{"metadata":{"transaction_key":"deprecated","request_id":"019e8fdc-45ed-72e0-90ae-dd00f5756404","sha256":"6353d7a099c6804fc87a76cbadf8dfe61e994e77dd678e59e3cfdaac6345c6d7","created":"2026-06-03T23:40:41.533Z","duration":1200.3119,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":4560,"output_tokens":132},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5057,"output_tokens":5067},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5057,"output_tokens":264}},"results":{"channels":[{"alternatives":[{"transcript":"Hello? Oh, no. That's fine. Absolutely. We can get that done. That's one thing less to worry about. Yep. Oh, beautiful. Fantastic. Thanks, Sam. Yep. I've got everything here ready to go. Hi, miss Zena. How are you this morning? That's good. I just had you booked in this morning to run through your updated statement of advice. Is now still a good time there for you? Yeah. That's okay. So you don't have access to your emails at the moment. Is that right? Yeah. That's okay. I normally just send the document through to you via email so you can kind of have a look at what I'm going through with you. But if it's not preferable for you to see your emails, like, if you have to put me on speakerphone, you're not anywhere secure, then I can just run through the advice for you if you like, give you a rundown, and you're welcome to have a bit of a look at it later. Yeah. Beautiful. Well, I'm just gonna take this one through to you. So here's in your email there for when you are able to look at it. What I'll do is I'll try I'll try to go through it in as brief as possible so that not to overcomplicate it. And if you find you do have questions, please let me know. Okay? Excellent. Excellent. Oh, good. So, Graham, this one here is essentially looking at your super. When you do look at the document there, you will know that it has been prepared for yourself with your lovely name on the very top there and my authorized representative number on the bottom of the document. So I'm a registered financial adviser with ASIC, and my registration number is 1304394. Okay? As you ask all into the document, you will note that we have scoped in certain areas for superannuation. You're looking forward to hopefully retiring at around the age six seven to 70 depending on how you're feeling and how your health is and how everything goes down the track there. You were hoping to, at the time, draw an income in retirement of about $650 per week. That could change down the track, and that's absolutely fine. This is what we're working on at the moment for your goal. Okay? We've got the new state planning side of things as well for you. So you don't have a will or power of attorney, and because we are looking at the t t the transfer time strategies as well, we do need to make sure a beneficiary is also applied to the account. I've looked at projecting forward to retirement. So because you are getting closer retirement years, you are hoping to retire at around at the age 67 to 70 depending on how things go down the track there. I have done a little bit of projecting forward looking at the possibility of Social Security retirement planning to a limited scope just to give you an idea of longevity based on your current goals. Okay? In areas that we're not looking at any additional advice today, we're not looking at areas of insurance. If you don't have any insurance, if you are happy not to have any, super is your main focus at the moment working towards your retirement goals. And, also, you wanted to pay your mortgage down as quickly as possible, but we're not providing any additional advice on that currently. If you did want additional advice down the track or wanted to speak to a mortgage broker, please let us know. We can certainly assist you in that area. Okay? You got that sorted. Fantastic. Excellent. In the device document, we do have all your assets and liabilities noted as per our last conversation. If there are any changes that you wanted to have updated when you look at the document, please let us know. Okay? To kind of run you through the recommendations, I have gone back and had a really good look at your super. Your super has well, has been growing quite steadily this year. We have seen quite a bit of volatility in the market, and that means that there has been some underperforming investments that we wanted to look at removing for you. The Benel Long Australian Equities is a good example of that one. That investment hasn't seen exactly what it was supposed to see. That investment has been underperforming, so we are looking to remove that investment. We're also looking to make some changes to your portfolio. So you'll see when you look at the document, there are gonna be some buyers and sales. Essentially, the portfolio you're in currently has seen when we look at the five year rolling average about 6.06% return average over the last five years there. What we wanna do is move you out of that portfolio and into something a little bit better that has shown a greater past return, which hopefully is down the track and provides you with a greater level of return. One of the big changes that we are making is removing that ban along Australian equities and putting you into the Australian 200. So this is the BetaShares a 200 investment. It actually gives you more diversification, and that investment is actually cheaper than BetterLoan as a whole. And when you look at the difference where by making the switch of these investments for you, we can actually save you about $1,295 on a yearly basis on investment fees. So it's gonna be cheaper for you. Does that make sense? The return? So the return on the newer portfolio has averaged 11.13% over the past five years. Yeah. So this portfolio is cheaper. It has shown a greater past performance. Admittedly, it's important to note that the projections and past performance are not guaranteed in any way, shape, or form. This is what the portfolios have shown in the past, which shows you essentially what they can make in the future if they saw the same market conditions. But we do know that markets will go up, markets will go down. This year alone, we have seen some very heavy volatility with what's been happening with The US and the Iran war. So we know that markets will go up, markets will go down. You're not guaranteed 11% every year over the next five to ten years. However, with the production moving forward, the saving fees, it does essentially show that you could end up in a much greater position if if this portfolio was able to make that 11% return every year moving forward. Okay? Perfect. Now it's also important to note that we do have capital gains consequences. So your super fund, just like you every year, does do a tax return. So in order to make the switch in the investments, we're buying and selling in the most cost effective way. But your super fund will account for a capital gains consequence of about $651. Essentially, you don't have to pay any of that. That's all held and dealt with by your super fund. But it just means that after we complete the switch of the investments, there is a CGT consequence for your super, and this super fund will pay that. We minimize it as much as possible to about $651, but it's a small cost considering the investment switch saves $1,200 in investment fees. So, overall, you're gonna be saving more money, and the this portfolio has seen a greater past performance. So it can definitely, down the track, provide you with a greater level of return. Okay? That's exact that's exactly right. That's exactly right. I have, as we mentioned, done some projecting forward. Given your current circumstances, after all the advice has been put into play, we can see you being able to draw that $650 on a weekly basis down from super to be able to support your income needs. The projection we do is more conservative when we're looking at the retirement because you're in a growth portfolio now. You're wanting to take more risk now to obtain a greater potential return. However, as you get closer to accessing super and in those retirement years, you're not gonna wanna be in the same level of risk. We don't want you to be taking more risk. Yeah. So we do have a much more conservative projected return here, but, essentially, it does show that given your current circumstances, you should be eligible for the for some age pension there as well to offset some of your super. And between the two, we can see you meeting your goal, drawing that $650 per week down, and being able to sustain super as well as some age pension until around about age 90 at the moment, and we wanna make sure that we're reviewing this strategy every year so we can continue to update and hopefully build on that for you. Okay? Beautiful. Now the other thing which is a little bit more confusing, I'll try to make it as simple as possible, is that transit your time sort of strategy we talked about. So because you're 60, there are ways that you can provide a much greater boost to your super by increasing your contributions in. However, by increasing contributions in the super, it does affect your take home pay. So because you're 60, we're able to implement this transition to retirement strategy where we can actually increase your contributions in the super. We used your most recent payslip you provided to project out your salary. We're not planning to start this this financial year, sir, because we are very close to June. We're looking to start this as of the July 1. Essentially, how this will work for you, Graham, is we will keep keep about a 156,000 in your super accumulation account. We will move a 160,000 into a secondary it's called a transition retirement pension account, so you'll have two super accounts. One super, one pension. We increased your contributions for the year to 900 sorry. $9,875. So you put more money in the super by way of salary sacrifice, and then we're gonna draw some money out of your super to replenish your income. Overall, you save on tax because the money going into super is only taxed at 15% as opposed to your marginal tax rate. And then because you're over 60, under this TTR strategy, we're able to access a minimum of 4% of your super and a maximum of 10%. So we're able to replenish your income, and we can draw less money at them we're putting in to bring your income back to your to your net take home pay. With the math that I've got in yeah. Yeah. Yeah. Before, it affects the 15%. Sorry. I'm not quite sure I understand. At the moment, it is. The next financial year, it goes up to 32,500. So we have looked to maximize next year's contributions cut because we're not gonna start this or do anything with this PCR until the first of July. We don't wanna do anything right now. We wanna wait till next financial year because the cap increases for you. You weren't able to you weren't able to look at your myGov account and get your catch up contribution. So me and my team have gone back, and we've looked at all of your contributions over the past five years in the super. And we've also worked out that you have approximately $59,645 of unused concessional caps from the previous five years. Now what we have done because we are looking to maximize next year's cap, we don't wanna kinda do anything that's gonna negatively affect you. And because your income is quite fluid, you get your co bonuses, which is also included in your income. Your contributions fluctuate depending on your bonuses and your income as well. So we've used your gross income. We've averaged it out over the, essentially, the twelve month period to work out what we expect you to earn. We've then looked at the contributions cap and worked out what we expect your contributions to be, and then we've worked it all out based on that, which means that you have approximately, for next financial year, $9,875 in contribution cap space, which we're gonna maximize out to bring your contributions up to the cap. Because you have that extra 59,000 of unused cap space, if we go over the cap in any way, if your income increases in any way, that is absolutely okay. You've got an extra 59,000 of unused cap space that we can utilize, so it's not gonna negatively impact you in any way. Does that make sense? Yep. So if you get a bonus yep. Yep. Absolutely. Yep. Yep. Yeah. Absolutely. That's correct. Yeah. And because the tax inside super is so much less, the money you're drawing out of super to replenish your income is completely tax free. So it works out under the strategy. You're actually saving on income tax. We estimate the saving on income tax to be about $2,659. When you're looking at this on page number 28, have a look at it. Run through the numbers. If you have questions, let me know. I know it's a bit hard because you're not seeing the documents there, but I've got all the numbers outlined for you showing you your current salary based on our projected outcome, the salary sacrifice. You've got your current income tax versus what we proposed with the strategy. We've got also the net take home pay and how much you put in and draw out and kind of broke it all down for you. But we definitely wanna start this as of the July 1 to make it easier. How I work this strategy, because salary sacrifice reduces your take home pay, I will always make my team open the pension account first. We then work out your first drawdown. Make sure your drawdown happens out of the pension account and then get your salary sacrifice into play. That way, the first amount comes down to your bank account, and then you start salary sacrificing so that it doesn't negatively impact you. Does that make sense? Yeah. I just wanna never wanna sort of make it that you're running, you know, with a mortgage and with life and living expenses. We never wanna make it that you're putting more into super than you're drawing out. But this strategy actually keeps your take home pay a little bit higher than what it is currently, and we've got a backup. So if if you earn a little bit more, if your you know, you guys do really great and your co bonus is really high for next year, we have that touch of contribution space to allow. This strategy does need to be reviewed every year so that we can replenish and alter and change it, especially then as your income tends to go up on a, you know, a yearly basis, which is a fantastic benefit. And it's just about making sure we're putting as much as we can into super and building on super for your retirement. Okay? Beautiful. We also do need to make sure that beneficiary nominations are put in place for that transit to your retirement pension accounts, and my team will assist and help you with that. And then we've also got a recommendation in here that you do speak to the solicitor that have a will and power of attorney set up. We have beneficiary nominations in place for your super, but it's also about protecting all of your other assets outside of super, your house, your cars, your savings account, things like that. There's not always there's not always a set process. And if you did pass away and you did not have a will in place, regardless of your circumstances, even though you are married, essentially, there's no guarantee that everything goes directly to your wife. I have seen in certain circumstances where because if you die in probate, people can come forward and make a claim, and it's up to a judge to make a decision. And a judge follows the legislation, but if they see any sort of claim that they think is valid, they can definitely pass money or assets to another party in which you do not want to have that money or the assets. So it is really important to have a will and the power of attorney set up to protect everything else that you've worked hard for and making sure that your family know that you have beneficiaries on file, that you do have a will, and where those things are located in the event that something happens. Okay? Yeah. Beautiful. Look. I wanted to kind of make this as easy and as brief as possible because you're not looking at the document. Don't wanna over confuse it or overcomplicate the advice at all. I will let you go back to have a really good read of the advice. I've got the best interest you need, the advantages, disadvantages, any risks involved, and any alternative strategies we've considered as well. We've outlined all the math in there for you to have a bit of a look at and all the fees as well so you can sort of see the difference and what the costing looks like. Did you have any questions at the moment? Yeah. Yeah. Absolutely. Absolutely. Yeah. Absolutely. What I'll do if you like, I will I've sent this through to you so it is there. Have a look at the advice document as soon as you can, sometime today or tomorrow. I am away tomorrow, and I'm away Monday, but I can get my team to give you a call maybe next week or the week after if you wanted just to see if you had any questions in relation to that. And they can always book in another time for you just to have a bit of a follow-up so you can ask any questions that you have, and we can kind of just revisit that advice. Essentially, we wanted to do the investment switch now because we need to get those investments changed. Do the investment switch now? Yeah. It hasn't done gone a great deal. So when we spoke in January, your balance is about $312,007.63. We're up to 318,000 now. So it has only increased by 1.61%. It's not a great not a great increase. Yeah. So the return does not include your contributions. That is only factoring in the income plus the growth in the portfolio. Think of your contributions as essentially capital. It's principal. It is put into the portfolio, and it does help to make it grow, but we also just wanna make sure that, yeah, the returns they're looking at are the income that is generated from your principal or from your contributions and from your portfolio and the growth. And it is it is a much smaller amount, and a lot of that is because of a, Van Alon hasn't been performing very well for you and also what's happening globally at the moment. But it's good to take this opportunity to use then along while it is down to offset any additional gains. We'll rebalance your portfolio and make some changes to it, and then sort of monitor it moving forward and make sure it is sort of growing a bit more for you. Okay? All good. I will let you go. I don't wanna overcomplicate it too much today for you, but, I've emailed it through to you. A really good look at the document. If you're happy to take the recommendations on board and don't have any questions, let me just sign and return it back. If you do have any additional questions, let me know, and I'll make sure my team follow-up probably next week or the week after just to sort of book in a time to see if you do have anything that's said that you wanna discuss or any any questions you have in relation to that advice document. Okay? That's okay. Thank you for calling me back. I appreciate your time today, Graham. Thanks. 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Oh, no. That's fine. Absolutely. We can get that done.\n\nThat's one thing less to worry about. Yep. Oh, beautiful. Fantastic. Thanks, Sam.\n\nYep. I've got everything here ready to go. Hi, miss Zena. How are you this morning? That's good.\n\nI just had you booked in this morning to run through your updated statement of advice. Is now still a good time there for you? Yeah. That's okay. So you don't have access to your emails at the moment.\n\nIs that right? Yeah. That's okay. I normally just send the document through to you via email so you can kind of have a look at what I'm going through with you. But if it's not preferable for you to see your emails, like, if you have to put me on speakerphone, you're not anywhere secure, then I can just run through the advice for you if you like, give you a rundown, and you're welcome to have a bit of a look at it later.\n\nYeah. Beautiful. Well, I'm just gonna take this one through to you. So here's in your email there for when you are able to look at it. What I'll do is I'll try I'll try to go through it in as brief as possible so that not to overcomplicate it.\n\nAnd if you find you do have questions, please let me know. Okay? Excellent. Excellent. Oh, good.\n\nSo, Graham, this one here is essentially looking at your super. When you do look at the document there, you will know that it has been prepared for yourself with your lovely name on the very top there and my authorized representative number on the bottom of the document. So I'm a registered financial adviser with ASIC, and my registration number is 1304394. Okay? As you ask all into the document, you will note that we have scoped in certain areas for superannuation.\n\nYou're looking forward to hopefully retiring at around the age six seven to 70 depending on how you're feeling and how your health is and how everything goes down the track there. You were hoping to, at the time, draw an income in retirement of about $650 per week. That could change down the track, and that's absolutely fine. This is what we're working on at the moment for your goal. Okay?\n\nWe've got the new state planning side of things as well for you. So you don't have a will or power of attorney, and because we are looking at the t t the transfer time strategies as well, we do need to make sure a beneficiary is also applied to the account. I've looked at projecting forward to retirement. So because you are getting closer retirement years, you are hoping to retire at around at the age 67 to 70 depending on how things go down the track there. I have done a little bit of projecting forward looking at the possibility of Social Security retirement planning to a limited scope just to give you an idea of longevity based on your current goals.\n\nOkay? In areas that we're not looking at any additional advice today, we're not looking at areas of insurance. If you don't have any insurance, if you are happy not to have any, super is your main focus at the moment working towards your retirement goals. And, also, you wanted to pay your mortgage down as quickly as possible, but we're not providing any additional advice on that currently. If you did want additional advice down the track or wanted to speak to a mortgage broker, please let us know.\n\nWe can certainly assist you in that area. Okay? You got that sorted. Fantastic. Excellent.\n\nIn the device document, we do have all your assets and liabilities noted as per our last conversation. If there are any changes that you wanted to have updated when you look at the document, please let us know. Okay? To kind of run you through the recommendations, I have gone back and had a really good look at your super. Your super has well, has been growing quite steadily this year.\n\nWe have seen quite a bit of volatility in the market, and that means that there has been some underperforming investments that we wanted to look at removing for you. The Benel Long Australian Equities is a good example of that one. That investment hasn't seen exactly what it was supposed to see. That investment has been underperforming, so we are looking to remove that investment. We're also looking to make some changes to your portfolio.\n\nSo you'll see when you look at the document, there are gonna be some buyers and sales. Essentially, the portfolio you're in currently has seen when we look at the five year rolling average about 6.06% return average over the last five years there. What we wanna do is move you out of that portfolio and into something a little bit better that has shown a greater past return, which hopefully is down the track and provides you with a greater level of return. One of the big changes that we are making is removing that ban along Australian equities and putting you into the Australian 200. So this is the BetaShares a 200 investment.\n\nIt actually gives you more diversification, and that investment is actually cheaper than BetterLoan as a whole. And when you look at the difference where by making the switch of these investments for you, we can actually save you about $1,295 on a yearly basis on investment fees. So it's gonna be cheaper for you. Does that make sense? The return?\n\nSo the return on the newer portfolio has averaged 11.13% over the past five years. Yeah. So this portfolio is cheaper. It has shown a greater past performance. Admittedly, it's important to note that the projections and past performance are not guaranteed in any way, shape, or form.\n\nThis is what the portfolios have shown in the past, which shows you essentially what they can make in the future if they saw the same market conditions. But we do know that markets will go up, markets will go down. This year alone, we have seen some very heavy volatility with what's been happening with The US and the Iran war. So we know that markets will go up, markets will go down. You're not guaranteed 11% every year over the next five to ten years.\n\nHowever, with the production moving forward, the saving fees, it does essentially show that you could end up in a much greater position if if this portfolio was able to make that 11% return every year moving forward. Okay? Perfect. Now it's also important to note that we do have capital gains consequences. So your super fund, just like you every year, does do a tax return.\n\nSo in order to make the switch in the investments, we're buying and selling in the most cost effective way. But your super fund will account for a capital gains consequence of about $651. Essentially, you don't have to pay any of that. That's all held and dealt with by your super fund. But it just means that after we complete the switch of the investments, there is a CGT consequence for your super, and this super fund will pay that.\n\nWe minimize it as much as possible to about $651, but it's a small cost considering the investment switch saves $1,200 in investment fees. So, overall, you're gonna be saving more money, and the this portfolio has seen a greater past performance. So it can definitely, down the track, provide you with a greater level of return. Okay? That's exact that's exactly right.\n\nThat's exactly right. I have, as we mentioned, done some projecting forward. Given your current circumstances, after all the advice has been put into play, we can see you being able to draw that $650 on a weekly basis down from super to be able to support your income needs. The projection we do is more conservative when we're looking at the retirement because you're in a growth portfolio now. You're wanting to take more risk now to obtain a greater potential return.\n\nHowever, as you get closer to accessing super and in those retirement years, you're not gonna wanna be in the same level of risk. We don't want you to be taking more risk. Yeah. So we do have a much more conservative projected return here, but, essentially, it does show that given your current circumstances, you should be eligible for the for some age pension there as well to offset some of your super. And between the two, we can see you meeting your goal, drawing that $650 per week down, and being able to sustain super as well as some age pension until around about age 90 at the moment, and we wanna make sure that we're reviewing this strategy every year so we can continue to update and hopefully build on that for you.\n\nOkay? Beautiful. Now the other thing which is a little bit more confusing, I'll try to make it as simple as possible, is that transit your time sort of strategy we talked about. So because you're 60, there are ways that you can provide a much greater boost to your super by increasing your contributions in. However, by increasing contributions in the super, it does affect your take home pay.\n\nSo because you're 60, we're able to implement this transition to retirement strategy where we can actually increase your contributions in the super. We used your most recent payslip you provided to project out your salary. We're not planning to start this this financial year, sir, because we are very close to June. We're looking to start this as of the July 1. Essentially, how this will work for you, Graham, is we will keep keep about a 156,000 in your super accumulation account.\n\nWe will move a 160,000 into a secondary it's called a transition retirement pension account, so you'll have two super accounts. One super, one pension. We increased your contributions for the year to 900 sorry. $9,875. So you put more money in the super by way of salary sacrifice, and then we're gonna draw some money out of your super to replenish your income.\n\nOverall, you save on tax because the money going into super is only taxed at 15% as opposed to your marginal tax rate. And then because you're over 60, under this TTR strategy, we're able to access a minimum of 4% of your super and a maximum of 10%. So we're able to replenish your income, and we can draw less money at them we're putting in to bring your income back to your to your net take home pay. With the math that I've got in yeah. Yeah.\n\nYeah. Before, it affects the 15%. Sorry. I'm not quite sure I understand. At the moment, it is.\n\nThe next financial year, it goes up to 32,500. So we have looked to maximize next year's contributions cut because we're not gonna start this or do anything with this PCR until the first of July. We don't wanna do anything right now. We wanna wait till next financial year because the cap increases for you. You weren't able to you weren't able to look at your myGov account and get your catch up contribution.\n\nSo me and my team have gone back, and we've looked at all of your contributions over the past five years in the super. And we've also worked out that you have approximately $59,645 of unused concessional caps from the previous five years. Now what we have done because we are looking to maximize next year's cap, we don't wanna kinda do anything that's gonna negatively affect you. And because your income is quite fluid, you get your co bonuses, which is also included in your income. Your contributions fluctuate depending on your bonuses and your income as well.\n\nSo we've used your gross income. We've averaged it out over the, essentially, the twelve month period to work out what we expect you to earn. We've then looked at the contributions cap and worked out what we expect your contributions to be, and then we've worked it all out based on that, which means that you have approximately, for next financial year, $9,875 in contribution cap space, which we're gonna maximize out to bring your contributions up to the cap. Because you have that extra 59,000 of unused cap space, if we go over the cap in any way, if your income increases in any way, that is absolutely okay. You've got an extra 59,000 of unused cap space that we can utilize, so it's not gonna negatively impact you in any way.\n\nDoes that make sense? Yep. So if you get a bonus yep. Yep. Absolutely.\n\nYep. Yep. Yeah. Absolutely. That's correct.\n\nYeah. And because the tax inside super is so much less, the money you're drawing out of super to replenish your income is completely tax free. So it works out under the strategy. You're actually saving on income tax. We estimate the saving on income tax to be about $2,659.\n\nWhen you're looking at this on page number 28, have a look at it. Run through the numbers. If you have questions, let me know. I know it's a bit hard because you're not seeing the documents there, but I've got all the numbers outlined for you showing you your current salary based on our projected outcome, the salary sacrifice. You've got your current income tax versus what we proposed with the strategy.\n\nWe've got also the net take home pay and how much you put in and draw out and kind of broke it all down for you. But we definitely wanna start this as of the July 1 to make it easier. How I work this strategy, because salary sacrifice reduces your take home pay, I will always make my team open the pension account first. We then work out your first drawdown. Make sure your drawdown happens out of the pension account and then get your salary sacrifice into play.\n\nThat way, the first amount comes down to your bank account, and then you start salary sacrificing so that it doesn't negatively impact you. Does that make sense? Yeah. I just wanna never wanna sort of make it that you're running, you know, with a mortgage and with life and living expenses. We never wanna make it that you're putting more into super than you're drawing out.\n\nBut this strategy actually keeps your take home pay a little bit higher than what it is currently, and we've got a backup. So if if you earn a little bit more, if your you know, you guys do really great and your co bonus is really high for next year, we have that touch of contribution space to allow. This strategy does need to be reviewed every year so that we can replenish and alter and change it, especially then as your income tends to go up on a, you know, a yearly basis, which is a fantastic benefit. And it's just about making sure we're putting as much as we can into super and building on super for your retirement. Okay?\n\nBeautiful. We also do need to make sure that beneficiary nominations are put in place for that transit to your retirement pension accounts, and my team will assist and help you with that. And then we've also got a recommendation in here that you do speak to the solicitor that have a will and power of attorney set up. We have beneficiary nominations in place for your super, but it's also about protecting all of your other assets outside of super, your house, your cars, your savings account, things like that. There's not always there's not always a set process.\n\nAnd if you did pass away and you did not have a will in place, regardless of your circumstances, even though you are married, essentially, there's no guarantee that everything goes directly to your wife. I have seen in certain circumstances where because if you die in probate, people can come forward and make a claim, and it's up to a judge to make a decision. And a judge follows the legislation, but if they see any sort of claim that they think is valid, they can definitely pass money or assets to another party in which you do not want to have that money or the assets. So it is really important to have a will and the power of attorney set up to protect everything else that you've worked hard for and making sure that your family know that you have beneficiaries on file, that you do have a will, and where those things are located in the event that something happens. Okay?\n\nYeah. Beautiful. Look. I wanted to kind of make this as easy and as brief as possible because you're not looking at the document. Don't wanna over confuse it or overcomplicate the advice at all.\n\nI will let you go back to have a really good read of the advice. I've got the best interest you need, the advantages, disadvantages, any risks involved, and any alternative strategies we've considered as well. We've outlined all the math in there for you to have a bit of a look at and all the fees as well so you can sort of see the difference and what the costing looks like. Did you have any questions at the moment? Yeah.\n\nYeah. Absolutely. Absolutely. Yeah. Absolutely.\n\nWhat I'll do if you like, I will I've sent this through to you so it is there. Have a look at the advice document as soon as you can, sometime today or tomorrow. I am away tomorrow, and I'm away Monday, but I can get my team to give you a call maybe next week or the week after if you wanted just to see if you had any questions in relation to that. And they can always book in another time for you just to have a bit of a follow-up so you can ask any questions that you have, and we can kind of just revisit that advice. Essentially, we wanted to do the investment switch now because we need to get those investments changed.\n\nDo the investment switch now? Yeah. It hasn't done gone a great deal. So when we spoke in January, your balance is about $312,007.63. We're up to 318,000 now.\n\nSo it has only increased by 1.61%. It's not a great not a great increase. Yeah. So the return does not include your contributions. That is only factoring in the income plus the growth in the portfolio.\n\nThink of your contributions as essentially capital. It's principal. It is put into the portfolio, and it does help to make it grow, but we also just wanna make sure that, yeah, the returns they're looking at are the income that is generated from your principal or from your contributions and from your portfolio and the growth. And it is it is a much smaller amount, and a lot of that is because of a, Van Alon hasn't been performing very well for you and also what's happening globally at the moment. But it's good to take this opportunity to use then along while it is down to offset any additional gains.\n\nWe'll rebalance your portfolio and make some changes to it, and then sort of monitor it moving forward and make sure it is sort of growing a bit more for you. Okay? All good. I will let you go. I don't wanna overcomplicate it too much today for you, but, I've emailed it through to you.\n\nA really good look at the document. If you're happy to take the recommendations on board and don't have any questions, let me just sign and return it back. If you do have any additional questions, let me know, and I'll make sure my team follow-up probably next week or the week after just to sort of book in a time to see if you do have anything that's said that you wanna discuss or any any questions you have in relation to that advice document. Okay? That's okay.\n\nThank you for calling me back. I appreciate your time today, Graham. Thanks. See you later.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.009690925478935242},{"text":"Oh, no.","start":7.6,"end":9.04,"sentiment":"neutral","sentiment_score":0.008541771210730076},{"text":"That's fine.","start":9.04,"end":9.599999,"sentiment":"neutral","sentiment_score":0.11570839211344719},{"text":"Absolutely.","start":9.599999,"end":10.099999,"sentiment":"positive","sentiment_score":0.3975226879119873},{"text":"We can get that done.","start":10.48,"end":11.44,"sentiment":"neutral","sentiment_score":0.3003773272037506}],"sentiment":"neutral","sentiment_score":0.19614550691436639,"num_words":11,"start":0.56,"end":11.44},{"sentences":[{"text":"That's one thing less to worry about.","start":11.44,"end":13.219999,"sentiment":"positive","sentiment_score":0.37866079807281494},{"text":"Yep.","start":18.724998,"end":19.224998,"sentiment":"neutral","sentiment_score":0.3095875084400177},{"text":"Oh, beautiful.","start":20.164999,"end":20.904999,"sentiment":"positive","sentiment_score":0.6572665870189667},{"text":"Fantastic.","start":21.045,"end":21.545,"sentiment":"positive","sentiment_score":0.7941915392875671},{"text":"Thanks, Sam.","start":21.765,"end":22.585,"sentiment":"positive","sentiment_score":0.7146114706993103}],"sentiment":"positive","sentiment_score":0.49985851920568025,"num_words":13,"start":11.44,"end":22.585},{"sentences":[{"text":"Yep.","start":25.925,"end":26.244999,"sentiment":"neutral","sentiment_score":0.19240468740463257},{"text":"I've got everything here ready to go.","start":26.244999,"end":28.185,"sentiment":"positive","sentiment_score":0.40294863070760456},{"text":"Hi, miss Zena.","start":36.61,"end":37.41,"sentiment":"neutral","sentiment_score":0.1365042825539907},{"text":"How are you this morning?","start":37.41,"end":38.63,"sentiment":"neutral","sentiment_score":0.21150161027908326},{"text":"That's good.","start":40.690002,"end":41.41,"sentiment":"positive","sentiment_score":0.5425648987293243}],"sentiment":"neutral","sentiment_score":0.3091775443818834,"num_words":18,"start":25.925,"end":41.41},{"sentences":[{"text":"I just had you booked in this morning to run through your updated statement of advice.","start":41.41,"end":44.85,"sentiment":"neutral","sentiment_score":0.30356387607753277},{"text":"Is now still a good time there for you?","start":44.85,"end":46.665,"sentiment":"neutral","sentiment_score":0.24522881540987226},{"text":"Yeah.","start":50.265,"end":50.505,"sentiment":"neutral","sentiment_score":0.05073799192905426},{"text":"That's okay.","start":50.505,"end":51.065002,"sentiment":"neutral","sentiment_score":0.044066326692700386},{"text":"So you don't have access to your emails at the moment.","start":51.065002,"end":53.305,"sentiment":"neutral","sentiment_score":-0.043991606682538986}],"sentiment":"neutral","sentiment_score":0.17228318789066413,"num_words":39,"start":41.41,"end":53.305},{"sentences":[{"text":"Is that right?","start":53.305,"end":54.285,"sentiment":"neutral","sentiment_score":-0.0015703896060585976},{"text":"Yeah.","start":56.985,"end":57.305,"sentiment":"neutral","sentiment_score":0.028772009536623955},{"text":"That's okay.","start":57.305,"end":57.945,"sentiment":"neutral","sentiment_score":0.0483411755412817},{"text":"I normally just send the document through to you via email so you can kind of have a look at what I'm going through with you.","start":57.945,"end":63.83,"sentiment":"neutral","sentiment_score":0.0609071681705805},{"text":"But if it's not preferable for you to see your emails, like, if you have to put me on speakerphone, you're not anywhere secure, then I can just run through the advice for you if you like, give you a rundown, and you're welcome to have a bit of a look at it later.","start":64.61,"end":77.80499,"sentiment":"neutral","sentiment_score":0.07096805471788954}],"sentiment":"neutral","sentiment_score":0.06437912231397837,"num_words":86,"start":53.305,"end":77.80499},{"sentences":[{"text":"Yeah.","start":79.865,"end":80.265,"sentiment":"neutral","sentiment_score":0.2866894006729126},{"text":"Beautiful.","start":80.265,"end":80.744995,"sentiment":"positive","sentiment_score":0.4394907057285309},{"text":"Well, I'm just gonna take this one through to you.","start":80.744995,"end":82.66499,"sentiment":"neutral","sentiment_score":0.18102534115314484},{"text":"So here's in your email there for when you are able to look at it.","start":82.66499,"end":86.685,"sentiment":"neutral","sentiment_score":0.15519885271787642},{"text":"What I'll do is I'll try I'll try to go through it in as brief as possible so that not to overcomplicate it.","start":87.30499,"end":93.9,"sentiment":"neutral","sentiment_score":0.14606328745898994}],"sentiment":"neutral","sentiment_score":0.16447743840515613,"num_words":50,"start":79.865,"end":93.9},{"sentences":[{"text":"And if you find you do have questions, please let me know.","start":94.84,"end":98.2,"sentiment":"neutral","sentiment_score":0.1246772160132726},{"text":"Okay?","start":98.2,"end":98.7,"sentiment":"neutral","sentiment_score":0.10537190735340118},{"text":"Excellent.","start":100.76,"end":101.26,"sentiment":"positive","sentiment_score":0.46305763721466064},{"text":"Excellent.","start":101.479996,"end":101.979996,"sentiment":"positive","sentiment_score":0.4500856399536133},{"text":"Oh, good.","start":102.675,"end":103.235,"sentiment":"neutral","sentiment_score":0.17828505486249924}],"sentiment":"neutral","sentiment_score":0.1688948168474085,"num_words":17,"start":94.84,"end":103.235},{"sentences":[{"text":"So, Graham, this one here is essentially looking at your super.","start":103.235,"end":106.455,"sentiment":"neutral","sentiment_score":0.07023270902308551},{"text":"When you do look at the document there, you will know that it has been prepared for yourself with your lovely name on the very top there and my authorized representative number on the bottom of the document.","start":106.915,"end":115.075,"sentiment":"neutral","sentiment_score":0.1802972978667209},{"text":"So I'm a registered financial adviser with ASIC, and my registration number is 1304394.","start":115.075,"end":121.55,"sentiment":"neutral","sentiment_score":0.08437373835061278},{"text":"Okay?","start":121.61,"end":122.11,"sentiment":"neutral","sentiment_score":0.06285370886325836},{"text":"As you ask all into the document, you will note that we have scoped in certain areas for superannuation.","start":124.170006,"end":128.75,"sentiment":"neutral","sentiment_score":0.09771040474113665}],"sentiment":"neutral","sentiment_score":0.12921013077159962,"num_words":83,"start":103.235,"end":128.75},{"sentences":[{"text":"You're looking forward to hopefully retiring at around the age six seven to 70 depending on how you're feeling and how your health is and how everything goes down the track there.","start":129.21,"end":138.435,"sentiment":"neutral","sentiment_score":0.1240935034584254},{"text":"You were hoping to, at the time, draw an income in retirement of about $650 per week.","start":138.895,"end":144.93,"sentiment":"neutral","sentiment_score":0.13795587551944397},{"text":"That could change down the track, and that's absolutely fine.","start":145.40999,"end":147.96999,"sentiment":"neutral","sentiment_score":0.29750029742717743},{"text":"This is what we're working on at the moment for your goal.","start":147.96999,"end":150.68999,"sentiment":"neutral","sentiment_score":0.2812529355287552},{"text":"Okay?","start":150.68999,"end":151.18999,"sentiment":"neutral","sentiment_score":0.1053641214966774}],"sentiment":"neutral","sentiment_score":0.1773839488418566,"num_words":72,"start":129.21,"end":151.18999},{"sentences":[{"text":"We've got the new state planning side of things as well for you.","start":153.17,"end":156.04999,"sentiment":"neutral","sentiment_score":0.09985122313866249},{"text":"So you don't have a will or power of attorney, and because we are looking at the t t the transfer time strategies as well, we do need to make sure a beneficiary is also applied to the account.","start":156.04999,"end":166.315,"sentiment":"neutral","sentiment_score":0.035834821132131114},{"text":"I've looked at projecting forward to retirement.","start":167.975,"end":170.55501,"sentiment":"neutral","sentiment_score":0.08349649075950895},{"text":"So because you are getting closer retirement years, you are hoping to retire at around at the age 67 to 70 depending on how things go down the track there.","start":170.615,"end":179.0,"sentiment":"neutral","sentiment_score":0.06653273093203703},{"text":"I have done a little bit of projecting forward looking at the possibility of Social Security retirement planning to a limited scope just to give you an idea of longevity based on your current goals.","start":179.06,"end":190.645,"sentiment":"neutral","sentiment_score":0.11362096018024853}],"sentiment":"neutral","sentiment_score":0.07461947495598466,"num_words":124,"start":153.17,"end":190.645},{"sentences":[{"text":"Okay?","start":190.94499,"end":191.44499,"sentiment":"neutral","sentiment_score":0.03618185967206955},{"text":"In areas that we're not looking at any additional advice today, we're not looking at areas of insurance.","start":193.185,"end":198.065,"sentiment":"neutral","sentiment_score":-0.08814451429578993},{"text":"If you don't have any insurance, if you are happy not to have any, super is your main focus at the moment working towards your retirement goals.","start":198.065,"end":204.62,"sentiment":"neutral","sentiment_score":-0.06832306390559231},{"text":"And, also, you wanted to pay your mortgage down as quickly as possible, but we're not providing any additional advice on that currently.","start":204.92,"end":211.58,"sentiment":"neutral","sentiment_score":-0.0956222414970398},{"text":"If you did want additional advice down the track or wanted to speak to a mortgage broker, please let us know.","start":211.8,"end":216.81499,"sentiment":"neutral","sentiment_score":-0.028064620902850515}],"sentiment":"neutral","sentiment_score":-0.06870900796105464,"num_words":90,"start":190.94499,"end":216.81499},{"sentences":[{"text":"We can certainly assist you in that area.","start":216.81499,"end":218.83499,"sentiment":"neutral","sentiment_score":0.1698832307010889},{"text":"Okay?","start":219.055,"end":219.555,"sentiment":"neutral","sentiment_score":0.04067790508270264},{"text":"You got that sorted.","start":221.775,"end":222.89499,"sentiment":"neutral","sentiment_score":0.20625292882323265},{"text":"Fantastic.","start":222.89499,"end":223.39499,"sentiment":"positive","sentiment_score":0.6234311461448669},{"text":"Excellent.","start":223.855,"end":224.355,"sentiment":"neutral","sentiment_score":0.18427510559558868}],"sentiment":"neutral","sentiment_score":0.20216411451498667,"num_words":15,"start":216.81499,"end":224.355},{"sentences":[{"text":"In the device document, we do have all your assets and liabilities noted as per our last conversation.","start":225.215,"end":230.64,"sentiment":"neutral","sentiment_score":0.039075968166192375},{"text":"If there are any changes that you wanted to have updated when you look at the document, please let us know.","start":230.64,"end":235.28,"sentiment":"neutral","sentiment_score":0.02335561882881891},{"text":"Okay?","start":235.28,"end":235.78,"sentiment":"neutral","sentiment_score":0.03318343311548233},{"text":"To kind of run you through the recommendations, I have gone back and had a really good look at your super.","start":237.2,"end":242.18,"sentiment":"neutral","sentiment_score":0.3080141824625787},{"text":"Your super has well, has been growing quite steadily this year.","start":242.505,"end":245.625,"sentiment":"positive","sentiment_score":0.5278501510620117}],"sentiment":"neutral","sentiment_score":0.187523171512617,"num_words":72,"start":225.215,"end":245.625},{"sentences":[{"text":"We have seen quite a bit of volatility in the market, and that means that there has been some underperforming investments that we wanted to look at removing for you.","start":245.625,"end":253.165,"sentiment":"neutral","sentiment_score":-0.3224569251139959},{"text":"The Benel Long Australian Equities is a good example of that one.","start":253.465,"end":256.585,"sentiment":"neutral","sentiment_score":-0.15677870313326517},{"text":"That investment hasn't seen exactly what it was supposed to see.","start":256.585,"end":260.05002,"sentiment":"negative","sentiment_score":-0.37383654713630676},{"text":"That investment has been underperforming, so we are looking to remove that investment.","start":260.27002,"end":264.29,"sentiment":"negative","sentiment_score":-0.49440237879753113},{"text":"We're also looking to make some changes to your portfolio.","start":264.59,"end":267.09,"sentiment":"neutral","sentiment_score":-0.09987145364284515}],"sentiment":"neutral","sentiment_score":-0.3038578903988788,"num_words":76,"start":245.625,"end":267.09},{"sentences":[{"text":"So you'll see when you look at the document, there are gonna be some buyers and sales.","start":267.31,"end":271.55002,"sentiment":"neutral","sentiment_score":0.005366190062726245},{"text":"Essentially, the portfolio you're in currently has seen when we look at the five year rolling average about 6.06% return average over the last five years there.","start":271.55002,"end":282.785,"sentiment":"neutral","sentiment_score":0.01268476316774333},{"text":"What we wanna do is move you out of that portfolio and into something a little bit better that has shown a greater past return, which hopefully is down the track and provides you with a greater level of return.","start":282.785,"end":292.72998,"sentiment":"neutral","sentiment_score":0.1316769652068615},{"text":"One of the big changes that we are making is removing that ban along Australian equities and putting you into the Australian 200.","start":293.19,"end":299.66998,"sentiment":"neutral","sentiment_score":0.12087034336898637},{"text":"So this is the BetaShares a 200 investment.","start":299.66998,"end":302.81,"sentiment":"neutral","sentiment_score":0.3307659439742565}],"sentiment":"neutral","sentiment_score":0.09675598168826621,"num_words":115,"start":267.31,"end":302.81},{"sentences":[{"text":"It actually gives you more diversification, and that investment is actually cheaper than BetterLoan as a whole.","start":303.52502,"end":309.46503,"sentiment":"positive","sentiment_score":0.4631033171625698},{"text":"And when you look at the difference where by making the switch of these investments for you, we can actually save you about $1,295 on a yearly basis on investment fees.","start":309.605,"end":320.03,"sentiment":"positive","sentiment_score":0.3757421287798112},{"text":"So it's gonna be cheaper for you.","start":320.09,"end":321.84998,"sentiment":"positive","sentiment_score":0.42022168210574556},{"text":"Does that make sense?","start":321.84998,"end":322.90997,"sentiment":"neutral","sentiment_score":0.1862969733774662},{"text":"The return?","start":332.105,"end":332.765,"sentiment":"neutral","sentiment_score":0.026274027302861214}],"sentiment":"positive","sentiment_score":0.38131229683268264,"num_words":61,"start":303.52502,"end":332.765},{"sentences":[{"text":"So the return on the newer portfolio has averaged 11.13% over the past five years.","start":332.825,"end":338.285,"sentiment":"neutral","sentiment_score":0.1468425805370013},{"text":"Yeah.","start":340.425,"end":340.905,"sentiment":"neutral","sentiment_score":0.24955737590789795},{"text":"So this portfolio is cheaper.","start":340.905,"end":342.765,"sentiment":"positive","sentiment_score":0.3734547793865204},{"text":"It has shown a greater past performance.","start":342.825,"end":345.405,"sentiment":"positive","sentiment_score":0.35509564142142025},{"text":"Admittedly, it's important to note that the projections and past performance are not guaranteed in any way, shape, or form.","start":346.01,"end":351.77,"sentiment":"neutral","sentiment_score":-0.10512360110878945}],"sentiment":"neutral","sentiment_score":0.0979722385139515,"num_words":48,"start":332.825,"end":351.77},{"sentences":[{"text":"This is what the portfolios have shown in the past, which shows you essentially what they can make in the future if they saw the same market conditions.","start":351.77,"end":359.47,"sentiment":"neutral","sentiment_score":0.06597979286951679},{"text":"But we do know that markets will go up, markets will go down.","start":359.88498,"end":362.925,"sentiment":"neutral","sentiment_score":-0.10496276416457616},{"text":"This year alone, we have seen some very heavy volatility with what's been happening with The US and the Iran war.","start":362.925,"end":369.005,"sentiment":"neutral","sentiment_score":-0.2725586781189555},{"text":"So we know that markets will go up, markets will go down.","start":369.005,"end":371.485,"sentiment":"neutral","sentiment_score":-0.18088049193223318},{"text":"You're not guaranteed 11% every year over the next five to ten years.","start":371.485,"end":375.51,"sentiment":"neutral","sentiment_score":-0.15515959377472216}],"sentiment":"neutral","sentiment_score":-0.10837304133964681,"num_words":87,"start":351.77,"end":375.51},{"sentences":[{"text":"However, with the production moving forward, the saving fees, it does essentially show that you could end up in a much greater position if if this portfolio was able to make that 11% return every year moving forward.","start":375.51,"end":387.93,"sentiment":"positive","sentiment_score":0.41469224248277514},{"text":"Okay?","start":387.99,"end":388.49,"sentiment":"positive","sentiment_score":0.4417049288749695},{"text":"Perfect.","start":390.665,"end":391.165,"sentiment":"positive","sentiment_score":0.7026345729827881},{"text":"Now it's also important to note that we do have capital gains consequences.","start":391.385,"end":394.685,"sentiment":"neutral","sentiment_score":0.09712517433441602},{"text":"So your super fund, just like you every year, does do a tax return.","start":394.825,"end":398.605,"sentiment":"neutral","sentiment_score":0.25060719145195826}],"sentiment":"neutral","sentiment_score":0.32348914422206027,"num_words":67,"start":375.51,"end":398.605},{"sentences":[{"text":"So in order to make the switch in the investments, we're buying and selling in the most cost effective way.","start":398.825,"end":403.885,"sentiment":"neutral","sentiment_score":0.24238564521074296},{"text":"But your super fund will account for a capital gains consequence of about $651.","start":404.13,"end":410.31003,"sentiment":"neutral","sentiment_score":0.23523755903754914},{"text":"Essentially, you don't have to pay any of that.","start":410.77002,"end":412.45,"sentiment":"neutral","sentiment_score":0.14556852479775748},{"text":"That's all held and dealt with by your super fund.","start":412.45,"end":415.03003,"sentiment":"neutral","sentiment_score":0.18479123711585999},{"text":"But it just means that after we complete the switch of the investments, there is a CGT consequence for your super, and this super fund will pay that.","start":415.25,"end":422.795,"sentiment":"neutral","sentiment_score":0.24729532269494875}],"sentiment":"neutral","sentiment_score":0.22497946741404357,"num_words":81,"start":398.825,"end":422.795},{"sentences":[{"text":"We minimize it as much as possible to about $651, but it's a small cost considering the investment switch saves $1,200 in investment fees.","start":422.935,"end":433.89502,"sentiment":"neutral","sentiment_score":0.3319481735428174},{"text":"So, overall, you're gonna be saving more money, and the this portfolio has seen a greater past performance.","start":433.89502,"end":439.75,"sentiment":"positive","sentiment_score":0.7171525524722205},{"text":"So it can definitely, down the track, provide you with a greater level of return.","start":440.05,"end":443.91,"sentiment":"positive","sentiment_score":0.6527231454849243},{"text":"Okay?","start":444.05,"end":444.55,"sentiment":"neutral","sentiment_score":0.28409260511398315},{"text":"That's exact that's exactly right.","start":449.345,"end":451.425,"sentiment":"positive","sentiment_score":0.4001488149166107}],"sentiment":"positive","sentiment_score":0.5230346979602934,"num_words":63,"start":422.935,"end":451.425},{"sentences":[{"text":"That's exactly right.","start":451.425,"end":452.725,"sentiment":"positive","sentiment_score":0.48802324136098224},{"text":"I have, as we mentioned, done some projecting forward.","start":453.185,"end":455.905,"sentiment":"neutral","sentiment_score":0.21941445571266943},{"text":"Given your current circumstances, after all the advice has been put into play, we can see you being able to draw that $650 on a weekly basis down from super to be able to support your income needs.","start":455.905,"end":468.50998,"sentiment":"positive","sentiment_score":0.4195296891817921},{"text":"The projection we do is more conservative when we're looking at the retirement because you're in a growth portfolio now.","start":469.13,"end":475.21,"sentiment":"neutral","sentiment_score":0.0424566444940865},{"text":"You're wanting to take more risk now to obtain a greater potential return.","start":475.21,"end":479.375,"sentiment":"neutral","sentiment_score":-0.050823910878254816}],"sentiment":"neutral","sentiment_score":0.235775301962283,"num_words":83,"start":451.425,"end":479.375},{"sentences":[{"text":"However, as you get closer to accessing super and in those retirement years, you're not gonna wanna be in the same level of risk.","start":479.755,"end":485.995,"sentiment":"neutral","sentiment_score":-0.3183549114813407},{"text":"We don't want you to be taking more risk.","start":485.995,"end":488.89502,"sentiment":"negative","sentiment_score":-0.36013782521088916},{"text":"Yeah.","start":489.69998,"end":490.02,"sentiment":"neutral","sentiment_score":0.08810542523860931},{"text":"So we do have a much more conservative projected return here, but, essentially, it does show that given your current circumstances, you should be eligible for the for some age pension there as well to offset some of your super.","start":490.02,"end":502.52,"sentiment":"positive","sentiment_score":0.37812814526259897},{"text":"And between the two, we can see you meeting your goal, drawing that $650 per week down, and being able to sustain super as well as some age pension until around about age 90 at the moment, and we wanna make sure that we're reviewing this strategy every year so we can continue to update and hopefully build on that for you.","start":502.655,"end":522.64996,"sentiment":"positive","sentiment_score":0.46136354943436964}],"sentiment":"neutral","sentiment_score":0.24217656616340666,"num_words":136,"start":479.755,"end":522.64996},{"sentences":[{"text":"Okay?","start":522.64996,"end":523.14996,"sentiment":"neutral","sentiment_score":0.10027270764112473},{"text":"Beautiful.","start":524.33,"end":524.83,"sentiment":"positive","sentiment_score":0.5269678831100464},{"text":"Now the other thing which is a little bit more confusing, I'll try to make it as simple as possible, is that transit your time sort of strategy we talked about.","start":525.45,"end":532.97,"sentiment":"neutral","sentiment_score":0.004448234313918698},{"text":"So because you're 60, there are ways that you can provide a much greater boost to your super by increasing your contributions in.","start":532.97,"end":540.815,"sentiment":"neutral","sentiment_score":0.2300523824017981},{"text":"However, by increasing contributions in the super, it does affect your take home pay.","start":541.035,"end":546.735,"sentiment":"neutral","sentiment_score":-0.015959526811327254}],"sentiment":"neutral","sentiment_score":0.08332724677664893,"num_words":70,"start":522.64996,"end":546.735},{"sentences":[{"text":"So because you're 60, we're able to implement this transition to retirement strategy where we can actually increase your contributions in the super.","start":547.11,"end":555.21,"sentiment":"neutral","sentiment_score":0.2458224426145139},{"text":"We used your most recent payslip you provided to project out your salary.","start":555.35,"end":559.21,"sentiment":"neutral","sentiment_score":0.16157621374497047},{"text":"We're not planning to start this this financial year, sir, because we are very close to June.","start":559.52496,"end":563.925,"sentiment":"neutral","sentiment_score":-0.22092328264432795},{"text":"We're looking to start this as of the July 1.","start":563.925,"end":566.745,"sentiment":"neutral","sentiment_score":-0.040562084317207335},{"text":"Essentially, how this will work for you, Graham, is we will keep keep about a 156,000 in your super accumulation account.","start":567.285,"end":576.93,"sentiment":"neutral","sentiment_score":0.1538825620497976}],"sentiment":"neutral","sentiment_score":0.08124552516355402,"num_words":84,"start":547.11,"end":576.93},{"sentences":[{"text":"We will move a 160,000 into a secondary it's called a transition retirement pension account, so you'll have two super accounts.","start":577.23,"end":585.31,"sentiment":"neutral","sentiment_score":0.10932684778457596},{"text":"One super, one pension.","start":585.31,"end":586.85,"sentiment":"neutral","sentiment_score":0.026127676013857126},{"text":"We increased your contributions for the year to 900 sorry.","start":587.615,"end":592.175,"sentiment":"neutral","sentiment_score":0.22540878057479857},{"text":"$9,875.","start":592.175,"end":594.415,"sentiment":"neutral","sentiment_score":0.20019683241844177},{"text":"So you put more money in the super by way of salary sacrifice, and then we're gonna draw some money out of your super to replenish your income.","start":594.415,"end":602.035,"sentiment":"positive","sentiment_score":0.3918235589350973}],"sentiment":"neutral","sentiment_score":0.24727685618563555,"num_words":64,"start":577.23,"end":602.035},{"sentences":[{"text":"Overall, you save on tax because the money going into super is only taxed at 15% as opposed to your marginal tax rate.","start":603.36005,"end":612.5,"sentiment":"positive","sentiment_score":0.5684257771657861},{"text":"And then because you're over 60, under this TTR strategy, we're able to access a minimum of 4% of your super and a maximum of 10%.","start":612.56,"end":621.535,"sentiment":"positive","sentiment_score":0.5658638775348663},{"text":"So we're able to replenish your income, and we can draw less money at them we're putting in to bring your income back to your to your net take home pay.","start":621.535,"end":630.995,"sentiment":"positive","sentiment_score":0.6742817624922721},{"text":"With the math that I've got in yeah.","start":631.5,"end":634.64,"sentiment":"neutral","sentiment_score":-0.014994228025898337},{"text":"Yeah.","start":636.62,"end":637.12,"sentiment":"neutral","sentiment_score":-0.028617266565561295}],"sentiment":"positive","sentiment_score":0.5453979464854752,"num_words":89,"start":603.36005,"end":637.12},{"sentences":[{"text":"Yeah.","start":639.34,"end":639.84,"sentiment":"neutral","sentiment_score":-0.03538260608911514},{"text":"Before, it affects the 15%.","start":643.635,"end":645.395,"sentiment":"neutral","sentiment_score":-0.08669164776802063},{"text":"Sorry.","start":645.395,"end":645.635,"sentiment":"neutral","sentiment_score":-0.10139496624469756},{"text":"I'm not quite sure I understand.","start":645.635,"end":647.015,"sentiment":"neutral","sentiment_score":-0.16541080176830292},{"text":"At the moment, it is.","start":658.75,"end":659.79,"sentiment":"neutral","sentiment_score":-0.038015902414917944}],"sentiment":"neutral","sentiment_score":-0.09737667410324018,"num_words":18,"start":639.34,"end":659.79},{"sentences":[{"text":"The next financial year, it goes up to 32,500.","start":659.79,"end":663.41,"sentiment":"neutral","sentiment_score":-0.0176328436161081},{"text":"So we have looked to maximize next year's contributions cut because we're not gonna start this or do anything with this PCR until the first of July.","start":664.11,"end":671.805,"sentiment":"neutral","sentiment_score":-0.10055946677716242},{"text":"We don't wanna do anything right now.","start":671.805,"end":673.085,"sentiment":"negative","sentiment_score":-0.39661215458597454},{"text":"We wanna wait till next financial year because the cap increases for you.","start":673.085,"end":676.785,"sentiment":"neutral","sentiment_score":-0.1739347233222081},{"text":"You weren't able to you weren't able to look at your myGov account and get your catch up contribution.","start":677.40497,"end":681.89996,"sentiment":"neutral","sentiment_score":-0.19553201253476896}],"sentiment":"neutral","sentiment_score":-0.15501794558639329,"num_words":75,"start":659.79,"end":681.89996},{"sentences":[{"text":"So me and my team have gone back, and we've looked at all of your contributions over the past five years in the super.","start":681.89996,"end":688.16,"sentiment":"neutral","sentiment_score":-0.06240306003019214},{"text":"And we've also worked out that you have approximately $59,645 of unused concessional caps from the previous five years.","start":688.3,"end":697.405,"sentiment":"neutral","sentiment_score":-0.09858713481930624},{"text":"Now what we have done because we are looking to maximize next year's cap, we don't wanna kinda do anything that's gonna negatively affect you.","start":697.78503,"end":705.22504,"sentiment":"neutral","sentiment_score":-0.27605604454874993},{"text":"And because your income is quite fluid, you get your co bonuses, which is also included in your income.","start":705.22504,"end":711.89996,"sentiment":"neutral","sentiment_score":0.2138498229415793},{"text":"Your contributions fluctuate depending on your bonuses and your income as well.","start":711.89996,"end":715.74,"sentiment":"neutral","sentiment_score":0.11024920269846916}],"sentiment":"neutral","sentiment_score":-0.04935447522968223,"num_words":99,"start":681.89996,"end":715.74},{"sentences":[{"text":"So we've used your gross income.","start":715.74,"end":717.75995,"sentiment":"neutral","sentiment_score":0.14073704307277998},{"text":"We've averaged it out over the, essentially, the twelve month period to work out what we expect you to earn.","start":718.38,"end":724.275,"sentiment":"neutral","sentiment_score":0.16046111322939396},{"text":"We've then looked at the contributions cap and worked out what we expect your contributions to be, and then we've worked it all out based on that, which means that you have approximately, for next financial year, $9,875 in contribution cap space, which we're gonna maximize out to bring your contributions up to the cap.","start":724.415,"end":745.155,"sentiment":"neutral","sentiment_score":0.2720731561834162},{"text":"Because you have that extra 59,000 of unused cap space, if we go over the cap in any way, if your income increases in any way, that is absolutely okay.","start":745.79504,"end":755.55505,"sentiment":"positive","sentiment_score":0.40750585719943044},{"text":"You've got an extra 59,000 of unused cap space that we can utilize, so it's not gonna negatively impact you in any way.","start":755.55505,"end":763.44995,"sentiment":"positive","sentiment_score":0.4162016536878503}],"sentiment":"neutral","sentiment_score":0.3045931482381785,"num_words":134,"start":715.74,"end":763.44995},{"sentences":[{"text":"Does that make sense?","start":763.44995,"end":764.50995,"sentiment":"neutral","sentiment_score":0.21073075756430626},{"text":"Yep.","start":766.25,"end":766.56995,"sentiment":"neutral","sentiment_score":0.2730794847011566},{"text":"So if you get a bonus yep.","start":766.56995,"end":769.38995,"sentiment":"positive","sentiment_score":0.3459429442882538},{"text":"Yep.","start":772.085,"end":772.585,"sentiment":"neutral","sentiment_score":0.25898516178131104},{"text":"Absolutely.","start":772.965,"end":773.465,"sentiment":"positive","sentiment_score":0.396418035030365}],"sentiment":"neutral","sentiment_score":0.29950045155627386,"num_words":14,"start":763.44995,"end":773.465},{"sentences":[{"text":"Yep.","start":777.84503,"end":778.34503,"sentiment":"neutral","sentiment_score":0.18431119620800016},{"text":"Yep.","start":779.205,"end":779.705,"sentiment":"positive","sentiment_score":0.37265706062316895},{"text":"Yeah.","start":782.16504,"end":782.645,"sentiment":"neutral","sentiment_score":0.2559524476528168},{"text":"Absolutely.","start":782.645,"end":783.145,"sentiment":"neutral","sentiment_score":0.3128371238708496},{"text":"That's correct.","start":787.11,"end":787.99,"sentiment":"neutral","sentiment_score":0.3095112144947052}],"sentiment":"neutral","sentiment_score":0.2907967095573743,"num_words":6,"start":777.84503,"end":787.99},{"sentences":[{"text":"Yeah.","start":787.99,"end":788.39,"sentiment":"positive","sentiment_score":0.3371375501155853},{"text":"And because the tax inside super is so much less, the money you're drawing out of super to replenish your income is completely tax free.","start":788.39,"end":796.01,"sentiment":"positive","sentiment_score":0.37619821190834046},{"text":"So it works out under the strategy.","start":796.23,"end":797.99,"sentiment":"positive","sentiment_score":0.41151911446026396},{"text":"You're actually saving on income tax.","start":797.99,"end":799.995,"sentiment":"positive","sentiment_score":0.4609645853439967},{"text":"We estimate the saving on income tax to be about $2,659.","start":799.995,"end":804.655,"sentiment":"positive","sentiment_score":0.35948893427848816}],"sentiment":"positive","sentiment_score":0.3868578487634659,"num_words":50,"start":787.99,"end":804.655},{"sentences":[{"text":"When you're looking at this on page number 28, have a look at it.","start":805.515,"end":809.195,"sentiment":"neutral","sentiment_score":0.14941932260990143},{"text":"Run through the numbers.","start":809.195,"end":810.155,"sentiment":"neutral","sentiment_score":0.1254581417888403},{"text":"If you have questions, let me know.","start":810.155,"end":811.515,"sentiment":"neutral","sentiment_score":0.0811612739094666},{"text":"I know it's a bit hard because you're not seeing the documents there, but I've got all the numbers outlined for you showing you your current salary based on our projected outcome, the salary sacrifice.","start":811.515,"end":822.19,"sentiment":"neutral","sentiment_score":0.05109846078391586},{"text":"You've got your current income tax versus what we proposed with the strategy.","start":822.32996,"end":826.02997,"sentiment":"neutral","sentiment_score":0.09648557236561409}],"sentiment":"neutral","sentiment_score":0.08499439135959296,"num_words":73,"start":805.515,"end":826.02997},{"sentences":[{"text":"We've got also the net take home pay and how much you put in and draw out and kind of broke it all down for you.","start":826.56995,"end":832.095,"sentiment":"neutral","sentiment_score":0.18512935649890166},{"text":"But we definitely wanna start this as of the July 1 to make it easier.","start":832.475,"end":836.175,"sentiment":"positive","sentiment_score":0.43480663498242694},{"text":"How I work this strategy, because salary sacrifice reduces your take home pay, I will always make my team open the pension account first.","start":836.475,"end":844.14,"sentiment":"neutral","sentiment_score":0.2772247940301895},{"text":"We then work out your first drawdown.","start":844.36005,"end":846.94,"sentiment":"neutral","sentiment_score":0.18942481917994364},{"text":"Make sure your drawdown happens out of the pension account and then get your salary sacrifice into play.","start":847.24005,"end":852.86005,"sentiment":"neutral","sentiment_score":0.15407305997278956}],"sentiment":"neutral","sentiment_score":0.24542385182446905,"num_words":90,"start":826.56995,"end":852.86005},{"sentences":[{"text":"That way, the first amount comes down to your bank account, and then you start salary sacrificing so that it doesn't negatively impact you.","start":853.08,"end":861.455,"sentiment":"neutral","sentiment_score":0.157927461899817},{"text":"Does that make sense?","start":861.455,"end":862.515,"sentiment":"neutral","sentiment_score":0.12763323076069355},{"text":"Yeah.","start":864.09503,"end":864.415,"sentiment":"neutral","sentiment_score":0.22853517532348633},{"text":"I just wanna never wanna sort of make it that you're running, you know, with a mortgage and with life and living expenses.","start":864.415,"end":869.295,"sentiment":"neutral","sentiment_score":0.1621856715368188},{"text":"We never wanna make it that you're putting more into super than you're drawing out.","start":869.295,"end":873.21,"sentiment":"neutral","sentiment_score":0.166754808028539}],"sentiment":"neutral","sentiment_score":0.16061074253338486,"num_words":67,"start":853.08,"end":873.21},{"sentences":[{"text":"But this strategy actually keeps your take home pay a little bit higher than what it is currently, and we've got a backup.","start":873.61005,"end":879.69,"sentiment":"positive","sentiment_score":0.4074651767378268},{"text":"So if if you earn a little bit more, if your you know, you guys do really great and your co bonus is really high for next year, we have that touch of contribution space to allow.","start":879.69,"end":888.83,"sentiment":"positive","sentiment_score":0.48254848654205734},{"text":"This strategy does need to be reviewed every year so that we can replenish and alter and change it, especially then as your income tends to go up on a, you know, a yearly basis, which is a fantastic benefit.","start":889.45496,"end":900.995,"sentiment":"positive","sentiment_score":0.37659909315407275},{"text":"And it's just about making sure we're putting as much as we can into super and building on super for your retirement.","start":901.94,"end":907.72003,"sentiment":"positive","sentiment_score":0.3757373189384287},{"text":"Okay?","start":907.94,"end":908.44,"sentiment":"neutral","sentiment_score":0.14875498414039612}],"sentiment":"positive","sentiment_score":0.4122352259672754,"num_words":123,"start":873.61005,"end":908.44},{"sentences":[{"text":"Beautiful.","start":910.34,"end":910.84,"sentiment":"positive","sentiment_score":0.557856023311615},{"text":"We also do need to make sure that beneficiary nominations are put in place for that transit to your retirement pension accounts, and my team will assist and help you with that.","start":911.78,"end":919.615,"sentiment":"neutral","sentiment_score":0.2805708791129291},{"text":"And then we've also got a recommendation in here that you do speak to the solicitor that have a will and power of attorney set up.","start":920.315,"end":926.575,"sentiment":"neutral","sentiment_score":0.19014657890567413},{"text":"We have beneficiary nominations in place for your super, but it's also about protecting all of your other assets outside of super, your house, your cars, your savings account, things like that.","start":926.635,"end":935.8,"sentiment":"neutral","sentiment_score":0.21660944260656834},{"text":"There's not always there's not always a set process.","start":936.18,"end":939.14,"sentiment":"neutral","sentiment_score":-0.02775376621219847}],"sentiment":"neutral","sentiment_score":0.21161653473973274,"num_words":100,"start":910.34,"end":939.14},{"sentences":[{"text":"And if you did pass away and you did not have a will in place, regardless of your circumstances, even though you are married, essentially, there's no guarantee that everything goes directly to your wife.","start":939.14,"end":951.115,"sentiment":"neutral","sentiment_score":-0.19301024377346038},{"text":"I have seen in certain circumstances where because if you die in probate, people can come forward and make a claim, and it's up to a judge to make a decision.","start":951.115,"end":960.52997,"sentiment":"neutral","sentiment_score":-0.12412005278371996},{"text":"And a judge follows the legislation, but if they see any sort of claim that they think is valid, they can definitely pass money or assets to another party in which you do not want to have that money or the assets.","start":961.31,"end":975.40497,"sentiment":"neutral","sentiment_score":-0.13136015761466252},{"text":"So it is really important to have a will and the power of attorney set up to protect everything else that you've worked hard for and making sure that your family know that you have beneficiaries on file, that you do have a will, and where those things are located in the event that something happens.","start":975.40497,"end":990.225,"sentiment":"neutral","sentiment_score":0.18208935989865235},{"text":"Okay?","start":990.51,"end":991.01,"sentiment":"neutral","sentiment_score":0.07984867691993713}],"sentiment":"neutral","sentiment_score":-0.03541426640568358,"num_words":165,"start":939.14,"end":991.01},{"sentences":[{"text":"Yeah.","start":992.83,"end":993.23004,"sentiment":"positive","sentiment_score":0.3759027123451233},{"text":"Beautiful.","start":993.23004,"end":993.73004,"sentiment":"positive","sentiment_score":0.6793174743652344},{"text":"Look.","start":994.11005,"end":994.35004,"sentiment":"positive","sentiment_score":0.516280472278595},{"text":"I wanted to kind of make this as easy and as brief as possible because you're not looking at the document.","start":994.35004,"end":999.15,"sentiment":"positive","sentiment_score":0.36391035680259975},{"text":"Don't wanna over confuse it or overcomplicate the advice at all.","start":999.15,"end":1002.885,"sentiment":"neutral","sentiment_score":-0.056847876445813614}],"sentiment":"neutral","sentiment_score":0.2453797574554171,"num_words":35,"start":992.83,"end":1002.885},{"sentences":[{"text":"I will let you go back to have a really good read of the advice.","start":1003.365,"end":1006.265,"sentiment":"positive","sentiment_score":0.3435874104499817},{"text":"I've got the best interest you need, the advantages, disadvantages, any risks involved, and any alternative strategies we've considered as well.","start":1006.325,"end":1013.625,"sentiment":"neutral","sentiment_score":0.32781422563961576},{"text":"We've outlined all the math in there for you to have a bit of a look at and all the fees as well so you can sort of see the difference and what the costing looks like.","start":1013.765,"end":1022.16,"sentiment":"neutral","sentiment_score":0.28010732338235184},{"text":"Did you have any questions at the moment?","start":1023.1,"end":1025.36,"sentiment":"neutral","sentiment_score":0.06326975487172604},{"text":"Yeah.","start":1034.5549,"end":1034.955,"sentiment":"neutral","sentiment_score":-0.013154413551092148}],"sentiment":"neutral","sentiment_score":0.27920590836282183,"num_words":82,"start":1003.365,"end":1034.955},{"sentences":[{"text":"Yeah.","start":1034.955,"end":1035.4349,"sentiment":"neutral","sentiment_score":0.02829248458147049},{"text":"Absolutely.","start":1035.4349,"end":1035.9349,"sentiment":"neutral","sentiment_score":0.14163027703762054},{"text":"Absolutely.","start":1036.5549,"end":1037.0549,"sentiment":"neutral","sentiment_score":0.11808285862207411},{"text":"Yeah.","start":1041.65,"end":1042.0499,"sentiment":"neutral","sentiment_score":0.12520450353622437},{"text":"Absolutely.","start":1042.0499,"end":1042.5499,"sentiment":"neutral","sentiment_score":0.20727047324180603}],"sentiment":"neutral","sentiment_score":0.1240961194038391,"num_words":5,"start":1034.955,"end":1042.5499},{"sentences":[{"text":"What I'll do if you like, I will I've sent this through to you so it is there.","start":1042.77,"end":1046.61,"sentiment":"neutral","sentiment_score":0.23303459336360297},{"text":"Have a look at the advice document as soon as you can, sometime today or tomorrow.","start":1046.61,"end":1050.63,"sentiment":"neutral","sentiment_score":0.16523036058060825},{"text":"I am away tomorrow, and I'm away Monday, but I can get my team to give you a call maybe next week or the week after if you wanted just to see if you had any questions in relation to that.","start":1051.4099,"end":1062.265,"sentiment":"neutral","sentiment_score":0.11565090952123083},{"text":"And they can always book in another time for you just to have a bit of a follow-up so you can ask any questions that you have, and we can kind of just revisit that advice.","start":1062.265,"end":1070.685,"sentiment":"neutral","sentiment_score":0.21486620604991913},{"text":"Essentially, we wanted to do the investment switch now because we need to get those investments changed.","start":1072.08,"end":1077.22,"sentiment":"neutral","sentiment_score":0.07648177707896513}],"sentiment":"neutral","sentiment_score":0.16105757319019176,"num_words":128,"start":1042.77,"end":1077.22},{"sentences":[{"text":"Do the investment switch now?","start":1077.4401,"end":1079.14,"sentiment":"neutral","sentiment_score":0.02966810539364815},{"text":"Yeah.","start":1079.28,"end":1079.78,"sentiment":"neutral","sentiment_score":0.07780919969081879},{"text":"It hasn't done gone a great deal.","start":1087.7949,"end":1089.3949,"sentiment":"neutral","sentiment_score":-0.05820857414177486},{"text":"So when we spoke in January, your balance is about $312,007.63.","start":1089.3949,"end":1094.355,"sentiment":"neutral","sentiment_score":0.023712152445858174},{"text":"We're up to 318,000 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portfolio.","start":1108.56,"end":1112.26,"sentiment":"neutral","sentiment_score":0.03977440713116756}],"sentiment":"neutral","sentiment_score":0.008053623341225289,"num_words":37,"start":1096.595,"end":1112.26},{"sentences":[{"text":"Think of your contributions as essentially capital.","start":1113.045,"end":1115.3651,"sentiment":"neutral","sentiment_score":0.06144407285111291},{"text":"It's principal.","start":1115.3651,"end":1116.165,"sentiment":"neutral","sentiment_score":0.09395197406411171},{"text":"It is put into the portfolio, and it does help to make it grow, but we also just wanna make sure that, yeah, the returns they're looking at are the income that is generated from your principal or from your contributions and from your portfolio and the growth.","start":1116.165,"end":1131.2101,"sentiment":"neutral","sentiment_score":0.11100062060480316},{"text":"And it is it is a much smaller amount, and a lot of that is because of a, Van Alon hasn't been performing very well for you and also what's happening globally at the moment.","start":1131.2101,"end":1140.67,"sentiment":"neutral","sentiment_score":0.07783543169498444},{"text":"But it's good to take this opportunity to use then along while it is down to offset any additional gains.","start":1141.115,"end":1147.755,"sentiment":"neutral","sentiment_score":0.2943481713533401}],"sentiment":"neutral","sentiment_score":0.12997540878131986,"num_words":112,"start":1113.045,"end":1147.755},{"sentences":[{"text":"We'll rebalance your portfolio and make some changes to it, and then sort of monitor it moving forward and make sure it is sort of growing a bit more for you.","start":1147.755,"end":1157.0,"sentiment":"neutral","sentiment_score":0.2803094271690615},{"text":"Okay?","start":1157.0599,"end":1157.5599,"sentiment":"neutral","sentiment_score":0.10267657786607742},{"text":"All good.","start":1160.02,"end":1160.58,"sentiment":"positive","sentiment_score":0.46745550632476807},{"text":"I will let you go.","start":1160.9,"end":1161.78,"sentiment":"neutral","sentiment_score":0.3066756069660187},{"text":"I don't wanna overcomplicate it too much today for you, but, I've emailed it through to you.","start":1161.78,"end":1166.115,"sentiment":"neutral","sentiment_score":0.20366732469376395}],"sentiment":"neutral","sentiment_score":0.262908971203225,"num_words":56,"start":1147.755,"end":1166.115},{"sentences":[{"text":"A really good look at the document.","start":1166.195,"end":1167.475,"sentiment":"positive","sentiment_score":0.5835783162287304},{"text":"If you're happy to take the recommendations on board and don't have any questions, let me just sign and return it back.","start":1167.475,"end":1173.015,"sentiment":"positive","sentiment_score":0.4098752662539482},{"text":"If you do have any additional questions, let me know, and I'll make sure my team follow-up probably next week or the week after just to sort of book in a time to see if you do have anything that's said that you wanna discuss or any any questions you have in relation to that advice document.","start":1173.395,"end":1186.94,"sentiment":"neutral","sentiment_score":0.17884599548159985},{"text":"Okay?","start":1187.1599,"end":1187.6599,"sentiment":"neutral","sentiment_score":0.11000755429267885},{"text":"That's okay.","start":1189.787,"end":1190.507,"sentiment":"positive","sentiment_score":0.5720885992050171}],"sentiment":"neutral","sentiment_score":0.2758506805206952,"num_words":89,"start":1166.195,"end":1190.507},{"sentences":[{"text":"Thank you for calling me back.","start":1190.507,"end":1191.9469,"sentiment":"positive","sentiment_score":0.7374820013840994},{"text":"I appreciate your time today, Graham.","start":1191.9469,"end":1193.7269,"sentiment":"positive","sentiment_score":0.783078670501709},{"text":"Thanks.","start":1195.4669,"end":1195.867,"sentiment":"positive","sentiment_score":0.6907297372817993},{"text":"See you later.","start":1195.867,"end":1196.6069,"sentiment":"neutral","sentiment_score":0.29966603219509125}],"sentiment":"positive","sentiment_score":0.6695682415738702,"num_words":16,"start":1190.507,"end":1196.6069}]}}]},{"alternatives":[{"transcript":"Hello, Dana. Graham just called in if you still wanted to present the advice to him. Otherwise, I can reschedule him. Okay. Yeah. Perfect. I've just passed him through security, and I asked if he had enough time for the call. And he said, yep. He's all good. Alright. Not a problem. Are you ready? Have you got the things up? Alright. Perfect. Well, I'll transfer you I'll transfer Graham through to you in 03/21. Yeah. Good. Thanks. Yeah. I'm in town, but, yeah, it's alright. I I can get on to the email. That sounds good. Okay. Okay. Yes. Okay. Okay. Yeah. Yeah. No. I'll go I'll go back under control. No worries. Yeah. That makes sense. But it might it's cheaper to have it, but but how much more overall compared to other than that? Yeah. Yep. Okay. Yep. Okay. That sounds good. Yeah. Well, if if you make the money, you don't mind paying the tax. You know what I mean? No. That's correct. Yeah. Yep. Okay. Yep. Okay. I've got a I've got a question. What is the maximum, like, allowed to go into the super before it affects the the, you know, that 15% of the tax? Yeah. That that's with that's with that's that's with the work, putting money in the super. And if I sacrificed money into my super, right, it it could it's about $30,000 in total. Yep. Yep. Mhmm. Yep. It does. Yeah. Yep. So that that's well, next financial year, I wanna start doing it straight away. So will you will you let me know so I can let my employees know and stuff like that, like, how much? It is a it's a it's a good number I can use. And and could you could you just be putting so much back into my account? Yep. It does. Yeah. Yep. Okay. Yep. Mhmm. Yep. Yep. That's fair enough. No. No. No. I I don't at the moment, but I reckon that when it comes up to the financial year, I'll probably wanna have another quick little chat. The the when I get into starting to do the salary sacrifice on that. Yep. Mhmm. Yep. Yeah. I want them yep. Well, I want them done as quick as possible because like like I did like I said to you, when I was last talking to you, it's it's actually not doing nothing yet. But also contributions is going in there as well. Yep. Yes. Okay. Yeah. Okay. No worries. Thank you. Okay. 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Dana. Graham just called in if you still wanted to present the advice to him. Otherwise, I can reschedule him. Okay. Yeah.\n\nPerfect. I've just passed him through security, and I asked if he had enough time for the call. And he said, yep. He's all good. Alright.\n\nNot a problem. Are you ready? Have you got the things up? Alright. Perfect.\n\nWell, I'll transfer you I'll transfer Graham through to you in 03/21. Yeah. Good. Thanks. Yeah.\n\nI'm in town, but, yeah, it's alright. I I can get on to the email. That sounds good. Okay. Okay.\n\nYes. Okay. Okay. Yeah. Yeah.\n\nNo. I'll go I'll go back under control. No worries. Yeah. That makes sense.\n\nBut it might it's cheaper to have it, but but how much more overall compared to other than that? Yeah. Yep. Okay. Yep.\n\nOkay. That sounds good. Yeah. Well, if if you make the money, you don't mind paying the tax. You know what I mean?\n\nNo. That's correct. Yeah. Yep. Okay.\n\nYep. Okay. I've got a I've got a question. What is the maximum, like, allowed to go into the super before it affects the the, you know, that 15% of the tax? Yeah.\n\nThat that's with that's with that's that's with the work, putting money in the super. And if I sacrificed money into my super, right, it it could it's about $30,000 in total. Yep. Yep. Mhmm.\n\nYep. It does. Yeah. Yep. So that that's well, next financial year, I wanna start doing it straight away.\n\nSo will you will you let me know so I can let my employees know and stuff like that, like, how much? It is a it's a it's a good number I can use. And and could you could you just be putting so much back into my account? Yep. It does.\n\nYeah. Yep. Okay. Yep. Mhmm.\n\nYep. Yep. That's fair enough. No. No.\n\nNo. I I don't at the moment, but I reckon that when it comes up to the financial year, I'll probably wanna have another quick little chat. The the when I get into starting to do the salary sacrifice on that. Yep. Mhmm.\n\nYep. Yeah. I want them yep. Well, I want them done as quick as possible because like like I did like I said to you, when I was last talking to you, it's it's actually not doing nothing yet. But also contributions is going in there as well.\n\nYep. Yes. Okay. Yeah. Okay.\n\nNo worries. Thank you. Okay. 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that?","start":324.33502,"end":330.11502,"sentiment":"neutral","sentiment_score":0.019477119767352155},{"text":"Yeah.","start":333.295,"end":333.795,"sentiment":"neutral","sentiment_score":0.10827763378620148},{"text":"Yep.","start":338.8,"end":339.04,"sentiment":"neutral","sentiment_score":0.14149799942970276},{"text":"Okay.","start":339.04,"end":339.54,"sentiment":"neutral","sentiment_score":0.14064306020736694},{"text":"Yep.","start":339.6,"end":340.1,"sentiment":"neutral","sentiment_score":0.16479456424713135}],"sentiment":"neutral","sentiment_score":0.040229501445656235,"num_words":23,"start":324.33502,"end":340.1},{"sentences":[{"text":"Okay.","start":360.33002,"end":360.83002,"sentiment":"neutral","sentiment_score":-0.022180795669555664},{"text":"That sounds good.","start":388.93,"end":389.99,"sentiment":"positive","sentiment_score":0.7702034115791321},{"text":"Yeah.","start":445.04,"end":445.36002,"sentiment":"neutral","sentiment_score":0.27566349506378174},{"text":"Well, if if you make the money, you don't mind paying the tax.","start":445.36002,"end":448.48,"sentiment":"neutral","sentiment_score":0.12467753228086692},{"text":"You know what I mean?","start":448.48,"end":449.54,"sentiment":"neutral","sentiment_score":0.08322770595550537}],"sentiment":"neutral","sentiment_score":0.20004519058958345,"num_words":23,"start":360.33002,"end":449.54},{"sentences":[{"text":"No.","start":487.905,"end":488.145,"sentiment":"negative","sentiment_score":-0.37503695487976074},{"text":"That's correct.","start":488.145,"end":488.88498,"sentiment":"neutral","sentiment_score":-0.17462628334760666},{"text":"Yeah.","start":489.185,"end":489.685,"sentiment":"neutral","sentiment_score":0.00940021499991417},{"text":"Yep.","start":523.085,"end":523.585,"sentiment":"neutral","sentiment_score":0.1779348850250244},{"text":"Okay.","start":523.645,"end":524.145,"sentiment":"neutral","sentiment_score":0.30071699619293213}],"sentiment":"neutral","sentiment_score":-0.03937290422618389,"num_words":6,"start":487.905,"end":524.145},{"sentences":[{"text":"Yep.","start":603.055,"end":603.555,"sentiment":"positive","sentiment_score":0.5092557072639465},{"text":"Okay.","start":631.175,"end":631.675,"sentiment":"neutral","sentiment_score":0.06400604546070099},{"text":"I've got a I've got a question.","start":631.89496,"end":634.535,"sentiment":"neutral","sentiment_score":-0.0312411045389516},{"text":"What is the maximum, like, allowed to go into the super before it affects the the, you know, that 15% of the tax?","start":634.535,"end":642.31,"sentiment":"neutral","sentiment_score":-0.062013664161381515},{"text":"Yeah.","start":645.57,"end":645.89,"sentiment":"neutral","sentiment_score":-0.06706637889146805}],"sentiment":"neutral","sentiment_score":-0.03450929192882596,"num_words":33,"start":603.055,"end":645.89},{"sentences":[{"text":"That that's with that's with that's that's with the work, putting money in the super.","start":645.89,"end":651.01,"sentiment":"neutral","sentiment_score":-0.14822219908237458},{"text":"And if I sacrificed money into my super, right, it it could it's about $30,000 in total.","start":651.01,"end":658.305,"sentiment":"neutral","sentiment_score":-0.08942168961991281},{"text":"Yep.","start":664.28503,"end":664.78503,"sentiment":"neutral","sentiment_score":0.005626646336168051},{"text":"Yep.","start":671.2,"end":671.7,"sentiment":"neutral","sentiment_score":-0.08101414144039154},{"text":"Mhmm.","start":677.28,"end":677.78,"sentiment":"neutral","sentiment_score":-0.08886155486106873}],"sentiment":"neutral","sentiment_score":-0.11165002170684082,"num_words":35,"start":645.89,"end":677.78},{"sentences":[{"text":"Yep.","start":724.68,"end":725.18,"sentiment":"neutral","sentiment_score":0.19634148478507996},{"text":"It does.","start":764.555,"end":765.195,"sentiment":"neutral","sentiment_score":0.29592469334602356},{"text":"Yeah.","start":765.195,"end":765.695,"sentiment":"neutral","sentiment_score":0.25705474615097046},{"text":"Yep.","start":766.475,"end":766.875,"sentiment":"neutral","sentiment_score":0.24253758788108823},{"text":"So that that's well, next financial year, I wanna start doing it straight away.","start":766.875,"end":771.295,"sentiment":"positive","sentiment_score":0.4411752883877073}],"sentiment":"positive","sentiment_score":0.39285459173353093,"num_words":19,"start":724.68,"end":771.295},{"sentences":[{"text":"So will you will you let me know so I can let my employees know and stuff like that, like, how much?","start":771.51495,"end":778.42,"sentiment":"neutral","sentiment_score":0.2657037265598774},{"text":"It is a it's a it's a good number I can use.","start":778.88,"end":781.36,"sentiment":"positive","sentiment_score":0.48148753742376965},{"text":"And and could you could you just be putting so much back into my account?","start":781.36,"end":786.26,"sentiment":"neutral","sentiment_score":0.24597198863824207},{"text":"Yep.","start":796.445,"end":796.945,"sentiment":"positive","sentiment_score":0.389314740896225},{"text":"It does.","start":862.79004,"end":863.27,"sentiment":"neutral","sentiment_score":0.16713225096464157}],"sentiment":"neutral","sentiment_score":0.308394067419263,"num_words":52,"start":771.51495,"end":863.27},{"sentences":[{"text":"Yeah.","start":863.27,"end":863.77,"sentiment":"neutral","sentiment_score":0.15970182418823242},{"text":"Yep.","start":901.81,"end":902.31,"sentiment":"positive","sentiment_score":0.34893736243247986},{"text":"Okay.","start":909.005,"end":909.505,"sentiment":"neutral","sentiment_score":0.2048812210559845},{"text":"Yep.","start":909.725,"end":910.225,"sentiment":"neutral","sentiment_score":0.29845166206359863},{"text":"Mhmm.","start":936.16504,"end":936.66504,"sentiment":"neutral","sentiment_score":0.010715283453464508}],"sentiment":"neutral","sentiment_score":0.204537470638752,"num_words":5,"start":863.27,"end":936.66504},{"sentences":[{"text":"Yep.","start":990.885,"end":991.045,"sentiment":"neutral","sentiment_score":0.0940152108669281},{"text":"Yep.","start":991.045,"end":991.365,"sentiment":"neutral","sentiment_score":0.1224554404616356},{"text":"That's fair enough.","start":991.365,"end":992.345,"sentiment":"neutral","sentiment_score":0.18860801060994467},{"text":"No.","start":1026.235,"end":1026.635,"sentiment":"neutral","sentiment_score":-0.14189493656158447},{"text":"No.","start":1026.635,"end":1027.115,"sentiment":"neutral","sentiment_score":-0.17752575874328613}],"sentiment":"neutral","sentiment_score":0.06612485540764672,"num_words":7,"start":990.885,"end":1027.115},{"sentences":[{"text":"No.","start":1027.115,"end":1027.515,"sentiment":"neutral","sentiment_score":-0.224765807390213},{"text":"I I don't at the moment, but I reckon that when it comes up to the financial year, I'll probably wanna have another quick little chat.","start":1027.515,"end":1034.52,"sentiment":"neutral","sentiment_score":-0.22800532843057925},{"text":"The the when I get into starting to do the salary sacrifice on that.","start":1037.0,"end":1041.18,"sentiment":"neutral","sentiment_score":-0.05740882136992046},{"text":"Yep.","start":1051.495,"end":1051.995,"sentiment":"neutral","sentiment_score":-0.09221550822257996},{"text":"Mhmm.","start":1054.855,"end":1055.355,"sentiment":"neutral","sentiment_score":-0.08002930879592896}],"sentiment":"neutral","sentiment_score":-0.165787736343783,"num_words":43,"start":1027.115,"end":1055.355},{"sentences":[{"text":"Yep.","start":1066.38,"end":1066.88,"sentiment":"neutral","sentiment_score":0.16831859946250916},{"text":"Yeah.","start":1077.42,"end":1077.74,"sentiment":"neutral","sentiment_score":0.04794871807098389},{"text":"I want them yep.","start":1077.74,"end":1079.475,"sentiment":"neutral","sentiment_score":0.02610603254288435},{"text":"Well, I want them done as quick as possible because like like I did like I said to you, when I was last talking to you, it's it's actually not doing nothing yet.","start":1079.5549,"end":1087.575,"sentiment":"neutral","sentiment_score":0.04388823168295802},{"text":"But also contributions is going in there as well.","start":1101.48,"end":1104.62,"sentiment":"neutral","sentiment_score":-0.04159018542203638}],"sentiment":"neutral","sentiment_score":0.029056071342589956,"num_words":48,"start":1066.38,"end":1104.62},{"sentences":[{"text":"Yep.","start":1113.3251,"end":1113.8251,"sentiment":"neutral","sentiment_score":0.0596863329410553},{"text":"Yes.","start":1130.87,"end":1131.37,"sentiment":"neutral","sentiment_score":0.09309276938438416},{"text":"Okay.","start":1158.11,"end":1158.61,"sentiment":"neutral","sentiment_score":0.13021966814994812},{"text":"Yeah.","start":1158.67,"end":1159.17,"sentiment":"neutral","sentiment_score":0.22279082238674164},{"text":"Okay.","start":1187.48,"end":1187.96,"sentiment":"neutral","sentiment_score":0.16845948994159698}],"sentiment":"neutral","sentiment_score":0.13484981656074524,"num_words":5,"start":1113.3251,"end":1187.96},{"sentences":[{"text":"No worries.","start":1187.96,"end":1188.44,"sentiment":"neutral","sentiment_score":0.31751492619514465},{"text":"Thank you.","start":1188.44,"end":1189.0168,"sentiment":"positive","sentiment_score":0.662927895784378},{"text":"Okay.","start":1193.8969,"end":1194.3969,"sentiment":"positive","sentiment_score":0.49259811639785767},{"text":"See you.","start":1194.5369,"end":1195.2769,"sentiment":"positive","sentiment_score":0.5285178124904633}],"sentiment":"positive","sentiment_score":0.5015027693339756,"num_words":7,"start":1187.96,"end":1195.2769}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hello?\n\nChannel 1: Hello, Dana. Graham just called in if you still wanted to present the advice to him. Otherwise, I can reschedule\n\nChannel 0: Oh,\n\nChannel 1: him.\n\nChannel 0: no. That's fine. Absolutely. We can get\n\nChannel 1: Okay.\n\nChannel 0: that done. That's one thing less to worry about.\n\nChannel 1: Yeah. Perfect. I've just passed him through security, and I asked if he had enough time for the call. And he said, yep. He's\n\nChannel 0: Yep.\n\nChannel 1: all good.\n\nChannel 0: Oh, beautiful. Fantastic. Thanks, Sam.\n\nChannel 1: Alright. Not a problem. Are you ready? Have you got the things up?\n\nChannel 0: Yep. I've got everything here ready to go.\n\nChannel 1: Alright. Perfect. Well, I'll transfer you I'll transfer Graham through to you in 03/21.\n\nChannel 0: Hi, miss Zena. How are you this morning?\n\nChannel 1: Yeah. Good. Thanks.\n\nChannel 0: That's good. I just had you booked in this morning to run through your updated statement of advice. Is now still a good time there for you?\n\nChannel 1: Yeah. I'm in town, but, yeah, it's alright.\n\nChannel 0: Yeah. That's okay. So you don't have access to your emails at\n\nChannel 1: I\n\nChannel 0: the moment. Is that right?\n\nChannel 1: I can get on to the email.\n\nChannel 0: Yeah. That's okay. I normally just send the document through to you via email so you can kind of have a look at what I'm going through with you. But if it's not preferable for you to see your emails, like, if you have to put me on speakerphone, you're not anywhere secure, then I can just run through the advice for you if you like, give you a rundown, and you're welcome to have a bit of a look at it later.\n\nChannel 1: That sounds good.\n\nChannel 0: Yeah. Beautiful. Well, I'm just gonna take this one through to you. So here's in your email there for when you are able to look at it. What I'll do is I'll try I'll try to go through it in as brief as possible so that not to overcomplicate it.\n\nAnd if you find you do have questions, please let me know. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Excellent. Excellent. Oh, good. So, Graham, this one here is essentially looking at your super. When you do look at the document there, you will know that it has been prepared for yourself with your lovely name on the very top there and my authorized representative number on the bottom of the document.\n\nSo I'm a registered financial adviser with ASIC, and my registration number is 1304394. Okay?\n\nChannel 1: Okay.\n\nChannel 0: As you ask all into the document, you will note that we have scoped in certain areas for superannuation. You're looking forward to hopefully retiring at around the age six seven to 70 depending on how you're feeling and how your health is and how everything goes down the track there. You\n\nChannel 1: Yes.\n\nChannel 0: were hoping to, at the time, draw an income in retirement of about $650 per week. That could change down the track, and that's absolutely fine. This is what we're working on at the moment for your goal. Okay?\n\nChannel 1: Okay.\n\nChannel 0: We've got the new state planning side of things as well for you. So you don't have a will or power of attorney, and because we are looking at the t t the transfer time strategies as well, we do need to make sure a beneficiary is also applied to the account.\n\nChannel 1: Okay.\n\nChannel 0: I've looked at projecting forward to retirement. So because you are getting closer retirement years, you are hoping to retire at around at the age 67 to 70 depending on how things go down the track there. I have done a little bit of projecting forward looking at the possibility of Social Security retirement planning to a limited scope just to give you an idea of longevity based on your current goals. Okay?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: In areas that we're not looking at any additional advice today, we're not looking at areas of insurance. If you don't have any insurance, if you are happy not to have any, super is your main focus at the moment working towards your retirement goals. And, also, you wanted to pay your mortgage down as quickly as possible, but we're not providing any additional advice on that currently. If you did want additional advice down the track or wanted to speak to a mortgage broker, please let us know. We can certainly assist you in that area.\n\nOkay?\n\nChannel 1: No. I'll go I'll go back under control.\n\nChannel 0: You got that sorted. Fantastic. Excellent. In the device document, we do have all your assets and liabilities noted as per our last conversation. If there are any changes that you wanted to have updated when you look at the document, please let us know.\n\nOkay?\n\nChannel 1: No worries.\n\nChannel 0: To kind of run you through the recommendations, I have gone back and had a really good look at your super. Your super has well, has been growing quite steadily this year. We have seen quite a bit of volatility in the market, and that means that there has been some underperforming investments that we wanted to look at removing for you. The Benel Long Australian Equities is a good example of that one. That investment hasn't seen exactly what it was supposed to see.\n\nThat investment has been underperforming, so we are looking to remove that investment. We're also looking to make some changes to your portfolio. So you'll see when you look at the document, there are gonna be some buyers and sales. Essentially, the portfolio you're in currently has seen when we look at the five year rolling average about 6.06% return average over the last five years there. What we wanna do is move you out of that portfolio and into something a little bit better that has shown a greater past return, which hopefully is down the track and provides you with a greater level of return.\n\nOne of the big changes that we are making is removing that ban along Australian equities and putting you into the Australian 200. So this is the BetaShares a 200 investment. It actually gives you more diversification, and that investment is actually cheaper than BetterLoan as a whole. And when you look at the difference where by making the switch of these investments for you, we can actually save you about $1,295 on a yearly basis on investment fees. So it's gonna be cheaper for you.\n\nDoes that make sense?\n\nChannel 1: Yeah. That makes sense. But it might it's cheaper to have it, but but how much more overall compared to other than that?\n\nChannel 0: The return? So the return\n\nChannel 1: Yeah.\n\nChannel 0: on the newer portfolio has averaged 11.13% over the past five years.\n\nChannel 1: Yep. Okay. Yep.\n\nChannel 0: Yeah. So this portfolio is cheaper. It has shown a greater past performance. Admittedly, it's important to note that the projections and past performance are not guaranteed in any way, shape, or form. This is what the portfolios have shown in the past, which shows you essentially what they can make in the future if they saw the same market conditions.\n\nBut we do know\n\nChannel 1: Okay.\n\nChannel 0: that markets will go up, markets will go down. This year alone, we have seen some very heavy volatility with what's been happening with The US and the Iran war. So we know that markets will go up, markets will go down. You're not guaranteed 11% every year over the next five to ten years. However, with the production moving forward, the saving fees, it does essentially show that you could end up in a much greater position if if this portfolio was able to make that 11% return every year moving forward.\n\nOkay?\n\nChannel 1: That sounds good.\n\nChannel 0: Perfect. Now it's also important to note that we do have capital gains consequences. So your super fund, just like you every year, does do a tax return. So in order to make the switch in the investments, we're buying and selling in the most cost effective way. But your super fund will account for a capital gains consequence of about $651.\n\nEssentially, you don't have to pay any of that. That's all held and dealt with by your super fund. But it just means that after we complete the switch of the investments, there is a CGT consequence for your super, and this super fund will pay that. We minimize it as much as possible to about $651, but it's a small cost considering the investment switch saves $1,200 in investment fees. So, overall, you're gonna be saving more money, and the this portfolio has seen a greater past performance.\n\nSo it can definitely, down the track, provide you with a greater level of return. Okay?\n\nChannel 1: Yeah. Well, if if you make the money, you don't mind paying the tax. You know what I mean?\n\nChannel 0: That's exact that's exactly right. That's exactly right. I have, as we mentioned, done some projecting forward. Given your current circumstances, after all the advice has been put into play, we can see you being able to draw that $650 on a weekly basis down from super to be able to support your income needs. The projection we do is more conservative when we're looking at the retirement because you're in a growth portfolio now.\n\nYou're wanting to take more risk now to obtain a greater potential return. However, as you get closer to accessing super and in those retirement years, you're not gonna wanna be in the same level of risk. We don't want you to be taking\n\nChannel 1: No.\n\nChannel 0: more\n\nChannel 1: That's correct.\n\nChannel 0: risk.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. So we do have a much more conservative projected return here, but, essentially, it does show that given your current circumstances, you should be eligible for the for some age pension there as well to offset some of your super. And between the two, we can see you meeting your goal, drawing that $650 per week down, and being able to sustain super as well as some age pension until around about age 90 at the moment, and we wanna make sure that we're reviewing this strategy every year so we can continue to update and hopefully build on that for you. Okay?\n\nChannel 1: Yep. Okay.\n\nChannel 0: Beautiful. Now the other thing which is a little bit more confusing, I'll try to make it as simple as possible, is that transit your time sort of strategy we talked about. So because you're 60, there are ways that you can provide a much greater boost to your super by increasing your contributions in. However, by increasing contributions in the super, it does affect your take home pay. So because you're 60, we're able to implement this transition to retirement strategy where we can actually increase your contributions in the super.\n\nWe used your most recent payslip you provided to project out your salary. We're not planning to start this this financial year, sir, because we are very close to June. We're looking to start this as of the July 1. Essentially, how this will work for you, Graham, is we will keep keep about a 156,000 in your super accumulation account. We will move a 160,000 into a secondary it's called a transition retirement pension account, so you'll have two super accounts.\n\nOne super, one pension. We increased your contributions for the year to 900 sorry. $9,875. So you put more money in the super by way of salary sacrifice, and then we're gonna draw some money out of your super to replenish your income.\n\nChannel 1: Yep.\n\nChannel 0: Overall, you save on tax because the money going into super is only taxed at 15% as opposed to your marginal tax rate. And then because you're over 60, under this TTR strategy, we're able to access a minimum of 4% of your super and a maximum of 10%. So we're able to replenish your income, and we can draw less money at them we're putting in to bring your income back to your to your net take home pay.\n\nChannel 1: Okay.\n\nChannel 0: With the\n\nChannel 1: I've\n\nChannel 0: math that\n\nChannel 1: got\n\nChannel 0: I've\n\nChannel 1: a\n\nChannel 0: got in\n\nChannel 1: I've got a\n\nChannel 0: yeah.\n\nChannel 1: question. What is the maximum, like,\n\nChannel 0: Yeah.\n\nChannel 1: allowed to go into the super before it affects\n\nChannel 0: Yeah.\n\nChannel 1: the the, you know, that 15% of the tax?\n\nChannel 0: Before, it affects the 15%. Sorry.\n\nChannel 1: Yeah.\n\nChannel 0: I'm not\n\nChannel 1: That\n\nChannel 0: quite\n\nChannel 1: that's\n\nChannel 0: sure I\n\nChannel 1: with\n\nChannel 0: understand.\n\nChannel 1: that's with that's that's with the work, putting money in the super. And if I sacrificed money into my super, right, it it could it's about $30,000 in total.\n\nChannel 0: At the moment, it is. The next financial year, it goes up to 32,500. So\n\nChannel 1: Yep.\n\nChannel 0: we have looked to maximize next year's contributions cut because we're not gonna start this or do anything with this PCR until the first\n\nChannel 1: Yep.\n\nChannel 0: of July. We don't wanna do anything right now. We wanna wait till next financial year because the cap increases for you.\n\nChannel 1: Mhmm.\n\nChannel 0: You weren't able to you weren't able to look at your myGov account and get your catch up contribution. So me and my team have gone back, and we've looked at all of your contributions over the past five years in the super. And we've also worked out that you have approximately $59,645 of unused concessional caps from the previous five years. Now what we have done because we are looking to maximize next year's cap, we don't wanna kinda do anything that's gonna negatively affect you. And because your income is quite fluid, you get your co bonuses, which is also included in your income.\n\nYour contributions fluctuate depending on your bonuses and your income as well. So we've used your gross income. We've averaged it out over the, essentially, the twelve month period to work out what we expect you to earn. We've then\n\nChannel 1: Yep.\n\nChannel 0: looked at the contributions cap and worked out what we expect your contributions to be, and then we've worked it all out based on that, which means that you have approximately, for next financial year, $9,875 in contribution cap space, which we're gonna maximize out to bring your contributions up to the cap. Because you have that extra 59,000 of unused cap space, if we go over the cap in any way, if your income increases in any way, that is absolutely okay. You've got an extra 59,000 of unused cap space that we can utilize, so it's not gonna negatively impact you in any way. Does that make sense?\n\nChannel 1: It does. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: So if\n\nChannel 1: So that\n\nChannel 0: you get\n\nChannel 1: that's\n\nChannel 0: a bonus\n\nChannel 1: well, next financial\n\nChannel 0: yep.\n\nChannel 1: year, I wanna start doing it straight away. So\n\nChannel 0: Yep.\n\nChannel 1: will you will you\n\nChannel 0: Absolutely.\n\nChannel 1: let me know so I can let my employees know and stuff like that, like, how\n\nChannel 0: Yep.\n\nChannel 1: much? It is\n\nChannel 0: Yep.\n\nChannel 1: a it's a it's a good number I can use. And and\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: could you could you just be putting so much back into my account?\n\nChannel 0: That's correct. Yeah. And because the tax inside super is so much less, the money you're drawing out of super to replenish your income is completely tax free. So\n\nChannel 1: Yep.\n\nChannel 0: it works out under the strategy. You're actually saving on income tax. We estimate the saving on income tax to be about $2,659. When you're looking at this on page number 28, have a look at it. Run through the numbers.\n\nIf you have questions, let me know. I know it's a bit hard because you're not seeing the documents there, but I've got all the numbers outlined for you showing you your current salary based on our projected outcome, the salary sacrifice. You've got your current income tax versus what we proposed with the strategy. We've got also the net take home pay and how much you put in and draw out and kind of broke it all down for you. But we definitely wanna start this as of the July 1 to make it easier.\n\nHow I work this strategy, because salary sacrifice reduces your take home pay, I will always make my team open the pension account first. We then work out your first drawdown. Make sure your drawdown happens out of the pension account and then get your salary sacrifice into play. That way, the first amount comes down to your bank account, and then you start salary sacrificing so that it doesn't negatively impact you. Does that make sense?\n\nChannel 1: It does. Yeah.\n\nChannel 0: Yeah. I just wanna never wanna sort of make it that you're running, you know, with a mortgage and with life and living expenses. We never wanna make it that you're putting more into super than you're drawing out. But this strategy actually keeps your take home pay a little bit higher than what it is currently, and we've got a backup. So if if you earn a little bit more, if your you know, you guys do really great and your co bonus is really high for next year, we have that touch of contribution space to allow.\n\nThis strategy does need to be reviewed every year so that we can replenish and alter and change it, especially then as your income tends to go up on a, you know, a yearly basis, which is a fantastic benefit.\n\nChannel 1: Yep.\n\nChannel 0: And it's just about making sure we're putting as much as we can into super and building on super for your retirement. Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: Beautiful. We also do need to make sure that beneficiary nominations are put in place for that transit to your retirement pension accounts, and my team will assist and help you with that. And then we've also got a recommendation in here that you do speak to the solicitor that have a will and power of attorney set up. We have beneficiary nominations in place for your super, but it's also about protecting all of your other assets outside of super, your house, your cars, your savings account, things like that.\n\nChannel 1: Mhmm.\n\nChannel 0: There's not always there's not always a set process. And if you did pass away and you did not have a will in place, regardless of your circumstances, even though you are married, essentially, there's no guarantee that everything goes directly to your wife. I have seen in certain circumstances where because if you die in probate, people can come forward and make a claim, and it's up to a judge to make a decision. And a judge follows the legislation, but if they see any sort of claim that they think is valid, they can definitely pass money or assets to another party in which you do not want to have that money or the assets. So it is really important to have a will and the power of attorney set up to protect everything else that you've worked hard for and making sure that your family know that you have beneficiaries on file, that you do have a will, and where those things are located in the event that something happens.\n\nOkay?\n\nChannel 1: Yep. Yep. That's fair enough.\n\nChannel 0: Yeah. Beautiful. Look. I wanted to kind of make this as easy and as brief as possible because you're not looking at the document. Don't wanna over confuse it or overcomplicate the advice at all.\n\nI will let you go back to have a really good read of the advice. I've got the best interest you need, the advantages, disadvantages, any risks involved, and any alternative strategies we've considered as well. We've outlined all the math in there for you to have a bit of a look at and all the fees as well so you can sort of see the difference and what the costing looks like. Did you have any questions at the moment?\n\nChannel 1: No. No. No. I I don't at the moment, but I reckon that when it comes up to the financial year, I'll probably wanna have another quick little chat.\n\nChannel 0: Yeah. Yeah. Absolutely. Absolutely.\n\nChannel 1: The the when I get into starting to do the salary sacrifice on that.\n\nChannel 0: Yeah. Absolutely. What I'll do if you like, I will I've sent this through to you so it is there. Have a look at the advice document as soon as you can, sometime today or tomorrow. I\n\nChannel 1: Yep.\n\nChannel 0: am away tomorrow, and I'm away Monday, but\n\nChannel 1: Mhmm.\n\nChannel 0: I can get my team to give you a call maybe next week or the week after if you wanted just to see if you had any questions in relation to that. And they can always book in another time for you just to have a bit of a follow-up\n\nChannel 1: Yep.\n\nChannel 0: so you can ask any questions that you have, and we can kind of just revisit that advice. Essentially, we wanted to do the investment switch now because we need to get those investments changed.\n\nChannel 1: Yeah.\n\nChannel 0: Do the\n\nChannel 1: I\n\nChannel 0: investment\n\nChannel 1: want them\n\nChannel 0: switch now?\n\nChannel 1: yep.\n\nChannel 0: Yeah.\n\nChannel 1: Well, I want them done as quick as possible because like like I did like I said to you, when I was last talking to you, it's it's actually not doing nothing yet.\n\nChannel 0: It hasn't done gone a great deal. So when we spoke in January, your balance is about $312,007.63. We're up to 318,000 now. So it has only increased by 1.61%. It's not a great\n\nChannel 1: But also\n\nChannel 0: not a\n\nChannel 1: contributions\n\nChannel 0: great\n\nChannel 1: is\n\nChannel 0: increase.\n\nChannel 1: going in there as well.\n\nChannel 0: Yeah. So the return does not include your contributions. That is only factoring in the income plus the growth in the portfolio. Think of your\n\nChannel 1: Yep.\n\nChannel 0: contributions as essentially capital. It's principal. It is put into the portfolio, and it does help to make it grow, but we also just wanna make sure that, yeah, the returns they're looking at are the income that is generated from your principal or from your contributions and from your portfolio and the growth.\n\nChannel 1: Yes.\n\nChannel 0: And it is it is a much smaller amount, and a lot of that is because of a, Van Alon hasn't been performing very well for you and also what's happening globally at the moment. But it's good to take this opportunity to use then along while it is down to offset any additional gains. We'll rebalance your portfolio and make some changes to it, and then sort of monitor it moving forward and make sure it is sort of growing a bit more for you. Okay?\n\nChannel 1: Okay. Yeah.\n\nChannel 0: All good. I will let you go. I don't wanna overcomplicate it too much today for you, but, I've emailed it through to you. A really good look at the document. If you're happy to take the recommendations on board and don't have any questions, let me just sign and return it back.\n\nIf you do have any additional questions, let me know, and I'll make sure my team follow-up probably next week or the week after just to sort of book in a time to see if you do have anything that's said that you wanna discuss or any any questions you have in relation to that advice document. Okay?\n\nChannel 1: Okay. No worries. Thank you.\n\nChannel 0: That's okay. Thank you for calling me back. I appreciate your time today, Graham.\n\nChannel 1: Okay. See you.\n\nChannel 0: Thanks. See you later.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.009690925478935242}],"sentiment":"neutral","sentiment_score":0.009690925478935242,"channel":0,"num_words":1,"start":0.56,"end":1.06},{"sentences":[{"text":"Hello, Dana.","start":1.92,"end":2.8999999,"sentiment":"neutral","sentiment_score":0.012801340781152248},{"text":"Graham just called in if you still wanted to present the advice to him.","start":3.4399998,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.013377489788191659},{"text":"Otherwise, I can reschedule","start":6.8799996,"end":8.1,"sentiment":"neutral","sentiment_score":-0.0029236818663775925}],"sentiment":"neutral","sentiment_score":0.010059640556573868,"channel":1,"num_words":20,"start":1.92,"end":8.1},{"sentences":[{"text":"Oh,","start":7.6,"end":8.1,"sentiment":"neutral","sentiment_score":0.00133424811065197}],"sentiment":"neutral","sentiment_score":0.00133424811065197,"channel":0,"num_words":1,"start":7.6,"end":8.1},{"sentences":[{"text":"him.","start":8.16,"end":8.66,"sentiment":"neutral","sentiment_score":-0.0001402711495757103}],"sentiment":"neutral","sentiment_score":-0.0001402711495757103,"channel":1,"num_words":1,"start":8.16,"end":8.66},{"sentences":[{"text":"no.","start":8.8,"end":9.04,"sentiment":"neutral","sentiment_score":0.015749294310808182},{"text":"That's fine.","start":9.04,"end":9.599999,"sentiment":"neutral","sentiment_score":0.11570839211344719},{"text":"Absolutely.","start":9.599999,"end":10.099999,"sentiment":"positive","sentiment_score":0.3975226879119873},{"text":"We can get","start":10.48,"end":11.04,"sentiment":"neutral","sentiment_score":0.27457645535469055}],"sentiment":"neutral","sentiment_score":0.20977401893053735,"channel":0,"num_words":7,"start":8.8,"end":11.04},{"sentences":[{"text":"Okay.","start":10.96,"end":11.46,"sentiment":"neutral","sentiment_score":0.29304367303848267}],"sentiment":"neutral","sentiment_score":0.29304367303848267,"channel":1,"num_words":1,"start":10.96,"end":11.46},{"sentences":[{"text":"that done.","start":11.04,"end":11.44,"sentiment":"positive","sentiment_score":0.3390786349773407},{"text":"That's one thing less to worry about.","start":11.44,"end":13.219999,"sentiment":"positive","sentiment_score":0.37866079807281494}],"sentiment":"positive","sentiment_score":0.3698647618293762,"channel":0,"num_words":9,"start":11.04,"end":13.219999},{"sentences":[{"text":"Yeah.","start":13.295,"end":13.695001,"sentiment":"positive","sentiment_score":0.38103246688842773},{"text":"Perfect.","start":13.695001,"end":14.095,"sentiment":"positive","sentiment_score":0.6586352586746216},{"text":"I've just passed him through security, and I asked if he had enough time for the call.","start":14.095,"end":17.935001,"sentiment":"neutral","sentiment_score":0.29388491371098685},{"text":"And he said, yep.","start":17.935001,"end":18.655,"sentiment":"neutral","sentiment_score":0.23092491179704666},{"text":"He's","start":18.655,"end":18.895,"sentiment":"neutral","sentiment_score":0.3027961254119873}],"sentiment":"neutral","sentiment_score":0.3025919596354167,"channel":1,"num_words":24,"start":13.295,"end":18.895},{"sentences":[{"text":"Yep.","start":18.724998,"end":19.224998,"sentiment":"neutral","sentiment_score":0.3095875084400177}],"sentiment":"neutral","sentiment_score":0.3095875084400177,"channel":0,"num_words":1,"start":18.724998,"end":19.224998},{"sentences":[{"text":"all good.","start":18.895,"end":19.555,"sentiment":"positive","sentiment_score":0.46729397773742676}],"sentiment":"positive","sentiment_score":0.46729397773742676,"channel":1,"num_words":2,"start":18.895,"end":19.555},{"sentences":[{"text":"Oh, beautiful.","start":20.164999,"end":20.904999,"sentiment":"positive","sentiment_score":0.6572665870189667},{"text":"Fantastic.","start":21.045,"end":21.545,"sentiment":"positive","sentiment_score":0.7941915392875671},{"text":"Thanks, Sam.","start":21.765,"end":22.585,"sentiment":"positive","sentiment_score":0.7146114706993103}],"sentiment":"positive","sentiment_score":0.7075895309448242,"channel":0,"num_words":5,"start":20.164999,"end":22.585},{"sentences":[{"text":"Alright.","start":22.654999,"end":23.055,"sentiment":"positive","sentiment_score":0.34230875968933105},{"text":"Not a problem.","start":23.055,"end":23.615,"sentiment":"neutral","sentiment_score":0.2537136475245158},{"text":"Are you ready?","start":23.615,"end":24.335,"sentiment":"neutral","sentiment_score":0.13563061753908792},{"text":"Have you got the things up?","start":24.335,"end":25.68,"sentiment":"neutral","sentiment_score":0.11921130617459615}],"sentiment":"neutral","sentiment_score":0.1712007224559784,"channel":1,"num_words":13,"start":22.654999,"end":25.68},{"sentences":[{"text":"Yep.","start":25.925,"end":26.244999,"sentiment":"neutral","sentiment_score":0.19240468740463257},{"text":"I've got everything here ready to go.","start":26.244999,"end":28.185,"sentiment":"positive","sentiment_score":0.40294863070760456}],"sentiment":"positive","sentiment_score":0.37663063779473305,"channel":0,"num_words":8,"start":25.925,"end":28.185},{"sentences":[{"text":"Alright.","start":28.24,"end":28.64,"sentiment":"neutral","sentiment_score":0.28558456897735596},{"text":"Perfect.","start":28.64,"end":28.960001,"sentiment":"positive","sentiment_score":0.4073485732078552},{"text":"Well, I'll transfer you I'll transfer Graham through to you in 03/21.","start":28.960001,"end":34.34,"sentiment":"neutral","sentiment_score":0.13418554390470186}],"sentiment":"neutral","sentiment_score":0.16451140493154526,"channel":1,"num_words":14,"start":28.24,"end":34.34},{"sentences":[{"text":"Hi, miss Zena.","start":36.61,"end":37.41,"sentiment":"neutral","sentiment_score":0.1365042825539907},{"text":"How are you this morning?","start":37.41,"end":38.63,"sentiment":"neutral","sentiment_score":0.21150161027908326}],"sentiment":"neutral","sentiment_score":0.18337761238217354,"channel":0,"num_words":8,"start":36.61,"end":38.63},{"sentences":[{"text":"Yeah.","start":39.04,"end":39.28,"sentiment":"neutral","sentiment_score":0.22086621820926663},{"text":"Good.","start":39.28,"end":39.52,"sentiment":"positive","sentiment_score":0.4244098365306854},{"text":"Thanks.","start":39.52,"end":40.02,"sentiment":"positive","sentiment_score":0.5130671262741089}],"sentiment":"positive","sentiment_score":0.38611439367135364,"channel":1,"num_words":3,"start":39.04,"end":40.02},{"sentences":[{"text":"That's good.","start":40.690002,"end":41.41,"sentiment":"positive","sentiment_score":0.5425648987293243},{"text":"I just had you booked in this morning to run through your updated statement of advice.","start":41.41,"end":44.85,"sentiment":"neutral","sentiment_score":0.30356387607753277},{"text":"Is now still a good time there for you?","start":44.85,"end":46.665,"sentiment":"neutral","sentiment_score":0.24522881540987226}],"sentiment":"neutral","sentiment_score":0.30182263531066755,"channel":0,"num_words":27,"start":40.690002,"end":46.665},{"sentences":[{"text":"Yeah.","start":47.155,"end":47.635,"sentiment":"neutral","sentiment_score":0.050220951437950134},{"text":"I'm in town, but, yeah, it's alright.","start":47.635,"end":49.655,"sentiment":"neutral","sentiment_score":0.039001100829669406}],"sentiment":"neutral","sentiment_score":0.0404035821557045,"channel":1,"num_words":8,"start":47.155,"end":49.655},{"sentences":[{"text":"Yeah.","start":50.265,"end":50.505,"sentiment":"neutral","sentiment_score":0.05073799192905426},{"text":"That's okay.","start":50.505,"end":51.065002,"sentiment":"neutral","sentiment_score":0.044066326692700386},{"text":"So you don't have access to your emails at","start":51.065002,"end":52.905,"sentiment":"neutral","sentiment_score":-0.04202654419673814}],"sentiment":"neutral","sentiment_score":-0.019947354371349018,"channel":0,"num_words":12,"start":50.265,"end":52.905},{"sentences":[{"text":"I","start":52.83,"end":53.33,"sentiment":"neutral","sentiment_score":-0.04521888494491577}],"sentiment":"neutral","sentiment_score":-0.04521888494491577,"channel":1,"num_words":1,"start":52.83,"end":53.33},{"sentences":[{"text":"the moment.","start":52.905,"end":53.305,"sentiment":"neutral","sentiment_score":-0.05283438786864281},{"text":"Is that right?","start":53.305,"end":54.285,"sentiment":"neutral","sentiment_score":-0.0015703896060585976}],"sentiment":"neutral","sentiment_score":-0.022075988911092283,"channel":0,"num_words":5,"start":52.905,"end":54.285},{"sentences":[{"text":"I can get on to the email.","start":54.75,"end":56.210003,"sentiment":"neutral","sentiment_score":0.004823085186736924}],"sentiment":"neutral","sentiment_score":0.004823085186736924,"channel":1,"num_words":7,"start":54.75,"end":56.210003},{"sentences":[{"text":"Yeah.","start":56.985,"end":57.305,"sentiment":"neutral","sentiment_score":0.028772009536623955},{"text":"That's okay.","start":57.305,"end":57.945,"sentiment":"neutral","sentiment_score":0.0483411755412817},{"text":"I normally just send the document through to you via email so you can kind of have a look at what I'm going through with you.","start":57.945,"end":63.83,"sentiment":"neutral","sentiment_score":0.0609071681705805},{"text":"But if it's not preferable for you to see your emails, like, if you have to put me on speakerphone, you're not anywhere secure, then I can just run through the advice for you if you like, give you a rundown, and you're welcome to have a bit of a look at it later.","start":64.61,"end":77.80499,"sentiment":"neutral","sentiment_score":0.07096805471788954}],"sentiment":"neutral","sentiment_score":0.06676283961229296,"channel":0,"num_words":83,"start":56.985,"end":77.80499},{"sentences":[{"text":"That sounds good.","start":78.15501,"end":79.215004,"sentiment":"positive","sentiment_score":0.3926515181859334}],"sentiment":"positive","sentiment_score":0.3926515181859334,"channel":1,"num_words":3,"start":78.15501,"end":79.215004},{"sentences":[{"text":"Yeah.","start":79.865,"end":80.265,"sentiment":"neutral","sentiment_score":0.2866894006729126},{"text":"Beautiful.","start":80.265,"end":80.744995,"sentiment":"positive","sentiment_score":0.4394907057285309},{"text":"Well, I'm just gonna take this one through to you.","start":80.744995,"end":82.66499,"sentiment":"neutral","sentiment_score":0.18102534115314484},{"text":"So here's in your email there for when you are able to look at it.","start":82.66499,"end":86.685,"sentiment":"neutral","sentiment_score":0.15519885271787642},{"text":"What I'll do is I'll try I'll try to go through it in as brief as possible so that not to overcomplicate it.","start":87.30499,"end":93.9,"sentiment":"neutral","sentiment_score":0.14606328745898994}],"sentiment":"neutral","sentiment_score":0.16447743840515613,"channel":0,"num_words":50,"start":79.865,"end":93.9},{"sentences":[{"text":"And if you find you do have questions, please let me know.","start":94.84,"end":98.2,"sentiment":"neutral","sentiment_score":0.1246772160132726},{"text":"Okay?","start":98.2,"end":98.7,"sentiment":"neutral","sentiment_score":0.10537190735340118}],"sentiment":"neutral","sentiment_score":0.12319219227020557,"channel":0,"num_words":13,"start":94.84,"end":98.7},{"sentences":[{"text":"Okay.","start":99.255005,"end":99.755005,"sentiment":"neutral","sentiment_score":0.1824546903371811}],"sentiment":"neutral","sentiment_score":0.1824546903371811,"channel":1,"num_words":1,"start":99.255005,"end":99.755005},{"sentences":[{"text":"Excellent.","start":100.76,"end":101.26,"sentiment":"positive","sentiment_score":0.46305763721466064},{"text":"Excellent.","start":101.479996,"end":101.979996,"sentiment":"positive","sentiment_score":0.4500856399536133},{"text":"Oh, good.","start":102.675,"end":103.235,"sentiment":"neutral","sentiment_score":0.17828505486249924},{"text":"So, Graham, this one here is essentially looking at your super.","start":103.235,"end":106.455,"sentiment":"neutral","sentiment_score":0.07023270902308551},{"text":"When you do look at the document there, you will know that it has been prepared for yourself with your lovely name on the very top there and my authorized representative number on the bottom of the document.","start":106.915,"end":115.075,"sentiment":"neutral","sentiment_score":0.1802972978667209}],"sentiment":"neutral","sentiment_score":0.16780321707703033,"channel":0,"num_words":53,"start":100.76,"end":115.075},{"sentences":[{"text":"So I'm a registered financial adviser with ASIC, and my registration number is 1304394.","start":115.075,"end":121.55,"sentiment":"neutral","sentiment_score":0.08437373835061278},{"text":"Okay?","start":121.61,"end":122.11,"sentiment":"neutral","sentiment_score":0.06285370886325836}],"sentiment":"neutral","sentiment_score":0.08293906971812248,"channel":0,"num_words":15,"start":115.075,"end":122.11},{"sentences":[{"text":"Okay.","start":122.915,"end":123.415,"sentiment":"neutral","sentiment_score":0.08487819135189056}],"sentiment":"neutral","sentiment_score":0.08487819135189056,"channel":1,"num_words":1,"start":122.915,"end":123.415},{"sentences":[{"text":"As you ask all into the document, you will note that we have scoped in certain areas for superannuation.","start":124.170006,"end":128.75,"sentiment":"neutral","sentiment_score":0.09771040474113665},{"text":"You're looking forward to hopefully retiring at around the age six seven to 70 depending on how you're feeling and how your health is and how everything goes down the track there.","start":129.21,"end":138.435,"sentiment":"neutral","sentiment_score":0.1240935034584254},{"text":"You","start":138.895,"end":139.13501,"sentiment":"neutral","sentiment_score":0.12884260714054108}],"sentiment":"neutral","sentiment_score":0.11454485399791828,"channel":0,"num_words":52,"start":124.170006,"end":139.13501},{"sentences":[{"text":"Yes.","start":138.92,"end":139.42,"sentiment":"neutral","sentiment_score":0.14097529649734497}],"sentiment":"neutral","sentiment_score":0.14097529649734497,"channel":1,"num_words":1,"start":138.92,"end":139.42},{"sentences":[{"text":"were hoping to, at the time, draw an income in retirement of about $650 per week.","start":139.13501,"end":144.93,"sentiment":"neutral","sentiment_score":0.1385254547931254},{"text":"That could change down the track, and that's absolutely fine.","start":145.40999,"end":147.96999,"sentiment":"neutral","sentiment_score":0.29750029742717743},{"text":"This is what we're working on at the moment for your goal.","start":147.96999,"end":150.68999,"sentiment":"neutral","sentiment_score":0.2812529355287552},{"text":"Okay?","start":150.68999,"end":151.18999,"sentiment":"neutral","sentiment_score":0.1053641214966774}],"sentiment":"neutral","sentiment_score":0.22235409227701333,"channel":0,"num_words":39,"start":139.13501,"end":151.18999},{"sentences":[{"text":"Okay.","start":151.935,"end":152.435,"sentiment":"neutral","sentiment_score":0.08869656920433044}],"sentiment":"neutral","sentiment_score":0.08869656920433044,"channel":1,"num_words":1,"start":151.935,"end":152.435},{"sentences":[{"text":"We've got the new state planning side of things as well for you.","start":153.17,"end":156.04999,"sentiment":"neutral","sentiment_score":0.09985122313866249},{"text":"So you don't have a will or power of attorney, and because we are looking at the t t the transfer time strategies as well, we do need to make sure a beneficiary is also applied to the account.","start":156.04999,"end":166.315,"sentiment":"neutral","sentiment_score":0.035834821132131114}],"sentiment":"neutral","sentiment_score":0.051838921633763954,"channel":0,"num_words":52,"start":153.17,"end":166.315},{"sentences":[{"text":"Okay.","start":167.28,"end":167.78,"sentiment":"neutral","sentiment_score":0.06083430349826813}],"sentiment":"neutral","sentiment_score":0.06083430349826813,"channel":1,"num_words":1,"start":167.28,"end":167.78},{"sentences":[{"text":"I've looked at projecting forward to retirement.","start":167.975,"end":170.55501,"sentiment":"neutral","sentiment_score":0.08349649075950895},{"text":"So because you are getting closer retirement years, you are hoping to retire at around at the age 67 to 70 depending on how things go down the track there.","start":170.615,"end":179.0,"sentiment":"neutral","sentiment_score":0.06653273093203703},{"text":"I have done a little bit of projecting forward looking at the possibility of Social Security retirement planning to a limited scope just to give you an idea of longevity based on your current goals.","start":179.06,"end":190.645,"sentiment":"neutral","sentiment_score":0.11362096018024853},{"text":"Okay?","start":190.94499,"end":191.44499,"sentiment":"neutral","sentiment_score":0.03618185967206955}],"sentiment":"neutral","sentiment_score":0.09032017574326633,"channel":0,"num_words":73,"start":167.975,"end":191.44499},{"sentences":[{"text":"Yeah.","start":192.42001,"end":192.74,"sentiment":"neutral","sentiment_score":0.020346108824014664},{"text":"Yeah.","start":192.74,"end":193.24,"sentiment":"neutral","sentiment_score":0.010325947776436806}],"sentiment":"neutral","sentiment_score":0.015336028300225735,"channel":1,"num_words":2,"start":192.42001,"end":193.24},{"sentences":[{"text":"In areas that we're not looking at any additional advice today, we're not looking at areas of insurance.","start":193.185,"end":198.065,"sentiment":"neutral","sentiment_score":-0.08814451429578993},{"text":"If you don't have any insurance, if you are happy not to have any, super is your main focus at the moment working towards your retirement goals.","start":198.065,"end":204.62,"sentiment":"neutral","sentiment_score":-0.06832306390559231},{"text":"And, also, you wanted to pay your mortgage down as quickly as possible, but we're not providing any additional advice on that currently.","start":204.92,"end":211.58,"sentiment":"neutral","sentiment_score":-0.0956222414970398},{"text":"If you did want additional advice down the track or wanted to speak to a mortgage broker, please let us know.","start":211.8,"end":216.81499,"sentiment":"neutral","sentiment_score":-0.028064620902850515},{"text":"We can certainly assist you in that area.","start":216.81499,"end":218.83499,"sentiment":"neutral","sentiment_score":0.1698832307010889}],"sentiment":"neutral","sentiment_score":-0.050112646706786355,"channel":0,"num_words":97,"start":193.185,"end":218.83499},{"sentences":[{"text":"Okay?","start":219.055,"end":219.555,"sentiment":"neutral","sentiment_score":0.04067790508270264}],"sentiment":"neutral","sentiment_score":0.04067790508270264,"channel":0,"num_words":1,"start":219.055,"end":219.555},{"sentences":[{"text":"No.","start":219.06,"end":219.45999,"sentiment":"neutral","sentiment_score":-0.09684034436941148},{"text":"I'll go I'll go back under control.","start":219.45999,"end":221.15999,"sentiment":"neutral","sentiment_score":-0.014710075088909693}],"sentiment":"neutral","sentiment_score":-0.024976358748972416,"channel":1,"num_words":8,"start":219.06,"end":221.15999},{"sentences":[{"text":"You got that sorted.","start":221.775,"end":222.89499,"sentiment":"neutral","sentiment_score":0.20625292882323265},{"text":"Fantastic.","start":222.89499,"end":223.39499,"sentiment":"positive","sentiment_score":0.6234311461448669},{"text":"Excellent.","start":223.855,"end":224.355,"sentiment":"neutral","sentiment_score":0.18427510559558868},{"text":"In the device document, we do have all your assets and liabilities noted as per our last conversation.","start":225.215,"end":230.64,"sentiment":"neutral","sentiment_score":0.039075968166192375},{"text":"If there are any changes that you wanted to have updated when you look at the document, please let us know.","start":230.64,"end":235.28,"sentiment":"neutral","sentiment_score":0.02335561882881891}],"sentiment":"neutral","sentiment_score":0.06281229754288992,"channel":0,"num_words":45,"start":221.775,"end":235.28},{"sentences":[{"text":"Okay?","start":235.28,"end":235.78,"sentiment":"neutral","sentiment_score":0.03318343311548233}],"sentiment":"neutral","sentiment_score":0.03318343311548233,"channel":0,"num_words":1,"start":235.28,"end":235.78},{"sentences":[{"text":"No worries.","start":236.205,"end":236.94499,"sentiment":"neutral","sentiment_score":0.10587765276432037}],"sentiment":"neutral","sentiment_score":0.10587765276432037,"channel":1,"num_words":2,"start":236.205,"end":236.94499},{"sentences":[{"text":"To kind of run you through the recommendations, I have gone back and had a really good look at your super.","start":237.2,"end":242.18,"sentiment":"neutral","sentiment_score":0.3080141824625787},{"text":"Your super has well, has been growing quite steadily this year.","start":242.505,"end":245.625,"sentiment":"positive","sentiment_score":0.5278501510620117},{"text":"We have seen quite a bit of volatility in the market, and that means that there has been some underperforming investments that we wanted to look at removing for you.","start":245.625,"end":253.165,"sentiment":"neutral","sentiment_score":-0.3224569251139959},{"text":"The Benel Long Australian Equities is a good example of that one.","start":253.465,"end":256.585,"sentiment":"neutral","sentiment_score":-0.15677870313326517},{"text":"That investment hasn't seen exactly what it was supposed to see.","start":256.585,"end":260.05002,"sentiment":"negative","sentiment_score":-0.37383654713630676}],"sentiment":"neutral","sentiment_score":-0.039912996660260595,"channel":0,"num_words":85,"start":237.2,"end":260.05002},{"sentences":[{"text":"That investment has been underperforming, so we are looking to remove that investment.","start":260.27002,"end":264.29,"sentiment":"negative","sentiment_score":-0.49440237879753113},{"text":"We're also looking to make some changes to your portfolio.","start":264.59,"end":267.09,"sentiment":"neutral","sentiment_score":-0.09987145364284515},{"text":"So you'll see when you look at the document, there are gonna be some buyers and sales.","start":267.31,"end":271.55002,"sentiment":"neutral","sentiment_score":0.005366190062726245},{"text":"Essentially, the portfolio you're in currently has seen when we look at the five year rolling average about 6.06% return average over the last five years there.","start":271.55002,"end":282.785,"sentiment":"neutral","sentiment_score":0.01268476316774333},{"text":"What we wanna do is move you out of that portfolio and into something a little bit better that has shown a greater past return, which hopefully is down the track and provides you with a greater level of return.","start":282.785,"end":292.72998,"sentiment":"neutral","sentiment_score":0.1316769652068615}],"sentiment":"neutral","sentiment_score":-0.01612292538249047,"channel":0,"num_words":107,"start":260.27002,"end":292.72998},{"sentences":[{"text":"One of the big changes that we are making is removing that ban along Australian equities and putting you into the Australian 200.","start":293.19,"end":299.66998,"sentiment":"neutral","sentiment_score":0.12087034336898637},{"text":"So this is the BetaShares a 200 investment.","start":299.66998,"end":302.81,"sentiment":"neutral","sentiment_score":0.3307659439742565},{"text":"It actually gives you more diversification, and that investment is actually cheaper than BetterLoan as a whole.","start":303.52502,"end":309.46503,"sentiment":"positive","sentiment_score":0.4631033171625698},{"text":"And when you look at the difference where by making the switch of these investments for you, we can actually save you about $1,295 on a yearly basis on investment fees.","start":309.605,"end":320.03,"sentiment":"positive","sentiment_score":0.3757421287798112},{"text":"So it's gonna be cheaper for you.","start":320.09,"end":321.84998,"sentiment":"positive","sentiment_score":0.42022168210574556}],"sentiment":"neutral","sentiment_score":0.3242844140460325,"channel":0,"num_words":86,"start":293.19,"end":321.84998},{"sentences":[{"text":"Does that make sense?","start":321.84998,"end":322.90997,"sentiment":"neutral","sentiment_score":0.1862969733774662}],"sentiment":"neutral","sentiment_score":0.1862969733774662,"channel":0,"num_words":4,"start":321.84998,"end":322.90997},{"sentences":[{"text":"Yeah.","start":323.135,"end":323.295,"sentiment":"neutral","sentiment_score":0.1415618062019348},{"text":"That makes sense.","start":323.295,"end":324.33502,"sentiment":"neutral","sentiment_score":0.16081458826859793},{"text":"But it might it's cheaper to have it, but but how much more overall compared to other than that?","start":324.33502,"end":330.11502,"sentiment":"neutral","sentiment_score":0.019477119767352155}],"sentiment":"neutral","sentiment_score":0.04322047159075737,"channel":1,"num_words":23,"start":323.135,"end":330.11502},{"sentences":[{"text":"The return?","start":332.105,"end":332.765,"sentiment":"neutral","sentiment_score":0.026274027302861214},{"text":"So the return","start":332.825,"end":333.625,"sentiment":"neutral","sentiment_score":0.05785558124383291}],"sentiment":"neutral","sentiment_score":0.04522295966744423,"channel":0,"num_words":5,"start":332.105,"end":333.625},{"sentences":[{"text":"Yeah.","start":333.295,"end":333.795,"sentiment":"neutral","sentiment_score":0.10827763378620148}],"sentiment":"neutral","sentiment_score":0.10827763378620148,"channel":1,"num_words":1,"start":333.295,"end":333.795},{"sentences":[{"text":"on the newer portfolio has averaged 11.13% over the past five years.","start":333.625,"end":338.285,"sentiment":"neutral","sentiment_score":0.1690893303602934}],"sentiment":"neutral","sentiment_score":0.1690893303602934,"channel":0,"num_words":12,"start":333.625,"end":338.285},{"sentences":[{"text":"Yep.","start":338.8,"end":339.04,"sentiment":"neutral","sentiment_score":0.14149799942970276},{"text":"Okay.","start":339.04,"end":339.54,"sentiment":"neutral","sentiment_score":0.14064306020736694},{"text":"Yep.","start":339.6,"end":340.1,"sentiment":"neutral","sentiment_score":0.16479456424713135}],"sentiment":"neutral","sentiment_score":0.14897854129473367,"channel":1,"num_words":3,"start":338.8,"end":340.1},{"sentences":[{"text":"Yeah.","start":340.425,"end":340.905,"sentiment":"neutral","sentiment_score":0.24955737590789795},{"text":"So this portfolio is cheaper.","start":340.905,"end":342.765,"sentiment":"positive","sentiment_score":0.3734547793865204},{"text":"It has shown a greater past performance.","start":342.825,"end":345.405,"sentiment":"positive","sentiment_score":0.35509564142142025},{"text":"Admittedly, it's important to note that the projections and past performance are not guaranteed in any way, shape, or form.","start":346.01,"end":351.77,"sentiment":"neutral","sentiment_score":-0.10512360110878945},{"text":"This is what the portfolios have shown in the past, which shows you essentially what they can make in the future if they saw the same market conditions.","start":351.77,"end":359.47,"sentiment":"neutral","sentiment_score":0.06597979286951679}],"sentiment":"neutral","sentiment_score":0.07126988427805118,"channel":0,"num_words":61,"start":340.425,"end":359.47},{"sentences":[{"text":"But we do know","start":359.88498,"end":360.525,"sentiment":"neutral","sentiment_score":-0.027972391806542873}],"sentiment":"neutral","sentiment_score":-0.027972391806542873,"channel":0,"num_words":4,"start":359.88498,"end":360.525},{"sentences":[{"text":"Okay.","start":360.33002,"end":360.83002,"sentiment":"neutral","sentiment_score":-0.022180795669555664}],"sentiment":"neutral","sentiment_score":-0.022180795669555664,"channel":1,"num_words":1,"start":360.33002,"end":360.83002},{"sentences":[{"text":"that markets will go up, markets will go down.","start":360.525,"end":362.925,"sentiment":"neutral","sentiment_score":-0.13918070743481317},{"text":"This year alone, we have seen some very heavy volatility with what's been happening with The US and the Iran war.","start":362.925,"end":369.005,"sentiment":"neutral","sentiment_score":-0.2725586781189555},{"text":"So we know that markets will go up, markets will go down.","start":369.005,"end":371.485,"sentiment":"neutral","sentiment_score":-0.18088049193223318},{"text":"You're not guaranteed 11% every year over the next five to ten years.","start":371.485,"end":375.51,"sentiment":"neutral","sentiment_score":-0.15515959377472216},{"text":"However, with the production moving forward, the saving fees, it does essentially show that you could end up in a much greater position if if this portfolio was able to make that 11% return every year moving forward.","start":375.51,"end":387.93,"sentiment":"positive","sentiment_score":0.41469224248277514}],"sentiment":"neutral","sentiment_score":0.0494011396201708,"channel":0,"num_words":93,"start":360.525,"end":387.93},{"sentences":[{"text":"Okay?","start":387.99,"end":388.49,"sentiment":"positive","sentiment_score":0.4417049288749695}],"sentiment":"positive","sentiment_score":0.4417049288749695,"channel":0,"num_words":1,"start":387.99,"end":388.49},{"sentences":[{"text":"That sounds good.","start":388.93,"end":389.99,"sentiment":"positive","sentiment_score":0.7702034115791321}],"sentiment":"positive","sentiment_score":0.7702034115791321,"channel":1,"num_words":3,"start":388.93,"end":389.99},{"sentences":[{"text":"Perfect.","start":390.665,"end":391.165,"sentiment":"positive","sentiment_score":0.7026345729827881},{"text":"Now it's also important to note that we do have capital gains consequences.","start":391.385,"end":394.685,"sentiment":"neutral","sentiment_score":0.09712517433441602},{"text":"So your super fund, just like you every year, does do a tax return.","start":394.825,"end":398.605,"sentiment":"neutral","sentiment_score":0.25060719145195826},{"text":"So in order to make the switch in the investments, we're buying and selling in the most cost effective way.","start":398.825,"end":403.885,"sentiment":"neutral","sentiment_score":0.24238564521074296},{"text":"But your super fund will account for a capital gains consequence of about $651.","start":404.13,"end":410.31003,"sentiment":"neutral","sentiment_score":0.23523755903754914}],"sentiment":"neutral","sentiment_score":0.21959356855480902,"channel":0,"num_words":62,"start":390.665,"end":410.31003},{"sentences":[{"text":"Essentially, you don't have to pay any of that.","start":410.77002,"end":412.45,"sentiment":"neutral","sentiment_score":0.14556852479775748},{"text":"That's all held and dealt with by your super fund.","start":412.45,"end":415.03003,"sentiment":"neutral","sentiment_score":0.18479123711585999},{"text":"But it just means that after we complete the switch of the investments, there is a CGT consequence for your super, and this super fund will pay that.","start":415.25,"end":422.795,"sentiment":"neutral","sentiment_score":0.24729532269494875},{"text":"We minimize it as much as possible to about $651, but it's a small cost considering the investment switch saves $1,200 in investment fees.","start":422.935,"end":433.89502,"sentiment":"neutral","sentiment_score":0.3319481735428174},{"text":"So, overall, you're gonna be saving more money, and the this portfolio has seen a greater past performance.","start":433.89502,"end":439.75,"sentiment":"positive","sentiment_score":0.7171525524722205}],"sentiment":"positive","sentiment_score":0.34784045212724235,"channel":0,"num_words":89,"start":410.77002,"end":439.75},{"sentences":[{"text":"So it can definitely, down the track, provide you with a greater level of return.","start":440.05,"end":443.91,"sentiment":"positive","sentiment_score":0.6527231454849243},{"text":"Okay?","start":444.05,"end":444.55,"sentiment":"neutral","sentiment_score":0.28409260511398315}],"sentiment":"positive","sentiment_score":0.6296837367117405,"channel":0,"num_words":16,"start":440.05,"end":444.55},{"sentences":[{"text":"Yeah.","start":445.04,"end":445.36002,"sentiment":"neutral","sentiment_score":0.27566349506378174},{"text":"Well, if if you make the money, you don't mind paying the tax.","start":445.36002,"end":448.48,"sentiment":"neutral","sentiment_score":0.12467753228086692},{"text":"You know what I mean?","start":448.48,"end":449.54,"sentiment":"neutral","sentiment_score":0.08322770595550537}],"sentiment":"neutral","sentiment_score":0.12171631286803045,"channel":1,"num_words":19,"start":445.04,"end":449.54},{"sentences":[{"text":"That's exact that's exactly right.","start":449.345,"end":451.425,"sentiment":"positive","sentiment_score":0.4001488149166107},{"text":"That's exactly right.","start":451.425,"end":452.725,"sentiment":"positive","sentiment_score":0.48802324136098224},{"text":"I have, as we mentioned, done some projecting forward.","start":453.185,"end":455.905,"sentiment":"neutral","sentiment_score":0.21941445571266943},{"text":"Given your current circumstances, after all the advice has been put into play, we can see you being able to draw that $650 on a weekly basis down from super to be able to support your income needs.","start":455.905,"end":468.50998,"sentiment":"positive","sentiment_score":0.4195296891817921},{"text":"The projection we do is more conservative when we're looking at the retirement because you're in a growth portfolio now.","start":469.13,"end":475.21,"sentiment":"neutral","sentiment_score":0.0424566444940865}],"sentiment":"neutral","sentiment_score":0.2964107330515981,"channel":0,"num_words":75,"start":449.345,"end":475.21},{"sentences":[{"text":"You're wanting to take more risk now to obtain a greater potential return.","start":475.21,"end":479.375,"sentiment":"neutral","sentiment_score":-0.050823910878254816},{"text":"However, as you get closer to accessing super and in those retirement years, you're not gonna wanna be in the same level of risk.","start":479.755,"end":485.995,"sentiment":"neutral","sentiment_score":-0.3183549114813407},{"text":"We don't want you to be taking","start":485.995,"end":487.535,"sentiment":"negative","sentiment_score":-0.38618304474013193}],"sentiment":"neutral","sentiment_score":-0.25010250068523665,"channel":0,"num_words":44,"start":475.21,"end":487.535},{"sentences":[{"text":"No.","start":487.905,"end":488.145,"sentiment":"negative","sentiment_score":-0.37503695487976074}],"sentiment":"negative","sentiment_score":-0.37503695487976074,"channel":1,"num_words":1,"start":487.905,"end":488.145},{"sentences":[{"text":"more","start":488.075,"end":488.39502,"sentiment":"negative","sentiment_score":-0.3785560727119446}],"sentiment":"negative","sentiment_score":-0.3785560727119446,"channel":0,"num_words":1,"start":488.075,"end":488.39502},{"sentences":[{"text":"That's correct.","start":488.145,"end":488.88498,"sentiment":"neutral","sentiment_score":-0.17462628334760666}],"sentiment":"neutral","sentiment_score":-0.17462628334760666,"channel":1,"num_words":2,"start":488.145,"end":488.88498},{"sentences":[{"text":"risk.","start":488.39502,"end":488.89502,"sentiment":"neutral","sentiment_score":-0.15940304100513458}],"sentiment":"neutral","sentiment_score":-0.15940304100513458,"channel":0,"num_words":1,"start":488.39502,"end":488.89502},{"sentences":[{"text":"Yeah.","start":489.185,"end":489.685,"sentiment":"neutral","sentiment_score":0.00940021499991417}],"sentiment":"neutral","sentiment_score":0.00940021499991417,"channel":1,"num_words":1,"start":489.185,"end":489.685},{"sentences":[{"text":"Yeah.","start":489.69998,"end":490.02,"sentiment":"neutral","sentiment_score":0.08810542523860931},{"text":"So we do have a much more conservative projected return here, but, essentially, it does show that given your current circumstances, you should be eligible for the for some age pension there as well to offset some of your super.","start":490.02,"end":502.52,"sentiment":"positive","sentiment_score":0.37812814526259897},{"text":"And between the two, we can see you meeting your goal, drawing that $650 per week down, and being able to sustain super as well as some age pension until around about age 90 at the moment, and we wanna make sure that we're reviewing this strategy every year so we can continue to update and hopefully build on that for you.","start":502.655,"end":522.64996,"sentiment":"positive","sentiment_score":0.46136354943436964},{"text":"Okay?","start":522.64996,"end":523.14996,"sentiment":"neutral","sentiment_score":0.10027270764112473}],"sentiment":"positive","sentiment_score":0.42228888469533277,"channel":0,"num_words":104,"start":489.69998,"end":523.14996},{"sentences":[{"text":"Yep.","start":523.085,"end":523.585,"sentiment":"neutral","sentiment_score":0.1779348850250244},{"text":"Okay.","start":523.645,"end":524.145,"sentiment":"neutral","sentiment_score":0.30071699619293213}],"sentiment":"neutral","sentiment_score":0.23932594060897827,"channel":1,"num_words":2,"start":523.085,"end":524.145},{"sentences":[{"text":"Beautiful.","start":524.33,"end":524.83,"sentiment":"positive","sentiment_score":0.5269678831100464},{"text":"Now the other thing which is a little bit more confusing, I'll try to make it as simple as possible, is that transit your time sort of strategy we talked about.","start":525.45,"end":532.97,"sentiment":"neutral","sentiment_score":0.004448234313918698},{"text":"So because you're 60, there are ways that you can provide a much greater boost to your super by increasing your contributions in.","start":532.97,"end":540.815,"sentiment":"neutral","sentiment_score":0.2300523824017981},{"text":"However, by increasing contributions in the super, it does affect your take home pay.","start":541.035,"end":546.735,"sentiment":"neutral","sentiment_score":-0.015959526811327254},{"text":"So because you're 60, we're able to implement this transition to retirement strategy where we can actually increase your contributions in the super.","start":547.11,"end":555.21,"sentiment":"neutral","sentiment_score":0.2458224426145139}],"sentiment":"neutral","sentiment_score":0.12376685594411,"channel":0,"num_words":92,"start":524.33,"end":555.21},{"sentences":[{"text":"We used your most recent payslip you provided to project out your salary.","start":555.35,"end":559.21,"sentiment":"neutral","sentiment_score":0.16157621374497047},{"text":"We're not planning to start this this financial year, sir, because we are very close to June.","start":559.52496,"end":563.925,"sentiment":"neutral","sentiment_score":-0.22092328264432795},{"text":"We're looking to start this as of the July 1.","start":563.925,"end":566.745,"sentiment":"neutral","sentiment_score":-0.040562084317207335},{"text":"Essentially, how this will work for you, Graham, is we will keep keep about a 156,000 in your super accumulation account.","start":567.285,"end":576.93,"sentiment":"neutral","sentiment_score":0.1538825620497976},{"text":"We will move a 160,000 into a secondary it's called a transition retirement pension account, so you'll have two super 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strategy, because salary sacrifice reduces your take home pay, I will always make my team open the pension account first.","start":836.475,"end":844.14,"sentiment":"neutral","sentiment_score":0.2772247940301895},{"text":"We then work out your first drawdown.","start":844.36005,"end":846.94,"sentiment":"neutral","sentiment_score":0.18942481917994364},{"text":"Make sure your drawdown happens out of the pension account and then get your salary sacrifice into play.","start":847.24005,"end":852.86005,"sentiment":"neutral","sentiment_score":0.15407305997278956},{"text":"That way, the first amount comes down to your bank account, and then you start salary sacrificing so that it doesn't negatively impact you.","start":853.08,"end":861.455,"sentiment":"neutral","sentiment_score":0.157927461899817},{"text":"Does that make 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out.","start":869.295,"end":873.21,"sentiment":"neutral","sentiment_score":0.166754808028539},{"text":"But this strategy actually keeps your take home pay a little bit higher than what it is currently, and we've got a backup.","start":873.61005,"end":879.69,"sentiment":"positive","sentiment_score":0.4074651767378268},{"text":"So if if you earn a little bit more, if your you know, you guys do really great and your co bonus is really high for next year, we have that touch of contribution space to allow.","start":879.69,"end":888.83,"sentiment":"positive","sentiment_score":0.48254848654205734}],"sentiment":"positive","sentiment_score":0.34026384654671255,"channel":0,"num_words":99,"start":864.09503,"end":888.83},{"sentences":[{"text":"This strategy does need to be reviewed every year so that we can replenish and alter and change it, especially then as your income tends to go up on a, you know, a yearly basis, which is a fantastic benefit.","start":889.45496,"end":900.995,"sentiment":"positive","sentiment_score":0.37659909315407275}],"sentiment":"positive","sentiment_score":0.37659909315407275,"channel":0,"num_words":40,"start":889.45496,"end":900.995},{"sentences":[{"text":"Yep.","start":901.81,"end":902.31,"sentiment":"positive","sentiment_score":0.34893736243247986}],"sentiment":"positive","sentiment_score":0.34893736243247986,"channel":1,"num_words":1,"start":901.81,"end":902.31},{"sentences":[{"text":"And it's just about making sure we're putting as much as we can into super and building on super for your 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that.","start":911.78,"end":919.615,"sentiment":"neutral","sentiment_score":0.2805708791129291},{"text":"And then we've also got a recommendation in here that you do speak to the solicitor that have a will and power of attorney set up.","start":920.315,"end":926.575,"sentiment":"neutral","sentiment_score":0.19014657890567413},{"text":"We have beneficiary nominations in place for your super, but it's also about protecting all of your other assets outside of super, your house, your cars, your savings account, things like that.","start":926.635,"end":935.8,"sentiment":"neutral","sentiment_score":0.21660944260656834}],"sentiment":"neutral","sentiment_score":0.2352905205481655,"channel":0,"num_words":91,"start":910.34,"end":935.8},{"sentences":[{"text":"Mhmm.","start":936.16504,"end":936.66504,"sentiment":"neutral","sentiment_score":0.010715283453464508}],"sentiment":"neutral","sentiment_score":0.010715283453464508,"channel":1,"num_words":1,"start":936.16504,"end":936.66504},{"sentences":[{"text":"There's not always there's not always a set process.","start":936.18,"end":939.14,"sentiment":"neutral","sentiment_score":-0.02775376621219847},{"text":"And if you did pass away and you did not have a will in place, regardless of your circumstances, even though you are married, essentially, there's no guarantee that everything goes directly to your wife.","start":939.14,"end":951.115,"sentiment":"neutral","sentiment_score":-0.19301024377346038},{"text":"I have seen in certain circumstances where because if you die in probate, people can come forward and make a claim, and it's up to a judge to make a decision.","start":951.115,"end":960.52997,"sentiment":"neutral","sentiment_score":-0.12412005278371996},{"text":"And a judge follows the legislation, but if they see any sort of claim that they think is valid, they can definitely pass money or assets to another party in which you do not want to have that money or the assets.","start":961.31,"end":975.40497,"sentiment":"neutral","sentiment_score":-0.13136015761466252},{"text":"So it is really important to have a will and the power of attorney set up to protect everything else that you've worked hard for and making sure that your family know that you have beneficiaries on file, that you do have a will, and where those things are located in the event that something happens.","start":975.40497,"end":990.225,"sentiment":"neutral","sentiment_score":0.18208935989865235}],"sentiment":"neutral","sentiment_score":-0.03568200306223996,"channel":0,"num_words":173,"start":936.18,"end":990.225},{"sentences":[{"text":"Okay?","start":990.51,"end":991.01,"sentiment":"neutral","sentiment_score":0.07984867691993713}],"sentiment":"neutral","sentiment_score":0.07984867691993713,"channel":0,"num_words":1,"start":990.51,"end":991.01},{"sentences":[{"text":"Yep.","start":990.885,"end":991.045,"sentiment":"neutral","sentiment_score":0.0940152108669281},{"text":"Yep.","start":991.045,"end":991.365,"sentiment":"neutral","sentiment_score":0.1224554404616356},{"text":"That's fair enough.","start":991.365,"end":992.345,"sentiment":"neutral","sentiment_score":0.18860801060994467}],"sentiment":"neutral","sentiment_score":0.15645893663167953,"channel":1,"num_words":5,"start":990.885,"end":992.345},{"sentences":[{"text":"Yeah.","start":992.83,"end":993.23004,"sentiment":"positive","sentiment_score":0.3759027123451233},{"text":"Beautiful.","start":993.23004,"end":993.73004,"sentiment":"positive","sentiment_score":0.6793174743652344},{"text":"Look.","start":994.11005,"end":994.35004,"sentiment":"positive","sentiment_score":0.516280472278595},{"text":"I wanted to kind of make this as easy and as brief as possible because you're not looking at the document.","start":994.35004,"end":999.15,"sentiment":"positive","sentiment_score":0.36391035680259975},{"text":"Don't wanna over confuse it or overcomplicate the advice at all.","start":999.15,"end":1002.885,"sentiment":"neutral","sentiment_score":-0.056847876445813614}],"sentiment":"neutral","sentiment_score":0.2453797574554171,"channel":0,"num_words":35,"start":992.83,"end":1002.885},{"sentences":[{"text":"I will let you go back to have a really good read of the advice.","start":1003.365,"end":1006.265,"sentiment":"positive","sentiment_score":0.3435874104499817},{"text":"I've got the best interest you need, the advantages, disadvantages, any risks involved, and any alternative strategies we've considered as well.","start":1006.325,"end":1013.625,"sentiment":"neutral","sentiment_score":0.32781422563961576},{"text":"We've outlined all the math in there for you to have a bit of a look at and all the fees as well so you can sort of see the difference and what the costing looks like.","start":1013.765,"end":1022.16,"sentiment":"neutral","sentiment_score":0.28010732338235184},{"text":"Did you have any questions at the moment?","start":1023.1,"end":1025.36,"sentiment":"neutral","sentiment_score":0.06326975487172604}],"sentiment":"neutral","sentiment_score":0.2828152950531171,"channel":0,"num_words":81,"start":1003.365,"end":1025.36},{"sentences":[{"text":"No.","start":1026.235,"end":1026.635,"sentiment":"neutral","sentiment_score":-0.14189493656158447},{"text":"No.","start":1026.635,"end":1027.115,"sentiment":"neutral","sentiment_score":-0.17752575874328613},{"text":"No.","start":1027.115,"end":1027.515,"sentiment":"neutral","sentiment_score":-0.224765807390213},{"text":"I I don't at the moment, but I reckon that when it comes up to the financial year, I'll probably wanna have another quick little chat.","start":1027.515,"end":1034.52,"sentiment":"neutral","sentiment_score":-0.22800532843057925}],"sentiment":"neutral","sentiment_score":-0.22318362213414292,"channel":1,"num_words":29,"start":1026.235,"end":1034.52},{"sentences":[{"text":"Yeah.","start":1034.5549,"end":1034.955,"sentiment":"neutral","sentiment_score":-0.013154413551092148},{"text":"Yeah.","start":1034.955,"end":1035.4349,"sentiment":"neutral","sentiment_score":0.02829248458147049},{"text":"Absolutely.","start":1035.4349,"end":1035.9349,"sentiment":"neutral","sentiment_score":0.14163027703762054},{"text":"Absolutely.","start":1036.5549,"end":1037.0549,"sentiment":"neutral","sentiment_score":0.11808285862207411}],"sentiment":"neutral","sentiment_score":0.06871280167251825,"channel":0,"num_words":4,"start":1034.5549,"end":1037.0549},{"sentences":[{"text":"The the when I get into starting to do the salary sacrifice on 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tomorrow.","start":1046.61,"end":1050.63,"sentiment":"neutral","sentiment_score":0.16523036058060825},{"text":"I","start":1051.4099,"end":1051.65,"sentiment":"neutral","sentiment_score":-0.05817182362079621}],"sentiment":"neutral","sentiment_score":0.19223274602680593,"channel":0,"num_words":37,"start":1041.65,"end":1051.65},{"sentences":[{"text":"Yep.","start":1051.495,"end":1051.995,"sentiment":"neutral","sentiment_score":-0.09221550822257996}],"sentiment":"neutral","sentiment_score":-0.09221550822257996,"channel":1,"num_words":1,"start":1051.495,"end":1051.995},{"sentences":[{"text":"am away tomorrow, and I'm away Monday, 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follow-up","start":1062.265,"end":1065.805,"sentiment":"neutral","sentiment_score":0.20903213487731087}],"sentiment":"neutral","sentiment_score":0.19540329784154892,"channel":0,"num_words":50,"start":1055.4651,"end":1065.805},{"sentences":[{"text":"Yep.","start":1066.38,"end":1066.88,"sentiment":"neutral","sentiment_score":0.16831859946250916}],"sentiment":"neutral","sentiment_score":0.16831859946250916,"channel":1,"num_words":1,"start":1066.38,"end":1066.88},{"sentences":[{"text":"so you can ask any questions that you have, and we can kind of just revisit that advice.","start":1066.425,"end":1070.685,"sentiment":"neutral","sentiment_score":0.22070027722252739},{"text":"Essentially, we wanted to do the investment switch now because we need to get those investments 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the growth.","start":1116.165,"end":1131.2101,"sentiment":"neutral","sentiment_score":0.11100062060480316}],"sentiment":"neutral","sentiment_score":0.10664477502858197,"channel":0,"num_words":54,"start":1113.685,"end":1131.2101},{"sentences":[{"text":"Yes.","start":1130.87,"end":1131.37,"sentiment":"neutral","sentiment_score":0.09309276938438416}],"sentiment":"neutral","sentiment_score":0.09309276938438416,"channel":1,"num_words":1,"start":1130.87,"end":1131.37},{"sentences":[{"text":"And it is it is a much smaller amount, and a lot of that is because of a, Van Alon hasn't been performing very well for you and also what's happening globally at the moment.","start":1131.2101,"end":1140.67,"sentiment":"neutral","sentiment_score":0.07783543169498444},{"text":"But it's good to take this opportunity to use then along while it is down to offset any additional gains.","start":1141.115,"end":1147.755,"sentiment":"neutral","sentiment_score":0.2943481713533401},{"text":"We'll rebalance your portfolio and make some changes to it, and then sort of monitor it moving forward and make sure it is sort of growing a bit more for you.","start":1147.755,"end":1157.0,"sentiment":"neutral","sentiment_score":0.2803094271690615},{"text":"Okay?","start":1157.0599,"end":1157.5599,"sentiment":"neutral","sentiment_score":0.10267657786607742}],"sentiment":"neutral","sentiment_score":0.20003991214365796,"channel":0,"num_words":87,"start":1131.2101,"end":1157.5599},{"sentences":[{"text":"Okay.","start":1158.11,"end":1158.61,"sentiment":"neutral","sentiment_score":0.13021966814994812},{"text":"Yeah.","start":1158.67,"end":1159.17,"sentiment":"neutral","sentiment_score":0.22279082238674164}],"sentiment":"neutral","sentiment_score":0.17650524526834488,"channel":1,"num_words":2,"start":1158.11,"end":1159.17},{"sentences":[{"text":"All good.","start":1160.02,"end":1160.58,"sentiment":"positive","sentiment_score":0.46745550632476807},{"text":"I will let you go.","start":1160.9,"end":1161.78,"sentiment":"neutral","sentiment_score":0.3066756069660187},{"text":"I don't wanna overcomplicate it too much today for you, but, I've emailed it through to you.","start":1161.78,"end":1166.115,"sentiment":"neutral","sentiment_score":0.20366732469376395},{"text":"A really good look at the document.","start":1166.195,"end":1167.475,"sentiment":"positive","sentiment_score":0.5835783162287304},{"text":"If you're happy to take the recommendations on board and don't have any questions, let me just sign and return it back.","start":1167.475,"end":1173.015,"sentiment":"positive","sentiment_score":0.4098752662539482}],"sentiment":"positive","sentiment_score":0.3591120309143696,"channel":0,"num_words":53,"start":1160.02,"end":1173.015},{"sentences":[{"text":"If you do have any additional questions, let me know, and I'll make sure my team follow-up probably next week or the week after just to sort of book in a time to see if you do have anything that's said that you wanna discuss or any any questions you have in relation to that advice document.","start":1173.395,"end":1186.94,"sentiment":"neutral","sentiment_score":0.17884599548159985},{"text":"Okay?","start":1187.1599,"end":1187.6599,"sentiment":"neutral","sentiment_score":0.11000755429267885}],"sentiment":"neutral","sentiment_score":0.1776591258059288,"channel":0,"num_words":58,"start":1173.395,"end":1187.6599},{"sentences":[{"text":"Okay.","start":1187.48,"end":1187.96,"sentiment":"neutral","sentiment_score":0.16845948994159698},{"text":"No worries.","start":1187.96,"end":1188.44,"sentiment":"neutral","sentiment_score":0.31751492619514465},{"text":"Thank you.","start":1188.44,"end":1189.0168,"sentiment":"positive","sentiment_score":0.662927895784378}],"sentiment":"positive","sentiment_score":0.4258690267801285,"channel":1,"num_words":5,"start":1187.48,"end":1189.0168},{"sentences":[{"text":"That's okay.","start":1189.787,"end":1190.507,"sentiment":"positive","sentiment_score":0.5720885992050171},{"text":"Thank you for calling me back.","start":1190.507,"end":1191.9469,"sentiment":"positive","sentiment_score":0.7374820013840994},{"text":"I appreciate your time today, Graham.","start":1191.9469,"end":1193.7269,"sentiment":"positive","sentiment_score":0.783078670501709}],"sentiment":"positive","sentiment_score":0.733395802123206,"channel":0,"num_words":14,"start":1189.787,"end":1193.7269},{"sentences":[{"text":"Okay.","start":1193.8969,"end":1194.3969,"sentiment":"positive","sentiment_score":0.49259811639785767},{"text":"See you.","start":1194.5369,"end":1195.2769,"sentiment":"positive","sentiment_score":0.5285178124904633}],"sentiment":"positive","sentiment_score":0.5165445804595947,"channel":1,"num_words":3,"start":1193.8969,"end":1195.2769},{"sentences":[{"text":"Thanks.","start":1195.4669,"end":1195.867,"sentiment":"positive","sentiment_score":0.6907297372817993},{"text":"See you later.","start":1195.867,"end":1196.6069,"sentiment":"neutral","sentiment_score":0.29966603219509125}],"sentiment":"positive","sentiment_score":0.39743195846676826,"channel":0,"num_words":4,"start":1195.4669,"end":1196.6069}]},"summary":{"result":"success","short":"The speaker, Graham, is being transferred to a financial adviser for advice on retirement goals and portfolio changes. They discuss the benefits of moving out of a portfolio and avoiding risk, including removing underperforming investments and making changes to the portfolio. The speaker emphasizes the importance of reducing risk and increasing contributions in retirement plans, and provides recommendations for retirement plans and removing underperforming investments and making changes to the portfolio. They also discuss a new strategy for reducing risk and maximizing retirement contributions, and recommend setting up beneficiary nominations and protection against loss. The speaker emphasizes setting up beneficiary nominations and reviewing the advice document for recommendations on board if needed."},"intents":{"segments":[{"text":"Hello, Dana. Graham just called in if you still wanted to present the advice to him. Otherwise, I can Oh, reschedule him. no.","start_word":1,"end_word":23,"intents":[{"intent":"Receive advice","confidence_score":0.00025010237}]},{"text":"Graham just called in if you still wanted to present the advice to him. Otherwise, I can Oh, reschedule him. no.","start_word":3,"end_word":23,"intents":[{"intent":"Reschedule","confidence_score":0.23331003}]},{"text":"Well, I'll transfer you I'll transfer Graham through to you in 03/21. Hi, miss Zena.","start_word":95,"end_word":109,"intents":[{"intent":"Transfer call","confidence_score":0.6310576}]},{"text":"I just had you booked in this morning to run through your updated statement of advice. Is now still a good time there for you? Yeah.","start_word":120,"end_word":145,"intents":[{"intent":"Obtain statements of advice","confidence_score":0.00012643759}]},{"text":"Well, I'm just gonna take this one through to you. So here's in your email there for when you are able to look at it. What I'll do is I'll try I'll try to go through it in as brief as possible so that not to overcomplicate it. And if you find you do have questions, please let me know. Okay? Okay.","start_word":266,"end_word":327,"intents":[{"intent":"Provide guidance","confidence_score":0.034685057}]},{"text":"If there are any changes that you wanted to have updated when you look at the document, please let us know. Okay?","start_word":748,"end_word":769,"intents":[{"intent":"Update investments and make recommendations","confidence_score":0.00039421074}]},{"text":"However, with the production moving forward, the saving fees, it does essentially show that you could end up in a much greater position if if this portfolio was able to make that 11% return every year moving forward. Okay? That sounds good.","start_word":1219,"end_word":1260,"intents":[{"intent":"Evaluate portfolio returns","confidence_score":0.0045277053}]},{"text":"And between the two, we can see you meeting your goal, drawing that $650 per week down, and being able to sustain super as well as some age pension until around about age 90 at the moment, and we wanna make sure that we're reviewing this strategy every year so we can continue to update and hopefully build on that for you. Okay?","start_word":1613,"end_word":1675,"intents":[{"intent":"Provide guidance in retirement plans","confidence_score":5.8121447e-7}]},{"text":"we have looked to maximize next year's contributions cut because we're not gonna start this or do anything with this PCR until the first Yep. of July.","start_word":2078,"end_word":2104,"intents":[{"intent":"Maximize contributions","confidence_score":0.49468702}]},{"text":"And because your income is quite fluid, you get your co bonuses, which is also included in your income. Your contributions fluctuate depending on your bonuses and your income as well. So we've used your gross income. We've averaged it out over the, essentially, the twelve month period to work out what we expect you to earn.","start_word":2214,"end_word":2270,"intents":[{"intent":"Discuss income details","confidence_score":0.00010198}]},{"text":"You've got your current income tax versus what we proposed with the strategy. We've got also the net take home pay and how much you put in and draw out and kind of broke it all down for you. But we definitely wanna start this as of the July 1 to make it easier.","start_word":2578,"end_word":2631,"intents":[{"intent":"Set up strategy","confidence_score":0.016725212}]},{"text":"And if you did pass away and you did not have a will in place, regardless of your circumstances, even though you are married, essentially, there's no guarantee that everything goes directly to your wife.","start_word":2978,"end_word":3012,"intents":[{"intent":"Clarify will and circumstances","confidence_score":0.00021007298}]},{"text":"I wanted to kind of make this as easy and as brief as possible because you're not looking at the document. Don't wanna over confuse it or overcomplicate the advice at all. I will let you go back to have a really good read of the advice. I've got the best interest you need, the advantages, disadvantages, any risks involved, and any alternative strategies we've considered as well.","start_word":3150,"end_word":3217,"intents":[{"intent":"Provide advice","confidence_score":0.10362661}]},{"text":"The the when I get into starting to do the salary sacrifice on that. Yeah.","start_word":3296,"end_word":3310,"intents":[{"intent":"Discuss salary sacrifice and options","confidence_score":0.000118520176}]},{"text":"What I'll do if you like, I will I've sent this through to you so it is there. Have a look at the advice document as soon as you can, sometime today or tomorrow.","start_word":3312,"end_word":3345,"intents":[{"intent":"Send advice document","confidence_score":0.34731084}]},{"text":"Have a look at the advice document as soon as you can, sometime today or tomorrow.","start_word":3330,"end_word":3345,"intents":[{"intent":"Discuss advice document","confidence_score":0.03660054}]},{"text":"I can get my team to give you a call maybe next week or the week after if you wanted just to see if you had any questions in relation to that.","start_word":3358,"end_word":3389,"intents":[{"intent":"Schedule call","confidence_score":0.40541726}]},{"text":"Essentially, we wanted to do the investment switch now because we need to get those investments changed. Yeah.","start_word":3426,"end_word":3443,"intents":[{"intent":"Confirm investment switch","confidence_score":0.00477507},{"intent":"Discuss investment switch","confidence_score":0.14835663}]},{"text":"So the return does not include your contributions. That is only factoring in the income plus the growth in the portfolio. Think of your Yep. contributions as essentially capital. It's principal. It is put into the portfolio, and it does help to make it grow, but we also just wanna make sure that, yeah, the returns they're looking at are the income that is generated from your principal or from your contributions and from your portfolio and the growth. Yes.","start_word":3535,"end_word":3614,"intents":[{"intent":"Discuss portfolio growth","confidence_score":0.02476278}]}]},"sentiments":{"segments":[{"text":"Hello? Hello, Dana. Graham just called in if you still wanted to present the advice to him. Otherwise, I can Oh, reschedule him. no. That's fine.","start_word":0,"end_word":25,"sentiment":"neutral","sentiment_score":0.01874133013188839},{"text":"Absolutely.","start_word":26,"end_word":26,"sentiment":"positive","sentiment_score":0.3975226879119873},{"text":"We can get Okay.","start_word":27,"end_word":30,"sentiment":"neutral","sentiment_score":0.2819633483886719},{"text":"that done. That's one thing less to worry about. Yeah. Perfect.","start_word":31,"end_word":41,"sentiment":"positive","sentiment_score":0.4042162597179413},{"text":"I've just passed him through security, and I asked if he had enough time for the call. And he said, yep. He's Yep.","start_word":42,"end_word":64,"sentiment":"neutral","sentiment_score":0.2840070426464081},{"text":"all good. Oh, beautiful. Fantastic. Thanks, Sam. Alright.","start_word":65,"end_word":72,"sentiment":"positive","sentiment_score":0.593093991279602},{"text":"Not a problem. Are you ready? Have you got the things up? Yep.","start_word":73,"end_word":85,"sentiment":"neutral","sentiment_score":0.1683337539434433},{"text":"I've got everything here ready to go.","start_word":86,"end_word":92,"sentiment":"positive","sentiment_score":0.3819420039653778},{"text":"Alright.","start_word":93,"end_word":93,"sentiment":"neutral","sentiment_score":0.28558456897735596},{"text":"Perfect.","start_word":94,"end_word":94,"sentiment":"positive","sentiment_score":0.4073485732078552},{"text":"Well, I'll transfer you I'll transfer Graham through to you in 03/21. Hi, miss Zena. How are you this morning? Yeah.","start_word":95,"end_word":115,"sentiment":"neutral","sentiment_score":0.15678896009922028},{"text":"Good. Thanks. That's good.","start_word":116,"end_word":119,"sentiment":"positive","sentiment_score":0.5085830092430115},{"text":"I just had you booked in this morning to run through your updated statement of advice. Is now still a good time there for you? Yeah. I'm in town, but, yeah, it's alright. Yeah. That's okay. So you don't have access to your emails at I the moment. Is that right? I can get on to the email. Yeah. That's okay. I normally just send the document through to you via email so you can kind of have a look at what I'm going through with you. But if it's not preferable for you to see your emails, like, if you have to put me on speakerphone, you're not anywhere secure, then I can just run through the advice for you if you like, give you a rundown, and you're welcome to have a bit of a look at it later.","start_word":120,"end_word":260,"sentiment":"neutral","sentiment_score":0.08186670392751694},{"text":"That sounds good.","start_word":261,"end_word":263,"sentiment":"positive","sentiment_score":0.3690740764141083},{"text":"Yeah.","start_word":264,"end_word":264,"sentiment":"neutral","sentiment_score":0.2866894006729126},{"text":"Beautiful.","start_word":265,"end_word":265,"sentiment":"positive","sentiment_score":0.4394907057285309},{"text":"Well, I'm just gonna take this one through to you. So here's in your email there for when you are able to look at it. What I'll do is I'll try I'll try to go through it in as brief as possible so that not to overcomplicate it. And if you find you do have questions, please let me know. Okay? Okay.","start_word":266,"end_word":327,"sentiment":"neutral","sentiment_score":0.1469969004392624},{"text":"Excellent. Excellent.","start_word":328,"end_word":329,"sentiment":"positive","sentiment_score":0.45657163858413696},{"text":"Oh, good. So, Graham, this one here is essentially looking at your super. When you do look at the document there, you will know that it has been prepared for yourself with your lovely name on the very top there and my authorized representative number on the bottom of the document. So I'm a registered financial adviser with ASIC, and my registration number is 1304394. Okay? Okay. As you ask all into the document, you will note that we have scoped in certain areas for superannuation. You're looking forward to hopefully retiring at around the age six seven to 70 depending on how you're feeling and how your health is and how everything goes down the track there. You Yes. were hoping to, at the time, draw an income in retirement of about $650 per week. That could change down the track, and that's absolutely fine. This is what we're working on at the moment for your goal. Okay? Okay. We've got the new state planning side of things as well for you. So you don't have a will or power of attorney, and because we are looking at the t t the transfer time strategies as well, we do need to make sure a beneficiary is also applied to the account. Okay. I've looked at projecting forward to retirement. So because you are getting closer retirement years, you are hoping to retire at around at the age 67 to 70 depending on how things go down the track there. I have done a little bit of projecting forward looking at the possibility of Social Security retirement planning to a limited scope just to give you an idea of longevity based on your current goals. Okay? Yeah. Yeah. In areas that we're not looking at any additional advice today, we're not looking at areas of insurance. If you don't have any insurance, if you are happy not to have any, super is your main focus at the moment working towards your retirement goals. And, also, you wanted to pay your mortgage down as quickly as possible, but we're not providing any additional advice on that currently. If you did want additional advice down the track or wanted to speak to a mortgage broker, please let us know. We can certainly assist you in that area. Okay? No. I'll go I'll go back under control. You got that sorted.","start_word":330,"end_word":727,"sentiment":"neutral","sentiment_score":0.07234131705820859},{"text":"Fantastic. Excellent.","start_word":728,"end_word":729,"sentiment":"positive","sentiment_score":0.6021429300308228},{"text":"In the device document, we do have all your assets and liabilities noted as per our last conversation. If there are any changes that you wanted to have updated when you look at the document, please let us know. Okay? No worries. To kind of run you through the recommendations, I have gone back and had a really good look at your super.","start_word":730,"end_word":792,"sentiment":"neutral","sentiment_score":0.1278654783964157},{"text":"Your super has well, has been growing quite steadily this year.","start_word":793,"end_word":803,"sentiment":"positive","sentiment_score":0.5241712331771851},{"text":"We have seen quite a bit of volatility in the market, and that means that there has been some underperforming investments that we wanted to look at removing for you. The Benel Long Australian Equities is a good example of that one.","start_word":804,"end_word":845,"sentiment":"neutral","sentiment_score":-0.27570778131484985},{"text":"That investment hasn't seen exactly what it was supposed to see. That investment has been underperforming, so we are looking to remove that investment.","start_word":846,"end_word":869,"sentiment":"negative","sentiment_score":-0.4435144662857056},{"text":"We're also looking to make some changes to your portfolio. So you'll see when you look at the document, there are gonna be some buyers and sales. Essentially, the portfolio you're in currently has seen when we look at the five year rolling average about 6.06% return average over the last five years there. What we wanna do is move you out of that portfolio and into something a little bit better that has shown a greater past return, which hopefully is down the track and provides you with a greater level of return. One of the big changes that we are making is removing that ban along Australian equities and putting you into the Australian 200.","start_word":870,"end_word":986,"sentiment":"neutral","sentiment_score":0.06050391495227814},{"text":"So this is the BetaShares a 200 investment. It actually gives you more diversification, and that investment is actually cheaper than BetterLoan as a whole. And when you look at the difference where by making the switch of these investments for you, we can actually save you about $1,295 on a yearly basis on investment fees. So it's gonna be cheaper for you.","start_word":987,"end_word":1049,"sentiment":"positive","sentiment_score":0.3969767987728119},{"text":"Does that make sense? Yeah. That makes sense. But it might it's cheaper to have it, but but how much more overall compared to other than that? The return? So the return Yeah. on the newer portfolio has averaged 11.13% over the past five years. Yep. Okay. Yep. Yeah.","start_word":1050,"end_word":1098,"sentiment":"neutral","sentiment_score":0.10635356605052948},{"text":"So this portfolio is cheaper. It has shown a greater past performance.","start_word":1099,"end_word":1110,"sentiment":"positive","sentiment_score":0.3954600989818573},{"text":"Admittedly, it's important to note that the projections and past performance are not guaranteed in any way, shape, or form. This is what the portfolios have shown in the past, which shows you essentially what they can make in the future if they saw the same market conditions. But we do know Okay. that markets will go up, markets will go down. This year alone, we have seen some very heavy volatility with what's been happening with The US and the Iran war. So we know that markets will go up, markets will go down. You're not guaranteed 11% every year over the next five to ten years.","start_word":1111,"end_word":1218,"sentiment":"neutral","sentiment_score":-0.1057322695851326},{"text":"However, with the production moving forward, the saving fees, it does essentially show that you could end up in a much greater position if if this portfolio was able to make that 11% return every year moving forward. Okay? That sounds good. Perfect.","start_word":1219,"end_word":1261,"sentiment":"positive","sentiment_score":0.44563737511634827},{"text":"Now it's also important to note that we do have capital gains consequences. So your super fund, just like you every year, does do a tax return. So in order to make the switch in the investments, we're buying and selling in the most cost effective way. But your super fund will account for a capital gains consequence of about $651. Essentially, you don't have to pay any of that. That's all held and dealt with by your super fund. But it just means that after we complete the switch of the investments, there is a CGT consequence for your super, and this super fund will pay that.","start_word":1262,"end_word":1369,"sentiment":"neutral","sentiment_score":0.2087536454200745},{"text":"We minimize it as much as possible to about $651, but it's a small cost considering the investment switch saves $1,200 in investment fees. So, overall, you're gonna be saving more money, and the this portfolio has seen a greater past performance. So it can definitely, down the track, provide you with a greater level of return.","start_word":1370,"end_word":1426,"sentiment":"positive","sentiment_score":0.5355154871940613},{"text":"Okay? Yeah. Well, if if you make the money, you don't mind paying the tax. You know what I mean?","start_word":1427,"end_word":1446,"sentiment":"neutral","sentiment_score":0.14122101664543152},{"text":"That's exact that's exactly right. That's exactly right.","start_word":1447,"end_word":1454,"sentiment":"positive","sentiment_score":0.4195457696914673},{"text":"I have, as we mentioned, done some projecting forward.","start_word":1455,"end_word":1463,"sentiment":"neutral","sentiment_score":0.2503325045108795},{"text":"Given your current circumstances, after all the advice has been put into play, we can see you being able to draw that $650 on a weekly basis down from super to be able to support your income needs.","start_word":1464,"end_word":1501,"sentiment":"positive","sentiment_score":0.4199405312538147},{"text":"The projection we do is more conservative when we're looking at the retirement because you're in a growth portfolio now. You're wanting to take more risk now to obtain a greater potential return. However, as you get closer to accessing super and in those retirement years, you're not gonna wanna be in the same level of risk.","start_word":1502,"end_word":1558,"sentiment":"neutral","sentiment_score":-0.13286246359348297},{"text":"We don't want you to be taking No.","start_word":1559,"end_word":1566,"sentiment":"negative","sentiment_score":-0.3757364153861999},{"text":"more That's correct. risk. Yeah. Yeah.","start_word":1567,"end_word":1572,"sentiment":"neutral","sentiment_score":-0.1139937937259674},{"text":"So we do have a much more conservative projected return here, but, essentially, it does show that given your current circumstances, you should be eligible for the for some age pension there as well to offset some of your super. And between the two, we can see you meeting your goal, drawing that $650 per week down, and being able to sustain super as well as some age pension until around about age 90 at the moment, and we wanna make sure that we're reviewing this strategy every year so we can continue to update and hopefully build on that for you.","start_word":1573,"end_word":1674,"sentiment":"positive","sentiment_score":0.4273817241191864},{"text":"Okay? Yep. Okay.","start_word":1675,"end_word":1677,"sentiment":"neutral","sentiment_score":0.19082631170749664},{"text":"Beautiful.","start_word":1678,"end_word":1678,"sentiment":"positive","sentiment_score":0.5269678831100464},{"text":"Now the other thing which is a little bit more confusing, I'll try to make it as simple as possible, is that transit your time sort of strategy we talked about. So because you're 60, there are ways that you can provide a much greater boost to your super by increasing your contributions in. However, by increasing contributions in the super, it does affect your take home pay. So because you're 60, we're able to implement this transition to retirement strategy where we can actually increase your contributions in the super. We used your most recent payslip you provided to project out your salary. We're not planning to start this this financial year, sir, because we are very close to June. We're looking to start this as of the July 1. Essentially, how this will work for you, Graham, is we will keep keep about a 156,000 in your super accumulation account. We will move a 160,000 into a secondary it's called a transition retirement pension account, so you'll have two super accounts. One super, one pension. We increased your contributions for the year to 900 sorry.","start_word":1679,"end_word":1865,"sentiment":"neutral","sentiment_score":0.08579387826556191},{"text":"$9,875. So you put more money in the super by way of salary sacrifice, and then we're gonna draw some money out of your super to replenish your income. Yep. Overall, you save on tax because the money going into super is only taxed at 15% as opposed to your marginal tax rate. And then because you're over 60, under this TTR strategy, we're able to access a minimum of 4% of your super and a maximum of 10%. So we're able to replenish your income, and we can draw less money at them we're putting in to bring your income back to your to your net take home pay.","start_word":1866,"end_word":1975,"sentiment":"positive","sentiment_score":0.5496900677680969},{"text":"Okay. With the I've math that got I've a got in I've got a yeah. question. What is the maximum, like, Yeah. allowed to go into the super before it affects Yeah. the the, you know, that 15% of the tax? Before, it affects the 15%. Sorry. Yeah. I'm not That quite that's sure I with understand. that's with that's that's with the work, putting money in the super. And if I sacrificed money into my super, right, it it could it's about $30,000 in total. At the moment, it is. The next financial year, it goes up to 32,500. So Yep. we have looked to maximize next year's contributions cut because we're not gonna start this or do anything with this PCR until the first Yep. of July.","start_word":1976,"end_word":2104,"sentiment":"neutral","sentiment_score":-0.07779904454946518},{"text":"We don't wanna do anything right now.","start_word":2105,"end_word":2111,"sentiment":"negative","sentiment_score":-0.38741159439086914},{"text":"We wanna wait till next financial year because the cap increases for you. Mhmm. You weren't able to you weren't able to look at your myGov account and get your catch up contribution. So me and my team have gone back, and we've looked at all of your contributions over the past five years in the super. And we've also worked out that you have approximately $59,645 of unused concessional caps from the previous five years. Now what we have done because we are looking to maximize next year's cap, we don't wanna kinda do anything that's gonna negatively affect you. And because your income is quite fluid, you get your co bonuses, which is also included in your income. Your contributions fluctuate depending on your bonuses and your income as well. So we've used your gross income. We've averaged it out over the, essentially, the twelve month period to work out what we expect you to earn. We've then Yep. looked at the contributions cap and worked out what we expect your contributions to be, and then we've worked it all out based on that, which means that you have approximately, for next financial year, $9,875 in contribution cap space, which we're gonna maximize out to bring your contributions up to the cap.","start_word":2112,"end_word":2325,"sentiment":"neutral","sentiment_score":0.03471982479095459},{"text":"Because you have that extra 59,000 of unused cap space, if we go over the cap in any way, if your income increases in any way, that is absolutely okay. You've got an extra 59,000 of unused cap space that we can utilize, so it's not gonna negatively impact you in any way.","start_word":2326,"end_word":2378,"sentiment":"positive","sentiment_score":0.41712552309036255},{"text":"Does that make sense? It does. Yeah. Yep. Yep.","start_word":2379,"end_word":2387,"sentiment":"neutral","sentiment_score":0.2507755756378174},{"text":"So if So that you get that's a bonus well, next financial yep. year, I wanna start doing it straight away.","start_word":2388,"end_word":2408,"sentiment":"positive","sentiment_score":0.3993406593799591},{"text":"So Yep. will you will you Absolutely. let me know so I can let my employees know and stuff like that, like, how Yep. much?","start_word":2409,"end_word":2433,"sentiment":"neutral","sentiment_score":0.2648843228816986},{"text":"It is Yep. a it's a it's a good number I can use.","start_word":2434,"end_word":2446,"sentiment":"positive","sentiment_score":0.4614623486995697},{"text":"And and Yeah. Absolutely. could you could you just be putting so much back into my account? That's correct.","start_word":2447,"end_word":2465,"sentiment":"neutral","sentiment_score":0.2627381384372711},{"text":"Yeah. And because the tax inside super is so much less, the money you're drawing out of super to replenish your income is completely tax free. So Yep. it works out under the strategy. You're actually saving on income tax.","start_word":2466,"end_word":2505,"sentiment":"positive","sentiment_score":0.39625048637390137},{"text":"We estimate the saving on income tax to be about $2,659. When you're looking at this on page number 28, have a look at it. Run through the numbers. If you have questions, let me know. I know it's a bit hard because you're not seeing the documents there, but I've got all the numbers outlined for you showing you your current salary based on our projected outcome, the salary sacrifice. You've got your current income tax versus what we proposed with the strategy. We've got also the net take home pay and how much you put in and draw out and kind of broke it all down for you.","start_word":2506,"end_word":2615,"sentiment":"neutral","sentiment_score":0.1327513141388243},{"text":"But we definitely wanna start this as of the July 1 to make it easier.","start_word":2616,"end_word":2630,"sentiment":"positive","sentiment_score":0.4280958473682403},{"text":"How I work this strategy, because salary sacrifice reduces your take home pay, I will always make my team open the pension account first. We then work out your first drawdown. Make sure your drawdown happens out of the pension account and then get your salary sacrifice into play. That way, the first amount comes down to your bank account, and then you start salary sacrificing so that it doesn't negatively impact you. Does that make sense? It does. Yeah. Yeah. I just wanna never wanna sort of make it that you're running, you know, with a mortgage and with life and living expenses. We never wanna make it that you're putting more into super than you're drawing out.","start_word":2631,"end_word":2749,"sentiment":"neutral","sentiment_score":0.1809396743774414},{"text":"But this strategy actually keeps your take home pay a little bit higher than what it is currently, and we've got a backup. So if if you earn a little bit more, if your you know, you guys do really great and your co bonus is really high for next year, we have that touch of contribution space to allow. This strategy does need to be reviewed every year so that we can replenish and alter and change it, especially then as your income tends to go up on a, you know, a yearly basis, which is a fantastic benefit. Yep. And it's just about making sure we're putting as much as we can into super and building on super for your retirement.","start_word":2750,"end_word":2872,"sentiment":"positive","sentiment_score":0.4091295003890991},{"text":"Okay? Okay. Yep.","start_word":2873,"end_word":2875,"sentiment":"neutral","sentiment_score":0.2289467751979828},{"text":"Beautiful.","start_word":2876,"end_word":2876,"sentiment":"positive","sentiment_score":0.557856023311615},{"text":"We also do need to make sure that beneficiary nominations are put in place for that transit to your retirement pension accounts, and my team will assist and help you with that. And then we've also got a recommendation in here that you do speak to the solicitor that have a will and power of attorney set up. We have beneficiary nominations in place for your super, but it's also about protecting all of your other assets outside of super, your house, your cars, your savings account, things like that. Mhmm. There's not always there's not always a set process. And if you did pass away and you did not have a will in place, regardless of your circumstances, even though you are married, essentially, there's no guarantee that everything goes directly to your wife. I have seen in certain circumstances where because if you die in probate, people can come forward and make a claim, and it's up to a judge to make a decision. And a judge follows the legislation, but if they see any sort of claim that they think is valid, they can definitely pass money or assets to another party in which you do not want to have that money or the assets. So it is really important to have a will and the power of attorney set up to protect everything else that you've worked hard for and making sure that your family know that you have beneficiaries on file, that you do have a will, and where those things are located in the event that something happens. Okay? Yep. Yep. That's fair enough.","start_word":2877,"end_word":3146,"sentiment":"neutral","sentiment_score":0.053028956055641174},{"text":"Yeah. Beautiful. Look. I wanted to kind of make this as easy and as brief as possible because you're not looking at the document.","start_word":3147,"end_word":3170,"sentiment":"positive","sentiment_score":0.3875288665294647},{"text":"Don't wanna over confuse it or overcomplicate the advice at all.","start_word":3171,"end_word":3181,"sentiment":"neutral","sentiment_score":-0.03356651961803436},{"text":"I will let you go back to have a really good read of the advice.","start_word":3182,"end_word":3196,"sentiment":"positive","sentiment_score":0.3431931734085083},{"text":"I've got the best interest you need, the advantages, disadvantages, any risks involved, and any alternative strategies we've considered as well. We've outlined all the math in there for you to have a bit of a look at and all the fees as well so you can sort of see the difference and what the costing looks like. Did you have any questions at the moment? No. No. No. I I don't at the moment, but I reckon that when it comes up to the financial year, I'll probably wanna have another quick little chat. Yeah. Yeah. Absolutely. Absolutely. The the when I get into starting to do the salary sacrifice on that. Yeah. Absolutely. What I'll do if you like, I will I've sent this through to you so it is there. Have a look at the advice document as soon as you can, sometime today or tomorrow. I Yep. am away tomorrow, and I'm away Monday, but Mhmm. I can get my team to give you a call maybe next week or the week after if you wanted just to see if you had any questions in relation to that. And they can always book in another time for you just to have a bit of a follow-up Yep. so you can ask any questions that you have, and we can kind of just revisit that advice. Essentially, we wanted to do the investment switch now because we need to get those investments changed. Yeah. Do the I investment want them switch now? yep. Yeah. Well, I want them done as quick as possible because like like I did like I said to you, when I was last talking to you, it's it's actually not doing nothing yet. It hasn't done gone a great deal. So when we spoke in January, your balance is about $312,007.63. We're up to 318,000 now. So it has only increased by 1.61%. It's not a great But also not a contributions great is increase. going in there as well. Yeah. So the return does not include your contributions. That is only factoring in the income plus the growth in the portfolio. Think of your Yep. contributions as essentially capital. It's principal. It is put into the portfolio, and it does help to make it grow, but we also just wanna make sure that, yeah, the returns they're looking at are the income that is generated from your principal or from your contributions and from your portfolio and the growth. Yes. And it is it is a much smaller amount, and a lot of that is because of a, Van Alon hasn't been performing very well for you and also what's happening globally at the moment. But it's good to take this opportunity to use then along while it is down to offset any additional gains. We'll rebalance your portfolio and make some changes to it, and then sort of monitor it moving forward and make sure it is sort of growing a bit more for you. Okay? Okay. Yeah.","start_word":3197,"end_word":3703,"sentiment":"neutral","sentiment_score":0.10461728305682629},{"text":"All good.","start_word":3704,"end_word":3705,"sentiment":"positive","sentiment_score":0.4603930711746216},{"text":"I will let you go. I don't wanna overcomplicate it too much today for you, but, I've emailed it through to you.","start_word":3706,"end_word":3727,"sentiment":"neutral","sentiment_score":0.2238112986087799},{"text":"A really good look at the document. If you're happy to take the recommendations on board and don't have any questions, let me just sign and return it back.","start_word":3728,"end_word":3756,"sentiment":"positive","sentiment_score":0.4628727436065674},{"text":"If you do have any additional questions, let me know, and I'll make sure my team follow-up probably next week or the week after just to sort of book in a time to see if you do have anything that's said that you wanna discuss or any any questions you have in relation to that advice document. Okay? Okay.","start_word":3757,"end_word":3815,"sentiment":"neutral","sentiment_score":0.17779730260372162},{"text":"No worries. Thank you. That's okay. Thank you for calling me back. I appreciate your time today, Graham. Okay. See you. Thanks. See you later.","start_word":3816,"end_word":3840,"sentiment":"positive","sentiment_score":0.6331619024276733}],"average":{"sentiment":"neutral","sentiment_score":0.1547875171915088}}}}