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Is now still a good time there for you? I love it. Fantastic. I do normally send through the document to you via email so you can review it as I'm going through it. Are you able to access your email, sir, at the moment? Fantastic. I'm just sending that one through to you there just because sometimes it's easier to be looking at it as I'm going through it. That way, it doesn't feel like I'm talking at you at all. No worries. Take a cup of tea there with you. Excellent. Just while you are doing that, I just need to confirm we do record our calls moving forward for training and quality purposes. Are you happy to proceed with that? Legend. And just to do a quick security check there with you as well, just to confirm your full name, your date of birth, and address I should have on file. Yep. Beautiful. Thank you so much for that. And how's the new job going? You've been there for nearly a week? Oh, fantastic. Excellent. It's all going well? Oh, good. Good. Fantastic. Yeah. Absolutely. It makes a big difference getting up and going to work every day. I mean, it can be quite arduous at times, but it still kinda gives you something to do. I bet. Yeah. Yeah. Absolutely. Yes. Yep. Absolutely. Yeah. Give yeah. Yeah. Give you a taste of those your time it is when you eventually get to them. I love it. No. That's fantastic. I'm glad you're enjoying your job. That's really good to see. Yeah. Oh, good. Yeah. Oh, fantastic. Fantastic. And you were in the process of, you know, getting selling your property as well. How's that going? You're right. So sorry. Yep. Yeah. Yeah. Yeah. Yeah. Understandable. Yeah. Yeah. Absolutely. Yes. Yeah. Well, cross yeah. Cross your fingers a few decent nibbles there, so we'll see what happens. Yeah. You do. Absolutely. Yeah. No. That's all good. How are you going with that email there? Oh, beautiful. Excellent. So the first page on the document, there is a statement of of advice that I prepared for yourself as of the 08/26/2026. We date it for the date of the presentation, but I've had it updated as well because you are now working. So we are reflecting contributions and things going into the account so you can sort of see where you would where you are tracking for based on your current circumstances. Essentially, all of our advice is valid for sixty days, so you don't have to sign it today. You can take it back and read it, and let me know if you do happen to have any questions there at all. Okay? On the bottom of that one there, it has my representative details. So I'm a licensed adviser authorized through ASIC, and my registration number is 1304394. Okay? The next page, as you are kinda scrolling through, is the best interest duty. So it's just important to note that any advice we do provide is done so under the best interest duty, which is part of the corporation's desk. It's about making sure we understand your circumstances in full so we can make sure the advice is appropriate to you and your circumstances, and we are working towards your goals as well. Okay? On pages three onwards, we've got kind of the areas that we are scoping in and out with regards to the advice. So we're looking at for this one here, superannuation. You're working towards your goal of being able to retire until about age 67, give or take, when you get to that point. We were looking at removing some under Australian Super account, just making sure we keep those insurances in place for the retaining the Australian super account, just making sure we keep those insurances in place for the time being. So I've recommended and had a strategy put in place there. So this is kind of also a foundation SOA as well. So we're sort of starting with this is what we are basing things on now, and we'll kind of track forward from that for you. Okay? And the military super slash pension account, we are retaining that. Obviously, that's kind of a no brainer sort of scenario there. You are receiving a regular pension payment from that one, but I wanted to make sure as part of the advice, we had considered everything so we know exactly what you've got coming in, and then we can kinda track forward from there. Okay? And then the estate planning side of things has been considered as well. We have talked about your beneficiaries. I believe my team had sent those documents out to you, but I wanted to incorporate that into the advice as well just to make sure that we had attached on all the areas that are relevant of importance in your circumstances and making sure those beneficiaries are recommended and updated correctly as part of that for you. Okay? Excellent. Areas that we are not considering as part of the advice is on page sort of six and onwards there. So retirement, you are quite young still. You have a lot of time ahead of you there. So because we're only projecting sort of five to ten years down the track, we don't project any longer than ten years ahead. There are too many things that could change in your circumstances, so we don't project out thirty or forty years down the down the track there. We go about retirement for now, and we'll come back and look at that as it becomes more appropriate there for you. Okay? Trauma is one of the insurances that you don't currently hold. We're not looking at applying for any new cover at the moment. That'll be something that we do come and look at down the track. As of our last conversation, you weren't employed then. Now you've got a job, but you're in that kind of probationary period. So we just wanna make sure that you kind of are comfortable with that, that you get through your probationary period, and then we'll have a really good look at your circumstances, look at the insurance cover, and I'll see what we can do to help you there, see if we can maybe consolidate and get more appropriate cover for you as well. Okay? Yeah. Oh, You're right. If you need me to stop at any point or if you need to go and look after anything, you're good. You're good? Excellent. Fantastic. We are also putting off any additional, like, contributions to super at the moment. One of the things you talked about down the track was when you sell the property, maybe looking at recontributing some of that military super pension back to super, trying to sort of find a way to invest that and grow those funds. We're scoping that out for now, but we'll come back and reevaluate that reevaluate that down the track. And we're also scoping out anything to do with the sale of the property and the proceeds from that. We can come back and talk to you more about that down the track and what to do with the proceeds and what your goals are and, you know, help you along the area down the track as well. Okay? Excellent. I am gonna skip through a fair few pages here because, essentially, you get to go back and have a read to the document. And if I sit here going through 40 pages, you could be here for the next two hours. So if I can get you to scroll down to page number 14 for me, I'll start running you through the recommendations. I'll hit the parts that I need to hit there for you, and then I'll let you go back and have a really good read through it. Excellent. Yeah. That's the one. Fantastic. So with this one here, we had a look at your super. You've got your Australian super and your hub 24 there. I am recommending that we retain both of those. And one of the things that happened in the past was we have sort of verbally confirmed we retained Australian Super, but it was never actually a strategy put into place. So this document is essentially giving you a foundation going at the moment. We're gonna retain hub twenty four. We're gonna retain Australian Super. Essentially, within Australian Super. We only wanna retain $10,000 there. We do want you to make sure all of your contributions are directed into the Australian Super account, though, because it helps to keep your insurances enforced. There are certain laws around the insurances within within the industry funds where if you don't receive contributions for over sixteen months, the income protection component especially can decrease, and they can also delete the TPD side of things. So keeping your your contributions going into AustralianSuper to begin with, and then we'll every when we do catch ups and reviews with you each year, we'll review how much you have in the AustralianSuper account and sort of roll over anything over that $10,000 there for you. Okay? Excellent. As a secondary measure as well, I'm also gonna organize and complete an opt in to Australian Super. So we can complete what's called an opt in form, which essentially states that if for any reason you don't receive contributions for that sixteen months and or, you know, something happens within the fund, the balance drops below the minimum, that they won't cancel the insurances. So this is a secondary security measure. It's called an opt in form. We'll get you to sign one, and we'll send it to AustralianSuper. That way, they can have that on file just to protect you in the event sort of a secondary measure to keep those insurances enforced there for you. Okay? I did review Hub twenty four and AustralianSuper. Both of them are absolutely fine. There's no reason to kind of move out of Hub twenty four for the moment, and Hub twenty four still has a wider range of investment options available. So I was able to look at a way to to maneuver and alter the investment options within Hub 24 for you to make it a bit easier and to alleviate, essentially, the underperforming investments and to remove a few things there for you. Okay? If I can get you to I'm gonna go a little bit backwards now to sort of show you what I'm gonna do with the investments. But if you can roll down for me to page number 21. Yeah. This is the fee comparison table. This is essentially showing you the recommendation with the dollar figure side of it. So at the moment, you've got your hub twenty four and your Australian super account there with your two balances respectively. You've also got administration fees. You're paying, sorry, investment fees as well. We've got the ongoing service fee coming out of hub twenty four for our services and looking after everything and contributions also are being factored in because you are now still are now getting them. You've also got some insurance premiums coming out of both Hub twenty four and also Australian Super there. Within the portfolios, you are in a high growth portfolio, and we've kinda looked at the two different accounts. The way you're invested across, you are still in a high growth portfolio across the two of them. But when we look at how these investments have been performing on an average over the past five years, it's averaged about 12.80, which look is not a bad return at all, but there have been some underperforming investments that we did wanna look at moving out for you as well. Okay? With with, essentially, the bulk of the recommendations, as I mentioned, I'm gonna retain hub twenty four and AustralianSuper. We wanna roll all about 10,000 out of AustralianSuper to make sure more money is coming into Hub twenty four and being invested in that kind of environment for you. We want your contributions from your employer to go into the AustralianSuper account. That way, we've got that measure to keep the insurances rolling in that account for you, and, also, we're gonna apply the opt in form as well. Within AustralianSuper, essentially, between Hub twenty four and AustralianSuper, you will still have administration fees at play there. You're also gonna have investment fees. However, with the newer portfolio, it's actually reducing the amount of investment fees payable. Essentially, we can save you $292 a year by switching these investments. So it means more money stays invested in your super working harder for you. Okay? With the ongoing service fee, that does increase a little bit. It is 1.65% per annum, and it is based on the balance in the account. So we do know it increases slightly because the balance in hub twenty four is expected to increase, and this figure also takes into account the first year's growth ex expected growth of the year. Okay? No change to the insurance premiums because we're not making any changes there. We're retaining the insurances exactly as they are for a bit longer, and I'll make sure once you've gone through your probationary period, we make sure we do a bit of a catch up in six months, see how things are tracking along, and see what you wanna do insurance wise and see what your goals are, and we'll see what we can do to help you to improve on the strategy further. Okay? The newer portfolio between the two is still in that high growth environment, but when we look at how it has performing over the past five years, it's averaged about a 15.71% on a yearly basis. So this the portfolio we wanna move you into has the greater potential for greater growth, which means, essentially, if the portfolio can do what it has over the past five years, you could see yourself in a much greater position there. If you scroll down to the next page for me, you'll see the projection table there. I do like to be very honest. Essentially, we are working on past data with investments, so there's definitely no guarantee there. But if when you look at the volatility and what's been going on with the investment portfolios, if they can obtain this kind of return over the next sort of five to ten years, you can sort of see where it's where it's expecting to sort of put you at over that time frame. So it is giving you greater growth long term, and we just wanna make sure we review things on a regular basis. And, again, if we find investments that aren't performing properly or the portfolio needs to be updated or altered, then we'll make sure we do that with you as well. Okay? Excellent. If I can get you to go down for me just to page number 23, this has the investment recommended investments in a whole big table with bits and pieces on it there. On the first column, you've got the investments that you have currently. Now within AustralianSuper, as I kinda mentioned, the the we're gonna retain 10,000 there. However, I do wanna do a slight switch of the investment. So you are in a balanced portfolio within Australian Super at the moment. I wanna move you that 10,000 we have left over. I wanna move it into more of a high growth portfolio. They have just a balanced growth and a high growth portfolio. We're gonna when that 10,000 is left in there, switch that into the high growth portfolio so it keeps you in that high growth environment. You were technically in that high growth environment with the balanced portfolio you're in, but the newer high growth portfolio when combined with the Hub twenty four investments can get that greater potential. So even though money is sitting in Australian Super and it's there to kinda look after your insurances, we still want it to be working harder for you at the end of the day. So the way this essentially works is we sell all the $37,410 out of that balanced portfolio. Most of it comes over into hub twenty four, and that 10,000 sits in the high growth environment. What we'll probably do to make this work a bit easier for you is we'll do what's called a rollover first. We'll roll the seven 27,410 from AustralianSuper into Hub 24, and then what's left, we'll do the switch with. That way, it works out better for you. Okay? Excellent. Within Hub twenty four, what we're gonna do investment wise here is with the cybersecurity. At the moment, if you look at the third column, that shows your current weighting within the portfolio. Cybersecurity has been fine. It's not been doing bad at all. It has had a lot of ups and downs this year. We wanna hold more of it. It is giving you access to global cybersecurity, and moving forward, there is a lot of, a lot going into that kinda area with the way the government is spending, and there's a lot of growth still to happen there as well. So we wanna hold 8% of your portfolio. So it does mean that we are gonna buy a little over a thousand dollars into that for you. BetaShares India, that was one that was underperforming. We talked about that. We didn't like that anymore, so we've removed that completely from your portfolio. So we're gonna sell that down to zero and remove that holding. You've also got the global health care again giving you global diversification. We wanna hold eight percent of this investment. You currently have about 6.70%, so we're gonna invest some more money into that for you. The S and P five 100 is still performing very well, has had a lot a lot of ups and downs this year. However, US markets and US securities are still performing very nicely. If you wanna hold about 26% in there, you've got about 25.30% there at the moment, so buying a little bit more just to bring you up. We've also got the Raffy the Raffy 200. This one here is still good. You're a little bit overexposed at the moment, so we just wanna sell off a little bit to bring you back to 16%, but we still wanna keep it. It is giving you good diversification into Australian equities, and we're gonna basically have a secondary investment to complement that to go to replace the Benelon Australian equities, which is the other one that was very heavily underperforming in your portfolio there. Okay? And that's the next one down here. So the Banna Long Australian Equities, that was the one that was down very heavily. We wanted to get rid of that. We are selling that completely out of the portfolio. And, essentially, we are gonna replace that with the BetaShares a 200. So, again, this is another 200 companies in the ASX that's giving you between that and the RASK, they're giving you good diversification into high into big cap companies, essentially. The beta shares a 200 tracks the top 200 companies on the ASX. And by high holding the Rafi and the beta, you are sorry. Yeah. The the beta shares a 200 and the Rafi sorry. I can't talk this afternoon. It is giving you exposure to all those those high cap large cap companies. It's giving you essentially great diversification as well because Benelon only held anywhere between 15 to 25 different investments in there. So removing that and adding another 200 companies into the mix is sort of bringing greater diversification, helping to lower the overall risk of your portfolio as well. And it's a more of a passive investment, so it's actually making it cheaper for you to hold. It's partly saving some of your investment fees within the portfolio as well. Okay? Excellent. We talked about keeping a little bit of active management in the portfolio there as well, and that's where we've got the JRegs. This is a JPMorgan Global Research enhanced equity fund. This is utilizing JPMorgan's research team to pick and choose where markets might be growing. They look at it globally, so not just in Australia or The US. They look globally, so across the entire globe. It's giving you further diversification, and there's a small active component in this in this investment as well. So keeping that gives you a little bit of an actively an actively managed component to your portfolio, which is great, but also keeping costs low. So we're gonna hold about 16% of this investment there for you and buy a little bit 8 of of over $1,800 into that one for you. Okay? Excellent. We've got physical gold in there. 9% at the moment, physical gold has done really, really well. Gold is only a growth asset. It doesn't produce any kind of income, so it is solely a growth asset. It does act defensively depending on, you know, how markets are reacting. People tend to take money out of it and move it into gold as a safe haven when markets aren't doing too well. But one important factor with gold is that in order to sort of take advantage of that growth, you do have to rebalance every now and then. So cementing some of the gains and reinvesting those back into the portfolio to assist with the compounding effect. So we are just gonna sell a yep. Yep. Yep. 2% back. We only wanna hold 7% gold. So we'll take it a little over $3,000 out of that one and reinvest back into your portfolio. Okay? Excellent. And then we've got the bank hybrids. These are more of a defensive investment. However, they are being phased out by the government down the track, so we are looking to remove those from your portfolio now. Whilst we are making these big changes, we may as well make all the changes rather than doing this now and then coming back when the government says they have to be removed and having to swap them out at the last minute for you. So removing them out of your portfolio completely. And on the next page there, we're gonna essentially replace the bank hybrids with core composite bonds. That is the very bottom one there. This is giving you exposure to government and corporate bonds. It does also have notes and other defensive assets that are globally, but it is essentially 90% Australian, and it's government and corporate bonds. Having about 8% of this for you keeps you using a high growth kind of environment, which is at ninety ten sort of split we went through. And, essentially, having some defensive assets is good for cash producing. All these other ETFs do provide dividends and things like that, all but the gold. We still wanna see dividends being paid out as well as the income from the core composite bonds. That way, the funds go into your cash account, and we can reinvest it back into the portfolio to continue the compounding effect there for you. Okay? Excellent. And the one above that is the beta shares of the 200, the a 200 there, and that's what will replace the Benelon Australian Equities for you. Okay? Excellent. That can be a lot, but I try to keep it as brief as possible. Is there any questions in relation to any of those at all? No. No. No. Definitely not. It's it's had its day. Back when you sort of went in that originally, that had really great years. Like, the ten plus years prior, it had seemed like a 30% compounding return. Like, it had done really, really well. But since COVID, it hasn't. It has. Yeah. But no. Look. This this newer portfolio gives you greater diversification. It's also cheaper. And what's one of the things I wanted to look at for you is being able to reduce some of the cost within the portfolio. So by lowering your investment fees as much as it's 290 odd dollars, it essentially means it's more money that stays in your super working harder for you as well. And one of the other benefits of this is that there's no CGT cost. So one of the things we talked about was that when I go back and review portfolios, also look at the CDT aspect because your super fund, like you, does a tax return every year. It pays income tax. It pays capital gains tax as well. And so to do these changes, if you look at that fee comparison table, the differences column has zero in it. So there's no capital gains consequences for making these changes. Essentially, any gains that we're cementing from the other investments have all basically been offset by the Benelung main down and any other I think that India was the only other one that was kinda heavily down as well. So we've been able to offset any gains by the losses that have been substantiated within this portfolio. So it works out really well. We can, you know, utilize what has happened, build a better portfolio for it. It's got stronger past performance, which, you know, depending on markets and down the track, can provide you with a greater, better return. And it's also a bit cheaper there for you. So keeping more money invested, working harder for you at the end of the day. And then we'll just make a slight change within your Australian Super account there as well with the amount that we hold back just to make sure that that is also working harder for you, if that makes sense. Yeah. Easy. Underneath that table, you've got the cash account there. So within your super, we only ever wanna hold about 1.25% cash. It does mean that we need to hold a little bit less than what you currently hold there at the moment, but we essentially take any excess cash and just reinvest that along with the portfolio. So you've just got that 1.25 cash sitting there for you. Okay? Excellent. Down further around page 26, this is just sort of running you through the retention of the Australian Super and as well as the towel policy. So we've kinda noted the Australian Super policy holds your life in TPD. It has the any occupation definition in TPD, which is really important to sort of hold for the time being as your TAL TPD is that ADL assisted or activities of daily living for the TPD definition, which is harder to essentially claim on. Yeah. So we wanna make sure that you've got the best of both worlds that you are able to claim on the TBD if anything was to happen to you. So retaining Australian Super gives you that benefit and then still keeping the towel policy. So if you still weren't able to get back to work and if you met that definition that we could still look to claim on that down the track, I still wanna be able to meet and reassess the insurances. Depending on what your job is, I'll go out to the insurance and see, you know, what they're able to come to the party with. You just never know. They might be able to offer me a better definition. And if that's the case, we'll come back and reassess the insurances for you as well. So when you've gone through that probationary period and you're comfortable you wanna reassess that, let me know, and we'll make sure that we go through that and have a chat. Look at what you're after, and I'll go out the market and see what's available there for you. Okay? Easy. The only other parts in here are the retention of your military super. That, as I said, is a bit of a no brainer. That is a great pension that you're receiving there. It's extra money, and it was definitely good support for you whilst you were off work. And that is a lifetime pension, so it is definitely worth making sure you keep that. I've actually got quite a few clients with those sorts of pensions at the moment, and I'm just like, they're very handy to keep. Mhmm. It is. Absolutely. I ended it properly. Yeah. Absolutely. Absolutely. Yeah. Yeah. Of course. Yeah. No. Absolutely. Yeah. And, look, you it's well deserved as well. You put the time in, you search your country, and your country deserves it. They owe you so much more. So bold as that. That's okay. Yeah. Yeah. Yeah. Yeah. No. I understand that. That's all good. So as part of this being a bit of a foundation advice piece, I have got that in there for you. All these strategies do have what's called a best interest duty, which basically has my reasoning on why I've made the recommendations there for you. They also relate them back to your goals, and then then we've also got the advantages, disadvantages, and the risks involved. So if you wanted to take some time after the call to when you've got a bit of a clear head, you wanna run through that, have a bit of a read of everything, let me know if there is any questions. And then if you are happy to take on the recommendations there, I'll get you to sign and return the documents back. The only other part in there to kinda show you is just the beneficiary side of things, the estate planning, and that's on page number sort of 38 onwards. So just making sure that we do have your beneficiaries up to date, and I'll follow-up with the team. I believe the documents were sent to you, and I'll make sure we follow-up and get those applied. Haven't received them yet? They would have been. I did want them to be emailed as well. But if they haven't been emailed as well, I'll get the admin team to follow-up and make sure that is done. Nothing yet? That's okay. I'll follow-up to make sure that gets sorted for you because we do wanna make sure those beneficiaries are in place. If anything was to happen to you, making sure that everything is streamlined to your family is very important at the end of the day there. Okay? The last thing I just wanted to sort of go through and show you is on page number 53 there. So this is the remuneration side of things. You obviously pay an ongoing service fee for us looking after your super and providing advice and assisting you down the track. But we also do receive remuneration from TOW. So we do receive a a percentage of the of the ongoing premium. Essentially, this year is expected to be $558. That is not paid by you in any way, shape, or form. It's paid directly by Cal to us. All advisers receive remuneration for riding insurances. It's just paid to the licensing, not to me directly, unfortunately. But it's about just making sure that we're disclosing everything, being open and honest with you. That has no reflection of the rate the reasoning for keeping the insurances. As I mentioned, everything I do is invest interest in working towards your goals. And when and if you need to review those covers, we will definitely do that. And any new recommendations I make won't be about the remuneration. It's about achieving your goals for you. So I just like to be open and honest and clear and say, here it is. Here's the information just so you can see everything nice and clear there. Okay? Easy. And that is essentially everything. If you decide to take on the recommendations, we do have how to implement down on page 56. It just basically notes that if you are happy to take on board the recommendations when you're comfortable, we get you to sign and return the document back. We'll start by completing the investment switch within your Hub twenty four account. We'll help to do the investment switch within AustralianSuper. Normally, that is a form. Sometimes they ask you to email it to them. Sometimes they'll allow us to do it. We'll always try first. If they don't allow us to email it, we'll just get you to sign it and send it direct to AustralianSuper. We'll do the rollover for you, and then we'll also help you to make sure that the opt in is sorted there. Okay? Easy. That's okay, Luke. Do you have any questions for me? Anything that might have come to mind at all? No? Yep. Yeah. Yeah. That's okay. Yep. Yep. Beautiful. That doesn't mean. Fantastic. Well, I'll make sure to look after you. I do wanna do a catch up with you in about six months. Are you comfortable with that? Did you wanna cuff a catch up prior to that at all? Six months is good? Yep. Beautiful. Fantastic. Well, I'll let you go so you can read the document over. If you do find you have any questions, please let me know. I know it can be a lot to go through, and there's a lot of numbers and things in there. If there is any questions, in my world, there is no such thing as a silly question. If it's something that you wanna know, this is your super. This is the money that you've worked so hard for, and this is your retirement. So I take it very it's very important to me to look after it, and I take it very seriously, and I wanna make sure that we do look after it for you. So if there's anything you ever wanna know, you let me know, and I will make sure I answer it. Okay? Easy. Thank you, Luke. You have a lovely evening. I hope you have a great relaxing weekend. Talk. Will do. Thank you so much. See you later. 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Luke. It's Dana from OKIE Financial. How are you this afternoon? That's good. I had you booked in to go through your updated statement of advice this afternoon.\n\nIs now still a good time there for you? I love it. Fantastic. I do normally send through the document to you via email so you can review it as I'm going through it. Are you able to access your email, sir, at the moment?\n\nFantastic. I'm just sending that one through to you there just because sometimes it's easier to be looking at it as I'm going through it. That way, it doesn't feel like I'm talking at you at all. No worries. Take a cup of tea there with you.\n\nExcellent. Just while you are doing that, I just need to confirm we do record our calls moving forward for training and quality purposes. Are you happy to proceed with that? Legend. And just to do a quick security check there with you as well, just to confirm your full name, your date of birth, and address I should have on file.\n\nYep. Beautiful. Thank you so much for that. And how's the new job going? You've been there for nearly a week?\n\nOh, fantastic. Excellent. It's all going well? Oh, good. Good.\n\nFantastic. Yeah. Absolutely. It makes a big difference getting up and going to work every day. I mean, it can be quite arduous at times, but it still kinda gives you something to do.\n\nI bet. Yeah. Yeah. Absolutely. Yes.\n\nYep. Absolutely. Yeah. Give yeah. Yeah.\n\nGive you a taste of those your time it is when you eventually get to them. I love it. No. That's fantastic. I'm glad you're enjoying your job.\n\nThat's really good to see. Yeah. Oh, good. Yeah. Oh, fantastic.\n\nFantastic. And you were in the process of, you know, getting selling your property as well. How's that going? You're right. So sorry.\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nUnderstandable. Yeah. Yeah. Absolutely. Yes.\n\nYeah. Well, cross yeah. Cross your fingers a few decent nibbles there, so we'll see what happens. Yeah. You do.\n\nAbsolutely. Yeah. No. That's all good. How are you going with that email there?\n\nOh, beautiful. Excellent. So the first page on the document, there is a statement of of advice that I prepared for yourself as of the 08/26/2026. We date it for the date of the presentation, but I've had it updated as well because you are now working. So we are reflecting contributions and things going into the account so you can sort of see where you would where you are tracking for based on your current circumstances.\n\nEssentially, all of our advice is valid for sixty days, so you don't have to sign it today. You can take it back and read it, and let me know if you do happen to have any questions there at all. Okay? On the bottom of that one there, it has my representative details. So I'm a licensed adviser authorized through ASIC, and my registration number is 1304394.\n\nOkay? The next page, as you are kinda scrolling through, is the best interest duty. So it's just important to note that any advice we do provide is done so under the best interest duty, which is part of the corporation's desk. It's about making sure we understand your circumstances in full so we can make sure the advice is appropriate to you and your circumstances, and we are working towards your goals as well. Okay?\n\nOn pages three onwards, we've got kind of the areas that we are scoping in and out with regards to the advice. So we're looking at for this one here, superannuation. You're working towards your goal of being able to retire until about age 67, give or take, when you get to that point. We were looking at removing some under Australian Super account, just making sure we keep those insurances in place for the retaining the Australian super account, just making sure we keep those insurances in place for the time being. So I've recommended and had a strategy put in place there.\n\nSo this is kind of also a foundation SOA as well. So we're sort of starting with this is what we are basing things on now, and we'll kind of track forward from that for you. Okay? And the military super slash pension account, we are retaining that. Obviously, that's kind of a no brainer sort of scenario there.\n\nYou are receiving a regular pension payment from that one, but I wanted to make sure as part of the advice, we had considered everything so we know exactly what you've got coming in, and then we can kinda track forward from there. Okay? And then the estate planning side of things has been considered as well. We have talked about your beneficiaries. I believe my team had sent those documents out to you, but I wanted to incorporate that into the advice as well just to make sure that we had attached on all the areas that are relevant of importance in your circumstances and making sure those beneficiaries are recommended and updated correctly as part of that for you.\n\nOkay? Excellent. Areas that we are not considering as part of the advice is on page sort of six and onwards there. So retirement, you are quite young still. You have a lot of time ahead of you there.\n\nSo because we're only projecting sort of five to ten years down the track, we don't project any longer than ten years ahead. There are too many things that could change in your circumstances, so we don't project out thirty or forty years down the down the track there. We go about retirement for now, and we'll come back and look at that as it becomes more appropriate there for you. Okay? Trauma is one of the insurances that you don't currently hold.\n\nWe're not looking at applying for any new cover at the moment. That'll be something that we do come and look at down the track. As of our last conversation, you weren't employed then. Now you've got a job, but you're in that kind of probationary period. So we just wanna make sure that you kind of are comfortable with that, that you get through your probationary period, and then we'll have a really good look at your circumstances, look at the insurance cover, and I'll see what we can do to help you there, see if we can maybe consolidate and get more appropriate cover for you as well.\n\nOkay? Yeah. Oh, You're right. If you need me to stop at any point or if you need to go and look after anything, you're good. You're good?\n\nExcellent. Fantastic. We are also putting off any additional, like, contributions to super at the moment. One of the things you talked about down the track was when you sell the property, maybe looking at recontributing some of that military super pension back to super, trying to sort of find a way to invest that and grow those funds. We're scoping that out for now, but we'll come back and reevaluate that reevaluate that down the track.\n\nAnd we're also scoping out anything to do with the sale of the property and the proceeds from that. We can come back and talk to you more about that down the track and what to do with the proceeds and what your goals are and, you know, help you along the area down the track as well. Okay? Excellent. I am gonna skip through a fair few pages here because, essentially, you get to go back and have a read to the document.\n\nAnd if I sit here going through 40 pages, you could be here for the next two hours. So if I can get you to scroll down to page number 14 for me, I'll start running you through the recommendations. I'll hit the parts that I need to hit there for you, and then I'll let you go back and have a really good read through it. Excellent. Yeah.\n\nThat's the one. Fantastic. So with this one here, we had a look at your super. You've got your Australian super and your hub 24 there. I am recommending that we retain both of those.\n\nAnd one of the things that happened in the past was we have sort of verbally confirmed we retained Australian Super, but it was never actually a strategy put into place. So this document is essentially giving you a foundation going at the moment. We're gonna retain hub twenty four. We're gonna retain Australian Super. Essentially, within Australian Super.\n\nWe only wanna retain $10,000 there. We do want you to make sure all of your contributions are directed into the Australian Super account, though, because it helps to keep your insurances enforced. There are certain laws around the insurances within within the industry funds where if you don't receive contributions for over sixteen months, the income protection component especially can decrease, and they can also delete the TPD side of things. So keeping your your contributions going into AustralianSuper to begin with, and then we'll every when we do catch ups and reviews with you each year, we'll review how much you have in the AustralianSuper account and sort of roll over anything over that $10,000 there for you. Okay?\n\nExcellent. As a secondary measure as well, I'm also gonna organize and complete an opt in to Australian Super. So we can complete what's called an opt in form, which essentially states that if for any reason you don't receive contributions for that sixteen months and or, you know, something happens within the fund, the balance drops below the minimum, that they won't cancel the insurances. So this is a secondary security measure. It's called an opt in form.\n\nWe'll get you to sign one, and we'll send it to AustralianSuper. That way, they can have that on file just to protect you in the event sort of a secondary measure to keep those insurances enforced there for you. Okay? I did review Hub twenty four and AustralianSuper. Both of them are absolutely fine.\n\nThere's no reason to kind of move out of Hub twenty four for the moment, and Hub twenty four still has a wider range of investment options available. So I was able to look at a way to to maneuver and alter the investment options within Hub 24 for you to make it a bit easier and to alleviate, essentially, the underperforming investments and to remove a few things there for you. Okay? If I can get you to I'm gonna go a little bit backwards now to sort of show you what I'm gonna do with the investments. But if you can roll down for me to page number 21.\n\nYeah. This is the fee comparison table. This is essentially showing you the recommendation with the dollar figure side of it. So at the moment, you've got your hub twenty four and your Australian super account there with your two balances respectively. You've also got administration fees.\n\nYou're paying, sorry, investment fees as well. We've got the ongoing service fee coming out of hub twenty four for our services and looking after everything and contributions also are being factored in because you are now still are now getting them. You've also got some insurance premiums coming out of both Hub twenty four and also Australian Super there. Within the portfolios, you are in a high growth portfolio, and we've kinda looked at the two different accounts. The way you're invested across, you are still in a high growth portfolio across the two of them.\n\nBut when we look at how these investments have been performing on an average over the past five years, it's averaged about 12.80, which look is not a bad return at all, but there have been some underperforming investments that we did wanna look at moving out for you as well. Okay? With with, essentially, the bulk of the recommendations, as I mentioned, I'm gonna retain hub twenty four and AustralianSuper. We wanna roll all about 10,000 out of AustralianSuper to make sure more money is coming into Hub twenty four and being invested in that kind of environment for you. We want your contributions from your employer to go into the AustralianSuper account.\n\nThat way, we've got that measure to keep the insurances rolling in that account for you, and, also, we're gonna apply the opt in form as well. Within AustralianSuper, essentially, between Hub twenty four and AustralianSuper, you will still have administration fees at play there. You're also gonna have investment fees. However, with the newer portfolio, it's actually reducing the amount of investment fees payable. Essentially, we can save you $292 a year by switching these investments.\n\nSo it means more money stays invested in your super working harder for you. Okay? With the ongoing service fee, that does increase a little bit. It is 1.65% per annum, and it is based on the balance in the account. So we do know it increases slightly because the balance in hub twenty four is expected to increase, and this figure also takes into account the first year's growth ex expected growth of the year.\n\nOkay? No change to the insurance premiums because we're not making any changes there. We're retaining the insurances exactly as they are for a bit longer, and I'll make sure once you've gone through your probationary period, we make sure we do a bit of a catch up in six months, see how things are tracking along, and see what you wanna do insurance wise and see what your goals are, and we'll see what we can do to help you to improve on the strategy further. Okay? The newer portfolio between the two is still in that high growth environment, but when we look at how it has performing over the past five years, it's averaged about a 15.71% on a yearly basis.\n\nSo this the portfolio we wanna move you into has the greater potential for greater growth, which means, essentially, if the portfolio can do what it has over the past five years, you could see yourself in a much greater position there. If you scroll down to the next page for me, you'll see the projection table there. I do like to be very honest. Essentially, we are working on past data with investments, so there's definitely no guarantee there. But if when you look at the volatility and what's been going on with the investment portfolios, if they can obtain this kind of return over the next sort of five to ten years, you can sort of see where it's where it's expecting to sort of put you at over that time frame.\n\nSo it is giving you greater growth long term, and we just wanna make sure we review things on a regular basis. And, again, if we find investments that aren't performing properly or the portfolio needs to be updated or altered, then we'll make sure we do that with you as well. Okay? Excellent. If I can get you to go down for me just to page number 23, this has the investment recommended investments in a whole big table with bits and pieces on it there.\n\nOn the first column, you've got the investments that you have currently. Now within AustralianSuper, as I kinda mentioned, the the we're gonna retain 10,000 there. However, I do wanna do a slight switch of the investment. So you are in a balanced portfolio within Australian Super at the moment. I wanna move you that 10,000 we have left over.\n\nI wanna move it into more of a high growth portfolio. They have just a balanced growth and a high growth portfolio. We're gonna when that 10,000 is left in there, switch that into the high growth portfolio so it keeps you in that high growth environment. You were technically in that high growth environment with the balanced portfolio you're in, but the newer high growth portfolio when combined with the Hub twenty four investments can get that greater potential. So even though money is sitting in Australian Super and it's there to kinda look after your insurances, we still want it to be working harder for you at the end of the day.\n\nSo the way this essentially works is we sell all the $37,410 out of that balanced portfolio. Most of it comes over into hub twenty four, and that 10,000 sits in the high growth environment. What we'll probably do to make this work a bit easier for you is we'll do what's called a rollover first. We'll roll the seven 27,410 from AustralianSuper into Hub 24, and then what's left, we'll do the switch with. That way, it works out better for you.\n\nOkay? Excellent. Within Hub twenty four, what we're gonna do investment wise here is with the cybersecurity. At the moment, if you look at the third column, that shows your current weighting within the portfolio. Cybersecurity has been fine.\n\nIt's not been doing bad at all. It has had a lot of ups and downs this year. We wanna hold more of it. It is giving you access to global cybersecurity, and moving forward, there is a lot of, a lot going into that kinda area with the way the government is spending, and there's a lot of growth still to happen there as well. So we wanna hold 8% of your portfolio.\n\nSo it does mean that we are gonna buy a little over a thousand dollars into that for you. BetaShares India, that was one that was underperforming. We talked about that. We didn't like that anymore, so we've removed that completely from your portfolio. So we're gonna sell that down to zero and remove that holding.\n\nYou've also got the global health care again giving you global diversification. We wanna hold eight percent of this investment. You currently have about 6.70%, so we're gonna invest some more money into that for you. The S and P five 100 is still performing very well, has had a lot a lot of ups and downs this year. However, US markets and US securities are still performing very nicely.\n\nIf you wanna hold about 26% in there, you've got about 25.30% there at the moment, so buying a little bit more just to bring you up. We've also got the Raffy the Raffy 200. This one here is still good. You're a little bit overexposed at the moment, so we just wanna sell off a little bit to bring you back to 16%, but we still wanna keep it. It is giving you good diversification into Australian equities, and we're gonna basically have a secondary investment to complement that to go to replace the Benelon Australian equities, which is the other one that was very heavily underperforming in your portfolio there.\n\nOkay? And that's the next one down here. So the Banna Long Australian Equities, that was the one that was down very heavily. We wanted to get rid of that. We are selling that completely out of the portfolio.\n\nAnd, essentially, we are gonna replace that with the BetaShares a 200. So, again, this is another 200 companies in the ASX that's giving you between that and the RASK, they're giving you good diversification into high into big cap companies, essentially. The beta shares a 200 tracks the top 200 companies on the ASX. And by high holding the Rafi and the beta, you are sorry. Yeah.\n\nThe the beta shares a 200 and the Rafi sorry. I can't talk this afternoon. It is giving you exposure to all those those high cap large cap companies. It's giving you essentially great diversification as well because Benelon only held anywhere between 15 to 25 different investments in there. So removing that and adding another 200 companies into the mix is sort of bringing greater diversification, helping to lower the overall risk of your portfolio as well.\n\nAnd it's a more of a passive investment, so it's actually making it cheaper for you to hold. It's partly saving some of your investment fees within the portfolio as well. Okay? Excellent. We talked about keeping a little bit of active management in the portfolio there as well, and that's where we've got the JRegs.\n\nThis is a JPMorgan Global Research enhanced equity fund. This is utilizing JPMorgan's research team to pick and choose where markets might be growing. They look at it globally, so not just in Australia or The US. They look globally, so across the entire globe. It's giving you further diversification, and there's a small active component in this in this investment as well.\n\nSo keeping that gives you a little bit of an actively an actively managed component to your portfolio, which is great, but also keeping costs low. So we're gonna hold about 16% of this investment there for you and buy a little bit 8 of of over $1,800 into that one for you. Okay? Excellent. We've got physical gold in there.\n\n9% at the moment, physical gold has done really, really well. Gold is only a growth asset. It doesn't produce any kind of income, so it is solely a growth asset. It does act defensively depending on, you know, how markets are reacting. People tend to take money out of it and move it into gold as a safe haven when markets aren't doing too well.\n\nBut one important factor with gold is that in order to sort of take advantage of that growth, you do have to rebalance every now and then. So cementing some of the gains and reinvesting those back into the portfolio to assist with the compounding effect. So we are just gonna sell a yep. Yep. Yep.\n\n2% back. We only wanna hold 7% gold. So we'll take it a little over $3,000 out of that one and reinvest back into your portfolio. Okay? Excellent.\n\nAnd then we've got the bank hybrids. These are more of a defensive investment. However, they are being phased out by the government down the track, so we are looking to remove those from your portfolio now. Whilst we are making these big changes, we may as well make all the changes rather than doing this now and then coming back when the government says they have to be removed and having to swap them out at the last minute for you. So removing them out of your portfolio completely.\n\nAnd on the next page there, we're gonna essentially replace the bank hybrids with core composite bonds. That is the very bottom one there. This is giving you exposure to government and corporate bonds. It does also have notes and other defensive assets that are globally, but it is essentially 90% Australian, and it's government and corporate bonds. Having about 8% of this for you keeps you using a high growth kind of environment, which is at ninety ten sort of split we went through.\n\nAnd, essentially, having some defensive assets is good for cash producing. All these other ETFs do provide dividends and things like that, all but the gold. We still wanna see dividends being paid out as well as the income from the core composite bonds. That way, the funds go into your cash account, and we can reinvest it back into the portfolio to continue the compounding effect there for you. Okay?\n\nExcellent. And the one above that is the beta shares of the 200, the a 200 there, and that's what will replace the Benelon Australian Equities for you. Okay? Excellent. That can be a lot, but I try to keep it as brief as possible.\n\nIs there any questions in relation to any of those at all? No. No. No. Definitely not.\n\nIt's it's had its day. Back when you sort of went in that originally, that had really great years. Like, the ten plus years prior, it had seemed like a 30% compounding return. Like, it had done really, really well. But since COVID, it hasn't.\n\nIt has. Yeah. But no. Look. This this newer portfolio gives you greater diversification.\n\nIt's also cheaper. And what's one of the things I wanted to look at for you is being able to reduce some of the cost within the portfolio. So by lowering your investment fees as much as it's 290 odd dollars, it essentially means it's more money that stays in your super working harder for you as well. And one of the other benefits of this is that there's no CGT cost. So one of the things we talked about was that when I go back and review portfolios, also look at the CDT aspect because your super fund, like you, does a tax return every year.\n\nIt pays income tax. It pays capital gains tax as well. And so to do these changes, if you look at that fee comparison table, the differences column has zero in it. So there's no capital gains consequences for making these changes. Essentially, any gains that we're cementing from the other investments have all basically been offset by the Benelung main down and any other I think that India was the only other one that was kinda heavily down as well.\n\nSo we've been able to offset any gains by the losses that have been substantiated within this portfolio. So it works out really well. We can, you know, utilize what has happened, build a better portfolio for it. It's got stronger past performance, which, you know, depending on markets and down the track, can provide you with a greater, better return. And it's also a bit cheaper there for you.\n\nSo keeping more money invested, working harder for you at the end of the day. And then we'll just make a slight change within your Australian Super account there as well with the amount that we hold back just to make sure that that is also working harder for you, if that makes sense. Yeah. Easy. Underneath that table, you've got the cash account there.\n\nSo within your super, we only ever wanna hold about 1.25% cash. It does mean that we need to hold a little bit less than what you currently hold there at the moment, but we essentially take any excess cash and just reinvest that along with the portfolio. So you've just got that 1.25 cash sitting there for you. Okay? Excellent.\n\nDown further around page 26, this is just sort of running you through the retention of the Australian Super and as well as the towel policy. So we've kinda noted the Australian Super policy holds your life in TPD. It has the any occupation definition in TPD, which is really important to sort of hold for the time being as your TAL TPD is that ADL assisted or activities of daily living for the TPD definition, which is harder to essentially claim on. Yeah. So we wanna make sure that you've got the best of both worlds that you are able to claim on the TBD if anything was to happen to you.\n\nSo retaining Australian Super gives you that benefit and then still keeping the towel policy. So if you still weren't able to get back to work and if you met that definition that we could still look to claim on that down the track, I still wanna be able to meet and reassess the insurances. Depending on what your job is, I'll go out to the insurance and see, you know, what they're able to come to the party with. You just never know. They might be able to offer me a better definition.\n\nAnd if that's the case, we'll come back and reassess the insurances for you as well. So when you've gone through that probationary period and you're comfortable you wanna reassess that, let me know, and we'll make sure that we go through that and have a chat. Look at what you're after, and I'll go out the market and see what's available there for you. Okay? Easy.\n\nThe only other parts in here are the retention of your military super. That, as I said, is a bit of a no brainer. That is a great pension that you're receiving there. It's extra money, and it was definitely good support for you whilst you were off work. And that is a lifetime pension, so it is definitely worth making sure you keep that.\n\nI've actually got quite a few clients with those sorts of pensions at the moment, and I'm just like, they're very handy to keep. Mhmm. It is. Absolutely. I ended it properly.\n\nYeah. Absolutely. Absolutely. Yeah. Yeah.\n\nOf course. Yeah. No. Absolutely. Yeah.\n\nAnd, look, you it's well deserved as well. You put the time in, you search your country, and your country deserves it. They owe you so much more. So bold as that. That's okay.\n\nYeah. Yeah. Yeah. Yeah. No.\n\nI understand that. That's all good. So as part of this being a bit of a foundation advice piece, I have got that in there for you. All these strategies do have what's called a best interest duty, which basically has my reasoning on why I've made the recommendations there for you. They also relate them back to your goals, and then then we've also got the advantages, disadvantages, and the risks involved.\n\nSo if you wanted to take some time after the call to when you've got a bit of a clear head, you wanna run through that, have a bit of a read of everything, let me know if there is any questions. And then if you are happy to take on the recommendations there, I'll get you to sign and return the documents back. The only other part in there to kinda show you is just the beneficiary side of things, the estate planning, and that's on page number sort of 38 onwards. So just making sure that we do have your beneficiaries up to date, and I'll follow-up with the team. I believe the documents were sent to you, and I'll make sure we follow-up and get those applied.\n\nHaven't received them yet? They would have been. I did want them to be emailed as well. But if they haven't been emailed as well, I'll get the admin team to follow-up and make sure that is done. Nothing yet?\n\nThat's okay. I'll follow-up to make sure that gets sorted for you because we do wanna make sure those beneficiaries are in place. If anything was to happen to you, making sure that everything is streamlined to your family is very important at the end of the day there. Okay? The last thing I just wanted to sort of go through and show you is on page number 53 there.\n\nSo this is the remuneration side of things. You obviously pay an ongoing service fee for us looking after your super and providing advice and assisting you down the track. But we also do receive remuneration from TOW. So we do receive a a percentage of the of the ongoing premium. Essentially, this year is expected to be $558.\n\nThat is not paid by you in any way, shape, or form. It's paid directly by Cal to us. All advisers receive remuneration for riding insurances. It's just paid to the licensing, not to me directly, unfortunately. But it's about just making sure that we're disclosing everything, being open and honest with you.\n\nThat has no reflection of the rate the reasoning for keeping the insurances. As I mentioned, everything I do is invest interest in working towards your goals. And when and if you need to review those covers, we will definitely do that. And any new recommendations I make won't be about the remuneration. It's about achieving your goals for you.\n\nSo I just like to be open and honest and clear and say, here it is. Here's the information just so you can see everything nice and clear there. Okay? Easy. And that is essentially everything.\n\nIf you decide to take on the recommendations, we do have how to implement down on page 56. It just basically notes that if you are happy to take on board the recommendations when you're comfortable, we get you to sign and return the document back. We'll start by completing the investment switch within your Hub twenty four account. We'll help to do the investment switch within AustralianSuper. Normally, that is a form.\n\nSometimes they ask you to email it to them. Sometimes they'll allow us to do it. We'll always try first. If they don't allow us to email it, we'll just get you to sign it and send it direct to AustralianSuper. We'll do the rollover for you, and then we'll also help you to make sure that the opt in is sorted there.\n\nOkay? Easy. That's okay, Luke. Do you have any questions for me? Anything that might have come to mind at all?\n\nNo? Yep. Yeah. Yeah. That's okay.\n\nYep. Yep. Beautiful. That doesn't mean. Fantastic.\n\nWell, I'll make sure to look after you. I do wanna do a catch up with you in about six months. Are you comfortable with that? Did you wanna cuff a catch up prior to that at all? Six months is good?\n\nYep. Beautiful. Fantastic. Well, I'll let you go so you can read the document over. If you do find you have any questions, please let me know.\n\nI know it can be a lot to go through, and there's a lot of numbers and things in there. If there is any questions, in my world, there is no such thing as a silly question. If it's something that you wanna know, this is your super. This is the money that you've worked so hard for, and this is your retirement. So I take it very it's very important to me to look after it, and I take it very seriously, and I wanna make sure that we do look after it for you.\n\nSo if there's anything you ever wanna know, you let me know, and I will make sure I answer it. Okay? Easy. Thank you, Luke. You have a lovely evening.\n\nI hope you have a great relaxing weekend. Talk. Will do. Thank you so much. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Luke.","start":3.28,"end":3.9199998,"sentiment":"neutral","sentiment_score":0.10713573545217514},{"text":"It's Dana from OKIE Financial.","start":3.9199998,"end":5.52,"sentiment":"neutral","sentiment_score":0.11621010154485703},{"text":"How are you this afternoon?","start":5.52,"end":6.74,"sentiment":"neutral","sentiment_score":0.1695556163787842},{"text":"That's good.","start":9.12,"end":9.76,"sentiment":"positive","sentiment_score":0.6612058281898499},{"text":"I had you booked in to go through your updated statement of advice this afternoon.","start":9.76,"end":13.12,"sentiment":"positive","sentiment_score":0.34511141578356425}],"sentiment":"neutral","sentiment_score":0.28076492943640413,"num_words":29,"start":3.28,"end":13.12},{"sentences":[{"text":"Is now still a good time there for you?","start":13.12,"end":15.105,"sentiment":"neutral","sentiment_score":0.2731936126947403},{"text":"I love it.","start":19.824999,"end":20.625,"sentiment":"positive","sentiment_score":0.8216680884361267},{"text":"Fantastic.","start":20.625,"end":21.125,"sentiment":"positive","sentiment_score":0.7482727766036987},{"text":"I do normally send through the document to you via email so you can review it as I'm going through it.","start":21.664999,"end":26.064999,"sentiment":"positive","sentiment_score":0.35992422699928284},{"text":"Are you able to access your email, sir, at the moment?","start":26.064999,"end":28.41,"sentiment":"neutral","sentiment_score":0.11694046651775186}],"sentiment":"neutral","sentiment_score":0.32259496566322116,"num_words":45,"start":13.12,"end":28.41},{"sentences":[{"text":"Fantastic.","start":32.25,"end":32.75,"sentiment":"positive","sentiment_score":0.6343547105789185},{"text":"I'm just sending that one through to you there just because sometimes it's easier to be looking at it as I'm going through it.","start":33.05,"end":38.41,"sentiment":"positive","sentiment_score":0.43934077645341557},{"text":"That way, it doesn't feel like I'm talking at you at all.","start":38.41,"end":41.309998,"sentiment":"neutral","sentiment_score":0.314192487547795},{"text":"No worries.","start":46.985,"end":47.545002,"sentiment":"neutral","sentiment_score":0.11475689336657524},{"text":"Take a cup of tea there with you.","start":47.545002,"end":49.325,"sentiment":"neutral","sentiment_score":0.18327137641608715}],"sentiment":"positive","sentiment_score":0.3541388934914102,"num_words":47,"start":32.25,"end":49.325},{"sentences":[{"text":"Excellent.","start":51.705,"end":52.205,"sentiment":"positive","sentiment_score":0.469065934419632},{"text":"Just while you are doing that, I just need to confirm we do record our calls moving forward for training and quality purposes.","start":52.825,"end":58.03,"sentiment":"neutral","sentiment_score":0.1957559585571289},{"text":"Are you happy to proceed with 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good.","start":289.525,"end":290.825,"sentiment":"neutral","sentiment_score":0.24335348109404245},{"text":"How are you going with that email there?","start":291.845,"end":293.945,"sentiment":"neutral","sentiment_score":0.20864249020814896}],"sentiment":"neutral","sentiment_score":0.18297575174697808,"num_words":14,"start":282.71,"end":293.945},{"sentences":[{"text":"Oh, beautiful.","start":296.245,"end":297.145,"sentiment":"positive","sentiment_score":0.637880265712738},{"text":"Excellent.","start":297.285,"end":297.785,"sentiment":"neutral","sentiment_score":0.0480809323489666},{"text":"So the first page on the document, there is a statement of of advice that I prepared for yourself as of the 08/26/2026.","start":298.53,"end":306.06998,"sentiment":"neutral","sentiment_score":0.1144254453804182},{"text":"We date it for the date of the presentation, but I've had it updated as well because you are now working.","start":306.37,"end":311.40997,"sentiment":"neutral","sentiment_score":0.23796952196529933},{"text":"So we are reflecting contributions and things going into the account so you can sort of see where you would where you are tracking for based on your current circumstances.","start":311.40997,"end":319.445,"sentiment":"positive","sentiment_score":0.3760798955957095}],"sentiment":"neutral","sentiment_score":0.26279718878787833,"num_words":77,"start":296.245,"end":319.445},{"sentences":[{"text":"Essentially, all of our advice is valid for sixty days, so you don't have to sign it today.","start":320.465,"end":324.545,"sentiment":"positive","sentiment_score":0.413656332426601},{"text":"You can take it back and read it, and let me know if you do happen to have any questions there at all.","start":324.545,"end":329.11002,"sentiment":"positive","sentiment_score":0.44598181610522064},{"text":"Okay?","start":329.11002,"end":329.61002,"sentiment":"neutral","sentiment_score":0.2133708298206329},{"text":"On the bottom of that one there, it has my representative details.","start":331.59,"end":334.39,"sentiment":"neutral","sentiment_score":0.17355990409851074},{"text":"So I'm a licensed adviser authorized through ASIC, and my registration number is 1304394.","start":334.39,"end":340.95,"sentiment":"neutral","sentiment_score":0.169361162930727}],"sentiment":"neutral","sentiment_score":0.32897855461958575,"num_words":68,"start":320.465,"end":340.95},{"sentences":[{"text":"Okay?","start":340.95,"end":341.45,"sentiment":"neutral","sentiment_score":0.13390612602233887},{"text":"The next page, as you are kinda scrolling through, is the best interest duty.","start":343.44498,"end":346.32498,"sentiment":"neutral","sentiment_score":0.06934662216476031},{"text":"So it's just important to note that any advice we do provide is done so under the best interest duty, which is part of the corporation's desk.","start":346.32498,"end":352.00497,"sentiment":"neutral","sentiment_score":0.1116527881887224},{"text":"It's about making sure we understand your circumstances in full so we can make sure the advice is appropriate to you and your circumstances, and we are working towards your goals as well.","start":352.00497,"end":361.69,"sentiment":"neutral","sentiment_score":0.31167515299536963},{"text":"Okay?","start":361.83,"end":362.33,"sentiment":"neutral","sentiment_score":0.06788825243711472}],"sentiment":"neutral","sentiment_score":0.19042832129880002,"num_words":76,"start":340.95,"end":362.33},{"sentences":[{"text":"On pages three onwards, we've got kind of the areas that we are scoping in and out with regards to the advice.","start":364.38998,"end":370.395,"sentiment":"neutral","sentiment_score":0.040805544196204704},{"text":"So we're looking at for this one 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you.","start":442.12997,"end":458.67502,"sentiment":"neutral","sentiment_score":0.26013049611757544}],"sentiment":"neutral","sentiment_score":0.2329136968151597,"num_words":121,"start":422.69498,"end":458.67502},{"sentences":[{"text":"Okay?","start":458.73502,"end":459.23502,"sentiment":"neutral","sentiment_score":0.08350001275539398},{"text":"Excellent.","start":460.655,"end":461.155,"sentiment":"positive","sentiment_score":0.4934021830558777},{"text":"Areas that we are not considering as part of the advice is on page sort of six and onwards there.","start":461.695,"end":466.59003,"sentiment":"neutral","sentiment_score":-0.08441211413592101},{"text":"So retirement, you are quite young still.","start":466.59003,"end":469.71002,"sentiment":"neutral","sentiment_score":-0.23030644016606466},{"text":"You have a lot of time ahead of you 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you.","start":483.935,"end":490.095,"sentiment":"neutral","sentiment_score":0.14430050213228574},{"text":"Okay?","start":490.095,"end":490.595,"sentiment":"neutral","sentiment_score":0.05607811361551285},{"text":"Trauma is one of the insurances that you don't currently hold.","start":492.58,"end":495.46,"sentiment":"neutral","sentiment_score":-0.23552941327745264}],"sentiment":"neutral","sentiment_score":-0.11599578048629933,"num_words":83,"start":471.39,"end":495.46},{"sentences":[{"text":"We're not looking at applying for any new cover at the moment.","start":495.46,"end":498.18,"sentiment":"negative","sentiment_score":-0.34014315406481427},{"text":"That'll be something that we do come and look at down the track.","start":498.18,"end":501.0,"sentiment":"neutral","sentiment_score":-0.16876428574323654},{"text":"As of our last conversation, you weren't employed then.","start":501.3,"end":504.02,"sentiment":"neutral","sentiment_score":-0.12856757475270164},{"text":"Now you've got a job, 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right.","start":541.295,"end":545.81,"sentiment":"neutral","sentiment_score":-0.09320674588282903},{"text":"If you need me to stop at any point or if you need to go and look after anything, you're good.","start":545.81,"end":550.31,"sentiment":"neutral","sentiment_score":-0.08315748526226907},{"text":"You're good?","start":550.61,"end":551.35,"sentiment":"neutral","sentiment_score":-0.12076438590884209}],"sentiment":"neutral","sentiment_score":-0.07845703465864062,"num_words":28,"start":522.96,"end":551.35},{"sentences":[{"text":"Excellent.","start":553.97,"end":554.47,"sentiment":"neutral","sentiment_score":0.30186134576797485},{"text":"Fantastic.","start":555.225,"end":555.725,"sentiment":"positive","sentiment_score":0.5643203258514404},{"text":"We are also putting off any additional, like, contributions to super at the moment.","start":556.90497,"end":560.90497,"sentiment":"neutral","sentiment_score":0.006441581196018628},{"text":"One of the things you talked about down the track was when you sell the property, maybe looking at recontributing some of that military super pension back to super, trying to sort of find a way to invest that and grow those funds.","start":560.90497,"end":571.64,"sentiment":"neutral","sentiment_score":0.058565665079757225},{"text":"We're scoping that out for now, but we'll come back and reevaluate that reevaluate that down the track.","start":571.94,"end":577.16003,"sentiment":"neutral","sentiment_score":0.030046091828909185}],"sentiment":"neutral","sentiment_score":0.05214957220407276,"num_words":77,"start":553.97,"end":577.16003},{"sentences":[{"text":"And we're also scoping out anything to do with the sale of the property and the proceeds from that.","start":577.54004,"end":581.7,"sentiment":"neutral","sentiment_score":0.09484212629889187},{"text":"We can come back and talk to you more about that down the track and what to do with the proceeds and what your goals are and, you know, help you along the area down the track as well.","start":581.7,"end":589.715,"sentiment":"neutral","sentiment_score":0.1916499817982698},{"text":"Okay?","start":589.715,"end":590.215,"sentiment":"neutral","sentiment_score":0.07182420790195465},{"text":"Excellent.","start":591.315,"end":591.815,"sentiment":"positive","sentiment_score":0.4508203864097595},{"text":"I am gonna skip through a fair few pages here because, essentially, you get to go back and have a read to the document.","start":592.515,"end":597.715,"sentiment":"neutral","sentiment_score":0.18997939117252827}],"sentiment":"neutral","sentiment_score":0.1709345199079031,"num_words":84,"start":577.54004,"end":597.715},{"sentences":[{"text":"And if I sit here going through 40 pages, you could be here for the next two hours.","start":597.715,"end":601.75,"sentiment":"neutral","sentiment_score":0.0943471576190657},{"text":"So if I can get you to scroll down to page number 14 for me, I'll start running you through the recommendations.","start":603.17,"end":608.79,"sentiment":"neutral","sentiment_score":0.13342311030084436},{"text":"I'll hit the parts that I need to hit there for you, and then I'll let you go back and have a really good read through it.","start":609.41,"end":614.955,"sentiment":"neutral","sentiment_score":0.16362707454849174},{"text":"Excellent.","start":616.79504,"end":617.29504,"sentiment":"neutral","sentiment_score":0.2320031225681305},{"text":"Yeah.","start":618.79504,"end":619.29504,"sentiment":"neutral","sentiment_score":0.08764256536960602}],"sentiment":"neutral","sentiment_score":0.13581353571751845,"num_words":69,"start":597.715,"end":619.29504},{"sentences":[{"text":"That's the one.","start":621.35504,"end":622.315,"sentiment":"neutral","sentiment_score":0.2347464313109716},{"text":"Fantastic.","start":622.315,"end":622.815,"sentiment":"positive","sentiment_score":0.46667909622192383},{"text":"So with this one here, we had a look at your super.","start":623.435,"end":625.675,"sentiment":"neutral","sentiment_score":0.19119950259725252},{"text":"You've got your Australian super and your hub 24 there.","start":625.675,"end":628.155,"sentiment":"neutral","sentiment_score":0.17521097064018248},{"text":"I am recommending that we retain both of those.","start":628.155,"end":630.73505,"sentiment":"neutral","sentiment_score":0.14361700250042808}],"sentiment":"neutral","sentiment_score":0.18599929000650134,"num_words":35,"start":621.35504,"end":630.73505},{"sentences":[{"text":"And one of the things that happened in the past was we have sort of verbally confirmed we retained Australian Super, but it was never actually a strategy put into place.","start":630.94,"end":638.78,"sentiment":"neutral","sentiment_score":0.08741959833329724},{"text":"So this document is essentially giving you a foundation going at the moment.","start":638.78,"end":642.7,"sentiment":"neutral","sentiment_score":0.19422235282567832},{"text":"We're gonna retain hub twenty four.","start":642.7,"end":644.22003,"sentiment":"neutral","sentiment_score":0.14938950538635254},{"text":"We're gonna retain Australian Super.","start":644.22003,"end":646.24005,"sentiment":"neutral","sentiment_score":0.16076106280088426},{"text":"Essentially, within Australian Super.","start":646.835,"end":648.275,"sentiment":"neutral","sentiment_score":0.16704057902097702}],"sentiment":"neutral","sentiment_score":0.12886784402495724,"num_words":59,"start":630.94,"end":648.275},{"sentences":[{"text":"We only wanna retain $10,000 there.","start":648.275,"end":651.41504,"sentiment":"neutral","sentiment_score":0.1659998819231987},{"text":"We do want you to make sure all of your contributions are directed into the Australian Super account, though, because it helps to keep your insurances enforced.","start":651.47504,"end":658.85504,"sentiment":"neutral","sentiment_score":0.3172816032612765},{"text":"There are certain laws around the insurances within within the industry funds where if you don't receive contributions for over sixteen months, the income protection component especially can decrease, and they can also delete the TPD side of things.","start":659.77997,"end":673.54,"sentiment":"neutral","sentiment_score":-0.10514975023957399},{"text":"So keeping your your contributions going into AustralianSuper to begin with, and then we'll every when we do catch ups and reviews with you each year, we'll review how much you have in the AustralianSuper account and sort of roll over anything over that $10,000 there for you.","start":673.54,"end":689.175,"sentiment":"neutral","sentiment_score":0.2639135584856073},{"text":"Okay?","start":689.175,"end":689.675,"sentiment":"neutral","sentiment_score":0.11106891185045242}],"sentiment":"neutral","sentiment_score":0.15074943834223037,"num_words":121,"start":648.275,"end":689.675},{"sentences":[{"text":"Excellent.","start":691.07,"end":691.57,"sentiment":"positive","sentiment_score":0.6449264287948608},{"text":"As a secondary measure as well, I'm also gonna organize and complete an opt in to Australian Super.","start":691.95,"end":697.15,"sentiment":"positive","sentiment_score":0.3532157639662425},{"text":"So we can complete what's called an opt in form, which essentially states that if for any reason you don't receive contributions for that sixteen months and or, you know, something happens within the fund, the balance drops below the minimum, that they won't cancel the insurances.","start":697.15,"end":712.415,"sentiment":"neutral","sentiment_score":0.1372635435867817},{"text":"So this is a secondary security measure.","start":712.555,"end":714.875,"sentiment":"neutral","sentiment_score":0.2831874021462032},{"text":"It's called an opt in form.","start":714.875,"end":716.315,"sentiment":"neutral","sentiment_score":0.26064712057511014}],"sentiment":"neutral","sentiment_score":0.21519482616759553,"num_words":79,"start":691.07,"end":716.315},{"sentences":[{"text":"We'll get you to sign one, and we'll send it to AustralianSuper.","start":716.315,"end":718.735,"sentiment":"neutral","sentiment_score":0.273270633071661},{"text":"That way, they can have that on file just to protect you in the event sort of a secondary measure to keep those insurances enforced there for you.","start":719.195,"end":726.29,"sentiment":"positive","sentiment_score":0.339810311794281},{"text":"Okay?","start":726.29,"end":726.79,"sentiment":"neutral","sentiment_score":0.1232309341430664},{"text":"I did review Hub twenty four and AustralianSuper.","start":728.61,"end":730.71,"sentiment":"neutral","sentiment_score":0.28980954736471176},{"text":"Both of them are absolutely fine.","start":730.93,"end":732.29,"sentiment":"positive","sentiment_score":0.4838284303744634}],"sentiment":"neutral","sentiment_score":0.32979298586195166,"num_words":55,"start":716.315,"end":732.29},{"sentences":[{"text":"There's no reason to kind of move out of Hub twenty four for the moment, and Hub twenty four still has a wider range of investment options available.","start":732.29,"end":739.66504,"sentiment":"neutral","sentiment_score":0.1541455595621041},{"text":"So I was able to look at a way to to maneuver and alter the investment options within Hub 24 for you to make it a bit easier and to alleviate, essentially, the underperforming investments and to remove a few things there for you.","start":739.66504,"end":752.97003,"sentiment":"neutral","sentiment_score":0.28180610083720903},{"text":"Okay?","start":752.97003,"end":753.47003,"sentiment":"neutral","sentiment_score":0.12513041496276855},{"text":"If I can get you to I'm gonna go a little bit backwards now to sort of show you what I'm gonna do with the investments.","start":754.57,"end":759.69,"sentiment":"neutral","sentiment_score":0.03523912952424815},{"text":"But if you can roll down for me to page number 21.","start":759.69,"end":763.835,"sentiment":"neutral","sentiment_score":0.02033177305323382}],"sentiment":"neutral","sentiment_score":0.162170028502776,"num_words":111,"start":732.29,"end":763.835},{"sentences":[{"text":"Yeah.","start":766.61505,"end":766.93506,"sentiment":"neutral","sentiment_score":0.024788212031126022},{"text":"This is the fee comparison table.","start":766.93506,"end":768.955,"sentiment":"neutral","sentiment_score":0.05127431141833464},{"text":"This is essentially showing you the recommendation with the dollar figure side of it.","start":769.255,"end":773.255,"sentiment":"neutral","sentiment_score":0.09969011321663857},{"text":"So at the moment, you've got your hub twenty four and your Australian super account there with your two balances respectively.","start":773.255,"end":778.99,"sentiment":"neutral","sentiment_score":0.11596704309894926},{"text":"You've also got administration fees.","start":779.77,"end":781.79,"sentiment":"neutral","sentiment_score":0.08015470579266548}],"sentiment":"neutral","sentiment_score":0.09711015105564544,"num_words":47,"start":766.61505,"end":781.79},{"sentences":[{"text":"You're paying, sorry, investment fees as well.","start":782.01,"end":784.99,"sentiment":"neutral","sentiment_score":0.07110223333750453},{"text":"We've got the ongoing service fee coming out of hub twenty four for our services and looking after everything and contributions also are being factored in because you are now still are now getting them.","start":785.13,"end":794.915,"sentiment":"neutral","sentiment_score":0.21948758576597485},{"text":"You've also got some insurance premiums coming out of both Hub twenty four and also Australian Super there.","start":795.13495,"end":801.475,"sentiment":"neutral","sentiment_score":0.15810759945048225},{"text":"Within the portfolios, you are in a high growth portfolio, and we've kinda looked at the two different accounts.","start":802.175,"end":807.48,"sentiment":"neutral","sentiment_score":0.15705613340986402},{"text":"The way you're invested across, you are still in a high growth portfolio across the two of them.","start":807.72,"end":812.36,"sentiment":"neutral","sentiment_score":0.20161328464746475}],"sentiment":"neutral","sentiment_score":0.181843542100228,"num_words":97,"start":782.01,"end":812.36},{"sentences":[{"text":"But when we look at how these investments have been performing on an average over the past five years, it's averaged about 12.80, which look is not a bad return at all, but there have been some underperforming investments that we did wanna look at moving out for you as well.","start":812.36,"end":828.085,"sentiment":"neutral","sentiment_score":0.029903832896083008},{"text":"Okay?","start":828.085,"end":828.585,"sentiment":"neutral","sentiment_score":0.020044395700097084},{"text":"With with, essentially, the bulk of the recommendations, as I mentioned, I'm gonna retain hub twenty four and AustralianSuper.","start":829.925,"end":835.22,"sentiment":"neutral","sentiment_score":0.19976696215177836},{"text":"We wanna roll all about 10,000 out of AustralianSuper to make sure more money is coming into Hub twenty four and being invested in that kind of environment for you.","start":835.68,"end":843.7,"sentiment":"positive","sentiment_score":0.37624711195627847},{"text":"We want your contributions from your employer to go into the AustralianSuper account.","start":844.0,"end":847.92,"sentiment":"positive","sentiment_score":0.3675376566556784}],"sentiment":"neutral","sentiment_score":0.18777293903066924,"num_words":114,"start":812.36,"end":847.92},{"sentences":[{"text":"That way, we've got that measure to keep the insurances rolling in that account for you, and, also, we're gonna apply the opt in form as well.","start":847.92,"end":856.66504,"sentiment":"positive","sentiment_score":0.3504850169022878},{"text":"Within AustralianSuper, essentially, between Hub twenty four and AustralianSuper, you will still have administration fees at play there.","start":857.525,"end":865.305,"sentiment":"neutral","sentiment_score":0.21338947282897103},{"text":"You're also gonna have investment fees.","start":865.64996,"end":868.37,"sentiment":"neutral","sentiment_score":0.26034964993596077},{"text":"However, with the newer portfolio, it's actually reducing the amount of investment fees payable.","start":868.37,"end":873.67,"sentiment":"positive","sentiment_score":0.3633145157779966},{"text":"Essentially, we can save you $292 a year by switching these investments.","start":874.12994,"end":878.62994,"sentiment":"positive","sentiment_score":0.5546124204993248}],"sentiment":"positive","sentiment_score":0.3455578718673099,"num_words":77,"start":847.92,"end":878.62994},{"sentences":[{"text":"So it means more money stays invested in your super working harder for you.","start":879.345,"end":883.365,"sentiment":"positive","sentiment_score":0.4518410563468933},{"text":"Okay?","start":883.425,"end":883.925,"sentiment":"neutral","sentiment_score":0.2575242817401886},{"text":"With the ongoing service fee, that does increase a little bit.","start":886.305,"end":889.425,"sentiment":"neutral","sentiment_score":0.272603683850982},{"text":"It is 1.65% per annum, and it is based on the balance in the account.","start":889.425,"end":893.505,"sentiment":"neutral","sentiment_score":0.1797426144282023},{"text":"So we do know it increases slightly because the balance in hub twenty four is expected to increase, and this figure also takes into account the first year's growth ex expected growth of the year.","start":893.505,"end":904.55,"sentiment":"positive","sentiment_score":0.3904894982065473}],"sentiment":"positive","sentiment_score":0.34138435850802223,"num_words":76,"start":879.345,"end":904.55},{"sentences":[{"text":"Okay?","start":904.55,"end":905.05,"sentiment":"neutral","sentiment_score":0.13505132496356964},{"text":"No change to the insurance premiums because we're not making any changes there.","start":906.87,"end":909.91,"sentiment":"neutral","sentiment_score":-0.03239213417355831},{"text":"We're retaining the insurances exactly as they are for a bit longer, and I'll make sure once you've gone through your probationary period, we make sure we do a bit of a catch up in six months, see how things are tracking along, and see what you wanna do insurance wise and see what your goals are, and we'll see what we can do to help you to improve on the strategy further.","start":909.91,"end":926.97003,"sentiment":"neutral","sentiment_score":0.31235778229693845},{"text":"Okay?","start":927.19,"end":927.69,"sentiment":"neutral","sentiment_score":0.11947333067655563},{"text":"The newer portfolio between the two is still in that high growth environment, but when we look at how it has performing over the past five years, it's averaged about a 15.71% on a yearly basis.","start":929.83,"end":940.365,"sentiment":"neutral","sentiment_score":0.2538545856045352}],"sentiment":"neutral","sentiment_score":0.25624443629696486,"num_words":124,"start":904.55,"end":940.365},{"sentences":[{"text":"So this the portfolio we wanna move you into has the greater potential for greater growth, which means, essentially, if the portfolio can do what it has over the past five years, you could see yourself in a much greater position there.","start":940.445,"end":953.185,"sentiment":"positive","sentiment_score":0.5015617708365122},{"text":"If you scroll down to the next page for me, you'll see the projection table there.","start":954.14,"end":959.84,"sentiment":"neutral","sentiment_score":0.06222705659456551},{"text":"I do like to be very honest.","start":959.98004,"end":961.34,"sentiment":"neutral","sentiment_score":0.21215520799160004},{"text":"Essentially, we are working on past data with investments, so there's definitely no guarantee there.","start":961.34,"end":966.16003,"sentiment":"neutral","sentiment_score":0.12635601535439492},{"text":"But if when you look at the volatility and what's been going on with the investment portfolios, if they can obtain this kind of return over the next sort of five to ten years, you can sort of see where it's where it's expecting to sort of put you at over that time frame.","start":966.32495,"end":980.4,"sentiment":"neutral","sentiment_score":0.2178938696505847}],"sentiment":"neutral","sentiment_score":0.2776710666271288,"num_words":134,"start":940.445,"end":980.4},{"sentences":[{"text":"So it is giving you greater growth long term, and we just wanna make sure we review things on a regular basis.","start":980.4,"end":986.32,"sentiment":"positive","sentiment_score":0.3878170915625312},{"text":"And, again, if we find investments that aren't performing properly or the portfolio needs to be updated or altered, then we'll make sure we do that with you as well.","start":986.32,"end":994.165,"sentiment":"neutral","sentiment_score":0.058285681158304216},{"text":"Okay?","start":994.165,"end":994.665,"sentiment":"neutral","sentiment_score":0.04271567240357399},{"text":"Excellent.","start":996.96497,"end":997.46497,"sentiment":"positive","sentiment_score":0.7264628410339355},{"text":"If I can get you to go down for me just to page number 23, this has the investment recommended investments in a whole big table with bits and pieces on it there.","start":998.40497,"end":1008.66003,"sentiment":"neutral","sentiment_score":0.20496496738809528}],"sentiment":"neutral","sentiment_score":0.20475366536056858,"num_words":87,"start":980.4,"end":1008.66003},{"sentences":[{"text":"On the first column, you've got the investments that you have currently.","start":1010.32,"end":1013.46,"sentiment":"neutral","sentiment_score":0.0842153001576662},{"text":"Now within AustralianSuper, as I kinda mentioned, the the we're gonna retain 10,000 there.","start":1013.76,"end":1019.325,"sentiment":"neutral","sentiment_score":0.09456639949764524},{"text":"However, I do wanna do a slight switch of the investment.","start":1019.805,"end":1022.445,"sentiment":"neutral","sentiment_score":0.09889732775363055},{"text":"So you are in a balanced portfolio within Australian Super at the moment.","start":1022.445,"end":1025.885,"sentiment":"neutral","sentiment_score":0.12087269184681085},{"text":"I wanna move you that 10,000 we have left over.","start":1025.885,"end":1028.785,"sentiment":"neutral","sentiment_score":0.13280319198966026}],"sentiment":"neutral","sentiment_score":0.10536267856756847,"num_words":60,"start":1010.32,"end":1028.785},{"sentences":[{"text":"I wanna move it into more of a high growth portfolio.","start":1028.845,"end":1031.505,"sentiment":"neutral","sentiment_score":0.1552774181420153},{"text":"They have just a balanced growth and a high growth portfolio.","start":1031.725,"end":1034.225,"sentiment":"neutral","sentiment_score":0.1884938139807094},{"text":"We're gonna when that 10,000 is left in there, switch that into the high growth portfolio so it keeps you in that high growth environment.","start":1034.8301,"end":1041.3301,"sentiment":"neutral","sentiment_score":0.20104775369167327},{"text":"You were technically in that high growth environment with the balanced portfolio you're in, but the newer high growth portfolio when combined with the Hub twenty four investments can get that greater potential.","start":1041.87,"end":1051.745,"sentiment":"neutral","sentiment_score":0.2594732671524539},{"text":"So even though money is sitting in Australian Super and it's there to kinda look after your insurances, we still want it to be working harder for you at the end of the day.","start":1051.8049,"end":1060.125,"sentiment":"neutral","sentiment_score":0.004502974998425035}],"sentiment":"neutral","sentiment_score":0.15371400317209855,"num_words":114,"start":1028.845,"end":1060.125},{"sentences":[{"text":"So the way this essentially works is we sell all the $37,410 out of that balanced portfolio.","start":1060.125,"end":1067.3,"sentiment":"neutral","sentiment_score":0.12698620075688644},{"text":"Most of it comes over into hub twenty four, and that 10,000 sits in the high growth environment.","start":1068.4,"end":1073.14,"sentiment":"neutral","sentiment_score":0.1114538920422395},{"text":"What we'll probably do to make this work a bit easier for you is we'll do what's called a rollover first.","start":1073.52,"end":1079.225,"sentiment":"neutral","sentiment_score":0.16774657368659973},{"text":"We'll roll the seven 27,410 from AustralianSuper into Hub 24, and then what's left, we'll do the switch with.","start":1079.225,"end":1088.4249,"sentiment":"neutral","sentiment_score":0.1117096453120834},{"text":"That way, it works out better for you.","start":1088.4249,"end":1090.4249,"sentiment":"neutral","sentiment_score":0.26239228062331676}],"sentiment":"neutral","sentiment_score":0.1434847593127963,"num_words":83,"start":1060.125,"end":1090.4249},{"sentences":[{"text":"Okay?","start":1090.4249,"end":1090.9249,"sentiment":"neutral","sentiment_score":0.108865886926651},{"text":"Excellent.","start":1092.265,"end":1092.765,"sentiment":"positive","sentiment_score":0.4173732101917267},{"text":"Within Hub twenty four, what we're gonna do investment wise here is with the cybersecurity.","start":1093.72,"end":1098.7799,"sentiment":"neutral","sentiment_score":0.11951304078102112},{"text":"At the moment, if you look at the third column, that shows your current weighting within the portfolio.","start":1099.24,"end":1103.6599,"sentiment":"neutral","sentiment_score":0.07229722311927213},{"text":"Cybersecurity has been fine.","start":1104.12,"end":1105.96,"sentiment":"neutral","sentiment_score":0.17494178749620914}],"sentiment":"neutral","sentiment_score":0.11077056089654946,"num_words":39,"start":1090.4249,"end":1105.96},{"sentences":[{"text":"It's not been doing bad at all.","start":1105.96,"end":1108.145,"sentiment":"neutral","sentiment_score":0.0462313038962228},{"text":"It has had a lot of ups and downs this year.","start":1108.145,"end":1110.145,"sentiment":"neutral","sentiment_score":-0.03572432188825174},{"text":"We wanna hold more of it.","start":1110.145,"end":1111.4249,"sentiment":"neutral","sentiment_score":0.11033339550097783},{"text":"It is giving you access to global cybersecurity, and moving forward, there is a lot of, a lot going into that kinda area with the way the government is spending, and there's a lot of growth still to happen there as well.","start":1111.4249,"end":1122.23,"sentiment":"neutral","sentiment_score":0.0866847446277028},{"text":"So we wanna hold 8% of your portfolio.","start":1122.23,"end":1124.49,"sentiment":"neutral","sentiment_score":0.173654830083251}],"sentiment":"neutral","sentiment_score":0.0759817550613268,"num_words":74,"start":1105.96,"end":1124.49},{"sentences":[{"text":"So it does mean that we are gonna buy a little over a thousand dollars into that for you.","start":1124.63,"end":1129.37,"sentiment":"neutral","sentiment_score":0.1908224758348967},{"text":"BetaShares India, that was one that was underperforming.","start":1130.55,"end":1133.0651,"sentiment":"neutral","sentiment_score":-0.32654035463929176},{"text":"We talked about that.","start":1133.285,"end":1134.165,"sentiment":"neutral","sentiment_score":-0.2712267190217972},{"text":"We didn't like that anymore, so we've removed that completely from your portfolio.","start":1134.165,"end":1137.545,"sentiment":"negative","sentiment_score":-0.4447937286817111},{"text":"So we're gonna sell that down to zero and remove that holding.","start":1137.605,"end":1141.0651,"sentiment":"neutral","sentiment_score":-0.24932207291324934}],"sentiment":"neutral","sentiment_score":-0.15796046464570931,"num_words":56,"start":1124.63,"end":1141.0651},{"sentences":[{"text":"You've also got the global health care again giving you global diversification.","start":1142.405,"end":1146.7799,"sentiment":"neutral","sentiment_score":0.32096199318766594},{"text":"We wanna hold eight percent of this investment.","start":1147.1599,"end":1149.32,"sentiment":"neutral","sentiment_score":0.32923916168510914},{"text":"You currently have about 6.70%, so we're gonna invest some more money into that for you.","start":1149.32,"end":1155.4199,"sentiment":"neutral","sentiment_score":0.30055200308561325},{"text":"The S and P five 100 is still performing very well, has had a lot a lot of ups and downs this year.","start":1156.2799,"end":1162.115,"sentiment":"neutral","sentiment_score":0.05650687476863032},{"text":"However, US markets and US securities are still performing very nicely.","start":1162.415,"end":1166.3351,"sentiment":"positive","sentiment_score":0.3606730049306696}],"sentiment":"neutral","sentiment_score":0.23659072050026486,"num_words":70,"start":1142.405,"end":1166.3351},{"sentences":[{"text":"If you wanna hold about 26% in there, you've got about 25.30% there at the moment, so buying a little bit more just to bring you up.","start":1166.3351,"end":1174.5951,"sentiment":"neutral","sentiment_score":0.20476363902842556},{"text":"We've also got the Raffy the Raffy 200.","start":1175.56,"end":1179.42,"sentiment":"neutral","sentiment_score":0.17846284434199333},{"text":"This one here is still good.","start":1179.7201,"end":1181.0801,"sentiment":"positive","sentiment_score":0.3356936772664388},{"text":"You're a little bit overexposed at the moment, so we just wanna sell off a little bit to bring you back to 16%, but we still wanna keep it.","start":1181.0801,"end":1188.04,"sentiment":"neutral","sentiment_score":0.1091798513100065},{"text":"It is giving you good diversification into Australian equities, and we're gonna basically have a secondary investment to complement that to go to replace the Benelon Australian equities, which is the other one that was very heavily underperforming in your portfolio there.","start":1188.04,"end":1204.3,"sentiment":"neutral","sentiment_score":0.11285036908728736}],"sentiment":"neutral","sentiment_score":0.15068227019427077,"num_words":112,"start":1166.3351,"end":1204.3},{"sentences":[{"text":"Okay?","start":1204.3,"end":1204.8,"sentiment":"neutral","sentiment_score":0.022900033742189407},{"text":"And that's the next one down here.","start":1206.38,"end":1208.14,"sentiment":"neutral","sentiment_score":-0.02756754042846816},{"text":"So the Banna Long Australian Equities, that was the one that was down very heavily.","start":1208.14,"end":1211.66,"sentiment":"neutral","sentiment_score":-0.11819867193698883},{"text":"We wanted to get rid of that.","start":1211.66,"end":1213.26,"sentiment":"neutral","sentiment_score":-0.23769302453313554},{"text":"We are selling that completely out of the portfolio.","start":1213.26,"end":1215.6,"sentiment":"neutral","sentiment_score":-0.19087211125426823}],"sentiment":"neutral","sentiment_score":-0.1365321282392893,"num_words":39,"start":1204.3,"end":1215.6},{"sentences":[{"text":"And, essentially, we are gonna replace that with the BetaShares a 200.","start":1216.435,"end":1220.8351,"sentiment":"neutral","sentiment_score":0.038123656840374075},{"text":"So, again, this is another 200 companies in the ASX that's giving you between that and the RASK, they're giving you good diversification into high into big cap companies, essentially.","start":1220.8351,"end":1231.5701,"sentiment":"neutral","sentiment_score":0.21410600319504738},{"text":"The beta shares a 200 tracks the top 200 companies on the ASX.","start":1231.9501,"end":1235.9701,"sentiment":"neutral","sentiment_score":0.11260323914197776},{"text":"And by high holding the Rafi and the beta, you are sorry.","start":1236.03,"end":1240.75,"sentiment":"neutral","sentiment_score":-0.009841758059337735},{"text":"Yeah.","start":1240.75,"end":1241.25,"sentiment":"neutral","sentiment_score":0.016756052151322365}],"sentiment":"neutral","sentiment_score":0.1212229565032484,"num_words":68,"start":1216.435,"end":1241.25},{"sentences":[{"text":"The the beta shares a 200 and the Rafi sorry.","start":1241.87,"end":1244.1901,"sentiment":"neutral","sentiment_score":0.00928734391927719},{"text":"I can't talk this afternoon.","start":1244.1901,"end":1245.4651,"sentiment":"neutral","sentiment_score":-0.06316979750990867},{"text":"It is giving you exposure to all those those high cap large cap companies.","start":1245.925,"end":1250.185,"sentiment":"neutral","sentiment_score":0.04232166055589914},{"text":"It's giving you essentially great diversification as well because Benelon only held anywhere between 15 to 25 different investments in there.","start":1250.7251,"end":1258.44,"sentiment":"positive","sentiment_score":0.4108070603438786},{"text":"So removing that and adding another 200 companies into the mix is sort of bringing greater diversification, helping to lower the overall risk of your portfolio as well.","start":1258.6799,"end":1268.0599,"sentiment":"positive","sentiment_score":0.47559142112731934}],"sentiment":"neutral","sentiment_score":0.28606456100272065,"num_words":78,"start":1241.87,"end":1268.0599},{"sentences":[{"text":"And it's a more of a passive investment, so it's actually making it cheaper for you to hold.","start":1268.44,"end":1272.7599,"sentiment":"positive","sentiment_score":0.5810949338807},{"text":"It's partly saving some of your investment fees within the portfolio as well.","start":1272.7599,"end":1276.925,"sentiment":"positive","sentiment_score":0.4828659605521422},{"text":"Okay?","start":1276.925,"end":1277.425,"sentiment":"neutral","sentiment_score":0.16516143083572388},{"text":"Excellent.","start":1278.765,"end":1279.265,"sentiment":"positive","sentiment_score":0.5427672266960144},{"text":"We talked about keeping a little bit of active management in the portfolio there as well, and that's where we've got the JRegs.","start":1279.805,"end":1285.665,"sentiment":"neutral","sentiment_score":0.2472170448821524}],"sentiment":"positive","sentiment_score":0.41305155333663734,"num_words":56,"start":1268.44,"end":1285.665},{"sentences":[{"text":"This is a JPMorgan Global Research enhanced equity fund.","start":1285.77,"end":1289.47,"sentiment":"neutral","sentiment_score":0.16779893222782347},{"text":"This is utilizing JPMorgan's research team to pick and choose where markets might be growing.","start":1289.93,"end":1295.13,"sentiment":"neutral","sentiment_score":0.1828016479810079},{"text":"They look at it globally, so not just in Australia or The US.","start":1295.13,"end":1298.41,"sentiment":"neutral","sentiment_score":0.14350513082284194},{"text":"They look globally, so across the entire globe.","start":1298.41,"end":1300.99,"sentiment":"neutral","sentiment_score":0.22147748060524464},{"text":"It's giving you further diversification, and there's a small active component in this in this investment as well.","start":1301.1649,"end":1307.885,"sentiment":"positive","sentiment_score":0.3386924664179484}],"sentiment":"neutral","sentiment_score":0.22200104842583337,"num_words":63,"start":1285.77,"end":1307.885},{"sentences":[{"text":"So keeping that gives you a little bit of an actively an actively managed component to your portfolio, which is great, but also keeping costs low.","start":1307.885,"end":1315.4249,"sentiment":"positive","sentiment_score":0.4243084398599771},{"text":"So we're gonna hold about 16% of this investment there for you and buy a little bit 8 of of over $1,800 into that one for you.","start":1315.58,"end":1323.5,"sentiment":"neutral","sentiment_score":0.3069019670839663},{"text":"Okay?","start":1323.5,"end":1324.0,"sentiment":"neutral","sentiment_score":0.09290024638175964},{"text":"Excellent.","start":1325.42,"end":1325.92,"sentiment":"positive","sentiment_score":0.4374905526638031},{"text":"We've got physical gold in there.","start":1326.3,"end":1327.98,"sentiment":"neutral","sentiment_score":0.27029333263635635}],"sentiment":"positive","sentiment_score":0.3519757924998393,"num_words":61,"start":1307.885,"end":1327.98},{"sentences":[{"text":"9% at the moment, physical gold has done really, really well.","start":1327.98,"end":1331.365,"sentiment":"positive","sentiment_score":0.3708072006702423},{"text":"Gold is only a growth asset.","start":1331.4249,"end":1333.025,"sentiment":"neutral","sentiment_score":0.16047328462203345},{"text":"It doesn't produce any kind of income, so it is solely a growth asset.","start":1333.025,"end":1337.265,"sentiment":"neutral","sentiment_score":0.1203505846538714},{"text":"It does act defensively depending on, you know, how markets are reacting.","start":1337.265,"end":1341.0449,"sentiment":"neutral","sentiment_score":0.11002747341990471},{"text":"People tend to take money out of it and move it into gold as a safe haven when markets aren't doing too well.","start":1341.105,"end":1347.22,"sentiment":"neutral","sentiment_score":0.10272095870712529}],"sentiment":"neutral","sentiment_score":0.157720285326694,"num_words":66,"start":1327.98,"end":1347.22},{"sentences":[{"text":"But one important factor with gold is that in order to sort of take advantage of that growth, you do have to rebalance every now and then.","start":1347.84,"end":1355.04,"sentiment":"neutral","sentiment_score":0.10151637800865704},{"text":"So cementing some of the gains and reinvesting those back into the portfolio to assist with the compounding effect.","start":1355.04,"end":1361.345,"sentiment":"positive","sentiment_score":0.4129997507521981},{"text":"So we are just gonna sell a yep.","start":1361.345,"end":1364.965,"sentiment":"neutral","sentiment_score":0.05678171606268734},{"text":"Yep.","start":1366.3049,"end":1366.5449,"sentiment":"neutral","sentiment_score":0.11569663137197496},{"text":"Yep.","start":1366.5449,"end":1366.865,"sentiment":"neutral","sentiment_score":0.11215095221996307}],"sentiment":"neutral","sentiment_score":0.20125069254676678,"num_words":56,"start":1347.84,"end":1366.865},{"sentences":[{"text":"2% back.","start":1366.865,"end":1367.6649,"sentiment":"neutral","sentiment_score":0.10203284025192261},{"text":"We only wanna hold 7% gold.","start":1367.6649,"end":1369.89,"sentiment":"neutral","sentiment_score":0.09506004924575488},{"text":"So we'll take it a little over $3,000 out of that one and reinvest back into your portfolio.","start":1370.4501,"end":1375.11,"sentiment":"neutral","sentiment_score":0.20404960587620735},{"text":"Okay?","start":1375.41,"end":1375.91,"sentiment":"neutral","sentiment_score":0.07224800437688828},{"text":"Excellent.","start":1377.81,"end":1378.31,"sentiment":"positive","sentiment_score":0.4469491243362427}],"sentiment":"neutral","sentiment_score":0.1773755718022585,"num_words":28,"start":1366.865,"end":1378.31},{"sentences":[{"text":"And then we've got the bank hybrids.","start":1378.61,"end":1380.47,"sentiment":"neutral","sentiment_score":0.10322600070919309},{"text":"These are more of a defensive investment.","start":1380.61,"end":1382.77,"sentiment":"neutral","sentiment_score":0.016910255487476076},{"text":"However, they are being phased out by the government down the track, so we are looking to remove those from your portfolio now.","start":1382.77,"end":1388.355,"sentiment":"neutral","sentiment_score":-0.1289188414812088},{"text":"Whilst we are making these big changes, we may as well make all the changes rather than doing this now and then coming back when the government says they have to be removed and having to swap them out at the last minute for you.","start":1388.355,"end":1399.395,"sentiment":"neutral","sentiment_score":-0.08251082864072588},{"text":"So removing them out of your portfolio completely.","start":1399.395,"end":1402.5299,"sentiment":"neutral","sentiment_score":-0.208826445043087}],"sentiment":"neutral","sentiment_score":-0.08341976010964977,"num_words":90,"start":1378.61,"end":1402.5299},{"sentences":[{"text":"And on the next page there, we're gonna essentially replace the bank hybrids with core composite bonds.","start":1403.1499,"end":1409.1499,"sentiment":"neutral","sentiment_score":0.03127951394109165},{"text":"That is the very bottom one there.","start":1409.1499,"end":1411.01,"sentiment":"neutral","sentiment_score":0.0837572483079774},{"text":"This is giving you exposure to government and corporate bonds.","start":1411.23,"end":1414.4299,"sentiment":"neutral","sentiment_score":0.07407555989921093},{"text":"It does also have notes and other defensive assets that are globally, but it is essentially 90% Australian, and it's government and corporate bonds.","start":1414.4299,"end":1423.435,"sentiment":"neutral","sentiment_score":0.08376731149231394},{"text":"Having about 8% of this for you keeps you using a high growth kind of environment, which is at ninety ten sort of split we went through.","start":1423.8151,"end":1430.475,"sentiment":"neutral","sentiment_score":0.21524603526901315}],"sentiment":"neutral","sentiment_score":0.1138925470850047,"num_words":85,"start":1403.1499,"end":1430.475},{"sentences":[{"text":"And, essentially, having some defensive assets is good for cash producing.","start":1430.89,"end":1434.67,"sentiment":"neutral","sentiment_score":0.21807996251366354},{"text":"All these other ETFs do provide dividends and things like that, all but the gold.","start":1435.13,"end":1440.11,"sentiment":"neutral","sentiment_score":0.19954363803068798},{"text":"We still wanna see dividends being paid out as well as the income from the core composite bonds.","start":1440.41,"end":1445.175,"sentiment":"neutral","sentiment_score":0.2938128825691011},{"text":"That way, the funds go into your cash account, and we can reinvest it back into the portfolio to continue the compounding effect there for you.","start":1445.255,"end":1452.135,"sentiment":"positive","sentiment_score":0.35795795229765087},{"text":"Okay?","start":1452.135,"end":1452.635,"sentiment":"neutral","sentiment_score":0.07224024087190628}],"sentiment":"neutral","sentiment_score":0.28253257809810234,"num_words":71,"start":1430.89,"end":1452.635},{"sentences":[{"text":"Excellent.","start":1454.375,"end":1454.875,"sentiment":"positive","sentiment_score":0.3927575349807739},{"text":"And the one above that is the beta shares of the 200, the a 200 there, and that's what will replace the Benelon Australian Equities for you.","start":1455.0951,"end":1462.68,"sentiment":"neutral","sentiment_score":0.20871365622237878},{"text":"Okay?","start":1462.74,"end":1463.24,"sentiment":"neutral","sentiment_score":0.0763968974351883},{"text":"Excellent.","start":1464.42,"end":1464.92,"sentiment":"neutral","sentiment_score":0.06510823965072632},{"text":"That can be a lot, but I try to keep it as brief as possible.","start":1465.54,"end":1468.68,"sentiment":"neutral","sentiment_score":0.07960654770334562}],"sentiment":"neutral","sentiment_score":0.16363621345824667,"num_words":45,"start":1454.375,"end":1468.68},{"sentences":[{"text":"Is there any questions in relation to any of those at all?","start":1468.9,"end":1471.96,"sentiment":"neutral","sentiment_score":0.04571433582653602},{"text":"No.","start":1486.225,"end":1486.725,"sentiment":"neutral","sentiment_score":-0.0915851593017578},{"text":"No.","start":1493.3501,"end":1493.8501,"sentiment":"neutral","sentiment_score":-0.2967906892299652},{"text":"No.","start":1493.91,"end":1494.39,"sentiment":"negative","sentiment_score":-0.3524066209793091},{"text":"Definitely not.","start":1494.39,"end":1495.67,"sentiment":"negative","sentiment_score":-0.36516451835632324}],"sentiment":"neutral","sentiment_score":-0.05426702801795567,"num_words":17,"start":1468.9,"end":1495.67},{"sentences":[{"text":"It's it's had its day.","start":1495.67,"end":1497.1901,"sentiment":"neutral","sentiment_score":-0.17775606215000153},{"text":"Back when you sort of went in that originally, that had really great years.","start":1497.43,"end":1501.6749,"sentiment":"neutral","sentiment_score":0.12670747310455358},{"text":"Like, the ten plus years prior, it had seemed like a 30% compounding return.","start":1501.6749,"end":1506.395,"sentiment":"positive","sentiment_score":0.35445897706917356},{"text":"Like, it had done really, really well.","start":1506.395,"end":1509.0549,"sentiment":"positive","sentiment_score":0.5256726954664502},{"text":"But since COVID, it hasn't.","start":1509.755,"end":1511.5349,"sentiment":"neutral","sentiment_score":-0.05443394184112549}],"sentiment":"neutral","sentiment_score":0.20566864779425992,"num_words":45,"start":1495.67,"end":1511.5349},{"sentences":[{"text":"It has.","start":1528.965,"end":1529.705,"sentiment":"neutral","sentiment_score":-0.1618623360991478},{"text":"Yeah.","start":1529.845,"end":1530.345,"sentiment":"neutral","sentiment_score":-0.062920942902565},{"text":"But no.","start":1530.485,"end":1530.965,"sentiment":"neutral","sentiment_score":-0.14255118370056152},{"text":"Look.","start":1530.965,"end":1531.285,"sentiment":"neutral","sentiment_score":-0.05015797168016434},{"text":"This this newer portfolio gives you greater diversification.","start":1531.285,"end":1534.265,"sentiment":"neutral","sentiment_score":0.2694557663053274}],"sentiment":"neutral","sentiment_score":0.10241001259003367,"num_words":14,"start":1528.965,"end":1534.265},{"sentences":[{"text":"It's also cheaper.","start":1534.5651,"end":1535.365,"sentiment":"positive","sentiment_score":0.41128799319267273},{"text":"And what's one of the things I wanted to look at for you is being able to reduce some of the cost within the portfolio.","start":1535.365,"end":1540.345,"sentiment":"positive","sentiment_score":0.42874140620231627},{"text":"So by lowering your investment fees as much as it's 290 odd dollars, it essentially means it's more money that stays in your super working harder for you as well.","start":1540.645,"end":1550.0599,"sentiment":"positive","sentiment_score":0.5810739119847615},{"text":"And one of the other benefits of this is that there's no CGT cost.","start":1550.0599,"end":1554.0599,"sentiment":"positive","sentiment_score":0.43670045903750826},{"text":"So one of the things we talked about was that when I go back and review portfolios, also look at the CDT aspect because your super fund, like you, does a tax return every year.","start":1554.0599,"end":1563.9349,"sentiment":"neutral","sentiment_score":0.27895817160606384}],"sentiment":"positive","sentiment_score":0.42300896193379556,"num_words":107,"start":1534.5651,"end":1563.9349},{"sentences":[{"text":"It pays income tax.","start":1563.9349,"end":1564.975,"sentiment":"neutral","sentiment_score":0.2626892440021038},{"text":"It pays capital gains tax as well.","start":1564.975,"end":1567.155,"sentiment":"neutral","sentiment_score":0.2795302506004061},{"text":"And so to do these changes, if you look at that fee comparison table, the differences column has zero in it.","start":1567.89,"end":1575.25,"sentiment":"neutral","sentiment_score":0.19564164465381986},{"text":"So there's no capital gains consequences for making these changes.","start":1575.25,"end":1578.87,"sentiment":"neutral","sentiment_score":0.13502347320318223},{"text":"Essentially, any gains that we're cementing from the other investments have all basically been offset by the Benelung main down and any other I think that India was the only other one that was kinda heavily down as well.","start":1579.3301,"end":1589.975,"sentiment":"neutral","sentiment_score":-0.06823356072298992}],"sentiment":"neutral","sentiment_score":0.07166752014539124,"num_words":81,"start":1563.9349,"end":1589.975},{"sentences":[{"text":"So we've been able to offset any gains by the losses that have been substantiated within this portfolio.","start":1589.975,"end":1596.0901,"sentiment":"neutral","sentiment_score":0.18633550902207693},{"text":"So it works out really well.","start":1596.55,"end":1598.31,"sentiment":"positive","sentiment_score":0.7466356952985128},{"text":"We can, you know, utilize what has happened, build a better portfolio for it.","start":1598.31,"end":1603.1901,"sentiment":"positive","sentiment_score":0.6580261247498649},{"text":"It's got stronger past performance, which, you know, depending on markets and down the track, can provide you with a greater, better return.","start":1603.1901,"end":1609.985,"sentiment":"positive","sentiment_score":0.6402798113615616},{"text":"And it's also a bit cheaper there for you.","start":1610.4451,"end":1612.365,"sentiment":"positive","sentiment_score":0.655892120467292}],"sentiment":"positive","sentiment_score":0.5382240546601159,"num_words":70,"start":1589.975,"end":1612.365},{"sentences":[{"text":"So keeping more money invested, working harder for you at the end of the day.","start":1612.365,"end":1616.125,"sentiment":"positive","sentiment_score":0.5158736844857533},{"text":"And then we'll just make a slight change within your Australian Super account there as well with the amount that we hold back just to make sure that that is also working harder for you, if that makes sense.","start":1616.125,"end":1626.3,"sentiment":"neutral","sentiment_score":0.18689544193255594},{"text":"Yeah.","start":1627.56,"end":1628.06,"sentiment":"neutral","sentiment_score":0.1982472538948059},{"text":"Easy.","start":1628.12,"end":1628.62,"sentiment":"neutral","sentiment_score":0.17763324081897736},{"text":"Underneath that table, you've got the cash account there.","start":1629.48,"end":1631.9601,"sentiment":"neutral","sentiment_score":0.07820882068739997}],"sentiment":"neutral","sentiment_score":0.24779672897779026,"num_words":65,"start":1612.365,"end":1631.9601},{"sentences":[{"text":"So within your super, we only ever wanna hold about 1.25% cash.","start":1631.9601,"end":1636.525,"sentiment":"neutral","sentiment_score":0.09195535785208146},{"text":"It does mean that we need to hold a little bit less than what you currently hold there at the moment, but we essentially take any excess cash and just reinvest that along with the portfolio.","start":1636.6649,"end":1647.13,"sentiment":"neutral","sentiment_score":0.09507807116541597},{"text":"So you've just got that 1.25 cash sitting there for you.","start":1647.1901,"end":1651.03,"sentiment":"neutral","sentiment_score":0.2060511207038706},{"text":"Okay?","start":1651.03,"end":1651.53,"sentiment":"neutral","sentiment_score":0.08723294734954834},{"text":"Excellent.","start":1653.11,"end":1653.61,"sentiment":"positive","sentiment_score":0.3955232799053192}],"sentiment":"neutral","sentiment_score":0.11927202313405569,"num_words":61,"start":1631.9601,"end":1653.61},{"sentences":[{"text":"Down further around page 26, this is just sort of running you through the retention of the Australian Super and as well as the towel policy.","start":1654.79,"end":1662.4651,"sentiment":"neutral","sentiment_score":0.05772377077776652},{"text":"So we've kinda noted the Australian Super policy holds your life in TPD.","start":1662.4651,"end":1666.885,"sentiment":"neutral","sentiment_score":0.042520252557901234},{"text":"It has the any occupation definition in TPD, which is really important to sort of hold for the time being as your TAL TPD is that ADL assisted or activities of daily living for the TPD definition, which is harder to essentially claim on.","start":1666.9451,"end":1683.5399,"sentiment":"neutral","sentiment_score":-0.004041399960194461},{"text":"Yeah.","start":1684.24,"end":1684.74,"sentiment":"neutral","sentiment_score":0.10900407284498216},{"text":"So we wanna make sure that you've got the best of both worlds that you are able to claim on the TBD if anything was to happen to you.","start":1684.7999,"end":1691.145,"sentiment":"neutral","sentiment_score":0.24023650381071815}],"sentiment":"neutral","sentiment_score":0.07921789742107874,"num_words":113,"start":1654.79,"end":1691.145},{"sentences":[{"text":"So retaining Australian Super gives you that benefit and then still keeping the towel policy.","start":1691.145,"end":1696.285,"sentiment":"neutral","sentiment_score":0.2411402700507703},{"text":"So if you still weren't able to get back to work and if you met that definition that we could still look to claim on that down the track, I still wanna be able to meet and reassess the insurances.","start":1696.665,"end":1706.92,"sentiment":"neutral","sentiment_score":-0.002283518121112138},{"text":"Depending on what your job is, I'll go out to the insurance and see, you know, what they're able to come to the party with.","start":1708.02,"end":1714.18,"sentiment":"neutral","sentiment_score":0.028207492753863334},{"text":"You just never know.","start":1714.18,"end":1714.98,"sentiment":"neutral","sentiment_score":-0.006866022478789091},{"text":"They might be able to offer me a better definition.","start":1714.98,"end":1717.08,"sentiment":"neutral","sentiment_score":-0.016051877290010452}],"sentiment":"neutral","sentiment_score":0.043010295552642464,"num_words":94,"start":1691.145,"end":1717.08},{"sentences":[{"text":"And if that's the case, we'll come back and reassess the insurances for you as well.","start":1717.425,"end":1722.0651,"sentiment":"neutral","sentiment_score":0.03229101948090829},{"text":"So when you've gone through that probationary period and you're comfortable you wanna reassess that, let me know, and we'll make sure that we go through that and have a chat.","start":1722.0651,"end":1730.7051,"sentiment":"neutral","sentiment_score":0.07996666815973097},{"text":"Look at what you're after, and I'll go out the market and see what's available there for you.","start":1730.7051,"end":1734.91,"sentiment":"neutral","sentiment_score":0.07716809606386556},{"text":"Okay?","start":1735.4501,"end":1735.9501,"sentiment":"neutral","sentiment_score":0.04890364408493042},{"text":"Easy.","start":1737.2101,"end":1737.7101,"sentiment":"neutral","sentiment_score":0.28238213062286377}],"sentiment":"neutral","sentiment_score":0.0703870825149786,"num_words":67,"start":1717.425,"end":1737.7101},{"sentences":[{"text":"The only other parts in here are the retention of your military super.","start":1738.17,"end":1743.39,"sentiment":"neutral","sentiment_score":0.12507867297300926},{"text":"That, as I said, is a bit of a no brainer.","start":1743.53,"end":1745.4501,"sentiment":"neutral","sentiment_score":0.31239320744167676},{"text":"That is a great pension that you're receiving there.","start":1745.4501,"end":1748.175,"sentiment":"positive","sentiment_score":0.7400195797284445},{"text":"It's extra money, and it was definitely good support for you whilst you were off work.","start":1748.175,"end":1752.115,"sentiment":"positive","sentiment_score":0.5962577164173126},{"text":"And that is a lifetime pension, so it is definitely worth making sure you keep that.","start":1752.735,"end":1757.075,"sentiment":"positive","sentiment_score":0.3748589288443327}],"sentiment":"positive","sentiment_score":0.41939062418845985,"num_words":65,"start":1738.17,"end":1757.075},{"sentences":[{"text":"I've actually got quite a few clients with those sorts of pensions at the moment, and I'm just like, they're very handy to keep.","start":1757.535,"end":1764.14,"sentiment":"positive","sentiment_score":0.34771546721458435},{"text":"Mhmm.","start":1764.9199,"end":1765.4199,"sentiment":"neutral","sentiment_score":0.0562887117266655},{"text":"It is.","start":1770.9199,"end":1771.665,"sentiment":"neutral","sentiment_score":-0.0074211349710822105},{"text":"Absolutely.","start":1777.505,"end":1778.005,"sentiment":"neutral","sentiment_score":0.10816636681556702},{"text":"I ended it properly.","start":1780.0651,"end":1781.125,"sentiment":"neutral","sentiment_score":0.03962760604918003}],"sentiment":"neutral","sentiment_score":0.2704154514358379,"num_words":32,"start":1757.535,"end":1781.125},{"sentences":[{"text":"Yeah.","start":1782.145,"end":1782.645,"sentiment":"neutral","sentiment_score":0.1487896889448166},{"text":"Absolutely.","start":1786.56,"end":1787.06,"sentiment":"positive","sentiment_score":0.4434108138084411},{"text":"Absolutely.","start":1788.16,"end":1788.66,"sentiment":"positive","sentiment_score":0.5812673568725586},{"text":"Yeah.","start":1792.4,"end":1792.9,"sentiment":"neutral","sentiment_score":0.1827881634235382},{"text":"Yeah.","start":1797.6001,"end":1797.92,"sentiment":"neutral","sentiment_score":0.05896713584661484}],"sentiment":"neutral","sentiment_score":0.28304463177919387,"num_words":5,"start":1782.145,"end":1797.92},{"sentences":[{"text":"Of course.","start":1797.92,"end":1803.465,"sentiment":"neutral","sentiment_score":0.013400865718722343},{"text":"Yeah.","start":1803.605,"end":1804.105,"sentiment":"neutral","sentiment_score":0.02393301762640476},{"text":"No.","start":1804.165,"end":1804.645,"sentiment":"neutral","sentiment_score":-0.1220322921872139},{"text":"Absolutely.","start":1804.645,"end":1805.145,"sentiment":"neutral","sentiment_score":-0.015605870634317398},{"text":"Yeah.","start":1806.245,"end":1806.725,"sentiment":"neutral","sentiment_score":0.12661230564117432}],"sentiment":"neutral","sentiment_score":0.006618148647248745,"num_words":6,"start":1797.92,"end":1806.725},{"sentences":[{"text":"And, look, you it's well deserved as well.","start":1806.725,"end":1809.065,"sentiment":"positive","sentiment_score":0.54839001968503},{"text":"You put the time in, you search your country, and your country deserves it.","start":1809.125,"end":1812.6499,"sentiment":"positive","sentiment_score":0.4631651256765638},{"text":"They owe you so much more.","start":1812.6499,"end":1813.9299,"sentiment":"neutral","sentiment_score":0.08515877276659012},{"text":"So bold as that.","start":1813.9299,"end":1815.63,"sentiment":"neutral","sentiment_score":0.055611079558730125},{"text":"That's okay.","start":1821.85,"end":1822.51,"sentiment":"neutral","sentiment_score":-0.18116609007120132}],"sentiment":"neutral","sentiment_score":0.33066166740129976,"num_words":34,"start":1806.725,"end":1822.51},{"sentences":[{"text":"Yeah.","start":1824.1699,"end":1824.6699,"sentiment":"neutral","sentiment_score":-0.12909117341041565},{"text":"Yeah.","start":1825.69,"end":1826.19,"sentiment":"neutral","sentiment_score":-0.245683953166008},{"text":"Yeah.","start":1829.085,"end":1829.585,"sentiment":"neutral","sentiment_score":-0.03929877653717995},{"text":"Yeah.","start":1829.885,"end":1830.385,"sentiment":"neutral","sentiment_score":-0.012328263372182846},{"text":"No.","start":1830.6849,"end":1830.845,"sentiment":"neutral","sentiment_score":-0.07512826472520828}],"sentiment":"neutral","sentiment_score":-0.10030608624219894,"num_words":5,"start":1824.1699,"end":1830.845},{"sentences":[{"text":"I understand that.","start":1830.845,"end":1831.725,"sentiment":"neutral","sentiment_score":0.013967881600062052},{"text":"That's all good.","start":1831.725,"end":1832.945,"sentiment":"positive","sentiment_score":0.35035569469134015},{"text":"So as part of this being a bit of a foundation advice piece, I have got that in there for you.","start":1833.4049,"end":1837.8049,"sentiment":"neutral","sentiment_score":0.2670238372825441},{"text":"All these strategies do have what's called a best interest duty, which basically has my reasoning on why I've made the recommendations there for you.","start":1837.8049,"end":1845.36,"sentiment":"neutral","sentiment_score":0.24616239607334137},{"text":"They also relate them back to your goals, and then then we've also got the advantages, disadvantages, and the risks involved.","start":1845.58,"end":1851.895,"sentiment":"neutral","sentiment_score":0.18059193378403074}],"sentiment":"neutral","sentiment_score":0.2280405729192577,"num_words":73,"start":1830.845,"end":1851.895},{"sentences":[{"text":"So if you wanted to take some time after the call to when you've got a bit of a clear head, you wanna run through that, have a bit of a read of everything, let me know if there is any questions.","start":1851.895,"end":1860.635,"sentiment":"neutral","sentiment_score":0.19789353829054607},{"text":"And then if you are happy to take on the recommendations there, I'll get you to sign and return the documents back.","start":1861.095,"end":1866.18,"sentiment":"neutral","sentiment_score":0.2555737461556088},{"text":"The only other part in there to kinda show you is just the beneficiary side of things, the estate planning, and that's on page number sort of 38 onwards.","start":1866.66,"end":1874.92,"sentiment":"neutral","sentiment_score":0.09746062575743117},{"text":"So just making sure that we do have your beneficiaries up to date, and I'll follow-up with the team.","start":1875.14,"end":1879.3,"sentiment":"neutral","sentiment_score":0.11442188095105321},{"text":"I believe the documents were sent to you, and I'll make sure we follow-up and get those applied.","start":1879.3,"end":1885.385,"sentiment":"neutral","sentiment_score":0.06051732641127375}],"sentiment":"neutral","sentiment_score":0.15402951372357515,"num_words":130,"start":1851.895,"end":1885.385},{"sentences":[{"text":"Haven't received them yet?","start":1886.485,"end":1887.785,"sentiment":"neutral","sentiment_score":-0.12044072337448597},{"text":"They would have been.","start":1891.685,"end":1892.885,"sentiment":"neutral","sentiment_score":-0.05370206944644451},{"text":"I did want them to be emailed as well.","start":1892.885,"end":1894.805,"sentiment":"neutral","sentiment_score":-0.0404780540201399},{"text":"But if they haven't been emailed as well, I'll get the admin team to follow-up and make sure that is done.","start":1894.805,"end":1899.68,"sentiment":"neutral","sentiment_score":-0.0847050811031035},{"text":"Nothing yet?","start":1900.06,"end":1901.04,"sentiment":"neutral","sentiment_score":-0.14985151588916779}],"sentiment":"neutral","sentiment_score":-0.07848458481021225,"num_words":40,"start":1886.485,"end":1901.04},{"sentences":[{"text":"That's okay.","start":1903.8201,"end":1904.4601,"sentiment":"neutral","sentiment_score":0.04663506895303726},{"text":"I'll follow-up to make sure that gets sorted for you because we do wanna make sure those beneficiaries are in place.","start":1904.4601,"end":1909.6,"sentiment":"neutral","sentiment_score":0.22472311698255085},{"text":"If anything was to happen to you, making sure that everything is streamlined to your family is very important at the end of the day there.","start":1909.66,"end":1916.7749,"sentiment":"positive","sentiment_score":0.5133868255294286},{"text":"Okay?","start":1916.835,"end":1917.335,"sentiment":"neutral","sentiment_score":0.21366801857948303},{"text":"The last thing I just wanted to sort of go through and show you is on page number 53 there.","start":1918.6749,"end":1923.875,"sentiment":"neutral","sentiment_score":0.07825347390025854}],"sentiment":"neutral","sentiment_score":0.28484643649842056,"num_words":70,"start":1903.8201,"end":1923.875},{"sentences":[{"text":"So this is the remuneration side of things.","start":1923.875,"end":1926.36,"sentiment":"neutral","sentiment_score":0.11786521691828966},{"text":"You obviously pay an ongoing service fee for us looking after your super and providing advice and assisting you down the track.","start":1926.6,"end":1934.54,"sentiment":"neutral","sentiment_score":0.24391891739585184},{"text":"But we also do receive remuneration from TOW.","start":1934.84,"end":1937.4,"sentiment":"neutral","sentiment_score":0.17643256299197674},{"text":"So we do receive a a percentage of the of the ongoing premium.","start":1937.4,"end":1941.82,"sentiment":"neutral","sentiment_score":0.1516750959249643},{"text":"Essentially, this year is expected to be $558.","start":1942.215,"end":1945.4349,"sentiment":"neutral","sentiment_score":0.09235427435487509}],"sentiment":"neutral","sentiment_score":0.17680015023482049,"num_words":59,"start":1923.875,"end":1945.4349},{"sentences":[{"text":"That is not paid by you in any way, shape, or form.","start":1945.575,"end":1948.0549,"sentiment":"neutral","sentiment_score":-0.08464682754129171},{"text":"It's paid directly by Cal to us.","start":1948.0549,"end":1950.235,"sentiment":"neutral","sentiment_score":0.040984204172023704},{"text":"All advisers receive remuneration for riding insurances.","start":1950.9349,"end":1953.995,"sentiment":"neutral","sentiment_score":0.09466289622443062},{"text":"It's just paid to the licensing, not to me directly, unfortunately.","start":1954.375,"end":1957.355,"sentiment":"neutral","sentiment_score":0.02175827900117094},{"text":"But it's about just making sure that we're disclosing everything, being open and honest with you.","start":1958.3201,"end":1963.38,"sentiment":"neutral","sentiment_score":0.23496733605861664}],"sentiment":"neutral","sentiment_score":0.07419973996661182,"num_words":53,"start":1945.575,"end":1963.38},{"sentences":[{"text":"That has no reflection of the rate the reasoning for keeping the insurances.","start":1963.76,"end":1967.7001,"sentiment":"neutral","sentiment_score":0.04502109839366032},{"text":"As I mentioned, everything I do is invest interest in working towards your goals.","start":1967.8401,"end":1972.02,"sentiment":"positive","sentiment_score":0.38332519999572207},{"text":"And when and if you need to review those covers, we will definitely do that.","start":1972.1449,"end":1975.585,"sentiment":"positive","sentiment_score":0.3409591903289159},{"text":"And any new recommendations I make won't be about the remuneration.","start":1975.585,"end":1978.965,"sentiment":"neutral","sentiment_score":0.09763448211279782},{"text":"It's about achieving your goals for you.","start":1979.105,"end":1981.5049,"sentiment":"positive","sentiment_score":0.3922196796962193}],"sentiment":"neutral","sentiment_score":0.2480955332517624,"num_words":60,"start":1963.76,"end":1981.5049},{"sentences":[{"text":"So I just like to be open and honest and clear and say, here it is.","start":1981.5049,"end":1985.1849,"sentiment":"positive","sentiment_score":0.3387431725859642},{"text":"Here's the information just so you can see everything nice and clear there.","start":1985.1849,"end":1989.25,"sentiment":"positive","sentiment_score":0.360155321084536},{"text":"Okay?","start":1989.25,"end":1989.75,"sentiment":"neutral","sentiment_score":0.16300085186958313},{"text":"Easy.","start":1991.9701,"end":1992.4701,"sentiment":"positive","sentiment_score":0.383540391921997},{"text":"And that is essentially everything.","start":1992.77,"end":1994.4701,"sentiment":"neutral","sentiment_score":0.32359438538551333}],"sentiment":"positive","sentiment_score":0.34073397517204285,"num_words":36,"start":1981.5049,"end":1994.4701},{"sentences":[{"text":"If you decide to take on the recommendations, we do have how to implement down on page 56.","start":1995.01,"end":2000.53,"sentiment":"neutral","sentiment_score":0.2810237399405903},{"text":"It just basically notes that if you are happy to take on board the recommendations when you're comfortable, we get you to sign and return the document back.","start":2000.53,"end":2007.735,"sentiment":"positive","sentiment_score":0.3384243542594569},{"text":"We'll start by completing the investment switch within your Hub twenty four account.","start":2008.035,"end":2012.135,"sentiment":"neutral","sentiment_score":0.23501605139328882},{"text":"We'll help to do the investment switch within AustralianSuper.","start":2012.435,"end":2014.775,"sentiment":"neutral","sentiment_score":0.07212765763203303},{"text":"Normally, that is a form.","start":2015.4701,"end":2017.3301,"sentiment":"neutral","sentiment_score":0.024871231243014335}],"sentiment":"neutral","sentiment_score":0.25154826001659647,"num_words":73,"start":1995.01,"end":2017.3301},{"sentences":[{"text":"Sometimes they ask you to email it to them.","start":2017.39,"end":2019.79,"sentiment":"neutral","sentiment_score":0.02032191575401359},{"text":"Sometimes they'll allow us to do it.","start":2019.79,"end":2021.39,"sentiment":"neutral","sentiment_score":0.031664177775382996},{"text":"We'll always try first.","start":2021.39,"end":2022.67,"sentiment":"neutral","sentiment_score":0.035876973532140255},{"text":"If they don't allow us to email it, we'll just get you to sign it and send it direct to AustralianSuper.","start":2022.67,"end":2027.01,"sentiment":"neutral","sentiment_score":0.03997525732432093},{"text":"We'll do the rollover for you, and then we'll also help you to make sure that the opt in is sorted there.","start":2028.365,"end":2034.6849,"sentiment":"neutral","sentiment_score":0.1375935101373629}],"sentiment":"neutral","sentiment_score":0.07007288900277918,"num_words":63,"start":2017.39,"end":2034.6849},{"sentences":[{"text":"Okay?","start":2034.6849,"end":2035.1849,"sentiment":"neutral","sentiment_score":0.09624011814594267},{"text":"Easy.","start":2037.245,"end":2037.745,"sentiment":"positive","sentiment_score":0.5508753061294556},{"text":"That's okay, Luke.","start":2037.8849,"end":2038.6849,"sentiment":"positive","sentiment_score":0.39440202713012695},{"text":"Do you have any questions for me?","start":2038.6849,"end":2040.205,"sentiment":"neutral","sentiment_score":0.1481715046933719},{"text":"Anything that might have come to mind at all?","start":2040.205,"end":2042.3849,"sentiment":"neutral","sentiment_score":0.08988142510255177}],"sentiment":"neutral","sentiment_score":0.17506927925915944,"num_words":21,"start":2034.6849,"end":2042.3849},{"sentences":[{"text":"No?","start":2047.25,"end":2047.75,"sentiment":"neutral","sentiment_score":-0.110394649207592},{"text":"Yep.","start":2053.01,"end":2053.51,"sentiment":"neutral","sentiment_score":-0.08150936663150787},{"text":"Yeah.","start":2055.89,"end":2056.39,"sentiment":"neutral","sentiment_score":-0.08377880603075027},{"text":"Yeah.","start":2060.255,"end":2060.755,"sentiment":"neutral","sentiment_score":-0.10164804756641388},{"text":"That's okay.","start":2062.815,"end":2063.635,"sentiment":"neutral","sentiment_score":-0.06836355477571487}],"sentiment":"neutral","sentiment_score":-0.0856763298312823,"num_words":6,"start":2047.25,"end":2063.635},{"sentences":[{"text":"Yep.","start":2072.41,"end":2072.91,"sentiment":"neutral","sentiment_score":0.03416163846850395},{"text":"Yep.","start":2074.09,"end":2074.59,"sentiment":"neutral","sentiment_score":0.07368330657482147},{"text":"Beautiful.","start":2077.13,"end":2077.63,"sentiment":"neutral","sentiment_score":0.11715087294578552},{"text":"That doesn't mean.","start":2079.21,"end":2080.51,"sentiment":"neutral","sentiment_score":-0.009875565146406492},{"text":"Fantastic.","start":2082.17,"end":2082.67,"sentiment":"positive","sentiment_score":0.44446319341659546}],"sentiment":"neutral","sentiment_score":0.09140461656664099,"num_words":7,"start":2072.41,"end":2082.67},{"sentences":[{"text":"Well, I'll make sure to look after you.","start":2082.89,"end":2084.57,"sentiment":"neutral","sentiment_score":0.2008674144744873},{"text":"I do wanna do a catch up with you in about six months.","start":2084.57,"end":2086.97,"sentiment":"neutral","sentiment_score":0.09155533290826358},{"text":"Are you comfortable with that?","start":2086.97,"end":2088.225,"sentiment":"neutral","sentiment_score":0.06951892152428626},{"text":"Did you wanna cuff a catch up prior to that at all?","start":2088.225,"end":2090.705,"sentiment":"neutral","sentiment_score":0.0014507756568491459},{"text":"Six months is good?","start":2090.705,"end":2091.925,"sentiment":"neutral","sentiment_score":-0.006730724941007793}],"sentiment":"neutral","sentiment_score":0.07464856331768845,"num_words":42,"start":2082.89,"end":2091.925},{"sentences":[{"text":"Yep.","start":2093.985,"end":2094.485,"sentiment":"neutral","sentiment_score":0.16811847686767578},{"text":"Beautiful.","start":2094.625,"end":2095.125,"sentiment":"positive","sentiment_score":0.4991659522056579},{"text":"Fantastic.","start":2095.3452,"end":2095.8452,"sentiment":"positive","sentiment_score":0.4802442193031311},{"text":"Well, I'll let you go so you can read the document over.","start":2096.145,"end":2098.3052,"sentiment":"neutral","sentiment_score":0.19537140553196272},{"text":"If you do find you have any questions, please let me know.","start":2098.3052,"end":2100.96,"sentiment":"neutral","sentiment_score":0.12678703665733337}],"sentiment":"neutral","sentiment_score":0.18568259091288955,"num_words":27,"start":2093.985,"end":2100.96},{"sentences":[{"text":"I know it can be a lot to go through, and there's a lot of numbers and things in there.","start":2101.2,"end":2105.7,"sentiment":"neutral","sentiment_score":-0.05264075603336096},{"text":"If there is any questions, in my world, there is no such thing as a silly question.","start":2105.92,"end":2109.3599,"sentiment":"neutral","sentiment_score":-0.051574481760754305},{"text":"If it's something that you wanna know, this is your super.","start":2109.3599,"end":2111.76,"sentiment":"neutral","sentiment_score":0.23386979374018582},{"text":"This is the money that you've worked so hard for, and this is your retirement.","start":2111.76,"end":2115.06,"sentiment":"positive","sentiment_score":0.35194276372591654},{"text":"So I take it very it's very important to me to look after it, and I take it very seriously, and I wanna make sure that we do look after it for you.","start":2115.185,"end":2122.785,"sentiment":"positive","sentiment_score":0.3499006087129766}],"sentiment":"neutral","sentiment_score":0.18196716629123935,"num_words":96,"start":2101.2,"end":2122.785},{"sentences":[{"text":"So if there's anything you ever wanna know, you let me know, and I will make sure I answer it.","start":2122.785,"end":2127.9402,"sentiment":"neutral","sentiment_score":0.12063184324651957},{"text":"Okay?","start":2129.84,"end":2129.9202,"sentiment":"positive","sentiment_score":0.46848809719085693},{"text":"Easy.","start":2129.9202,"end":2130.4202,"sentiment":"positive","sentiment_score":0.5566024780273438},{"text":"Thank you, Luke.","start":2130.56,"end":2131.36,"sentiment":"positive","sentiment_score":0.7989016572634379},{"text":"You have a lovely evening.","start":2131.36,"end":2132.6401,"sentiment":"positive","sentiment_score":0.8323862075805664}],"sentiment":"neutral","sentiment_score":0.3332121149947246,"num_words":30,"start":2122.785,"end":2132.6401},{"sentences":[{"text":"I hope you have a great relaxing weekend.","start":2132.6401,"end":2134.58,"sentiment":"positive","sentiment_score":0.7239931672811508},{"text":"Talk.","start":2139.105,"end":2139.605,"sentiment":"neutral","sentiment_score":0.14880947768688202},{"text":"Will do.","start":2140.065,"end":2140.805,"sentiment":"neutral","sentiment_score":0.0742979533970356},{"text":"Thank you so much.","start":2141.4248,"end":2142.305,"sentiment":"positive","sentiment_score":0.6463660001754761},{"text":"See you 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Not too bad. Not too bad. Yep. I'm here in my in my kitchen with a cup of tea. I'm ready to go. Yeah. I'll be able to jump on my computer if need be. I won't be No worries. Well, I'll go and I'll go and move myself into the into my where my computer is. Already ahead of you. Yes. Yep. It's Luke Matthew Holman. 20 For the third, nine eighty three, seven Baffa Street, Norfolk, Tasmania. Oh, no. I've been I've been there for a for nearly a month now. Yeah. Going on so far. Yeah. Yeah. Yeah. Tave me business at least. I did I honestly I honestly I did I did for for a small fraction of time, I did enjoy unemployment. It was kinda it was it was it was kinda nice just to to to weigh in sort of an early retirement present a a preview of retirement. You know, every day. Yeah. I'm I'm I'm fortunate enough. I've got I've got a nice lump of savings, and I've got, you know, other sources of income. So I was able to I wasn't I wasn't wasn't overly stressed. I sort of just woke up each day and sort of, you know, well, I don't really have to do much today. Just to do a little bit of housework and housework and lounge about. Yeah. Yeah. Yeah. I was talking talking to my old man. So, you know, I'm trialing out your retirement package that you got going at the moment. It's not it's not not at all. Yeah. Yeah. No. They they they seem they seem to be they seem to be good people. So It's it's yeah. It's still it's hang on one second. Yeah. It's it's it's we've had a we've got a couple of people that are nibbling at it, but no no ironclad offers just yet. There's there's one there's one fellow so there's two. There's a there's a couple, and there's a one fella that's super keen on it, but he's the the fact that I've got a tenant until April next year is a sticking point to him because he's not too sure what he said it's a a tax a tax problem for him. So he's trying he's he's trying with his broker to to swing it, but yeah. So yeah. He's he's been to the property a couple of times now, and he's he's super according to the the real estate agent that I talked to, he's he's very, very keen on the place. So fingers fingers crossed fingers crossed he bites. But, yeah, there was a last last Saturday, there was another couple that are down semi I think they were semi retired. They're downsizing from a bigger house. They wanna move and move into a smaller a smaller house such as such as the one that I have. And, yeah, they were super super keen on it as well because they had, you know, they've because I've done a bit of renovations on, like, bathroom and kitchen and all and the the lounge room and that in it. And, yeah, they're all they're very keen on on the work that has been that have been done in the yeah. So but I haven't heard anything more. So wait and see. Wait and see. Yeah. Yeah. I've got I've got time up my sleeves. Yeah. There's no it doesn't it it doesn't have to it doesn't have to doesn't have to sell tomorrow. Yeah. I'm looking at it as we're speaking. Yep. Yep. Sure. No worries. Okay. Mhmm. Yep. Yep. Yep. Yep. Yep. Yep. Right. Yep. Yeah. Yep. Sure. Sure. One second. I've been summoned to assist, so I told them to go. They'll have to sort sort sort themselves out for the moment. I'm busy. No. No. No. Let's no. Let's get no. Let's get let's get let's get let's get through it. I'll manage without me. Yeah. Yeah. Yeah. Yep. Yeah. Sure. Sure. Yep. Yep. Yep. Page 14. Page 14, strategy recommendations. Yeah. Yes, ma'am. Yep. Yep. Yeah. No worries. No worries. Sure. No worries. Okay. Yep. 21. Okay. Yep. Sure. Sure. Okay. Yep. Sure. No no worries. Yeah. No worries. Yep. No no worries. Yep. Yep. Okay. Sure. Yeah. Yep. Yep. Cool. Yep. Yeah. Yep. You're up. Okay. Okay. Yeah. Okay. So we're taking 2%. We're taking 2% out of that one. Yeah. Okay. No worries. No worries. Yeah. Okay. Okay. No worries. Not not really. It's it's it's it's it is. It's I'm I'm out of my depth here, but, yeah, you know, I remember a couple of years ago where we we we went into the Bennelong one, but, yeah, it's obviously as you're saying, it just hasn't hasn't provided. So yeah. Yeah. Yeah. Well, I remember. I I can't I can't remember the follows. Yeah. I can't remember who I was talking to. It was a few years ago. Yeah. And they they said, yeah. I gotta get on the Ben Long one because, yeah, it's it's it's really, really strong done doing good returns. So it's a bit sad to say that, yeah, when I've when I've jumped into it, it's it's taking a nose dive. No worries. Yep. Yep. Yeah. No worries. No worries. Yeah. Harder to meet. Yeah. Yep. Yep. No worries. No worries. Oh, yep. Oh, it's it's it's one of the it's the silver lining on the on the the ending of my military military career. Like, as much as I as much as I I was looking forward to staying in the military, you know, even though I got out, it's it's it's given me it's given me so much so much freedom. It's it's it's been it's been absolute game changer for me. It's it's it's allowed me to do to do things that normally I wouldn't have been able to do, like, where I currently am now moving to moving just to on on a whim deciding let's move to Tasmania. It's giving giving me yep. Yeah. Yeah. I sort of disagree. I didn't really I didn't really do a great deal. I just, unfortunately, in the in the wrong spot wrong spot at the wrong time, and, unfortunately, my my my knees paid the price. Yeah. Yeah. I can't I can't I don't believe so. Were they were they hard copies or or no. I haven't yeah. I haven't I haven't I haven't, yeah, I haven't seen them, unfortunately. Yeah. Sure. Yep. Yep. Yep. No worries. No worries. Not a problem. Not a problem. Okay. Thank you very much. No. No. No. Sort of. It's yeah. Like, it's well, I would I won't lie to you and say that I fully I fully understand what's going on, but it's it's a lot a lot a lot of numbers and a world that I'm and a financial world that I'm just I don't have any I don't have any interest in what goes on, but I I yeah. Sort of yeah. I can I can see that what you did, you know, trying to move move things into a better performing space, you know, I'm I'm happy happy for you happy for you to do that? If I can get a little bit more out of my super in in the next twenty years, I'll be very happy. Yep. That's sure. No. Six six six months is fine. Six months is fine. Yep. No worries. Thank you very much, Dana. Cheers. You so do I. So do I. I will. Anyway, you you have a good one as well. I'll talk to you talk to you later on. Cheers. Alright. 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Not too bad. Not too bad. Yep. I'm here in my in my kitchen with a cup of tea.\n\nI'm ready to go. Yeah. I'll be able to jump on my computer if need be. I won't be No worries. Well, I'll go and I'll go and move myself into the into my where my computer is.\n\nAlready ahead of you. Yes. Yep. It's Luke Matthew Holman. 20 For the third, nine eighty three, seven Baffa Street, Norfolk, Tasmania.\n\nOh, no. I've been I've been there for a for nearly a month now. Yeah. Going on so far. Yeah.\n\nYeah. Yeah. Tave me business at least. I did I honestly I honestly I did I did for for a small fraction of time, I did enjoy unemployment. It was kinda it was it was it was kinda nice just to to to weigh in sort of an early retirement present a a preview of retirement.\n\nYou know, every day. Yeah. I'm I'm I'm fortunate enough. I've got I've got a nice lump of savings, and I've got, you know, other sources of income. So I was able to I wasn't I wasn't wasn't overly stressed.\n\nI sort of just woke up each day and sort of, you know, well, I don't really have to do much today. Just to do a little bit of housework and housework and lounge about. Yeah. Yeah. Yeah.\n\nI was talking talking to my old man. So, you know, I'm trialing out your retirement package that you got going at the moment. It's not it's not not at all. Yeah. Yeah.\n\nNo. They they they seem they seem to be they seem to be good people. So It's it's yeah. It's still it's hang on one second. Yeah.\n\nIt's it's it's we've had a we've got a couple of people that are nibbling at it, but no no ironclad offers just yet. There's there's one there's one fellow so there's two. There's a there's a couple, and there's a one fella that's super keen on it, but he's the the fact that I've got a tenant until April next year is a sticking point to him because he's not too sure what he said it's a a tax a tax problem for him. So he's trying he's he's trying with his broker to to swing it, but yeah. So yeah.\n\nHe's he's been to the property a couple of times now, and he's he's super according to the the real estate agent that I talked to, he's he's very, very keen on the place. So fingers fingers crossed fingers crossed he bites. But, yeah, there was a last last Saturday, there was another couple that are down semi I think they were semi retired. They're downsizing from a bigger house. They wanna move and move into a smaller a smaller house such as such as the one that I have.\n\nAnd, yeah, they were super super keen on it as well because they had, you know, they've because I've done a bit of renovations on, like, bathroom and kitchen and all and the the lounge room and that in it. And, yeah, they're all they're very keen on on the work that has been that have been done in the yeah. So but I haven't heard anything more. So wait and see. Wait and see.\n\nYeah. Yeah. I've got I've got time up my sleeves. Yeah. There's no it doesn't it it doesn't have to it doesn't have to doesn't have to sell tomorrow.\n\nYeah. I'm looking at it as we're speaking. Yep. Yep. Sure.\n\nNo worries. Okay. Mhmm. Yep. Yep.\n\nYep. Yep. Yep. Yep. Right.\n\nYep. Yeah. Yep. Sure. Sure.\n\nOne second. I've been summoned to assist, so I told them to go. They'll have to sort sort sort themselves out for the moment. I'm busy. No.\n\nNo. No. Let's no. Let's get no. Let's get let's get let's get let's get through it.\n\nI'll manage without me. Yeah. Yeah. Yeah. Yep.\n\nYeah. Sure. Sure. Yep. Yep.\n\nYep. Page 14. Page 14, strategy recommendations. Yeah. Yes, ma'am.\n\nYep. Yep. Yeah. No worries. No worries.\n\nSure. No worries. Okay. Yep. 21.\n\nOkay. Yep. Sure. Sure. Okay.\n\nYep. Sure. No no worries. Yeah. No worries.\n\nYep. No no worries. Yep. Yep. Okay.\n\nSure. Yeah. Yep. Yep. Cool.\n\nYep. Yeah. Yep. You're up. Okay.\n\nOkay. Yeah. Okay. So we're taking 2%. We're taking 2% out of that one.\n\nYeah. Okay. No worries. No worries. Yeah.\n\nOkay. Okay. No worries. Not not really. It's it's it's it's it is.\n\nIt's I'm I'm out of my depth here, but, yeah, you know, I remember a couple of years ago where we we we went into the Bennelong one, but, yeah, it's obviously as you're saying, it just hasn't hasn't provided. So yeah. Yeah. Yeah. Well, I remember.\n\nI I can't I can't remember the follows. Yeah. I can't remember who I was talking to. It was a few years ago. Yeah.\n\nAnd they they said, yeah. I gotta get on the Ben Long one because, yeah, it's it's it's really, really strong done doing good returns. So it's a bit sad to say that, yeah, when I've when I've jumped into it, it's it's taking a nose dive. No worries. Yep.\n\nYep. Yeah. No worries. No worries. Yeah.\n\nHarder to meet. Yeah. Yep. Yep. No worries.\n\nNo worries. Oh, yep. Oh, it's it's it's one of the it's the silver lining on the on the the ending of my military military career. Like, as much as I as much as I I was looking forward to staying in the military, you know, even though I got out, it's it's it's given me it's given me so much so much freedom. It's it's it's been it's been absolute game changer for me.\n\nIt's it's it's allowed me to do to do things that normally I wouldn't have been able to do, like, where I currently am now moving to moving just to on on a whim deciding let's move to Tasmania. It's giving giving me yep. Yeah. Yeah. I sort of disagree.\n\nI didn't really I didn't really do a great deal. I just, unfortunately, in the in the wrong spot wrong spot at the wrong time, and, unfortunately, my my my knees paid the price. Yeah. Yeah. I can't I can't I don't believe so.\n\nWere they were they hard copies or or no. I haven't yeah. I haven't I haven't I haven't, yeah, I haven't seen them, unfortunately. Yeah. Sure.\n\nYep. Yep. Yep. No worries. No worries.\n\nNot a problem. Not a problem. Okay. Thank you very much. No.\n\nNo. No. Sort of. It's yeah. Like, it's well, I would I won't lie to you and say that I fully I fully understand what's going on, but it's it's a lot a lot a lot of numbers and a world that I'm and a financial world that I'm just I don't have any I don't have any interest in what goes on, but I I yeah.\n\nSort of yeah. I can I can see that what you did, you know, trying to move move things into a better performing space, you know, I'm I'm happy happy for you happy for you to do that? If I can get a little bit more out of my super in in the next twenty years, I'll be very happy. Yep. That's sure.\n\nNo. Six six six months is fine. Six months is fine. Yep. No worries.\n\nThank you very much, Dana. Cheers. You so do I. So do I. I will.\n\nAnyway, you you have a good one as well. I'll talk to you talk to you later on. Cheers. Alright. 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worries.","start":1453.6151,"end":1454.3551,"sentiment":"neutral","sentiment_score":0.13174330443143845},{"text":"Yeah.","start":1462.94,"end":1463.26,"sentiment":"neutral","sentiment_score":0.05700398236513138}],"sentiment":"neutral","sentiment_score":0.1229347682424954,"num_words":7,"start":1376.27,"end":1463.26},{"sentences":[{"text":"Okay.","start":1463.26,"end":1463.74,"sentiment":"neutral","sentiment_score":0.05602233856916427},{"text":"Okay.","start":1463.74,"end":1464.22,"sentiment":"neutral","sentiment_score":0.048502117395401},{"text":"No worries.","start":1464.22,"end":1465.0399,"sentiment":"neutral","sentiment_score":0.039202731102705},{"text":"Not not really.","start":1473.855,"end":1474.975,"sentiment":"neutral","sentiment_score":-0.05935471008221308},{"text":"It's it's it's it's it is.","start":1474.975,"end":1478.415,"sentiment":"neutral","sentiment_score":-0.06185413834949335}],"sentiment":"neutral","sentiment_score":-0.02817377247489416,"num_words":13,"start":1463.26,"end":1478.415},{"sentences":[{"text":"It's I'm I'm out of my depth here, but, yeah, you know, I remember a couple of years ago where we we we went into the Bennelong one, but, yeah, it's obviously as you're saying, it just hasn't hasn't provided.","start":1478.415,"end":1492.18,"sentiment":"neutral","sentiment_score":-0.09927230053581297},{"text":"So yeah.","start":1492.56,"end":1498.495,"sentiment":"neutral","sentiment_score":-0.07099375035613775},{"text":"Yeah.","start":1498.495,"end":1498.995,"sentiment":"neutral","sentiment_score":0.05002221092581749},{"text":"Yeah.","start":1509.27,"end":1509.51,"sentiment":"neutral","sentiment_score":0.05476759746670723},{"text":"Well, I remember.","start":1509.51,"end":1510.3099,"sentiment":"neutral","sentiment_score":0.00836754155655702}],"sentiment":"neutral","sentiment_score":-0.08474440615069359,"num_words":47,"start":1478.415,"end":1510.3099},{"sentences":[{"text":"I I can't I can't remember the follows.","start":1510.3099,"end":1512.01,"sentiment":"neutral","sentiment_score":-0.06480207853019238},{"text":"Yeah.","start":1512.55,"end":1512.87,"sentiment":"neutral","sentiment_score":-0.018674444407224655},{"text":"I can't remember who I was talking to.","start":1512.87,"end":1514.3099,"sentiment":"neutral","sentiment_score":-0.054854683112353086},{"text":"It was a few years ago.","start":1514.3099,"end":1515.35,"sentiment":"neutral","sentiment_score":-0.034293245213727154},{"text":"Yeah.","start":1515.35,"end":1515.51,"sentiment":"neutral","sentiment_score":0.00392083078622818}],"sentiment":"neutral","sentiment_score":-0.049073632418488465,"num_words":24,"start":1510.3099,"end":1515.51},{"sentences":[{"text":"And they they said, yeah.","start":1515.51,"end":1517.03,"sentiment":"neutral","sentiment_score":0.022162318229675293},{"text":"I gotta get on the Ben Long one because, yeah, it's it's it's really, really strong done doing good returns.","start":1517.03,"end":1522.7849,"sentiment":"neutral","sentiment_score":0.1946988582611084},{"text":"So it's a bit sad to say that, yeah, when I've when I've jumped into it, it's it's taking a nose dive.","start":1522.7849,"end":1528.325,"sentiment":"negative","sentiment_score":-0.33568320152434433},{"text":"No worries.","start":1625.83,"end":1626.6499,"sentiment":"neutral","sentiment_score":0.10926445201039314},{"text":"Yep.","start":1626.87,"end":1627.37,"sentiment":"neutral","sentiment_score":0.09802266210317612}],"sentiment":"neutral","sentiment_score":-0.06127380222082138,"num_words":50,"start":1515.51,"end":1627.37},{"sentences":[{"text":"Yep.","start":1627.4299,"end":1627.9299,"sentiment":"neutral","sentiment_score":0.10917159169912338},{"text":"Yeah.","start":1651.33,"end":1651.65,"sentiment":"neutral","sentiment_score":0.07097004354000092},{"text":"No worries.","start":1651.65,"end":1652.37,"sentiment":"neutral","sentiment_score":0.09766128659248352},{"text":"No worries.","start":1652.37,"end":1653.11,"sentiment":"neutral","sentiment_score":0.14513827115297318},{"text":"Yeah.","start":1682.605,"end":1682.6849,"sentiment":"neutral","sentiment_score":-0.0420074388384819}],"sentiment":"neutral","sentiment_score":0.08910475884165082,"num_words":7,"start":1627.4299,"end":1682.6849},{"sentences":[{"text":"Harder to meet.","start":1682.6849,"end":1683.4049,"sentiment":"neutral","sentiment_score":-0.12478710214296977},{"text":"Yeah.","start":1683.4049,"end":1683.9049,"sentiment":"neutral","sentiment_score":0.05731983482837677},{"text":"Yep.","start":1684.125,"end":1684.625,"sentiment":"neutral","sentiment_score":0.08110320568084717},{"text":"Yep.","start":1694.9249,"end":1695.4249,"sentiment":"neutral","sentiment_score":0.13736283779144287},{"text":"No worries.","start":1735.7,"end":1736.44,"sentiment":"neutral","sentiment_score":0.11344851925969124}],"sentiment":"neutral","sentiment_score":0.016040201298892498,"num_words":8,"start":1682.6849,"end":1736.44},{"sentences":[{"text":"No worries.","start":1736.58,"end":1737.32,"sentiment":"neutral","sentiment_score":0.1262962371110916},{"text":"Oh, yep.","start":1754.11,"end":1758.9299,"sentiment":"positive","sentiment_score":0.3439771384000778},{"text":"Oh, it's it's it's one of the it's the silver lining on the on the the ending of my military military career.","start":1765.1499,"end":1773.415,"sentiment":"neutral","sentiment_score":0.04697412811219692},{"text":"Like, as much as I as much as I I was looking forward to staying in the military, you know, even though I got out, it's it's it's given me it's given me so much so much freedom.","start":1773.475,"end":1785.63,"sentiment":"neutral","sentiment_score":0.13944741612986514},{"text":"It's it's it's been it's been absolute game changer for me.","start":1787.13,"end":1791.37,"sentiment":"positive","sentiment_score":0.6702325235713612}],"sentiment":"neutral","sentiment_score":0.19527382855614026,"num_words":75,"start":1736.58,"end":1791.37},{"sentences":[{"text":"It's it's it's allowed me to do to do things that normally I wouldn't have been able to do, like, where I currently am now moving to moving just to on on a whim deciding let's move to Tasmania.","start":1791.37,"end":1802.615,"sentiment":"neutral","sentiment_score":0.10585453850814165},{"text":"It's giving giving me yep.","start":1804.115,"end":1807.255,"sentiment":"neutral","sentiment_score":0.024151792377233507},{"text":"Yeah.","start":1813.4801,"end":1813.9801,"sentiment":"neutral","sentiment_score":0.025356601923704147},{"text":"Yeah.","start":1815.4,"end":1815.9,"sentiment":"neutral","sentiment_score":-0.02260650508105755},{"text":"I sort of disagree.","start":1817.2401,"end":1818.3,"sentiment":"neutral","sentiment_score":-0.14112505689263344}],"sentiment":"neutral","sentiment_score":0.0737467166595161,"num_words":50,"start":1791.37,"end":1818.3},{"sentences":[{"text":"I didn't really I didn't really do a great deal.","start":1818.68,"end":1820.68,"sentiment":"neutral","sentiment_score":-0.30008948147296904},{"text":"I just, unfortunately, in the in the wrong spot wrong spot at the wrong time, and, unfortunately, my my my knees paid the price.","start":1820.68,"end":1828.355,"sentiment":"neutral","sentiment_score":-0.3088446520268917},{"text":"Yeah.","start":1867.1,"end":1867.6,"sentiment":"neutral","sentiment_score":0.07182882726192474},{"text":"Yeah.","start":1884.765,"end":1885.005,"sentiment":"neutral","sentiment_score":0.008314152248203754},{"text":"I can't I can't I don't believe so.","start":1885.005,"end":1889.3251,"sentiment":"neutral","sentiment_score":-0.13327263109385967}],"sentiment":"neutral","sentiment_score":-0.2590728302867236,"num_words":44,"start":1818.68,"end":1889.3251},{"sentences":[{"text":"Were they were they hard copies or or no.","start":1889.3251,"end":1898.1799,"sentiment":"neutral","sentiment_score":-0.05874179841743575},{"text":"I haven't yeah.","start":1898.1799,"end":1899.5599,"sentiment":"neutral","sentiment_score":-0.21452592809995016},{"text":"I haven't I haven't I haven't, yeah, I haven't seen them, unfortunately.","start":1899.7,"end":1903.1599,"sentiment":"neutral","sentiment_score":-0.22942108164230982},{"text":"Yeah.","start":1906.735,"end":1907.235,"sentiment":"neutral","sentiment_score":0.1939486563205719},{"text":"Sure.","start":1907.6951,"end":1908.1951,"sentiment":"neutral","sentiment_score":0.23329459130764008}],"sentiment":"neutral","sentiment_score":-0.1345409116206261,"num_words":26,"start":1889.3251,"end":1908.1951},{"sentences":[{"text":"Yep.","start":1910.495,"end":1910.995,"sentiment":"neutral","sentiment_score":0.2784942388534546},{"text":"Yep.","start":1917.215,"end":1917.715,"sentiment":"neutral","sentiment_score":0.19712524116039276},{"text":"Yep.","start":1918.175,"end":1918.675,"sentiment":"neutral","sentiment_score":0.19047260284423828},{"text":"No worries.","start":1989.78,"end":1990.5,"sentiment":"neutral","sentiment_score":0.17112255096435547},{"text":"No worries.","start":1990.5,"end":1991.32,"sentiment":"neutral","sentiment_score":0.23314513266086578}],"sentiment":"neutral","sentiment_score":0.2106610643012183,"num_words":7,"start":1910.495,"end":1991.32},{"sentences":[{"text":"Not a problem.","start":2027.105,"end":2027.9249,"sentiment":"neutral","sentiment_score":0.1531734565893809},{"text":"Not a problem.","start":2028.145,"end":2029.0449,"sentiment":"neutral","sentiment_score":0.13331189503272375},{"text":"Okay.","start":2036.0399,"end":2036.44,"sentiment":"neutral","sentiment_score":0.17698276042938232},{"text":"Thank you very much.","start":2036.44,"end":2037.58,"sentiment":"positive","sentiment_score":0.6273068189620972},{"text":"No.","start":2043.32,"end":2043.3999,"sentiment":"neutral","sentiment_score":-0.07767622172832489}],"sentiment":"neutral","sentiment_score":0.2889991557846467,"num_words":12,"start":2027.105,"end":2043.3999},{"sentences":[{"text":"No.","start":2043.3999,"end":2043.7999,"sentiment":"neutral","sentiment_score":-0.08441714942455292},{"text":"No.","start":2043.7999,"end":2044.2,"sentiment":"neutral","sentiment_score":-0.10332469642162324},{"text":"Sort of.","start":2044.2,"end":2045.02,"sentiment":"neutral","sentiment_score":-0.1454496681690216},{"text":"It's yeah.","start":2045.475,"end":2046.3105,"sentiment":"neutral","sentiment_score":-0.09043863043189049},{"text":"Like, it's well, I would I won't lie to you and say that I fully I fully understand what's going on, but it's it's a lot a lot a lot of numbers and a world that I'm and a financial world that I'm just I don't have any I don't have any interest in what goes on, but I I yeah.","start":2046.3105,"end":2066.0,"sentiment":"neutral","sentiment_score":-0.14261773909579534}],"sentiment":"neutral","sentiment_score":-0.13968956011778383,"num_words":67,"start":2043.3999,"end":2066.0},{"sentences":[{"text":"Sort of yeah.","start":2066.0,"end":2067.2,"sentiment":"neutral","sentiment_score":-0.012536573534210524},{"text":"I can I can see that what you did, you know, trying to move move things into a better performing space, you know, I'm I'm happy happy for you happy for you to do that?","start":2067.2,"end":2076.415,"sentiment":"neutral","sentiment_score":0.08179133486534867},{"text":"If I can get a little bit more out of my super in in the next twenty years, I'll be very happy.","start":2076.415,"end":2081.5552,"sentiment":"neutral","sentiment_score":0.07285255363041704},{"text":"Yep.","start":2087.97,"end":2088.47,"sentiment":"neutral","sentiment_score":0.018357202410697937},{"text":"That's sure.","start":2089.0898,"end":2089.91,"sentiment":"neutral","sentiment_score":0.0046973018907010555}],"sentiment":"neutral","sentiment_score":0.07072372993247376,"num_words":63,"start":2066.0,"end":2089.91},{"sentences":[{"text":"No.","start":2091.25,"end":2091.65,"sentiment":"neutral","sentiment_score":-0.024673394858837128},{"text":"Six six six months is fine.","start":2091.65,"end":2093.3298,"sentiment":"neutral","sentiment_score":0.009938717198868593},{"text":"Six months is fine.","start":2093.3298,"end":2094.47,"sentiment":"neutral","sentiment_score":0.04811570607125759},{"text":"Yep.","start":2124.09,"end":2124.465,"sentiment":"neutral","sentiment_score":0.052219461649656296},{"text":"No worries.","start":2128.3052,"end":2128.945,"sentiment":"neutral","sentiment_score":0.2956126406788826}],"sentiment":"neutral","sentiment_score":0.06220474825905902,"num_words":14,"start":2091.25,"end":2128.945},{"sentences":[{"text":"Thank you very much, Dana.","start":2128.945,"end":2130.225,"sentiment":"positive","sentiment_score":0.6988065004348755},{"text":"Cheers.","start":2130.225,"end":2130.725,"sentiment":"positive","sentiment_score":0.6375196576118469},{"text":"You so do I.","start":2133.2651,"end":2136.2249,"sentiment":"neutral","sentiment_score":0.3295075483620167},{"text":"So do I.","start":2136.2249,"end":2136.865,"sentiment":"neutral","sentiment_score":0.11273568868637085},{"text":"I will.","start":2136.865,"end":2137.585,"sentiment":"neutral","sentiment_score":0.14975157380104065}],"sentiment":"positive","sentiment_score":0.405819504459699,"num_words":15,"start":2128.945,"end":2137.585},{"sentences":[{"text":"Anyway, you you have a good one as well.","start":2137.585,"end":2139.4248,"sentiment":"positive","sentiment_score":0.38494197693136},{"text":"I'll talk to you talk to you later on.","start":2139.4248,"end":2141.2048,"sentiment":"neutral","sentiment_score":0.11315943383508259},{"text":"Cheers.","start":2141.825,"end":2142.325,"sentiment":"positive","sentiment_score":0.5807572603225708},{"text":"Alright.","start":2143.105,"end":2143.605,"sentiment":"neutral","sentiment_score":0.21456430852413175},{"text":"Bye.","start":2143.825,"end":2144.325,"sentiment":"neutral","sentiment_score":-0.11263705790042876}],"sentiment":"neutral","sentiment_score":0.2459808194211551,"num_words":21,"start":2137.585,"end":2144.325}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi, Luke. It's Dana from OKIE Financial. How are you this afternoon?\n\nChannel 1: Yeah. Not too bad. Not too bad.\n\nChannel 0: That's good. I had you booked in to go through your updated statement of advice this afternoon. Is now still a good time there for you?\n\nChannel 1: Yep. I'm here in my in my kitchen with a cup of tea. I'm ready to go.\n\nChannel 0: I love it. Fantastic. I do normally send through the document to you via email so you can review it as I'm going through it. Are you able to access your email, sir, at the moment?\n\nChannel 1: Yeah. I'll be able to jump on my computer if need be.\n\nChannel 0: Fantastic. I'm just sending that one through to you there just because sometimes it's easier to be looking at it as I'm going through it. That\n\nChannel 1: I\n\nChannel 0: way,\n\nChannel 1: won't\n\nChannel 0: it doesn't\n\nChannel 1: be\n\nChannel 0: feel like I'm talking at you at all.\n\nChannel 1: No worries. Well, I'll go and I'll go and move myself into the into my where my computer is.\n\nChannel 0: No worries. Take a cup of tea there with you.\n\nChannel 1: Already ahead of you.\n\nChannel 0: Excellent. Just while you are doing that, I just need to confirm we do record our calls moving forward for training and quality purposes. Are you happy to proceed with that?\n\nChannel 1: Yes.\n\nChannel 0: Legend. And just to do a quick security check there with you as well, just to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Yep. It's Luke Matthew Holman. 20 For the third, nine eighty three, seven Baffa\n\nChannel 0: Yep.\n\nChannel 1: Street, Norfolk, Tasmania.\n\nChannel 0: Beautiful. Thank you so much for that. And how's the new job going? You've been there for nearly a week?\n\nChannel 1: Oh, no. I've been I've been there for a for nearly a month\n\nChannel 0: Oh, fantastic.\n\nChannel 1: now.\n\nChannel 0: Excellent. It's all going well?\n\nChannel 1: Yeah. Going on so far. Yeah.\n\nChannel 0: Oh, good. Good.\n\nChannel 1: Yeah. Yeah. Tave me\n\nChannel 0: Fantastic.\n\nChannel 1: business at least.\n\nChannel 0: Yeah. Absolutely. It makes a big difference getting up and going to work every day. I mean, it can be quite arduous at times, but it still\n\nChannel 1: I\n\nChannel 0: kinda\n\nChannel 1: did\n\nChannel 0: gives\n\nChannel 1: I honestly\n\nChannel 0: you something to do.\n\nChannel 1: I honestly I did I did for for a small fraction of time, I did enjoy unemployment. It was kinda it was it\n\nChannel 0: I\n\nChannel 1: was\n\nChannel 0: bet.\n\nChannel 1: it\n\nChannel 0: Yeah.\n\nChannel 1: was kinda nice just to to to weigh in sort of an early retirement present a a preview of retirement.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: You know, every day. Yeah.\n\nChannel 0: Yes.\n\nChannel 1: I'm I'm I'm fortunate enough. I've got I've got a nice lump of savings, and I've got, you\n\nChannel 0: Yep.\n\nChannel 1: know, other sources of income. So I was able to\n\nChannel 0: Absolutely.\n\nChannel 1: I\n\nChannel 0: Yeah.\n\nChannel 1: wasn't I wasn't wasn't overly stressed. I sort of just woke up each day and sort of, you know, well, I don't really have to do much today. Just to do a little bit\n\nChannel 0: Give\n\nChannel 1: of housework and housework and lounge about.\n\nChannel 0: yeah. Yeah. Give you a taste of those your time it is when you eventually get\n\nChannel 1: Yeah.\n\nChannel 0: to them.\n\nChannel 1: Yeah. Yeah. I was talking talking to my old man. So, you know, I'm trialing out your retirement package that you got going at the moment. It's not it's not\n\nChannel 0: I\n\nChannel 1: not\n\nChannel 0: love\n\nChannel 1: at\n\nChannel 0: it.\n\nChannel 1: all.\n\nChannel 0: No. That's fantastic. I'm glad you're enjoying your job. That's really good to see. Yeah.\n\nChannel 1: Yeah. Yeah. No. They\n\nChannel 0: Oh,\n\nChannel 1: they they seem\n\nChannel 0: good.\n\nChannel 1: they seem to be they seem to be good people. So\n\nChannel 0: Yeah. Oh, fantastic. Fantastic. And you were in the process of, you know, getting selling your property as well. How's that going?\n\nChannel 1: It's it's yeah. It's still it's hang on one second.\n\nChannel 0: You're right. So sorry.\n\nChannel 1: Yeah. It's it's it's we've had a we've got a couple of people that are nibbling at it,\n\nChannel 0: Yep.\n\nChannel 1: but no no ironclad offers just yet. There's\n\nChannel 0: Yeah.\n\nChannel 1: there's one there's one fellow so there's two. There's a there's a couple, and there's a one fella that's super keen on it, but he's the the fact that I've got a tenant until April next year is a sticking point to him because he's not\n\nChannel 0: Yeah.\n\nChannel 1: too sure what he said it's\n\nChannel 0: Yeah.\n\nChannel 1: a a tax a tax problem for him.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Understandable.\n\nChannel 1: he's trying he's he's trying with his broker to to swing it, but yeah. So yeah. He's\n\nChannel 0: Yeah.\n\nChannel 1: he's been to the property a couple of times now, and he's he's super according to the the real estate agent that I talked to, he's he's very, very keen on the place. So\n\nChannel 0: Yeah.\n\nChannel 1: fingers fingers crossed fingers crossed he bites. But, yeah, there\n\nChannel 0: Absolutely.\n\nChannel 1: was a last last Saturday, there was another couple that are down semi I think they were semi retired. They're downsizing from a bigger house. They wanna move and move into a smaller a smaller house such as such as the one that I have. And, yeah, they were\n\nChannel 0: Yes.\n\nChannel 1: super super keen on it as well because they had, you know, they've because I've done a bit of renovations on, like, bathroom and kitchen and all and the the lounge room and that in it. And, yeah, they're all they're very keen on on the work that has been that have been done in the yeah. So but I haven't heard anything more. So\n\nChannel 0: Yeah.\n\nChannel 1: wait and\n\nChannel 0: Well,\n\nChannel 1: see.\n\nChannel 0: cross\n\nChannel 1: Wait and\n\nChannel 0: yeah.\n\nChannel 1: see.\n\nChannel 0: Cross your fingers a few decent nibbles there, so we'll see what happens.\n\nChannel 1: Yeah. Yeah. I've got I've got time up my sleeves. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: There's\n\nChannel 0: You\n\nChannel 1: no\n\nChannel 0: do.\n\nChannel 1: it doesn't\n\nChannel 0: Absolutely.\n\nChannel 1: it it doesn't have to it doesn't have to doesn't have to sell tomorrow.\n\nChannel 0: Yeah. No. That's all good. How are you going with that email there?\n\nChannel 1: Yeah. I'm looking at it as we're speaking.\n\nChannel 0: Oh, beautiful. Excellent. So the first page on the document, there is a statement of of advice that I prepared for yourself as of the 08/26/2026. We date it for the date of the presentation, but I've had it updated as well because you are now working. So we are reflecting contributions and things going into the account so you can\n\nChannel 1: Yep.\n\nChannel 0: sort of see where you would where you are tracking for based on your current circumstances. Essentially,\n\nChannel 1: Yep.\n\nChannel 0: all of our advice is valid for sixty days, so you don't have to sign it today. You can take it back and read it, and let me know if you do happen to have any questions there at all. Okay?\n\nChannel 1: Sure. No worries.\n\nChannel 0: On the bottom of that one there, it has my representative details. So I'm a licensed adviser authorized through ASIC, and my registration number is 1304394. Okay?\n\nChannel 1: Okay.\n\nChannel 0: The next page, as you are kinda scrolling through, is the best interest duty. So it's just important to note that any advice we do provide is done so under the best interest duty, which is part of the corporation's desk. It's about making sure we understand your circumstances in full so we can make sure the advice is appropriate to you and your circumstances, and we are working towards your goals as well. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: On pages three onwards, we've got kind of the areas that we are scoping in and out with regards to the advice. So we're looking at for this one here, superannuation. You're working towards your goal of being able to retire until about age 67, give or take, when you get to that point. We were looking at removing some under\n\nChannel 1: Yep. Yep.\n\nChannel 0: Australian Super account, just making sure we keep those insurances in place for the retaining the Australian super account, just making sure we keep those insurances in place for the time being. So I've\n\nChannel 1: Yep.\n\nChannel 0: recommended and had a strategy put in place there. So this is kind of also a foundation SOA as well. So we're sort of starting with this is what we are basing things on now, and we'll kind of track forward from that for you. Okay? And the military super slash pension account, we are retaining that.\n\nObviously, that's kind of a no brainer sort of scenario there. You are receiving a regular\n\nChannel 1: Yep.\n\nChannel 0: pension payment from that one, but I wanted\n\nChannel 1: Yep.\n\nChannel 0: to make sure as part of the advice, we had considered everything so we know exactly what you've got coming in, and then we can kinda track forward from there. Okay?\n\nChannel 1: Yep.\n\nChannel 0: And then the estate planning side of things has been considered as well. We have talked about your beneficiaries. I believe my team had sent those documents out to you, but I wanted to incorporate that into the advice as well just to make sure that we had attached on all the areas that are relevant of importance in your circumstances and making sure those beneficiaries are recommended and updated correctly as part of that for you. Okay?\n\nChannel 1: Right. Yep.\n\nChannel 0: Excellent. Areas that we are not considering as part of the advice is on page sort of six and onwards there. So retirement, you are quite young still. You have a lot of time ahead of you there. So because we're only projecting sort of five to ten years down the track, we don't project any longer than ten years ahead.\n\nThere are too many things that could change in your circumstances, so we don't project out thirty or forty years down the down the track\n\nChannel 1: Yeah.\n\nChannel 0: there.\n\nChannel 1: Yep.\n\nChannel 0: We go about retirement for now, and we'll come back and look at that as it becomes more appropriate there for you. Okay?\n\nChannel 1: Sure. Sure.\n\nChannel 0: Trauma is one of the insurances that you don't currently hold. We're not looking at applying for any new cover at the moment. That'll be something that we do come and look at down the track. As of our last conversation, you weren't employed then. Now you've got a job, but you're in that kind of probationary period.\n\nSo we just wanna make sure that you kind of are comfortable with that, that you get through your probationary period, and then we'll have a really good look at your circumstances, look at the insurance cover, and I'll see what we can do to help you there, see if we can maybe consolidate and get more appropriate cover for you as well. Okay?\n\nChannel 1: One second.\n\nChannel 0: Yeah.\n\nChannel 1: I've been summoned to assist, so I told them to go. They'll have\n\nChannel 0: Oh,\n\nChannel 1: to sort sort sort themselves out for the moment. I'm busy.\n\nChannel 0: You're right. If you need me to stop at any point or if you need to\n\nChannel 1: No.\n\nChannel 0: go and\n\nChannel 1: No. No.\n\nChannel 0: look\n\nChannel 1: Let's\n\nChannel 0: after anything,\n\nChannel 1: no.\n\nChannel 0: you're\n\nChannel 1: Let's get\n\nChannel 0: good. You're\n\nChannel 1: no.\n\nChannel 0: good?\n\nChannel 1: Let's get let's get let's get let's get through it. I'll manage without\n\nChannel 0: Excellent.\n\nChannel 1: me.\n\nChannel 0: Fantastic. We are also putting off any additional, like, contributions to super at the moment. One of the things you talked about down the track was when you sell the property, maybe looking at recontributing some of that military super pension back to super,\n\nChannel 1: Yeah.\n\nChannel 0: trying to\n\nChannel 1: Yeah.\n\nChannel 0: sort of find a way to invest that and grow those funds. We're scoping\n\nChannel 1: Yeah.\n\nChannel 0: that out for now, but we'll come back and reevaluate that reevaluate that down the track. And we're\n\nChannel 1: Yep.\n\nChannel 0: also scoping out anything to do with the sale of the property and the proceeds from that. We can come back and talk to you more about that down the track and what to do with the proceeds and what your goals are and, you know, help you along the area down the track as well. Okay?\n\nChannel 1: Yeah. Sure. Sure.\n\nChannel 0: Excellent. I am gonna skip through a fair few pages here because, essentially, you get to go back and have a read to the document. And if I sit here going through 40 pages, you could be here for the next two hours.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So if I can get you to scroll down to page number 14 for me, I'll start running you through the recommendations. I'll hit the parts that I need to hit there for you, and then I'll let you go back and have a really good read through it.\n\nChannel 1: Yep.\n\nChannel 0: Excellent.\n\nChannel 1: Page 14. Page\n\nChannel 0: Yeah.\n\nChannel 1: 14, strategy recommendations.\n\nChannel 0: That's the one. Fantastic.\n\nChannel 1: Yeah.\n\nChannel 0: So with this one here, we had a look at your super. You've got your Australian super and your hub 24 there. I am recommending that we retain both of those.\n\nChannel 1: Yes,\n\nChannel 0: And one of the things that happened in the past was we have sort of verbally confirmed we retained\n\nChannel 1: ma'am.\n\nChannel 0: Australian Super, but it was never actually a strategy put into place. So this document is essentially giving you a foundation going at the moment. We're gonna retain hub twenty four. We're gonna retain Australian Super. Essentially, within Australian Super.\n\nWe only wanna retain $10,000 there. We do want you to make sure all of your contributions are directed into the Australian Super account, though, because it helps to keep your insurances enforced. There\n\nChannel 1: Yep.\n\nChannel 0: are certain laws around the insurances within within the industry funds where if you don't receive contributions for over sixteen months, the income protection component especially can decrease, and they can also delete the TPD side of things. So keeping\n\nChannel 1: Yep.\n\nChannel 0: your your contributions going into AustralianSuper to begin with, and then we'll every when we do catch ups and reviews with you each year, we'll review how much you have in the AustralianSuper account and sort of roll over anything over that $10,000 there for you. Okay?\n\nChannel 1: Yeah. No worries. No worries.\n\nChannel 0: Excellent. As a secondary measure as well, I'm also gonna organize and complete an opt in to Australian Super. So we can complete what's called an opt in form, which essentially states that if for any reason you don't receive contributions for that sixteen months and or, you know, something happens within the fund, the balance drops below the minimum, that they won't cancel the insurances. So this is a secondary\n\nChannel 1: Sure.\n\nChannel 0: security measure. It's called an opt in form. We'll get you to sign one, and we'll send it to AustralianSuper. That way, they can have that on file just to protect you in the event sort of a secondary measure to keep those insurances enforced there for you. Okay?\n\nChannel 1: No worries.\n\nChannel 0: I did review Hub twenty four and AustralianSuper. Both of them are absolutely fine. There's no reason to kind of move out of Hub twenty four for the moment, and Hub twenty four still has a wider range of investment options available. So I was able to look at a way to to maneuver and alter the investment options within Hub 24 for you to make it a bit easier and to alleviate, essentially, the underperforming investments and to remove a few things there for you. Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: If I can get you to I'm gonna go a little bit backwards now to sort of show you what I'm gonna do with the investments. But if you can roll down for me to page number 21.\n\nChannel 1: 21.\n\nChannel 0: Yeah. This is the fee comparison table. This is essentially showing\n\nChannel 1: Okay.\n\nChannel 0: you the recommendation with the dollar figure side of it. So at the moment, you've got your hub twenty four and your Australian super account there with your two balances respectively. You've also got\n\nChannel 1: Yep.\n\nChannel 0: administration fees. You're paying, sorry, investment fees as well. We've got the ongoing service fee coming out of hub twenty four for our services and looking after everything and contributions also are being factored in because you are now still are now getting them. You've also got some insurance premiums coming out of both Hub twenty four and also Australian Super there. Within the portfolios, you are in a high growth portfolio, and we've kinda looked at the two different accounts.\n\nThe way you're invested across, you are still in a high growth portfolio across the two of them. But when we look at how these investments have been performing on an average over the past five years, it's averaged about 12.80, which look is not a bad return at all, but there have been some underperforming investments that we did wanna look at moving out for you as well. Okay?\n\nChannel 1: Sure. Sure.\n\nChannel 0: With with, essentially, the bulk of the recommendations, as I mentioned, I'm gonna retain hub twenty four and AustralianSuper. We wanna roll all about 10,000 out of AustralianSuper to make sure more money is coming into Hub twenty four and being invested in that kind of environment for you. We want your contributions from your employer to go into the AustralianSuper account. That way, we've got that measure to keep the insurances rolling in that account for you, and, also, we're gonna apply the opt in form as well. Within\n\nChannel 1: Okay.\n\nChannel 0: AustralianSuper, essentially, between Hub twenty four and AustralianSuper, you will still have administration fees at play there. You're also gonna have investment fees. However, with the newer portfolio, it's actually reducing the amount of investment fees payable. Essentially, we can save you $292 a year by switching these investments. So it means more money stays invested in your super working harder for you.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: With the ongoing service fee, that does increase a little bit. It is 1.65% per annum, and it is based on the balance in the account. So we do know it increases slightly because the balance in hub twenty four is expected to increase, and this figure also takes into account the first year's growth ex expected growth of the year. Okay?\n\nChannel 1: Sure.\n\nChannel 0: No change to the insurance premiums because we're not making any changes there. We're retaining the insurances exactly as they are for a bit longer, and I'll make sure once you've gone through your probationary period, we make sure we do a bit of a catch up in six months, see how things are tracking along, and see what you wanna do insurance wise and see what your goals are, and we'll see what we can do to help you to improve on the strategy further. Okay?\n\nChannel 1: No no worries.\n\nChannel 0: The newer portfolio between the two is still in that high growth environment, but when we look at how it has performing over the past five years, it's averaged about a 15.71% on a yearly basis. So this the portfolio we wanna move you into has the greater potential for greater growth, which means, essentially, if the portfolio can do what it has over the past five years, you could see yourself in a much greater position there.\n\nChannel 1: Yeah. No\n\nChannel 0: If\n\nChannel 1: worries.\n\nChannel 0: you scroll down to the next page for me, you'll see the projection table there. I do like\n\nChannel 1: Yep.\n\nChannel 0: to be very honest. Essentially, we are working on past data with investments, so there's definitely no guarantee there. But if when you look at the volatility and what's been going on with the investment portfolios, if they can obtain this kind of return over the next sort of five to ten years, you can sort of see where it's where it's expecting to sort of put you at over that time frame. So it is giving you greater growth long term, and we just wanna make sure we review things on a regular basis. And, again, if we find investments that aren't performing properly or the portfolio needs to be updated or altered, then we'll make sure we do that with you as well.\n\nOkay?\n\nChannel 1: No no worries.\n\nChannel 0: Excellent. If I can get you to go down for me just to page number 23, this has the\n\nChannel 1: Yep.\n\nChannel 0: investment recommended investments in a whole big table with bits and pieces on it there. On the first column, you've got the investments that you have currently. Now within AustralianSuper, as I kinda mentioned, the the we're gonna retain 10,000 there. However, I do wanna do a slight switch of the investment. So you are in a balanced portfolio within Australian Super at the moment.\n\nI wanna move you that 10,000 we have left over. I wanna move it into more of a high growth portfolio. They have just a balanced growth and a high growth portfolio. We're gonna when that 10,000 is left in there, switch that into the high growth portfolio so it keeps you in that high growth environment. You were technically in that high growth environment with the balanced portfolio you're in, but the newer high growth portfolio when combined with the Hub twenty four investments can get that greater potential.\n\nSo even though money is sitting in Australian Super and it's there to kinda look after your insurances, we still want it to be working harder for you at the end of the day. So\n\nChannel 1: Yep.\n\nChannel 0: the way this essentially works is we sell all the $37,410 out of that balanced portfolio. Most of it comes over into hub twenty four, and that 10,000 sits in the high growth environment. What we'll probably do to make this work a bit easier for you is we'll do what's called a rollover first. We'll roll the seven 27,410 from AustralianSuper into Hub 24, and then what's left, we'll do the switch with. That way, it works out better for you.\n\nOkay?\n\nChannel 1: Okay. Sure.\n\nChannel 0: Excellent. Within Hub twenty four, what we're gonna do investment wise here is with the cybersecurity. At the moment, if you look at the third column, that shows your current weighting within the portfolio. Cybersecurity has been fine. It's not been doing bad at all.\n\nIt has had a lot of ups and downs this year. We wanna hold more of it. It is giving you access to global cybersecurity, and moving forward, there is a lot of, a lot going into that kinda area with the way the government is\n\nChannel 1: Yeah.\n\nChannel 0: spending, and there's a lot of\n\nChannel 1: Yep.\n\nChannel 0: growth still to happen there as well. So we wanna hold 8% of your portfolio. So it does mean that we are gonna buy a little over a thousand dollars into that for you. BetaShares India, that was one that was underperforming. We talked about that.\n\nWe didn't like that anymore, so we've removed that completely from your portfolio. So we're gonna sell that down to zero and remove that holding.\n\nChannel 1: Yep.\n\nChannel 0: You've also got the global health care again giving you global diversification. We wanna hold eight percent of this investment. You currently have about 6.70%, so we're gonna invest some more money into that for you.\n\nChannel 1: Cool.\n\nChannel 0: The S and P five 100 is still performing very well, has had a lot a lot of ups and downs this year. However, US markets and US securities are still performing very nicely. If you wanna hold about 26% in there, you've got about 25.30% there at the moment, so buying a little bit more just to bring you up. We've also got the Raffy the Raffy 200. This one here is still good.\n\nYou're a little bit overexposed at the moment, so we just wanna sell off a little bit to bring you back to 16%, but we still wanna keep it. It is giving you good diversification into Australian equities, and we're gonna\n\nChannel 1: Yep.\n\nChannel 0: basically have a secondary investment to complement that to go to replace the Benelon Australian equities, which is the other one that was very heavily underperforming in your portfolio there. Okay?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: And that's the next one down here. So the Banna Long Australian Equities, that was the one that was down very heavily. We wanted to get rid of that. We are selling that completely out of the portfolio. And, essentially, we are gonna replace that with the BetaShares a 200.\n\nSo, again, this is another 200 companies in the ASX that's giving you between that and the RASK, they're giving you good diversification into high into big cap companies, essentially. The beta shares a 200 tracks the top 200 companies on the ASX. And by high holding the Rafi and the beta, you are sorry. Yeah. The the beta shares a 200 and the Rafi sorry.\n\nI can't talk this afternoon. It is\n\nChannel 1: You're\n\nChannel 0: giving\n\nChannel 1: up.\n\nChannel 0: you exposure to all those those high cap large cap companies. It's giving you essentially great diversification as well because Benelon only held anywhere between 15 to 25 different investments in there. So removing that and adding another 200 companies into the mix is sort of bringing greater diversification, helping to lower the overall risk of your portfolio as well. And it's a more of a passive investment, so it's actually making it cheaper for you to hold. It's partly saving some of your investment fees within the portfolio as well.\n\nOkay?\n\nChannel 1: Okay. Okay.\n\nChannel 0: Excellent. We talked about keeping a little bit of active management in the portfolio there as well, and that's where we've got the JRegs. This is a JPMorgan Global Research enhanced equity fund. This is utilizing JPMorgan's research team to pick and choose where markets might be growing. They look at it globally, so not just in Australia or The US.\n\nThey look globally, so across the entire globe. It's giving you further diversification, and there's a small active component in this in this investment as well. So keeping that gives you a little bit of an actively an actively managed component to your portfolio, which is great, but also keeping costs low. So we're gonna hold about 16% of this investment there for you and buy a little bit 8 of of over $1,800 into that one for you. Okay?\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Excellent. We've got physical gold in there. 9% at the moment, physical gold has done really, really well. Gold is only a growth asset. It doesn't produce any kind of income, so it is solely a growth asset.\n\nIt does act defensively depending on, you know, how markets are reacting. People tend to take money out of it and move it into gold as a safe haven when markets aren't doing too well. But one important factor with gold is that in order to sort of take advantage of that growth, you do have to rebalance every now and then. So cementing some of the gains and reinvesting those back into the portfolio to assist with the compounding effect. So we\n\nChannel 1: So\n\nChannel 0: are just\n\nChannel 1: we're\n\nChannel 0: gonna\n\nChannel 1: taking\n\nChannel 0: sell\n\nChannel 1: 2%.\n\nChannel 0: a\n\nChannel 1: We're taking\n\nChannel 0: yep.\n\nChannel 1: 2% out of that one.\n\nChannel 0: Yep. Yep. 2% back. We only wanna hold 7% gold. So we'll take it a little over $3,000 out of that one and reinvest back into your portfolio.\n\nOkay?\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Excellent. And then we've got the bank hybrids. These are more of a defensive investment. However, they are being phased out by the government down the track, so we are looking to remove those from your portfolio now. Whilst we are making these big changes, we may as well make all the changes rather than doing this now and then coming back when the government says they have to be removed and having to swap them out at the last minute for you.\n\nSo removing them out of your portfolio completely. And on the next page there, we're gonna essentially replace the bank hybrids with core composite bonds. That is the very bottom one there. This is giving you exposure to government and corporate bonds. It does also have notes and other defensive assets that are globally, but it is essentially 90% Australian, and it's government and corporate bonds.\n\nHaving about 8% of this for you keeps you using a high growth kind of environment, which is at ninety ten sort of split we went through. And, essentially, having some defensive assets is good for cash producing. All these other ETFs do provide dividends and things like that, all but the gold. We still wanna see dividends being paid out as well as the income from the core composite bonds. That way, the funds go into your cash account, and we can reinvest it back into the portfolio to continue the compounding effect there for you.\n\nOkay?\n\nChannel 1: No worries. No worries.\n\nChannel 0: Excellent. And the one above that is the beta shares of the 200, the a 200 there, and that's what will replace the Benelon Australian Equities for you. Okay?\n\nChannel 1: Yeah. Okay. Okay. No\n\nChannel 0: Excellent.\n\nChannel 1: worries.\n\nChannel 0: That can be a lot, but I try to keep it as brief as possible. Is there any questions in relation to any of those at all?\n\nChannel 1: Not not really. It's it's it's it's it is. It's I'm I'm out of my depth here, but, yeah, you know, I remember a couple of years ago where we\n\nChannel 0: No.\n\nChannel 1: we we went into the Bennelong one, but, yeah, it's obviously as you're saying, it just hasn't hasn't provided. So\n\nChannel 0: No. No. Definitely not. It's it's had its day. Back when you sort of went\n\nChannel 1: yeah. Yeah.\n\nChannel 0: in that originally, that had really great years. Like, the ten plus years prior, it had seemed like a 30% compounding return. Like, it had done really, really well.\n\nChannel 1: Yeah. Well,\n\nChannel 0: But\n\nChannel 1: I remember.\n\nChannel 0: since\n\nChannel 1: I I\n\nChannel 0: COVID,\n\nChannel 1: can't I can't\n\nChannel 0: it\n\nChannel 1: remember\n\nChannel 0: hasn't.\n\nChannel 1: the follows. Yeah. I can't remember who I was talking to. It was a few years ago. Yeah.\n\nAnd they they said, yeah. I gotta get on the Ben Long one because, yeah, it's it's it's really, really strong done doing good returns. So it's a bit sad to say that, yeah, when I've when I've jumped into it, it's it's taking a nose dive.\n\nChannel 0: It has. Yeah. But no. Look. This this newer portfolio gives you greater diversification.\n\nIt's also cheaper. And what's one of the things I wanted to look at for you is being able to reduce some of the cost within the portfolio. So by lowering your investment fees as much as it's 290 odd dollars, it essentially means it's more money that stays in your super working harder for you as well. And one of the other benefits of this is that there's no CGT cost. So one of the things we talked about was that when I go back and review portfolios, also look at the CDT aspect because your super fund, like you, does a tax return every year.\n\nIt pays income tax. It pays capital gains tax as well. And so to do these changes, if you look at that fee comparison table, the differences column has zero in it. So there's no capital gains consequences for making these changes. Essentially, any gains that we're cementing from the other investments have all basically been offset by the Benelung main down and any other I think that India was the only other one that was kinda heavily down as well.\n\nSo we've been able to offset any gains by the losses that have been substantiated within this portfolio. So it works out really well. We can, you know, utilize what has happened, build a better portfolio for it. It's got stronger past performance, which, you know, depending on markets and down the track, can provide you with a greater, better return. And it's also a bit cheaper there for you.\n\nSo keeping more money invested, working harder for you at the end of the day. And then we'll just make a slight change within your Australian Super account there as well with the amount that we hold back just to make sure that that is also working harder for you, if that makes sense.\n\nChannel 1: No worries. Yep. Yep.\n\nChannel 0: Yeah. Easy. Underneath that table, you've got the cash account there. So within your super, we only ever wanna hold about 1.25% cash. It does mean that we need to hold a little bit less than what you currently hold there at the moment, but we essentially take any excess cash and just reinvest that along with the portfolio.\n\nSo you've just got that 1.25 cash sitting there for you. Okay?\n\nChannel 1: Yeah. No worries. No worries.\n\nChannel 0: Excellent. Down further around page 26, this is just sort of running you through the retention of the Australian Super and as well as the towel policy. So we've kinda noted the Australian Super policy holds your life in TPD. It has the any occupation definition in TPD, which is really important to sort of hold for the time being as your TAL TPD is that ADL assisted or activities of daily living for the TPD definition, which is harder to essentially\n\nChannel 1: Yeah. Harder\n\nChannel 0: claim\n\nChannel 1: to meet.\n\nChannel 0: on.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. So we wanna make sure that you've got the best of both worlds that you are able to claim on the TBD if anything was to happen to you. So retaining Australian Super gives you that benefit and then still\n\nChannel 1: Yep.\n\nChannel 0: keeping the towel policy. So if you still weren't able to get back to work and if you met that definition that we could still look to claim on that down the track, I still wanna be able to meet and reassess the insurances. Depending on what your job is, I'll go out to the insurance and see, you know, what they're able to come to the party with. You just never know. They might be able to offer me a better definition.\n\nAnd if that's the case, we'll come back and reassess the insurances for you as well. So when you've gone through that probationary period and you're comfortable you wanna reassess that, let me know, and we'll make sure that we go through that and have a chat. Look at what you're after, and I'll go out the market and see what's available there for you. Okay?\n\nChannel 1: No worries. No worries.\n\nChannel 0: Easy. The only other parts in here are the retention of your military super. That, as I said, is a bit of a no brainer. That is a great pension that you're receiving there. It's extra money, and it was definitely good support for you whilst you were off work.\n\nAnd that is a lifetime pension,\n\nChannel 1: Oh,\n\nChannel 0: so it is definitely worth making sure you keep that. I've actually got quite\n\nChannel 1: yep.\n\nChannel 0: a few clients with those sorts of pensions at the moment, and I'm just like, they're very handy to keep. Mhmm.\n\nChannel 1: Oh, it's it's it's one of the it's the silver lining on the on the the\n\nChannel 0: It\n\nChannel 1: ending\n\nChannel 0: is.\n\nChannel 1: of my military military career. Like, as much as I as much as I I was looking forward\n\nChannel 0: Absolutely.\n\nChannel 1: to staying in the military, you know, even\n\nChannel 0: I ended\n\nChannel 1: though I\n\nChannel 0: it\n\nChannel 1: got\n\nChannel 0: properly.\n\nChannel 1: out, it's it's it's\n\nChannel 0: Yeah.\n\nChannel 1: given me it's given me so much so much freedom.\n\nChannel 0: Absolutely.\n\nChannel 1: It's it's\n\nChannel 0: Absolutely.\n\nChannel 1: it's been it's been absolute game changer for me. It's it's it's allowed\n\nChannel 0: Yeah.\n\nChannel 1: me to do to do things that normally I wouldn't have been able to do, like,\n\nChannel 0: Yeah.\n\nChannel 1: where I\n\nChannel 0: Of\n\nChannel 1: currently am now moving to moving just to on on a whim deciding let's move to Tasmania.\n\nChannel 0: course. Yeah.\n\nChannel 1: It's\n\nChannel 0: No.\n\nChannel 1: giving\n\nChannel 0: Absolutely.\n\nChannel 1: giving me\n\nChannel 0: Yeah. And,\n\nChannel 1: yep.\n\nChannel 0: look, you it's well deserved as well. You put the time in, you search your country, and your country deserves it. They owe you so much\n\nChannel 1: Yeah.\n\nChannel 0: more. So bold as that.\n\nChannel 1: Yeah. I sort of disagree. I didn't really I didn't really do a great deal. I just, unfortunately, in\n\nChannel 0: That's\n\nChannel 1: the\n\nChannel 0: okay.\n\nChannel 1: in the wrong spot wrong spot at the wrong\n\nChannel 0: Yeah.\n\nChannel 1: time, and, unfortunately,\n\nChannel 0: Yeah.\n\nChannel 1: my my my knees paid the price.\n\nChannel 0: Yeah. Yeah. No. I understand that. That's all good.\n\nSo as part of this being a bit of a foundation advice piece, I have got that in there for you. All these strategies do have what's called a best interest duty, which basically has my reasoning on why I've made the recommendations there for you. They also relate them back to your goals, and then then we've also got the advantages, disadvantages, and the risks involved. So if you wanted to take some time after the call to when you've got a bit of a clear head, you wanna run through that, have a bit of a read of everything, let me know if there is any questions. And then if you are happy to take on the recommendations there, I'll get you to sign and return the documents back.\n\nThe only\n\nChannel 1: Yeah.\n\nChannel 0: other part in there to kinda show you is just the beneficiary side of things, the estate planning, and that's on page number sort of 38 onwards. So just making sure that we do have your beneficiaries up to date, and I'll follow-up with the team. I believe the documents were sent to you, and I'll make sure we follow-up and get those\n\nChannel 1: Yeah.\n\nChannel 0: applied.\n\nChannel 1: I can't\n\nChannel 0: Haven't received\n\nChannel 1: I\n\nChannel 0: them\n\nChannel 1: can't\n\nChannel 0: yet?\n\nChannel 1: I don't believe so. Were they were they hard copies or\n\nChannel 0: They would have been.\n\nChannel 1: or\n\nChannel 0: I did want them to be emailed as well. But if they haven't been emailed as well, I'll get the admin team to follow-up\n\nChannel 1: no. I\n\nChannel 0: and\n\nChannel 1: haven't\n\nChannel 0: make sure that is\n\nChannel 1: yeah.\n\nChannel 0: done.\n\nChannel 1: I haven't\n\nChannel 0: Nothing\n\nChannel 1: I haven't\n\nChannel 0: yet?\n\nChannel 1: I haven't, yeah, I haven't seen them, unfortunately.\n\nChannel 0: That's okay. I'll follow-up to make sure that gets sorted for you because\n\nChannel 1: Yeah.\n\nChannel 0: we do wanna make sure\n\nChannel 1: Sure.\n\nChannel 0: those beneficiaries are in place. If anything was\n\nChannel 1: Yep.\n\nChannel 0: to happen to you, making sure that everything is streamlined to your family is very important at the end of the day there. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: The last thing I just wanted to sort of go through and show you is on page number 53 there. So this is the remuneration side of things. You obviously pay an ongoing service fee for us looking after your super and providing advice and assisting you down the track. But we also do receive remuneration from TOW. So we do receive a a percentage of the of the ongoing premium.\n\nEssentially, this year is expected to be $558. That is not paid by you in any way, shape, or form. It's paid directly by Cal to us. All advisers receive remuneration for riding insurances. It's just paid to the licensing, not to me directly, unfortunately.\n\nBut it's about just making sure that we're disclosing everything, being open and honest with you. That has no reflection of the rate the reasoning for keeping the insurances. As I mentioned, everything I do is invest interest in working towards your goals. And when and if you need to review those covers, we will definitely do that. And any new recommendations I make won't be about the remuneration.\n\nIt's about achieving your goals for you. So I just like to be open and honest and clear and say, here it is. Here's the information just so you can see everything nice and clear there. Okay?\n\nChannel 1: No worries. No worries.\n\nChannel 0: Easy. And that is essentially everything. If you decide to take on the recommendations, we do have how to implement down on page 56. It just basically notes that if you are happy to take on board the recommendations when you're comfortable, we get you to sign and return the document back. We'll start by completing the investment switch within your Hub twenty four account.\n\nWe'll help to do the investment switch within AustralianSuper. Normally, that is a form. Sometimes they ask you to email it to them. Sometimes they'll allow us to do it. We'll always try first.\n\nIf they don't allow us to email it, we'll just get you to sign it and send it direct to AustralianSuper.\n\nChannel 1: Not a problem. Not\n\nChannel 0: We'll\n\nChannel 1: a problem.\n\nChannel 0: do the rollover for you, and then we'll also help you to make sure that the opt in is sorted there. Okay?\n\nChannel 1: Okay. Thank you very much.\n\nChannel 0: Easy. That's okay, Luke. Do you have any questions for me? Anything that might have come to mind at all?\n\nChannel 1: No. No. No. Sort of. It's yeah.\n\nLike, it's well,\n\nChannel 0: No?\n\nChannel 1: I would I won't lie to you and say that I fully I fully understand what's going on, but it's\n\nChannel 0: Yep.\n\nChannel 1: it's a lot a lot a lot of numbers and\n\nChannel 0: Yeah.\n\nChannel 1: a world that I'm and a financial world that I'm just I don't have\n\nChannel 0: Yeah.\n\nChannel 1: any I don't have any interest in what goes\n\nChannel 0: That's\n\nChannel 1: on, but\n\nChannel 0: okay.\n\nChannel 1: I I yeah. Sort of yeah. I can I can see that what you did, you know, trying to move move things into a better performing\n\nChannel 0: Yep.\n\nChannel 1: space, you know, I'm I'm\n\nChannel 0: Yep.\n\nChannel 1: happy happy for you happy for you to do that? If I can get\n\nChannel 0: Beautiful.\n\nChannel 1: a little bit more out of my super in in\n\nChannel 0: That\n\nChannel 1: the next\n\nChannel 0: doesn't\n\nChannel 1: twenty\n\nChannel 0: mean.\n\nChannel 1: years, I'll be very happy.\n\nChannel 0: Fantastic. Well, I'll make sure to look after you. I do wanna do a catch up with you in about six months. Are you comfortable with that?\n\nChannel 1: Yep.\n\nChannel 0: Did you wanna cuff\n\nChannel 1: That's\n\nChannel 0: a catch\n\nChannel 1: sure.\n\nChannel 0: up prior to that at all? Six months\n\nChannel 1: No.\n\nChannel 0: is good?\n\nChannel 1: Six six six months is fine. Six months is fine.\n\nChannel 0: Yep. Beautiful. Fantastic. Well, I'll let you go so you can read the document over. If you do find you have any questions, please let me know.\n\nI know it can be a lot to go through, and there's a lot of numbers and things in there. If there is any questions, in my world, there is no such thing as a silly question. If it's something that you wanna know, this is your super. This is the money that you've worked so hard for, and this is your retirement. So I take it very it's very important to me to look after it, and I take it very seriously, and I wanna make sure that we do look after it for you.\n\nSo if there's anything you\n\nChannel 1: Yep.\n\nChannel 0: ever wanna know, you let me know, and I will make sure I answer it.\n\nChannel 1: No worries. Thank you very much, Dana.\n\nChannel 0: Okay? Easy.\n\nChannel 1: Cheers.\n\nChannel 0: Thank you, Luke. You have a lovely evening. I hope you have\n\nChannel 1: You\n\nChannel 0: a great relaxing weekend.\n\nChannel 1: so do I. So do I. I will. Anyway, you you have a good one as\n\nChannel 0: Talk.\n\nChannel 1: well. I'll talk to you talk\n\nChannel 0: Will\n\nChannel 1: to you\n\nChannel 0: do.\n\nChannel 1: later on.\n\nChannel 0: Thank you so\n\nChannel 1: Cheers.\n\nChannel 0: much. See you later.\n\nChannel 1: Alright.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hi, Luke.","start":3.28,"end":3.9199998,"sentiment":"neutral","sentiment_score":0.10713573545217514},{"text":"It's Dana from OKIE Financial.","start":3.9199998,"end":5.52,"sentiment":"neutral","sentiment_score":0.11621010154485703},{"text":"How are you this afternoon?","start":5.52,"end":6.74,"sentiment":"neutral","sentiment_score":0.1695556163787842}],"sentiment":"neutral","sentiment_score":0.13692500504354635,"channel":0,"num_words":12,"start":3.28,"end":6.74},{"sentences":[{"text":"Yeah.","start":7.04,"end":7.3599997,"sentiment":"neutral","sentiment_score":0.1694452464580536},{"text":"Not too bad.","start":7.3599997,"end":8.0,"sentiment":"neutral","sentiment_score":0.233788400888443},{"text":"Not too 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that, I just need to confirm we do record our calls moving forward for training and quality purposes.","start":52.825,"end":58.03,"sentiment":"neutral","sentiment_score":0.1957559585571289},{"text":"Are you happy to proceed with that?","start":58.03,"end":59.81,"sentiment":"neutral","sentiment_score":0.1923869103193283}],"sentiment":"neutral","sentiment_score":0.20381165656351274,"channel":0,"num_words":31,"start":51.705,"end":59.81},{"sentences":[{"text":"Yes.","start":59.82,"end":60.32,"sentiment":"neutral","sentiment_score":0.10073725879192352}],"sentiment":"neutral","sentiment_score":0.10073725879192352,"channel":1,"num_words":1,"start":59.82,"end":60.32},{"sentences":[{"text":"Legend.","start":61.07,"end":61.57,"sentiment":"neutral","sentiment_score":0.09213373064994812},{"text":"And just to do a quick security check there with you as well, just to confirm your full name, your date of birth, and address I should have on 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got","start":779.77,"end":780.57,"sentiment":"neutral","sentiment_score":0.09232273697853088}],"sentiment":"neutral","sentiment_score":0.11461185466717272,"channel":0,"num_words":34,"start":770.53503,"end":780.57},{"sentences":[{"text":"Yep.","start":780.375,"end":780.84,"sentiment":"neutral","sentiment_score":0.05373893305659294}],"sentiment":"neutral","sentiment_score":0.05373893305659294,"channel":1,"num_words":1,"start":780.375,"end":780.84},{"sentences":[{"text":"administration fees.","start":780.57,"end":781.79,"sentiment":"neutral","sentiment_score":0.06190265901386738},{"text":"You're paying, sorry, investment fees as well.","start":782.01,"end":784.99,"sentiment":"neutral","sentiment_score":0.07110223333750453},{"text":"We've got the ongoing service fee coming out of hub twenty four for our services and looking after everything and contributions also are being factored in because you are now still are now getting them.","start":785.13,"end":794.915,"sentiment":"neutral","sentiment_score":0.21948758576597485},{"text":"You've also got some insurance premiums coming out of both Hub twenty four and also Australian Super there.","start":795.13495,"end":801.475,"sentiment":"neutral","sentiment_score":0.15810759945048225},{"text":"Within the portfolios, you are in a high growth portfolio, and we've kinda looked at the two different accounts.","start":802.175,"end":807.48,"sentiment":"neutral","sentiment_score":0.15705613340986402}],"sentiment":"neutral","sentiment_score":0.17448876269253683,"channel":0,"num_words":81,"start":780.57,"end":807.48},{"sentences":[{"text":"The way you're invested across, you are still in a high growth portfolio across the two of them.","start":807.72,"end":812.36,"sentiment":"neutral","sentiment_score":0.20161328464746475},{"text":"But when we look at how these investments have been performing on an average over the past five years, it's averaged about 12.80, which look is not a bad return at all, but there have been some underperforming investments that we did wanna look at moving out for you as well.","start":812.36,"end":828.085,"sentiment":"neutral","sentiment_score":0.029903832896083008},{"text":"Okay?","start":828.085,"end":828.585,"sentiment":"neutral","sentiment_score":0.020044395700097084}],"sentiment":"neutral","sentiment_score":0.0739168428150671,"channel":0,"num_words":70,"start":807.72,"end":828.585},{"sentences":[{"text":"Sure.","start":829.065,"end":829.465,"sentiment":"neutral","sentiment_score":0.1047741398215294},{"text":"Sure.","start":829.465,"end":829.965,"sentiment":"neutral","sentiment_score":0.12763246893882751}],"sentiment":"neutral","sentiment_score":0.11620330438017845,"channel":1,"num_words":2,"start":829.065,"end":829.965},{"sentences":[{"text":"With with, essentially, the bulk of the recommendations, as I mentioned, I'm gonna retain hub twenty four and AustralianSuper.","start":829.925,"end":835.22,"sentiment":"neutral","sentiment_score":0.19976696215177836},{"text":"We wanna roll all about 10,000 out of AustralianSuper to make sure more money is coming into Hub twenty four and being invested in that kind of environment for you.","start":835.68,"end":843.7,"sentiment":"positive","sentiment_score":0.37624711195627847},{"text":"We want your contributions from your employer to go into the AustralianSuper account.","start":844.0,"end":847.92,"sentiment":"positive","sentiment_score":0.3675376566556784},{"text":"That way, we've got that measure to keep the insurances rolling in that account for you, and, also, we're gonna apply the opt in form as well.","start":847.92,"end":856.66504,"sentiment":"positive","sentiment_score":0.3504850169022878},{"text":"Within","start":857.525,"end":858.005,"sentiment":"neutral","sentiment_score":0.1105690374970436}],"sentiment":"neutral","sentiment_score":0.3270515518883864,"channel":0,"num_words":90,"start":829.925,"end":858.005},{"sentences":[{"text":"Okay.","start":857.685,"end":858.185,"sentiment":"neutral","sentiment_score":0.19817781448364255}],"sentiment":"neutral","sentiment_score":0.19817781448364255,"channel":1,"num_words":1,"start":857.685,"end":858.185},{"sentences":[{"text":"AustralianSuper, essentially, between Hub twenty four and AustralianSuper, you will still have administration fees at play there.","start":858.005,"end":865.305,"sentiment":"neutral","sentiment_score":0.2194377337308491},{"text":"You're also gonna have investment fees.","start":865.64996,"end":868.37,"sentiment":"neutral","sentiment_score":0.26034964993596077},{"text":"However, with the newer portfolio, it's actually reducing the amount of investment fees payable.","start":868.37,"end":873.67,"sentiment":"positive","sentiment_score":0.3633145157779966},{"text":"Essentially, we can save you $292 a year by switching these investments.","start":874.12994,"end":878.62994,"sentiment":"positive","sentiment_score":0.5546124204993248},{"text":"So it means more money stays invested in your super working harder for you.","start":879.345,"end":883.365,"sentiment":"positive","sentiment_score":0.4518410563468933}],"sentiment":"positive","sentiment_score":0.370794705218739,"channel":0,"num_words":63,"start":858.005,"end":883.365},{"sentences":[{"text":"Okay?","start":883.425,"end":883.925,"sentiment":"neutral","sentiment_score":0.2575242817401886}],"sentiment":"neutral","sentiment_score":0.2575242817401886,"channel":0,"num_words":1,"start":883.425,"end":883.925},{"sentences":[{"text":"Yep.","start":884.895,"end":885.395,"sentiment":"positive","sentiment_score":0.3662738800048828}],"sentiment":"positive","sentiment_score":0.3662738800048828,"channel":1,"num_words":1,"start":884.895,"end":885.395},{"sentences":[{"text":"With the ongoing service fee, that does increase a little bit.","start":886.305,"end":889.425,"sentiment":"neutral","sentiment_score":0.272603683850982},{"text":"It is 1.65% per annum, and it is based on the balance in the account.","start":889.425,"end":893.505,"sentiment":"neutral","sentiment_score":0.1797426144282023},{"text":"So we do know it increases slightly because the balance in hub twenty four is expected to increase, and this figure also takes into account the first year's growth ex expected growth of the year.","start":893.505,"end":904.55,"sentiment":"positive","sentiment_score":0.3904894982065473},{"text":"Okay?","start":904.55,"end":905.05,"sentiment":"neutral","sentiment_score":0.13505132496356964}],"sentiment":"neutral","sentiment_score":0.31446715324155744,"channel":0,"num_words":62,"start":886.305,"end":905.05},{"sentences":[{"text":"Sure.","start":905.55005,"end":906.05005,"sentiment":"neutral","sentiment_score":0.2197900414466858}],"sentiment":"neutral","sentiment_score":0.2197900414466858,"channel":1,"num_words":1,"start":905.55005,"end":906.05005},{"sentences":[{"text":"No change to the insurance premiums because we're not making any changes there.","start":906.87,"end":909.91,"sentiment":"neutral","sentiment_score":-0.03239213417355831},{"text":"We're retaining the insurances exactly as they are for a bit longer, and I'll make sure once you've gone through your probationary period, we make sure we do a bit of a catch up in six months, see how things are tracking along, and see what you wanna do insurance wise and see what your goals are, and we'll see what we can do to help you to improve on the strategy further.","start":909.91,"end":926.97003,"sentiment":"neutral","sentiment_score":0.31235778229693845},{"text":"Okay?","start":927.19,"end":927.69,"sentiment":"neutral","sentiment_score":0.11947333067655563}],"sentiment":"neutral","sentiment_score":0.2586263642999633,"channel":0,"num_words":87,"start":906.87,"end":927.69},{"sentences":[{"text":"No no worries.","start":927.87,"end":929.25,"sentiment":"neutral","sentiment_score":0.23488231499989828}],"sentiment":"neutral","sentiment_score":0.23488231499989828,"channel":1,"num_words":3,"start":927.87,"end":929.25},{"sentences":[{"text":"The newer portfolio between the two is still in that high growth environment, but when we look at how it has performing over the past five years, it's averaged about a 15.71% on a yearly basis.","start":929.83,"end":940.365,"sentiment":"neutral","sentiment_score":0.2538545856045352},{"text":"So this the portfolio we wanna move you into has the greater potential for greater growth, which means, essentially, if the portfolio can do what it has over the past five years, you could see yourself in a much greater position there.","start":940.445,"end":953.185,"sentiment":"positive","sentiment_score":0.5015617708365122}],"sentiment":"positive","sentiment_score":0.38723537765252286,"channel":0,"num_words":78,"start":929.83,"end":953.185},{"sentences":[{"text":"Yeah.","start":953.75995,"end":954.07996,"sentiment":"neutral","sentiment_score":0.14128798246383667},{"text":"No","start":954.07996,"end":954.24,"sentiment":"neutral","sentiment_score":0.11427471041679382}],"sentiment":"neutral","sentiment_score":0.12778134644031525,"channel":1,"num_words":2,"start":953.75995,"end":954.24},{"sentences":[{"text":"If","start":954.14,"end":954.30005,"sentiment":"neutral","sentiment_score":0.06940130144357681}],"sentiment":"neutral","sentiment_score":0.06940130144357681,"channel":0,"num_words":1,"start":954.14,"end":954.30005},{"sentences":[{"text":"worries.","start":954.24,"end":954.74,"sentiment":"neutral","sentiment_score":0.11431674659252168}],"sentiment":"neutral","sentiment_score":0.11431674659252168,"channel":1,"num_words":1,"start":954.24,"end":954.74},{"sentences":[{"text":"you scroll down to the next page for me, you'll see the projection table there.","start":954.30005,"end":959.84,"sentiment":"neutral","sentiment_score":0.06174877360463142},{"text":"I do like","start":959.98004,"end":960.46,"sentiment":"neutral","sentiment_score":0.26070643464724225}],"sentiment":"neutral","sentiment_score":0.09490838377839989,"channel":0,"num_words":18,"start":954.30005,"end":960.46},{"sentences":[{"text":"Yep.","start":960.39996,"end":960.855,"sentiment":"neutral","sentiment_score":0.3023596704006195}],"sentiment":"neutral","sentiment_score":0.3023596704006195,"channel":1,"num_words":1,"start":960.39996,"end":960.855},{"sentences":[{"text":"to be very honest.","start":960.46,"end":961.34,"sentiment":"neutral","sentiment_score":0.1757417879998684},{"text":"Essentially, we are working on past data with investments, so there's definitely no guarantee there.","start":961.34,"end":966.16003,"sentiment":"neutral","sentiment_score":0.12635601535439492},{"text":"But if when you look at the volatility and what's been going on with the investment portfolios, if they can obtain this kind of return over the next sort of five to ten years, you can sort of see where it's where it's expecting to sort of put you at over that time frame.","start":966.32495,"end":980.4,"sentiment":"neutral","sentiment_score":0.2178938696505847},{"text":"So it is giving you greater growth long term, and we just wanna make sure we review things on a regular basis.","start":980.4,"end":986.32,"sentiment":"positive","sentiment_score":0.3878170915625312},{"text":"And, again, if we find investments that aren't performing properly or the portfolio needs to be updated or altered, then we'll make sure we do that with you as well.","start":986.32,"end":994.165,"sentiment":"neutral","sentiment_score":0.058285681158304216}],"sentiment":"neutral","sentiment_score":0.19716098234057428,"channel":0,"num_words":125,"start":960.46,"end":994.165},{"sentences":[{"text":"Okay?","start":994.165,"end":994.665,"sentiment":"neutral","sentiment_score":0.04271567240357399}],"sentiment":"neutral","sentiment_score":0.04271567240357399,"channel":0,"num_words":1,"start":994.165,"end":994.665},{"sentences":[{"text":"No no worries.","start":994.955,"end":996.17505,"sentiment":"neutral","sentiment_score":0.2867039392391841}],"sentiment":"neutral","sentiment_score":0.2867039392391841,"channel":1,"num_words":3,"start":994.955,"end":996.17505},{"sentences":[{"text":"Excellent.","start":996.96497,"end":997.46497,"sentiment":"positive","sentiment_score":0.7264628410339355},{"text":"If I can get you to go down for me just to page number 23, this has the","start":998.40497,"end":1003.845,"sentiment":"neutral","sentiment_score":0.22786160392893684}],"sentiment":"neutral","sentiment_score":0.25410377430288417,"channel":0,"num_words":19,"start":996.96497,"end":1003.845},{"sentences":[{"text":"Yep.","start":1003.82996,"end":1004.32996,"sentiment":"neutral","sentiment_score":0.1798301339149475}],"sentiment":"neutral","sentiment_score":0.1798301339149475,"channel":1,"num_words":1,"start":1003.82996,"end":1004.32996},{"sentences":[{"text":"investment recommended investments in a whole big table with bits and pieces on it there.","start":1003.845,"end":1008.66003,"sentiment":"neutral","sentiment_score":0.1774890035390854},{"text":"On the first column, you've got the investments that you have currently.","start":1010.32,"end":1013.46,"sentiment":"neutral","sentiment_score":0.0842153001576662},{"text":"Now within AustralianSuper, as I kinda mentioned, the the we're gonna retain 10,000 there.","start":1013.76,"end":1019.325,"sentiment":"neutral","sentiment_score":0.09456639949764524},{"text":"However, I do wanna do a slight switch of the investment.","start":1019.805,"end":1022.445,"sentiment":"neutral","sentiment_score":0.09889732775363055},{"text":"So you are in a balanced portfolio within Australian Super at the moment.","start":1022.445,"end":1025.885,"sentiment":"neutral","sentiment_score":0.12087269184681085}],"sentiment":"neutral","sentiment_score":0.1177855976499044,"channel":0,"num_words":65,"start":1003.845,"end":1025.885},{"sentences":[{"text":"I wanna move you that 10,000 we have left over.","start":1025.885,"end":1028.785,"sentiment":"neutral","sentiment_score":0.13280319198966026},{"text":"I wanna move it into more of a high growth portfolio.","start":1028.845,"end":1031.505,"sentiment":"neutral","sentiment_score":0.1552774181420153},{"text":"They have just a balanced growth and a high growth portfolio.","start":1031.725,"end":1034.225,"sentiment":"neutral","sentiment_score":0.1884938139807094},{"text":"We're gonna when that 10,000 is left in there, switch that into the high growth portfolio so it keeps you in that high growth environment.","start":1034.8301,"end":1041.3301,"sentiment":"neutral","sentiment_score":0.20104775369167327},{"text":"You were technically in that high growth environment with the balanced portfolio you're in, but the newer high growth portfolio when combined with the Hub twenty four investments can get that greater potential.","start":1041.87,"end":1051.745,"sentiment":"neutral","sentiment_score":0.2594732671524539}],"sentiment":"neutral","sentiment_score":0.20775919035077095,"channel":0,"num_words":90,"start":1025.885,"end":1051.745},{"sentences":[{"text":"So even though money is sitting in Australian Super and it's there to kinda look after your insurances, we still want it to be working harder for you at the end of the day.","start":1051.8049,"end":1060.125,"sentiment":"neutral","sentiment_score":0.004502974998425035},{"text":"So","start":1060.125,"end":1060.625,"sentiment":"neutral","sentiment_score":0.12946440279483795}],"sentiment":"neutral","sentiment_score":0.008073301506893976,"channel":0,"num_words":35,"start":1051.8049,"end":1060.625},{"sentences":[{"text":"Yep.","start":1060.87,"end":1061.37,"sentiment":"neutral","sentiment_score":0.1434505581855774}],"sentiment":"neutral","sentiment_score":0.1434505581855774,"channel":1,"num_words":1,"start":1060.87,"end":1061.37},{"sentences":[{"text":"the way this essentially works is we sell all the $37,410 out of that balanced portfolio.","start":1061.085,"end":1067.3,"sentiment":"neutral","sentiment_score":0.12683131312951446},{"text":"Most of it comes over into hub twenty four, and that 10,000 sits in the high growth environment.","start":1068.4,"end":1073.14,"sentiment":"neutral","sentiment_score":0.1114538920422395},{"text":"What we'll probably do to make this work a bit easier for you is we'll do what's called a rollover first.","start":1073.52,"end":1079.225,"sentiment":"neutral","sentiment_score":0.16774657368659973},{"text":"We'll roll the seven 27,410 from AustralianSuper into Hub 24, and then what's left, we'll do the switch with.","start":1079.225,"end":1088.4249,"sentiment":"neutral","sentiment_score":0.1117096453120834},{"text":"That way, it works out better for you.","start":1088.4249,"end":1090.4249,"sentiment":"neutral","sentiment_score":0.26239228062331676}],"sentiment":"neutral","sentiment_score":0.14365573927033237,"channel":0,"num_words":82,"start":1061.085,"end":1090.4249},{"sentences":[{"text":"Okay?","start":1090.4249,"end":1090.9249,"sentiment":"neutral","sentiment_score":0.108865886926651}],"sentiment":"neutral","sentiment_score":0.108865886926651,"channel":0,"num_words":1,"start":1090.4249,"end":1090.9249},{"sentences":[{"text":"Okay.","start":1091.19,"end":1091.69,"sentiment":"neutral","sentiment_score":0.1485847234725952},{"text":"Sure.","start":1091.83,"end":1092.33,"sentiment":"neutral","sentiment_score":0.29332464933395386}],"sentiment":"neutral","sentiment_score":0.22095468640327454,"channel":1,"num_words":2,"start":1091.19,"end":1092.33},{"sentences":[{"text":"Excellent.","start":1092.265,"end":1092.765,"sentiment":"positive","sentiment_score":0.4173732101917267},{"text":"Within Hub twenty four, what we're gonna do investment wise here is with the cybersecurity.","start":1093.72,"end":1098.7799,"sentiment":"neutral","sentiment_score":0.11951304078102112},{"text":"At the moment, if you look at the third column, that shows your current weighting within the portfolio.","start":1099.24,"end":1103.6599,"sentiment":"neutral","sentiment_score":0.07229722311927213},{"text":"Cybersecurity has been fine.","start":1104.12,"end":1105.96,"sentiment":"neutral","sentiment_score":0.17494178749620914},{"text":"It's not been doing bad at all.","start":1105.96,"end":1108.145,"sentiment":"neutral","sentiment_score":0.0462313038962228}],"sentiment":"neutral","sentiment_score":0.10077344700694084,"channel":0,"num_words":45,"start":1092.265,"end":1108.145},{"sentences":[{"text":"It has had a lot of ups and downs this year.","start":1108.145,"end":1110.145,"sentiment":"neutral","sentiment_score":-0.03572432188825174},{"text":"We wanna hold more of it.","start":1110.145,"end":1111.4249,"sentiment":"neutral","sentiment_score":0.11033339550097783},{"text":"It is giving you access to global cybersecurity, and moving forward, there is a lot of, a lot going into that kinda area with the way the government is","start":1111.4249,"end":1119.105,"sentiment":"neutral","sentiment_score":0.09203860703213461}],"sentiment":"neutral","sentiment_score":0.06387287904710873,"channel":0,"num_words":46,"start":1108.145,"end":1119.105},{"sentences":[{"text":"Yeah.","start":1118.95,"end":1119.45,"sentiment":"neutral","sentiment_score":-0.0028079350013285875}],"sentiment":"neutral","sentiment_score":-0.0028079350013285875,"channel":1,"num_words":1,"start":1118.95,"end":1119.45},{"sentences":[{"text":"spending, and there's a lot of","start":1119.105,"end":1120.63,"sentiment":"neutral","sentiment_score":0.06034391621748606}],"sentiment":"neutral","sentiment_score":0.06034391621748606,"channel":0,"num_words":6,"start":1119.105,"end":1120.63},{"sentences":[{"text":"Yep.","start":1120.5499,"end":1121.0499,"sentiment":"neutral","sentiment_score":0.0682557225227356}],"sentiment":"neutral","sentiment_score":0.0682557225227356,"channel":1,"num_words":1,"start":1120.5499,"end":1121.0499},{"sentences":[{"text":"growth still to happen there as well.","start":1120.63,"end":1122.23,"sentiment":"neutral","sentiment_score":0.08708231044667107},{"text":"So we wanna hold 8% of your portfolio.","start":1122.23,"end":1124.49,"sentiment":"neutral","sentiment_score":0.173654830083251},{"text":"So it does mean that we are gonna buy a little over a thousand dollars into that for you.","start":1124.63,"end":1129.37,"sentiment":"neutral","sentiment_score":0.1908224758348967},{"text":"BetaShares India, that was one that was underperforming.","start":1130.55,"end":1133.0651,"sentiment":"neutral","sentiment_score":-0.32654035463929176},{"text":"We talked about that.","start":1133.285,"end":1134.165,"sentiment":"neutral","sentiment_score":-0.2712267190217972}],"sentiment":"neutral","sentiment_score":0.04189591611857,"channel":0,"num_words":46,"start":1120.63,"end":1134.165},{"sentences":[{"text":"We didn't like that anymore, so we've removed that completely from your portfolio.","start":1134.165,"end":1137.545,"sentiment":"negative","sentiment_score":-0.4447937286817111},{"text":"So we're gonna sell that down to zero and remove that holding.","start":1137.605,"end":1141.0651,"sentiment":"neutral","sentiment_score":-0.24932207291324934}],"sentiment":"negative","sentiment_score":-0.3509673339128494,"channel":0,"num_words":25,"start":1134.165,"end":1141.0651},{"sentences":[{"text":"Yep.","start":1142.005,"end":1142.505,"sentiment":"neutral","sentiment_score":0.13075777888298035}],"sentiment":"neutral","sentiment_score":0.13075777888298035,"channel":1,"num_words":1,"start":1142.005,"end":1142.505},{"sentences":[{"text":"You've also got the global health care again giving you global diversification.","start":1142.405,"end":1146.7799,"sentiment":"neutral","sentiment_score":0.32096199318766594},{"text":"We wanna hold eight percent of this investment.","start":1147.1599,"end":1149.32,"sentiment":"neutral","sentiment_score":0.32923916168510914},{"text":"You currently have about 6.70%, so we're gonna invest some more money into that for you.","start":1149.32,"end":1155.4199,"sentiment":"neutral","sentiment_score":0.30055200308561325}],"sentiment":"neutral","sentiment_score":0.31373025725285214,"channel":0,"num_words":36,"start":1142.405,"end":1155.4199},{"sentences":[{"text":"Cool.","start":1156.1901,"end":1156.6901,"sentiment":"neutral","sentiment_score":0.3045268654823303}],"sentiment":"neutral","sentiment_score":0.3045268654823303,"channel":1,"num_words":1,"start":1156.1901,"end":1156.6901},{"sentences":[{"text":"The S and P five 100 is still performing very well, has had a lot a lot of ups and downs this year.","start":1156.2799,"end":1162.115,"sentiment":"neutral","sentiment_score":0.05650687476863032},{"text":"However, US markets and US securities are still performing very nicely.","start":1162.415,"end":1166.3351,"sentiment":"positive","sentiment_score":0.3606730049306696},{"text":"If you wanna hold about 26% in there, you've got about 25.30% there at the moment, so buying a little bit more just to bring you up.","start":1166.3351,"end":1174.5951,"sentiment":"neutral","sentiment_score":0.20476363902842556},{"text":"We've also got the Raffy the Raffy 200.","start":1175.56,"end":1179.42,"sentiment":"neutral","sentiment_score":0.17846284434199333},{"text":"This one here is still good.","start":1179.7201,"end":1181.0801,"sentiment":"positive","sentiment_score":0.3356936772664388}],"sentiment":"neutral","sentiment_score":0.1898339232802391,"channel":0,"num_words":75,"start":1156.2799,"end":1181.0801},{"sentences":[{"text":"You're a little bit overexposed at the moment, so we just wanna sell off a little bit to bring you back to 16%, but we still wanna keep it.","start":1181.0801,"end":1188.04,"sentiment":"neutral","sentiment_score":0.1091798513100065},{"text":"It is giving you good diversification into Australian equities, and we're 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there.","start":1194.525,"end":1204.3,"sentiment":"neutral","sentiment_score":0.012796065708001455},{"text":"Okay?","start":1204.3,"end":1204.8,"sentiment":"neutral","sentiment_score":0.022900033742189407}],"sentiment":"neutral","sentiment_score":0.013122000160717195,"channel":0,"num_words":31,"start":1194.525,"end":1204.8},{"sentences":[{"text":"Yeah.","start":1205.05,"end":1205.53,"sentiment":"neutral","sentiment_score":0.013607412576675417},{"text":"Yep.","start":1205.53,"end":1206.03,"sentiment":"neutral","sentiment_score":0.011530343443155289}],"sentiment":"neutral","sentiment_score":0.012568878009915352,"channel":1,"num_words":2,"start":1205.05,"end":1206.03},{"sentences":[{"text":"And that's the next one down here.","start":1206.38,"end":1208.14,"sentiment":"neutral","sentiment_score":-0.02756754042846816},{"text":"So the Banna Long Australian Equities, that was the one that was down very 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to all those those high cap large cap companies.","start":1246.645,"end":1250.185,"sentiment":"neutral","sentiment_score":0.057564489882100715},{"text":"It's giving you essentially great diversification as well because Benelon only held anywhere between 15 to 25 different investments in there.","start":1250.7251,"end":1258.44,"sentiment":"positive","sentiment_score":0.4108070603438786},{"text":"So removing that and adding another 200 companies into the mix is sort of bringing greater diversification, helping to lower the overall risk of your portfolio as well.","start":1258.6799,"end":1268.0599,"sentiment":"positive","sentiment_score":0.47559142112731934},{"text":"And it's a more of a passive investment, so it's actually making it cheaper for you to hold.","start":1268.44,"end":1272.7599,"sentiment":"positive","sentiment_score":0.5810949338807},{"text":"It's partly saving some of your investment fees within the portfolio as 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management in the portfolio there as well, and that's where we've got the JRegs.","start":1279.805,"end":1285.665,"sentiment":"neutral","sentiment_score":0.2472170448821524},{"text":"This is a JPMorgan Global Research enhanced equity fund.","start":1285.77,"end":1289.47,"sentiment":"neutral","sentiment_score":0.16779893222782347},{"text":"This is utilizing JPMorgan's research team to pick and choose where markets might be growing.","start":1289.93,"end":1295.13,"sentiment":"neutral","sentiment_score":0.1828016479810079},{"text":"They look at it globally, so not just in Australia or The US.","start":1295.13,"end":1298.41,"sentiment":"neutral","sentiment_score":0.14350513082284194}],"sentiment":"neutral","sentiment_score":0.20240231261390154,"channel":0,"num_words":61,"start":1278.765,"end":1298.41},{"sentences":[{"text":"They look globally, so across the entire globe.","start":1298.41,"end":1300.99,"sentiment":"neutral","sentiment_score":0.22147748060524464},{"text":"It's giving you 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can be a lot, but I try to keep it as brief as possible.","start":1465.54,"end":1468.68,"sentiment":"neutral","sentiment_score":0.07960654770334562},{"text":"Is there any questions in relation to any of those at all?","start":1468.9,"end":1471.96,"sentiment":"neutral","sentiment_score":0.04571433582653602}],"sentiment":"neutral","sentiment_score":0.06454334242476358,"channel":0,"num_words":27,"start":1465.54,"end":1471.96},{"sentences":[{"text":"Not not really.","start":1473.855,"end":1474.975,"sentiment":"neutral","sentiment_score":-0.05935471008221308},{"text":"It's it's it's it's it is.","start":1474.975,"end":1478.415,"sentiment":"neutral","sentiment_score":-0.06185413834949335},{"text":"It's I'm I'm out of my depth here, but, yeah, you know, I remember a couple of years ago where 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catch","start":2089.105,"end":2089.425,"sentiment":"neutral","sentiment_score":0.0038648368790745735}],"sentiment":"neutral","sentiment_score":0.0038648368790745735,"channel":0,"num_words":2,"start":2089.105,"end":2089.425},{"sentences":[{"text":"sure.","start":2089.41,"end":2089.91,"sentiment":"neutral","sentiment_score":0.004198850132524967}],"sentiment":"neutral","sentiment_score":0.004198850132524967,"channel":1,"num_words":1,"start":2089.41,"end":2089.91},{"sentences":[{"text":"up prior to that at all?","start":2089.425,"end":2090.705,"sentiment":"neutral","sentiment_score":-0.0016920557245612144},{"text":"Six months","start":2090.705,"end":2091.2651,"sentiment":"neutral","sentiment_score":-0.0084187185857445}],"sentiment":"neutral","sentiment_score":-0.003373721439857036,"channel":0,"num_words":8,"start":2089.425,"end":2091.2651},{"sentences":[{"text":"No.","start":2091.25,"end":2091.65,"sentiment":"neutral","sentiment_score":-0.024673394858837128}],"sentiment":"neutral","sentiment_score":-0.024673394858837128,"channel":1,"num_words":1,"start":2091.25,"end":2091.65},{"sentences":[{"text":"is good?","start":2091.2651,"end":2091.925,"sentiment":"neutral","sentiment_score":-0.005042731296271086}],"sentiment":"neutral","sentiment_score":-0.005042731296271086,"channel":0,"num_words":2,"start":2091.2651,"end":2091.925},{"sentences":[{"text":"Six six six months is fine.","start":2091.65,"end":2093.3298,"sentiment":"neutral","sentiment_score":0.009938717198868593},{"text":"Six months is fine.","start":2093.3298,"end":2094.47,"sentiment":"neutral","sentiment_score":0.04811570607125759}],"sentiment":"neutral","sentiment_score":0.02520951274782419,"channel":1,"num_words":10,"start":2091.65,"end":2094.47},{"sentences":[{"text":"Yep.","start":2093.985,"end":2094.485,"sentiment":"neutral","sentiment_score":0.16811847686767578},{"text":"Beautiful.","start":2094.625,"end":2095.125,"sentiment":"positive","sentiment_score":0.4991659522056579},{"text":"Fantastic.","start":2095.3452,"end":2095.8452,"sentiment":"positive","sentiment_score":0.4802442193031311},{"text":"Well, I'll let you go so you can read the document over.","start":2096.145,"end":2098.3052,"sentiment":"neutral","sentiment_score":0.19537140553196272},{"text":"If you do find you have any questions, please let me know.","start":2098.3052,"end":2100.96,"sentiment":"neutral","sentiment_score":0.12678703665733337}],"sentiment":"neutral","sentiment_score":0.18568259091288955,"channel":0,"num_words":27,"start":2093.985,"end":2100.96},{"sentences":[{"text":"I know it can be a lot to go through, and there's a lot of numbers and things in there.","start":2101.2,"end":2105.7,"sentiment":"neutral","sentiment_score":-0.05264075603336096},{"text":"If there is any questions, in my world, there is no such thing as a silly question.","start":2105.92,"end":2109.3599,"sentiment":"neutral","sentiment_score":-0.051574481760754305},{"text":"If it's something that you wanna know, this is your super.","start":2109.3599,"end":2111.76,"sentiment":"neutral","sentiment_score":0.23386979374018582},{"text":"This is the money that you've worked so hard for, and this is your retirement.","start":2111.76,"end":2115.06,"sentiment":"positive","sentiment_score":0.35194276372591654},{"text":"So I take it very it's very important to me to look after it, and I take it very seriously, and I wanna make sure that we do look after it for you.","start":2115.185,"end":2122.785,"sentiment":"positive","sentiment_score":0.3499006087129766}],"sentiment":"neutral","sentiment_score":0.18196716629123935,"channel":0,"num_words":96,"start":2101.2,"end":2122.785},{"sentences":[{"text":"So if there's anything you","start":2122.785,"end":2124.225,"sentiment":"neutral","sentiment_score":0.06668859794735908}],"sentiment":"neutral","sentiment_score":0.06668859794735908,"channel":0,"num_words":5,"start":2122.785,"end":2124.225},{"sentences":[{"text":"Yep.","start":2124.09,"end":2124.465,"sentiment":"neutral","sentiment_score":0.052219461649656296}],"sentiment":"neutral","sentiment_score":0.052219461649656296,"channel":1,"num_words":1,"start":2124.09,"end":2124.465},{"sentences":[{"text":"ever wanna know, you let me know, and I will make sure I answer it.","start":2124.225,"end":2127.9402,"sentiment":"neutral","sentiment_score":0.1386129250129064}],"sentiment":"neutral","sentiment_score":0.1386129250129064,"channel":0,"num_words":15,"start":2124.225,"end":2127.9402},{"sentences":[{"text":"No worries.","start":2128.3052,"end":2128.945,"sentiment":"neutral","sentiment_score":0.2956126406788826},{"text":"Thank you very much, Dana.","start":2128.945,"end":2130.225,"sentiment":"positive","sentiment_score":0.6988065004348755}],"sentiment":"positive","sentiment_score":0.5836082547903061,"channel":1,"num_words":7,"start":2128.3052,"end":2130.225},{"sentences":[{"text":"Okay?","start":2129.84,"end":2129.9202,"sentiment":"positive","sentiment_score":0.46848809719085693},{"text":"Easy.","start":2129.9202,"end":2130.4202,"sentiment":"positive","sentiment_score":0.5566024780273438}],"sentiment":"positive","sentiment_score":0.5125452876091003,"channel":0,"num_words":2,"start":2129.84,"end":2130.4202},{"sentences":[{"text":"Cheers.","start":2130.225,"end":2130.725,"sentiment":"positive","sentiment_score":0.6375196576118469}],"sentiment":"positive","sentiment_score":0.6375196576118469,"channel":1,"num_words":1,"start":2130.225,"end":2130.725},{"sentences":[{"text":"Thank you, Luke.","start":2130.56,"end":2131.36,"sentiment":"positive","sentiment_score":0.7989016572634379},{"text":"You have a lovely evening.","start":2131.36,"end":2132.6401,"sentiment":"positive","sentiment_score":0.8323862075805664},{"text":"I hope you have","start":2132.6401,"end":2133.28,"sentiment":"positive","sentiment_score":0.7092277407646179}],"sentiment":"positive","sentiment_score":0.7829622477293015,"channel":0,"num_words":12,"start":2130.56,"end":2133.28},{"sentences":[{"text":"You","start":2133.2651,"end":2133.7651,"sentiment":"positive","sentiment_score":0.5790395140647888}],"sentiment":"positive","sentiment_score":0.5790395140647888,"channel":1,"num_words":1,"start":2133.2651,"end":2133.7651},{"sentences":[{"text":"a great relaxing weekend.","start":2133.28,"end":2134.58,"sentiment":"positive","sentiment_score":0.7387585937976837}],"sentiment":"positive","sentiment_score":0.7387585937976837,"channel":0,"num_words":4,"start":2133.28,"end":2134.58},{"sentences":[{"text":"so do I.","start":2135.665,"end":2136.2249,"sentiment":"neutral","sentiment_score":0.24633022646109262},{"text":"So do I.","start":2136.2249,"end":2136.865,"sentiment":"neutral","sentiment_score":0.11273568868637085},{"text":"I will.","start":2136.865,"end":2137.585,"sentiment":"neutral","sentiment_score":0.14975157380104065},{"text":"Anyway, you you have a good one as","start":2137.585,"end":2139.1848,"sentiment":"positive","sentiment_score":0.40937926433980465}],"sentiment":"neutral","sentiment_score":0.2907334379851818,"channel":1,"num_words":16,"start":2135.665,"end":2139.1848},{"sentences":[{"text":"Talk.","start":2139.105,"end":2139.605,"sentiment":"neutral","sentiment_score":0.14880947768688202}],"sentiment":"neutral","sentiment_score":0.14880947768688202,"channel":0,"num_words":1,"start":2139.105,"end":2139.605},{"sentences":[{"text":"well.","start":2139.1848,"end":2139.4248,"sentiment":"neutral","sentiment_score":0.1894436776638031},{"text":"I'll talk to you talk","start":2139.4248,"end":2140.2249,"sentiment":"neutral","sentiment_score":0.10454478561878204}],"sentiment":"neutral","sentiment_score":0.11869460095961888,"channel":1,"num_words":6,"start":2139.1848,"end":2140.2249},{"sentences":[{"text":"Will","start":2140.065,"end":2140.305,"sentiment":"neutral","sentiment_score":0.05521419644355774}],"sentiment":"neutral","sentiment_score":0.05521419644355774,"channel":0,"num_words":1,"start":2140.065,"end":2140.305},{"sentences":[{"text":"to you","start":2140.2249,"end":2140.4648,"sentiment":"neutral","sentiment_score":0.09592745080590248}],"sentiment":"neutral","sentiment_score":0.09592745080590248,"channel":1,"num_words":2,"start":2140.2249,"end":2140.4648},{"sentences":[{"text":"do.","start":2140.305,"end":2140.805,"sentiment":"neutral","sentiment_score":0.09338171035051346}],"sentiment":"neutral","sentiment_score":0.09338171035051346,"channel":0,"num_words":1,"start":2140.305,"end":2140.805},{"sentences":[{"text":"later 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later.","start":2142.305,"end":2143.2048,"sentiment":"positive","sentiment_score":0.3958047529061635}],"sentiment":"positive","sentiment_score":0.4314628466963768,"channel":0,"num_words":4,"start":2141.9849,"end":2143.2048},{"sentences":[{"text":"Alright.","start":2143.105,"end":2143.605,"sentiment":"neutral","sentiment_score":0.21456430852413175}],"sentiment":"neutral","sentiment_score":0.21456430852413175,"channel":1,"num_words":1,"start":2143.105,"end":2143.605},{"sentences":[{"text":"Bye.","start":2143.265,"end":2143.765,"sentiment":"neutral","sentiment_score":0.19217759370803833}],"sentiment":"neutral","sentiment_score":0.19217759370803833,"channel":0,"num_words":1,"start":2143.265,"end":2143.765},{"sentences":[{"text":"Bye.","start":2143.825,"end":2144.325,"sentiment":"neutral","sentiment_score":-0.11263705790042876}],"sentiment":"neutral","sentiment_score":-0.11263705790042876,"channel":1,"num_words":1,"start":2143.825,"end":2144.325}]},"summary":{"result":"success","short":"During a presentation on retirement plans, the OeuF Financial representative Dana discusses personal information and retirement plans with Luke, including their property sales and renovations. The agent provides advice on retirement plans and retirement contributions, emphasizing the importance of maintaining investment efficiency and maintaining a low risk profile. The speaker also emphasizes the importance of retaining the Australian Super and the retirement policy, as well as the benefits of the policy and disclosing everything to achieve goals. The speaker provides advice on retirement plans and emphasizes the importance of keeping the towel policy."},"intents":{"segments":[{"text":"I had you booked in to go through your updated statement of advice this afternoon. Is now still a good time there for you? Yep.","start_word":21,"end_word":45,"intents":[{"intent":"Confirm appointment","confidence_score":0.06355373}]},{"text":"I do normally send through the document to you via email so you can review it as I'm going through it. Are you able to access your email, sir, at the moment?","start_word":66,"end_word":97,"intents":[{"intent":"Access email","confidence_score":0.41068152},{"intent":"Access email","confidence_score":0.3457052}]},{"text":"I do normally send through the document to you via email so you can review it as I'm going through it. Are you able to access your email, sir, at the moment? Yeah.","start_word":66,"end_word":98,"intents":[{"intent":"Send document","confidence_score":0.046002578}]},{"text":"Just while you are doing that, I just need to confirm we do record our calls moving forward for training and quality purposes. Are you happy to proceed with that? Yes. Legend.","start_word":184,"end_word":215,"intents":[{"intent":"Confirm call recording","confidence_score":0.0035349631}]},{"text":"On the bottom of that one there, it has my representative details. So I'm a licensed adviser authorized through ASIC, and my registration number is 1304394. Okay? Okay.","start_word":1088,"end_word":1115,"intents":[{"intent":"Evaluate adviser requirements","confidence_score":0.000057322515}]},{"text":"So we just wanna make sure that you kind of are comfortable with that, that you get through your probationary period, and then we'll have a really good look at your circumstances, look at the insurance cover, and I'll see what we can do to help you there, see if we can maybe consolidate and get more appropriate cover for you as well. Okay?","start_word":1657,"end_word":1720,"intents":[{"intent":"Consolidate insurance coverage","confidence_score":0.0416216}]},{"text":"One of the things you talked about down the track was when you sell the property, maybe looking at recontributing some of that military super pension back to super, Yeah.","start_word":1812,"end_word":1841,"intents":[{"intent":"Reagent super plan","confidence_score":1.2540313e-7}]},{"text":"Australian Super, but it was never actually a strategy put into place. So this document is essentially giving you a foundation going at the moment. We're gonna retain hub twenty four. We're gonna retain Australian Super. Essentially, within Australian Super. We only wanna retain $10,000 there. We do want you to make sure all of your contributions are directed into the Australian Super account, though, because it helps to keep your insurances enforced. There Yep.","start_word":2100,"end_word":2174,"intents":[{"intent":"Retain australian super","confidence_score":0.5602976}]},{"text":"your your contributions going into AustralianSuper to begin with, and then we'll every when we do catch ups and reviews with you each year, we'll review how much you have in the AustralianSuper account and sort of roll over anything over that $10,000 there for you. Okay? Yeah.","start_word":2215,"end_word":2262,"intents":[{"intent":"Review australian super's income","confidence_score":0.0027849784}]},{"text":"your your contributions going into AustralianSuper to begin with, and then we'll every when we do catch ups and reviews with you each year, we'll review how much you have in the AustralianSuper account and sort of roll over anything over that $10,000 there for you. Okay? Yeah. No worries.","start_word":2215,"end_word":2264,"intents":[{"intent":"Review australian super","confidence_score":0.06691076}]},{"text":"As a secondary measure as well, I'm also gonna organize and complete an opt in to Australian Super. So we can complete what's called an opt in form, which essentially states that if for any reason you don't receive contributions for that sixteen months and or, you know, something happens within the fund, the balance drops below the minimum, that they won't cancel the insurances.","start_word":2268,"end_word":2332,"intents":[{"intent":"Complete opt in form","confidence_score":0.36195672}]},{"text":"I did review Hub twenty four and AustralianSuper. Both of them are absolutely fine.","start_word":2390,"end_word":2403,"intents":[{"intent":"Review hub twenty four and australian super","confidence_score":0.06448253}]},{"text":"So I was able to look at a way to to maneuver and alter the investment options within Hub 24 for you to make it a bit easier and to alleviate, essentially, the underperforming investments and to remove a few things there for you. Okay? Okay.","start_word":2432,"end_word":2477,"intents":[{"intent":"Remove underperforming investments","confidence_score":0.08291519}]},{"text":"If I can get you to I'm gonna go a little bit backwards now to sort of show you what I'm gonna do with the investments.","start_word":2480,"end_word":2505,"intents":[{"intent":"Show","confidence_score":0.0190524}]},{"text":"With with, essentially, the bulk of the recommendations, as I mentioned, I'm gonna retain hub twenty four and AustralianSuper. We wanna roll all about 10,000 out of AustralianSuper to make sure more money is coming into Hub twenty four and being invested in that kind of environment for you.","start_word":2718,"end_word":2766,"intents":[{"intent":"Retain","confidence_score":0.42227644}]},{"text":"That way, we've got that measure to keep the insurances rolling in that account for you, and, also, we're gonna apply the opt in form as well. Within Okay.","start_word":2780,"end_word":2808,"intents":[{"intent":"Apply opt-in form","confidence_score":0.059675403}]},{"text":"The newer portfolio between the two is still in that high growth environment, but when we look at how it has performing over the past five years, it's averaged about a 15.71% on a yearly basis. So this the portfolio we wanna move you into has the greater potential for greater growth, which means, essentially, if the portfolio can do what it has over the past five years, you could see yourself in a much greater position there. Yeah.","start_word":3027,"end_word":3105,"intents":[{"intent":"Enhance portfolio performance","confidence_score":0.031739745}]},{"text":"If I can get you to go down for me just to page number 23, this has the Yep. investment recommended investments in a whole big table with bits and pieces on it there.","start_word":3258,"end_word":3291,"intents":[{"intent":"Review portfolio recommendations","confidence_score":0.0015583053}]},{"text":"So we wanna hold 8% of your portfolio. So it does mean that we are gonna buy a little over a thousand dollars into that for you. BetaShares India, that was one that was underperforming. We talked about that. We didn't like that anymore, so we've removed that completely from your portfolio. So we're gonna sell that down to zero and remove that holding. Yep.","start_word":3659,"end_word":3723,"intents":[{"intent":"Update portfolio diversification","confidence_score":0.026556777}]},{"text":"It's giving you essentially great diversification as well because Benelon only held anywhere between 15 to 25 different investments in there. So removing that and adding another 200 companies into the mix is sort of bringing greater diversification, helping to lower the overall risk of your portfolio as well.","start_word":4048,"end_word":4096,"intents":[{"intent":"Clarify portfolio diversification","confidence_score":0.0022262647}]},{"text":"So cementing some of the gains and reinvesting those back into the portfolio to assist with the compounding effect.","start_word":4375,"end_word":4393,"intents":[{"intent":"Reinvest back gains","confidence_score":0.0004816959}]},{"text":"So one of the things we talked about was that when I go back and review portfolios, also look at the CDT aspect because your super fund, like you, does a tax return every year. It pays income tax. It pays capital gains tax as well. And so to do these changes, if you look at that fee comparison table, the differences column has zero in it. So there's no capital gains consequences for making these changes.","start_word":5019,"end_word":5095,"intents":[{"intent":"Analyze portfolio changes","confidence_score":0.008610449}]},{"text":"We can, you know, utilize what has happened, build a better portfolio for it. It's got stronger past performance, which, you know, depending on markets and down the track, can provide you with a greater, better return. And it's also a bit cheaper there for you.","start_word":5159,"end_word":5204,"intents":[{"intent":"Optimize portfolio performance","confidence_score":0.18898305}]},{"text":"So if you still weren't able to get back to work and if you met that definition that we could still look to claim on that down the track, I still wanna be able to meet and reassess the insurances.","start_word":5476,"end_word":5515,"intents":[{"intent":"Reassess insurances","confidence_score":0.5167293}]},{"text":"Depending on what your job is, I'll go out to the insurance and see, you know, what they're able to come to the party with. You just never know.","start_word":5515,"end_word":5543,"intents":[{"intent":"Determine job","confidence_score":0.000051585725}]},{"text":"No worries.","start_word":5620,"end_word":5621,"intents":[{"intent":"Consider retirement options","confidence_score":0.0026939448}]},{"text":"The only other parts in here are the retention of your military super.","start_word":5625,"end_word":5637,"intents":[{"intent":"Recall military super","confidence_score":0.0052171145}]},{"text":"That is a great pension that you're receiving there. It's extra money, and it was definitely good support for you whilst you were off work.","start_word":5649,"end_word":5673,"intents":[{"intent":"Obtain pension","confidence_score":0.0011366955}]},{"text":"of my military military career. Like, as much as I as much as I I was looking forward Absolutely.","start_word":5736,"end_word":5754,"intents":[{"intent":"Share experience","confidence_score":0.00070902565}]},{"text":"All these strategies do have what's called a best interest duty, which basically has my reasoning on why I've made the recommendations there for you. They also relate them back to your goals, and then then we've also got the advantages, disadvantages, and the risks involved.","start_word":5956,"end_word":6001,"intents":[{"intent":"Make recommendations","confidence_score":0.005696731}]},{"text":"So just making sure that we do have your beneficiaries up to date, and I'll follow-up with the team.","start_word":6096,"end_word":6114,"intents":[{"intent":"Follow-up with team","confidence_score":0.45294085}]},{"text":"those beneficiaries are in place.","start_word":6226,"end_word":6230,"intents":[{"intent":"Verify beneficiaries and payment details","confidence_score":0.0001960199}]},{"text":"So this is the remuneration side of things. You obviously pay an ongoing service fee for us looking after your super and providing advice and assisting you down the track. But we also do receive remuneration from TOW.","start_word":6281,"end_word":6318,"intents":[{"intent":"Provide assistance in remuneration","confidence_score":0.000423383}]},{"text":"You obviously pay an ongoing service fee for us looking after your super and providing advice and assisting you down the track.","start_word":6289,"end_word":6310,"intents":[{"intent":"Provide advice and advice","confidence_score":0.0010485991}]},{"text":"If you decide to take on the recommendations, we do have how to implement down on page 56. It just basically notes that if you are happy to take on board the recommendations when you're comfortable, we get you to sign and return the document back.","start_word":6493,"end_word":6538,"intents":[{"intent":"Recommend implementing recommendations","confidence_score":0.014365735}]},{"text":"We'll start by completing the investment switch within your Hub twenty four account.","start_word":6539,"end_word":6551,"intents":[{"intent":"Complete investment switch","confidence_score":0.77835804}]},{"text":"We'll help to do the investment switch within AustralianSuper. Normally, that is a form. Sometimes they ask you to email it to them. Sometimes they'll allow us to do it. We'll always try first. If they don't allow us to email it, we'll just get you to sign it and send it direct to AustralianSuper. Not a problem.","start_word":6553,"end_word":6610,"intents":[{"intent":"Send investment switch","confidence_score":0.0038571153}]},{"text":"do the rollover for you, and then we'll also help you to make sure that the opt in is sorted there. Okay? Okay.","start_word":6614,"end_word":6636,"intents":[{"intent":"Understand and sort out opt-in","confidence_score":0.00017636774}]},{"text":"Well, I'll make sure to look after you. I do wanna do a catch up with you in about six months. Are you comfortable with that?","start_word":6802,"end_word":6827,"intents":[{"intent":"Catch up with a friend","confidence_score":0.0005183503}]}]},"sentiments":{"segments":[{"text":"Hi, Luke. It's Dana from OKIE Financial. How are you this afternoon? Yeah. Not too bad.","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.14806552231311798},{"text":"Not too bad. That's good. I had you booked in to go through your updated statement of advice this afternoon.","start_word":16,"end_word":35,"sentiment":"positive","sentiment_score":0.407012939453125},{"text":"Is now still a good time there for you? Yep.","start_word":36,"end_word":45,"sentiment":"neutral","sentiment_score":0.2619644105434418},{"text":"I'm here in my in my kitchen with a cup of tea. I'm ready to go. I love it. Fantastic. I do normally send through the document to you via email so you can review it as I'm going through it.","start_word":46,"end_word":86,"sentiment":"positive","sentiment_score":0.43075546622276306},{"text":"Are you able to access your email, sir, at the moment? Yeah. I'll be able to jump on my computer if need be.","start_word":87,"end_word":109,"sentiment":"neutral","sentiment_score":0.15042927861213684},{"text":"Fantastic. I'm just sending that one through to you there just because sometimes it's easier to be looking at it as I'm going through it.","start_word":110,"end_word":134,"sentiment":"positive","sentiment_score":0.45245587825775146},{"text":"That I way, won't it doesn't be feel like I'm talking at you at all. No worries. Well, I'll go and I'll go and move myself into the into my where my computer is. No worries. Take a cup of tea there with you. Already ahead of you.","start_word":135,"end_word":182,"sentiment":"neutral","sentiment_score":0.1989816576242447},{"text":"Excellent.","start_word":183,"end_word":183,"sentiment":"positive","sentiment_score":0.469065934419632},{"text":"Just while you are doing that, I just need to confirm we do record our calls moving forward for training and quality purposes. Are you happy to proceed with that? Yes. Legend. And just to do a quick security check there with you as well, just to confirm your full name, your date of birth, and address I should have on file. Yep. It's Luke Matthew Holman. 20 For the third, nine eighty three, seven Baffa Yep. Street, Norfolk, Tasmania.","start_word":184,"end_word":263,"sentiment":"neutral","sentiment_score":0.10578452795743942},{"text":"Beautiful. Thank you so much for that.","start_word":264,"end_word":270,"sentiment":"positive","sentiment_score":0.5527313351631165},{"text":"And how's the new job going? You've been there for nearly a week? Oh, no. I've been I've been there for a for nearly a month Oh, fantastic. now. Excellent. It's all going well? Yeah. Going on so far. Yeah. Oh, good. Good. Yeah. Yeah. Tave me Fantastic. business at least. Yeah. Absolutely. It makes a big difference getting up and going to work every day. I mean, it can be quite arduous at times, but it still I kinda did gives I you honestly something to do. I honestly I did I did for for a small fraction of time, I did enjoy unemployment. It was kinda it was it I was bet. it Yeah.","start_word":271,"end_word":386,"sentiment":"neutral","sentiment_score":0.106099432398533},{"text":"was kinda nice just to to to weigh in sort of an early retirement present a a preview of retirement. Yeah. Absolutely.","start_word":387,"end_word":408,"sentiment":"positive","sentiment_score":0.48772746324539185},{"text":"You know, every day. Yeah. Yes.","start_word":409,"end_word":414,"sentiment":"neutral","sentiment_score":0.2804490625858307},{"text":"I'm I'm I'm fortunate enough. I've got I've got a nice lump of savings, and I've got, you Yep.","start_word":415,"end_word":433,"sentiment":"positive","sentiment_score":0.44596007466316223},{"text":"know, other sources of income. So I was able Absolutely. to I Yeah. wasn't I wasn't wasn't overly stressed. I sort of just woke up each day and sort of, you know, well, I don't really have to do much today. Just to do a little bit Give of housework and housework and lounge yeah. about. Yeah. Give you a taste of those your time it is when you eventually get Yeah. to them. Yeah. Yeah. I was talking talking to my old man. So, you know, I'm trialing out your retirement package that you got going at the moment. It's not it's not I not love at it. all. No.","start_word":434,"end_word":544,"sentiment":"neutral","sentiment_score":0.036665402352809906},{"text":"That's fantastic. I'm glad you're enjoying your job. That's really good to see.","start_word":545,"end_word":557,"sentiment":"positive","sentiment_score":0.6730694770812988},{"text":"Yeah. Yeah. Yeah. No. They Oh, they they good. seem they seem to be they seem to be good people. So Yeah.","start_word":558,"end_word":579,"sentiment":"neutral","sentiment_score":0.11617881059646606},{"text":"Oh, fantastic. Fantastic.","start_word":580,"end_word":582,"sentiment":"positive","sentiment_score":0.5964874625205994},{"text":"And you were in the process of, you know, getting selling your property as well. How's that going? It's it's yeah. It's still it's hang on one second. You're right. So sorry. Yeah. It's it's it's we've had a we've got a couple of people that are nibbling at it, Yep. but no no ironclad offers just yet. There's Yeah. there's one there's one fellow so there's two. There's a there's a couple, and there's a one fella that's super keen on it, but he's the the fact that I've got a tenant until April next year is a sticking point to him because he's not Yeah. too sure what he said it's Yeah.","start_word":583,"end_word":696,"sentiment":"neutral","sentiment_score":-0.050447594112994376},{"text":"a a tax a tax problem for him.","start_word":697,"end_word":704,"sentiment":"negative","sentiment_score":-0.39988279342651367},{"text":"Yeah. So Understandable. he's trying he's he's trying with his broker to to swing it, but yeah. So yeah. He's Yeah. he's been to the property a couple of times now, and he's he's super according to the the real estate agent that I talked to, he's he's very, very keen on the place. So Yeah. fingers fingers crossed fingers crossed he bites. But, yeah, there Absolutely. was a last last Saturday, there was another couple that are down semi I think they were semi retired. They're downsizing from a bigger house. They wanna move and move into a smaller a smaller house such as such as the one that I have. And, yeah, they were Yes. super super keen on it as well because they had, you know, they've because I've done a bit of renovations on, like, bathroom and kitchen and all and the the lounge room and that in it. And, yeah, they're all they're very keen on on the work that has been that have been done in the yeah. So but I haven't heard anything more. So Yeah. wait and Well, see. cross Wait and yeah. see. Cross your fingers a few decent nibbles there, so we'll see what happens. Yeah. Yeah. I've got I've got time up my sleeves. Yeah. Yeah. There's You no do. it doesn't Absolutely. it it doesn't have to it doesn't have to doesn't have to sell tomorrow. Yeah. No. That's all good. How are you going with that email there? Yeah. I'm looking at it as we're speaking.","start_word":705,"end_word":963,"sentiment":"neutral","sentiment_score":0.08651848137378693},{"text":"Oh, beautiful. Excellent.","start_word":964,"end_word":966,"sentiment":"positive","sentiment_score":0.6552900075912476},{"text":"So the first page on the document, there is a statement of of advice that I prepared for yourself as of the 08/26/2026. We date it for the date of the presentation, but I've had it updated as well because you are now working.","start_word":967,"end_word":1010,"sentiment":"neutral","sentiment_score":0.1684785634279251},{"text":"So we are reflecting contributions and things going into the account so you can Yep.","start_word":1011,"end_word":1025,"sentiment":"positive","sentiment_score":0.4270508587360382},{"text":"sort of see where you would where you are tracking for based on your current circumstances.","start_word":1026,"end_word":1041,"sentiment":"neutral","sentiment_score":0.33123546838760376},{"text":"Essentially, Yep. all of our advice is valid for sixty days, so you don't have to sign it today. You can take it back and read it, and let me know if you do happen to have any questions there at all.","start_word":1042,"end_word":1083,"sentiment":"positive","sentiment_score":0.4276372790336609},{"text":"Okay? Sure. No worries. On the bottom of that one there, it has my representative details. So I'm a licensed adviser authorized through ASIC, and my registration number is 1304394. Okay? Okay. The next page, as you are kinda scrolling through, is the best interest duty. So it's just important to note that any advice we do provide is done so under the best interest duty, which is part of the corporation's desk. It's about making sure we understand your circumstances in full so we can make sure the advice is appropriate to you and your circumstances, and we are working towards your goals as well. Okay? Mhmm. On pages three onwards, we've got kind of the areas that we are scoping in and out with regards to the advice. So we're looking at for this one here, superannuation. You're working towards your goal of being able to retire until about age 67, give or take, when you get to that point. We were looking at removing some under Yep. Yep. Australian Super account, just making sure we keep those insurances in place for the retaining the Australian super account, just making sure we keep those insurances in place for the time being. So I've Yep. recommended and had a strategy put in place there. So this is kind of also a foundation SOA as well.","start_word":1084,"end_word":1309,"sentiment":"neutral","sentiment_score":0.1401544064283371},{"text":"So we're sort of starting with this is what we are basing things on now, and we'll kind of track forward from that for you.","start_word":1310,"end_word":1334,"sentiment":"positive","sentiment_score":0.35094061493873596},{"text":"Okay? And the military super slash pension account, we are retaining that. Obviously, that's kind of a no brainer sort of scenario there. You are receiving a regular Yep. pension payment from that one, but I wanted Yep. to make sure as part of the advice, we had considered everything so we know exactly what you've got coming in, and then we can kinda track forward from there. Okay? Yep. And then the estate planning side of things has been considered as well. We have talked about your beneficiaries. I believe my team had sent those documents out to you, but I wanted to incorporate that into the advice as well just to make sure that we had attached on all the areas that are relevant of importance in your circumstances and making sure those beneficiaries are recommended and updated correctly as part of that for you. Okay? Right. Yep.","start_word":1335,"end_word":1484,"sentiment":"neutral","sentiment_score":0.19476851567626},{"text":"Excellent.","start_word":1485,"end_word":1485,"sentiment":"positive","sentiment_score":0.4934021830558777},{"text":"Areas that we are not considering as part of the advice is on page sort of six and onwards there. So retirement, you are quite young still. You have a lot of time ahead of you there. So because we're only projecting sort of five to ten years down the track, we don't project any longer than ten years ahead. There are too many things that could change in your circumstances, so we don't project out thirty or forty years down the down the track Yeah. there. Yep. We go about retirement for now, and we'll come back and look at that as it becomes more appropriate there for you. Okay? Sure. Sure. Trauma is one of the insurances that you don't currently hold. We're not looking at applying for any new cover at the moment. That'll be something that we do come and look at down the track. As of our last conversation, you weren't employed then. Now you've got a job, but you're in that kind of probationary period. So we just wanna make sure that you kind of are comfortable with that, that you get through your probationary period, and then we'll have a really good look at your circumstances, look at the insurance cover, and I'll see what we can do to help you there, see if we can maybe consolidate and get more appropriate cover for you as well. Okay? One second. Yeah. I've been summoned to assist, so I told them to go. They'll have Oh, to sort sort sort themselves out for the moment. I'm busy. You're right. If you need me to stop at any point or if you need to No. go and No. No. look Let's after anything, no. you're Let's get good. You're no. good? Let's get let's get let's get let's get through it. I'll manage without Excellent. me.","start_word":1486,"end_word":1796,"sentiment":"neutral","sentiment_score":-0.05664249763515601},{"text":"Fantastic.","start_word":1797,"end_word":1797,"sentiment":"positive","sentiment_score":0.5643203258514404},{"text":"We are also putting off any additional, like, contributions to super at the moment. One of the things you talked about down the track was when you sell the property, maybe looking at recontributing some of that military super pension back to super, Yeah. trying to Yeah. sort of find a way to invest that and grow those funds. We're scoping Yeah. that out for now, but we'll come back and reevaluate that reevaluate that down the track. And we're Yep. also scoping out anything to do with the sale of the property and the proceeds from that. We can come back and talk to you more about that down the track and what to do with the proceeds and what your goals are and, you know, help you along the area down the track as well. Okay? Yeah. Sure. Sure.","start_word":1798,"end_word":1938,"sentiment":"neutral","sentiment_score":0.08613841235637665},{"text":"Excellent.","start_word":1939,"end_word":1939,"sentiment":"positive","sentiment_score":0.4508203864097595},{"text":"I am gonna skip through a fair few pages here because, essentially, you get to go back and have a read to the document. And if I sit here going through 40 pages, you could be here for the next two hours. Yep. Yep. So if I can get you to scroll down to page number 14 for me, I'll start running you through the recommendations. I'll hit the parts that I need to hit there for you, and then I'll let you go back and have a really good read through it. Yep. Excellent. Page 14. Page Yeah. 14, strategy recommendations. That's the one.","start_word":1940,"end_word":2044,"sentiment":"neutral","sentiment_score":0.14997512102127075},{"text":"Fantastic.","start_word":2045,"end_word":2045,"sentiment":"positive","sentiment_score":0.46667909622192383},{"text":"Yeah. So with this one here, we had a look at your super. You've got your Australian super and your hub 24 there. I am recommending that we retain both of those. Yes, And one of the things that happened in the past was we have sort of verbally confirmed we retained ma'am. Australian Super, but it was never actually a strategy put into place. So this document is essentially giving you a foundation going at the moment. We're gonna retain hub twenty four. We're gonna retain Australian Super. Essentially, within Australian Super. We only wanna retain $10,000 there. We do want you to make sure all of your contributions are directed into the Australian Super account, though, because it helps to keep your insurances enforced. There Yep. are certain laws around the insurances within within the industry funds where if you don't receive contributions for over sixteen months, the income protection component especially can decrease, and they can also delete the TPD side of things. So keeping Yep. your your contributions going into AustralianSuper to begin with, and then we'll every when we do catch ups and reviews with you each year, we'll review how much you have in the AustralianSuper account and sort of roll over anything over that $10,000 there for you. Okay? Yeah. No worries. No worries.","start_word":2046,"end_word":2266,"sentiment":"neutral","sentiment_score":0.15044338556166686},{"text":"Excellent. As a secondary measure as well, I'm also gonna organize and complete an opt in to Australian Super.","start_word":2267,"end_word":2285,"sentiment":"positive","sentiment_score":0.3778427243232727},{"text":"So we can complete what's called an opt in form, which essentially states that if for any reason you don't receive contributions for that sixteen months and or, you know, something happens within the fund, the balance drops below the minimum, that they won't cancel the insurances. So this is a secondary Sure. security measure. It's called an opt in form. We'll get you to sign one, and we'll send it to AustralianSuper.","start_word":2286,"end_word":2358,"sentiment":"neutral","sentiment_score":0.193204328417778},{"text":"That way, they can have that on file just to protect you in the event sort of a secondary measure to keep those insurances enforced there for you.","start_word":2359,"end_word":2386,"sentiment":"positive","sentiment_score":0.3340228497982025},{"text":"Okay? No worries. I did review Hub twenty four and AustralianSuper.","start_word":2387,"end_word":2397,"sentiment":"neutral","sentiment_score":0.25185680389404297},{"text":"Both of them are absolutely fine.","start_word":2398,"end_word":2403,"sentiment":"positive","sentiment_score":0.47542721033096313},{"text":"There's no reason to kind of move out of Hub twenty four for the moment, and Hub twenty four still has a wider range of investment options available. So I was able to look at a way to to maneuver and alter the investment options within Hub 24 for you to make it a bit easier and to alleviate, essentially, the underperforming investments and to remove a few things there for you. Okay? Okay. Yep. If I can get you to I'm gonna go a little bit backwards now to sort of show you what I'm gonna do with the investments. But if you can roll down for me to page number 21. 21. Yeah. This is the fee comparison table. This is essentially showing you Okay. the recommendation with the dollar figure side of it. So at the moment, you've got your hub twenty four and your Australian super account there with your two balances respectively. You've also got Yep. administration fees. You're paying, sorry, investment fees as well. We've got the ongoing service fee coming out of hub twenty four for our services and looking after everything and contributions also are being factored in because you are now still are now getting them. You've also got some insurance premiums coming out of both Hub twenty four and also Australian Super there. Within the portfolios, you are in a high growth portfolio, and we've kinda looked at the two different accounts. The way you're invested across, you are still in a high growth portfolio across the two of them. But when we look at how these investments have been performing on an average over the past five years, it's averaged about 12.80, which look is not a bad return at all, but there have been some underperforming investments that we did wanna look at moving out for you as well. Okay? Sure. Sure. With with, essentially, the bulk of the recommendations, as I mentioned, I'm gonna retain hub twenty four and AustralianSuper.","start_word":2404,"end_word":2736,"sentiment":"neutral","sentiment_score":0.13836569345749175},{"text":"We wanna roll all about 10,000 out of AustralianSuper to make sure more money is coming into Hub twenty four and being invested in that kind of environment for you. We want your contributions from your employer to go into the AustralianSuper account. That way, we've got that measure to keep the insurances rolling in that account for you, and, also, we're gonna apply the opt in form as well.","start_word":2737,"end_word":2806,"sentiment":"positive","sentiment_score":0.3622166514396667},{"text":"Within Okay. AustralianSuper, essentially, between Hub twenty four and AustralianSuper, you will still have administration fees at play there. You're also gonna have investment fees.","start_word":2807,"end_word":2831,"sentiment":"neutral","sentiment_score":0.23620487749576569},{"text":"However, with the newer portfolio, it's actually reducing the amount of investment fees payable. Essentially, we can save you $292 a year by switching these investments. So it means more money stays invested in your super working harder for you.","start_word":2832,"end_word":2871,"sentiment":"positive","sentiment_score":0.4573254853487015},{"text":"Okay?","start_word":2872,"end_word":2872,"sentiment":"neutral","sentiment_score":0.2575242817401886},{"text":"Yep.","start_word":2873,"end_word":2873,"sentiment":"positive","sentiment_score":0.3662738800048828},{"text":"With the ongoing service fee, that does increase a little bit. It is 1.65% per annum, and it is based on the balance in the account.","start_word":2874,"end_word":2899,"sentiment":"neutral","sentiment_score":0.21766149997711184},{"text":"So we do know it increases slightly because the balance in hub twenty four is expected to increase, and this figure also takes into account the first year's growth ex expected growth of the year.","start_word":2900,"end_word":2934,"sentiment":"positive","sentiment_score":0.39050430059432983},{"text":"Okay? Sure. No change to the insurance premiums because we're not making any changes there. We're retaining the insurances exactly as they are for a bit longer, and I'll make sure once you've gone through your probationary period, we make sure we do a bit of a catch up in six months, see how things are tracking along, and see what you wanna do insurance wise and see what your goals are, and we'll see what we can do to help you to improve on the strategy further. Okay? No no worries. The newer portfolio between the two is still in that high growth environment, but when we look at how it has performing over the past five years, it's averaged about a 15.71% on a yearly basis.","start_word":2935,"end_word":3062,"sentiment":"neutral","sentiment_score":0.25013279914855957},{"text":"So this the portfolio we wanna move you into has the greater potential for greater growth, which means, essentially, if the portfolio can do what it has over the past five years, you could see yourself in a much greater position there.","start_word":3063,"end_word":3104,"sentiment":"positive","sentiment_score":0.4964406192302704},{"text":"Yeah. No If worries. you scroll down to the next page for me, you'll see the projection table there. I do like Yep. to be very honest. Essentially, we are working on past data with investments, so there's definitely no guarantee there. But if when you look at the volatility and what's been going on with the investment portfolios, if they can obtain this kind of return over the next sort of five to ten years, you can sort of see where it's where it's expecting to sort of put you at over that time frame.","start_word":3105,"end_word":3200,"sentiment":"neutral","sentiment_score":0.17186743021011353},{"text":"So it is giving you greater growth long term, and we just wanna make sure we review things on a regular basis.","start_word":3201,"end_word":3222,"sentiment":"positive","sentiment_score":0.3839894831180573},{"text":"And, again, if we find investments that aren't performing properly or the portfolio needs to be updated or altered, then we'll make sure we do that with you as well. Okay? No no worries.","start_word":3223,"end_word":3256,"sentiment":"neutral","sentiment_score":0.08433398242820711},{"text":"Excellent.","start_word":3257,"end_word":3257,"sentiment":"positive","sentiment_score":0.7264628410339355},{"text":"If I can get you to go down for me just to page number 23, this has the Yep. investment recommended investments in a whole big table with bits and pieces on it there. On the first column, you've got the investments that you have currently. Now within AustralianSuper, as I kinda mentioned, the the we're gonna retain 10,000 there. However, I do wanna do a slight switch of the investment. So you are in a balanced portfolio within Australian Super at the moment. I wanna move you that 10,000 we have left over. I wanna move it into more of a high growth portfolio. They have just a balanced growth and a high growth portfolio. We're gonna when that 10,000 is left in there, switch that into the high growth portfolio so it keeps you in that high growth environment. You were technically in that high growth environment with the balanced portfolio you're in, but the newer high growth portfolio when combined with the Hub twenty four investments can get that greater potential. So even though money is sitting in Australian Super and it's there to kinda look after your insurances, we still want it to be working harder for you at the end of the day. So Yep. the way this essentially works is we sell all the $37,410 out of that balanced portfolio. Most of it comes over into hub twenty four, and that 10,000 sits in the high growth environment. What we'll probably do to make this work a bit easier for you is we'll do what's called a rollover first. We'll roll the seven 27,410 from AustralianSuper into Hub 24, and then what's left, we'll do the switch with. That way, it works out better for you. Okay? Okay. Sure.","start_word":3258,"end_word":3552,"sentiment":"neutral","sentiment_score":0.1436966061592102},{"text":"Excellent.","start_word":3553,"end_word":3553,"sentiment":"positive","sentiment_score":0.4173732101917267},{"text":"Within Hub twenty four, what we're gonna do investment wise here is with the cybersecurity. At the moment, if you look at the third column, that shows your current weighting within the portfolio. Cybersecurity has been fine. It's not been doing bad at all. It has had a lot of ups and downs this year. We wanna hold more of it. It is giving you access to global cybersecurity, and moving forward, there is a lot of, a lot going into that kinda area with the way the government is Yeah. spending, and there's a lot of Yep. growth still to happen there as well. So we wanna hold 8% of your portfolio. So it does mean that we are gonna buy a little over a thousand dollars into that for you. BetaShares India, that was one that was underperforming. We talked about that.","start_word":3554,"end_word":3697,"sentiment":"neutral","sentiment_score":0.060005714314886265},{"text":"We didn't like that anymore, so we've removed that completely from your portfolio.","start_word":3698,"end_word":3710,"sentiment":"negative","sentiment_score":-0.4443835318088531},{"text":"So we're gonna sell that down to zero and remove that holding. Yep. You've also got the global health care again giving you global diversification. We wanna hold eight percent of this investment. You currently have about 6.70%, so we're gonna invest some more money into that for you. Cool. The S and P five 100 is still performing very well, has had a lot a lot of ups and downs this year.","start_word":3711,"end_word":3783,"sentiment":"neutral","sentiment_score":0.13685718178749084},{"text":"However, US markets and US securities are still performing very nicely.","start_word":3784,"end_word":3794,"sentiment":"positive","sentiment_score":0.3527259826660156},{"text":"If you wanna hold about 26% in there, you've got about 25.30% there at the moment, so buying a little bit more just to bring you up. We've also got the Raffy the Raffy 200.","start_word":3795,"end_word":3829,"sentiment":"neutral","sentiment_score":0.2008371353149414},{"text":"This one here is still good.","start_word":3830,"end_word":3835,"sentiment":"positive","sentiment_score":0.336473286151886},{"text":"You're a little bit overexposed at the moment, so we just wanna sell off a little bit to bring you back to 16%, but we still wanna keep it. It is giving you good diversification into Australian equities, and we're gonna Yep. basically have a secondary investment to complement that to go to replace the Benelon Australian equities, which is the other one that was very heavily underperforming in your portfolio there. Okay? Yeah. Yep. And that's the next one down here. So the Banna Long Australian Equities, that was the one that was down very heavily. We wanted to get rid of that. We are selling that completely out of the portfolio. And, essentially, we are gonna replace that with the BetaShares a 200. So, again, this is another 200 companies in the ASX that's giving you between that and the RASK, they're giving you good diversification into high into big cap companies, essentially. The beta shares a 200 tracks the top 200 companies on the ASX. And by high holding the Rafi and the beta, you are sorry. Yeah. The the beta shares a 200 and the Rafi sorry. I can't talk this afternoon. It is You're giving up. you exposure to all those those high cap large cap companies.","start_word":3836,"end_word":4047,"sentiment":"neutral","sentiment_score":0.062266568280976126},{"text":"It's giving you essentially great diversification as well because Benelon only held anywhere between 15 to 25 different investments in there. So removing that and adding another 200 companies into the mix is sort of bringing greater diversification, helping to lower the overall risk of your portfolio as well. And it's a more of a passive investment, so it's actually making it cheaper for you to hold. It's partly saving some of your investment fees within the portfolio as well.","start_word":4048,"end_word":4127,"sentiment":"positive","sentiment_score":0.4898993670940399},{"text":"Okay? Okay.","start_word":4128,"end_word":4129,"sentiment":"neutral","sentiment_score":0.1847078949213028},{"text":"Okay. Excellent.","start_word":4130,"end_word":4131,"sentiment":"positive","sentiment_score":0.4425363540649414},{"text":"We talked about keeping a little bit of active management in the portfolio there as well, and that's where we've got the JRegs. This is a JPMorgan Global Research enhanced equity fund. This is utilizing JPMorgan's research team to pick and choose where markets might be growing. They look at it globally, so not just in Australia or The US. They look globally, so across the entire globe.","start_word":4132,"end_word":4199,"sentiment":"neutral","sentiment_score":0.19708895683288577},{"text":"It's giving you further diversification, and there's a small active component in this in this investment as well. So keeping that gives you a little bit of an actively an actively managed component to your portfolio, which is great, but also keeping costs low.","start_word":4200,"end_word":4243,"sentiment":"positive","sentiment_score":0.3863881826400757},{"text":"So we're gonna hold about 16% of this investment there for you and buy a little bit 8 of of over $1,800 into that one for you. Okay? Yeah. Okay.","start_word":4244,"end_word":4273,"sentiment":"neutral","sentiment_score":0.2911008298397064},{"text":"Excellent.","start_word":4274,"end_word":4274,"sentiment":"positive","sentiment_score":0.4374905526638031},{"text":"We've got physical gold in there.","start_word":4275,"end_word":4280,"sentiment":"neutral","sentiment_score":0.273807555437088},{"text":"9% at the moment, physical gold has done really, really well.","start_word":4281,"end_word":4291,"sentiment":"positive","sentiment_score":0.3691824674606323},{"text":"Gold is only a growth asset. It doesn't produce any kind of income, so it is solely a growth asset. It does act defensively depending on, you know, how markets are reacting. People tend to take money out of it and move it into gold as a safe haven when markets aren't doing too well. But one important factor with gold is that in order to sort of take advantage of that growth, you do have to rebalance every now and then.","start_word":4292,"end_word":4373,"sentiment":"neutral","sentiment_score":0.11349617689847946},{"text":"So cementing some of the gains and reinvesting those back into the portfolio to assist with the compounding effect.","start_word":4374,"end_word":4392,"sentiment":"positive","sentiment_score":0.40821319818496704},{"text":"So we So are just we're gonna taking sell 2%. a We're taking yep. 2% out of that one. Yep. Yep. 2% back. We only wanna hold 7% gold. So we'll take it a little over $3,000 out of that one and reinvest back into your portfolio. Okay? Yeah. Okay.","start_word":4393,"end_word":4442,"sentiment":"neutral","sentiment_score":0.1116374209523201},{"text":"Excellent.","start_word":4443,"end_word":4443,"sentiment":"positive","sentiment_score":0.4469491243362427},{"text":"And then we've got the bank hybrids. These are more of a defensive investment. However, they are being phased out by the government down the track, so we are looking to remove those from your portfolio now. Whilst we are making these big changes, we may as well make all the changes rather than doing this now and then coming back when the government says they have to be removed and having to swap them out at the last minute for you. So removing them out of your portfolio completely. And on the next page there, we're gonna essentially replace the bank hybrids with core composite bonds. That is the very bottom one there. This is giving you exposure to government and corporate bonds. It does also have notes and other defensive assets that are globally, but it is essentially 90% Australian, and it's government and corporate bonds. Having about 8% of this for you keeps you using a high growth kind of environment, which is at ninety ten sort of split we went through. And, essentially, having some defensive assets is good for cash producing. All these other ETFs do provide dividends and things like that, all but the gold. We still wanna see dividends being paid out as well as the income from the core composite bonds.","start_word":4444,"end_word":4662,"sentiment":"neutral","sentiment_score":0.06463655829429626},{"text":"That way, the funds go into your cash account, and we can reinvest it back into the portfolio to continue the compounding effect there for you.","start_word":4663,"end_word":4688,"sentiment":"positive","sentiment_score":0.3510710597038269},{"text":"Okay? No worries. No worries.","start_word":4689,"end_word":4693,"sentiment":"neutral","sentiment_score":0.11105161160230637},{"text":"Excellent.","start_word":4694,"end_word":4694,"sentiment":"positive","sentiment_score":0.3927575349807739},{"text":"And the one above that is the beta shares of the 200, the a 200 there, and that's what will replace the Benelon Australian Equities for you. Okay? Yeah. Okay. Okay. No Excellent. worries. That can be a lot, but I try to keep it as brief as possible. Is there any questions in relation to any of those at all? Not not really. It's it's it's it's it is. It's I'm I'm out of my depth here, but, yeah, you know, I remember a couple of years ago where we No. we we went into the Bennelong one, but, yeah, it's obviously as you're saying, it just hasn't hasn't provided. So No.","start_word":4695,"end_word":4807,"sentiment":"neutral","sentiment_score":0.020680276495693005},{"text":"No. Definitely not.","start_word":4808,"end_word":4810,"sentiment":"negative","sentiment_score":-0.36091190576553345},{"text":"It's it's had its day. Back when you sort of went yeah. Yeah. in that originally, that had really great years.","start_word":4811,"end_word":4831,"sentiment":"neutral","sentiment_score":0.014173440635204315},{"text":"Like, the ten plus years prior, it had seemed like a 30% compounding return. Like, it had done really, really well.","start_word":4832,"end_word":4852,"sentiment":"positive","sentiment_score":0.411302387714386},{"text":"Yeah. Well, But I remember. since I I COVID, can't I can't it remember hasn't. the follows. Yeah. I can't remember who I was talking to. It was a few years ago. Yeah. And they they said, yeah. I gotta get on the Ben Long one because, yeah, it's it's it's really, really strong done doing good returns. So it's a bit sad to say that, yeah, when I've when I've jumped into it, it's it's taking a nose dive. It has. Yeah. But no. Look. This this newer portfolio gives you greater diversification.","start_word":4853,"end_word":4946,"sentiment":"neutral","sentiment_score":-0.04650719463825226},{"text":"It's also cheaper. And what's one of the things I wanted to look at for you is being able to reduce some of the cost within the portfolio. So by lowering your investment fees as much as it's 290 odd dollars, it essentially means it's more money that stays in your super working harder for you as well. And one of the other benefits of this is that there's no CGT cost.","start_word":4947,"end_word":5018,"sentiment":"positive","sentiment_score":0.4880969226360321},{"text":"So one of the things we talked about was that when I go back and review portfolios, also look at the CDT aspect because your super fund, like you, does a tax return every year. It pays income tax. It pays capital gains tax as well. And so to do these changes, if you look at that fee comparison table, the differences column has zero in it. So there's no capital gains consequences for making these changes. Essentially, any gains that we're cementing from the other investments have all basically been offset by the Benelung main down and any other I think that India was the only other one that was kinda heavily down as well. So we've been able to offset any gains by the losses that have been substantiated within this portfolio.","start_word":5019,"end_word":5152,"sentiment":"neutral","sentiment_score":0.1478076285696519},{"text":"So it works out really well. We can, you know, utilize what has happened, build a better portfolio for it. It's got stronger past performance, which, you know, depending on markets and down the track, can provide you with a greater, better return. And it's also a bit cheaper there for you. So keeping more money invested, working harder for you at the end of the day.","start_word":5153,"end_word":5219,"sentiment":"positive","sentiment_score":0.6301718950271606},{"text":"And then we'll just make a slight change within your Australian Super account there as well with the amount that we hold back just to make sure that that is also working harder for you, if that makes sense. No worries. Yep. Yep. Yeah. Easy. Underneath that table, you've got the cash account there. So within your super, we only ever wanna hold about 1.25% cash. It does mean that we need to hold a little bit less than what you currently hold there at the moment, but we essentially take any excess cash and just reinvest that along with the portfolio. So you've just got that 1.25 cash sitting there for you. Okay? Yeah. No worries. No worries.","start_word":5220,"end_word":5338,"sentiment":"neutral","sentiment_score":0.13479559123516083},{"text":"Excellent.","start_word":5339,"end_word":5339,"sentiment":"positive","sentiment_score":0.3955232799053192},{"text":"Down further around page 26, this is just sort of running you through the retention of the Australian Super and as well as the towel policy. So we've kinda noted the Australian Super policy holds your life in TPD. It has the any occupation definition in TPD, which is really important to sort of hold for the time being as your TAL TPD is that ADL assisted or activities of daily living for the TPD definition, which is harder to essentially Yeah. Harder claim to meet. on. Yeah. Yep. Yeah. So we wanna make sure that you've got the best of both worlds that you are able to claim on the TBD if anything was to happen to you. So retaining Australian Super gives you that benefit and then still Yep. keeping the towel policy. So if you still weren't able to get back to work and if you met that definition that we could still look to claim on that down the track, I still wanna be able to meet and reassess the insurances. Depending on what your job is, I'll go out to the insurance and see, you know, what they're able to come to the party with. You just never know. They might be able to offer me a better definition. And if that's the case, we'll come back and reassess the insurances for you as well. So when you've gone through that probationary period and you're comfortable you wanna reassess that, let me know, and we'll make sure that we go through that and have a chat. Look at what you're after, and I'll go out the market and see what's available there for you. Okay? No worries. No worries. Easy. The only other parts in here are the retention of your military super. That, as I said, is a bit of a no brainer.","start_word":5340,"end_word":5648,"sentiment":"neutral","sentiment_score":0.07469271608058689},{"text":"That is a great pension that you're receiving there. It's extra money, and it was definitely good support for you whilst you were off work. And that is a lifetime pension, Oh, so it is definitely worth making sure you keep that.","start_word":5649,"end_word":5690,"sentiment":"positive","sentiment_score":0.5416752696037292},{"text":"I've actually got quite yep.","start_word":5691,"end_word":5695,"sentiment":"neutral","sentiment_score":0.3243626356124878},{"text":"a few clients with those sorts of pensions at the moment, and I'm just like, they're very handy to keep.","start_word":5696,"end_word":5715,"sentiment":"positive","sentiment_score":0.35191184282302856},{"text":"Mhmm. Oh, it's it's it's one of the it's the silver lining on the on the the It ending is. of my military military career. Like, as much as I as much as I I was looking forward Absolutely. to staying in the military, you know, even I ended though I it got properly. out, it's it's it's Yeah.","start_word":5716,"end_word":5774,"sentiment":"neutral","sentiment_score":0.05722500756382942},{"text":"given me it's given me so much so much freedom. Absolutely. It's it's Absolutely. it's been it's been absolute game changer for me.","start_word":5775,"end_word":5797,"sentiment":"positive","sentiment_score":0.526831865310669},{"text":"It's it's it's allowed Yeah. me to do to do things that normally I wouldn't have been able to do, like, Yeah. where I Of currently am now moving to moving just to on on a whim deciding let's move to Tasmania. course. Yeah. It's No. giving Absolutely. giving me Yeah. And, yep.","start_word":5798,"end_word":5850,"sentiment":"neutral","sentiment_score":0.1050750587205842},{"text":"look, you it's well deserved as well. You put the time in, you search your country, and your country deserves it.","start_word":5851,"end_word":5871,"sentiment":"positive","sentiment_score":0.5067468881607056},{"text":"They owe you so much Yeah. more. So bold as that. Yeah. I sort of disagree. I didn't really I didn't really do a great deal. I just, unfortunately, in That's the okay. in the wrong spot wrong spot at the wrong Yeah. time, and, unfortunately, Yeah.","start_word":5872,"end_word":5918,"sentiment":"neutral","sentiment_score":-0.14389359951019287},{"text":"my my my knees paid the price.","start_word":5919,"end_word":5925,"sentiment":"negative","sentiment_score":-0.5791012644767761},{"text":"Yeah. Yeah. No. I understand that.","start_word":5926,"end_word":5931,"sentiment":"neutral","sentiment_score":-0.015693355351686478},{"text":"That's all good.","start_word":5932,"end_word":5934,"sentiment":"positive","sentiment_score":0.34201449155807495},{"text":"So as part of this being a bit of a foundation advice piece, I have got that in there for you. All these strategies do have what's called a best interest duty, which basically has my reasoning on why I've made the recommendations there for you. They also relate them back to your goals, and then then we've also got the advantages, disadvantages, and the risks involved. So if you wanted to take some time after the call to when you've got a bit of a clear head, you wanna run through that, have a bit of a read of everything, let me know if there is any questions. And then if you are happy to take on the recommendations there, I'll get you to sign and return the documents back. The only Yeah. other part in there to kinda show you is just the beneficiary side of things, the estate planning, and that's on page number sort of 38 onwards. So just making sure that we do have your beneficiaries up to date, and I'll follow-up with the team. I believe the documents were sent to you, and I'll make sure we follow-up and get those Yeah. applied. I can't Haven't received I them can't yet? I don't believe so. Were they were they hard copies or They would have been. or I did want them to be emailed as well. But if they haven't been emailed as well, I'll get the admin team to follow-up no. I and haven't make sure that is yeah. done. I haven't Nothing I haven't yet? I haven't, yeah, I haven't seen them, unfortunately. That's okay. I'll follow-up to make sure that gets sorted for you because Yeah. we do wanna make sure Sure. those beneficiaries are in place. If anything was Yep.","start_word":5935,"end_word":6234,"sentiment":"neutral","sentiment_score":0.09809303944309553},{"text":"to happen to you, making sure that everything is streamlined to your family is very important at the end of the day there.","start_word":6235,"end_word":6257,"sentiment":"positive","sentiment_score":0.547785758972168},{"text":"Okay? Yep. Yep. The last thing I just wanted to sort of go through and show you is on page number 53 there. So this is the remuneration side of things. You obviously pay an ongoing service fee for us looking after your super and providing advice and assisting you down the track. But we also do receive remuneration from TOW. So we do receive a a percentage of the of the ongoing premium. Essentially, this year is expected to be $558. That is not paid by you in any way, shape, or form. It's paid directly by Cal to us. All advisers receive remuneration for riding insurances. It's just paid to the licensing, not to me directly, unfortunately. But it's about just making sure that we're disclosing everything, being open and honest with you. That has no reflection of the rate the reasoning for keeping the insurances.","start_word":6258,"end_word":6405,"sentiment":"neutral","sentiment_score":0.11568813025951384},{"text":"As I mentioned, everything I do is invest interest in working towards your goals. And when and if you need to review those covers, we will definitely do that.","start_word":6406,"end_word":6434,"sentiment":"positive","sentiment_score":0.3569852113723755},{"text":"And any new recommendations I make won't be about the remuneration.","start_word":6435,"end_word":6445,"sentiment":"neutral","sentiment_score":0.07441598922014236},{"text":"It's about achieving your goals for you. So I just like to be open and honest and clear and say, here it is. Here's the information just so you can see everything nice and clear there.","start_word":6446,"end_word":6481,"sentiment":"positive","sentiment_score":0.35215508937835693},{"text":"Okay? No worries. No worries.","start_word":6482,"end_word":6486,"sentiment":"neutral","sentiment_score":0.2011081725358963},{"text":"Easy.","start_word":6487,"end_word":6487,"sentiment":"positive","sentiment_score":0.383540391921997},{"text":"And that is essentially everything. If you decide to take on the recommendations, we do have how to implement down on page 56.","start_word":6488,"end_word":6510,"sentiment":"neutral","sentiment_score":0.29204320907592773},{"text":"It just basically notes that if you are happy to take on board the recommendations when you're comfortable, we get you to sign and return the document back.","start_word":6511,"end_word":6538,"sentiment":"positive","sentiment_score":0.34100133180618286},{"text":"We'll start by completing the investment switch within your Hub twenty four account. We'll help to do the investment switch within AustralianSuper. Normally, that is a form. Sometimes they ask you to email it to them. Sometimes they'll allow us to do it. We'll always try first. If they don't allow us to email it, we'll just get you to sign it and send it direct to AustralianSuper. Not a problem. Not We'll a problem. do the rollover for you, and then we'll also help you to make sure that the opt in is sorted there. Okay? Okay.","start_word":6539,"end_word":6636,"sentiment":"neutral","sentiment_score":0.09724902125949762},{"text":"Thank you very much. Easy. That's okay, Luke.","start_word":6637,"end_word":6644,"sentiment":"positive","sentiment_score":0.5020772814750671},{"text":"Do you have any questions for me? Anything that might have come to mind at all? No. No. No. Sort of. It's yeah. Like, it's well, No? I would I won't lie to you and say that I fully I fully understand what's going on, but it's Yep. it's a lot a lot a lot of numbers and Yeah. a world that I'm and a financial world that I'm just I don't have Yeah. any I don't have any interest in what goes That's on, but okay. I I yeah. Sort of yeah. I can I can see that what you did, you know, trying to move move things into a better performing Yep. space, you know, I'm I'm Yep. happy happy for you happy for you to do that? If I can get Beautiful. a little bit more out of my super in in That the next doesn't twenty mean. years, I'll be very happy.","start_word":6645,"end_word":6800,"sentiment":"neutral","sentiment_score":-0.030380448326468468},{"text":"Fantastic.","start_word":6801,"end_word":6801,"sentiment":"positive","sentiment_score":0.44446319341659546},{"text":"Well, I'll make sure to look after you. I do wanna do a catch up with you in about six months. Are you comfortable with that? Yep. Did you wanna cuff That's a catch sure. up prior to that at all? Six months No. is good? Six six six months is fine. Six months is fine. Yep.","start_word":6802,"end_word":6858,"sentiment":"neutral","sentiment_score":0.06455418467521667},{"text":"Beautiful. Fantastic.","start_word":6859,"end_word":6860,"sentiment":"positive","sentiment_score":0.4897050857543946},{"text":"Well, I'll let you go so you can read the document over. If you do find you have any questions, please let me know. I know it can be a lot to go through, and there's a lot of numbers and things in there. If there is any questions, in my world, there is no such thing as a silly question. If it's something that you wanna know, this is your super.","start_word":6861,"end_word":6932,"sentiment":"neutral","sentiment_score":0.06498922366234991},{"text":"This is the money that you've worked so hard for, and this is your retirement. So I take it very it's very important to me to look after it, and I take it very seriously, and I wanna make sure that we do look after it for you.","start_word":6933,"end_word":6980,"sentiment":"positive","sentiment_score":0.34937477111816406},{"text":"So if there's anything you Yep. ever wanna know, you let me know, and I will make sure I answer it. No worries.","start_word":6981,"end_word":7003,"sentiment":"neutral","sentiment_score":0.12723344564437866},{"text":"Thank you very much, Dana. Okay? Easy. Cheers. Thank you, Luke. You have a lovely evening. I hope you have You a great relaxing weekend.","start_word":7004,"end_word":7028,"sentiment":"positive","sentiment_score":0.7113162279129028},{"text":"so do I. So do I. I will.","start_word":7029,"end_word":7036,"sentiment":"neutral","sentiment_score":0.18449337780475616},{"text":"Anyway, you you have a good one Talk.","start_word":7037,"end_word":7044,"sentiment":"positive","sentiment_score":0.38852545619010925},{"text":"as well. I'll talk to you Will talk to do. you later on.","start_word":7045,"end_word":7057,"sentiment":"neutral","sentiment_score":0.11658361554145812},{"text":"Thank you so Cheers. much. See you later.","start_word":7058,"end_word":7065,"sentiment":"positive","sentiment_score":0.5355846881866455},{"text":"Alright. Bye. Bye.","start_word":7066,"end_word":7068,"sentiment":"neutral","sentiment_score":0.18462727963924408}],"average":{"sentiment":"neutral","sentiment_score":0.15064552835147507}}}}