992986}]},{"text":"Just what we've got you because my calendar does book out quite quickly. So let's go. June 20 is a Sunday, and you're Passcode. essentially the twenty fifth is a Thursday. Did you want me to make it the Monday the twenty second? Yes? Yes. Yes.","start_word":10192,"end_word":10237,"intents":[{"intent":"Book appointment","confidence_score":0.78459394}]}]},"sentiments":{"segments":[{"text":"Speaking. Hi, Neil. It's Dana from Oakey Financial. How are you this afternoon?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.20033825933933255},{"text":"Very well. Thank you. And yourself? I'm very well. Thank you.","start_word":13,"end_word":23,"sentiment":"positive","sentiment_score":0.5301870703697205},{"text":"I do apologize for rescheduling last time. I unfortunately had No.","start_word":24,"end_word":34,"sentiment":"neutral","sentiment_score":-0.18318040668964383},{"text":"a migraine. It was extremely unwell, so I do apologize.","start_word":35,"end_word":44,"sentiment":"negative","sentiment_score":-0.4908314347267151},{"text":"No. No. That's fine. That's fine. Because it's giving me some time to have some rethink. Okay. So Okay. yeah. Are you Yeah. thinking you So kind of wanna change the strategy? Or just a little bit because Yep. we we done some googling, and apparently, I don't have to resign to access my super. You have to reduce your hours to less than ten hours per week. Yeah. Okay. Because we did some googling and apparently, if after sixty, I Mhmm. changed my job, Mhmm. I can access my super. Yeah. So the idea is that you need to be not gainfully employed or if you reduce your hours down to less than ten hours per week or if you do get a new role depending on what you're doing. Even if you get a new role, if you do work more than ten hours per week, it's not technically meeting the definition, but the idea is that you either retire or reduce your hours to under ten ten hours per week. Okay. Yeah. So we'll let let's blow that out of the water then. Because someone That's said, okay. nah. If you re if you change your job after 60, you can access your super. And I'm thinking I think Dana would have told me if I was thinking of resigning. Yeah. It it there is a little bit more to that. One of the ways and what people have done in the past Yep. is they have had more than one job. So, say, they've worked two casual jobs and they've resigned from one of those casual jobs and been able to access it for that way. But the alternative is essentially the general requirement is that you are requiring or working for less than ten hours per week after the age of 60. So it's kind of, you know, dropping hours as much as possible. The easiest way is to fully retire with no intention of returning back to work or Yep. if you keep your job as you are. At the moment, we can do that TTR sort of strategy there. But, yeah, just resigning one job and getting another one doesn't quite qualify, and it's a bit harder to do it that way. So Yep. Okay. yeah. Alright. So we'll stick with Yeah. Yeah. original plan for this date. Yeah. Well, I'll go through this one with you. Now this one here is based on you guys, you fully retiring as of the June 25. Yep. Essentially, if anything happens and you decide to go back to work or anything changes after that point, you let me know. We can always change the strategy. This is ever evolving. But I'm gonna send this to you guys both now. Is Carolyn there with you as well? Yep. How are you, Carolyn?","start_word":45,"end_word":520,"sentiment":"neutral","sentiment_score":-0.0075659213642425395},{"text":"All good. That's good.","start_word":521,"end_word":524,"sentiment":"positive","sentiment_score":0.5180853009223938},{"text":"I'm gonna send this document through to you so you can both review it with me, and we can run through the strategy of what I've set up for you now. And before we kinda go through that individually, I do have to do security with you. Can I get you each to confirm your date of birth and address for me? Yeah. September Yep. Road, Capel. Beautiful. And 20 No. seventh of the tenth, nineteen sixty four, three Runy Beautiful.","start_word":525,"end_word":605,"sentiment":"neutral","sentiment_score":0.1389147788286209},{"text":"Thank you so much for that.","start_word":606,"end_word":611,"sentiment":"positive","sentiment_score":0.694487988948822},{"text":"Now Road, cable. I've sent that document through to you there. Just let me know when it does happen to pop through. I've sent it through to each of you. So it doesn't really matter which one of Okay. you wants Yep. to pull it up, or if it's both of you, it's easier. Put it here. Yep.","start_word":612,"end_word":669,"sentiment":"neutral","sentiment_score":0.184907004237175},{"text":"Come Excellent. up. Excellent.","start_word":670,"end_word":673,"sentiment":"positive","sentiment_score":0.4896998703479767},{"text":"So it is a joint statement of advice for both of you focusing on how we can access the funds in the best possible way to be able to pay down the debts. Another goal you guys have is you want to buy a a hybrid caravan down the track there as well.","start_word":674,"end_word":726,"sentiment":"neutral","sentiment_score":0.2490093559026718},{"text":"Caroline, Yep. you're looking forward to retirement at the age of 60 in September.","start_word":727,"end_word":740,"sentiment":"positive","sentiment_score":0.3466723561286926},{"text":"And, Neil, No. your retirement date was the June 25 this year so far. Okay? Yes.","start_word":741,"end_word":756,"sentiment":"neutral","sentiment_score":0.06618115305900574},{"text":"Excellent.","start_word":757,"end_word":757,"sentiment":"positive","sentiment_score":0.5899069309234619},{"text":"On the front of that document there, you will see it has been prepared for the both of you as of the 04/20/2026, prepared by myself and my lovely team here at OQ Financial, and my authorized representative number is 1304394. Okay? The next page outlines that the advice has been provided under best interest, so we make sure we understand your goals, what's happening with you guys, and what, you know, your objectives are, and we provide advice in line with meeting those goals and objectives. Advice is very fluid, so it can change. So if we get to, say, June and you tell me something's changing, we can just reupdate the advice and alter the strategy. There's no problems there.","start_word":758,"end_word":879,"sentiment":"neutral","sentiment_score":0.1882302314043045},{"text":"This Yep. sort of gives you an idea of what we're recommending now to help you meet those goals and then, know, what we look forward to or how this this is projected down the track for you.","start_word":880,"end_word":917,"sentiment":"positive","sentiment_score":0.4177321493625641},{"text":"Okay? Yep.","start_word":918,"end_word":919,"sentiment":"neutral","sentiment_score":0.2057778388261795},{"text":"Excellent.","start_word":920,"end_word":920,"sentiment":"positive","sentiment_score":0.38447630405426025},{"text":"So on the pages number three, four, five, six, I think it's also page number nine there. I've essentially got in there where we're scoping of the advice. So we've scoped in superannuation to make sure we're meeting both of your goals then. Yep. We've also scoped in the estate planning side of things. So because we are looking to withdraw funds and setting up a bit of a pension for you, I've looked at the best way to structure your beneficiaries so that the funds are paid to Hello? Carolyn in the event of passing. Yep. I'm just gonna hold you up there for a sec. Absolutely. So I've come up with Oakville Services version one in brackets two PDF. You want me Yep. to open these up as we go, Yes. So the first if you does it have a button there that says sign or basically? Sign document. Yep. yep.","start_word":921,"end_word":1073,"sentiment":"neutral","sentiment_score":0.11486883928962782},{"text":"Beautiful. So if you press that button and go forward to the next go forward, it should let you open and review that statement of advice there.","start_word":1074,"end_word":1100,"sentiment":"positive","sentiment_score":0.3549930453300476},{"text":"Okay. Yep. It's taking its Yeah. time. We've Yeah. had That's okay.","start_word":1101,"end_word":1112,"sentiment":"neutral","sentiment_score":-0.06709563732147217},{"text":"terrible service with what would you call it?","start_word":1113,"end_word":1120,"sentiment":"negative","sentiment_score":-0.6489493250846863},{"text":"Optus of Life. Oh, have you? Oh, Yeah. no.","start_word":1121,"end_word":1129,"sentiment":"neutral","sentiment_score":-0.13545291125774384},{"text":"Whatever that's just been bad.","start_word":1130,"end_word":1134,"sentiment":"negative","sentiment_score":-0.432830810546875},{"text":"Yeah. Anyway, turn that sideways so I can enlarge it. You're right. Alright. Now we're Now we're there.","start_word":1135,"end_word":1152,"sentiment":"neutral","sentiment_score":0.019397391006350517},{"text":"Beautiful.","start_word":1153,"end_word":1153,"sentiment":"positive","sentiment_score":0.46651357412338257},{"text":"and, yeah, now we're there. And what page were we up to? We're up to page number sorry. Number three, four, five, and six. Yep. Yep.","start_word":1154,"end_word":1179,"sentiment":"neutral","sentiment_score":0.08153150975704193},{"text":"Beautiful.","start_word":1180,"end_word":1180,"sentiment":"positive","sentiment_score":0.4510840177536011},{"text":"So the first couple of pages there are your scoping areas, the areas that we are providing advice on. In the first column you have, we have your goals noted down there. And because we have more than one conversation, I've noted what conversation, I've noted what your original goals were and then the changes to those goals as per our secondary conversation. Yep. It is quite long. I do apologize. No. No. That's fine. And then you've also got the reasoning behind the scoping in and how it relates back to your goals there for you. We've also got a state planning in to your goals there for you. We've also got estate planning in there for you and debt management. So you guys are wanting to draw that 160,000 down so that you can pay off all of your debts and be completely debt free. Caroline, Yep. when you turn 60, you still wanted to access your super there. You guys are still wanting to purchase a hybrid caravan, and I've looked at ways for you to utilize your super to offset as well. Okay? Yep. Okay.","start_word":1181,"end_word":1369,"sentiment":"neutral","sentiment_score":0.15325863659381866},{"text":"Beautiful.","start_word":1370,"end_word":1370,"sentiment":"positive","sentiment_score":0.5065670013427734},{"text":"Yep. I've also included the retirement income needs. So because for all of the tentative purposes, Neil, you are planning to retire in June, I've also scoped in what happens and how we can utilize your super for you to draw an income on. If anything changes and you decide to go back to work after, you know, you started this Yep. retirement planning, we can just always change the strategy and move on to the next thing and update Yep. things. There is no issues in any way, shape, or form.","start_word":1371,"end_word":1462,"sentiment":"neutral","sentiment_score":0.18578153783860413},{"text":"I the strategy, as I said, is very fluid. We can change it at any point. We can update it. I can do an advice document every couple of months for you if you wanted to change your goals. So there is no issue with that at any point.","start_word":1463,"end_word":1511,"sentiment":"positive","sentiment_score":0.4073079228401184},{"text":"You just let me know how you're tracking. Okay? Yep. To the next page, no. Page number seven has a limited scope. So I've scoped in Social Security just to a limited scope there. So because you are 61 at the moment, Neil, you can't access to the age of six sorry. You can't access Social Security or FenderLink until the age of 67. So Nope. we do wanna sort of make sure when you get to that point that you are able to access it. I've scoped it into only a limited basis, which means I'm looking at the long term effects of the recommendations that we've made and how they relate to Social Security and whether you might be eligible for it down the track based on your current circumstances. And as you get close to the age 67, we can keep reviewing these strategies. And when you're actually almost there, we can look at what level of Social Security is available, how to maximize that for you, and make sure it helps you to get longevity out of your sleep or down the track as well. Yes. Okay?","start_word":1512,"end_word":1702,"sentiment":"neutral","sentiment_score":0.09276438504457474},{"text":"Excellent.","start_word":1703,"end_word":1703,"sentiment":"positive","sentiment_score":0.4905903935432434},{"text":"On the next page, page number eight, areas that we scoped out. So you guys don't have any insurances, personal insurances at the moment. With your ages, it is very hard to obtain new cover.","start_word":1704,"end_word":1738,"sentiment":"neutral","sentiment_score":-0.10982563346624374},{"text":"It is very expensive.","start_word":1739,"end_word":1742,"sentiment":"negative","sentiment_score":-0.3453117311000824},{"text":"Your focus is essentially on retirement, paying down your debts, and, you know, enjoying your super and those, you know, retirement years down the track. So we're not scoping in any recommendations Okay. around the insurance side of things. Okay?","start_word":1743,"end_word":1782,"sentiment":"neutral","sentiment_score":0.18313246266916391},{"text":"Excellent. To make this a bit easier, I will sort of go forward past a couple of pages. When you guys after the call, you're welcome to go back and have a really good rate of the document.","start_word":1783,"end_word":1820,"sentiment":"positive","sentiment_score":0.5194747447967529},{"text":"Yeah. Let me know if there's any changes that you do wanna make and sort of taking because this is quite long. I'll skip through quite a few sections and just sorta hit the points that I need to hit for you to make it easier, and then you'll Yep.","start_word":1821,"end_word":1870,"sentiment":"neutral","sentiment_score":0.1665070801973343},{"text":"definitely be able to go back and have a really good read a bit together.","start_word":1871,"end_word":1885,"sentiment":"positive","sentiment_score":0.5543116331100464},{"text":"Okay? Yep.","start_word":1886,"end_word":1887,"sentiment":"neutral","sentiment_score":0.1969192773103714},{"text":"Excellent.","start_word":1888,"end_word":1888,"sentiment":"positive","sentiment_score":0.47488367557525635},{"text":"So I've set it out in three different stages for you. Stage number one is what we're gonna do now. So, Neil, the first recommendation is based on yourself here, and I am recommending for now we do retain your current strategy. You've got your TTR strategy. So you have your pension account and your super account in accumulation For the time being up until the 06/25/2026 when you officially retire, we are recommending that you retain that account for now. Retain everything as it is because it is working. You've got your contributions going into super, and you're drawing down a bit of income to offset what's being put into super. So if we were to look at changing that and stopping it now, you'd end up with a little bit less money at the end of the day. Yeah. No. So we'll continue with that. But how will that Yep. work when I retire because I won't have an income? No. That'll that will absolutely stop. So we're gonna continue that up until the 06/25/2026 when you officially retire. Yep. We're also going to so we're retaining your super and your pension account as they are for the moment, but we are doing an investment switch for you. So I had a really good look at the way your super was and the investments that you do have in your super at the moment. 20 And we know that if you go down to page 21 for me, this is essentially the changes we wanna make now to your super and your pension account. Okay? 20 The first one. yep. You You're alright. might say Tell it. You might say it. you're fine. You tell me to slow down. I'm so sorry. My computer might be going faster than you guys. So the first thing here is that with the Benelon Australian Equities and the Bank Hybrid there, the Benelon Australian Equities in your portfolio has been underperforming a little bit over the past sort of couple of months there. So we wanna remove that investment and do Yep. a bit of a switch for yourself. So we are gonna sell down all the Benelon Australian equity. So you see the full balance there is being sold down to cash, and then you've also got the bank hybrids. Bank hybrids are more of a defensive investment for you, but they are being phased out in the future.","start_word":1889,"end_word":2297,"sentiment":"neutral","sentiment_score":-0.004443765438018335},{"text":"So it is Yep. worth selling those down now, making it easier.","start_word":2298,"end_word":2309,"sentiment":"positive","sentiment_score":0.3664352297782898},{"text":"That way, we don't have to sell them down in the future when the time comes. Yep. We're selling down the the Benelon Australian equities. We're gonna move all that money into the BetaShares a 200, which is the one on the bottom there.","start_word":2310,"end_word":2353,"sentiment":"neutral","sentiment_score":0.22814883291721344},{"text":"So the BetaShares a two hundred is still giving you exposure to Australian equities. It's actually Yep. helping to provide more diversification to your portfolio because, Banda Long Australian equities holds anywhere between 20 to 30 different investments within it, whereas the BetaShares a 200 holds the top 200 companies on the ASX. So you've actually got more exposure to Australian equities, creating more diversification for you, which is overall helping to reduce the risk of your portfolio. It's also more of a passively managed fund.","start_word":2354,"end_word":2439,"sentiment":"positive","sentiment_score":0.4696856141090393},{"text":"So the way we see investment managers is there's an active manager, which means if that manager is buying and selling investments and trying to outperform against the market, and you tend to pay a bit more money to have that kind of an investment in your portfolio. Whereas a passive manager is just looking to track the market. So with the beta shares a 200, they're just tracking the top 200 companies on the ASX, and it's often cheaper to have more of a passively managed investment in your portfolio.","start_word":2440,"end_word":2530,"sentiment":"neutral","sentiment_score":0.1439073085784912},{"text":"So it's giving you more diversification, still giving Yep. you exposure to Australian equities, helping to reduce the risk of your portfolio, but it's also a cheaper investment for you as well.","start_word":2531,"end_word":2562,"sentiment":"positive","sentiment_score":0.5105298757553101},{"text":"Okay? Okay. Yeah. So we'll put that into your portfolio and get rid of the then along there. And then we're getting rid of the bank hybrids removing them because they are being phased out as an investment. And to keep that defensive component for you, we're gonna put the money into the iShares core compass bond. Essentially, these are both corporate and bank and government bonds. Bonds are really great as defensive investments because they pay income payments on a regular basis. Think of them sort of like a term deposit. You're putting some money into these bonds, and every month or two or three, they're giving you income payments or, you know, like, interest payments out of the the term deposit, essentially. And those income payments get paid back into your cash account and reinvested back into your portfolio for you, which helps with the compounding effect. So we had Yep. a really good look at everything, and we decided to make this small change now to your portfolio just to make sure things were working a bit harder for you for the time being, but also making sure we're getting rid of those investments that are underperforming for you. Okay? Yep. Yeah. On the next page, you'll see your cash account there. So at the moment, Neil, you've got about 6.84% in cash. Within hub twenty four, you actually don't wanna have more cash than you need. Realistically, we're only supposed to hold about 1.25% cash there, so we do wanna invest that extra 3,000 into your portfolio as well. Yep. You end up when you have cash sitting in the cash account, you don't really get much in the way of a return from them, and you do tend to pay fees for having money sitting in cash. So you don't really wanna have a lot of money sitting in cash. You wanna make sure it's all invested in your portfolio and working harder for you. Okay? Yep.","start_word":2563,"end_word":2894,"sentiment":"neutral","sentiment_score":0.1334463664925242},{"text":"Perfect.","start_word":2895,"end_word":2895,"sentiment":"positive","sentiment_score":0.5111711025238037},{"text":"Now that is your super account. You will note the balance on that previous page is only about 50,007 Yep. 85. I've noted both of your accounts separately because you've got your TTR pension account there. We're gonna make the same change within that TTR pension account, and that's Yep. on the next page for you so you can see the difference there. Okay? Yep.","start_word":2896,"end_word":2960,"sentiment":"neutral","sentiment_score":0.178897887468338},{"text":"All good.","start_word":2961,"end_word":2962,"sentiment":"positive","sentiment_score":0.3864973485469818},{"text":"Essentially, within the account there, we do know there is gonna be CGT consequences for doing so.","start_word":2963,"end_word":2979,"sentiment":"neutral","sentiment_score":0.09314819425344469},{"text":"We had a really good look there.","start_word":2980,"end_word":2986,"sentiment":"positive","sentiment_score":0.5042338371276855},{"text":"I do have it noted here for you. So sorry. It's just going back here. Okay. It doesn't have it down. Go back to the beginning and sign. I do. So it's still showing Oh. account and hasn't signed in yet or Alright. waiting signature. No. That's okay. That's So all good? if you go Yep. down to page number 26 there for me now, this is a fee table, and this essentially shows you that by making those small changes to your portfolio and the way we made it by selling off Benelon and the bank hybrids and making that change, there's actually no capital gains consequences to your super. So because Bennelong has been underperforming, and we're able to sell off the the Bank Hybrids, we're offsetting the losses made by Bennelong Yep.","start_word":2987,"end_word":3121,"sentiment":"neutral","sentiment_score":0.1532837301492691},{"text":"for the gains for selling off the Bank Hybrids, and your super fund will have no tax consequences. So no CDT tax for making that change, which is a benefit to you.","start_word":3122,"end_word":3153,"sentiment":"positive","sentiment_score":0.4080154597759247},{"text":"Okay? Okay. Yep. On the second sorry. It'll be the third line down there, the investment fee line. The first column shows your current investment fees that you're paying between the two accounts. And then after we make that switch, you'll see there's a difference. The difference is $326. So by selling off that along, removing the bank hybrids, and moving the funds into the core composite bonds and the a 200, you can actually save for the year $326 on investment fees. So you're actually there's no tax consequences in making the change, and we're reducing the investment fees that come out of your portfolio as well, which is a benefit. Less fees, more diversification, no tax consequences, and we're removing those underperforming investments. So yeah. Yep.","start_word":3154,"end_word":3281,"sentiment":"neutral","sentiment_score":0.1614194012945518},{"text":"Very good. Works well.","start_word":3282,"end_word":3285,"sentiment":"positive","sentiment_score":0.6130746603012085},{"text":"There's no real other change to any of this. I do know if you have a look at the bottom there. The five year rolling average by making this sort of switch, the and putting the a 200 instead of Van Along, the five year rolling average shows that the portfolio has actually performed better over the past five years. So moving forward, if the portfolio is worth the same as they have with the market conditions they've had, then you can sort of see that you could end up with about a 9.67% return on a yearly basis from this sort of portfolio as well as saving money, whereas the Yes. older portfolios only really averaged about 8.41%. So, Yes. you know, you've got the benefit there of this updated portfolio by making these small changes can have a greater effect long term long term on your super as well. Okay? Yep.","start_word":3286,"end_word":3438,"sentiment":"neutral","sentiment_score":0.18706052005290985},{"text":"Very Beautiful. good.","start_word":3439,"end_word":3441,"sentiment":"positive","sentiment_score":0.4615857601165771},{"text":"It is a lot to go through, but do you have any questions for me at the moment? Please let me know if there's anything that you need me to re clarify. Yes. Will do. Yeah. All good, All sir. good. Yeah.","start_word":3442,"end_word":3483,"sentiment":"neutral","sentiment_score":0.11419539898633956},{"text":"Perfect.","start_word":3484,"end_word":3484,"sentiment":"positive","sentiment_score":0.4409138262271881},{"text":"That's your super for the moment on what we're doing now. On the next page, it does show we are looking at a smaller projected outcome because you are planning to essentially retire in the next few months there. So with Yep. the current scenario, you could sort of see your super ending up in the next, technically, a bit over a month at around $320,004.35 between the two accounts with the recommended. If it is able to get that greater level of return, you could be in front by about 340. So, look, honestly, because it's only about a month away, Yep. there is a Yeah.","start_word":3485,"end_word":3591,"sentiment":"neutral","sentiment_score":0.12460982103214086},{"text":"much smaller projected outcome that's expected from this, but it is showing that by saving money, creating better diversification, lowering your overall risk, and having a greater past performance could put you in a better position in the next cup in the next month or so as well.","start_word":3592,"end_word":3639,"sentiment":"positive","sentiment_score":0.3846426606178284},{"text":"Okay? Yes. Yeah.","start_word":3640,"end_word":3642,"sentiment":"neutral","sentiment_score":0.19062787294387817},{"text":"So that's essentially what we wanna do for yourself now.","start_word":3643,"end_word":3652,"sentiment":"positive","sentiment_score":0.35544276237487793},{"text":"Caroline, with your current super within Netwealth, you're due to retire in September 2026. So we went Yes. back and had it again. Just a really good look at what was happening.","start_word":3653,"end_word":3684,"sentiment":"neutral","sentiment_score":0.13120822608470917},{"text":"I'm not recommending we make any changes to your super or your portfolio at the moment.","start_word":3685,"end_word":3700,"sentiment":"negative","sentiment_score":-0.45017385482788086},{"text":"We had a really good look at how you invested. We Yes. had a look at all the underlying investments there. You do have a little bit more in cash. So if you go down to page number thirty four and thirty five, it shows how you're invested at the moment. Oh, You yeah. yeah. We've actually already kind of done a little bit of a swap. You don't have, Van Along in your portfolio at the moment. You've got some other investments in there. You're in more of a conservative, investment portfolio. And when we sort of talked about lowering the overall risk, at the moment, you're in a very defensive portfolio. So when I kind of look at the way you're invested, when we think about growth assets, so things like Australian shares, international shares, listed property, and commodities, you've got about 55.18% and the rest in defensive low risk investments like cash, bonds, and fixed interest, and you've got about 44.82% there.","start_word":3701,"end_word":3865,"sentiment":"neutral","sentiment_score":0.09483546018600464},{"text":"So you are pretty well defensively invested, very much in that balanced environment.","start_word":3866,"end_word":3878,"sentiment":"positive","sentiment_score":0.39171648025512695},{"text":"So I didn't kind of wanna make too many changes to kind of affect your super balance because it is a bit lower than where Neil's is at the moment, and you're wanting to access that in a few months. Yes. Your cash is a little bit higher. You do have about 6.9% sitting in cash, so we do want to invest majority of that, Mhmm. only leaving 1.25%. But in the appendices, when you get a chance to have a look, I've attached that as an attachment to the email for you. I've actually got some alternatives considered. We did look at altering the portfolio a couple of different ways. Both of them came out showing CGT consequences for your fund of between $770 and $1,176 there. So we kinda wanted to limit the CGT consequences, But even putting you into a different portfolio, which was getting a better rate of return, when we looked at your contributions, the CGT consequences for making changes to your to your investments, It came out that you were gonna be worse off in the next couple of months there, so they weren't a huge difference. The first alternative we looked at only showed a difference of about a 147 in September. The other one Yes. was about a thousand and 85, But we don't really wanna be having a super going backwards. We wanna kinda keep it going forward for the moment. So Yes. I sort of landed on the best place for you right now is to keep it as is, not make any changes to your portfolio now, and have it continue to keep working harder for you. So in September, we can draw down as much as possible. Okay? Yes. Yes.","start_word":3879,"end_word":4170,"sentiment":"neutral","sentiment_score":-0.024388490244746208},{"text":"Sounds good. Beautiful.","start_word":4171,"end_word":4173,"sentiment":"positive","sentiment_score":0.7482611536979675},{"text":"For yourself on page 37, you've got a bit of a fee comparison table there as well and a projected outcome, and it sort Yes. of shows that you've also got it on page 38, but it shows in September, essentially, what we're kind of expecting for you is a balance of around about $124,004.65 as if market conditions continue to work the way they have, if you're able to get that sort of five year rolling average of 12.34% continuously. Yes. That's a yearly sort of rolling average. So we understand in smaller months, it's gonna be probably a little bit less there, but we've sort of also gone back and broken that down into a monthly amount. So if your super was able to work the way it has or whether the five year rolling average has on a monthly basis, you could still end up with about a $124,004.65 in September to draw down. Okay? Yes. Yes.","start_word":4174,"end_word":4333,"sentiment":"neutral","sentiment_score":0.2202797643840313},{"text":"Beautiful.","start_word":4334,"end_word":4334,"sentiment":"positive","sentiment_score":0.5380086898803711},{"text":"That is stage one. Stage Okay. two is on page number 39 for you. Now stage two is to come into effect from the June 25. So, essentially, Neil, you may have mentioned June 25 is when you've told your employer you wanna retire. Yep. From that date, we'll just need to confirm exactly when the last contribution should be going into the account. Realistically, by then, we should have payday contributions. So once your final pay goes into your bank account, they should be able to make your final contribution into your super account. Yep. At that time, we wanna roll back the funds from your TCR pension into your super. So everything goes back into your accumulation account or back into one place. Your last contribution is made to the super fund, and then we're gonna roll a 100% for everything into a full account based pension account for you.","start_word":4335,"end_word":4486,"sentiment":"neutral","sentiment_score":0.18390651047229767},{"text":"Yep. The benefit to doing that is that when you're fully retired and you we move into an account based pension, you get full access to your super. It's completely tax free, but it also means that capital gains within the fund and income made within the fund are all completely tax free as well.","start_word":4487,"end_word":4541,"sentiment":"positive","sentiment_score":0.5211659073829651},{"text":"So there's Oh, no tax okay. in any way, shape, or form. So it means that your fund isn't paying income tax.","start_word":4542,"end_word":4563,"sentiment":"neutral","sentiment_score":0.14300628006458282},{"text":"There's no CDT tax in the fund, and any income you draw down is completely tax free for yourself as well. So it works on several levels, but it means you've got more money invested for you long term. Okay? Good.","start_word":4564,"end_word":4604,"sentiment":"positive","sentiment_score":0.5190355181694031},{"text":"Yeah. So once we move into that account based pension, what I'm gonna recommend is that you do draw down that 160,000. However, there's only about a week's difference between the June when you're gonna retire to the July 1, I'm gonna recommend that you hold off drawing that $1.60 until the 07/01/2026. And that is Yes. because once you roll into account based pension phase, you also have to every year draw down the minimum pension amount.","start_word":4605,"end_word":4682,"sentiment":"neutral","sentiment_score":0.12856820225715637},{"text":"So if we hold off that withdrawal until the July 1, you draw down a 160,000 out of super to cover all of your debts. It then means you don't have to draw down any more funds out of your super fund. Your you don't have to draw anything else as an income payment, which is a which is a positive thing. One of Yep.","start_word":4683,"end_word":4747,"sentiment":"positive","sentiment_score":0.5178468823432922},{"text":"the things that we talked about a while ago was that once you're fully retired, you'll also get your long service leave, your annual leave, all those things paid out, and that should provide you with a better a bit of a buffer for income. But then Carolyn is also still working through to September Yes. as well. Yes. So when we sort of look at things, the you'll see the fee table there which shows, essentially, you have 24 accumulation, the pension account there, and then we roll all of that into the recommended, which is the pension account, and you draw down the one sixty. It does show that, essentially, what we'd expect you to have in that account at the end of that by the 07/01/2027 is about 167,000 there. Okay? So Yep. taking that money out does it does take quite a lot of your super, leaves you with a bit over 160 there this year with no contributions going in. We do expect growth out of the account, but it does mean the growth is gonna be a lot lower. So we just wanted to kinda show you the difference there. Okay? Yep.","start_word":4748,"end_word":4945,"sentiment":"neutral","sentiment_score":0.16832156479358673},{"text":"Beautiful.","start_word":4946,"end_word":4946,"sentiment":"positive","sentiment_score":0.5357102155685425},{"text":"Once you've moved into pension, as I mentioned, there's no no income taxes, no capital gains tax on any investments.","start_word":4947,"end_word":4966,"sentiment":"neutral","sentiment_score":0.18030939996242523},{"text":"We'll keep you in the same portfolio that you're in at the moment because it is saving you quite a bit of money. By moving everything into that account based pension account, you also will only have one account now, not two. So we'll save you about Yes. $234 a year on administration fees and an extra $380 for the year on investment fees as well.","start_word":4967,"end_word":5032,"sentiment":"positive","sentiment_score":0.41731518507003784},{"text":"So Yep. everything kinda goes down. Our ongoing service fee also drops because you've only got one account there as well. And, obviously, your contribution stopped. And then Yep. you've got your your income drawdown showing zero at the moment because we're doing that $160,000 drawdown, which is at the very top there. Okay?","start_word":5033,"end_word":5086,"sentiment":"neutral","sentiment_score":0.0218509454280138},{"text":"Beautiful.","start_word":5087,"end_word":5087,"sentiment":"positive","sentiment_score":0.40607479214668274},{"text":"And once you've done that one sixty, you'll see the hub 24 pension that recommended the balance there. That is the balance expected after we've done the transfer into the pension account, but after the 160,000 has been drawn down. Does that make sense? Yep. Yep. Yeah. Do you have any questions? I wanted to give you time to ask questions, and you're welcome to tell me if there's something you want me to break You down know, further for you. slowing No? a little nicely so far.","start_word":5088,"end_word":5175,"sentiment":"neutral","sentiment_score":0.0825643390417099},{"text":"Fantastic. Fantastic.","start_word":5176,"end_word":5177,"sentiment":"positive","sentiment_score":0.5540001392364502},{"text":"The next page gives you a projected outcome. So after the first year around about the 07/01/2027, so long as no additional funds are drawn out of the account there, you can sort of see we would expect you to have about a $167,005.66 in the account there. The current shows if you would essentially keep the accumulation and the pension account the way it is at the moment and didn't take that $1.60, you could end up with about 335,760. So it's showing you your current scenario versus the Yes. recommended, and the difference is the fees, obviously, plus the withdrawal amount there. Okay? Yep. Yep.","start_word":5178,"end_word":5284,"sentiment":"neutral","sentiment_score":0.1511453241109848},{"text":"Beautiful. All good.","start_word":5285,"end_word":5287,"sentiment":"positive","sentiment_score":0.4346442222595215},{"text":"So that is essentially stage two. As of the June 25, we find out when your last contribution is. We can roll the funds. We wanna make sure that, obviously, you're you're getting your last pay, and we have that all the funds rolled back into accumulation, but we wanna make sure that you get your last pension payment out of that TTR account as well. So Yep. we'll make sure that the, sorry, the rollover is in line with your pays. Yeah. That way, So we the we don't want you to end up with a pay less or anything. So yeah. Yeah. So the twenty fifth would be a Friday. We would get paid on a Tuesday. So the following Tuesday would be my final pay, Yep.","start_word":5288,"end_word":5416,"sentiment":"neutral","sentiment_score":0.06674290708331175},{"text":"Beautiful.","start_word":5417,"end_word":5417,"sentiment":"positive","sentiment_score":0.35931122303009033},{"text":"which would be June, or thirtieth. Yep.","start_word":5418,"end_word":5424,"sentiment":"neutral","sentiment_score":0.1714865267276764},{"text":"Perfect.","start_word":5425,"end_word":5425,"sentiment":"positive","sentiment_score":0.4095885753631592},{"text":"Yes. April. Yep.","start_word":5426,"end_word":5428,"sentiment":"neutral","sentiment_score":0.24523818492889404},{"text":"Lovely.","start_word":5429,"end_word":5429,"sentiment":"positive","sentiment_score":0.5508689880371094},{"text":"I'll make a note to check hub to check the hub twenty four account, note that when your last pension payment is due out of there, and we can make sure it works in in in coincides with that for you. Okay? Yep. Okay.","start_word":5430,"end_word":5473,"sentiment":"neutral","sentiment_score":0.2342175990343094},{"text":"Beautiful.","start_word":5474,"end_word":5474,"sentiment":"positive","sentiment_score":0.4894915819168091},{"text":"We then just need to make sure we know when your last contribution a payment goes into your account. We can roll everything back into accumulation. It doesn't take long to complete that, and then we'll organize that transfer back to pension phase on the July 1 and organize that withdrawal of a 160,000 out at the same time. It generally takes a couple of days to have that paid down, and we do the sell downs and the pension payment here. And then you'll have those funds so you can clear all your debts and be completely debt free. Okay? Yeah.","start_word":5475,"end_word":5576,"sentiment":"neutral","sentiment_score":0.231825590133667},{"text":"Beautiful.","start_word":5577,"end_word":5577,"sentiment":"positive","sentiment_score":0.5148701071739197},{"text":"As mentioned, I've not made any additional pension draw downs for this financial year because you'll have your annual leave, you'll have your long service leave, and Carolyn's still working there as well. And with not having a mortgage, that's one less payment to make for you guys as well. So we can definitely liaise. If you find you need extra money, we can make that work for you. It's not a problem. It's more just that trying to make sure your super works for you and works as long as possible because we are taking such a large lump sum out now. Yeah. We wanna Yep. make sure that, you know, we it still works hard for you down the track, and we get as much longevity out of your super that we possibly can. Okay. Yes.","start_word":5578,"end_word":5715,"sentiment":"neutral","sentiment_score":0.24193108459745627},{"text":"Yes. That's Perfect. it. Excellent.","start_word":5716,"end_word":5720,"sentiment":"positive","sentiment_score":0.675652027130127},{"text":"As I'm going through, you'll see as you're going through the pages there, there are the best interest duty, which is essentially noting how I've aligned the recommendation to your goals.","start_word":5721,"end_word":5751,"sentiment":"neutral","sentiment_score":0.3053378164768219},{"text":"I'll let you guys go back and have a really good read of these sections as well.","start_word":5752,"end_word":5768,"sentiment":"positive","sentiment_score":0.44971784949302673},{"text":"It's also noting advantages, disadvantages, and risks of the strategy and any additional alternatives that I've considered as part of the research for you as well. Okay? Yep. Try again.","start_word":5769,"end_word":5798,"sentiment":"neutral","sentiment_score":0.16553530097007751},{"text":"Beautiful. There's a lot there.","start_word":5799,"end_word":5803,"sentiment":"positive","sentiment_score":0.4125970005989074},{"text":"Sorry. Oh, yeah. There it is. Yeah. If you go down to page number 45 for me, this is essentially stage number three, and this is in September. So this is when Carolyn turns 50 and you get to retire.","start_word":5804,"end_word":5843,"sentiment":"neutral","sentiment_score":0.07496973872184753},{"text":"Beautiful. Yes. Perfect.","start_word":5844,"end_word":5846,"sentiment":"positive","sentiment_score":0.5371233820915222},{"text":"So in the last conversation, we talked about how you also both wanted to buy that hybrid caravan.","start_word":5847,"end_word":5864,"sentiment":"neutral","sentiment_score":0.22257737815380096},{"text":"Weren't really sure on how much it was gonna cost, but the hybrid hybrid caravan is a goal so you can both just enjoy your retirement years and travel a little bit and go away.","start_word":5865,"end_word":5899,"sentiment":"positive","sentiment_score":0.40279969573020935},{"text":"Yes. One of the things that you wanted to originally do was to draw down all of your super to be able pay off the mortgage, but that will all be covered with Neil's drawdown, so you won't have that expense. I have looked at drawing down all of it versus some of it. Drawing That's down all. if you've got about a 124,000 in there, drawing down half of it to cover caravan and give you some additional buffer money is good, but it doesn't leave enough in there to really have the growth working. Essentially, when you think of yeah. So when you sort of think about having money invested, if you have, say, 50,000 invested and you get a 5% return, that 5% return is much smaller on 50,000 than it would be on, say, 2 or $500,000. So having a smaller balance left in there, whilst it still does receive an interest it still does grow and still does receive, you know, the returns, it's still it's gonna be lower and it's gonna be slower growth.","start_word":5900,"end_word":6079,"sentiment":"neutral","sentiment_score":-0.00006347447633743286},{"text":"You're still paying fees for having the account open. And with no contributions there, you do risk the balance being eaten away.","start_word":6080,"end_word":6101,"sentiment":"negative","sentiment_score":-0.5152490735054016},{"text":"So what I am recommending and what I've looked at doing for you is just suggesting, Caroline, at 60, we do a full withdrawal. We draw all the money from your super down to your bank account for you.","start_word":6102,"end_word":6140,"sentiment":"neutral","sentiment_score":0.22001412510871887},{"text":"You can utilize the funds to purchase your caravan. And then, essentially, with what's left over, you can supplement and keep as a buffer so that you can cover that $600 per week income that you guys will be needing over the next twelve months. You essentially only need to keep about 31,200 aside available to cover that $600 per week, and that gives you both your regular income as per your goals. And then the rest of the money can essentially be used to put towards a caravan or a bit of buffer or a holiday or a new car or whatever it is that you decide you want at a time.","start_word":6141,"end_word":6253,"sentiment":"positive","sentiment_score":0.3938586413860321},{"text":"Oh, okay. Yeah. I'm thinking now. Yeah. Yeah. Yeah. It still makes The sense other because reef otherwise, yeah. it's gonna dwindle down to nothing. That's exactly right. Yeah.","start_word":6254,"end_word":6282,"sentiment":"neutral","sentiment_score":-0.07576671987771988},{"text":"That's exactly right.","start_word":6283,"end_word":6285,"sentiment":"positive","sentiment_score":0.4127717912197113},{"text":"So it does work out better just to take it out. The other thing I looked at is because we are taking out such a large lump sum from Neil's Super at the moment, it does reduce your super down to an expected about a 160,000. And you're still only 61, 62 this year, so you still do have a lot of living to do and a long Yeah. time in retirement there. Yep. An alternative strategy I have looked at is when we know how much you have left over, once you bought your caravan or once you've worked out how much you need for the caravan and we've maybe set aside some of that 31,200 income for you, We can also then look at what you have available and maybe do a one off contribution back into Neil's Super. We can always update the strategy, roll you back into Super, put some more money in, and then roll you back into pension and relook at the strategy then and see if gives you further longevity. I've discounted yeah. So I've discounted that now because we don't know how much you need for the caravan. Yes. Yeah. It is best to kind of work out what your goals are, what you wanted to to happen with the funds first, and then see what you have left over.","start_word":6286,"end_word":6513,"sentiment":"neutral","sentiment_score":0.13890890992785754},{"text":"But it is definitely worthwhile, especially with the volatility.","start_word":6514,"end_word":6522,"sentiment":"positive","sentiment_score":0.4956315457820892},{"text":"I mean, you can't kinda get away from the news at the moment, and we've seen the ups and downs in the market with what Trump's doing with what's happening. And every invest every investment portfolio has had those ups and downs. Even in a balanced environment, conservative environment, you still do see some ups and downs. It is limited by taking less risk in the market, but the ups and downs are still expected. So by having that 31,200 sitting in the bank account, it's giving you a bit of a buffer for twelve months so we don't have to then access Neil's super, and it's meaning that it can allow it to go through its ups and downs. We're not taking money out to cement losses at a downtime. We're just giving Yes.","start_word":6523,"end_word":6657,"sentiment":"neutral","sentiment_score":0.06142256781458855},{"text":"it twelve months to kind of recuperate and start to grow and see where it needs to go from there. And you have your first year's worth of income payments sitting nice and safely in your bank account where it's not gonna dwindle away.","start_word":6658,"end_word":6701,"sentiment":"positive","sentiment_score":0.40409794449806213},{"text":"Okay? Yes. Yes.","start_word":6702,"end_word":6704,"sentiment":"neutral","sentiment_score":0.23128867149353027},{"text":"Yep. Beautiful. Does that make sense?","start_word":6705,"end_word":6710,"sentiment":"positive","sentiment_score":0.4898591637611389},{"text":"Do you have any questions so far? You're welcome to ask me if you do. So if we decide that we're going to wait a little longer to buy a hybrid caravan, we just leave Caroline's super as it is.","start_word":6711,"end_word":6750,"sentiment":"neutral","sentiment_score":0.23932656832039356},{"text":"You absolutely can. Yeah. Definitely.","start_word":6751,"end_word":6755,"sentiment":"positive","sentiment_score":0.5905101895332336},{"text":"Yep. So if it's Yeah. if you get to 60 carol and you decide you don't wanna buy a caravan right now, you just wanna leave your super in the account, that's absolutely fine. We'll just leave it sitting in the account. We can also talk about even withdrawing it and putting it in with Neil's. There's lots of other strategies that we can talk about, lots of other research that we can do. But if you get to September and you go, hey. Look. I probably don't want this yet. Let's say you look at putting it all into Neil's or half into Neil's or, you know, what we need to maybe do, we can do that for you. Yeah.","start_word":6756,"end_word":6876,"sentiment":"neutral","sentiment_score":0.09331338852643968},{"text":"Absolutely. More money definitely makes more money. Absolutely. So we can look at doing that for you down the track.","start_word":6877,"end_word":6896,"sentiment":"positive","sentiment_score":0.3939210176467895},{"text":"If we look at doing that, I will wanna look at, you know, what we need to do to make sure that you guys are then receiving income. So maybe putting it into Neil's Super and looking at income draw downs from that to see what that looks like for you. I would compare that with keeping it in your account and drawing income from your account and holding his. But I can do Yes. all that research down the track. There's no, yeah, there's no requirement for you to make the decision now. You can wait till September and we have another catch up and you go, hey. Well, maybe I don't want this. Maybe I, you know, do want this. Or if Neil decides he's a bit bored with being retired and wants to go back to work and, you know, doesn't need to draw down from his super, we can look at what strategies there are in place, and I can do all the additional research and update the strategy for you guys. Okay? Looking at the caravan. We don't decide at the moment. So, Yeah. Yeah. you know, we're not hurry. And we can't tow Yeah. a boat in the caravan. Yeah. That's a problem. No. One or That's the other. that's Hey. a problem. And I don't Yeah. wanna have it on the phone, you know, your Yeah. time and stuff. So We we're, you know, Yeah. thinking Yeah. about a lot of other things. We've just come back to the Yeah. and some things that we've met up there, They're Mhmm. ten years out seniors, and Yeah. they use two vehicles. They have a boat and they have a caravan. And it's like, the the process of fuel at the moment? Wow. Yeah. Yeah. Yeah. Understandable. It's Yeah.","start_word":6897,"end_word":7200,"sentiment":"neutral","sentiment_score":0.03349064844415376},{"text":"definitely taken a bit of a hit over the past couple of months.","start_word":7201,"end_word":7213,"sentiment":"negative","sentiment_score":-0.4725829362869262},{"text":"That's for sure. Okay. But at the same time, Yeah. I think they are self funded retirees. Yeah. Yeah. But, anyway No. Thank Add. you, please. Yeah. Yeah. But now look have a look through the the advantages, disadvantages. Have a talk about what you wanna do. As I said, if you sign this and we start implementing the stages and you get to one, you go, hey. I don't wanna do that. It's completely fluid. We can stop the advice. I can go back to the drawing board. I can talk to you about what your new goals are. I can do additional research on the different options and come back with a different strategy and change the strategy. So all of this is fluid and liquid and can be changed every couple of weeks, every couple of months, every couple of days if you wanted to.","start_word":7214,"end_word":7361,"sentiment":"neutral","sentiment_score":0.05727663263678551},{"text":"So I just sort of sat down and worked out what your goals are now, what you both told me you wanted to achieve, and this is how we achieve that now.","start_word":7362,"end_word":7393,"sentiment":"positive","sentiment_score":0.3589305877685547},{"text":"And then we can always change it down the track because, I mean, when we spoke in January and even a few weeks Yes. back, fuel wasn't as crazy. It has.","start_word":7394,"end_word":7424,"sentiment":"neutral","sentiment_score":0.053601861000061035},{"text":"It then kinda got really expensive and then really cheap, and then everything's still gotten really expensive, and there's still a lot of volatility out there.","start_word":7425,"end_word":7450,"sentiment":"negative","sentiment_score":-0.43467044830322266},{"text":"So there's a lot going on.","start_word":7451,"end_word":7456,"sentiment":"neutral","sentiment_score":-0.2586420476436615},{"text":"Yeah. That's good.","start_word":7457,"end_word":7459,"sentiment":"positive","sentiment_score":0.5150702595710754},{"text":"Yes. Yeah. Yeah. Yeah. It's Yeah. always But always no good. And yeah. when it gets closed, Yep. it may retire. We'll talk about, you know, a bit more with that.","start_word":7460,"end_word":7490,"sentiment":"neutral","sentiment_score":-0.03480718657374382},{"text":"Absolutely.","start_word":7491,"end_word":7491,"sentiment":"positive","sentiment_score":0.3473784923553467},{"text":"Absolutely. What Yeah. I probably would like to do with you both, if you're comfortable, you can sign and take on the advice now. And then what we'll do is, Neil, we'll do your switch in the account, and then I can book you in for a bit of a catch up, say, the week of the June 20. We can do a bit of a catch up that night and say, hey. What's happening? You know, you're due to retire. We can work out when your contribution is, make sure you're comfortable proceeding there. And then just before your sixtieth birthday, Caroline, we can always do another catch up then, and we can work out, you know, what you wanna do, how you wanna proceed, and we can update the advice as you need to. Okay? Yeah.","start_word":7492,"end_word":7629,"sentiment":"neutral","sentiment_score":0.19611458480358124},{"text":"Okay. That sounds good. That's good. Yeah. Perfect.","start_word":7630,"end_word":7637,"sentiment":"positive","sentiment_score":0.6373948454856873},{"text":"Yeah. So you'll have a bit of reading through those couple strategies there. Because with this strategy, Neil, we're not looking to withdraw anything out of your super as of yet. I would wanna, at the moment, with the current strategy, hold off until the 07/01/2027, Yes. in which point we would start to then draw down that regular income of $600 per week. One thing I wanted to show you was if you go down to page number 50 for me, and this is why it might be important to maybe revisit the strategy in September there for you, Caroline, is that given the current balance with where we'd expect you to be at July 2027 given the projection amount, if you're then withdrawing $600 per week, which meets the minimum requirement, it does actually show that your super is only gonna realistically last about seven years. Yep.","start_word":7638,"end_word":7786,"sentiment":"neutral","sentiment_score":0.15155622243081163},{"text":"So if we can look at other ways to boost super, maybe put some more money back in after the withdrawal, There are it's definitely all the strategies I would like to make, but I wanted to show you we can meet your goal here.","start_word":7787,"end_word":7831,"sentiment":"positive","sentiment_score":0.43253093957901},{"text":"It does then reduce the longevity of your super.","start_word":7832,"end_word":7840,"sentiment":"neutral","sentiment_score":0.31459149718284607},{"text":"But then also in six years, you're eligible for Centrelink.","start_word":7841,"end_word":7850,"sentiment":"positive","sentiment_score":0.3565191328525543},{"text":"So you would essentially be able to retire now and then use up most of your super and end up on Centrelink, but then it does only mean you've got Centrelink from there on out, which can Centrelink doesn't always cover everyone's living expenses. It's not meant as an income replacement, Yeah.","start_word":7851,"end_word":7902,"sentiment":"neutral","sentiment_score":0.10016940534114838},{"text":"and it often often does leave people just on or just around the poverty line there. So it's not preferable.","start_word":7903,"end_word":7922,"sentiment":"negative","sentiment_score":-0.4357580542564392},{"text":"If, you know, after June, July, you tell me you're gonna go back to work, that's fine. I'll redo a strategy, and we'll work out what we do, you know, moving forward for you.","start_word":7923,"end_word":7956,"sentiment":"neutral","sentiment_score":0.04716900736093521},{"text":"So this is just what we do now to help you meet the goals that you that we've got, but this is also the the expected outcome based on that those recommendations.","start_word":7957,"end_word":7988,"sentiment":"positive","sentiment_score":0.45916327834129333},{"text":"And I wanted to be honest with you, it does show that realistically about seven years in your super won't be there anymore, and we will have to rely solely on settling down the track. Okay? Yes. Yeah.","start_word":7989,"end_word":8026,"sentiment":"neutral","sentiment_score":0.1404072493314743},{"text":"Oh, good.","start_word":8027,"end_word":8028,"sentiment":"positive","sentiment_score":0.5291756987571716},{"text":"But you do have all those strategies in there for you to read over the advantages, the disadvantages, the risks involved, any alternatives I've looked at for you guys. And one thing I would like to do is because at this point with this recommendation and I would like you no matter what we do, but when we move you into an account based pension, if you go down to page number 58 for me, it's actually recommended that we set up a beneficiary a different way. So there are different types of beneficiary nominations that we can set up. You have a non lapsing oh, sorry. A nonbinding, which basically means that you file the nomination and the trustee decides what they what they're gonna do with the money. You have a binding nomination which binds the trustee. But then when you're in pension phase, you have what's called a reversionary.","start_word":8029,"end_word":8180,"sentiment":"neutral","sentiment_score":0.09987732895502918},{"text":"I am going to recommend, and I like this whenever there is a pension account, and I think it's really important for you guys moving forward even if we, you know, roll back or make changes to the strategy.","start_word":8181,"end_word":8219,"sentiment":"positive","sentiment_score":0.5149490833282471},{"text":"For yourself, Neil, whenever you do have a pension account, we do set up a reversionary beneficiary. Because what this essentially means is that if you were to pass away and you were in pension phase, if Carolyn didn't have much super or if we end up moving all of her super, whether it paid to the bank account or whether it go into your account to sort of grow together, she won't have any kinda income coming out. And when you have a binding nomination form, if you were to pass away and she didn't have any super there, it essentially means that she has to go through a claims process to get the money, and the pension payments actually stop. By having this reversionary beneficiary, it would mean that if you're in pension and say $600 is coming out of that pension every week and going to your bank account and you then pass away, that $600 continues to be paid to Carolyn. It does not stop. And that essentially means that the pension continues, which does not give her any income payments, which can be really important at that sort of time frame as well. So Yep.","start_word":8220,"end_word":8419,"sentiment":"neutral","sentiment_score":0.04066444933414459},{"text":"I do wanna make sure that no matter what strategy we have, that we do always have access to and have applied a reversionary beneficiary to make sure that if anything did happen to you, haven't it been, I'd love it if nothing happens and you get through this retirement years and you enjoy yourself immensely.","start_word":8420,"end_word":8475,"sentiment":"positive","sentiment_score":0.3775444030761719},{"text":"But if anything was to happen, that we are protecting Caroline and making Yep. sure that those income payments do continue. Yeah. Does that make sense? Yep.","start_word":8476,"end_word":8502,"sentiment":"neutral","sentiment_score":0.2669629454612732},{"text":"Certainly does.","start_word":8503,"end_word":8504,"sentiment":"positive","sentiment_score":0.4018460512161255},{"text":"Yeah.","start_word":8505,"end_word":8505,"sentiment":"neutral","sentiment_score":0.30305740237236023},{"text":"It's just one thing that I do like about the pension stage. It's something that I try to make sure is implemented no matter what.","start_word":8506,"end_word":8530,"sentiment":"positive","sentiment_score":0.404192328453064},{"text":"I do think it's especially with the, you know, the cost of living and the way everything is. But even at that point in time when someone's passed away, there's often other expenses, family coming to town, you know, lots of food to buy, and there's lots of expenses going out everywhere. So Yes. continuing those pension payments does does become quite an important aspect, and it's something that not a lot of people know about what a reversionary beneficiary is, but it's one thing that I kind of wanted to make sure that you were aware about and that no matter what we do, we always provide this level of protection Yep. with Carolyn because all of these strategies seem to be where Carolyn's super either gets drawn out to buy a caravan to cover the income payments in the banking account or goes into your Super. No matter what we do with that money, it makes it so she no longer has any Super there. So Yeah. No. I'm gonna making do that. sure she is protected long term and is able to draw income no matter the scenario Yep. puts a protection in place for both of you, but also for Carol and down the track there as well. Does that make sense? Certainly. Yeah. Yeah.","start_word":8531,"end_word":8749,"sentiment":"neutral","sentiment_score":0.15669859945774078},{"text":"Perfect.","start_word":8750,"end_word":8750,"sentiment":"positive","sentiment_score":0.476810097694397},{"text":"Now there is a lot there, and I completely understand. Yeah. It's I not always checking. try to go through it as easily as possible, but there is a lot to go through, especially on the phone. So I will let you guys go back now. Have a really good read of it page by page. Let me know if you do happen to have any questions there.","start_word":8751,"end_word":8818,"sentiment":"neutral","sentiment_score":0.06514754014856675},{"text":"Yep. If you decide you just wanna sign this and we start implementing it and we do catch ups down the track at all the stages, that's absolutely fine.","start_word":8819,"end_word":8847,"sentiment":"positive","sentiment_score":0.4503814280033112},{"text":"If you decide right now there's something that you don't wanna go ahead with, that's absolutely fine. On the very last page, we've actually got a text box for you. So I believe it's down on page number 75. There should be a little text box there. If there's any section of the strategy that you don't wanna take on board, you just write in the text box that you don't wish to take on this section or this strategy. You wanna change something. You just write it in there.","start_word":8848,"end_word":8937,"sentiment":"neutral","sentiment_score":0.06293652951717377},{"text":"If you're happy just to take all the recommendations for now, we'll get you to sign and return it back.","start_word":8938,"end_word":8957,"sentiment":"positive","sentiment_score":0.45050451159477234},{"text":"And I'll make sure that at June, Neil, we do a catch up. We talk about where you're at retirement wise, and then Yep. we can always do a catch up afterwards if you'd like to. And then Caroline, before you retire, we'll do a catch up there as well. So we get we give you those opportunities to change the strategy and make sure that we're evolving it as the year goes on because a lot can happen in a month, a lot can in six months. You just never Yeah. know what what Yeah. could happen. Yeah. I mean, like, I got a fine tool there because we're not due to go back to Wednesday. Yeah. And my son sent me a message today asking if I was working tomorrow. And I said, no. No. I don't go back to Wednesday. He said, do you wanna come and work a day with me? He's building sheds. So that's what I intend to do after I've retired and then unretire.","start_word":8958,"end_word":9128,"sentiment":"neutral","sentiment_score":0.04440850391983986},{"text":"Beautiful. Beautiful.","start_word":9129,"end_word":9130,"sentiment":"positive","sentiment_score":0.42501145601272583},{"text":"But is it a bit of cash in hand work, or is it full employment No. No. No. wise? No. It Or will be it will still be an income because I Yep. don't think he can actually pay cash out on the the I think Yeah. he's classed as a sole trader. Yeah. Makes sense. Yeah. Yeah. Sorry. Yep. Yeah. No.","start_word":9131,"end_word":9192,"sentiment":"neutral","sentiment_score":-0.07575410940954762},{"text":"That's cool. That sounds really fun.","start_word":9193,"end_word":9198,"sentiment":"positive","sentiment_score":0.6503149271011353},{"text":"Well, we'll definitely make sure that we catch up and, you know, alter the strategy after we start it. So the first thing I Yep. would really like to do is just have that investment switch completed for you. And then in June, we do the pension and the drawdown. And then Yep. from there, we can do catch ups as you need it. I don't mind if you wanna catch up every two or three weeks. You tell me what you need, and I will make sure it happens for you. Yep. And then we can talk about what changes we need to make, what, you know, your what changes you have in your goals, and I can do all the different research required to come up with a new plan every so often.","start_word":9199,"end_word":9333,"sentiment":"neutral","sentiment_score":0.26622462272644043},{"text":"So we just keep evolving the strategy so it works Yep.","start_word":9334,"end_word":9344,"sentiment":"positive","sentiment_score":0.397866815328598},{"text":"for you guys long term. Alright. Okay? The only Yeah. thing that might change is that I retire a little bit earlier, Yep. And then and then, like I said, you know, just going to start unretiring after a couple of months and then go Yep. and work on me. I'm like And that's absolutely fine. Yeah. yep. No. Not a Okay. problem at all. Yeah. The only thing I I would be cautious about is, like, retiring early is no problem at all. It's just if we draw that 160 down before the June, then in pension phase, you still have to draw down the in the minimum income payment, which means more money has to come out of the pension. Okay. Yep. Alright. If we roll you back to accumulation, you don't have to meet that requirement, but it all has to be done before the July 1. So that's Yep. why I sort Yeah. of No. the way That's I worked alright. it is to draw that money down around the July 1. That way, you've met Yep. that requirement. You don't have to take more out of the pension account, Yep. and then we can either keep you there or roll you back.","start_word":9345,"end_word":9551,"sentiment":"neutral","sentiment_score":0.012068721614238144},{"text":"It's completely fine.","start_word":9552,"end_word":9554,"sentiment":"positive","sentiment_score":0.4151001870632171},{"text":"We've met Okay. that requirement for the government, and they're not gonna make you take too much more out of your super. Okay?","start_word":9555,"end_word":9577,"sentiment":"neutral","sentiment_score":-0.001367080956697464},{"text":"Very good. That sounds good. Yeah. Yeah. Beautiful. All good.","start_word":9578,"end_word":9587,"sentiment":"positive","sentiment_score":0.6185667514801025},{"text":"Well, I will let you guys read it through. Let me know if there's any questions. I've got in there also how to implement, and it basically runs you through all the steps that I would complete step by step for implementation. Again, if we change the strategy, those steps will change as well. Yep. Both of you are on 1.1% now. It is a coupling fee, and it will stay like that completely. Essentially, the way it does work, though, if we do end up drawing all of Carol and Sleeper out, you know, next year, Neil, your fee will probably go back to 1.65% again because it's just the one of you, but I'll make sure it's working for you.","start_word":9588,"end_word":9709,"sentiment":"neutral","sentiment_score":0.15323568880558014},{"text":"And if I can go into bat and get 1.1, I will absolutely do that for you. So, Fantastic. yeah, I will always work for you.","start_word":9710,"end_word":9735,"sentiment":"positive","sentiment_score":0.4447748959064483},{"text":"Yep. My job is to work invest in just for you guys. So I know this is a lot. I'm so sorry. I'll I'll let you guys have a bit of a read through it. Let me know if there's any questions at all. Yeah. So we sign it. It's not just the end of the way it shows it, and then it's that that's also okay. I'm so sorry, Caroline. The phone just cut out. Can you repeat that for me? I'm so sorry. Yes. So we've done everything now. If there's anything Yep. can we is gonna change? We'll let you know when we check next, and we Yeah. can always Abs cancel. Yeah. yeah. Absolutely. Yeah. Absolutely. Yeah. Did you That's want good. me what I'll what I'll do is once you've read it through, if you have any questions, let me know. If Yes. you decide to sign it and return it back, I will get my lovely administration team member, Michelle. She'll give you a call, and she can find out when you want the next catch up to be. She'll book it in my calendar, and we'll make sure we catch up for that date, as we're going through so we can update the strategy for you. Does that work for you guys? Yep. Yeah. It works. Yep. Yeah.","start_word":9736,"end_word":9960,"sentiment":"neutral","sentiment_score":0.062432102710008625},{"text":"All good. Good. All good. Beautiful. Beautiful.","start_word":9961,"end_word":9967,"sentiment":"positive","sentiment_score":0.6036556959152222},{"text":"I'm sure this is not what you expected. That's right. No problem.","start_word":9968,"end_word":9979,"sentiment":"neutral","sentiment_score":0.2035602182149887},{"text":"That's good.","start_word":9980,"end_word":9981,"sentiment":"positive","sentiment_score":0.4335521757602692},{"text":"We need to get a sort of understanding what's gonna happen in the future, which is good. Yeah. Yeah. Yeah. Yeah. So that's good to know. So Yeah. might might have to rethink what I'm gonna do before I retire. Yeah. And that's okay. We can Yeah. do plenty of Yeah. other research, and we'll come up with another strategy. It'd be absolutely fine. So yeah. Yeah. Alright. Good. Good. Yeah. Yeah. Yeah. Yeah. But it does there is light at the end of the tunnel for you both. You both get to, you know, sit back and enjoy life a little bit more down the track. Yeah. There is light there.","start_word":9982,"end_word":10093,"sentiment":"neutral","sentiment_score":0.18452951312065125},{"text":"That's that's great. Yeah. It's fine. That's so good.","start_word":10094,"end_word":10102,"sentiment":"positive","sentiment_score":0.4853820502758026},{"text":"Yeah.","start_word":10103,"end_word":10103,"sentiment":"neutral","sentiment_score":0.30686479806900024},{"text":"All good.","start_word":10104,"end_word":10105,"sentiment":"positive","sentiment_score":0.3433232009410858},{"text":"Well, I will let you go. Have a bit of a read through. Let me know if there's any questions, and just take some time to talk it over, and feel free to let me know if there's anything you need in the meantime. Okay? Okay. Okay. Yep.","start_word":10106,"end_word":10153,"sentiment":"neutral","sentiment_score":0.16263261437416077},{"text":"Sounds great.","start_word":10154,"end_word":10155,"sentiment":"positive","sentiment_score":0.3599812686443329},{"text":"And we'll hear from you on the what? On the July 20? Yeah. Okay. Yeah. So it's on June. Yeah. Around the June 20. So let's actually book something in now for you then, Neil. Just what we've got you because my calendar does book out quite quickly. So let's go. June 20 is a Sunday, and you're Passcode. essentially the twenty fifth is a Thursday. Did you want me to make it the Monday the twenty second? Yes? Yes. Yes. Is No that worries. okay? Or did you Yep. want it the week before? No. No. The Monday, the twenty second, you're good. Yep.","start_word":10156,"end_word":10260,"sentiment":"neutral","sentiment_score":0.08265403161446254},{"text":"Perfect.","start_word":10261,"end_word":10261,"sentiment":"positive","sentiment_score":0.4259582757949829},{"text":"Alright. So and 04:00 your time is preferable? Yes? Yes. Yep.","start_word":10262,"end_word":10272,"sentiment":"neutral","sentiment_score":0.10308415442705154},{"text":"Beautiful.","start_word":10273,"end_word":10273,"sentiment":"positive","sentiment_score":0.4378719627857208},{"text":"So What I'll about book it? that one in I'll for still you. be working then. Unless I take a week week of sickies. Oh, that's I mean, how much sick leave do you have? Just short of five weeks. Wow. Wow. And they won't pay that long. No. They don't. I know. My mom's gonna retire soon, and I said to her, look. You need to use some of your sick leave up. Yeah. Can you Yeah. catch a cold here and there? And she's like, I probably could, Well, actually. I still play a lot of squash and I'm prone to injuries now. Nice. Never never wanna be happy about injuries, but in this No. instance, I think No. you should enjoy those injuries. Yeah. Yeah. But I I do have a good physio because he also plays golf. Oh, And he's yeah. also the worst physio. Oh, So he really? understands so he understands that they're the not not the nicest people to work for. Yeah. Yeah. Yeah. They're not.","start_word":10274,"end_word":10446,"sentiment":"neutral","sentiment_score":-0.10007454454898834},{"text":"They're not great at all.","start_word":10447,"end_word":10451,"sentiment":"negative","sentiment_score":-0.3925831913948059},{"text":"They're a bit worried about going back to work. Mhmm. Yeah. Anyway, that's how we share, not yours. Yeah. No. Oh, good. Well, I booked that one in for you Yep. there for the June 22 for a bit of a catch up in relation to the strategy. But like I said, if there's any questions, I can book you in again before that appointment. You don't have to wait till then. And Okay. if you just wanna start the strategy, I'll get you to sign and return it back, and then we can update things as we go. It's not a problem. Okay?","start_word":10452,"end_word":10555,"sentiment":"neutral","sentiment_score":0.07672847231151536},{"text":"Alright. It sounds fine. Thank you. Oh, my pleasure. Thank you so much for allowing me to put that together.","start_word":10556,"end_word":10575,"sentiment":"positive","sentiment_score":0.7078835964202881},{"text":"I really enjoyed that research component, and I'm so sorry I had to reschedule the last appointment for you both. No. That's alright. That's alright. Alright. Do you understand? Yeah. That's okay.","start_word":10576,"end_word":10607,"sentiment":"neutral","sentiment_score":0.13363048434257507},{"text":"Oh, thank you so much. I hope you both have a lovely evening. Yes. You too, Dana. All good. I'll talk to you both very soon.","start_word":10608,"end_word":10633,"sentiment":"positive","sentiment_score":0.6034095287322998},{"text":"Okay. Bye for now. Bye.","start_word":10634,"end_word":10638,"sentiment":"neutral","sentiment_score":0.1492537409067154},{"text":"Thanks. See you later.","start_word":10639,"end_word":10642,"sentiment":"positive","sentiment_score":0.482292115688324},{"text":"Bye.","start_word":10643,"end_word":10643,"sentiment":"neutral","sentiment_score":0.19224821031093595}],"average":{"sentiment":"neutral","sentiment_score":0.13704386178087388}}}}