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Is now still a good time there for you? Yeah. Fantastic. Do you have access to your email, sir, at the moment as well? Yeah. Fantastic. I'm just gonna email this document through to you there just so you can run through it with me. Hopefully, the Internet works in our favor and it comes through fairly quickly. Yeah. Legend. All good. There we go. I've just pressed send on that one. How's your day been so far? Oh, wow. Hope you had a good rest for the day. Oh, that's really good. That's excellent. Just while that is coming through to you, John, there, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah. Yep. Fantastic. And just do a quick security check there as well just to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Perfect. Yeah. You're right. You did well. Legend. Thank you so much. And how's the weather over there at the moment? Is it still cold? Yeah. Wow. Oh, yeah. Wow. Well, hopefully, the I know in summer, it kinda gets really hot over there. You end up with really cold winters and really hot summers. So, hopefully, the the sun stays out for you. It's been a bit yeah. Wow. The north, Fantastic. Excellent. So when you open that one up there, you should see a button that says sign here. If you click that and move on through, it'll take you over to the advice document. I will never ask you to sign anything you haven't read, so we'll go through it before I ask you to sign anything. Okay. Fantastic. Beautiful. So on the front page, it has statement of advice prepared for yourself as of the 08/11/2026. All of our advice documents are valid for sixty days from the date on the document there, so you do have time to review it prior to taking you onboard any advice provided. And on the bottom of the front page has my authorized representative numbers. The advice has been provide provided by myself and my lovely team here. And as a registered adviser with ASIC, my number is 1304394. Okay? If you scroll through the other pages there, we've got the best interest, Judy. So just letting you know that any advice we do provide is to be provided to meet your goals and and the best interest that is all part of the corporations act. On page number three onwards, we have the areas of where we're scoping. So we're looking at areas of superannuation. Your goal when we spoke was to try and retire a little bit earlier than '67 if possible. You wanted to draw about a thousand dollars a week in retirement there, and you were comfortable to start looking at maybe making salary sacrifice contributions to sort of build super a little bit faster for you as well. Does that still sound appropriate to your goals? Do you think anything might have changed there currently? Yep. Beautiful. We've also sort of factored in the estate planning side of things, so we wanted to make sure our beneficiary nomination, sorry, is placed on file, making sure that as per your goal, your super is directed a 100% to your spouse in the event that something happens to you. And it is really important that you do review a will and power of attorney and speak to a a qualified solicitor to have those documents prepared and drawn up to protect anything else that you've worked so hard for down the track. So we do scope in the estate planning side to make sure everything is correctly noted there for you as well. Areas on the next page, page number five, what we are scoping out, so not looking at debt currently. You are hoping to pay off the loan before retirement day. You may have meant you were happy just tipping away at that at the moment. If down the track you did wanna look at additional advice, let me know. But for the moment, we've scoped that out just focusing on the superannuation side of things currently. The insurances are scoped out as well. So one of the things that we spoke about in your annual review was you may have mentioned you thought you had some insurances with Macquarie. After the call, you came back, maybe mentioned that you spoke to your wife and checked. You no longer have those insurances. So it does mean at the moment you don't have any life, TPD, income protection, or trauma cover. I've scoped that out for the time being. Do you feel that you're okay not having those sorts of insurance? Did you wanna sort of come back and reassess the levels of cover and incorporate that to the advice, or are you sort of happy just focusing on super at the moment? What's your thoughts there? Yep. Absolutely. That's okay. If you are sort of thinking about things and you wanna come back and review, you know, a level of cover that you need or talk about more about those insurances, please let me know. I can definitely help you and make sure you are covered as well. Okay? Excellent. And then other personal investments as well. So you do have your SMG shares there. You are happy just keeping those until retirement. So we've scoped the personal investment side out of the advice as well. We can assist you in that area down the track when and if you wanna look at selling or removing those. Okay? Excellent. To make things a little bit easier for you, if you sort of scroll down for me so sorry. To page number 17, I'll take you through the advice, and then you're welcome to definitely go back and read all the other pages ahead just to make things easier on you. Beautiful. So with your super, I essentially went back and reviewed the superannuation as well as the investments within the super there and had a bit of a look at your portfolio. We had noted that some of the investments within the portfolio have been underperforming a little bit. So we wanted to kinda rejig things. Essentially, portfolios that were built a couple of years ago were built because they were working back then, but every so often, it is important to shake things up a little bit, over the portfolio and sort of make sure things are working as hard as possible for you as markets and trends change within the market environment there. So this is essentially showing you what I wanna change with your sofa. Essentially, the newer portfolio means that we are looking to retain physical gold. I do wanna increase your exposure to about 10% there. You're sitting at about 5.40% there at the moment, so we'd be buying a little bit more gold. This portfolio is selling off the silver. Silver has had a bit of a downtime this year. It has been underperforming a little bit, so I do wanna look at removing that out for the time being. And then you've also got your Banna Long concentrated equities fund there. Banna Long has been underperforming in everyone's portfolio. We are removing that wholly and replacing the Australian equities portion, so that would be sold completely out for you. The Vanguard diversified index fund, you currently hold 9%. We are removing that as we've kind of worked out a way to hold defensive assets for you, but also keep the portfolio low cost. So this new portfolio removes that investment solely. The cybersecurity portion, at the moment, this year has been a bit up and down there. We wanna hold about 5% in the sort of portfolio you're in, and you currently have about 6% there at the moment. So we just wanna sell some of that off, and reinvest the funds elsewhere. So it's just rebalancing the cybersecurity portion of your portfolio back to 5%. Battery and lithium tech has had some great years there. This year, again, hasn't done too badly, but the portfolio that we're moving into provides greater diversification, so we are looking to remove that completely from the portfolio. And then the the Morningstar Global Tech as well. Tech has been a bit up and down this year, so this portfolio is to remove that and invest in tech in other ways to make it ease cheaper for you, but also look at a better performing portfolio. So I'm gonna sell all of that off out of your portfolio. We're going to buy into Europe. This investment, the iShares Europe, is giving you access and exposure to all 16 European countries there. We wanna hold about 8% of the portfolio, so we're gonna buy some more of that investment. You've only got about 5% there currently. We've also got the S and P 500. You currently hold 24.50%. We wanna hold about 30%. The US market has been a bit up and down, but this investment is still really good to hold. When you think about markets, The US does have a lot of volatility and go up and down, but you do get a lot of growth out of The US market. So holding access to the S and P 500 is still a good place to be invested. So we're gonna buy some more of that investment. Okay? We've got the Asia iShares Asia investment. You currently hold 4% there at the moment because we do hold, You currently hold 4% there at the moment because we do hold the iShares in Europe, and we are increasing the exposure there. We're just selling off the Asia exposure. We can kind of keep that in in amongst the other areas. You've also got the Vanguard Australian fixed interest investment hold about 6% there. We found a a a more low cost way to sort of incorporate defensive investments into your portfolio, so we're gonna sell all of that fixed interest investment down. We're gonna buy into the Japanese market. There has been quite a lot happening and trending, especially with what's been happening with China. So high global tensions there, essentially. So Japan is definitely a place of growth. So we wanna hold about 5% of Japanese market. And then we've got the Vanguard or World x US investment. So one of the biggest things one of the things we wanna be able to do is diversify your portfolio, not only across different industries and asset classes, but across different countries. And this is giving you access to the or exposure to the entire globe minus The US, and that's because we have the S and P 500 noted above within your portfolio there. So the Vanguard or World ex US investment, we wanna hold 8% off and giving you global exposure, which also helps to reduce your risk level within the portfolio there as well. Okay? And then we've got the BetaShares Australia 200. So because we are removing the Bennelong Australian equities investment, that investment generally held between 15 to 25 different investments depending on what the investment manager within Bennelong was looking to hold. By selling that underperforming investment, we still wanna hold some Australian equities. So we're buying the beta a 200. This is giving you exposures to the top 200 companies on the ASX. So it's actually giving you more diversification, helping to lower your overall risk with your portfolio. It is also essentially a cheaper investment. So Bannalong was more of an actively managed fund, whereas this is more of a passively managed fund. When you think about investments over the longer term, while active managers can outperform the market, they don't always do that and often have years where they absolutely underperform, whereas being invested in a passive portfolio tends to outperform the market as a or outperform active managers as a whole and tends to provide a greater level of return when you remain invested through the ups and downs without trying to time and pick the market there. So having exposure to the Australian market in the a 200 is giving you a passive investment. Sorry. It's also giving you greater diversification, and it's also a cheaper investment. So it's helping to lower the cost of your portfolio as well. Does that make sense? Do you have any questions so far? Excellent. And then the last one on the next page is the core composite bonds. So at the moment, you're in that growth environment. So you generally have 80% invested in those growth assets, and we still wanna have 20% in low risk defensive investments. So keeping core composite bonds is giving you access and exposure to both government and corporate bonds. Bonds are really good as a defensive investment. They pay income, which is paid into your cash account and then reinvested back into your portfolio for compounding as well. So this is helping to lower the overall risk of your portfolio, provide greater diversification, but also a lower cost option to your portfolio. And these investments have shown over the past five years. They've had a greater level of of returns and which can, you know, in the future, provide a greater level of future performance depending on market conditions there. So these are the changes that I'm making to your portfolio. Obviously, anything in the red is what we're gonna be selling down. Anything in the green is what we're gonna be purchasing. And then the very last target column essentially shows you at the end of those changes what you should end up with and how much you should have invested in each of those investments, if that makes sense. Beautiful. On the next page there, you'll also see your cash account. At the moment, you've got a bit over 2% cash there. We only wanna hold about 1.25% cash, so we wanna buy about $3,716 into investments. So we're gonna take a bit of cash and reinvest that for you as well. Okay? Beautiful. If you scroll down to page number 20, I can actually show you the main reason for me making these recommendations for you. Beautiful. So this is your fee comparison table. Essentially, the first column shows your current balance within hub twenty four. So I did look at all the other super funds as well as hub twenty four and noted that, realistically, this was the best option to stay and remain within hub twenty four. Then I had a look by by, say, if we were to sell all of your portfolio down and move you to another platform, we would have triggered CGT inside super as a bit of a $5,533 there. So by retaining HUB 24 and just making the changes to your portfolio, we can limit the CGT costs for you. And if you have a look at the differences column there, the balance between the current portfolio and the recommended, there's no difference there. So these changes that I recommend that we make above actually don't have any tax consequences for your super. There's no CDT for that unlike sort of a bit like yourself. Your super fund does a tax return every year, so they do pay income tax and CDT tax when investments are purchased and sold in the back end. So I was able to go back and have a look at trying to move your portfolio around, rebalance things, and make changes to your portfolio, but make it so your super fund has no tax consequences within the funds. So it has less of an effect on your super balance. Does that make sense? Yeah. That's okay. All good. Within the current scenario and the recommended column there, you'll see there's no change to the administration fees. That is because we are keeping hub 24. There's been no real differences. There's no real need to change the investment platform that your super is in at the moment. It's just about making sure that your portfolio is working harder for you. I always sort of say to people, you know, super fund that you're in is essentially the vehicle. It's a bit like your car. What really makes your car run is the fuel, and that's essentially the investments and the contributions that are made to the funds. So keeping how 24 is still suited. The investment fee, you'll see a bit of a difference there. So by moving into the newer portfolio, we're actually saving you for the first year $1,952 in investment fees. So this portfolio was actually a lot cheaper than your current portfolio, which is really good. That's more money sitting in your super working harder for you at the end of the day there as well. Yeah. There's also the ongoing service fee. So we do charge an ongoing service fee for our services. It's 1.65% there. That obviously does factor in growth, so we do see that grow by a little over $200 per year. Our ongoing service fee moving forward will change as well. So as you as your balance increases, we're gonna have a tier structure. Right now, we're keeping you on the same fee that you're on at the moment. But as of next year, it will sort of change where when you get to a balance of 200,000, which yours is over, the tiered structure will come into place. So as your balance hits a different tier, the fee will actually decrease. Does that make sense? Yeah. That will come into play next year. This is your ongoing service fee is at the same as it has always been for this year just because we've obviously, you know, already put that into place there for you, but I'll go through that in a lot more detail down the track. But part of the ongoing service fee is just making sure that we're providing advice and updating advice to make sure you stay on track towards meeting your goals. All of that ongoing advice documents are included in the ongoing service fee as well, so we don't charge implementation fees for additional advice around Super as well. Okay? It's all incorporated into our services there. The other thing is the contribution. So I have had a look. I'm making a recommendation that you do increase your contributions and start salary sacrificing about $50 per week in the super. By starting that now, you can increase your super and have a much greater effect. Essentially, starting that now means that you're putting more higher amounts or more money into super on a regular basis for the compounding effect, which over the course of time towards your retirement goals, and '60, '65, or '67 can definitely put you into a greater place there. So I did make a recommendation that you do start salary sacrificing $50 per week. We'll start small. And then as your comfort level changes, as you sort of have a bit more money or expendable income or maybe comfortable increasing that down the track, then we can always review and increase that salary sacrifice recommendation further forward. Does that make sense? Yep. Beautiful. The other really important thing is the in the investment portfolio and essentially the returns. So when I looked at your current portfolio and how that has averaged over the past five years, it's averaged about 6.31%. So keeping you in that growth environment, the newer portfolio has averaged 11.39% over the past five years. So this newer portfolio is cheaper, not causing any capital gains consequences for your super fund and has shown a greater level of performance. And then that coupled with increasing and adding some salary sacrifice in there, if you look down at the projection table below, you can actually see it should put you in a much greater position. So this is a projection based on all the factors above, noting that if the market can perform and if the portfolio can obtain what it has over the past five years with all the other factors included over the next five to ten years, you can sort of see where you should be based on the recommended changes. Does that make sense? Yeah. It'd be great to see in about five years for you to have anywhere over 6 to 700,000 in steeper, and over the next ten years to end up with a little bit more there. So I'd love to see how things grow, and, obviously, I'll keep reviewing things with you on a regular basis to make sure they are working harder. I do like to make sure we're aware projection tables are just projections, so markets could definitely have an effect. And there's no guarantee that you're gonna get 11.39%. We know some years, it might be 20%. Some years, it might be a negative percent. We might get 2%, and we might get a 7% there as well. So it's just about looking at past data and projecting where you could be. But this newer portfolio taking into all accounts can put you in a much greater position moving forward, which is what I wanted see. Okay? Beautiful. Do you have any questions? I'm so sorry. I'm like this crazy super lady who just loves talking about random stuff. Is there anything that you you wanted to sort of ask me at all, John, there at all? No. Fantastic. Excellent. The next couple of pages down, just sort of note that we are recommending the salary sacrifice option starting with $50 a week. When we spoke last time, it was more in your comfort level. So starting smaller and building that compounding effect over time, starting now is gonna have a much greater effect on your super rather than starting in five or ten years down the track. So, I'd like to start that now for you and keep reviewing that as time goes on. The other advantage of starting smaller is that life is expensive. There's no you know, cost of groceries is phenomenal just on its own these days. So starting with something smaller, because it does have an effect on your take home pay, can essentially mean you can get used to the difference in your income, and then we can build on that salary sacrifice down the track for you if that makes sense. Okay? Excellent. The advantages of salary sacrifice are, obviously, that you are putting more money into super, and it does have an effect on your taxes. Salary sacrifice is a pretax deduction from your income, so it does help to reduce your tax paid on your income as well. We'll see at $50. It would be very minimum to start with. But, I mean, look, any tax saving, you pay way too much tax. We all do. So any tax saving you can make on your income is only a benefit to you at the end of the day. Excellent. And then the last part there is just making sure your beneficiary nominations are set up. This is on page number 25 there for you. So I'll get my team to make sure the beneficiary nominations are sent out, that we do pre fill the form for you, making sure that a 100% of your benefit is paid to Kylie in the event that something occurs. I've got her noted as your spouse, and we look to doing a binding non lapsing nomination so that we put that in place now, and then you and I review that moving forward and make changes if and when they ever needed to down the track. Okay? Beautiful. That is essentially the base of the recommendations. The only other last part is just making sure you do speak to a solicitor to have your will and power of attorney drawn up. My team can always send you some additional information if you would like to, but it is definitely important your super beneficiaries look after your super. But then everything else that you've got, your home, your contents, your cars, your savings accounts, everything else that you've worked just as hard for should also be protected. And that is all done as part of your estate planning through setting up a will and a power of attorney to make sure that if anything happens to you, that you have someone that you've nominated to make decisions on your behalf and that that person knows how you would like them to act on your behalf in the event that something occurs to you. Okay. Beautiful. Essentially, if you decide to take on the recommendations, the way this will work is we'll start by making the super switch first. We'll switch the investments. You'll probably get a notification or two to let you know that we're making those changes in the back end, and then my team can provide the salary sacrifice letter to you for you to hand to your employer to have that change made when you're ready to do so. We'll review that on a regular basis. My team will pre fill beneficiaries and have those sent out, and then we can always refer you to our solicitor if you require those require that down the track to your estate planning side of things as well. Okay? Excellent. Like, that is essentially all the recommendations there. I try to make it as easy as possible. You do have a chance to go back and have a read to the document prior. I do have all the recommendations outlined on each of the pages there with the advantages, disadvantages, risks involved, and any alternatives that I've considered as part of the research there for you as well. And depending on how much you enjoy reading, I've also got the product disclosure statements attached to the email for you as well for hub twenty four and our financial services guide, which has been updated as well. Okay? Beautiful. If you're happy once you're read through, if you're happy to take the recommendations, we'll just ask that you sign and return the document back. If there is any part of the recommendations that you choose not to take on board, on the last page, we do have a box. It's called multiline, I'm pretty sure. And, essentially, you just make a note in there if there's a section of the advice that you're choosing not to take on board, essentially. Okay. Easy. Do you have any questions? Does anything kinda come up flagged that you wanted to ask me or break down any further for you? No. That's okay. Thank you so much. Well, I will let you go. I really appreciate your time this afternoon. I thank you for allowing me to put this research together for you. Really enjoyed putting this together. I'll let you go back and have some time to read it through. And if once you're happy, if you wanna the recommendations on, I'll get you to sign and return that back for us. Okay? My pleasure, John. You have a lovely evening. Thanks so much. I'll talk to you soon. See you later. 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John. This is Dana from Okie Financial. How are you this afternoon? That's good. No.\n\nYou're right. All good. I had you booked in just to run through your updated statement of advice. Is now still a good time there for you? Yeah.\n\nFantastic. Do you have access to your email, sir, at the moment as well? Yeah. Fantastic. I'm just gonna email this document through to you there just so you can run through it with me.\n\nHopefully, the Internet works in our favor and it comes through fairly quickly. Yeah. Legend. All good. There we go.\n\nI've just pressed send on that one. How's your day been so far? Oh, wow. Hope you had a good rest for the day. Oh, that's really good.\n\nThat's excellent. Just while that is coming through to you, John, there, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah. Yep.\n\nFantastic. And just do a quick security check there as well just to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Perfect.\n\nYeah. You're right. You did well. Legend. Thank you so much.\n\nAnd how's the weather over there at the moment? Is it still cold? Yeah. Wow. Oh, yeah.\n\nWow. Well, hopefully, the I know in summer, it kinda gets really hot over there. You end up with really cold winters and really hot summers. So, hopefully, the the sun stays out for you. It's been a bit yeah.\n\nWow. The north, Fantastic. Excellent. So when you open that one up there, you should see a button that says sign here. If you click that and move on through, it'll take you over to the advice document.\n\nI will never ask you to sign anything you haven't read, so we'll go through it before I ask you to sign anything. Okay. Fantastic. Beautiful. So on the front page, it has statement of advice prepared for yourself as of the 08/11/2026.\n\nAll of our advice documents are valid for sixty days from the date on the document there, so you do have time to review it prior to taking you onboard any advice provided. And on the bottom of the front page has my authorized representative numbers. The advice has been provide provided by myself and my lovely team here. And as a registered adviser with ASIC, my number is 1304394. Okay?\n\nIf you scroll through the other pages there, we've got the best interest, Judy. So just letting you know that any advice we do provide is to be provided to meet your goals and and the best interest that is all part of the corporations act. On page number three onwards, we have the areas of where we're scoping. So we're looking at areas of superannuation. Your goal when we spoke was to try and retire a little bit earlier than '67 if possible.\n\nYou wanted to draw about a thousand dollars a week in retirement there, and you were comfortable to start looking at maybe making salary sacrifice contributions to sort of build super a little bit faster for you as well. Does that still sound appropriate to your goals? Do you think anything might have changed there currently? Yep. Beautiful.\n\nWe've also sort of factored in the estate planning side of things, so we wanted to make sure our beneficiary nomination, sorry, is placed on file, making sure that as per your goal, your super is directed a 100% to your spouse in the event that something happens to you. And it is really important that you do review a will and power of attorney and speak to a a qualified solicitor to have those documents prepared and drawn up to protect anything else that you've worked so hard for down the track. So we do scope in the estate planning side to make sure everything is correctly noted there for you as well. Areas on the next page, page number five, what we are scoping out, so not looking at debt currently. You are hoping to pay off the loan before retirement day.\n\nYou may have meant you were happy just tipping away at that at the moment. If down the track you did wanna look at additional advice, let me know. But for the moment, we've scoped that out just focusing on the superannuation side of things currently. The insurances are scoped out as well. So one of the things that we spoke about in your annual review was you may have mentioned you thought you had some insurances with Macquarie.\n\nAfter the call, you came back, maybe mentioned that you spoke to your wife and checked. You no longer have those insurances. So it does mean at the moment you don't have any life, TPD, income protection, or trauma cover. I've scoped that out for the time being. Do you feel that you're okay not having those sorts of insurance?\n\nDid you wanna sort of come back and reassess the levels of cover and incorporate that to the advice, or are you sort of happy just focusing on super at the moment? What's your thoughts there? Yep. Absolutely. That's okay.\n\nIf you are sort of thinking about things and you wanna come back and review, you know, a level of cover that you need or talk about more about those insurances, please let me know. I can definitely help you and make sure you are covered as well. Okay? Excellent. And then other personal investments as well.\n\nSo you do have your SMG shares there. You are happy just keeping those until retirement. So we've scoped the personal investment side out of the advice as well. We can assist you in that area down the track when and if you wanna look at selling or removing those. Okay?\n\nExcellent. To make things a little bit easier for you, if you sort of scroll down for me so sorry. To page number 17, I'll take you through the advice, and then you're welcome to definitely go back and read all the other pages ahead just to make things easier on you. Beautiful. So with your super, I essentially went back and reviewed the superannuation as well as the investments within the super there and had a bit of a look at your portfolio.\n\nWe had noted that some of the investments within the portfolio have been underperforming a little bit. So we wanted to kinda rejig things. Essentially, portfolios that were built a couple of years ago were built because they were working back then, but every so often, it is important to shake things up a little bit, over the portfolio and sort of make sure things are working as hard as possible for you as markets and trends change within the market environment there. So this is essentially showing you what I wanna change with your sofa. Essentially, the newer portfolio means that we are looking to retain physical gold.\n\nI do wanna increase your exposure to about 10% there. You're sitting at about 5.40% there at the moment, so we'd be buying a little bit more gold. This portfolio is selling off the silver. Silver has had a bit of a downtime this year. It has been underperforming a little bit, so I do wanna look at removing that out for the time being.\n\nAnd then you've also got your Banna Long concentrated equities fund there. Banna Long has been underperforming in everyone's portfolio. We are removing that wholly and replacing the Australian equities portion, so that would be sold completely out for you. The Vanguard diversified index fund, you currently hold 9%. We are removing that as we've kind of worked out a way to hold defensive assets for you, but also keep the portfolio low cost.\n\nSo this new portfolio removes that investment solely. The cybersecurity portion, at the moment, this year has been a bit up and down there. We wanna hold about 5% in the sort of portfolio you're in, and you currently have about 6% there at the moment. So we just wanna sell some of that off, and reinvest the funds elsewhere. So it's just rebalancing the cybersecurity portion of your portfolio back to 5%.\n\nBattery and lithium tech has had some great years there. This year, again, hasn't done too badly, but the portfolio that we're moving into provides greater diversification, so we are looking to remove that completely from the portfolio. And then the the Morningstar Global Tech as well. Tech has been a bit up and down this year, so this portfolio is to remove that and invest in tech in other ways to make it ease cheaper for you, but also look at a better performing portfolio. So I'm gonna sell all of that off out of your portfolio.\n\nWe're going to buy into Europe. This investment, the iShares Europe, is giving you access and exposure to all 16 European countries there. We wanna hold about 8% of the portfolio, so we're gonna buy some more of that investment. You've only got about 5% there currently. We've also got the S and P 500.\n\nYou currently hold 24.50%. We wanna hold about 30%. The US market has been a bit up and down, but this investment is still really good to hold. When you think about markets, The US does have a lot of volatility and go up and down, but you do get a lot of growth out of The US market. So holding access to the S and P 500 is still a good place to be invested.\n\nSo we're gonna buy some more of that investment. Okay? We've got the Asia iShares Asia investment. You currently hold 4% there at the moment because we do hold, You currently hold 4% there at the moment because we do hold the iShares in Europe, and we are increasing the exposure there. We're just selling off the Asia exposure.\n\nWe can kind of keep that in in amongst the other areas. You've also got the Vanguard Australian fixed interest investment hold about 6% there. We found a a a more low cost way to sort of incorporate defensive investments into your portfolio, so we're gonna sell all of that fixed interest investment down. We're gonna buy into the Japanese market. There has been quite a lot happening and trending, especially with what's been happening with China.\n\nSo high global tensions there, essentially. So Japan is definitely a place of growth. So we wanna hold about 5% of Japanese market. And then we've got the Vanguard or World x US investment. So one of the biggest things one of the things we wanna be able to do is diversify your portfolio, not only across different industries and asset classes, but across different countries.\n\nAnd this is giving you access to the or exposure to the entire globe minus The US, and that's because we have the S and P 500 noted above within your portfolio there. So the Vanguard or World ex US investment, we wanna hold 8% off and giving you global exposure, which also helps to reduce your risk level within the portfolio there as well. Okay? And then we've got the BetaShares Australia 200. So because we are removing the Bennelong Australian equities investment, that investment generally held between 15 to 25 different investments depending on what the investment manager within Bennelong was looking to hold.\n\nBy selling that underperforming investment, we still wanna hold some Australian equities. So we're buying the beta a 200. This is giving you exposures to the top 200 companies on the ASX. So it's actually giving you more diversification, helping to lower your overall risk with your portfolio. It is also essentially a cheaper investment.\n\nSo Bannalong was more of an actively managed fund, whereas this is more of a passively managed fund. When you think about investments over the longer term, while active managers can outperform the market, they don't always do that and often have years where they absolutely underperform, whereas being invested in a passive portfolio tends to outperform the market as a or outperform active managers as a whole and tends to provide a greater level of return when you remain invested through the ups and downs without trying to time and pick the market there. So having exposure to the Australian market in the a 200 is giving you a passive investment. Sorry. It's also giving you greater diversification, and it's also a cheaper investment.\n\nSo it's helping to lower the cost of your portfolio as well. Does that make sense? Do you have any questions so far? Excellent. And then the last one on the next page is the core composite bonds.\n\nSo at the moment, you're in that growth environment. So you generally have 80% invested in those growth assets, and we still wanna have 20% in low risk defensive investments. So keeping core composite bonds is giving you access and exposure to both government and corporate bonds. Bonds are really good as a defensive investment. They pay income, which is paid into your cash account and then reinvested back into your portfolio for compounding as well.\n\nSo this is helping to lower the overall risk of your portfolio, provide greater diversification, but also a lower cost option to your portfolio. And these investments have shown over the past five years. They've had a greater level of of returns and which can, you know, in the future, provide a greater level of future performance depending on market conditions there. So these are the changes that I'm making to your portfolio. Obviously, anything in the red is what we're gonna be selling down.\n\nAnything in the green is what we're gonna be purchasing. And then the very last target column essentially shows you at the end of those changes what you should end up with and how much you should have invested in each of those investments, if that makes sense. Beautiful. On the next page there, you'll also see your cash account. At the moment, you've got a bit over 2% cash there.\n\nWe only wanna hold about 1.25% cash, so we wanna buy about $3,716 into investments. So we're gonna take a bit of cash and reinvest that for you as well. Okay? Beautiful. If you scroll down to page number 20, I can actually show you the main reason for me making these recommendations for you.\n\nBeautiful. So this is your fee comparison table. Essentially, the first column shows your current balance within hub twenty four. So I did look at all the other super funds as well as hub twenty four and noted that, realistically, this was the best option to stay and remain within hub twenty four. Then I had a look by by, say, if we were to sell all of your portfolio down and move you to another platform, we would have triggered CGT inside super as a bit of a $5,533 there.\n\nSo by retaining HUB 24 and just making the changes to your portfolio, we can limit the CGT costs for you. And if you have a look at the differences column there, the balance between the current portfolio and the recommended, there's no difference there. So these changes that I recommend that we make above actually don't have any tax consequences for your super. There's no CDT for that unlike sort of a bit like yourself. Your super fund does a tax return every year, so they do pay income tax and CDT tax when investments are purchased and sold in the back end.\n\nSo I was able to go back and have a look at trying to move your portfolio around, rebalance things, and make changes to your portfolio, but make it so your super fund has no tax consequences within the funds. So it has less of an effect on your super balance. Does that make sense? Yeah. That's okay.\n\nAll good. Within the current scenario and the recommended column there, you'll see there's no change to the administration fees. That is because we are keeping hub 24. There's been no real differences. There's no real need to change the investment platform that your super is in at the moment.\n\nIt's just about making sure that your portfolio is working harder for you. I always sort of say to people, you know, super fund that you're in is essentially the vehicle. It's a bit like your car. What really makes your car run is the fuel, and that's essentially the investments and the contributions that are made to the funds. So keeping how 24 is still suited.\n\nThe investment fee, you'll see a bit of a difference there. So by moving into the newer portfolio, we're actually saving you for the first year $1,952 in investment fees. So this portfolio was actually a lot cheaper than your current portfolio, which is really good. That's more money sitting in your super working harder for you at the end of the day there as well. Yeah.\n\nThere's also the ongoing service fee. So we do charge an ongoing service fee for our services. It's 1.65% there. That obviously does factor in growth, so we do see that grow by a little over $200 per year. Our ongoing service fee moving forward will change as well.\n\nSo as you as your balance increases, we're gonna have a tier structure. Right now, we're keeping you on the same fee that you're on at the moment. But as of next year, it will sort of change where when you get to a balance of 200,000, which yours is over, the tiered structure will come into place. So as your balance hits a different tier, the fee will actually decrease. Does that make sense?\n\nYeah. That will come into play next year. This is your ongoing service fee is at the same as it has always been for this year just because we've obviously, you know, already put that into place there for you, but I'll go through that in a lot more detail down the track. But part of the ongoing service fee is just making sure that we're providing advice and updating advice to make sure you stay on track towards meeting your goals. All of that ongoing advice documents are included in the ongoing service fee as well, so we don't charge implementation fees for additional advice around Super as well.\n\nOkay? It's all incorporated into our services there. The other thing is the contribution. So I have had a look. I'm making a recommendation that you do increase your contributions and start salary sacrificing about $50 per week in the super.\n\nBy starting that now, you can increase your super and have a much greater effect. Essentially, starting that now means that you're putting more higher amounts or more money into super on a regular basis for the compounding effect, which over the course of time towards your retirement goals, and '60, '65, or '67 can definitely put you into a greater place there. So I did make a recommendation that you do start salary sacrificing $50 per week. We'll start small. And then as your comfort level changes, as you sort of have a bit more money or expendable income or maybe comfortable increasing that down the track, then we can always review and increase that salary sacrifice recommendation further forward.\n\nDoes that make sense? Yep. Beautiful. The other really important thing is the in the investment portfolio and essentially the returns. So when I looked at your current portfolio and how that has averaged over the past five years, it's averaged about 6.31%.\n\nSo keeping you in that growth environment, the newer portfolio has averaged 11.39% over the past five years. So this newer portfolio is cheaper, not causing any capital gains consequences for your super fund and has shown a greater level of performance. And then that coupled with increasing and adding some salary sacrifice in there, if you look down at the projection table below, you can actually see it should put you in a much greater position. So this is a projection based on all the factors above, noting that if the market can perform and if the portfolio can obtain what it has over the past five years with all the other factors included over the next five to ten years, you can sort of see where you should be based on the recommended changes. Does that make sense?\n\nYeah. It'd be great to see in about five years for you to have anywhere over 6 to 700,000 in steeper, and over the next ten years to end up with a little bit more there. So I'd love to see how things grow, and, obviously, I'll keep reviewing things with you on a regular basis to make sure they are working harder. I do like to make sure we're aware projection tables are just projections, so markets could definitely have an effect. And there's no guarantee that you're gonna get 11.39%.\n\nWe know some years, it might be 20%. Some years, it might be a negative percent. We might get 2%, and we might get a 7% there as well. So it's just about looking at past data and projecting where you could be. But this newer portfolio taking into all accounts can put you in a much greater position moving forward, which is what I wanted see.\n\nOkay? Beautiful. Do you have any questions? I'm so sorry. I'm like this crazy super lady who just loves talking about random stuff.\n\nIs there anything that you you wanted to sort of ask me at all, John, there at all? No. Fantastic. Excellent. The next couple of pages down, just sort of note that we are recommending the salary sacrifice option starting with $50 a week.\n\nWhen we spoke last time, it was more in your comfort level. So starting smaller and building that compounding effect over time, starting now is gonna have a much greater effect on your super rather than starting in five or ten years down the track. So, I'd like to start that now for you and keep reviewing that as time goes on. The other advantage of starting smaller is that life is expensive. There's no you know, cost of groceries is phenomenal just on its own these days.\n\nSo starting with something smaller, because it does have an effect on your take home pay, can essentially mean you can get used to the difference in your income, and then we can build on that salary sacrifice down the track for you if that makes sense. Okay? Excellent. The advantages of salary sacrifice are, obviously, that you are putting more money into super, and it does have an effect on your taxes. Salary sacrifice is a pretax deduction from your income, so it does help to reduce your tax paid on your income as well.\n\nWe'll see at $50. It would be very minimum to start with. But, I mean, look, any tax saving, you pay way too much tax. We all do. So any tax saving you can make on your income is only a benefit to you at the end of the day.\n\nExcellent. And then the last part there is just making sure your beneficiary nominations are set up. This is on page number 25 there for you. So I'll get my team to make sure the beneficiary nominations are sent out, that we do pre fill the form for you, making sure that a 100% of your benefit is paid to Kylie in the event that something occurs. I've got her noted as your spouse, and we look to doing a binding non lapsing nomination so that we put that in place now, and then you and I review that moving forward and make changes if and when they ever needed to down the track.\n\nOkay? Beautiful. That is essentially the base of the recommendations. The only other last part is just making sure you do speak to a solicitor to have your will and power of attorney drawn up. My team can always send you some additional information if you would like to, but it is definitely important your super beneficiaries look after your super.\n\nBut then everything else that you've got, your home, your contents, your cars, your savings accounts, everything else that you've worked just as hard for should also be protected. And that is all done as part of your estate planning through setting up a will and a power of attorney to make sure that if anything happens to you, that you have someone that you've nominated to make decisions on your behalf and that that person knows how you would like them to act on your behalf in the event that something occurs to you. Okay. Beautiful. Essentially, if you decide to take on the recommendations, the way this will work is we'll start by making the super switch first.\n\nWe'll switch the investments. You'll probably get a notification or two to let you know that we're making those changes in the back end, and then my team can provide the salary sacrifice letter to you for you to hand to your employer to have that change made when you're ready to do so. We'll review that on a regular basis. My team will pre fill beneficiaries and have those sent out, and then we can always refer you to our solicitor if you require those require that down the track to your estate planning side of things as well. Okay?\n\nExcellent. Like, that is essentially all the recommendations there. I try to make it as easy as possible. You do have a chance to go back and have a read to the document prior. I do have all the recommendations outlined on each of the pages there with the advantages, disadvantages, risks involved, and any alternatives that I've considered as part of the research there for you as well.\n\nAnd depending on how much you enjoy reading, I've also got the product disclosure statements attached to the email for you as well for hub twenty four and our financial services guide, which has been updated as well. Okay? Beautiful. If you're happy once you're read through, if you're happy to take the recommendations, we'll just ask that you sign and return the document back. If there is any part of the recommendations that you choose not to take on board, on the last page, we do have a box.\n\nIt's called multiline, I'm pretty sure. And, essentially, you just make a note in there if there's a section of the advice that you're choosing not to take on board, essentially. Okay. Easy. Do you have any questions?\n\nDoes anything kinda come up flagged that you wanted to ask me or break down any further for you? No. That's okay. Thank you so much. Well, I will let you go.\n\nI really appreciate your time this afternoon. I thank you for allowing me to put this research together for you. Really enjoyed putting this together. I'll let you go back and have some time to read it through. And if once you're happy, if you wanna the recommendations on, I'll get you to sign and return that back for us.\n\nOkay? My pleasure, John. You have a lovely evening. Thanks so much. I'll talk to you soon.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, John.","start":4.4,"end":5.04,"sentiment":"neutral","sentiment_score":0.1099388487637043},{"text":"This is Dana from Okie Financial.","start":5.04,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.14949002613623938},{"text":"How are you this afternoon?","start":6.96,"end":8.34,"sentiment":"neutral","sentiment_score":0.232613143324852},{"text":"That's good.","start":10.639999,"end":11.44,"sentiment":"positive","sentiment_score":0.5658886432647705},{"text":"No.","start":11.44,"end":11.679999,"sentiment":"neutral","sentiment_score":0.15197408199310303}],"sentiment":"neutral","sentiment_score":0.2227271837182343,"num_words":16,"start":4.4,"end":11.679999},{"sentences":[{"text":"You're right.","start":11.679999,"end":12.16,"sentiment":"neutral","sentiment_score":0.24169881641864777},{"text":"All good.","start":12.16,"end":12.639999,"sentiment":"positive","sentiment_score":0.4826775789260864},{"text":"I had you booked in just to run through your updated statement of advice.","start":12.639999,"end":15.675,"sentiment":"neutral","sentiment_score":0.28811270211424145},{"text":"Is now still a good time there for you?","start":15.675,"end":17.695,"sentiment":"neutral","sentiment_score":0.27001866532696617},{"text":"Yeah.","start":18.955,"end":19.355,"sentiment":"neutral","sentiment_score":0.25845345854759216}],"sentiment":"neutral","sentiment_score":0.29181971667068346,"num_words":28,"start":11.679999,"end":19.355},{"sentences":[{"text":"Fantastic.","start":19.355,"end":19.855,"sentiment":"positive","sentiment_score":0.4900045096874237},{"text":"Do you have access to your email, sir, at the moment as well?","start":20.075,"end":23.215,"sentiment":"neutral","sentiment_score":0.18428225471423224},{"text":"Yeah.","start":25.515,"end":25.915,"sentiment":"neutral","sentiment_score":0.3158223628997803},{"text":"Fantastic.","start":25.915,"end":26.415,"sentiment":"positive","sentiment_score":0.5578240156173706},{"text":"I'm just gonna email this document through to you there just so you can run through it with me.","start":26.555,"end":32.93,"sentiment":"positive","sentiment_score":0.3388369177517138}],"sentiment":"neutral","sentiment_score":0.2913491896220616,"num_words":35,"start":19.355,"end":32.93},{"sentences":[{"text":"Hopefully, the Internet works in our favor and it comes through fairly quickly.","start":33.629997,"end":37.489998,"sentiment":"neutral","sentiment_score":0.3247254616939105},{"text":"Yeah.","start":41.23,"end":41.73,"sentiment":"neutral","sentiment_score":0.07762719690799713},{"text":"Legend.","start":42.03,"end":42.53,"sentiment":"neutral","sentiment_score":0.13900813460350037},{"text":"All good.","start":42.829998,"end":43.57,"sentiment":"neutral","sentiment_score":0.24456605315208435},{"text":"There we go.","start":45.075,"end":45.715,"sentiment":"neutral","sentiment_score":0.19071525832017264}],"sentiment":"neutral","sentiment_score":0.274967210739851,"num_words":20,"start":33.629997,"end":45.715},{"sentences":[{"text":"I've just pressed send on that one.","start":45.715,"end":47.735,"sentiment":"neutral","sentiment_score":0.10497648268938065},{"text":"How's your day been so far?","start":51.635002,"end":53.415,"sentiment":"neutral","sentiment_score":0.11177958423892657},{"text":"Oh, wow.","start":56.995003,"end":57.795002,"sentiment":"neutral","sentiment_score":0.07511115446686745},{"text":"Hope you had a good rest for the day.","start":57.795002,"end":63.12,"sentiment":"neutral","sentiment_score":0.13221614042090046},{"text":"Oh, that's really good.","start":63.12,"end":64.56,"sentiment":"positive","sentiment_score":0.36389540880918503}],"sentiment":"neutral","sentiment_score":0.15004507472206438,"num_words":28,"start":45.715,"end":64.56},{"sentences":[{"text":"That's excellent.","start":64.56,"end":65.38,"sentiment":"positive","sentiment_score":0.5874408781528473},{"text":"Just while that is coming through to you, John, there, just to let you know, we do record our calls for quality and training purposes.","start":66.159996,"end":71.68,"sentiment":"neutral","sentiment_score":0.16765499264001846},{"text":"Are you happy for me to proceed with that?","start":71.68,"end":74.02,"sentiment":"neutral","sentiment_score":0.19533577230241564},{"text":"Yeah.","start":74.88,"end":75.105,"sentiment":"neutral","sentiment_score":0.09798374772071838},{"text":"Yep.","start":75.345,"end":75.665,"sentiment":"neutral","sentiment_score":0.15554773807525635}],"sentiment":"neutral","sentiment_score":0.19415289496904925,"num_words":38,"start":64.56,"end":75.665},{"sentences":[{"text":"Fantastic.","start":75.665,"end":76.165,"sentiment":"positive","sentiment_score":0.3965188264846802},{"text":"And just do a quick security check there as well just to confirm your full name, your date of birth, and address I should have on file.","start":76.305,"end":82.645004,"sentiment":"neutral","sentiment_score":0.17080384051358258},{"text":"Yep.","start":85.90501,"end":86.40501,"sentiment":"neutral","sentiment_score":0.03544054552912712},{"text":"Yep.","start":88.865005,"end":89.365005,"sentiment":"neutral","sentiment_score":0.08042442798614502},{"text":"Perfect.","start":90.225006,"end":90.6,"sentiment":"neutral","sentiment_score":0.27011701464653015}],"sentiment":"neutral","sentiment_score":0.1740065970488133,"num_words":31,"start":75.665,"end":90.6},{"sentences":[{"text":"Yeah.","start":91.159996,"end":91.56,"sentiment":"neutral","sentiment_score":0.10031758248806},{"text":"You're right.","start":91.56,"end":92.46,"sentiment":"neutral","sentiment_score":0.1052846722304821},{"text":"You did well.","start":93.159996,"end":96.06,"sentiment":"neutral","sentiment_score":0.07860996077458064},{"text":"Legend.","start":96.759995,"end":97.24,"sentiment":"neutral","sentiment_score":0.15030650794506073},{"text":"Thank you so much.","start":97.24,"end":98.28,"sentiment":"neutral","sentiment_score":0.3246065303683281}],"sentiment":"neutral","sentiment_score":0.1814044944264672,"num_words":11,"start":91.159996,"end":98.28},{"sentences":[{"text":"And how's the weather over there at the moment?","start":98.28,"end":100.36,"sentiment":"neutral","sentiment_score":0.02753502130508423},{"text":"Is it still cold?","start":100.36,"end":101.42,"sentiment":"neutral","sentiment_score":-0.0201175631955266},{"text":"Yeah.","start":105.32,"end":105.799995,"sentiment":"neutral","sentiment_score":0.03243275731801987},{"text":"Wow.","start":105.799995,"end":106.299995,"sentiment":"neutral","sentiment_score":0.03277595341205597},{"text":"Oh, yeah.","start":109.465004,"end":110.90501,"sentiment":"neutral","sentiment_score":0.009053412824869156}],"sentiment":"neutral","sentiment_score":0.014744733843733282,"num_words":17,"start":98.28,"end":110.90501},{"sentences":[{"text":"Wow.","start":110.90501,"end":111.225006,"sentiment":"neutral","sentiment_score":-0.005411654710769653},{"text":"Well, hopefully, the I know in summer, it kinda gets really hot over there.","start":111.225006,"end":114.505005,"sentiment":"neutral","sentiment_score":-0.04958286987883704},{"text":"You end up with really cold winters and really hot summers.","start":114.505005,"end":117.245,"sentiment":"neutral","sentiment_score":-0.10109423033215782},{"text":"So, hopefully, the the sun stays out for you.","start":117.465004,"end":120.525,"sentiment":"neutral","sentiment_score":0.15801097287072075},{"text":"It's been a bit yeah.","start":120.79,"end":126.89,"sentiment":"neutral","sentiment_score":-0.03598404433578253}],"sentiment":"neutral","sentiment_score":-0.014235745812766255,"num_words":40,"start":110.90501,"end":126.89},{"sentences":[{"text":"Wow.","start":127.75,"end":128.23,"sentiment":"neutral","sentiment_score":0.0941239893436432},{"text":"The north, Fantastic.","start":128.23,"end":132.09,"sentiment":"neutral","sentiment_score":0.22936650241414705},{"text":"Excellent.","start":132.39,"end":132.89,"sentiment":"positive","sentiment_score":0.4987085163593292},{"text":"So when you open that one up there, you should see a button that says sign here.","start":132.95,"end":136.69499,"sentiment":"neutral","sentiment_score":0.12004854179480497},{"text":"If you click that and move on through, it'll take you over to the advice document.","start":136.69499,"end":141.115,"sentiment":"neutral","sentiment_score":0.10117263626307249}],"sentiment":"neutral","sentiment_score":0.1300136685175331,"num_words":38,"start":127.75,"end":141.115},{"sentences":[{"text":"I will never ask you to sign anything you haven't read, so we'll go through it before I ask you to sign anything.","start":141.655,"end":146.875,"sentiment":"neutral","sentiment_score":0.06904072476469952},{"text":"Okay.","start":146.935,"end":147.435,"sentiment":"neutral","sentiment_score":0.08183246850967407},{"text":"Fantastic.","start":150.98001,"end":151.46,"sentiment":"positive","sentiment_score":0.6347508430480957},{"text":"Beautiful.","start":151.46,"end":151.94,"sentiment":"positive","sentiment_score":0.5851802825927734},{"text":"So on the front page, it has statement of advice prepared for yourself as of the 08/11/2026.","start":151.94,"end":157.32,"sentiment":"neutral","sentiment_score":0.135249884251286}],"sentiment":"neutral","sentiment_score":0.12067321618629057,"num_words":43,"start":141.655,"end":157.32},{"sentences":[{"text":"All of our advice documents are valid for sixty days from the date on the document there, so you do have time to review it prior to taking you onboard any advice provided.","start":157.54001,"end":165.32,"sentiment":"neutral","sentiment_score":0.12037315547014728},{"text":"And on the bottom of the front page has my authorized representative numbers.","start":166.095,"end":169.455,"sentiment":"neutral","sentiment_score":0.0617401092671431},{"text":"The advice has been provide provided by myself and my lovely team here.","start":169.455,"end":173.85501,"sentiment":"neutral","sentiment_score":0.12102602250300921},{"text":"And as a registered adviser with ASIC, my number is 1304394.","start":173.85501,"end":178.91501,"sentiment":"neutral","sentiment_score":0.04962189529429783},{"text":"Okay?","start":178.975,"end":179.475,"sentiment":"neutral","sentiment_score":0.03840620070695877}],"sentiment":"neutral","sentiment_score":0.09764113933057852,"num_words":71,"start":157.54001,"end":179.475},{"sentences":[{"text":"If you scroll through the other pages there, we've got the best interest, Judy.","start":181.07,"end":184.51001,"sentiment":"neutral","sentiment_score":0.0669944831835372},{"text":"So just letting you know that any advice we do provide is to be provided to meet your goals and and the best interest that is all part of the corporations act.","start":184.51001,"end":191.73001,"sentiment":"neutral","sentiment_score":0.11758774728514254},{"text":"On page number three onwards, we have the areas of where we're scoping.","start":192.59,"end":197.05501,"sentiment":"neutral","sentiment_score":0.0357529790355609},{"text":"So we're looking at areas of superannuation.","start":197.05501,"end":198.835,"sentiment":"neutral","sentiment_score":0.037903636161770136},{"text":"Your goal when we spoke was to try and retire a little bit earlier than '67 if possible.","start":199.855,"end":205.075,"sentiment":"neutral","sentiment_score":0.04039285166396035}],"sentiment":"neutral","sentiment_score":0.0733085260504768,"num_words":84,"start":181.07,"end":205.075},{"sentences":[{"text":"You wanted to draw about a thousand dollars a week in retirement there, and you were comfortable to start looking at maybe making salary sacrifice contributions to sort of build super a little bit faster for you as well.","start":206.015,"end":217.42,"sentiment":"neutral","sentiment_score":0.10403063721381701},{"text":"Does that still sound appropriate to your goals?","start":217.56,"end":219.64,"sentiment":"neutral","sentiment_score":0.044983796775341034},{"text":"Do you think anything might have changed there currently?","start":219.64,"end":221.98001,"sentiment":"neutral","sentiment_score":-0.040432899362511106},{"text":"Yep.","start":224.455,"end":224.855,"sentiment":"neutral","sentiment_score":0.015062644146382809},{"text":"Beautiful.","start":224.855,"end":225.355,"sentiment":"positive","sentiment_score":0.7804800271987915}],"sentiment":"neutral","sentiment_score":0.08359847935558908,"num_words":58,"start":206.015,"end":225.355},{"sentences":[{"text":"We've also sort of factored in the estate planning side of things, so we wanted to make sure our beneficiary nomination, sorry, is placed on file, making sure that as per your goal, your super is directed a 100% to your spouse in the event that something happens to you.","start":226.455,"end":240.89,"sentiment":"neutral","sentiment_score":0.2984038326144218},{"text":"And it is really important that you do review a will and power of attorney and speak to a a qualified solicitor to have those documents prepared and drawn up to protect anything else that you've worked so hard for down the track.","start":241.19,"end":252.265,"sentiment":"neutral","sentiment_score":0.17056879141302997},{"text":"So we do scope in the estate planning side to make sure everything is correctly noted there for you as well.","start":252.485,"end":258.905,"sentiment":"neutral","sentiment_score":0.15198608133054914},{"text":"Areas on the next page, page number five, what we are scoping out, so not looking at debt currently.","start":260.405,"end":265.53,"sentiment":"neutral","sentiment_score":-0.0034653023375492338},{"text":"You are hoping to pay off the loan before retirement day.","start":265.75,"end":268.55002,"sentiment":"neutral","sentiment_score":-0.049913443963636055}],"sentiment":"neutral","sentiment_score":0.17244075514867696,"num_words":144,"start":226.455,"end":268.55002},{"sentences":[{"text":"You may have meant you were happy just tipping away at that at the moment.","start":268.55002,"end":271.61002,"sentiment":"neutral","sentiment_score":-0.05220896862447262},{"text":"If down the track you did wanna look at additional advice, let me know.","start":271.67,"end":274.995,"sentiment":"neutral","sentiment_score":0.006530150372002806},{"text":"But for the moment, we've scoped that out just focusing on the superannuation side of things currently.","start":275.235,"end":280.055,"sentiment":"neutral","sentiment_score":0.005946760668474085},{"text":"The insurances are scoped out as well.","start":281.79498,"end":283.875,"sentiment":"neutral","sentiment_score":0.0049207644270999095},{"text":"So one of the things that we spoke about in your annual review was you may have mentioned you thought you had some insurances with Macquarie.","start":283.875,"end":289.895,"sentiment":"neutral","sentiment_score":-0.005202482597759137}],"sentiment":"neutral","sentiment_score":-0.008752363156291503,"num_words":79,"start":268.55002,"end":289.895},{"sentences":[{"text":"After the call, you came back, maybe mentioned that you spoke to your wife and checked.","start":290.93,"end":294.77,"sentiment":"neutral","sentiment_score":-0.048358508851379156},{"text":"You no longer have those insurances.","start":294.77,"end":296.55,"sentiment":"neutral","sentiment_score":-0.14378616337974867},{"text":"So it does mean at the moment you don't have any life, TPD, income protection, or trauma cover.","start":296.77,"end":302.15,"sentiment":"neutral","sentiment_score":-0.12354850934611426},{"text":"I've scoped that out for the time being.","start":302.86502,"end":305.20502,"sentiment":"neutral","sentiment_score":-0.054035430774092674},{"text":"Do you feel that you're okay not having those sorts of insurance?","start":305.345,"end":308.64502,"sentiment":"neutral","sentiment_score":-0.1646594014018774}],"sentiment":"neutral","sentiment_score":-0.10447537588576476,"num_words":60,"start":290.93,"end":308.64502},{"sentences":[{"text":"Did you wanna sort of come back and reassess the levels of cover and incorporate that to the advice, or are you sort of happy just focusing on super at the moment?","start":308.70502,"end":316.70502,"sentiment":"neutral","sentiment_score":-0.08530254760989919},{"text":"What's your thoughts there?","start":316.70502,"end":320.08002,"sentiment":"neutral","sentiment_score":-0.0395070593804121},{"text":"Yep.","start":321.94,"end":322.26,"sentiment":"neutral","sentiment_score":0.20127072930336},{"text":"Absolutely.","start":322.26,"end":322.76,"sentiment":"positive","sentiment_score":0.35094699263572693},{"text":"That's okay.","start":323.62003,"end":324.44,"sentiment":"positive","sentiment_score":0.34867168962955475}],"sentiment":"neutral","sentiment_score":-0.040953716496005654,"num_words":40,"start":308.70502,"end":324.44},{"sentences":[{"text":"If you are sort of thinking about things and you wanna come back and review, you know, a level of cover that you need or talk about more about those insurances, please let me know.","start":324.74002,"end":332.905,"sentiment":"neutral","sentiment_score":0.1496413597038814},{"text":"I can definitely help you and make sure you are covered as well.","start":332.905,"end":336.105,"sentiment":"positive","sentiment_score":0.5130689258758838},{"text":"Okay?","start":336.105,"end":336.605,"sentiment":"neutral","sentiment_score":0.05831601470708847},{"text":"Excellent.","start":337.70502,"end":338.20502,"sentiment":"positive","sentiment_score":0.7183011770248413},{"text":"And then other personal investments as well.","start":339.145,"end":341.065,"sentiment":"neutral","sentiment_score":0.30808007078511374}],"sentiment":"neutral","sentiment_score":0.2603600230394748,"num_words":57,"start":324.74002,"end":341.065},{"sentences":[{"text":"So you do have your SMG shares there.","start":341.065,"end":343.065,"sentiment":"neutral","sentiment_score":0.2631828337907791},{"text":"You are happy just keeping those until retirement.","start":343.065,"end":345.48502,"sentiment":"positive","sentiment_score":0.40781179815530777},{"text":"So we've scoped the personal investment side out of the advice as well.","start":346.08,"end":349.68,"sentiment":"neutral","sentiment_score":0.12587387200731498},{"text":"We can assist you in that area down the track when and if you wanna look at selling or removing those.","start":349.68,"end":354.74,"sentiment":"neutral","sentiment_score":0.1118589694656077},{"text":"Okay?","start":354.8,"end":355.3,"sentiment":"neutral","sentiment_score":0.0841626226902008}],"sentiment":"neutral","sentiment_score":0.18504937986532846,"num_words":51,"start":341.065,"end":355.3},{"sentences":[{"text":"Excellent.","start":356.88,"end":357.38,"sentiment":"positive","sentiment_score":0.6029293537139893},{"text":"To make things a little bit easier for you, if you sort of scroll down for me so sorry.","start":358.0,"end":363.36502,"sentiment":"neutral","sentiment_score":0.2942025030129834},{"text":"To page number 17, I'll take you through the advice, and then you're welcome to definitely go back and read all the other pages ahead just to make things easier on you.","start":363.905,"end":373.525,"sentiment":"neutral","sentiment_score":0.2781042130663991},{"text":"Beautiful.","start":375.1,"end":375.6,"sentiment":"positive","sentiment_score":0.5904051065444946},{"text":"So with your super, I essentially went back and reviewed the superannuation as well as the investments within the super there and had a bit of a look at your portfolio.","start":375.74002,"end":384.24002,"sentiment":"neutral","sentiment_score":0.13638595155169886}],"sentiment":"neutral","sentiment_score":0.23702953968729293,"num_words":84,"start":356.88,"end":384.24002},{"sentences":[{"text":"We had noted that some of the investments within the portfolio have been underperforming a little bit.","start":384.78,"end":389.18002,"sentiment":"neutral","sentiment_score":-0.2293302916428622},{"text":"So we wanted to kinda rejig things.","start":389.18002,"end":391.155,"sentiment":"neutral","sentiment_score":-0.14017030703169958},{"text":"Essentially, portfolios that were built a couple of years ago were built because they were working back then, but every so often, it is important to shake things up a little bit, over the portfolio and sort of make sure things are working as hard as possible for you as markets and trends change within the market environment there.","start":391.155,"end":408.03998,"sentiment":"neutral","sentiment_score":-0.07034320946214563},{"text":"So this is essentially showing you what I wanna change with your sofa.","start":408.41998,"end":411.8,"sentiment":"neutral","sentiment_score":0.050843264621037706},{"text":"Essentially, the newer portfolio means that we are looking to retain physical gold.","start":412.34,"end":417.31998,"sentiment":"neutral","sentiment_score":0.04240865403643021}],"sentiment":"neutral","sentiment_score":-0.07172276626486297,"num_words":109,"start":384.78,"end":417.31998},{"sentences":[{"text":"I do wanna increase your exposure to about 10% there.","start":417.37997,"end":420.715,"sentiment":"neutral","sentiment_score":0.08737648352980613},{"text":"You're sitting at about 5.40% there at the moment, so we'd be buying a little bit more gold.","start":420.715,"end":426.015,"sentiment":"neutral","sentiment_score":0.04206217866804865},{"text":"This portfolio is selling off the silver.","start":426.635,"end":428.875,"sentiment":"neutral","sentiment_score":-0.16310072796685354},{"text":"Silver has had a bit of a downtime this year.","start":428.875,"end":431.4,"sentiment":"neutral","sentiment_score":-0.26505074054002764},{"text":"It has been underperforming a little bit, so I do wanna look at removing that out for the time being.","start":431.72,"end":436.46,"sentiment":"neutral","sentiment_score":-0.21808209791779518}],"sentiment":"neutral","sentiment_score":-0.10035339089540335,"num_words":65,"start":417.37997,"end":436.46},{"sentences":[{"text":"And then you've also got your Banna Long concentrated equities fund there.","start":436.91998,"end":441.1,"sentiment":"neutral","sentiment_score":-0.04942685458809137},{"text":"Banna Long has been underperforming in everyone's portfolio.","start":441.32,"end":444.22,"sentiment":"neutral","sentiment_score":-0.19880547747015953},{"text":"We are removing that wholly and replacing the Australian equities portion, so that would be sold completely out for you.","start":444.36,"end":450.625,"sentiment":"neutral","sentiment_score":-0.07716789748519659},{"text":"The Vanguard diversified index fund, you currently hold 9%.","start":451.245,"end":455.32498,"sentiment":"neutral","sentiment_score":0.0038210702025228077},{"text":"We are removing that as we've kind of worked out a way to hold defensive assets for you, but also keep the portfolio low cost.","start":455.32498,"end":462.59998,"sentiment":"neutral","sentiment_score":0.03982032105326652}],"sentiment":"neutral","sentiment_score":-0.03644630224821535,"num_words":74,"start":436.91998,"end":462.59998},{"sentences":[{"text":"So this new portfolio removes that investment solely.","start":462.59998,"end":465.81998,"sentiment":"neutral","sentiment_score":-0.05116442870348692},{"text":"The cybersecurity portion, at the moment, this year has been a bit up and down there.","start":467.47998,"end":471.96,"sentiment":"neutral","sentiment_score":-0.1715003396384418},{"text":"We wanna hold about 5% in the sort of portfolio you're in, and you currently have about 6% there at the moment.","start":471.96,"end":478.255,"sentiment":"neutral","sentiment_score":-0.03141484164040197},{"text":"So we just wanna sell some of that off, and reinvest the funds elsewhere.","start":478.255,"end":482.595,"sentiment":"neutral","sentiment_score":-0.021220716514757702},{"text":"So it's just rebalancing the cybersecurity portion of your portfolio back to 5%.","start":482.655,"end":487.475,"sentiment":"neutral","sentiment_score":0.12412590705431424}],"sentiment":"neutral","sentiment_score":-0.03462877560866206,"num_words":73,"start":462.59998,"end":487.475},{"sentences":[{"text":"Battery and lithium tech has had some great years there.","start":489.26,"end":491.74002,"sentiment":"neutral","sentiment_score":0.3242317020893097},{"text":"This year, again, hasn't done too badly, but the portfolio that we're moving into provides greater diversification, so we are looking to remove that completely from the portfolio.","start":491.74002,"end":500.48,"sentiment":"neutral","sentiment_score":0.07519343069621495},{"text":"And then the the Morningstar Global Tech as well.","start":501.49503,"end":504.535,"sentiment":"neutral","sentiment_score":0.045180417597293854},{"text":"Tech has been a bit up and down this year, so this portfolio is to remove that and invest in tech in other ways to make it ease cheaper for you, but also look at a better performing portfolio.","start":504.535,"end":514.84,"sentiment":"neutral","sentiment_score":0.07602355657861783},{"text":"So I'm gonna sell all of that off out of your portfolio.","start":514.9,"end":517.64,"sentiment":"neutral","sentiment_score":-0.002332790444294611}],"sentiment":"neutral","sentiment_score":0.08868655163262572,"num_words":98,"start":489.26,"end":517.64},{"sentences":[{"text":"We're going to buy into Europe.","start":518.82,"end":520.76,"sentiment":"neutral","sentiment_score":0.13416380062699318},{"text":"This investment, the iShares Europe, is giving you access and exposure to all 16 European countries there.","start":521.06,"end":527.715,"sentiment":"neutral","sentiment_score":0.21880165619008682},{"text":"We wanna hold about 8% of the portfolio, so we're gonna buy some more of that investment.","start":527.79504,"end":532.59503,"sentiment":"neutral","sentiment_score":0.1861470201436211},{"text":"You've only got about 5% there currently.","start":532.59503,"end":534.935,"sentiment":"neutral","sentiment_score":0.096364398087774},{"text":"We've also got the S and P 500.","start":535.79504,"end":538.11505,"sentiment":"neutral","sentiment_score":0.10533979441970587}],"sentiment":"neutral","sentiment_score":0.1673887171528556,"num_words":55,"start":518.82,"end":538.11505},{"sentences":[{"text":"You currently hold 24.50%.","start":538.11505,"end":541.09503,"sentiment":"neutral","sentiment_score":0.10631212592124939},{"text":"We wanna hold about 30%.","start":541.56,"end":543.5,"sentiment":"neutral","sentiment_score":0.1181819349527359},{"text":"The US market has been a bit up and down, but this investment is still really good to hold.","start":543.56,"end":548.60004,"sentiment":"neutral","sentiment_score":0.2327710327349211},{"text":"When you think about markets, The US does have a lot of volatility and go up and down, but you do get a lot of growth out of The US market.","start":548.60004,"end":557.085,"sentiment":"neutral","sentiment_score":0.11711187492455205},{"text":"So holding access to the S and P 500 is still a good place to be invested.","start":557.325,"end":561.66504,"sentiment":"positive","sentiment_score":0.45238087633076834}],"sentiment":"neutral","sentiment_score":0.2205230371144257,"num_words":76,"start":538.11505,"end":561.66504},{"sentences":[{"text":"So we're gonna buy some more of that investment.","start":561.805,"end":563.905,"sentiment":"neutral","sentiment_score":0.26012058390511406},{"text":"Okay?","start":564.205,"end":564.705,"sentiment":"neutral","sentiment_score":0.10464321076869965},{"text":"We've got the Asia iShares Asia investment.","start":566.685,"end":566.9517,"sentiment":"neutral","sentiment_score":0.07419219167370882},{"text":"You currently hold 4% there at the moment because we do hold, You currently hold 4% there at the moment because we do hold the iShares in Europe, and we are increasing the exposure there.","start":566.9517,"end":576.62,"sentiment":"neutral","sentiment_score":0.020392830217523233},{"text":"We're just selling off the Asia exposure.","start":576.62,"end":578.72,"sentiment":"neutral","sentiment_score":0.003281941371304648}],"sentiment":"neutral","sentiment_score":0.06274231279395141,"num_words":59,"start":561.805,"end":578.72},{"sentences":[{"text":"We can kind of keep that in in amongst the other areas.","start":578.94,"end":582.07996,"sentiment":"neutral","sentiment_score":0.17926777278383574},{"text":"You've also got the Vanguard Australian fixed interest investment hold about 6% there.","start":583.025,"end":588.30505,"sentiment":"neutral","sentiment_score":0.12787494751123282},{"text":"We found a a a more low cost way to sort of incorporate defensive investments into your portfolio, so we're gonna sell all of that fixed interest investment down.","start":588.30505,"end":597.685,"sentiment":"positive","sentiment_score":0.3353476639965485},{"text":"We're gonna buy into the Japanese market.","start":598.35,"end":600.82996,"sentiment":"neutral","sentiment_score":0.20152033013956888},{"text":"There has been quite a lot happening and trending, especially with what's been happening with China.","start":600.82996,"end":605.49,"sentiment":"neutral","sentiment_score":0.13584498106501997}],"sentiment":"neutral","sentiment_score":0.22237443967492548,"num_words":77,"start":578.94,"end":605.49},{"sentences":[{"text":"So high global tensions there, essentially.","start":606.02997,"end":608.61,"sentiment":"neutral","sentiment_score":0.029920669272542},{"text":"So Japan is definitely a place of growth.","start":608.67,"end":610.93,"sentiment":"neutral","sentiment_score":0.2270129695534706},{"text":"So we wanna hold about 5% of Japanese market.","start":611.245,"end":614.465,"sentiment":"neutral","sentiment_score":0.23017079631487528},{"text":"And then we've got the Vanguard or World x US investment.","start":614.765,"end":618.22504,"sentiment":"neutral","sentiment_score":0.11821865358135918},{"text":"So one of the biggest things one of the things we wanna be able to do is diversify your portfolio, not only across different industries and asset classes, but across different countries.","start":618.28503,"end":627.93,"sentiment":"neutral","sentiment_score":0.3173488792963326}],"sentiment":"neutral","sentiment_score":0.23519294342082558,"num_words":66,"start":606.02997,"end":627.93},{"sentences":[{"text":"And this is giving you access to the or exposure to the entire globe minus The US, and that's because we have the S and P 500 noted above within your portfolio there.","start":628.23,"end":638.55,"sentiment":"neutral","sentiment_score":0.25032905714981485},{"text":"So the Vanguard or World ex US investment, we wanna hold 8% off and giving you global exposure, which also helps to reduce your risk level within the portfolio there as well.","start":638.55,"end":649.09503,"sentiment":"neutral","sentiment_score":0.30308472365140915},{"text":"Okay?","start":649.235,"end":649.735,"sentiment":"neutral","sentiment_score":0.1072571873664856},{"text":"And then we've got the BetaShares Australia 200.","start":651.33,"end":654.05005,"sentiment":"neutral","sentiment_score":0.1378827728331089},{"text":"So because we are removing the Bennelong Australian equities investment, that investment generally held between 15 to 25 different investments depending on what the investment manager within Bennelong was looking to hold.","start":654.05005,"end":666.07,"sentiment":"neutral","sentiment_score":0.08222747761465143}],"sentiment":"neutral","sentiment_score":0.20567140279706778,"num_words":106,"start":628.23,"end":666.07},{"sentences":[{"text":"By selling that underperforming investment, we still wanna hold some Australian equities.","start":666.955,"end":671.195,"sentiment":"neutral","sentiment_score":0.11878227566679318},{"text":"So we're buying the beta a 200.","start":671.195,"end":673.695,"sentiment":"neutral","sentiment_score":0.2760380953550339},{"text":"This is giving you exposures to the top 200 companies on the ASX.","start":674.155,"end":678.015,"sentiment":"positive","sentiment_score":0.38749470389806306},{"text":"So it's actually giving you more diversification, helping to lower your overall risk with your portfolio.","start":678.79004,"end":683.69,"sentiment":"positive","sentiment_score":0.5173027608543634},{"text":"It is also essentially a cheaper investment.","start":684.55,"end":687.05,"sentiment":"positive","sentiment_score":0.37660608121326994}],"sentiment":"positive","sentiment_score":0.3510576703331687,"num_words":55,"start":666.955,"end":687.05},{"sentences":[{"text":"So Bannalong was more of an actively managed fund, whereas this is more of a passively managed fund.","start":687.11,"end":692.295,"sentiment":"neutral","sentiment_score":0.031985033200018935},{"text":"When you think about investments over the longer term, while active managers can outperform the market, they don't always do that and often have years where they absolutely underperform, whereas being invested in a passive portfolio tends to outperform the market as a or outperform active managers as a whole and tends to provide a greater level of return when you remain invested through the ups and downs without trying to time and pick the market there.","start":692.295,"end":718.56,"sentiment":"neutral","sentiment_score":0.1217735364077637},{"text":"So having exposure to the Australian market in the a 200 is giving you a passive investment.","start":718.56,"end":724.275,"sentiment":"neutral","sentiment_score":0.2441981347168193},{"text":"Sorry.","start":725.375,"end":725.775,"sentiment":"neutral","sentiment_score":0.2729385793209076},{"text":"It's also giving you greater diversification, and it's also a cheaper investment.","start":725.775,"end":729.79504,"sentiment":"positive","sentiment_score":0.4823628788193067}],"sentiment":"neutral","sentiment_score":0.16131963453069328,"num_words":125,"start":687.11,"end":729.79504},{"sentences":[{"text":"So it's helping to lower the cost of your portfolio as well.","start":729.85504,"end":733.315,"sentiment":"positive","sentiment_score":0.527518222729365},{"text":"Does that make sense?","start":733.4,"end":734.36,"sentiment":"neutral","sentiment_score":0.12775013782083988},{"text":"Do you have any questions so far?","start":734.36,"end":736.38,"sentiment":"neutral","sentiment_score":0.027649493888020515},{"text":"Excellent.","start":739.4,"end":739.9,"sentiment":"neutral","sentiment_score":0.294327050447464},{"text":"And then the last one on the next page is the core composite bonds.","start":740.2,"end":743.4,"sentiment":"neutral","sentiment_score":0.1117061126445021}],"sentiment":"neutral","sentiment_score":0.23402574496637835,"num_words":38,"start":729.85504,"end":743.4},{"sentences":[{"text":"So at the moment, you're in that growth environment.","start":743.4,"end":745.74,"sentiment":"neutral","sentiment_score":0.10900175074736278},{"text":"So you generally have 80% invested in those growth assets, and we still wanna have 20% in low risk defensive investments.","start":746.04,"end":753.945,"sentiment":"neutral","sentiment_score":0.15066296252466382},{"text":"So keeping core composite bonds is giving you access and exposure to both government and corporate bonds.","start":754.085,"end":760.185,"sentiment":"neutral","sentiment_score":0.21951570843949036},{"text":"Bonds are really good as a defensive investment.","start":760.325,"end":762.645,"sentiment":"positive","sentiment_score":0.39740000665187836},{"text":"They pay income, which is paid into your cash account and then reinvested back into your portfolio for compounding as well.","start":762.645,"end":769.48004,"sentiment":"neutral","sentiment_score":0.2721298478898548}],"sentiment":"neutral","sentiment_score":0.22066620884365157,"num_words":76,"start":743.4,"end":769.48004},{"sentences":[{"text":"So this is helping to lower the overall risk of your portfolio, provide greater diversification, but also a lower cost option to your portfolio.","start":769.48004,"end":777.10004,"sentiment":"positive","sentiment_score":0.4040548565487067},{"text":"And these investments have shown over the past five years.","start":777.705,"end":780.505,"sentiment":"positive","sentiment_score":0.4103449136018753},{"text":"They've had a greater level of of returns and which can, you know, in the future, provide a greater level of future performance depending on market conditions there.","start":780.505,"end":790.505,"sentiment":"positive","sentiment_score":0.384892324251788},{"text":"So these are the changes that I'm making to your portfolio.","start":790.505,"end":793.67,"sentiment":"neutral","sentiment_score":0.12183866785331206},{"text":"Obviously, anything in the red is what we're gonna be selling down.","start":794.05,"end":797.19,"sentiment":"neutral","sentiment_score":0.008309492016754424}],"sentiment":"neutral","sentiment_score":0.3060904708567678,"num_words":85,"start":769.48004,"end":797.19},{"sentences":[{"text":"Anything in the green is what we're gonna be purchasing.","start":797.49,"end":799.83,"sentiment":"neutral","sentiment_score":0.028303110972046852},{"text":"And then the very last target column essentially shows you at the end of those changes what you should end up with and how much you should have invested in each of those investments, if that makes sense.","start":799.97003,"end":810.135,"sentiment":"neutral","sentiment_score":0.13339532362787346},{"text":"Beautiful.","start":811.71497,"end":812.21497,"sentiment":"positive","sentiment_score":0.4602399468421936},{"text":"On the next page there, you'll also see your cash account.","start":812.83496,"end":815.475,"sentiment":"neutral","sentiment_score":0.1446474130180749},{"text":"At the moment, you've got a bit over 2% cash there.","start":815.475,"end":818.45496,"sentiment":"neutral","sentiment_score":0.009946187619458546}],"sentiment":"neutral","sentiment_score":0.1058144079075313,"num_words":71,"start":797.49,"end":818.45496},{"sentences":[{"text":"We only wanna hold about 1.25% cash, so we wanna buy about $3,716 into investments.","start":818.94,"end":826.88,"sentiment":"neutral","sentiment_score":0.03802304503818353},{"text":"So we're gonna take a bit of cash and reinvest that for you as well.","start":826.94,"end":830.54004,"sentiment":"neutral","sentiment_score":0.12171972294648488},{"text":"Okay?","start":830.54004,"end":831.04004,"sentiment":"neutral","sentiment_score":0.07650552690029144},{"text":"Beautiful.","start":832.38,"end":832.88,"sentiment":"positive","sentiment_score":0.692925751209259},{"text":"If you scroll down to page number 20, I can actually show you the main reason for me making these recommendations for you.","start":833.625,"end":840.445,"sentiment":"neutral","sentiment_score":0.3080183552659076}],"sentiment":"neutral","sentiment_score":0.1863635448908264,"num_words":55,"start":818.94,"end":840.445},{"sentences":[{"text":"Beautiful.","start":842.105,"end":842.605,"sentiment":"positive","sentiment_score":0.5369411706924438},{"text":"So this is your fee comparison table.","start":842.66504,"end":844.765,"sentiment":"neutral","sentiment_score":0.23724730099950517},{"text":"Essentially, the first column shows your current balance within hub twenty four.","start":845.305,"end":848.51996,"sentiment":"neutral","sentiment_score":0.15271439837912718},{"text":"So I did look at all the other super funds as well as hub twenty four and noted that, realistically, this was the best option to stay and remain within hub twenty four.","start":848.51996,"end":858.04,"sentiment":"neutral","sentiment_score":0.1645042918848269},{"text":"Then I had a look by by, say, if we were to sell all of your portfolio down and move you to another platform, we would have triggered CGT inside super as a bit of a $5,533 there.","start":858.04,"end":871.77496,"sentiment":"neutral","sentiment_score":0.0663117455612672}],"sentiment":"neutral","sentiment_score":0.1316344288106148,"num_words":91,"start":842.105,"end":871.77496},{"sentences":[{"text":"So by retaining HUB 24 and just making the changes to your portfolio, we can limit the CGT costs for you.","start":871.77496,"end":879.79,"sentiment":"neutral","sentiment_score":0.17425081169321424},{"text":"And if you have a look at the differences column there, the balance between the current portfolio and the recommended, there's no difference there.","start":879.93,"end":887.31,"sentiment":"neutral","sentiment_score":0.07217961130663753},{"text":"So these changes that I recommend that we make above actually don't have any tax consequences for your super.","start":887.77,"end":893.745,"sentiment":"neutral","sentiment_score":0.2704506728209947},{"text":"There's no CDT for that unlike sort of a bit like yourself.","start":893.745,"end":898.565,"sentiment":"neutral","sentiment_score":0.08656595336894195},{"text":"Your super fund does a tax return every year, so they do pay income tax and CDT tax when investments are purchased and sold in the back end.","start":898.785,"end":907.52496,"sentiment":"neutral","sentiment_score":0.18919423009668077}],"sentiment":"neutral","sentiment_score":0.16217663830432755,"num_words":104,"start":871.77496,"end":907.52496},{"sentences":[{"text":"So I was able to go back and have a look at trying to move your portfolio around, rebalance things, and make changes to your portfolio, but make it so your super fund has no tax consequences within the funds.","start":907.77,"end":919.21,"sentiment":"neutral","sentiment_score":0.19421081691980363},{"text":"So it has less of an effect on your super balance.","start":919.21,"end":921.93005,"sentiment":"neutral","sentiment_score":-0.011185180395841599},{"text":"Does that make sense?","start":921.93005,"end":922.845,"sentiment":"neutral","sentiment_score":0.06966146640479565},{"text":"Yeah.","start":924.76495,"end":925.245,"sentiment":"neutral","sentiment_score":0.2643536329269409},{"text":"That's okay.","start":925.245,"end":926.06494,"sentiment":"positive","sentiment_score":0.34556010365486145}],"sentiment":"neutral","sentiment_score":0.15309509307402988,"num_words":58,"start":907.77,"end":926.06494},{"sentences":[{"text":"All good.","start":926.685,"end":927.345,"sentiment":"positive","sentiment_score":0.45424874126911163},{"text":"Within the current scenario and the recommended column there, you'll see there's no change to the administration fees.","start":928.20496,"end":933.88495,"sentiment":"neutral","sentiment_score":0.05842697578999731},{"text":"That is because we are keeping hub 24.","start":933.88495,"end":936.24,"sentiment":"neutral","sentiment_score":0.10574590507894754},{"text":"There's been no real differences.","start":936.32,"end":937.76,"sentiment":"neutral","sentiment_score":-0.0204734094440937},{"text":"There's no real need to change the investment platform that your super is in at the moment.","start":937.76,"end":942.32,"sentiment":"neutral","sentiment_score":-0.18313760441892288}],"sentiment":"neutral","sentiment_score":-0.008191120699048043,"num_words":50,"start":926.685,"end":942.32},{"sentences":[{"text":"It's just about making sure that your portfolio is working harder for you.","start":942.32,"end":946.48,"sentiment":"neutral","sentiment_score":0.04330912920144888},{"text":"I always sort of say to people, you know, super fund that you're in is essentially the vehicle.","start":946.48,"end":950.39996,"sentiment":"neutral","sentiment_score":0.08467800066702896},{"text":"It's a bit like your car.","start":950.39996,"end":951.855,"sentiment":"neutral","sentiment_score":0.05800172872841358},{"text":"What really makes your car run is the fuel, and that's essentially the investments and the contributions that are made to the funds.","start":951.935,"end":958.01495,"sentiment":"neutral","sentiment_score":0.10624529777661613},{"text":"So keeping how 24 is still suited.","start":958.01495,"end":961.07495,"sentiment":"neutral","sentiment_score":0.21242639209542954}],"sentiment":"neutral","sentiment_score":0.09501283070934352,"num_words":67,"start":942.32,"end":961.07495},{"sentences":[{"text":"The investment fee, you'll see a bit of a difference there.","start":961.855,"end":964.89496,"sentiment":"neutral","sentiment_score":0.20739553462375293},{"text":"So by moving into the newer portfolio, we're actually saving you for the first year $1,952 in investment fees.","start":964.89496,"end":972.58997,"sentiment":"positive","sentiment_score":0.4719318245586596},{"text":"So this portfolio was actually a lot cheaper than your current portfolio, which is really good.","start":972.58997,"end":977.31,"sentiment":"positive","sentiment_score":0.7272000573575497},{"text":"That's more money sitting in your super working harder for you at the end of the day there as well.","start":977.31,"end":981.81,"sentiment":"positive","sentiment_score":0.6320940062403679},{"text":"Yeah.","start":983.745,"end":984.245,"sentiment":"neutral","sentiment_score":0.16469046473503113}],"sentiment":"positive","sentiment_score":0.5326839858916268,"num_words":67,"start":961.855,"end":984.245},{"sentences":[{"text":"There's also the ongoing service fee.","start":984.785,"end":987.02496,"sentiment":"neutral","sentiment_score":0.08264415959517162},{"text":"So we do charge an ongoing service fee for our services.","start":987.02496,"end":989.745,"sentiment":"neutral","sentiment_score":0.0931432003324682},{"text":"It's 1.65% there.","start":989.745,"end":991.845,"sentiment":"neutral","sentiment_score":0.14814173181851706},{"text":"That obviously does factor in growth, so we do see that grow by a little over $200 per year.","start":992.14496,"end":997.35,"sentiment":"neutral","sentiment_score":0.26160649014146703},{"text":"Our ongoing service fee moving forward will change as well.","start":997.35,"end":1000.55,"sentiment":"neutral","sentiment_score":0.16531338766217232}],"sentiment":"neutral","sentiment_score":0.17527597032639444,"num_words":49,"start":984.785,"end":1000.55},{"sentences":[{"text":"So as you as your balance increases, we're gonna have a tier structure.","start":1000.55,"end":1004.89,"sentiment":"neutral","sentiment_score":0.14926350976412112},{"text":"Right now, we're keeping you on the same fee that you're on at the moment.","start":1005.02997,"end":1008.15,"sentiment":"neutral","sentiment_score":0.10251519034306208},{"text":"But as of next year, it will sort of change where when you get to a balance of 200,000, which yours is over, the tiered structure will come into place.","start":1008.15,"end":1018.145,"sentiment":"neutral","sentiment_score":0.0797647496064504},{"text":"So as your balance hits a different tier, the fee will actually decrease.","start":1018.145,"end":1022.805,"sentiment":"neutral","sentiment_score":0.09382116737274024},{"text":"Does that make sense?","start":1023.32,"end":1024.38,"sentiment":"neutral","sentiment_score":0.06948189344257116}],"sentiment":"neutral","sentiment_score":0.09824931626518567,"num_words":75,"start":1000.55,"end":1024.38},{"sentences":[{"text":"Yeah.","start":1025.88,"end":1026.38,"sentiment":"neutral","sentiment_score":0.17167598009109497},{"text":"That will come into play next year.","start":1026.52,"end":1028.54,"sentiment":"neutral","sentiment_score":0.20123790204524994},{"text":"This is your ongoing service fee is at the same as it has always been for this year just because we've obviously, you know, already put that into place there for you, but I'll go through that in a lot more detail down the track.","start":1028.76,"end":1039.7051,"sentiment":"neutral","sentiment_score":0.1819024716814359},{"text":"But part of the ongoing service fee is just making sure that we're providing advice and updating advice to make sure you stay on track towards meeting your goals.","start":1039.7051,"end":1047.805,"sentiment":"neutral","sentiment_score":0.2698057868742737},{"text":"All of that ongoing advice documents are included in the ongoing service fee as well, so we don't charge implementation fees for additional advice around Super as well.","start":1048.265,"end":1057.62,"sentiment":"neutral","sentiment_score":0.13353166276855127}],"sentiment":"neutral","sentiment_score":0.19390188088132576,"num_words":110,"start":1025.88,"end":1057.62},{"sentences":[{"text":"Okay?","start":1057.62,"end":1057.94,"sentiment":"neutral","sentiment_score":0.09742981940507887},{"text":"It's all incorporated into our services there.","start":1057.94,"end":1061.16,"sentiment":"neutral","sentiment_score":0.11269964490618024},{"text":"The other thing is the contribution.","start":1062.74,"end":1064.28,"sentiment":"neutral","sentiment_score":0.12235164393981297},{"text":"So I have had a look.","start":1064.58,"end":1066.365,"sentiment":"neutral","sentiment_score":0.12462563688556354},{"text":"I'm making a recommendation that you do increase your contributions and start salary sacrificing about $50 per week in the super.","start":1066.365,"end":1073.185,"sentiment":"neutral","sentiment_score":0.25598658550353276}],"sentiment":"neutral","sentiment_score":0.1888758369335314,"num_words":41,"start":1057.62,"end":1073.185},{"sentences":[{"text":"By starting that now, you can increase your super and have a much greater effect.","start":1073.725,"end":1078.865,"sentiment":"positive","sentiment_score":0.6208166380723318},{"text":"Essentially, starting that now means that you're putting more higher amounts or more money into super on a regular basis for the compounding effect, which over the course of time towards your retirement goals, and '60, '65, or '67 can definitely put you into a greater place there.","start":1079.38,"end":1094.4199,"sentiment":"positive","sentiment_score":0.4601525378723939},{"text":"So I did make a recommendation that you do start salary sacrificing $50 per week.","start":1094.4199,"end":1099.835,"sentiment":"neutral","sentiment_score":0.26882597108682},{"text":"We'll start small.","start":1099.835,"end":1100.975,"sentiment":"neutral","sentiment_score":0.21240638196468353},{"text":"And then as your comfort level changes, as you sort of have a bit more money or expendable income or maybe comfortable increasing that down the track, then we can always review and increase that salary sacrifice recommendation further forward.","start":1101.2749,"end":1113.8799,"sentiment":"neutral","sentiment_score":0.20247934218496083}],"sentiment":"positive","sentiment_score":0.36502771726078237,"num_words":121,"start":1073.725,"end":1113.8799},{"sentences":[{"text":"Does that make sense?","start":1113.8799,"end":1115.0199,"sentiment":"neutral","sentiment_score":0.14254001341760159},{"text":"Yep.","start":1116.0399,"end":1116.5199,"sentiment":"neutral","sentiment_score":0.29256415367126465},{"text":"Beautiful.","start":1116.5199,"end":1117.0199,"sentiment":"positive","sentiment_score":0.5880144238471985},{"text":"The other really important thing is the in the investment portfolio and essentially the returns.","start":1117.48,"end":1122.2999,"sentiment":"neutral","sentiment_score":0.2730591009060542},{"text":"So when I looked at your current portfolio and how that has averaged over the past five years, it's averaged about 6.31%.","start":1122.465,"end":1129.985,"sentiment":"neutral","sentiment_score":0.25679188628088345}],"sentiment":"neutral","sentiment_score":0.2603731777432353,"num_words":43,"start":1113.8799,"end":1129.985},{"sentences":[{"text":"So keeping you in that growth environment, the newer portfolio has averaged 11.39% over the past five years.","start":1129.985,"end":1136.865,"sentiment":"positive","sentiment_score":0.41067714989185333},{"text":"So this newer portfolio is cheaper, not causing any capital gains consequences for your super fund and has shown a greater level of performance.","start":1136.865,"end":1145.4299,"sentiment":"positive","sentiment_score":0.4881995419661204},{"text":"And then that coupled with increasing and adding some salary sacrifice in there, if you look down at the projection table below, you can actually see it should put you in a much greater position.","start":1145.97,"end":1156.345,"sentiment":"positive","sentiment_score":0.5583500964300973},{"text":"So this is a projection based on all the factors above, noting that if the market can perform and if the portfolio can obtain what it has over the past five years with all the other factors included over the next five to ten years, you can sort of see where you should be based on the recommended changes.","start":1156.4049,"end":1173.02,"sentiment":"positive","sentiment_score":0.37362313068519204},{"text":"Does that make sense?","start":1173.16,"end":1174.2201,"sentiment":"neutral","sentiment_score":0.2182498537003994}],"sentiment":"positive","sentiment_score":0.43977139432515416,"num_words":140,"start":1129.985,"end":1174.2201},{"sentences":[{"text":"Yeah.","start":1175.64,"end":1176.04,"sentiment":"neutral","sentiment_score":0.06789497286081314},{"text":"It'd be great to see in about five years for you to have anywhere over 6 to 700,000 in steeper, and over the next ten years to end up with a little bit more there.","start":1176.04,"end":1185.295,"sentiment":"positive","sentiment_score":0.49577839715140204},{"text":"So I'd love to see how things grow, and, obviously, I'll keep reviewing things with you on a regular basis to make sure they are working harder.","start":1185.295,"end":1192.835,"sentiment":"positive","sentiment_score":0.4846003508126294},{"text":"I do like to make sure we're aware projection tables are just projections, so markets could definitely have an effect.","start":1193.41,"end":1199.59,"sentiment":"neutral","sentiment_score":0.22097482532262802},{"text":"And there's no guarantee that you're gonna get 11.39%.","start":1199.89,"end":1203.33,"sentiment":"neutral","sentiment_score":0.14663067625628579}],"sentiment":"positive","sentiment_score":0.39395131454195664,"num_words":92,"start":1175.64,"end":1203.33},{"sentences":[{"text":"We know some years, it might be 20%.","start":1203.33,"end":1205.41,"sentiment":"neutral","sentiment_score":0.08025508280843496},{"text":"Some years, it might be a negative percent.","start":1205.41,"end":1207.25,"sentiment":"neutral","sentiment_score":0.06091035855934024},{"text":"We might get 2%, and we might get a 7% there as well.","start":1207.25,"end":1210.705,"sentiment":"neutral","sentiment_score":0.12629946894370592},{"text":"So it's just about looking at past data and projecting where you could be.","start":1210.705,"end":1214.865,"sentiment":"neutral","sentiment_score":0.23591249116829463},{"text":"But this newer portfolio taking into all accounts can put you in a much greater position moving forward, which is what I wanted see.","start":1214.865,"end":1221.95,"sentiment":"positive","sentiment_score":0.4912064162393411}],"sentiment":"neutral","sentiment_score":0.2666111267658312,"num_words":67,"start":1203.33,"end":1221.95},{"sentences":[{"text":"Okay?","start":1222.01,"end":1222.51,"sentiment":"neutral","sentiment_score":0.11540460586547852},{"text":"Beautiful.","start":1224.6499,"end":1225.1499,"sentiment":"neutral","sentiment_score":0.287686288356781},{"text":"Do you have any questions?","start":1225.2899,"end":1226.4099,"sentiment":"neutral","sentiment_score":0.10786479860544204},{"text":"I'm so sorry.","start":1226.4099,"end":1227.0499,"sentiment":"neutral","sentiment_score":-0.0830150842666626},{"text":"I'm like this crazy super lady who just loves talking about random stuff.","start":1227.0499,"end":1230.59,"sentiment":"neutral","sentiment_score":-0.09200611423987609}],"sentiment":"neutral","sentiment_score":-0.02185695002908292,"num_words":23,"start":1222.01,"end":1230.59},{"sentences":[{"text":"Is there anything that you you wanted to sort of ask me at all, John, there at all?","start":1230.97,"end":1234.99,"sentiment":"neutral","sentiment_score":-0.09522114445765813},{"text":"No.","start":1236.4049,"end":1236.9049,"sentiment":"neutral","sentiment_score":-0.12535154819488523},{"text":"Fantastic.","start":1237.7649,"end":1238.2649,"sentiment":"positive","sentiment_score":0.42246872186660767},{"text":"Excellent.","start":1238.6449,"end":1239.1449,"sentiment":"positive","sentiment_score":0.4454982280731201},{"text":"The next couple of pages down, just sort of note that we are recommending the salary sacrifice option starting with $50 a week.","start":1240.005,"end":1246.4049,"sentiment":"neutral","sentiment_score":0.1814286342781523}],"sentiment":"neutral","sentiment_score":0.07276121340692043,"num_words":44,"start":1230.97,"end":1246.4049},{"sentences":[{"text":"When we spoke last time, it was more in your comfort level.","start":1246.4049,"end":1249.2849,"sentiment":"neutral","sentiment_score":0.20426559199889502},{"text":"So starting smaller and building that compounding effect over time, starting now is gonna have a much greater effect on your super rather than starting in five or ten years down the track.","start":1249.2849,"end":1259.7101,"sentiment":"positive","sentiment_score":0.4048363092270764},{"text":"So, I'd like to start that now for you and keep reviewing that as time goes on.","start":1259.7101,"end":1264.605,"sentiment":"neutral","sentiment_score":0.32431069016456604},{"text":"The other advantage of starting smaller is that life is expensive.","start":1264.6849,"end":1268.065,"sentiment":"neutral","sentiment_score":0.30868562107736414},{"text":"There's no you know, cost of groceries is phenomenal just on its own these days.","start":1268.285,"end":1273.485,"sentiment":"positive","sentiment_score":0.4235206703344981}],"sentiment":"positive","sentiment_score":0.35309566963802685,"num_words":88,"start":1246.4049,"end":1273.485},{"sentences":[{"text":"So starting with something smaller, because it does have an effect on your take home pay, can essentially mean you can get used to the difference in your income, and then we can build on that salary sacrifice down the track for you if that makes sense.","start":1273.485,"end":1286.15,"sentiment":"positive","sentiment_score":0.36565833839964357},{"text":"Okay?","start":1286.15,"end":1286.65,"sentiment":"neutral","sentiment_score":0.1126384139060974},{"text":"Excellent.","start":1288.0701,"end":1288.5701,"sentiment":"positive","sentiment_score":0.7660485506057739},{"text":"The advantages of salary sacrifice are, obviously, that you are putting more money into super, and it does have an effect on your taxes.","start":1289.35,"end":1297.005,"sentiment":"positive","sentiment_score":0.5861723323663076},{"text":"Salary sacrifice is a pretax deduction from your income, so it does help to reduce your tax paid on your income as well.","start":1297.005,"end":1304.445,"sentiment":"positive","sentiment_score":0.5541483850582786}],"sentiment":"positive","sentiment_score":0.46748101773361367,"num_words":96,"start":1273.485,"end":1304.445},{"sentences":[{"text":"We'll see at $50.","start":1304.445,"end":1305.645,"sentiment":"positive","sentiment_score":0.33944711089134216},{"text":"It would be very minimum to start with.","start":1305.645,"end":1307.73,"sentiment":"positive","sentiment_score":0.35443492233753204},{"text":"But, I mean, look, any tax saving, you pay way too much tax.","start":1308.13,"end":1311.33,"sentiment":"neutral","sentiment_score":0.09920033812522888},{"text":"We all do.","start":1311.33,"end":1312.0499,"sentiment":"positive","sentiment_score":0.3482590715090434},{"text":"So any tax saving you can make on your income is only a benefit to you at the end of the day.","start":1312.0499,"end":1316.79,"sentiment":"positive","sentiment_score":0.40416495366529986}],"sentiment":"neutral","sentiment_score":0.30838556826114655,"num_words":50,"start":1304.445,"end":1316.79},{"sentences":[{"text":"Excellent.","start":1318.37,"end":1318.85,"sentiment":"positive","sentiment_score":0.6717597246170044},{"text":"And then the last part there is just making sure your beneficiary nominations are set up.","start":1318.85,"end":1323.495,"sentiment":"neutral","sentiment_score":0.315159697085619},{"text":"This is on page number 25 there for you.","start":1324.055,"end":1327.015,"sentiment":"neutral","sentiment_score":0.2114090687698788},{"text":"So I'll get my team to make sure the beneficiary nominations are sent out, that we do pre fill the form for you, making sure that a 100% of your benefit is paid to Kylie in the event that something occurs.","start":1327.015,"end":1338.155,"sentiment":"positive","sentiment_score":0.33649689540630434},{"text":"I've got her noted as your spouse, and we look to doing a binding non lapsing nomination so that we put that in place now, and then you and I review that moving forward and make changes if and when they ever needed to down the track.","start":1338.63,"end":1350.09,"sentiment":"neutral","sentiment_score":0.25629384181600934}],"sentiment":"neutral","sentiment_score":0.2935015769642696,"num_words":114,"start":1318.37,"end":1350.09},{"sentences":[{"text":"Okay?","start":1350.23,"end":1350.73,"sentiment":"neutral","sentiment_score":0.1981730759143829},{"text":"Beautiful.","start":1352.7749,"end":1353.2749,"sentiment":"positive","sentiment_score":0.6320934295654297},{"text":"That is essentially the base of the recommendations.","start":1353.495,"end":1355.595,"sentiment":"positive","sentiment_score":0.4596188813447952},{"text":"The only other last part is just making sure you do speak to a solicitor to have your will and power of attorney drawn up.","start":1355.975,"end":1362.1549,"sentiment":"neutral","sentiment_score":0.1412016472220421},{"text":"My team can always send you some additional information if you would like to, but it is definitely important your super beneficiaries look after your super.","start":1362.615,"end":1370.42,"sentiment":"neutral","sentiment_score":0.27196041723856557}],"sentiment":"neutral","sentiment_score":0.2476758948359333,"num_words":61,"start":1350.23,"end":1370.42},{"sentences":[{"text":"But then everything else that you've got, your home, your contents, your cars, your savings accounts, everything else that you've worked just as hard for should also be protected.","start":1370.64,"end":1379.335,"sentiment":"neutral","sentiment_score":0.30117580705675584},{"text":"And that is all done as part of your estate planning through setting up a will and a power of attorney to make sure that if anything happens to you, that you have someone that you've nominated to make decisions on your behalf and that that person knows how you would like them to act on your behalf in the event that something occurs to you.","start":1379.335,"end":1397.37,"sentiment":"neutral","sentiment_score":0.3134494816715067},{"text":"Okay.","start":1397.4299,"end":1397.9299,"sentiment":"neutral","sentiment_score":0.22881421446800232},{"text":"Beautiful.","start":1399.59,"end":1400.09,"sentiment":"neutral","sentiment_score":0.034034617245197296},{"text":"Essentially, if you decide to take on the recommendations, the way this will work is we'll start by making the super switch first.","start":1400.87,"end":1407.27,"sentiment":"neutral","sentiment_score":0.04989044692205346}],"sentiment":"neutral","sentiment_score":0.2569341108823816,"num_words":120,"start":1370.64,"end":1407.27},{"sentences":[{"text":"We'll switch the investments.","start":1407.27,"end":1408.455,"sentiment":"neutral","sentiment_score":0.06350512709468603},{"text":"You'll probably get a notification or two to let you know that we're making those changes in the back end, and then my team can provide the salary sacrifice letter to you for you to hand to your employer to have that change made when you're ready to do so.","start":1408.455,"end":1421.195,"sentiment":"neutral","sentiment_score":0.1052406308054924},{"text":"We'll review that on a regular basis.","start":1421.2999,"end":1423.14,"sentiment":"neutral","sentiment_score":0.1062911834035601},{"text":"My team will pre fill beneficiaries and have those sent out, and then we can always refer you to our solicitor if you require those require that down the track to your estate planning side of things as well.","start":1423.14,"end":1434.0399,"sentiment":"neutral","sentiment_score":0.10516897512552066},{"text":"Okay?","start":1434.26,"end":1434.76,"sentiment":"neutral","sentiment_score":0.09103623032569884}],"sentiment":"neutral","sentiment_score":0.10349224349207217,"num_words":101,"start":1407.27,"end":1434.76},{"sentences":[{"text":"Excellent.","start":1436.6449,"end":1437.0449,"sentiment":"positive","sentiment_score":0.500835657119751},{"text":"Like, that is essentially all the recommendations there.","start":1437.0449,"end":1440.105,"sentiment":"positive","sentiment_score":0.39728474617004395},{"text":"I try to make it as easy as possible.","start":1440.245,"end":1441.9249,"sentiment":"positive","sentiment_score":0.43170710735850865},{"text":"You do have a chance to go back and have a read to the document prior.","start":1441.9249,"end":1445.385,"sentiment":"neutral","sentiment_score":0.23899635672569275},{"text":"I do have all the recommendations outlined on each of the pages there with the advantages, disadvantages, risks involved, and any alternatives that I've considered as part of the research there for you as well.","start":1445.845,"end":1456.62,"sentiment":"neutral","sentiment_score":0.20396828651428223}],"sentiment":"neutral","sentiment_score":0.26851172939590784,"num_words":69,"start":1436.6449,"end":1456.62},{"sentences":[{"text":"And depending on how much you enjoy reading, I've also got the product disclosure statements attached to the email for you as well for hub twenty four and our financial services guide, which has been updated as well.","start":1457.16,"end":1468.905,"sentiment":"neutral","sentiment_score":0.18040435996494794},{"text":"Okay?","start":1468.965,"end":1469.465,"sentiment":"neutral","sentiment_score":0.10237526893615724},{"text":"Beautiful.","start":1470.565,"end":1471.065,"sentiment":"positive","sentiment_score":0.429612398147583},{"text":"If you're happy once you're read through, if you're happy to take the recommendations, we'll just ask that you sign and return the document back.","start":1471.685,"end":1478.25,"sentiment":"neutral","sentiment_score":0.24967536747455596},{"text":"If there is any part of the recommendations that you choose not to take on board, on the last page, we do have a box.","start":1478.65,"end":1485.93,"sentiment":"neutral","sentiment_score":-0.02586948812007904}],"sentiment":"neutral","sentiment_score":0.14425000366237428,"num_words":90,"start":1457.16,"end":1485.93},{"sentences":[{"text":"It's called multiline, I'm pretty sure.","start":1485.93,"end":1488.43,"sentiment":"neutral","sentiment_score":0.05715756552914778},{"text":"And, essentially, you just make a note in there if there's a section of the advice that you're choosing not to take on board, essentially.","start":1489.21,"end":1494.625,"sentiment":"neutral","sentiment_score":-0.025322036296129228},{"text":"Okay.","start":1494.625,"end":1495.125,"sentiment":"neutral","sentiment_score":0.06782381981611252},{"text":"Easy.","start":1497.1849,"end":1497.6849,"sentiment":"neutral","sentiment_score":0.1779203712940216},{"text":"Do you have any questions?","start":1497.905,"end":1499.105,"sentiment":"neutral","sentiment_score":0.0868428811430931}],"sentiment":"neutral","sentiment_score":0.010259291647296203,"num_words":38,"start":1485.93,"end":1499.105},{"sentences":[{"text":"Does anything kinda come up flagged that you wanted to ask me or break down any further for you?","start":1499.105,"end":1504.405,"sentiment":"neutral","sentiment_score":0.003417315745824262},{"text":"No.","start":1507.12,"end":1507.44,"sentiment":"neutral","sentiment_score":0.02246156707406044},{"text":"That's okay.","start":1507.44,"end":1508.24,"sentiment":"neutral","sentiment_score":0.13901329785585403},{"text":"Thank you so much.","start":1508.24,"end":1509.2,"sentiment":"positive","sentiment_score":0.42882250249385834},{"text":"Well, I will let you go.","start":1509.2,"end":1510.4,"sentiment":"neutral","sentiment_score":0.12650423124432564}],"sentiment":"neutral","sentiment_score":0.08874164248118177,"num_words":32,"start":1499.105,"end":1510.4},{"sentences":[{"text":"I really appreciate your time this afternoon.","start":1510.4,"end":1512.48,"sentiment":"positive","sentiment_score":0.8562850100653512},{"text":"I thank you for allowing me to put this research together for you.","start":1512.48,"end":1515.76,"sentiment":"positive","sentiment_score":0.8295155671926645},{"text":"Really enjoyed putting this together.","start":1515.76,"end":1517.86,"sentiment":"positive","sentiment_score":0.8657336831092834},{"text":"I'll let you go back and have some time to read it through.","start":1518.5599,"end":1520.64,"sentiment":"positive","sentiment_score":0.5392927733751444},{"text":"And if once you're happy, if you wanna the recommendations on, I'll get you to sign and return that back for us.","start":1520.64,"end":1525.495,"sentiment":"positive","sentiment_score":0.36501621387221594}],"sentiment":"positive","sentiment_score":0.602458810309569,"num_words":60,"start":1510.4,"end":1525.495},{"sentences":[{"text":"Okay?","start":1525.495,"end":1525.995,"sentiment":"neutral","sentiment_score":0.16624456644058228},{"text":"My pleasure, John.","start":1528.215,"end":1529.1749,"sentiment":"positive","sentiment_score":0.8256673812866211},{"text":"You have a lovely evening.","start":1529.1749,"end":1530.635,"sentiment":"positive","sentiment_score":0.8457133531570434},{"text":"Thanks so much.","start":1533.4569,"end":1534.257,"sentiment":"positive","sentiment_score":0.7204529643058777},{"text":"I'll talk to you soon.","start":1534.257,"end":1535.2969,"sentiment":"positive","sentiment_score":0.45302882194519045}],"sentiment":"positive","sentiment_score":0.6646068516899558,"num_words":17,"start":1525.495,"end":1535.2969},{"sentences":[{"text":"See you later.","start":1535.2969,"end":1536.117,"sentiment":"positive","sentiment_score":0.3897041877110799},{"text":"Bye.","start":1537.5369,"end":1538.0369,"sentiment":"neutral","sentiment_score":-0.12085363268852234}],"sentiment":"neutral","sentiment_score":0.26206473261117935,"num_words":4,"start":1535.2969,"end":1538.0369}]}}]},{"alternatives":[{"transcript":"Hello? I'm not too bad. Thanks, Donna. Donna. Yep. Yeah. I'm doing my fine. Yep. I'll check my spam call this time as well. Not too bad. I'm on nausea, so I've been asleep. Yeah. It's been alright, actually. Yeah. For once. Yeah. Yep. John Brighton Gregory Conder. '6 of the fifth nine seventy nine. I think that was right. And we met a ridge one day at Geraldton. Geraldton is almost up in Port Hedland, so at home. At work, though, it's it's rather warm today, more from what I've seen. Yep. Yeah. I think it's not not in Port Hedland. It it's rather hot and humid up here. So alright. Yes. I have the email. Yep. Yep. I've got it. Okay. No. That still sounds alright. Okay. Yep. I'm happy just focusing on the super at the moment. Yeah. Yep. Okay. Yep. Yep. Okay. Yep. No. No. No. It don't make sense. Yep. Okay. Yep. Yep. Yep. That that was it. Yep. Thank you. Yep. Okay. Yep. Yep. Okay. Yep. Yes. Yep. Yep. Yep. No. Sounds good. No. Not really good. No. Not. It still sounds good. Thanks. Yep. Yep. 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I'm not too bad. Thanks, Donna. Donna. Yep.\n\nYeah. I'm doing my fine. Yep. I'll check my spam call this time as well. Not too bad.\n\nI'm on nausea, so I've been asleep. Yeah. It's been alright, actually. Yeah. For once.\n\nYeah. Yep. John Brighton Gregory Conder. '6 of the fifth nine seventy nine. I think that was right.\n\nAnd we met a ridge one day at Geraldton. Geraldton is almost up in Port Hedland, so at home. At work, though, it's it's rather warm today, more from what I've seen. Yep. Yeah.\n\nI think it's not not in Port Hedland. It it's rather hot and humid up here. So alright. Yes. I have the email.\n\nYep. Yep. I've got it. Okay. No.\n\nThat still sounds alright. Okay. Yep. I'm happy just focusing on the super at the moment. Yeah.\n\nYep. Okay. Yep. Yep. Okay.\n\nYep. No. No. No. It don't make sense.\n\nYep. Okay. Yep. Yep. Yep.\n\nThat that was it. Yep. Thank you. Yep. Okay.\n\nYep. Yep. Okay. Yep. Yes.\n\nYep. Yep. Yep. No. Sounds good.\n\nNo. Not really good. No. Not. It still sounds good.\n\nThanks. Yep. Yep. Yep. Okay.\n\nOkay. Yep. Yep. Okay. Yep.\n\nNot at all. It's good. Thank you very much. Okay. Alrighty.\n\nThank you very much. Thank you. And you too? Alright. Thank you, Diana.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":3.12,"end":3.62,"sentiment":"neutral","sentiment_score":0.027106277644634247},{"text":"I'm not too bad.","start":9.04,"end":9.5199995,"sentiment":"positive","sentiment_score":0.3355000168085098},{"text":"Thanks, Donna.","start":9.5199995,"end":10.32,"sentiment":"positive","sentiment_score":0.6100197732448578},{"text":"Donna.","start":10.32,"end":10.82,"sentiment":"positive","sentiment_score":0.3976132273674011},{"text":"Yep.","start":18.035,"end":18.535,"sentiment":"neutral","sentiment_score":0.1363508552312851}],"sentiment":"positive","sentiment_score":0.347012219329675,"num_words":9,"start":3.12,"end":18.535},{"sentences":[{"text":"Yeah.","start":23.875,"end":24.115,"sentiment":"neutral","sentiment_score":0.12773117423057556},{"text":"I'm doing my 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moment.","start":318.68,"end":321.435,"sentiment":"neutral","sentiment_score":0.0019247818738222123},{"text":"Yeah.","start":336.075,"end":336.575,"sentiment":"neutral","sentiment_score":0.08066713064908981}],"sentiment":"neutral","sentiment_score":-0.0003789004814975402,"num_words":17,"start":222.9,"end":336.575},{"sentences":[{"text":"Yep.","start":336.635,"end":337.135,"sentiment":"neutral","sentiment_score":0.2799111008644104},{"text":"Okay.","start":355.985,"end":356.485,"sentiment":"neutral","sentiment_score":0.20851966738700867},{"text":"Yep.","start":373.98,"end":374.235,"sentiment":"positive","sentiment_score":0.33333688974380493},{"text":"Yep.","start":426.535,"end":427.035,"sentiment":"neutral","sentiment_score":0.02386631071567535},{"text":"Okay.","start":565.41,"end":565.91,"sentiment":"neutral","sentiment_score":0.09931497275829317}],"sentiment":"neutral","sentiment_score":0.1889897882938385,"num_words":5,"start":336.635,"end":565.91},{"sentences":[{"text":"Yep.","start":650.395,"end":650.895,"sentiment":"neutral","sentiment_score":0.1406116783618927},{"text":"No.","start":737.15,"end":737.47003,"sentiment":"neutral","sentiment_score":-0.13924576342105863},{"text":"No.","start":737.47003,"end":737.63,"sentiment":"neutral","sentiment_score":-0.15522488951683044},{"text":"No.","start":737.63,"end":737.79,"sentiment":"neutral","sentiment_score":-0.21865838766098025},{"text":"It don't make sense.","start":737.79,"end":738.85,"sentiment":"neutral","sentiment_score":-0.2098192237317562}],"sentiment":"neutral","sentiment_score":-0.15147428214550018,"num_words":8,"start":650.395,"end":738.85},{"sentences":[{"text":"Yep.","start":810.425,"end":810.81,"sentiment":"neutral","sentiment_score":0.2022869288921356},{"text":"Okay.","start":831.145,"end":831.465,"sentiment":"neutral","sentiment_score":0.08984648436307907},{"text":"Yep.","start":831.465,"end":831.945,"sentiment":"neutral","sentiment_score":0.16715094447135925},{"text":"Yep.","start":831.945,"end":832.445,"sentiment":"neutral","sentiment_score":0.28145459294319153},{"text":"Yep.","start":841.0,"end":841.5,"sentiment":"neutral","sentiment_score":0.27875852584838867}],"sentiment":"neutral","sentiment_score":0.20389949530363083,"num_words":5,"start":810.425,"end":841.5},{"sentences":[{"text":"That that was it.","start":923.365,"end":923.925,"sentiment":"neutral","sentiment_score":0.0013911528512835511},{"text":"Yep.","start":923.925,"end":924.245,"sentiment":"neutral","sentiment_score":0.1813853234052658},{"text":"Thank you.","start":924.245,"end":924.98505,"sentiment":"positive","sentiment_score":0.4734150171279907},{"text":"Yep.","start":982.385,"end":982.885,"sentiment":"neutral","sentiment_score":0.18750113248825073},{"text":"Okay.","start":1024.685,"end":1025.085,"sentiment":"neutral","sentiment_score":0.09324096888303755}],"sentiment":"neutral","sentiment_score":0.15716911893751886,"num_words":9,"start":923.365,"end":1025.085},{"sentences":[{"text":"Yep.","start":1025.085,"end":1025.585,"sentiment":"neutral","sentiment_score":0.1446004956960678},{"text":"Yep.","start":1061.6,"end":1061.84,"sentiment":"neutral","sentiment_score":0.1604473888874054},{"text":"Okay.","start":1061.84,"end":1062.34,"sentiment":"neutral","sentiment_score":0.12719255685806274},{"text":"Yep.","start":1115.26,"end":1115.76,"sentiment":"neutral","sentiment_score":0.1825493574142456},{"text":"Yes.","start":1174.6,"end":1174.875,"sentiment":"neutral","sentiment_score":0.1628176122903824}],"sentiment":"neutral","sentiment_score":0.1555214822292328,"num_words":5,"start":1025.085,"end":1174.875},{"sentences":[{"text":"Yep.","start":1186.155,"end":1186.655,"sentiment":"positive","sentiment_score":0.4328340888023377},{"text":"Yep.","start":1211.625,"end":1211.94,"sentiment":"neutral","sentiment_score":0.2549454867839813},{"text":"Yep.","start":1223.0599,"end":1223.3799,"sentiment":"neutral","sentiment_score":0.04424142464995384},{"text":"No.","start":1223.3799,"end":1223.62,"sentiment":"neutral","sentiment_score":0.06863518059253693},{"text":"Sounds good.","start":1223.62,"end":1224.44,"sentiment":"neutral","sentiment_score":0.22888603061437607}],"sentiment":"neutral","sentiment_score":0.20973804034292698,"num_words":6,"start":1186.155,"end":1224.44},{"sentences":[{"text":"No.","start":1231.0549,"end":1231.2949,"sentiment":"neutral","sentiment_score":-0.0941617488861084},{"text":"Not really good.","start":1231.2949,"end":1232.355,"sentiment":"neutral","sentiment_score":-0.18692192931969961},{"text":"No.","start":1235.2949,"end":1235.695,"sentiment":"neutral","sentiment_score":-0.10095252096652985},{"text":"Not.","start":1235.695,"end":1235.9349,"sentiment":"neutral","sentiment_score":-0.10204210877418518},{"text":"It still sounds good.","start":1235.9349,"end":1236.975,"sentiment":"neutral","sentiment_score":-0.0767827033996582}],"sentiment":"neutral","sentiment_score":-0.11650529801845551,"num_words":10,"start":1231.0549,"end":1236.975},{"sentences":[{"text":"Thanks.","start":1236.975,"end":1237.47,"sentiment":"neutral","sentiment_score":0.16068509221076965},{"text":"Yep.","start":1286.475,"end":1286.76,"sentiment":"positive","sentiment_score":0.4021739363670349},{"text":"Yep.","start":1317.27,"end":1317.77,"sentiment":"positive","sentiment_score":0.49699610471725464},{"text":"Yep.","start":1398.54,"end":1399.04,"sentiment":"neutral","sentiment_score":0.2514447569847107},{"text":"Okay.","start":1435.375,"end":1435.875,"sentiment":"neutral","sentiment_score":0.21294493973255155}],"sentiment":"neutral","sentiment_score":0.3048489660024643,"num_words":5,"start":1236.975,"end":1435.875},{"sentences":[{"text":"Okay.","start":1469.3099,"end":1469.8099,"sentiment":"neutral","sentiment_score":0.11539120972156525},{"text":"Yep.","start":1470.0299,"end":1470.5299,"sentiment":"neutral","sentiment_score":0.22888144850730896},{"text":"Yep.","start":1489.02,"end":1489.52,"sentiment":"neutral","sentiment_score":0.04163508117198944},{"text":"Okay.","start":1495.82,"end":1496.32,"sentiment":"neutral","sentiment_score":0.09051160514354706},{"text":"Yep.","start":1496.46,"end":1496.805,"sentiment":"neutral","sentiment_score":0.13871225714683533}],"sentiment":"neutral","sentiment_score":0.1230263203382492,"num_words":5,"start":1469.3099,"end":1496.805},{"sentences":[{"text":"Not at all.","start":1504.885,"end":1505.6051,"sentiment":"neutral","sentiment_score":-0.09366606051723163},{"text":"It's good.","start":1505.6051,"end":1506.005,"sentiment":"neutral","sentiment_score":0.2597369849681854},{"text":"Thank you very much.","start":1506.005,"end":1506.9851,"sentiment":"positive","sentiment_score":0.4288362041115761},{"text":"Okay.","start":1525.955,"end":1526.355,"sentiment":"neutral","sentiment_score":0.18550299108028412},{"text":"Alrighty.","start":1526.355,"end":1526.835,"sentiment":"positive","sentiment_score":0.4570333659648895}],"sentiment":"neutral","sentiment_score":0.23603245107965035,"num_words":11,"start":1504.885,"end":1526.835},{"sentences":[{"text":"Thank you very much.","start":1526.835,"end":1527.895,"sentiment":"positive","sentiment_score":0.8200091570615768},{"text":"Thank you.","start":1531.395,"end":1532.135,"sentiment":"positive","sentiment_score":0.7616729438304901},{"text":"And you too?","start":1532.195,"end":1533.095,"sentiment":"positive","sentiment_score":0.5103016297022501},{"text":"Alright.","start":1535.7369,"end":1535.9769,"sentiment":"neutral","sentiment_score":0.2575749158859253},{"text":"Thank you, Diana.","start":1535.9769,"end":1536.937,"sentiment":"positive","sentiment_score":0.5928055842717489}],"sentiment":"positive","sentiment_score":0.6438676210550162,"num_words":13,"start":1526.835,"end":1536.937},{"sentences":[{"text":"Bye.","start":1536.937,"end":1537.437,"sentiment":"positive","sentiment_score":0.34950029850006104}],"sentiment":"positive","sentiment_score":0.34950029850006104,"num_words":1,"start":1536.937,"end":1537.437}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, John. This is Dana from Okie Financial. How are you this afternoon?\n\nChannel 1: I'm not too bad. Thanks, Donna. Donna.\n\nChannel 0: That's good. No. You're right. All good. I had you booked in just to run through your updated statement of advice.\n\nIs now still a good time there for you?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Fantastic. Do you have access to your email, sir, at the moment as well?\n\nChannel 1: Yeah. I'm doing my fine. Yep.\n\nChannel 0: Yeah. Fantastic. I'm just gonna email this document through to you there just so you can run through it with me. Hopefully, the Internet works in our favor and it comes through fairly quickly.\n\nChannel 1: I'll check my spam call this time as well.\n\nChannel 0: Yeah. Legend. All good. There we go. I've just pressed send on that one.\n\nHow's your day been so far?\n\nChannel 1: Not too bad. I'm on nausea, so I've been asleep.\n\nChannel 0: Oh, wow. Hope you had a good rest\n\nChannel 1: Yeah. It's\n\nChannel 0: for\n\nChannel 1: been alright, actually.\n\nChannel 0: the\n\nChannel 1: Yeah. For once. Yeah.\n\nChannel 0: day. Oh, that's really good. That's excellent. Just while that is coming through to you, John, there, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Yep. Fantastic. And just do a quick security check there as well just to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: John Brighton Gregory Conder. '6\n\nChannel 0: Yep.\n\nChannel 1: of the fifth nine seventy nine.\n\nChannel 0: Yep.\n\nChannel 1: I think that was\n\nChannel 0: Perfect.\n\nChannel 1: right.\n\nChannel 0: Yeah. You're right. You\n\nChannel 1: And we met\n\nChannel 0: did\n\nChannel 1: a ridge one day at Geraldton.\n\nChannel 0: well. Legend. Thank you so much. And how's the weather over there at the moment? Is it still cold?\n\nChannel 1: Geraldton is almost up in Port Hedland, so at home.\n\nChannel 0: Yeah. Wow.\n\nChannel 1: At work, though, it's it's rather warm today, more from what\n\nChannel 0: Oh,\n\nChannel 1: I've seen.\n\nChannel 0: yeah. Wow. Well, hopefully, the I know in summer, it kinda gets really hot over there. You end up with really cold winters and really hot summers. So, hopefully,\n\nChannel 1: Yep.\n\nChannel 0: the the sun stays out for you.\n\nChannel 1: Yeah.\n\nChannel 0: It's been\n\nChannel 1: I\n\nChannel 0: a bit\n\nChannel 1: think it's not not in Port Hedland. It it's rather hot and humid up here. So\n\nChannel 0: yeah. Wow. The north,\n\nChannel 1: alright. Yes. I have the email.\n\nChannel 0: Fantastic. Excellent. So when you open that one up there, you should see a button that says sign here. If you click that and move on through, it'll take you over to the advice document. I will never ask you to sign anything you haven't read, so we'll go through it before I ask you to sign anything.\n\nOkay.\n\nChannel 1: Yep. Yep. I've got it.\n\nChannel 0: Fantastic. Beautiful. So on the front page, it has statement of advice prepared for yourself as of the 08/11/2026. All of our advice documents are valid for sixty days from the date on the document there, so you do have time to review it prior to taking you onboard any advice provided. And on the bottom of the front page has my authorized representative numbers.\n\nThe advice has been provide provided by myself and my lovely team here. And as a registered adviser with ASIC, my number is 1304394. Okay?\n\nChannel 1: Okay.\n\nChannel 0: If you scroll through the other pages there, we've got the best interest, Judy. So just letting you know that any advice we do provide is to be provided to meet your goals and and the best interest that is all part of the corporations act. On page number three onwards, we have the areas of where we're scoping. So we're looking at areas of superannuation. Your goal when we spoke was to try and retire a little bit earlier than '67 if possible.\n\nYou wanted to draw about a thousand dollars a week in retirement there, and you were comfortable to start looking at maybe making salary sacrifice contributions to sort of build super a little bit faster for you as well. Does that still sound appropriate to your goals? Do you think anything might have changed there currently?\n\nChannel 1: No. That still sounds alright.\n\nChannel 0: Yep. Beautiful. We've also sort of factored in the estate planning side of things, so we wanted to make sure our beneficiary nomination, sorry, is placed on file, making sure that as per your goal, your super is directed a 100% to your spouse in the event that something happens to you. And it is really important that you do review a will and power of attorney and speak to a a qualified solicitor to have those documents prepared and drawn up to protect anything else that you've worked so hard for down the track. So we do scope in the estate planning side to make sure everything is correctly noted there for you as well.\n\nChannel 1: Okay.\n\nChannel 0: Areas on the next page, page number five, what we are scoping out, so not looking at debt currently. You are hoping to pay off the loan before retirement day. You may have meant you were happy just tipping away at that at the moment. If down the track you did wanna look at additional advice, let me know. But for the moment, we've scoped that out just focusing on the superannuation side of things currently.\n\nChannel 1: Yep.\n\nChannel 0: The insurances are scoped out as well. So one of the things that we spoke about in your annual review was you may have mentioned you thought you had some insurances with Macquarie. After the call, you came back, maybe mentioned that you spoke to your wife and checked. You no longer have those insurances. So it does mean at the moment you don't have any life, TPD, income protection, or trauma cover.\n\nI've scoped that out for the time being. Do you feel that you're okay not having those sorts of insurance? Did you wanna sort of come back and reassess the levels of cover and incorporate that to the advice, or are you sort of happy just focusing on super at the moment? What's your thoughts\n\nChannel 1: I'm happy\n\nChannel 0: there?\n\nChannel 1: just focusing on the super at the moment.\n\nChannel 0: Yep. Absolutely. That's okay. If you are sort of thinking about things and you wanna come back and review, you know, a level of cover that you need or talk about more about those insurances, please let me know. I can definitely help you and make sure you are covered as well.\n\nChannel 1: Yeah.\n\nChannel 0: Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. And then other personal investments as well. So you do have your SMG shares there. You are happy just keeping those until retirement. So we've scoped the personal investment side out of the advice as well.\n\nWe can assist you in that area down the track when and if you wanna look at selling or removing those. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Excellent. To make things a little bit easier for you, if you sort of scroll down for me so sorry. To page number 17, I'll take you through the advice, and then you're welcome to definitely go back and read all the other pages ahead just to make things easier on you.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So with your super, I essentially went back and reviewed the superannuation as well as the investments within the super there and had a bit of a look at your portfolio. We had noted that some of the investments within the portfolio have been underperforming a little bit. So we wanted to kinda rejig things. Essentially, portfolios that were built a couple of years ago were built because they were working back then, but every so often, it is important to shake things up a little bit, over the portfolio and sort of make sure things are working as hard as possible for you as markets and trends change within the market environment there.\n\nSo this is essentially showing you what I wanna change with your sofa. Essentially, the newer portfolio means that we are looking to retain physical gold. I do wanna increase your exposure to about 10% there. You're sitting at about 5.40% there at the moment, so we'd be buying a little bit more gold.\n\nChannel 1: Yep.\n\nChannel 0: This portfolio is selling off the silver. Silver has had a bit of a downtime this year. It has been underperforming a little bit, so I do wanna look at removing that out for the time being. And then you've also got your Banna Long concentrated equities fund there. Banna Long has been underperforming in everyone's portfolio.\n\nWe are removing that wholly and replacing the Australian equities portion, so that would be sold completely out for you. The Vanguard diversified index fund, you currently hold 9%. We are removing that as we've kind of worked out a way to hold defensive assets for you, but also keep the portfolio low cost. So this new portfolio removes that investment solely. The cybersecurity portion, at the moment, this year has been a bit up and down there.\n\nWe wanna hold about 5% in the sort of portfolio you're in, and you currently have about 6% there at the moment. So we just wanna sell some of that off, and reinvest the funds elsewhere. So it's just rebalancing the cybersecurity portion of your portfolio back to 5%. Battery and lithium tech has had some great years there. This year, again, hasn't done too badly, but the portfolio that we're moving into provides greater diversification, so we are looking to remove that completely from the portfolio.\n\nAnd then the the Morningstar Global Tech as well. Tech has been a bit up and down this year, so this portfolio is to remove that and invest in tech in other ways to make it ease cheaper for you, but also look at a better performing portfolio. So I'm gonna sell all of that off out of your portfolio. We're going to buy into Europe. This investment, the iShares Europe, is giving you access and exposure to all 16 European countries there.\n\nWe wanna hold about 8% of the portfolio, so we're gonna buy some more of that investment. You've only got about 5% there currently. We've also got the S and P 500. You currently hold 24.50%. We wanna hold about 30%.\n\nThe US market has been a bit up and down, but this investment is still really good to hold. When you think about markets, The US does have a lot of volatility and go up and down, but you do get a lot of growth out of The US market. So holding access to the S and P 500 is still a good place to be invested. So we're gonna buy some more of that investment. Okay?\n\nChannel 1: Okay.\n\nChannel 0: We've got the Asia iShares Asia investment. You currently hold 4% there at the moment because we do hold, You currently hold 4% there at the moment because we do hold the iShares in Europe, and we are increasing the exposure there. We're just selling off the Asia exposure. We can kind of keep that in in amongst the other areas. You've also got the Vanguard Australian fixed interest investment hold about 6% there.\n\nWe found a a a more low cost way to sort of incorporate defensive investments into your portfolio, so we're gonna sell all of that fixed interest investment down. We're gonna buy into the Japanese market. There has been quite a lot happening and trending, especially with what's been happening with China. So high global tensions there, essentially. So Japan is definitely a place of growth.\n\nSo we wanna hold about 5% of Japanese market. And then we've got the Vanguard or World x US investment. So one of the biggest things one of the things we wanna be able to do is diversify your portfolio, not only across different industries and asset classes, but across different countries. And this is giving you access to the or exposure to the entire globe minus The US, and that's because we have the S and P 500 noted above within your portfolio there. So the Vanguard or World ex US investment, we wanna hold 8% off and giving you global exposure, which also helps to reduce your risk level within the portfolio there as well.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: And then we've got the BetaShares Australia 200. So because we are removing the Bennelong Australian equities investment, that investment generally held between 15 to 25 different investments depending on what the investment manager within Bennelong was looking to hold. By selling that underperforming investment, we still wanna hold some Australian equities. So we're buying the beta a 200. This is giving you exposures to the top 200 companies on the ASX.\n\nSo it's actually giving you more diversification, helping to lower your overall risk with your portfolio. It is also essentially a cheaper investment. So Bannalong was more of an actively managed fund, whereas this is more of a passively managed fund. When you think about investments over the longer term, while active managers can outperform the market, they don't always do that and often have years where they absolutely underperform, whereas being invested in a passive portfolio tends to outperform the market as a or outperform active managers as a whole and tends to provide a greater level of return when you remain invested through the ups and downs without trying to time and pick the market there. So having exposure to the Australian market in the a 200 is giving you a passive investment.\n\nSorry. It's also giving you greater diversification, and it's also a cheaper investment. So it's helping to lower the cost of your portfolio as well. Does that make sense? Do you have any questions so far?\n\nChannel 1: No. No. No. It don't make sense.\n\nChannel 0: Excellent. And then the last one on the next page is the core composite bonds. So at the moment, you're in that growth environment. So you generally have 80% invested in those growth assets, and we still wanna have 20% in low risk defensive investments. So keeping core composite bonds is giving you access and exposure to both government and corporate bonds.\n\nBonds are really good as a defensive investment. They pay income, which is paid into your cash account and then reinvested back into your portfolio for compounding as well. So this is helping to lower the overall risk of your portfolio, provide greater diversification, but also a lower cost option to your portfolio. And these investments have shown over the past five years. They've had a greater level of of returns and which can, you know, in the future, provide a greater level of future performance depending on market conditions there.\n\nSo these are the changes that I'm making to your portfolio. Obviously, anything in the red is what we're gonna be selling down. Anything in the green is what we're gonna be purchasing. And then the very last target column essentially shows you at the end of those changes what you should end up with and how much you should have invested in each of those investments, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. On the next page there, you'll also see your cash account. At the moment, you've got a bit over 2% cash there. We only wanna hold about 1.25% cash, so we wanna buy about $3,716 into investments. So we're gonna take a bit of cash and reinvest that for you as well.\n\nOkay?\n\nChannel 1: Okay. Yep. Yep.\n\nChannel 0: Beautiful. If you scroll down to page number 20, I can actually show you the main reason for me making these recommendations for you.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So this is your fee comparison table. Essentially, the first column shows your current balance within hub twenty four. So I did look at all the other super funds as well as hub twenty four and noted that, realistically, this was the best option to stay and remain within hub twenty four. Then I had a look by by, say, if we were to sell all of your portfolio down and move you to another platform, we would have triggered CGT inside super as a bit of a $5,533 there.\n\nSo by retaining HUB 24 and just making the changes to your portfolio, we can limit the CGT costs for you. And if you have a look at the differences column there, the balance between the current portfolio and the recommended, there's no difference there. So these changes that I recommend that we make above actually don't have any tax consequences for your super. There's no CDT for that unlike sort of a bit like yourself. Your super fund does a tax return every year, so they do pay income tax and CDT tax when investments are purchased and sold in the back end.\n\nSo I was able to go back and have a look at trying to move your portfolio around, rebalance things, and make changes to your portfolio, but make it so your super fund has no tax consequences within the funds. So it has less of an effect on your super balance. Does that make sense?\n\nChannel 1: That that was it. Yep. Thank you.\n\nChannel 0: Yeah. That's okay. All good. Within the current scenario and the recommended column there, you'll see there's no change to the administration fees. That is because we are keeping hub 24.\n\nThere's been no real differences. There's no real need to change the investment platform that your super is in at the moment. It's just about making sure that your portfolio is working harder for you. I always sort of say to people, you know, super fund that you're in is essentially the vehicle. It's a bit like your car.\n\nWhat really makes your car run is the fuel, and that's essentially the investments and the contributions that are made to the funds. So keeping how 24 is still suited. The investment fee, you'll see a bit of a difference there. So by moving into the newer portfolio, we're actually saving you for the first year $1,952 in investment fees. So this portfolio was actually a lot cheaper than your current portfolio, which is really good.\n\nThat's more money sitting in your super working harder for you at the end of the day there as well.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. There's also the ongoing service fee. So we do charge an ongoing service fee for our services. It's 1.65% there. That obviously does factor in growth, so we do see that grow by a little over $200 per year.\n\nOur ongoing service fee moving forward will change as well. So as you as your balance increases, we're gonna have a tier structure. Right now, we're keeping you on the same fee that you're on at the moment. But as of next year, it will sort of change where when you get to a balance of 200,000, which yours is over, the tiered structure will come into place. So as your balance hits a different tier, the fee will actually decrease.\n\nDoes that make sense?\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yeah. That will come into play next year. This is your ongoing service fee is at the same as it has always been for this year just because we've obviously, you know, already put that into place there for you, but I'll go through that in a lot more detail down the track. But part of the ongoing service fee is just making sure that we're providing advice and updating advice to make sure you stay on track towards meeting your goals. All of that ongoing advice documents are included in the ongoing service fee as well, so we don't charge implementation fees for additional advice around Super as well.\n\nOkay? It's all incorporated into our services there.\n\nChannel 1: Yep. Okay.\n\nChannel 0: The other thing is the contribution. So I have had a look. I'm making a recommendation that you do increase your contributions and start salary sacrificing about $50 per week in the super. By starting that now, you can increase your super and have a much greater effect. Essentially, starting that now means that you're putting more higher amounts or more money into super on a regular basis for the compounding effect, which over the course of time towards your retirement goals, and '60, '65, or '67 can definitely put you into a greater place there.\n\nSo I did make a recommendation that you do start salary sacrificing $50 per week. We'll start small. And then as your comfort level changes, as you sort of have a bit more money or expendable income or maybe comfortable increasing that down the track, then we can always review and increase that salary sacrifice recommendation further forward. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. The other really important thing is the in the investment portfolio and essentially the returns. So when I looked at your current portfolio and how that has averaged over the past five years, it's averaged about 6.31%. So keeping you in that growth environment, the newer portfolio has averaged 11.39% over the past five years.\n\nSo this newer portfolio is cheaper, not causing any capital gains consequences for your super fund and has shown a greater level of performance. And then that coupled with increasing and adding some salary sacrifice in there, if you look down at the projection table below, you can actually see it should put you in a much greater position. So this is a projection based on all the factors above, noting that if the market can perform and if the portfolio can obtain what it has over the past five years with all the other factors included over the next five to ten years, you can sort of see where you should be based on the recommended changes. Does that make sense?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. It'd be great to see in about five years for you to have anywhere over 6 to 700,000 in steeper, and over the next ten years to end up with a little bit more there. So I'd\n\nChannel 1: Yep.\n\nChannel 0: love to see how things grow, and, obviously, I'll keep reviewing things with you on a regular basis to make sure they are working harder. I do like to make sure we're aware projection tables are just projections, so markets could definitely have an effect. And there's no guarantee that you're gonna get 11.39%. We know some years, it might be 20%. Some years, it might be a negative percent.\n\nWe might get 2%, and we might get a 7% there as well. So it's just\n\nChannel 1: Yep.\n\nChannel 0: about looking at past data and projecting where you could be. But this newer portfolio taking into all accounts can put you in a much greater position moving forward, which is what I wanted see. Okay?\n\nChannel 1: Yep. No. Sounds good.\n\nChannel 0: Beautiful. Do you have any questions? I'm so sorry. I'm like this crazy super lady who just loves talking about random stuff. Is\n\nChannel 1: No.\n\nChannel 0: there\n\nChannel 1: Not\n\nChannel 0: anything that\n\nChannel 1: really\n\nChannel 0: you\n\nChannel 1: good.\n\nChannel 0: you wanted to sort of ask me at all, John, there at all?\n\nChannel 1: No. Not. It still sounds\n\nChannel 0: No.\n\nChannel 1: good. Thanks.\n\nChannel 0: Fantastic. Excellent. The next couple of pages down, just sort of note that we are recommending the salary sacrifice option starting with $50 a week. When we spoke last time, it was more in your comfort level. So starting smaller and building that compounding effect over time, starting now is gonna have a much greater effect on your super rather than starting in five or ten years down the track.\n\nSo, I'd like to start that now for you and keep reviewing that as time goes on. The other advantage of starting smaller is that life is expensive. There's no you know, cost of groceries is phenomenal just on its own these days. So starting with something smaller, because it does have an effect on your take home pay, can essentially mean you can get used to the difference in your income, and then we can build on that salary sacrifice down the track for you if that makes sense. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. The advantages of salary sacrifice are, obviously, that you are putting more money into super, and it does have an effect on your taxes. Salary sacrifice is a pretax deduction from your income, so it does help to reduce your tax paid on your income as well. We'll see at $50. It would be very minimum to start with.\n\nBut, I mean, look, any tax saving, you pay way too much tax. We all do. So any tax saving you can make on your income is only a benefit to you at the end of the day.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. And then the last part there is just making sure your beneficiary nominations are set up. This is on page number 25 there for you. So I'll get my team to make sure the beneficiary nominations are sent out, that we do pre fill the form for you, making sure that a 100% of your benefit is paid to Kylie in the event that something occurs. I've got her noted as your spouse, and we look to doing a binding non lapsing nomination so that we put that in place now, and then you and I review that moving forward and make changes if and when they ever needed to down the track.\n\nOkay? Beautiful. That is essentially the base of the recommendations. The only other last part is just making sure you do speak to a solicitor to have your will and power of attorney drawn up. My team can always send you some additional information if you would like to, but it is definitely important your super beneficiaries look after your super.\n\nBut then everything else that you've got, your home, your contents, your cars, your savings accounts, everything else that you've worked just as hard for should also be protected. And that is all done as part of your estate planning through setting up a will and a power of attorney to make sure that if anything happens to you, that you have someone that you've nominated to make decisions on your behalf and that that person knows how you would like them to act on your behalf in the event that something occurs to you. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Essentially, if you decide to take on the recommendations, the way this will work is we'll start by making the super switch first. We'll switch the investments. You'll probably get a notification or two to let you know that we're making those changes in the back end, and then my team can provide the salary sacrifice letter to you for you to hand to your employer to have that change made when you're ready to do so. We'll review that on a regular basis.\n\nMy team will pre fill beneficiaries and have those sent out, and then we can always refer you to our solicitor if you require those require that down the track to your estate planning side of things as well. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Excellent. Like, that is essentially all the recommendations there. I try to make it as easy as possible. You do have a chance to go back and have a read to the document prior. I do have all the recommendations outlined on each of the pages there with the advantages, disadvantages, risks involved, and any alternatives that I've considered as part of the research there for you as well.\n\nAnd depending on how much you enjoy reading, I've also got the product disclosure statements attached to the email for you as well for hub twenty four and our financial services guide, which has been updated as well. Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: Beautiful. If you're happy once you're read through, if you're happy to take the recommendations, we'll just ask that you sign and return the document back. If there is any part of the recommendations that you choose not to take on board, on the last page, we do have a box. It's called multiline, I'm pretty sure.\n\nChannel 1: Yep.\n\nChannel 0: And, essentially, you just make a note in there if there's a section of the advice that you're choosing not to take on board, essentially. Okay.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Easy. Do you have any questions? Does anything kinda come up flagged that you wanted to ask me or break down any further for you?\n\nChannel 1: Not at all. It's good. Thank you very much.\n\nChannel 0: No. That's okay. Thank you so much. Well, I will let you go. I really appreciate your time this afternoon.\n\nI thank you for allowing me to put this research together for you. Really enjoyed putting this together. I'll let you go back and have some time to read it through. And if once you're happy, if you wanna the recommendations on, I'll get you to sign and return that back for us. Okay?\n\nChannel 1: Okay. Alrighty. Thank you very much.\n\nChannel 0: My pleasure, John. You have a lovely evening.\n\nChannel 1: Thank you. And you too?\n\nChannel 0: Thanks so much. I'll talk to you soon. See you later.\n\nChannel 1: Alright. Thank you, Diana. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":3.12,"end":3.62,"sentiment":"neutral","sentiment_score":0.027106277644634247}],"sentiment":"neutral","sentiment_score":0.027106277644634247,"channel":1,"num_words":1,"start":3.12,"end":3.62},{"sentences":[{"text":"Hi, John.","start":4.4,"end":5.04,"sentiment":"neutral","sentiment_score":0.1099388487637043},{"text":"This is Dana from Okie Financial.","start":5.04,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.14949002613623938},{"text":"How are you this afternoon?","start":6.96,"end":8.34,"sentiment":"neutral","sentiment_score":0.232613143324852}],"sentiment":"neutral","sentiment_score":0.17537565930531576,"channel":0,"num_words":13,"start":4.4,"end":8.34},{"sentences":[{"text":"I'm not too bad.","start":9.04,"end":9.5199995,"sentiment":"positive","sentiment_score":0.3355000168085098},{"text":"Thanks, Donna.","start":9.5199995,"end":10.32,"sentiment":"positive","sentiment_score":0.6100197732448578},{"text":"Donna.","start":10.32,"end":10.82,"sentiment":"positive","sentiment_score":0.3976132273674011}],"sentiment":"positive","sentiment_score":0.422807548727308,"channel":1,"num_words":7,"start":9.04,"end":10.82},{"sentences":[{"text":"That's good.","start":10.639999,"end":11.44,"sentiment":"positive","sentiment_score":0.5658886432647705},{"text":"No.","start":11.44,"end":11.679999,"sentiment":"neutral","sentiment_score":0.15197408199310303},{"text":"You're right.","start":11.679999,"end":12.16,"sentiment":"neutral","sentiment_score":0.24169881641864777},{"text":"All good.","start":12.16,"end":12.639999,"sentiment":"positive","sentiment_score":0.4826775789260864},{"text":"I had you booked in just to run through your updated statement of 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the moment as well?","start":20.075,"end":23.215,"sentiment":"neutral","sentiment_score":0.18428225471423224}],"sentiment":"neutral","sentiment_score":0.20960848530133566,"channel":0,"num_words":15,"start":18.955,"end":23.215},{"sentences":[{"text":"Yeah.","start":23.875,"end":24.115,"sentiment":"neutral","sentiment_score":0.12773117423057556},{"text":"I'm doing my fine.","start":24.115,"end":24.914999,"sentiment":"neutral","sentiment_score":0.21082137152552605},{"text":"Yep.","start":24.914999,"end":25.11,"sentiment":"neutral","sentiment_score":0.19139745831489563}],"sentiment":"neutral","sentiment_score":0.19373568644126257,"channel":1,"num_words":6,"start":23.875,"end":25.11},{"sentences":[{"text":"Yeah.","start":25.515,"end":25.915,"sentiment":"neutral","sentiment_score":0.3158223628997803},{"text":"Fantastic.","start":25.915,"end":26.415,"sentiment":"positive","sentiment_score":0.5578240156173706},{"text":"I'm just gonna email this document through to you there just so you can run through it with me.","start":26.555,"end":32.93,"sentiment":"positive","sentiment_score":0.3388369177517138},{"text":"Hopefully, the Internet works in our favor and it comes through fairly quickly.","start":33.629997,"end":37.489998,"sentiment":"neutral","sentiment_score":0.3247254616939105}],"sentiment":"positive","sentiment_score":0.3392052593476632,"channel":0,"num_words":34,"start":25.515,"end":37.489998},{"sentences":[{"text":"I'll check my spam call this time as well.","start":38.63,"end":41.05,"sentiment":"neutral","sentiment_score":0.02503589830464787}],"sentiment":"neutral","sentiment_score":0.02503589830464787,"channel":1,"num_words":9,"start":38.63,"end":41.05},{"sentences":[{"text":"Yeah.","start":41.23,"end":41.73,"sentiment":"neutral","sentiment_score":0.07762719690799713},{"text":"Legend.","start":42.03,"end":42.53,"sentiment":"neutral","sentiment_score":0.13900813460350037},{"text":"All good.","start":42.829998,"end":43.57,"sentiment":"neutral","sentiment_score":0.24456605315208435},{"text":"There we go.","start":45.075,"end":45.715,"sentiment":"neutral","sentiment_score":0.19071525832017264},{"text":"I've just pressed send on that one.","start":45.715,"end":47.735,"sentiment":"neutral","sentiment_score":0.10497648268938065}],"sentiment":"neutral","sentiment_score":0.14376775654298918,"channel":0,"num_words":14,"start":41.23,"end":47.735},{"sentences":[{"text":"How's your day been so far?","start":51.635002,"end":53.415,"sentiment":"neutral","sentiment_score":0.11177958423892657}],"sentiment":"neutral","sentiment_score":0.11177958423892657,"channel":0,"num_words":6,"start":51.635002,"end":53.415},{"sentences":[{"text":"Not too bad.","start":54.364998,"end":54.925,"sentiment":"neutral","sentiment_score":-0.06619248539209366},{"text":"I'm on nausea, so I've been 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once.","start":62.440002,"end":62.760002,"sentiment":"neutral","sentiment_score":0.03961600735783577},{"text":"Yeah.","start":62.760002,"end":63.260002,"sentiment":"neutral","sentiment_score":0.07363156229257584}],"sentiment":"neutral","sentiment_score":0.04713631980121136,"channel":1,"num_words":4,"start":62.2,"end":63.260002},{"sentences":[{"text":"day.","start":63.039997,"end":63.12,"sentiment":"neutral","sentiment_score":0.08356162905693054},{"text":"Oh, that's really good.","start":63.12,"end":64.56,"sentiment":"positive","sentiment_score":0.36389540880918503},{"text":"That's excellent.","start":64.56,"end":65.38,"sentiment":"positive","sentiment_score":0.5874408781528473},{"text":"Just while that is coming through to you, John, there, just to let you know, we do record our calls for quality and training purposes.","start":66.159996,"end":71.68,"sentiment":"neutral","sentiment_score":0.16765499264001846},{"text":"Are you happy for me to proceed with that?","start":71.68,"end":74.02,"sentiment":"neutral","sentiment_score":0.19533577230241564}],"sentiment":"neutral","sentiment_score":0.21130297042247725,"channel":0,"num_words":41,"start":63.039997,"end":74.02},{"sentences":[{"text":"Yep.","start":74.615005,"end":75.115005,"sentiment":"neutral","sentiment_score":0.07911957055330276}],"sentiment":"neutral","sentiment_score":0.07911957055330276,"channel":1,"num_words":1,"start":74.615005,"end":75.115005},{"sentences":[{"text":"Yeah.","start":74.88,"end":75.105,"sentiment":"neutral","sentiment_score":0.09798374772071838},{"text":"Yep.","start":75.345,"end":75.665,"sentiment":"neutral","sentiment_score":0.15554773807525635},{"text":"Fantastic.","start":75.665,"end":76.165,"sentiment":"positive","sentiment_score":0.3965188264846802},{"text":"And just do a quick security check there as well just to confirm your full name, your date of birth, and address I should have on 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what","start":105.825,"end":109.585,"sentiment":"neutral","sentiment_score":-0.020833186889913948}],"sentiment":"neutral","sentiment_score":-0.020833186889913948,"channel":1,"num_words":11,"start":105.825,"end":109.585},{"sentences":[{"text":"Oh,","start":109.465004,"end":109.965004,"sentiment":"neutral","sentiment_score":0.0045472243800759315}],"sentiment":"neutral","sentiment_score":0.0045472243800759315,"channel":0,"num_words":1,"start":109.465004,"end":109.965004},{"sentences":[{"text":"I've seen.","start":109.585,"end":110.244995,"sentiment":"neutral","sentiment_score":-0.0012397640384733677}],"sentiment":"neutral","sentiment_score":-0.0012397640384733677,"channel":1,"num_words":2,"start":109.585,"end":110.244995},{"sentences":[{"text":"yeah.","start":110.505005,"end":110.90501,"sentiment":"neutral","sentiment_score":0.01355960126966238},{"text":"Wow.","start":110.90501,"end":111.225006,"sentiment":"neutral","sentiment_score":-0.005411654710769653},{"text":"Well, hopefully, the I know in summer, it kinda gets really hot over there.","start":111.225006,"end":114.505005,"sentiment":"neutral","sentiment_score":-0.04958286987883704},{"text":"You end up with really cold winters and really hot summers.","start":114.505005,"end":117.245,"sentiment":"neutral","sentiment_score":-0.10109423033215782},{"text":"So, hopefully,","start":117.465004,"end":118.205,"sentiment":"neutral","sentiment_score":0.0938483439385891}],"sentiment":"neutral","sentiment_score":-0.05552938198349599,"channel":0,"num_words":29,"start":110.505005,"end":118.205},{"sentences":[{"text":"Yep.","start":117.759995,"end":118.259995,"sentiment":"neutral","sentiment_score":0.14762936532497406}],"sentiment":"neutral","sentiment_score":0.14762936532497406,"channel":1,"num_words":1,"start":117.759995,"end":118.259995},{"sentences":[{"text":"the the sun stays out for 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sign here.","start":132.95,"end":136.69499,"sentiment":"neutral","sentiment_score":0.12004854179480497},{"text":"If you click that and move on through, it'll take you over to the advice document.","start":136.69499,"end":141.115,"sentiment":"neutral","sentiment_score":0.10117263626307249},{"text":"I will never ask you to sign anything you haven't read, so we'll go through it before I ask you to sign 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act.","start":184.51001,"end":191.73001,"sentiment":"neutral","sentiment_score":0.11758774728514254},{"text":"On page number three onwards, we have the areas of where we're scoping.","start":192.59,"end":197.05501,"sentiment":"neutral","sentiment_score":0.0357529790355609},{"text":"So we're looking at areas of superannuation.","start":197.05501,"end":198.835,"sentiment":"neutral","sentiment_score":0.037903636161770136},{"text":"Your goal when we spoke was to try and retire a little bit earlier than '67 if possible.","start":199.855,"end":205.075,"sentiment":"neutral","sentiment_score":0.04039285166396035}],"sentiment":"neutral","sentiment_score":0.0733085260504768,"channel":0,"num_words":84,"start":181.07,"end":205.075},{"sentences":[{"text":"You wanted to draw about a thousand dollars a week in retirement there, and you were comfortable to start looking at maybe making salary sacrifice contributions to sort of build super a little bit faster for you as 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anything else that you've worked so hard for down the track.","start":241.19,"end":252.265,"sentiment":"neutral","sentiment_score":0.17056879141302997},{"text":"So we do scope in the estate planning side to make sure everything is correctly noted there for you as well.","start":252.485,"end":258.905,"sentiment":"neutral","sentiment_score":0.15198608133054914}],"sentiment":"neutral","sentiment_score":0.22622327621351798,"channel":0,"num_words":116,"start":224.455,"end":258.905},{"sentences":[{"text":"Okay.","start":259.32498,"end":259.82498,"sentiment":"neutral","sentiment_score":0.03262616693973541}],"sentiment":"neutral","sentiment_score":0.03262616693973541,"channel":1,"num_words":1,"start":259.32498,"end":259.82498},{"sentences":[{"text":"Areas on the next page, page number five, what we are scoping out, so not looking at debt currently.","start":260.405,"end":265.53,"sentiment":"neutral","sentiment_score":-0.0034653023375492338},{"text":"You are hoping to pay off the loan before retirement day.","start":265.75,"end":268.55002,"sentiment":"neutral","sentiment_score":-0.049913443963636055},{"text":"You may have meant you were happy just tipping away at that at the moment.","start":268.55002,"end":271.61002,"sentiment":"neutral","sentiment_score":-0.05220896862447262},{"text":"If down the track you did wanna look at additional advice, let me know.","start":271.67,"end":274.995,"sentiment":"neutral","sentiment_score":0.006530150372002806},{"text":"But for the moment, we've scoped that out just focusing on the superannuation side of things 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checked.","start":290.93,"end":294.77,"sentiment":"neutral","sentiment_score":-0.048358508851379156},{"text":"You no longer have those insurances.","start":294.77,"end":296.55,"sentiment":"neutral","sentiment_score":-0.14378616337974867},{"text":"So it does mean at the moment you don't have any life, TPD, income protection, or trauma cover.","start":296.77,"end":302.15,"sentiment":"neutral","sentiment_score":-0.12354850934611426}],"sentiment":"neutral","sentiment_score":-0.05426226694085826,"channel":0,"num_words":73,"start":281.79498,"end":302.15},{"sentences":[{"text":"I've scoped that out for the time being.","start":302.86502,"end":305.20502,"sentiment":"neutral","sentiment_score":-0.054035430774092674},{"text":"Do you feel that you're okay not having those sorts of insurance?","start":305.345,"end":308.64502,"sentiment":"neutral","sentiment_score":-0.1646594014018774},{"text":"Did you wanna sort of come back and reassess the levels of cover and incorporate that to the advice, or 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then other personal investments as well.","start":339.145,"end":341.065,"sentiment":"neutral","sentiment_score":0.30808007078511374},{"text":"So you do have your SMG shares there.","start":341.065,"end":343.065,"sentiment":"neutral","sentiment_score":0.2631828337907791},{"text":"You are happy just keeping those until retirement.","start":343.065,"end":345.48502,"sentiment":"positive","sentiment_score":0.40781179815530777},{"text":"So we've scoped the personal investment side out of the advice as well.","start":346.08,"end":349.68,"sentiment":"neutral","sentiment_score":0.12587387200731498}],"sentiment":"neutral","sentiment_score":0.2670048395725521,"channel":0,"num_words":37,"start":337.70502,"end":349.68},{"sentences":[{"text":"We can assist you in that area down the track when and if you wanna look at selling or removing those.","start":349.68,"end":354.74,"sentiment":"neutral","sentiment_score":0.1118589694656077},{"text":"Okay?","start":354.8,"end":355.3,"sentiment":"neutral","sentiment_score":0.0841626226902008}],"sentiment":"neutral","sentiment_score":0.1106000446121801,"channel":0,"num_words":22,"start":349.68,"end":355.3},{"sentences":[{"text":"Okay.","start":355.985,"end":356.485,"sentiment":"neutral","sentiment_score":0.20851966738700867}],"sentiment":"neutral","sentiment_score":0.20851966738700867,"channel":1,"num_words":1,"start":355.985,"end":356.485},{"sentences":[{"text":"Excellent.","start":356.88,"end":357.38,"sentiment":"positive","sentiment_score":0.6029293537139893},{"text":"To make things a little bit easier for you, if you sort of scroll down for me so sorry.","start":358.0,"end":363.36502,"sentiment":"neutral","sentiment_score":0.2942025030129834},{"text":"To page number 17, I'll take you through the advice, and then you're welcome to definitely go back and read all the other pages 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gold.","start":420.715,"end":426.015,"sentiment":"neutral","sentiment_score":0.04206217866804865}],"sentiment":"neutral","sentiment_score":0.05265109247907444,"channel":0,"num_words":54,"start":408.41998,"end":426.015},{"sentences":[{"text":"Yep.","start":426.535,"end":427.035,"sentiment":"neutral","sentiment_score":0.02386631071567535}],"sentiment":"neutral","sentiment_score":0.02386631071567535,"channel":1,"num_words":1,"start":426.535,"end":427.035},{"sentences":[{"text":"This portfolio is selling off the silver.","start":426.635,"end":428.875,"sentiment":"neutral","sentiment_score":-0.16310072796685354},{"text":"Silver has had a bit of a downtime this year.","start":428.875,"end":431.4,"sentiment":"neutral","sentiment_score":-0.26505074054002764},{"text":"It has been underperforming a little bit, so I do wanna look at removing that out for the time being.","start":431.72,"end":436.46,"sentiment":"neutral","sentiment_score":-0.21808209791779518},{"text":"And then you've also got your Banna Long concentrated equities fund there.","start":436.91998,"end":441.1,"sentiment":"neutral","sentiment_score":-0.04942685458809137},{"text":"Banna Long has been underperforming in everyone's portfolio.","start":441.32,"end":444.22,"sentiment":"neutral","sentiment_score":-0.19880547747015953}],"sentiment":"neutral","sentiment_score":-0.1813582549884654,"channel":0,"num_words":57,"start":426.635,"end":444.22},{"sentences":[{"text":"We are removing that wholly and replacing the Australian equities portion, so that would be sold completely out for you.","start":444.36,"end":450.625,"sentiment":"neutral","sentiment_score":-0.07716789748519659},{"text":"The Vanguard diversified index fund, you currently hold 9%.","start":451.245,"end":455.32498,"sentiment":"neutral","sentiment_score":0.0038210702025228077},{"text":"We are removing that as we've kind of worked out a way to hold defensive assets for you, but also keep the portfolio low cost.","start":455.32498,"end":462.59998,"sentiment":"neutral","sentiment_score":0.03982032105326652},{"text":"So this new portfolio removes that investment solely.","start":462.59998,"end":465.81998,"sentiment":"neutral","sentiment_score":-0.05116442870348692},{"text":"The cybersecurity portion, at the moment, this year has been a bit up and down there.","start":467.47998,"end":471.96,"sentiment":"neutral","sentiment_score":-0.1715003396384418}],"sentiment":"neutral","sentiment_score":-0.04701001481272471,"channel":0,"num_words":78,"start":444.36,"end":471.96},{"sentences":[{"text":"We wanna hold about 5% in the sort of portfolio you're in, and you currently have about 6% there at the moment.","start":471.96,"end":478.255,"sentiment":"neutral","sentiment_score":-0.03141484164040197},{"text":"So we just wanna sell some of that off, and reinvest the funds elsewhere.","start":478.255,"end":482.595,"sentiment":"neutral","sentiment_score":-0.021220716514757702},{"text":"So it's just rebalancing the cybersecurity portion of your portfolio back to 5%.","start":482.655,"end":487.475,"sentiment":"neutral","sentiment_score":0.12412590705431424},{"text":"Battery and lithium tech has had some great years there.","start":489.26,"end":491.74002,"sentiment":"neutral","sentiment_score":0.3242317020893097},{"text":"This year, again, hasn't done too badly, but the portfolio that we're moving into provides greater diversification, so we are looking to remove that completely from the portfolio.","start":491.74002,"end":500.48,"sentiment":"neutral","sentiment_score":0.07519343069621495}],"sentiment":"neutral","sentiment_score":0.06865693476779022,"channel":0,"num_words":87,"start":471.96,"end":500.48},{"sentences":[{"text":"And then the the Morningstar Global Tech as well.","start":501.49503,"end":504.535,"sentiment":"neutral","sentiment_score":0.045180417597293854},{"text":"Tech has been a bit up and down this year, so this portfolio is to remove that and invest in tech in other ways to make it ease cheaper for you, but also look at a better performing portfolio.","start":504.535,"end":514.84,"sentiment":"neutral","sentiment_score":0.07602355657861783},{"text":"So I'm gonna sell all of that off out of your portfolio.","start":514.9,"end":517.64,"sentiment":"neutral","sentiment_score":-0.002332790444294611},{"text":"We're going to buy into Europe.","start":518.82,"end":520.76,"sentiment":"neutral","sentiment_score":0.13416380062699318},{"text":"This investment, the iShares Europe, is giving you access and exposure to all 16 European countries there.","start":521.06,"end":527.715,"sentiment":"neutral","sentiment_score":0.21880165619008682}],"sentiment":"neutral","sentiment_score":0.09479710769401975,"channel":0,"num_words":83,"start":501.49503,"end":527.715},{"sentences":[{"text":"We wanna hold about 8% of the portfolio, so we're gonna buy some more of that investment.","start":527.79504,"end":532.59503,"sentiment":"neutral","sentiment_score":0.1861470201436211},{"text":"You've only got about 5% there currently.","start":532.59503,"end":534.935,"sentiment":"neutral","sentiment_score":0.096364398087774},{"text":"We've also got the S and P 500.","start":535.79504,"end":538.11505,"sentiment":"neutral","sentiment_score":0.10533979441970587},{"text":"You currently hold 24.50%.","start":538.11505,"end":541.09503,"sentiment":"neutral","sentiment_score":0.10631212592124939},{"text":"We wanna hold about 30%.","start":541.56,"end":543.5,"sentiment":"neutral","sentiment_score":0.1181819349527359}],"sentiment":"neutral","sentiment_score":0.13897382104542197,"channel":0,"num_words":41,"start":527.79504,"end":543.5},{"sentences":[{"text":"The US market has been a bit up and down, but this investment is still really good to hold.","start":543.56,"end":548.60004,"sentiment":"neutral","sentiment_score":0.2327710327349211},{"text":"When you think about markets, The US does have a lot of volatility and go up and down, but you do get a lot of growth out of The US market.","start":548.60004,"end":557.085,"sentiment":"neutral","sentiment_score":0.11711187492455205},{"text":"So holding access to the S and P 500 is still a good place to be invested.","start":557.325,"end":561.66504,"sentiment":"positive","sentiment_score":0.45238087633076834},{"text":"So we're gonna buy some more of that investment.","start":561.805,"end":563.905,"sentiment":"neutral","sentiment_score":0.26012058390511406},{"text":"Okay?","start":564.205,"end":564.705,"sentiment":"neutral","sentiment_score":0.10464321076869965}],"sentiment":"neutral","sentiment_score":0.2362249494566546,"channel":0,"num_words":77,"start":543.56,"end":564.705},{"sentences":[{"text":"Okay.","start":565.41,"end":565.91,"sentiment":"neutral","sentiment_score":0.09931497275829317}],"sentiment":"neutral","sentiment_score":0.09931497275829317,"channel":1,"num_words":1,"start":565.41,"end":565.91},{"sentences":[{"text":"We've got the Asia iShares Asia investment.","start":566.685,"end":566.9517,"sentiment":"neutral","sentiment_score":0.07419219167370882},{"text":"You currently hold 4% there at the moment because we do hold, You currently hold 4% there at the moment because we do hold the iShares in Europe, and we are increasing the exposure there.","start":566.9517,"end":576.62,"sentiment":"neutral","sentiment_score":0.020392830217523233},{"text":"We're just selling off the Asia exposure.","start":576.62,"end":578.72,"sentiment":"neutral","sentiment_score":0.003281941371304648},{"text":"We can kind of keep that in in amongst the other areas.","start":578.94,"end":582.07996,"sentiment":"neutral","sentiment_score":0.17926777278383574},{"text":"You've also got the Vanguard Australian fixed interest investment hold about 6% there.","start":583.025,"end":588.30505,"sentiment":"neutral","sentiment_score":0.12787494751123282}],"sentiment":"neutral","sentiment_score":0.06850885918892517,"channel":0,"num_words":74,"start":566.685,"end":588.30505},{"sentences":[{"text":"We found a a a more low cost way to sort of incorporate defensive investments into your portfolio, so we're gonna sell all of that fixed interest investment down.","start":588.30505,"end":597.685,"sentiment":"positive","sentiment_score":0.3353476639965485},{"text":"We're gonna buy into the Japanese market.","start":598.35,"end":600.82996,"sentiment":"neutral","sentiment_score":0.20152033013956888},{"text":"There has been quite a lot happening and trending, especially with what's been happening with China.","start":600.82996,"end":605.49,"sentiment":"neutral","sentiment_score":0.13584498106501997},{"text":"So high global tensions there, essentially.","start":606.02997,"end":608.61,"sentiment":"neutral","sentiment_score":0.029920669272542},{"text":"So Japan is definitely a place of growth.","start":608.67,"end":610.93,"sentiment":"neutral","sentiment_score":0.2270129695534706}],"sentiment":"neutral","sentiment_score":0.2318920005451549,"channel":0,"num_words":66,"start":588.30505,"end":610.93},{"sentences":[{"text":"So we wanna hold about 5% of Japanese market.","start":611.245,"end":614.465,"sentiment":"neutral","sentiment_score":0.23017079631487528},{"text":"And then we've got the Vanguard or World x US investment.","start":614.765,"end":618.22504,"sentiment":"neutral","sentiment_score":0.11821865358135918},{"text":"So one of the biggest things one of the things we wanna be able to do is diversify your portfolio, not only across different industries and asset classes, but across different countries.","start":618.28503,"end":627.93,"sentiment":"neutral","sentiment_score":0.3173488792963326},{"text":"And this is giving you access to the or exposure to the entire globe minus The US, and that's because we have the S and P 500 noted above within your portfolio there.","start":628.23,"end":638.55,"sentiment":"neutral","sentiment_score":0.25032905714981485},{"text":"So the Vanguard or World ex US investment, we wanna hold 8% off and giving you global exposure, which also helps to reduce your risk level within the portfolio there as well.","start":638.55,"end":649.09503,"sentiment":"neutral","sentiment_score":0.30308472365140915}],"sentiment":"neutral","sentiment_score":0.26911689347436285,"channel":0,"num_words":117,"start":611.245,"end":649.09503},{"sentences":[{"text":"Okay?","start":649.235,"end":649.735,"sentiment":"neutral","sentiment_score":0.1072571873664856}],"sentiment":"neutral","sentiment_score":0.1072571873664856,"channel":0,"num_words":1,"start":649.235,"end":649.735},{"sentences":[{"text":"Yep.","start":650.395,"end":650.895,"sentiment":"neutral","sentiment_score":0.1406116783618927}],"sentiment":"neutral","sentiment_score":0.1406116783618927,"channel":1,"num_words":1,"start":650.395,"end":650.895},{"sentences":[{"text":"And then we've got the BetaShares Australia 200.","start":651.33,"end":654.05005,"sentiment":"neutral","sentiment_score":0.1378827728331089},{"text":"So because we are removing the Bennelong Australian equities investment, that investment generally held between 15 to 25 different investments depending on what the investment manager within Bennelong was looking to hold.","start":654.05005,"end":666.07,"sentiment":"neutral","sentiment_score":0.08222747761465143},{"text":"By selling that underperforming investment, we still wanna hold some Australian equities.","start":666.955,"end":671.195,"sentiment":"neutral","sentiment_score":0.11878227566679318},{"text":"So we're buying the beta a 200.","start":671.195,"end":673.695,"sentiment":"neutral","sentiment_score":0.2760380953550339},{"text":"This is giving you exposures to the top 200 companies on the ASX.","start":674.155,"end":678.015,"sentiment":"positive","sentiment_score":0.38749470389806306}],"sentiment":"neutral","sentiment_score":0.16846425822910127,"channel":0,"num_words":72,"start":651.33,"end":678.015},{"sentences":[{"text":"So it's actually giving you more diversification, helping to lower your overall risk with your portfolio.","start":678.79004,"end":683.69,"sentiment":"positive","sentiment_score":0.5173027608543634},{"text":"It is also essentially a cheaper investment.","start":684.55,"end":687.05,"sentiment":"positive","sentiment_score":0.37660608121326994},{"text":"So Bannalong was more of an actively managed fund, whereas this is more of a passively managed fund.","start":687.11,"end":692.295,"sentiment":"neutral","sentiment_score":0.031985033200018935},{"text":"When you think about investments over the longer term, while active managers can outperform the market, they don't always do that and often have years where they absolutely underperform, whereas being invested in a passive portfolio tends to outperform the market as a or outperform active managers as a whole and tends to provide a greater level of return when you remain invested through the ups and downs without trying to time and pick the market there.","start":692.295,"end":718.56,"sentiment":"neutral","sentiment_score":0.1217735364077637},{"text":"So having exposure to the Australian market in the a 200 is giving you a passive investment.","start":718.56,"end":724.275,"sentiment":"neutral","sentiment_score":0.2441981347168193}],"sentiment":"neutral","sentiment_score":0.18530924395071688,"channel":0,"num_words":135,"start":678.79004,"end":724.275},{"sentences":[{"text":"Sorry.","start":725.375,"end":725.775,"sentiment":"neutral","sentiment_score":0.2729385793209076},{"text":"It's also giving you greater diversification, and it's also a cheaper investment.","start":725.775,"end":729.79504,"sentiment":"positive","sentiment_score":0.4823628788193067},{"text":"So it's helping to lower the cost of your portfolio as well.","start":729.85504,"end":733.315,"sentiment":"positive","sentiment_score":0.527518222729365},{"text":"Does that make sense?","start":733.4,"end":734.36,"sentiment":"neutral","sentiment_score":0.12775013782083988},{"text":"Do you have any questions so far?","start":734.36,"end":736.38,"sentiment":"neutral","sentiment_score":0.027649493888020515}],"sentiment":"positive","sentiment_score":0.3637794112890131,"channel":0,"num_words":36,"start":725.375,"end":736.38},{"sentences":[{"text":"No.","start":737.15,"end":737.47003,"sentiment":"neutral","sentiment_score":-0.13924576342105863},{"text":"No.","start":737.47003,"end":737.63,"sentiment":"neutral","sentiment_score":-0.15522488951683044},{"text":"No.","start":737.63,"end":737.79,"sentiment":"neutral","sentiment_score":-0.21865838766098025},{"text":"It don't make sense.","start":737.79,"end":738.85,"sentiment":"neutral","sentiment_score":-0.2098192237317562}],"sentiment":"neutral","sentiment_score":-0.1932008479322706,"channel":1,"num_words":7,"start":737.15,"end":738.85},{"sentences":[{"text":"Excellent.","start":739.4,"end":739.9,"sentiment":"neutral","sentiment_score":0.294327050447464},{"text":"And then the last one on the next page is the core composite bonds.","start":740.2,"end":743.4,"sentiment":"neutral","sentiment_score":0.1117061126445021},{"text":"So at the moment, you're in that growth environment.","start":743.4,"end":745.74,"sentiment":"neutral","sentiment_score":0.10900175074736278},{"text":"So you generally have 80% invested in those growth assets, and we still wanna have 20% in low risk defensive investments.","start":746.04,"end":753.945,"sentiment":"neutral","sentiment_score":0.15066296252466382},{"text":"So keeping core composite bonds is giving you access and exposure to both government and corporate bonds.","start":754.085,"end":760.185,"sentiment":"neutral","sentiment_score":0.21951570843949036}],"sentiment":"neutral","sentiment_score":0.15701480065622636,"channel":0,"num_words":62,"start":739.4,"end":760.185},{"sentences":[{"text":"Bonds are really good as a defensive investment.","start":760.325,"end":762.645,"sentiment":"positive","sentiment_score":0.39740000665187836},{"text":"They pay income, which is paid into your cash account and then reinvested back into your portfolio for compounding as well.","start":762.645,"end":769.48004,"sentiment":"neutral","sentiment_score":0.2721298478898548},{"text":"So this is helping to lower the overall risk of your portfolio, provide greater diversification, but also a lower cost option to your portfolio.","start":769.48004,"end":777.10004,"sentiment":"positive","sentiment_score":0.4040548565487067},{"text":"And these investments have shown over the past five years.","start":777.705,"end":780.505,"sentiment":"positive","sentiment_score":0.4103449136018753},{"text":"They've had a greater level of of returns and which can, you know, in the future, provide a greater level of future performance depending on market conditions there.","start":780.505,"end":790.505,"sentiment":"positive","sentiment_score":0.384892324251788}],"sentiment":"positive","sentiment_score":0.3678206333092281,"channel":0,"num_words":91,"start":760.325,"end":790.505},{"sentences":[{"text":"So these are the changes that I'm making to your portfolio.","start":790.505,"end":793.67,"sentiment":"neutral","sentiment_score":0.12183866785331206},{"text":"Obviously, anything in the red is what we're gonna be selling down.","start":794.05,"end":797.19,"sentiment":"neutral","sentiment_score":0.008309492016754424},{"text":"Anything in the green is what we're gonna be purchasing.","start":797.49,"end":799.83,"sentiment":"neutral","sentiment_score":0.028303110972046852},{"text":"And then the very last target column essentially shows you at the end of those changes what you should end up with and how much you should have invested in each of those investments, if that makes sense.","start":799.97003,"end":810.135,"sentiment":"neutral","sentiment_score":0.13339532362787346}],"sentiment":"neutral","sentiment_score":0.09566186842488938,"channel":0,"num_words":71,"start":790.505,"end":810.135},{"sentences":[{"text":"Yep.","start":810.425,"end":810.81,"sentiment":"neutral","sentiment_score":0.2022869288921356}],"sentiment":"neutral","sentiment_score":0.2022869288921356,"channel":1,"num_words":1,"start":810.425,"end":810.81},{"sentences":[{"text":"Beautiful.","start":811.71497,"end":812.21497,"sentiment":"positive","sentiment_score":0.4602399468421936},{"text":"On the next page there, you'll also see your cash account.","start":812.83496,"end":815.475,"sentiment":"neutral","sentiment_score":0.1446474130180749},{"text":"At the moment, you've got a bit over 2% cash there.","start":815.475,"end":818.45496,"sentiment":"neutral","sentiment_score":0.009946187619458546},{"text":"We only wanna hold about 1.25% cash, so we wanna buy about $3,716 into investments.","start":818.94,"end":826.88,"sentiment":"neutral","sentiment_score":0.03802304503818353},{"text":"So we're gonna take a bit of cash and reinvest that for you as well.","start":826.94,"end":830.54004,"sentiment":"neutral","sentiment_score":0.12171972294648488}],"sentiment":"neutral","sentiment_score":0.08597945421934128,"channel":0,"num_words":53,"start":811.71497,"end":830.54004},{"sentences":[{"text":"Okay?","start":830.54004,"end":831.04004,"sentiment":"neutral","sentiment_score":0.07650552690029144}],"sentiment":"neutral","sentiment_score":0.07650552690029144,"channel":0,"num_words":1,"start":830.54004,"end":831.04004},{"sentences":[{"text":"Okay.","start":831.145,"end":831.465,"sentiment":"neutral","sentiment_score":0.08984648436307907},{"text":"Yep.","start":831.465,"end":831.945,"sentiment":"neutral","sentiment_score":0.16715094447135925},{"text":"Yep.","start":831.945,"end":832.445,"sentiment":"neutral","sentiment_score":0.28145459294319153}],"sentiment":"neutral","sentiment_score":0.17948400725920996,"channel":1,"num_words":3,"start":831.145,"end":832.445},{"sentences":[{"text":"Beautiful.","start":832.38,"end":832.88,"sentiment":"positive","sentiment_score":0.692925751209259},{"text":"If you scroll down to page number 20, I can actually show you the main reason for me making these recommendations for you.","start":833.625,"end":840.445,"sentiment":"neutral","sentiment_score":0.3080183552659076}],"sentiment":"neutral","sentiment_score":0.32405616343021393,"channel":0,"num_words":24,"start":832.38,"end":840.445},{"sentences":[{"text":"Yep.","start":841.0,"end":841.5,"sentiment":"neutral","sentiment_score":0.27875852584838867}],"sentiment":"neutral","sentiment_score":0.27875852584838867,"channel":1,"num_words":1,"start":841.0,"end":841.5},{"sentences":[{"text":"Beautiful.","start":842.105,"end":842.605,"sentiment":"positive","sentiment_score":0.5369411706924438},{"text":"So this is your fee comparison table.","start":842.66504,"end":844.765,"sentiment":"neutral","sentiment_score":0.23724730099950517},{"text":"Essentially, the first column shows your current balance within hub twenty four.","start":845.305,"end":848.51996,"sentiment":"neutral","sentiment_score":0.15271439837912718},{"text":"So I did look at all the other super funds as well as hub twenty four and noted that, realistically, this was the best option to stay and remain within hub twenty four.","start":848.51996,"end":858.04,"sentiment":"neutral","sentiment_score":0.1645042918848269},{"text":"Then I had a look by by, say, if we were to sell all of your portfolio down and move you to another platform, we would have triggered CGT inside super as a bit of a $5,533 there.","start":858.04,"end":871.77496,"sentiment":"neutral","sentiment_score":0.0663117455612672}],"sentiment":"neutral","sentiment_score":0.1316344288106148,"channel":0,"num_words":91,"start":842.105,"end":871.77496},{"sentences":[{"text":"So by retaining HUB 24 and just making the changes to your portfolio, we can limit the CGT costs for you.","start":871.77496,"end":879.79,"sentiment":"neutral","sentiment_score":0.17425081169321424},{"text":"And if you have a look at the differences column there, the balance between the current portfolio and the recommended, there's no difference there.","start":879.93,"end":887.31,"sentiment":"neutral","sentiment_score":0.07217961130663753},{"text":"So these changes that I recommend that we make above actually don't have any tax consequences for your super.","start":887.77,"end":893.745,"sentiment":"neutral","sentiment_score":0.2704506728209947},{"text":"There's no CDT for that unlike sort of a bit like yourself.","start":893.745,"end":898.565,"sentiment":"neutral","sentiment_score":0.08656595336894195},{"text":"Your super fund does a tax return every year, so they do pay income tax and CDT tax when investments are purchased and sold in the back end.","start":898.785,"end":907.52496,"sentiment":"neutral","sentiment_score":0.18919423009668077}],"sentiment":"neutral","sentiment_score":0.16217663830432755,"channel":0,"num_words":104,"start":871.77496,"end":907.52496},{"sentences":[{"text":"So I was able to go back and have a look at trying to move your portfolio around, rebalance things, and make changes to your portfolio, but make it so your super fund has no tax consequences within the funds.","start":907.77,"end":919.21,"sentiment":"neutral","sentiment_score":0.19421081691980363},{"text":"So it has less of an effect on your super balance.","start":919.21,"end":921.93005,"sentiment":"neutral","sentiment_score":-0.011185180395841599},{"text":"Does that make sense?","start":921.93005,"end":922.845,"sentiment":"neutral","sentiment_score":0.06966146640479565}],"sentiment":"neutral","sentiment_score":0.1440734828737649,"channel":0,"num_words":55,"start":907.77,"end":922.845},{"sentences":[{"text":"That that was it.","start":923.365,"end":923.925,"sentiment":"neutral","sentiment_score":0.0013911528512835511},{"text":"Yep.","start":923.925,"end":924.245,"sentiment":"neutral","sentiment_score":0.1813853234052658},{"text":"Thank you.","start":924.245,"end":924.98505,"sentiment":"positive","sentiment_score":0.4734150171279907}],"sentiment":"neutral","sentiment_score":0.16196856700948306,"channel":1,"num_words":7,"start":923.365,"end":924.98505},{"sentences":[{"text":"Yeah.","start":924.76495,"end":925.245,"sentiment":"neutral","sentiment_score":0.2643536329269409},{"text":"That's okay.","start":925.245,"end":926.06494,"sentiment":"positive","sentiment_score":0.34556010365486145},{"text":"All good.","start":926.685,"end":927.345,"sentiment":"positive","sentiment_score":0.45424874126911163},{"text":"Within the current scenario and the recommended column there, you'll see there's no change to the administration fees.","start":928.20496,"end":933.88495,"sentiment":"neutral","sentiment_score":0.05842697578999731},{"text":"That is because we are keeping hub 24.","start":933.88495,"end":936.24,"sentiment":"neutral","sentiment_score":0.10574590507894754}],"sentiment":"neutral","sentiment_score":0.12134271379440062,"channel":0,"num_words":31,"start":924.76495,"end":936.24},{"sentences":[{"text":"There's been no real differences.","start":936.32,"end":937.76,"sentiment":"neutral","sentiment_score":-0.0204734094440937},{"text":"There's no real need to change the investment platform that your super is in at the moment.","start":937.76,"end":942.32,"sentiment":"neutral","sentiment_score":-0.18313760441892288},{"text":"It's just about making sure that your portfolio is working harder for you.","start":942.32,"end":946.48,"sentiment":"neutral","sentiment_score":0.04330912920144888},{"text":"I always sort of say to people, you know, super fund that you're in is essentially the vehicle.","start":946.48,"end":950.39996,"sentiment":"neutral","sentiment_score":0.08467800066702896},{"text":"It's a bit like your car.","start":950.39996,"end":951.855,"sentiment":"neutral","sentiment_score":0.05800172872841358}],"sentiment":"neutral","sentiment_score":-0.013228360310954562,"channel":0,"num_words":59,"start":936.32,"end":951.855},{"sentences":[{"text":"What really makes your car run is the fuel, and that's essentially the investments and the contributions that are made to the funds.","start":951.935,"end":958.01495,"sentiment":"neutral","sentiment_score":0.10624529777661613},{"text":"So keeping how 24 is still suited.","start":958.01495,"end":961.07495,"sentiment":"neutral","sentiment_score":0.21242639209542954},{"text":"The investment fee, you'll see a bit of a difference there.","start":961.855,"end":964.89496,"sentiment":"neutral","sentiment_score":0.20739553462375293},{"text":"So by moving into the newer portfolio, we're actually saving you for the first year $1,952 in investment fees.","start":964.89496,"end":972.58997,"sentiment":"positive","sentiment_score":0.4719318245586596},{"text":"So this portfolio was actually a lot cheaper than your current portfolio, which is really good.","start":972.58997,"end":977.31,"sentiment":"positive","sentiment_score":0.7272000573575497}],"sentiment":"positive","sentiment_score":0.3528142507727209,"channel":0,"num_words":76,"start":951.935,"end":977.31},{"sentences":[{"text":"That's more money sitting in your super working harder for you at the end of the day there as well.","start":977.31,"end":981.81,"sentiment":"positive","sentiment_score":0.6320940062403679}],"sentiment":"positive","sentiment_score":0.6320940062403679,"channel":0,"num_words":20,"start":977.31,"end":981.81},{"sentences":[{"text":"Yep.","start":982.385,"end":982.885,"sentiment":"neutral","sentiment_score":0.18750113248825073}],"sentiment":"neutral","sentiment_score":0.18750113248825073,"channel":1,"num_words":1,"start":982.385,"end":982.885},{"sentences":[{"text":"Yeah.","start":983.745,"end":984.245,"sentiment":"neutral","sentiment_score":0.16469046473503113},{"text":"There's also the ongoing service fee.","start":984.785,"end":987.02496,"sentiment":"neutral","sentiment_score":0.08264415959517162},{"text":"So we do charge an ongoing service fee for our services.","start":987.02496,"end":989.745,"sentiment":"neutral","sentiment_score":0.0931432003324682},{"text":"It's 1.65% there.","start":989.745,"end":991.845,"sentiment":"neutral","sentiment_score":0.14814173181851706},{"text":"That obviously does factor in growth, so we do see that grow by a little over $200 per year.","start":992.14496,"end":997.35,"sentiment":"neutral","sentiment_score":0.26160649014146703}],"sentiment":"neutral","sentiment_score":0.1775019783526659,"channel":0,"num_words":40,"start":983.745,"end":997.35},{"sentences":[{"text":"Our ongoing service fee moving forward will change as well.","start":997.35,"end":1000.55,"sentiment":"neutral","sentiment_score":0.16531338766217232},{"text":"So as you as your balance increases, we're gonna have a tier structure.","start":1000.55,"end":1004.89,"sentiment":"neutral","sentiment_score":0.14926350976412112},{"text":"Right now, we're keeping you on the same fee that you're on at the moment.","start":1005.02997,"end":1008.15,"sentiment":"neutral","sentiment_score":0.10251519034306208},{"text":"But as of next year, it will sort of change where when you get to a balance of 200,000, which yours is over, the tiered structure will come into place.","start":1008.15,"end":1018.145,"sentiment":"neutral","sentiment_score":0.0797647496064504},{"text":"So as your balance hits a different tier, the fee will actually decrease.","start":1018.145,"end":1022.805,"sentiment":"neutral","sentiment_score":0.09382116737274024}],"sentiment":"neutral","sentiment_score":0.10794944472518968,"channel":0,"num_words":81,"start":997.35,"end":1022.805},{"sentences":[{"text":"Does that make sense?","start":1023.32,"end":1024.38,"sentiment":"neutral","sentiment_score":0.06948189344257116}],"sentiment":"neutral","sentiment_score":0.06948189344257116,"channel":0,"num_words":4,"start":1023.32,"end":1024.38},{"sentences":[{"text":"Okay.","start":1024.685,"end":1025.085,"sentiment":"neutral","sentiment_score":0.09324096888303755},{"text":"Yep.","start":1025.085,"end":1025.585,"sentiment":"neutral","sentiment_score":0.1446004956960678}],"sentiment":"neutral","sentiment_score":0.11892073228955269,"channel":1,"num_words":2,"start":1024.685,"end":1025.585},{"sentences":[{"text":"Yeah.","start":1025.88,"end":1026.38,"sentiment":"neutral","sentiment_score":0.17167598009109497},{"text":"That will come into play next year.","start":1026.52,"end":1028.54,"sentiment":"neutral","sentiment_score":0.20123790204524994},{"text":"This is your ongoing service fee is at the same as it has always been for this year just because we've obviously, you know, already put that into place there for you, but I'll go through that in a lot more detail down the track.","start":1028.76,"end":1039.7051,"sentiment":"neutral","sentiment_score":0.1819024716814359},{"text":"But part of the ongoing service fee is just making sure that we're providing advice and updating advice to make sure you stay on track towards meeting your goals.","start":1039.7051,"end":1047.805,"sentiment":"neutral","sentiment_score":0.2698057868742737},{"text":"All of that ongoing advice documents are included in the ongoing service fee as well, so we don't charge implementation fees for additional advice around Super as well.","start":1048.265,"end":1057.62,"sentiment":"neutral","sentiment_score":0.13353166276855127}],"sentiment":"neutral","sentiment_score":0.19390188088132576,"channel":0,"num_words":110,"start":1025.88,"end":1057.62},{"sentences":[{"text":"Okay?","start":1057.62,"end":1057.94,"sentiment":"neutral","sentiment_score":0.09742981940507887},{"text":"It's all incorporated into our services there.","start":1057.94,"end":1061.16,"sentiment":"neutral","sentiment_score":0.11269964490618024}],"sentiment":"neutral","sentiment_score":0.11079091671854258,"channel":0,"num_words":8,"start":1057.62,"end":1061.16},{"sentences":[{"text":"Yep.","start":1061.6,"end":1061.84,"sentiment":"neutral","sentiment_score":0.1604473888874054},{"text":"Okay.","start":1061.84,"end":1062.34,"sentiment":"neutral","sentiment_score":0.12719255685806274}],"sentiment":"neutral","sentiment_score":0.14381997287273407,"channel":1,"num_words":2,"start":1061.6,"end":1062.34},{"sentences":[{"text":"The other thing is the contribution.","start":1062.74,"end":1064.28,"sentiment":"neutral","sentiment_score":0.12235164393981297},{"text":"So I have had a look.","start":1064.58,"end":1066.365,"sentiment":"neutral","sentiment_score":0.12462563688556354},{"text":"I'm making a recommendation that you do increase your contributions and start salary sacrificing about $50 per week in the super.","start":1066.365,"end":1073.185,"sentiment":"neutral","sentiment_score":0.25598658550353276},{"text":"By starting that now, you can increase your super and have a much greater effect.","start":1073.725,"end":1078.865,"sentiment":"positive","sentiment_score":0.6208166380723318},{"text":"Essentially, starting that now means that you're putting more higher amounts or more money into super on a regular basis for the compounding effect, which over the course of time towards your retirement goals, and '60, '65, or '67 can definitely put you into a greater place there.","start":1079.38,"end":1094.4199,"sentiment":"positive","sentiment_score":0.4601525378723939}],"sentiment":"positive","sentiment_score":0.3985120142654826,"channel":0,"num_words":96,"start":1062.74,"end":1094.4199},{"sentences":[{"text":"So I did make a recommendation that you do start salary sacrificing $50 per week.","start":1094.4199,"end":1099.835,"sentiment":"neutral","sentiment_score":0.26882597108682},{"text":"We'll start small.","start":1099.835,"end":1100.975,"sentiment":"neutral","sentiment_score":0.21240638196468353},{"text":"And then as your comfort level changes, as you sort of have a bit more money or expendable income or maybe comfortable increasing that down the track, then we can always review and increase that salary sacrifice recommendation further forward.","start":1101.2749,"end":1113.8799,"sentiment":"neutral","sentiment_score":0.20247934218496083},{"text":"Does that make sense?","start":1113.8799,"end":1115.0199,"sentiment":"neutral","sentiment_score":0.14254001341760159}],"sentiment":"neutral","sentiment_score":0.21514423311718048,"channel":0,"num_words":62,"start":1094.4199,"end":1115.0199},{"sentences":[{"text":"Yep.","start":1115.26,"end":1115.76,"sentiment":"neutral","sentiment_score":0.1825493574142456}],"sentiment":"neutral","sentiment_score":0.1825493574142456,"channel":1,"num_words":1,"start":1115.26,"end":1115.76},{"sentences":[{"text":"Yep.","start":1116.0399,"end":1116.5199,"sentiment":"neutral","sentiment_score":0.29256415367126465},{"text":"Beautiful.","start":1116.5199,"end":1117.0199,"sentiment":"positive","sentiment_score":0.5880144238471985},{"text":"The other really important thing is the in the investment portfolio and essentially the returns.","start":1117.48,"end":1122.2999,"sentiment":"neutral","sentiment_score":0.2730591009060542},{"text":"So when I looked at your current portfolio and how that has averaged over the past five years, it's averaged about 6.31%.","start":1122.465,"end":1129.985,"sentiment":"neutral","sentiment_score":0.25679188628088345},{"text":"So keeping you in that growth environment, the newer portfolio has averaged 11.39% over the past five years.","start":1129.985,"end":1136.865,"sentiment":"positive","sentiment_score":0.41067714989185333}],"sentiment":"neutral","sentiment_score":0.31610658398845737,"channel":0,"num_words":57,"start":1116.0399,"end":1136.865},{"sentences":[{"text":"So this newer portfolio is cheaper, not causing any capital gains consequences for your super fund and has shown a greater level of performance.","start":1136.865,"end":1145.4299,"sentiment":"positive","sentiment_score":0.4881995419661204},{"text":"And then that coupled with increasing and adding some salary sacrifice in there, if you look down at the projection table below, you can actually see it should put you in a much greater position.","start":1145.97,"end":1156.345,"sentiment":"positive","sentiment_score":0.5583500964300973},{"text":"So this is a projection based on all the factors above, noting that if the market can perform and if the portfolio can obtain what it has over the past five years with all the other factors included over the next five to ten years, you can sort of see where you should be based on the recommended changes.","start":1156.4049,"end":1173.02,"sentiment":"positive","sentiment_score":0.37362313068519204},{"text":"Does that make 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I'd","start":1185.295,"end":1186.255,"sentiment":"positive","sentiment_score":0.33749160170555115}],"sentiment":"positive","sentiment_score":0.47618742306765754,"channel":0,"num_words":38,"start":1175.64,"end":1186.255},{"sentences":[{"text":"Yep.","start":1186.155,"end":1186.655,"sentiment":"positive","sentiment_score":0.4328340888023377}],"sentiment":"positive","sentiment_score":0.4328340888023377,"channel":1,"num_words":1,"start":1186.155,"end":1186.655},{"sentences":[{"text":"love to see how things grow, and, obviously, I'll keep reviewing things with you on a regular basis to make sure they are working harder.","start":1186.255,"end":1192.835,"sentiment":"positive","sentiment_score":0.4963690507411957},{"text":"I do like to make sure we're aware projection tables are just projections, so markets could definitely have an effect.","start":1193.41,"end":1199.59,"sentiment":"neutral","sentiment_score":0.22097482532262802},{"text":"And there's no guarantee that you're gonna get 11.39%.","start":1199.89,"end":1203.33,"sentiment":"neutral","sentiment_score":0.14663067625628579},{"text":"We know some years, it might be 20%.","start":1203.33,"end":1205.41,"sentiment":"neutral","sentiment_score":0.08025508280843496},{"text":"Some years, it might be a negative percent.","start":1205.41,"end":1207.25,"sentiment":"neutral","sentiment_score":0.06091035855934024}],"sentiment":"neutral","sentiment_score":0.2753960341747318,"channel":0,"num_words":70,"start":1186.255,"end":1207.25},{"sentences":[{"text":"We might get 2%, and we might get a 7% there as well.","start":1207.25,"end":1210.705,"sentiment":"neutral","sentiment_score":0.12629946894370592},{"text":"So it's just","start":1210.705,"end":1211.665,"sentiment":"neutral","sentiment_score":0.21960545579592386}],"sentiment":"neutral","sentiment_score":0.1437943414784968,"channel":0,"num_words":16,"start":1207.25,"end":1211.665},{"sentences":[{"text":"Yep.","start":1211.625,"end":1211.94,"sentiment":"neutral","sentiment_score":0.2549454867839813}],"sentiment":"neutral","sentiment_score":0.2549454867839813,"channel":1,"num_words":1,"start":1211.625,"end":1211.94},{"sentences":[{"text":"about looking at past data and projecting where you could be.","start":1211.665,"end":1214.865,"sentiment":"neutral","sentiment_score":0.2403598644516685},{"text":"But this newer portfolio taking into all accounts can put you in a much greater position moving forward, which is what I wanted see.","start":1214.865,"end":1221.95,"sentiment":"positive","sentiment_score":0.4912064162393411},{"text":"Okay?","start":1222.01,"end":1222.51,"sentiment":"neutral","sentiment_score":0.11540460586547852}],"sentiment":"positive","sentiment_score":0.40411991957161164,"channel":0,"num_words":36,"start":1211.665,"end":1222.51},{"sentences":[{"text":"Yep.","start":1223.0599,"end":1223.3799,"sentiment":"neutral","sentiment_score":0.04424142464995384},{"text":"No.","start":1223.3799,"end":1223.62,"sentiment":"neutral","sentiment_score":0.06863518059253693},{"text":"Sounds good.","start":1223.62,"end":1224.44,"sentiment":"neutral","sentiment_score":0.22888603061437607}],"sentiment":"neutral","sentiment_score":0.14266216661781073,"channel":1,"num_words":4,"start":1223.0599,"end":1224.44},{"sentences":[{"text":"Beautiful.","start":1224.6499,"end":1225.1499,"sentiment":"neutral","sentiment_score":0.287686288356781},{"text":"Do you have any questions?","start":1225.2899,"end":1226.4099,"sentiment":"neutral","sentiment_score":0.10786479860544204},{"text":"I'm so sorry.","start":1226.4099,"end":1227.0499,"sentiment":"neutral","sentiment_score":-0.0830150842666626},{"text":"I'm like this crazy super lady who just loves talking about random 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at all, John, there at all?","start":1232.33,"end":1234.99,"sentiment":"neutral","sentiment_score":-0.08424216164992405}],"sentiment":"neutral","sentiment_score":-0.08424216164992405,"channel":0,"num_words":13,"start":1232.33,"end":1234.99},{"sentences":[{"text":"No.","start":1235.2949,"end":1235.695,"sentiment":"neutral","sentiment_score":-0.10095252096652985},{"text":"Not.","start":1235.695,"end":1235.9349,"sentiment":"neutral","sentiment_score":-0.10204210877418518},{"text":"It still sounds","start":1235.9349,"end":1236.6549,"sentiment":"neutral","sentiment_score":-0.08340946833292644}],"sentiment":"neutral","sentiment_score":-0.09064460694789886,"channel":1,"num_words":5,"start":1235.2949,"end":1236.6549},{"sentences":[{"text":"No.","start":1236.4049,"end":1236.9049,"sentiment":"neutral","sentiment_score":-0.12535154819488523}],"sentiment":"neutral","sentiment_score":-0.12535154819488523,"channel":0,"num_words":1,"start":1236.4049,"end":1236.9049},{"sentences":[{"text":"good.","start":1236.6549,"end":1236.975,"sentiment":"neutral","sentiment_score":-0.05690240859985352},{"text":"Thanks.","start":1236.975,"end":1237.47,"sentiment":"neutral","sentiment_score":0.16068509221076965}],"sentiment":"neutral","sentiment_score":0.05189134180545807,"channel":1,"num_words":2,"start":1236.6549,"end":1237.47},{"sentences":[{"text":"Fantastic.","start":1237.7649,"end":1238.2649,"sentiment":"positive","sentiment_score":0.42246872186660767},{"text":"Excellent.","start":1238.6449,"end":1239.1449,"sentiment":"positive","sentiment_score":0.4454982280731201},{"text":"The next couple of pages down, just sort of note that we are recommending the salary sacrifice option starting with $50 a week.","start":1240.005,"end":1246.4049,"sentiment":"neutral","sentiment_score":0.1814286342781523},{"text":"When we spoke last time, it was more in your comfort level.","start":1246.4049,"end":1249.2849,"sentiment":"neutral","sentiment_score":0.20426559199889502},{"text":"So starting smaller and building that compounding effect over time, starting now is gonna have a much greater effect on your super rather than starting in five or ten years down the track.","start":1249.2849,"end":1259.7101,"sentiment":"positive","sentiment_score":0.4048363092270764}],"sentiment":"neutral","sentiment_score":0.2978801549545356,"channel":0,"num_words":70,"start":1237.7649,"end":1259.7101},{"sentences":[{"text":"So, I'd like to start that now for you and keep reviewing that as time goes on.","start":1259.7101,"end":1264.605,"sentiment":"neutral","sentiment_score":0.32431069016456604},{"text":"The other advantage of starting smaller is that life is expensive.","start":1264.6849,"end":1268.065,"sentiment":"neutral","sentiment_score":0.30868562107736414},{"text":"There's no you know, cost of groceries is phenomenal just on its own these days.","start":1268.285,"end":1273.485,"sentiment":"positive","sentiment_score":0.4235206703344981},{"text":"So starting with something smaller, because it does have an effect on your take home pay, can essentially mean you can get used to the difference in your income, and then we can build on that salary sacrifice down the track for you if that makes sense.","start":1273.485,"end":1286.15,"sentiment":"positive","sentiment_score":0.36565833839964357},{"text":"Okay?","start":1286.15,"end":1286.65,"sentiment":"neutral","sentiment_score":0.1126384139060974}],"sentiment":"positive","sentiment_score":0.3578045487731368,"channel":0,"num_words":91,"start":1259.7101,"end":1286.65},{"sentences":[{"text":"Yep.","start":1286.475,"end":1286.76,"sentiment":"positive","sentiment_score":0.4021739363670349}],"sentiment":"positive","sentiment_score":0.4021739363670349,"channel":1,"num_words":1,"start":1286.475,"end":1286.76},{"sentences":[{"text":"Excellent.","start":1288.0701,"end":1288.5701,"sentiment":"positive","sentiment_score":0.7660485506057739},{"text":"The advantages of salary sacrifice are, obviously, that you are putting more money into super, and it does have an effect on your taxes.","start":1289.35,"end":1297.005,"sentiment":"positive","sentiment_score":0.5861723323663076},{"text":"Salary sacrifice is a pretax deduction from your income, so it does help to reduce your tax paid on your income as well.","start":1297.005,"end":1304.445,"sentiment":"positive","sentiment_score":0.5541483850582786},{"text":"We'll see at $50.","start":1304.445,"end":1305.645,"sentiment":"positive","sentiment_score":0.33944711089134216},{"text":"It would be very minimum to start with.","start":1305.645,"end":1307.73,"sentiment":"positive","sentiment_score":0.35443492233753204}],"sentiment":"positive","sentiment_score":0.5295477534333864,"channel":0,"num_words":60,"start":1288.0701,"end":1307.73},{"sentences":[{"text":"But, I mean, look, any tax saving, you pay way too much tax.","start":1308.13,"end":1311.33,"sentiment":"neutral","sentiment_score":0.09920033812522888},{"text":"We all do.","start":1311.33,"end":1312.0499,"sentiment":"positive","sentiment_score":0.3482590715090434},{"text":"So any tax saving you can make on your income is only a benefit to you at the end of the day.","start":1312.0499,"end":1316.79,"sentiment":"positive","sentiment_score":0.40416495366529986}],"sentiment":"neutral","sentiment_score":0.29542133133662374,"channel":0,"num_words":38,"start":1308.13,"end":1316.79},{"sentences":[{"text":"Yep.","start":1317.27,"end":1317.77,"sentiment":"positive","sentiment_score":0.49699610471725464}],"sentiment":"positive","sentiment_score":0.49699610471725464,"channel":1,"num_words":1,"start":1317.27,"end":1317.77},{"sentences":[{"text":"Excellent.","start":1318.37,"end":1318.85,"sentiment":"positive","sentiment_score":0.6717597246170044},{"text":"And then the last part there is just making sure your beneficiary nominations are set up.","start":1318.85,"end":1323.495,"sentiment":"neutral","sentiment_score":0.315159697085619},{"text":"This is on page number 25 there for you.","start":1324.055,"end":1327.015,"sentiment":"neutral","sentiment_score":0.2114090687698788},{"text":"So I'll get my team to make sure the beneficiary nominations are sent out, that we do pre fill the form for you, making sure that a 100% of your benefit is paid to Kylie in the event that something occurs.","start":1327.015,"end":1338.155,"sentiment":"positive","sentiment_score":0.33649689540630434},{"text":"I've got her noted as your spouse, and we look to doing a binding non lapsing nomination so that we put that in place now, and then you and I review that moving forward and make changes if and when they ever needed to down the track.","start":1338.63,"end":1350.09,"sentiment":"neutral","sentiment_score":0.25629384181600934}],"sentiment":"neutral","sentiment_score":0.2935015769642696,"channel":0,"num_words":114,"start":1318.37,"end":1350.09},{"sentences":[{"text":"Okay?","start":1350.23,"end":1350.73,"sentiment":"neutral","sentiment_score":0.1981730759143829},{"text":"Beautiful.","start":1352.7749,"end":1353.2749,"sentiment":"positive","sentiment_score":0.6320934295654297},{"text":"That is essentially the base of the recommendations.","start":1353.495,"end":1355.595,"sentiment":"positive","sentiment_score":0.4596188813447952},{"text":"The only other last part is just making sure you do speak to a solicitor to have your will and power of attorney drawn up.","start":1355.975,"end":1362.1549,"sentiment":"neutral","sentiment_score":0.1412016472220421},{"text":"My team can always send you some additional information if you would like to, but it is definitely important your super beneficiaries look after your super.","start":1362.615,"end":1370.42,"sentiment":"neutral","sentiment_score":0.27196041723856557}],"sentiment":"neutral","sentiment_score":0.2476758948359333,"channel":0,"num_words":61,"start":1350.23,"end":1370.42},{"sentences":[{"text":"But then everything else that you've got, your home, your contents, your cars, your savings accounts, everything else that you've worked just as hard for should also be protected.","start":1370.64,"end":1379.335,"sentiment":"neutral","sentiment_score":0.30117580705675584},{"text":"And that is all done as part of your estate planning through setting up a will and a power of attorney to make sure that if anything happens to you, that you have someone that you've nominated to make decisions on your behalf and that that person knows how you would like them to act on your behalf in the event that something occurs to you.","start":1379.335,"end":1397.37,"sentiment":"neutral","sentiment_score":0.3134494816715067},{"text":"Okay.","start":1397.4299,"end":1397.9299,"sentiment":"neutral","sentiment_score":0.22881421446800232}],"sentiment":"neutral","sentiment_score":0.3088601917649309,"channel":0,"num_words":96,"start":1370.64,"end":1397.9299},{"sentences":[{"text":"Yep.","start":1398.54,"end":1399.04,"sentiment":"neutral","sentiment_score":0.2514447569847107}],"sentiment":"neutral","sentiment_score":0.2514447569847107,"channel":1,"num_words":1,"start":1398.54,"end":1399.04},{"sentences":[{"text":"Beautiful.","start":1399.59,"end":1400.09,"sentiment":"neutral","sentiment_score":0.034034617245197296},{"text":"Essentially, if you decide to take on the recommendations, the way this will work is we'll start by making the super switch first.","start":1400.87,"end":1407.27,"sentiment":"neutral","sentiment_score":0.04989044692205346},{"text":"We'll switch the investments.","start":1407.27,"end":1408.455,"sentiment":"neutral","sentiment_score":0.06350512709468603},{"text":"You'll probably get a notification or two to let you know that we're making those changes in the back end, and then my team can provide the salary sacrifice letter to you for you to hand to your employer to have that change made when you're ready to do so.","start":1408.455,"end":1421.195,"sentiment":"neutral","sentiment_score":0.1052406308054924},{"text":"We'll review that on a regular basis.","start":1421.2999,"end":1423.14,"sentiment":"neutral","sentiment_score":0.1062911834035601}],"sentiment":"neutral","sentiment_score":0.08754829681094956,"channel":0,"num_words":85,"start":1399.59,"end":1423.14},{"sentences":[{"text":"My team will pre fill beneficiaries and have those sent out, and then we can always refer you to our solicitor if you require those require that down the track to your estate planning side of things as well.","start":1423.14,"end":1434.0399,"sentiment":"neutral","sentiment_score":0.10516897512552066},{"text":"Okay?","start":1434.26,"end":1434.76,"sentiment":"neutral","sentiment_score":0.09103623032569884}],"sentiment":"neutral","sentiment_score":0.10481565650552511,"channel":0,"num_words":40,"start":1423.14,"end":1434.76},{"sentences":[{"text":"Okay.","start":1435.375,"end":1435.875,"sentiment":"neutral","sentiment_score":0.21294493973255155}],"sentiment":"neutral","sentiment_score":0.21294493973255155,"channel":1,"num_words":1,"start":1435.375,"end":1435.875},{"sentences":[{"text":"Excellent.","start":1436.6449,"end":1437.0449,"sentiment":"positive","sentiment_score":0.500835657119751},{"text":"Like, that is essentially all the recommendations there.","start":1437.0449,"end":1440.105,"sentiment":"positive","sentiment_score":0.39728474617004395},{"text":"I try to make it as easy as possible.","start":1440.245,"end":1441.9249,"sentiment":"positive","sentiment_score":0.43170710735850865},{"text":"You do have a chance to go back and have a read to the document prior.","start":1441.9249,"end":1445.385,"sentiment":"neutral","sentiment_score":0.23899635672569275},{"text":"I do have all the recommendations outlined on each of the pages there with the advantages, disadvantages, risks involved, and any alternatives that I've considered as part of the research there for you as well.","start":1445.845,"end":1456.62,"sentiment":"neutral","sentiment_score":0.20396828651428223}],"sentiment":"neutral","sentiment_score":0.26851172939590784,"channel":0,"num_words":69,"start":1436.6449,"end":1456.62},{"sentences":[{"text":"And depending on how much you enjoy reading, I've also got the product disclosure statements attached to the email for you as well for hub twenty four and our financial services guide, which has been updated as well.","start":1457.16,"end":1468.905,"sentiment":"neutral","sentiment_score":0.18040435996494794},{"text":"Okay?","start":1468.965,"end":1469.465,"sentiment":"neutral","sentiment_score":0.10237526893615724}],"sentiment":"neutral","sentiment_score":0.1784036140411328,"channel":0,"num_words":39,"start":1457.16,"end":1469.465},{"sentences":[{"text":"Okay.","start":1469.3099,"end":1469.8099,"sentiment":"neutral","sentiment_score":0.11539120972156525},{"text":"Yep.","start":1470.0299,"end":1470.5299,"sentiment":"neutral","sentiment_score":0.22888144850730896}],"sentiment":"neutral","sentiment_score":0.1721363291144371,"channel":1,"num_words":2,"start":1469.3099,"end":1470.5299},{"sentences":[{"text":"Beautiful.","start":1470.565,"end":1471.065,"sentiment":"positive","sentiment_score":0.429612398147583},{"text":"If you're happy once you're read through, if you're happy to take the recommendations, we'll just ask that you sign and return the document back.","start":1471.685,"end":1478.25,"sentiment":"neutral","sentiment_score":0.24967536747455596},{"text":"If there is any part of the recommendations that you choose not to take on board, on the last page, we do have a box.","start":1478.65,"end":1485.93,"sentiment":"neutral","sentiment_score":-0.02586948812007904},{"text":"It's called multiline, I'm pretty sure.","start":1485.93,"end":1488.43,"sentiment":"neutral","sentiment_score":0.05715756552914778}],"sentiment":"neutral","sentiment_score":0.11171411886288408,"channel":0,"num_words":57,"start":1470.565,"end":1488.43},{"sentences":[{"text":"Yep.","start":1489.02,"end":1489.52,"sentiment":"neutral","sentiment_score":0.04163508117198944}],"sentiment":"neutral","sentiment_score":0.04163508117198944,"channel":1,"num_words":1,"start":1489.02,"end":1489.52},{"sentences":[{"text":"And, essentially, you just make a note in there if there's a section of the advice that you're choosing not to take on board, essentially.","start":1489.21,"end":1494.625,"sentiment":"neutral","sentiment_score":-0.025322036296129228},{"text":"Okay.","start":1494.625,"end":1495.125,"sentiment":"neutral","sentiment_score":0.06782381981611252}],"sentiment":"neutral","sentiment_score":-0.021739503368735313,"channel":0,"num_words":26,"start":1489.21,"end":1495.125},{"sentences":[{"text":"Okay.","start":1495.82,"end":1496.32,"sentiment":"neutral","sentiment_score":0.09051160514354706},{"text":"Yep.","start":1496.46,"end":1496.805,"sentiment":"neutral","sentiment_score":0.13871225714683533}],"sentiment":"neutral","sentiment_score":0.11461193114519119,"channel":1,"num_words":2,"start":1495.82,"end":1496.805},{"sentences":[{"text":"Easy.","start":1497.1849,"end":1497.6849,"sentiment":"neutral","sentiment_score":0.1779203712940216},{"text":"Do you have any questions?","start":1497.905,"end":1499.105,"sentiment":"neutral","sentiment_score":0.0868428811430931},{"text":"Does anything kinda come up flagged that you wanted to ask me or break down any further for you?","start":1499.105,"end":1504.405,"sentiment":"neutral","sentiment_score":0.003417315745824262}],"sentiment":"neutral","sentiment_score":0.027082551047205927,"channel":0,"num_words":25,"start":1497.1849,"end":1504.405},{"sentences":[{"text":"Not at all.","start":1504.885,"end":1505.6051,"sentiment":"neutral","sentiment_score":-0.09366606051723163},{"text":"It's good.","start":1505.6051,"end":1506.005,"sentiment":"neutral","sentiment_score":0.2597369849681854},{"text":"Thank you very much.","start":1506.005,"end":1506.9851,"sentiment":"positive","sentiment_score":0.4288362041115761}],"sentiment":"neutral","sentiment_score":0.21709117831455338,"channel":1,"num_words":9,"start":1504.885,"end":1506.9851},{"sentences":[{"text":"No.","start":1507.12,"end":1507.44,"sentiment":"neutral","sentiment_score":0.02246156707406044},{"text":"That's okay.","start":1507.44,"end":1508.24,"sentiment":"neutral","sentiment_score":0.13901329785585403},{"text":"Thank you so much.","start":1508.24,"end":1509.2,"sentiment":"positive","sentiment_score":0.42882250249385834},{"text":"Well, I will let you go.","start":1509.2,"end":1510.4,"sentiment":"neutral","sentiment_score":0.12650423124432564},{"text":"I really appreciate your time this afternoon.","start":1510.4,"end":1512.48,"sentiment":"positive","sentiment_score":0.8562850100653512}],"sentiment":"positive","sentiment_score":0.4384399315342307,"channel":0,"num_words":20,"start":1507.12,"end":1512.48},{"sentences":[{"text":"I thank you for allowing me to put this research together for you.","start":1512.48,"end":1515.76,"sentiment":"positive","sentiment_score":0.8295155671926645},{"text":"Really enjoyed putting this together.","start":1515.76,"end":1517.86,"sentiment":"positive","sentiment_score":0.8657336831092834},{"text":"I'll let you go back and have some time to read it through.","start":1518.5599,"end":1520.64,"sentiment":"positive","sentiment_score":0.5392927733751444},{"text":"And if once you're happy, if you wanna the recommendations on, I'll get you to sign and return that back for us.","start":1520.64,"end":1525.495,"sentiment":"positive","sentiment_score":0.36501621387221594},{"text":"Okay?","start":1525.495,"end":1525.995,"sentiment":"neutral","sentiment_score":0.16624456644058228}],"sentiment":"positive","sentiment_score":0.5614773724918012,"channel":0,"num_words":54,"start":1512.48,"end":1525.995},{"sentences":[{"text":"Okay.","start":1525.955,"end":1526.355,"sentiment":"neutral","sentiment_score":0.18550299108028412},{"text":"Alrighty.","start":1526.355,"end":1526.835,"sentiment":"positive","sentiment_score":0.4570333659648895},{"text":"Thank you very much.","start":1526.835,"end":1527.895,"sentiment":"positive","sentiment_score":0.8200091570615768}],"sentiment":"positive","sentiment_score":0.6537621642152468,"channel":1,"num_words":6,"start":1525.955,"end":1527.895},{"sentences":[{"text":"My pleasure, John.","start":1528.215,"end":1529.1749,"sentiment":"positive","sentiment_score":0.8256673812866211},{"text":"You have a lovely evening.","start":1529.1749,"end":1530.635,"sentiment":"positive","sentiment_score":0.8457133531570434}],"sentiment":"positive","sentiment_score":0.8381961137056351,"channel":0,"num_words":8,"start":1528.215,"end":1530.635},{"sentences":[{"text":"Thank you.","start":1531.395,"end":1532.135,"sentiment":"positive","sentiment_score":0.7616729438304901},{"text":"And you too?","start":1532.195,"end":1533.095,"sentiment":"positive","sentiment_score":0.5103016297022501}],"sentiment":"positive","sentiment_score":0.6108501553535461,"channel":1,"num_words":5,"start":1531.395,"end":1533.095},{"sentences":[{"text":"Thanks so much.","start":1533.4569,"end":1534.257,"sentiment":"positive","sentiment_score":0.7204529643058777},{"text":"I'll talk to you soon.","start":1534.257,"end":1535.2969,"sentiment":"positive","sentiment_score":0.45302882194519045},{"text":"See you later.","start":1535.2969,"end":1536.117,"sentiment":"positive","sentiment_score":0.3897041877110799}],"sentiment":"positive","sentiment_score":0.5086923241615295,"channel":0,"num_words":11,"start":1533.4569,"end":1536.117},{"sentences":[{"text":"Alright.","start":1535.7369,"end":1535.9769,"sentiment":"neutral","sentiment_score":0.2575749158859253},{"text":"Thank you, Diana.","start":1535.9769,"end":1536.937,"sentiment":"positive","sentiment_score":0.5928055842717489},{"text":"Bye.","start":1536.937,"end":1537.437,"sentiment":"positive","sentiment_score":0.34950029850006104}],"sentiment":"positive","sentiment_score":0.47709839344024657,"channel":1,"num_words":5,"start":1535.7369,"end":1537.437},{"sentences":[{"text":"Bye.","start":1537.5369,"end":1538.0369,"sentiment":"neutral","sentiment_score":-0.12085363268852234}],"sentiment":"neutral","sentiment_score":-0.12085363268852234,"channel":0,"num_words":1,"start":1537.5369,"end":1538.0369}]},"summary":{"result":"success","short":"A representative from Okie Financial called John to discuss his updated statement of advice and retirement goals. They discussed the importance of retaining physical gold and reducing risk levels in retirement plans and estate planning services. The speaker recommends reducing fees and ongoing service fees to reduce tax consequences for the super fund, and emphasizes the importance of starting small and building a compounding effect for taxes. They recommend starting small and starting salary sacrificing to achieve retirement goals and emphasize the benefits of starting small and building a compounding effect for taxes. The speaker also emphasizes the importance of beneficiary nominations and offers guidance on setting up a solicitor to make changes to the customer's will and power of attorney."},"intents":{"segments":[{"text":"And just do a quick security check there as well just to confirm your full name, your date of birth, and address I should have on file. John Brighton Gregory Conder.","start_word":210,"end_word":240,"intents":[{"intent":"Confirm security","confidence_score":0.000111566405}]},{"text":"And how's the weather over there at the moment? Is it still cold?","start_word":276,"end_word":288,"intents":[{"intent":"Inquire about weather","confidence_score":0.010614078}]},{"text":"Your goal when we spoke was to try and retire a little bit earlier than '67 if possible. You wanted to draw about a thousand dollars a week in retirement there, and you were comfortable to start looking at maybe making salary sacrifice contributions to sort of build super a little bit faster for you as well. Does that still sound appropriate to your goals?","start_word":605,"end_word":669,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.072964914}]},{"text":"We've also sort of factored in the estate planning side of things, so we wanted to make sure our beneficiary nomination, sorry, is placed on file, making sure that as per your goal, your super is directed a 100% to your spouse in the event that something happens to you.","start_word":686,"end_word":735,"intents":[{"intent":"Discuss estate planning","confidence_score":0.007372715}]},{"text":"And then other personal investments as well. So you do have your SMG shares there. You are happy just keeping those until retirement. So we've scoped the personal investment side out of the advice as well. We can assist you in that area down the track when and if you wanna look at selling or removing those. Okay? Okay.","start_word":1073,"end_word":1131,"intents":[{"intent":"Assist with investments","confidence_score":0.018237663}]},{"text":"So with your super, I essentially went back and reviewed the superannuation as well as the investments within the super there and had a bit of a look at your portfolio. We had noted that some of the investments within the portfolio have been underperforming a little bit. So we wanted to kinda rejig things.","start_word":1186,"end_word":1240,"intents":[{"intent":"Rejig portfolios","confidence_score":0.44548893}]},{"text":"This portfolio is selling off the silver. Silver has had a bit of a downtime this year. It has been underperforming a little bit, so I do wanna look at removing that out for the time being.","start_word":1355,"end_word":1391,"intents":[{"intent":"Remove silver from portfolio","confidence_score":0.21366979}]},{"text":"And then you've also got your Banna Long concentrated equities fund there. Banna Long has been underperforming in everyone's portfolio. We are removing that wholly and replacing the Australian equities portion, so that would be sold completely out for you.","start_word":1392,"end_word":1431,"intents":[{"intent":"Sell anna long","confidence_score":0.059190724}]},{"text":"And this is giving you access to the or exposure to the entire globe minus The US, and that's because we have the S and P 500 noted above within your portfolio there. So the Vanguard or World ex US investment, we wanna hold 8% off and giving you global exposure, which also helps to reduce your risk level within the portfolio there as well. Okay?","start_word":1971,"end_word":2036,"intents":[{"intent":"Invest globally","confidence_score":0.0022203904}]},{"text":"And these investments have shown over the past five years. They've had a greater level of of returns and which can, you know, in the future, provide a greater level of future performance depending on market conditions there.","start_word":2403,"end_word":2440,"intents":[{"intent":"Improve portfolio performance","confidence_score":0.009168288}]},{"text":"At the moment, you've got a bit over 2% cash there. We only wanna hold about 1.25% cash, so we wanna buy about $3,716 into investments.","start_word":2526,"end_word":2551,"intents":[{"intent":"Hold cash","confidence_score":0.020926652}]},{"text":"At the moment, you've got a bit over 2% cash there. We only wanna hold about 1.25% cash, so we wanna buy about $3,716 into investments. So we're gonna take a bit of cash and reinvest that for you as well. Okay?","start_word":2526,"end_word":2567,"intents":[{"intent":"Reinvest","confidence_score":0.4101898}]},{"text":"If you scroll down to page number 20, I can actually show you the main reason for me making these recommendations for you. Yep.","start_word":2571,"end_word":2594,"intents":[{"intent":"Make recommendations","confidence_score":0.6581478}]},{"text":"So by retaining HUB 24 and just making the changes to your portfolio, we can limit the CGT costs for you.","start_word":2686,"end_word":2706,"intents":[{"intent":"Limit ctg costs","confidence_score":0.0086247595}]},{"text":"So by moving into the newer portfolio, we're actually saving you for the first year $1,952 in investment fees. So this portfolio was actually a lot cheaper than your current portfolio, which is really good. That's more money sitting in your super working harder for you at the end of the day there as well. Yep.","start_word":2983,"end_word":3038,"intents":[{"intent":"Improve portfolio performance","confidence_score":0.08217582}]},{"text":"So I did make a recommendation that you do start salary sacrificing $50 per week. We'll start small. And then as your comfort level changes, as you sort of have a bit more money or expendable income or maybe comfortable increasing that down the track, then we can always review and increase that salary sacrifice recommendation further forward. Does that make sense?","start_word":3382,"end_word":3443,"intents":[{"intent":"Review recommendations","confidence_score":0.0030069526}]},{"text":"It'd be great to see in about five years for you to have anywhere over 6 to 700,000 in steeper, and over the next ten years to end up with a little bit more there. So I'd Yep.","start_word":3627,"end_word":3664,"intents":[{"intent":"Discuss job benefits","confidence_score":0.00014155857}]},{"text":"It'd be great to see in about five years for you to have anywhere over 6 to 700,000 in steeper, and over the next ten years to end up with a little bit more there. So I'd Yep. love to see how things grow, and, obviously, I'll keep reviewing things with you on a regular basis to make sure they are working harder.","start_word":3627,"end_word":3689,"intents":[{"intent":"Discuss portfolio growth","confidence_score":0.03501499}]},{"text":"about looking at past data and projecting where you could be. But this newer portfolio taking into all accounts can put you in a much greater position moving forward, which is what I wanted see. Okay? Yep.","start_word":3751,"end_word":3787,"intents":[{"intent":"Discuss past data","confidence_score":0.112833835},{"intent":"Discuss past data","confidence_score":0.0014010266}]},{"text":"The next couple of pages down, just sort of note that we are recommending the salary sacrifice option starting with $50 a week.","start_word":3845,"end_word":3867,"intents":[{"intent":"Recommend salary sacrifice option","confidence_score":0.17286105},{"intent":"Discuss salary sacrifice option","confidence_score":0.13540877}]},{"text":"The other advantage of starting smaller is that life is expensive. There's no you know, cost of groceries is phenomenal just on its own these days. So starting with something smaller, because it does have an effect on your take home pay, can essentially mean you can get used to the difference in your income, and then we can build on that salary sacrifice down the track for you if that makes sense.","start_word":3930,"end_word":4002,"intents":[{"intent":"Discuss cost savings","confidence_score":0.14300859}]},{"text":"You'll probably get a notification or two to let you know that we're making those changes in the back end, and then my team can provide the salary sacrifice letter to you for you to hand to your employer to have that change made when you're ready to do so.","start_word":4404,"end_word":4453,"intents":[{"intent":"Update investments and documents","confidence_score":0.00005204743}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, John. This is Dana from Okie Financial. How are you this afternoon?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.15365804731845856},{"text":"I'm not too bad. Thanks, Donna. Donna. That's good.","start_word":14,"end_word":22,"sentiment":"positive","sentiment_score":0.4728662669658661},{"text":"No. You're right.","start_word":23,"end_word":25,"sentiment":"neutral","sentiment_score":0.2173877060413361},{"text":"All good.","start_word":26,"end_word":27,"sentiment":"positive","sentiment_score":0.49249267578125},{"text":"I had you booked in just to run through your updated statement of advice. Is now still a good time there for you? Yep. Yeah.","start_word":28,"end_word":52,"sentiment":"neutral","sentiment_score":0.2640136480331421},{"text":"Fantastic.","start_word":53,"end_word":53,"sentiment":"positive","sentiment_score":0.4900045096874237},{"text":"Do you have access to your email, sir, at the moment as well? Yeah. I'm doing my fine. Yep. Yeah.","start_word":54,"end_word":73,"sentiment":"neutral","sentiment_score":0.1948089599609375},{"text":"Fantastic. I'm just gonna email this document through to you there just so you can run through it with me.","start_word":74,"end_word":93,"sentiment":"positive","sentiment_score":0.35723549127578735},{"text":"Hopefully, the Internet works in our favor and it comes through fairly quickly. I'll check my spam call this time as well. Yeah. Legend. All good. There we go. I've just pressed send on that one. How's your day been so far? Not too bad. I'm on nausea, so I've been asleep. Oh, wow. Hope you had a good rest Yeah. It's for been alright, actually. the Yeah. For once. Yeah. day.","start_word":94,"end_word":165,"sentiment":"neutral","sentiment_score":0.08366446942090988},{"text":"Oh, that's really good. That's excellent.","start_word":166,"end_word":171,"sentiment":"positive","sentiment_score":0.446790486574173},{"text":"Just while that is coming through to you, John, there, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep. Yeah. Yep.","start_word":172,"end_word":208,"sentiment":"neutral","sentiment_score":0.16437289118766785},{"text":"Fantastic.","start_word":209,"end_word":209,"sentiment":"positive","sentiment_score":0.3965188264846802},{"text":"And just do a quick security check there as well just to confirm your full name, your date of birth, and address I should have on file. John Brighton Gregory Conder. '6 Yep. of the fifth nine seventy nine. Yep. I think that was Perfect. right. Yeah. You're right. You And we met did a ridge one day at Geraldton. well. Legend. Thank you so much. And how's the weather over there at the moment? Is it still cold? Geraldton is almost up in Port Hedland, so at home. Yeah. Wow. At work, though, it's it's rather warm today, more from what Oh, I've seen. yeah. Wow. Well, hopefully, the I know in summer, it kinda gets really hot over there. You end up with really cold winters and really hot summers. So, hopefully, Yep. the the sun stays out for you. Yeah. It's been I a bit think it's not not in Port Hedland. It it's rather hot and humid up here. So yeah. Wow. The north, alright. Yes. I have the email.","start_word":210,"end_word":383,"sentiment":"neutral","sentiment_score":0.042691017811497055},{"text":"Fantastic. Excellent.","start_word":384,"end_word":385,"sentiment":"positive","sentiment_score":0.5507597923278809},{"text":"So when you open that one up there, you should see a button that says sign here. If you click that and move on through, it'll take you over to the advice document. I will never ask you to sign anything you haven't read, so we'll go through it before I ask you to sign anything. Okay. Yep. Yep. I've got it.","start_word":386,"end_word":447,"sentiment":"neutral","sentiment_score":0.10382836312055588},{"text":"Fantastic. Beautiful.","start_word":448,"end_word":449,"sentiment":"positive","sentiment_score":0.6099655628204346},{"text":"So on the front page, it has statement of advice prepared for yourself as of the 08/11/2026. All of our advice documents are valid for sixty days from the date on the document there, so you do have time to review it prior to taking you onboard any advice provided. And on the bottom of the front page has my authorized representative numbers. The advice has been provide provided by myself and my lovely team here. And as a registered adviser with ASIC, my number is 1304394. Okay? Okay. If you scroll through the other pages there, we've got the best interest, Judy. So just letting you know that any advice we do provide is to be provided to meet your goals and and the best interest that is all part of the corporations act. On page number three onwards, we have the areas of where we're scoping. So we're looking at areas of superannuation. Your goal when we spoke was to try and retire a little bit earlier than '67 if possible. You wanted to draw about a thousand dollars a week in retirement there, and you were comfortable to start looking at maybe making salary sacrifice contributions to sort of build super a little bit faster for you as well. Does that still sound appropriate to your goals? Do you think anything might have changed there currently? No. That still sounds alright. Yep.","start_word":450,"end_word":684,"sentiment":"neutral","sentiment_score":0.077666737139225},{"text":"Beautiful.","start_word":685,"end_word":685,"sentiment":"positive","sentiment_score":0.7804800271987915},{"text":"We've also sort of factored in the estate planning side of things, so we wanted to make sure our beneficiary nomination, sorry, is placed on file, making sure that as per your goal, your super is directed a 100% to your spouse in the event that something happens to you. And it is really important that you do review a will and power of attorney and speak to a a qualified solicitor to have those documents prepared and drawn up to protect anything else that you've worked so hard for down the track. So we do scope in the estate planning side to make sure everything is correctly noted there for you as well. Okay. Areas on the next page, page number five, what we are scoping out, so not looking at debt currently. You are hoping to pay off the loan before retirement day. You may have meant you were happy just tipping away at that at the moment. If down the track you did wanna look at additional advice, let me know. But for the moment, we've scoped that out just focusing on the superannuation side of things currently. Yep. The insurances are scoped out as well. So one of the things that we spoke about in your annual review was you may have mentioned you thought you had some insurances with Macquarie. After the call, you came back, maybe mentioned that you spoke to your wife and checked. You no longer have those insurances. So it does mean at the moment you don't have any life, TPD, income protection, or trauma cover. I've scoped that out for the time being. Do you feel that you're okay not having those sorts of insurance? Did you wanna sort of come back and reassess the levels of cover and incorporate that to the advice, or are you sort of happy just focusing on super at the moment? What's your thoughts I'm happy there? just focusing on the super at the moment. Yep.","start_word":686,"end_word":1017,"sentiment":"neutral","sentiment_score":0.04273577779531479},{"text":"Absolutely. That's okay.","start_word":1018,"end_word":1020,"sentiment":"positive","sentiment_score":0.34543052315711975},{"text":"If you are sort of thinking about things and you wanna come back and review, you know, a level of cover that you need or talk about more about those insurances, please let me know.","start_word":1021,"end_word":1055,"sentiment":"neutral","sentiment_score":0.15422074496746063},{"text":"I can definitely help you and make sure you are covered as well.","start_word":1056,"end_word":1068,"sentiment":"positive","sentiment_score":0.5163872838020325},{"text":"Yeah. Okay? Yep.","start_word":1069,"end_word":1071,"sentiment":"neutral","sentiment_score":0.1596713811159134},{"text":"Excellent.","start_word":1072,"end_word":1072,"sentiment":"positive","sentiment_score":0.7183011770248413},{"text":"And then other personal investments as well. So you do have your SMG shares there.","start_word":1073,"end_word":1087,"sentiment":"neutral","sentiment_score":0.28102293610572815},{"text":"You are happy just keeping those until retirement.","start_word":1088,"end_word":1095,"sentiment":"positive","sentiment_score":0.4010917246341706},{"text":"So we've scoped the personal investment side out of the advice as well. We can assist you in that area down the track when and if you wanna look at selling or removing those. Okay? Okay.","start_word":1096,"end_word":1131,"sentiment":"neutral","sentiment_score":0.1172955557703972},{"text":"Excellent.","start_word":1132,"end_word":1132,"sentiment":"positive","sentiment_score":0.6029293537139893},{"text":"To make things a little bit easier for you, if you sort of scroll down for me so sorry. To page number 17, I'll take you through the advice, and then you're welcome to definitely go back and read all the other pages ahead just to make things easier on you.","start_word":1133,"end_word":1183,"sentiment":"neutral","sentiment_score":0.2804340422153473},{"text":"Yep. Beautiful.","start_word":1184,"end_word":1185,"sentiment":"positive","sentiment_score":0.43616414070129395},{"text":"So with your super, I essentially went back and reviewed the superannuation as well as the investments within the super there and had a bit of a look at your portfolio. We had noted that some of the investments within the portfolio have been underperforming a little bit. So we wanted to kinda rejig things. Essentially, portfolios that were built a couple of years ago were built because they were working back then, but every so often, it is important to shake things up a little bit, over the portfolio and sort of make sure things are working as hard as possible for you as markets and trends change within the market environment there. So this is essentially showing you what I wanna change with your sofa. Essentially, the newer portfolio means that we are looking to retain physical gold. I do wanna increase your exposure to about 10% there. You're sitting at about 5.40% there at the moment, so we'd be buying a little bit more gold. Yep. This portfolio is selling off the silver. Silver has had a bit of a downtime this year. It has been underperforming a little bit, so I do wanna look at removing that out for the time being. And then you've also got your Banna Long concentrated equities fund there. Banna Long has been underperforming in everyone's portfolio. We are removing that wholly and replacing the Australian equities portion, so that would be sold completely out for you. The Vanguard diversified index fund, you currently hold 9%. We are removing that as we've kind of worked out a way to hold defensive assets for you, but also keep the portfolio low cost. So this new portfolio removes that investment solely. The cybersecurity portion, at the moment, this year has been a bit up and down there. We wanna hold about 5% in the sort of portfolio you're in, and you currently have about 6% there at the moment. So we just wanna sell some of that off, and reinvest the funds elsewhere. So it's just rebalancing the cybersecurity portion of your portfolio back to 5%. Battery and lithium tech has had some great years there. This year, again, hasn't done too badly, but the portfolio that we're moving into provides greater diversification, so we are looking to remove that completely from the portfolio. And then the the Morningstar Global Tech as well. Tech has been a bit up and down this year, so this portfolio is to remove that and invest in tech in other ways to make it ease cheaper for you, but also look at a better performing portfolio. So I'm gonna sell all of that off out of your portfolio. We're going to buy into Europe. This investment, the iShares Europe, is giving you access and exposure to all 16 European countries there. We wanna hold about 8% of the portfolio, so we're gonna buy some more of that investment. You've only got about 5% there currently. We've also got the S and P 500. You currently hold 24.50%. We wanna hold about 30%. The US market has been a bit up and down, but this investment is still really good to hold. When you think about markets, The US does have a lot of volatility and go up and down, but you do get a lot of growth out of The US market.","start_word":1186,"end_word":1750,"sentiment":"neutral","sentiment_score":0.02177510298458876},{"text":"So holding access to the S and P 500 is still a good place to be invested.","start_word":1751,"end_word":1767,"sentiment":"positive","sentiment_score":0.44948533177375793},{"text":"So we're gonna buy some more of that investment. Okay? Okay. We've got the Asia iShares Asia investment. You currently hold 4% there at the moment because we do hold, You currently hold 4% there at the moment because we do hold the iShares in Europe, and we are increasing the exposure there. We're just selling off the Asia exposure. We can kind of keep that in in amongst the other areas. You've also got the Vanguard Australian fixed interest investment hold about 6% there.","start_word":1768,"end_word":1852,"sentiment":"neutral","sentiment_score":0.09547552746884964},{"text":"We found a a a more low cost way to sort of incorporate defensive investments into your portfolio, so we're gonna sell all of that fixed interest investment down.","start_word":1853,"end_word":1881,"sentiment":"positive","sentiment_score":0.336772620677948},{"text":"We're gonna buy into the Japanese market. There has been quite a lot happening and trending, especially with what's been happening with China. So high global tensions there, essentially. So Japan is definitely a place of growth. So we wanna hold about 5% of Japanese market. And then we've got the Vanguard or World x US investment. So one of the biggest things one of the things we wanna be able to do is diversify your portfolio, not only across different industries and asset classes, but across different countries. And this is giving you access to the or exposure to the entire globe minus The US, and that's because we have the S and P 500 noted above within your portfolio there. So the Vanguard or World ex US investment, we wanna hold 8% off and giving you global exposure, which also helps to reduce your risk level within the portfolio there as well. Okay? Yep. And then we've got the BetaShares Australia 200. So because we are removing the Bennelong Australian equities investment, that investment generally held between 15 to 25 different investments depending on what the investment manager within Bennelong was looking to hold. By selling that underperforming investment, we still wanna hold some Australian equities. So we're buying the beta a 200.","start_word":1882,"end_word":2096,"sentiment":"neutral","sentiment_score":0.19851984083652496},{"text":"This is giving you exposures to the top 200 companies on the ASX. So it's actually giving you more diversification, helping to lower your overall risk with your portfolio. It is also essentially a cheaper investment.","start_word":2097,"end_word":2132,"sentiment":"positive","sentiment_score":0.4347037374973297},{"text":"So Bannalong was more of an actively managed fund, whereas this is more of a passively managed fund. When you think about investments over the longer term, while active managers can outperform the market, they don't always do that and often have years where they absolutely underperform, whereas being invested in a passive portfolio tends to outperform the market as a or outperform active managers as a whole and tends to provide a greater level of return when you remain invested through the ups and downs without trying to time and pick the market there. So having exposure to the Australian market in the a 200 is giving you a passive investment. Sorry.","start_word":2133,"end_word":2245,"sentiment":"neutral","sentiment_score":0.12956733981856203},{"text":"It's also giving you greater diversification, and it's also a cheaper investment. So it's helping to lower the cost of your portfolio as well.","start_word":2246,"end_word":2269,"sentiment":"positive","sentiment_score":0.4972558617591858},{"text":"Does that make sense? Do you have any questions so far? No. No. No. It don't make sense. Excellent. And then the last one on the next page is the core composite bonds. So at the moment, you're in that growth environment. So you generally have 80% invested in those growth assets, and we still wanna have 20% in low risk defensive investments. So keeping core composite bonds is giving you access and exposure to both government and corporate bonds.","start_word":2270,"end_word":2349,"sentiment":"neutral","sentiment_score":0.09879108518362044},{"text":"Bonds are really good as a defensive investment.","start_word":2350,"end_word":2357,"sentiment":"positive","sentiment_score":0.3880731463432312},{"text":"They pay income, which is paid into your cash account and then reinvested back into your portfolio for compounding as well.","start_word":2358,"end_word":2378,"sentiment":"neutral","sentiment_score":0.2773471772670746},{"text":"So this is helping to lower the overall risk of your portfolio, provide greater diversification, but also a lower cost option to your portfolio. And these investments have shown over the past five years. They've had a greater level of of returns and which can, you know, in the future, provide a greater level of future performance depending on market conditions there.","start_word":2379,"end_word":2440,"sentiment":"positive","sentiment_score":0.3947725296020508},{"text":"So these are the changes that I'm making to your portfolio. Obviously, anything in the red is what we're gonna be selling down. Anything in the green is what we're gonna be purchasing. And then the very last target column essentially shows you at the end of those changes what you should end up with and how much you should have invested in each of those investments, if that makes sense. Yep.","start_word":2441,"end_word":2512,"sentiment":"neutral","sentiment_score":0.09201254695653915},{"text":"Beautiful.","start_word":2513,"end_word":2513,"sentiment":"positive","sentiment_score":0.4602399468421936},{"text":"On the next page there, you'll also see your cash account. At the moment, you've got a bit over 2% cash there. We only wanna hold about 1.25% cash, so we wanna buy about $3,716 into investments. So we're gonna take a bit of cash and reinvest that for you as well. Okay? Okay. Yep. Yep.","start_word":2514,"end_word":2569,"sentiment":"neutral","sentiment_score":0.08905098760234458},{"text":"Beautiful.","start_word":2570,"end_word":2570,"sentiment":"positive","sentiment_score":0.692925751209259},{"text":"If you scroll down to page number 20, I can actually show you the main reason for me making these recommendations for you. Yep.","start_word":2571,"end_word":2594,"sentiment":"neutral","sentiment_score":0.30341047048568726},{"text":"Beautiful.","start_word":2595,"end_word":2595,"sentiment":"positive","sentiment_score":0.5369411706924438},{"text":"So this is your fee comparison table. Essentially, the first column shows your current balance within hub twenty four. So I did look at all the other super funds as well as hub twenty four and noted that, realistically, this was the best option to stay and remain within hub twenty four. Then I had a look by by, say, if we were to sell all of your portfolio down and move you to another platform, we would have triggered CGT inside super as a bit of a $5,533 there. So by retaining HUB 24 and just making the changes to your portfolio, we can limit the CGT costs for you. And if you have a look at the differences column there, the balance between the current portfolio and the recommended, there's no difference there. So these changes that I recommend that we make above actually don't have any tax consequences for your super. There's no CDT for that unlike sort of a bit like yourself. Your super fund does a tax return every year, so they do pay income tax and CDT tax when investments are purchased and sold in the back end. So I was able to go back and have a look at trying to move your portfolio around, rebalance things, and make changes to your portfolio, but make it so your super fund has no tax consequences within the funds. So it has less of an effect on your super balance. Does that make sense? That that was it. Yep.","start_word":2596,"end_word":2849,"sentiment":"neutral","sentiment_score":0.14160911738872528},{"text":"Thank you.","start_word":2850,"end_word":2851,"sentiment":"positive","sentiment_score":0.45072686672210693},{"text":"Yeah.","start_word":2852,"end_word":2852,"sentiment":"neutral","sentiment_score":0.2643536329269409},{"text":"That's okay. All good.","start_word":2853,"end_word":2856,"sentiment":"positive","sentiment_score":0.3757323026657105},{"text":"Within the current scenario and the recommended column there, you'll see there's no change to the administration fees. That is because we are keeping hub 24. There's been no real differences. There's no real need to change the investment platform that your super is in at the moment. It's just about making sure that your portfolio is working harder for you. I always sort of say to people, you know, super fund that you're in is essentially the vehicle. It's a bit like your car. What really makes your car run is the fuel, and that's essentially the investments and the contributions that are made to the funds. So keeping how 24 is still suited. The investment fee, you'll see a bit of a difference there.","start_word":2857,"end_word":2982,"sentiment":"neutral","sentiment_score":0.06338471354591468},{"text":"So by moving into the newer portfolio, we're actually saving you for the first year $1,952 in investment fees. So this portfolio was actually a lot cheaper than your current portfolio, which is really good. That's more money sitting in your super working harder for you at the end of the day there as well.","start_word":2983,"end_word":3037,"sentiment":"positive","sentiment_score":0.5963959693908691},{"text":"Yep. Yeah. There's also the ongoing service fee. So we do charge an ongoing service fee for our services. It's 1.65% there. That obviously does factor in growth, so we do see that grow by a little over $200 per year. Our ongoing service fee moving forward will change as well. So as you as your balance increases, we're gonna have a tier structure. Right now, we're keeping you on the same fee that you're on at the moment. But as of next year, it will sort of change where when you get to a balance of 200,000, which yours is over, the tiered structure will come into place. So as your balance hits a different tier, the fee will actually decrease. Does that make sense? Okay. Yep. Yeah. That will come into play next year. This is your ongoing service fee is at the same as it has always been for this year just because we've obviously, you know, already put that into place there for you, but I'll go through that in a lot more detail down the track. But part of the ongoing service fee is just making sure that we're providing advice and updating advice to make sure you stay on track towards meeting your goals. All of that ongoing advice documents are included in the ongoing service fee as well, so we don't charge implementation fees for additional advice around Super as well. Okay? It's all incorporated into our services there. Yep. Okay. The other thing is the contribution. So I have had a look. I'm making a recommendation that you do increase your contributions and start salary sacrificing about $50 per week in the super.","start_word":3038,"end_word":3318,"sentiment":"neutral","sentiment_score":0.15951976774001886},{"text":"By starting that now, you can increase your super and have a much greater effect. Essentially, starting that now means that you're putting more higher amounts or more money into super on a regular basis for the compounding effect, which over the course of time towards your retirement goals, and '60, '65, or '67 can definitely put you into a greater place there.","start_word":3319,"end_word":3381,"sentiment":"positive","sentiment_score":0.49717336893081665},{"text":"So I did make a recommendation that you do start salary sacrificing $50 per week. We'll start small. And then as your comfort level changes, as you sort of have a bit more money or expendable income or maybe comfortable increasing that down the track, then we can always review and increase that salary sacrifice recommendation further forward. Does that make sense? Yep. Yep.","start_word":3382,"end_word":3445,"sentiment":"neutral","sentiment_score":0.21418215334415436},{"text":"Beautiful.","start_word":3446,"end_word":3446,"sentiment":"positive","sentiment_score":0.5880144238471985},{"text":"The other really important thing is the in the investment portfolio and essentially the returns. So when I looked at your current portfolio and how that has averaged over the past five years, it's averaged about 6.31%.","start_word":3447,"end_word":3483,"sentiment":"neutral","sentiment_score":0.2690555155277252},{"text":"So keeping you in that growth environment, the newer portfolio has averaged 11.39% over the past five years. So this newer portfolio is cheaper, not causing any capital gains consequences for your super fund and has shown a greater level of performance. And then that coupled with increasing and adding some salary sacrifice in there, if you look down at the projection table below, you can actually see it should put you in a much greater position. So this is a projection based on all the factors above, noting that if the market can perform and if the portfolio can obtain what it has over the past five years with all the other factors included over the next five to ten years, you can sort of see where you should be based on the recommended changes.","start_word":3484,"end_word":3619,"sentiment":"positive","sentiment_score":0.4471207559108734},{"text":"Does that make sense? Yes. Yeah.","start_word":3620,"end_word":3625,"sentiment":"neutral","sentiment_score":0.18013793230056763},{"text":"It'd be great to see in about five years for you to have anywhere over 6 to 700,000 in steeper, and over the next ten years to end up with a little bit more there. So I'd Yep. love to see how things grow, and, obviously, I'll keep reviewing things with you on a regular basis to make sure they are working harder.","start_word":3626,"end_word":3688,"sentiment":"positive","sentiment_score":0.4865974485874176},{"text":"I do like to make sure we're aware projection tables are just projections, so markets could definitely have an effect. And there's no guarantee that you're gonna get 11.39%. We know some years, it might be 20%. Some years, it might be a negative percent. We might get 2%, and we might get a 7% there as well. So it's just Yep. about looking at past data and projecting where you could be.","start_word":3689,"end_word":3761,"sentiment":"neutral","sentiment_score":0.16468040645122528},{"text":"But this newer portfolio taking into all accounts can put you in a much greater position moving forward, which is what I wanted see.","start_word":3762,"end_word":3785,"sentiment":"positive","sentiment_score":0.48931416869163513},{"text":"Okay? Yep. No. Sounds good. Beautiful. Do you have any questions? I'm so sorry. I'm like this crazy super lady who just loves talking about random stuff. Is No. there Not anything that really you good. you wanted to sort of ask me at all, John, there at all? No. Not. It still sounds No. good. Thanks.","start_word":3786,"end_word":3842,"sentiment":"neutral","sentiment_score":-0.04139897972345352},{"text":"Fantastic. Excellent.","start_word":3843,"end_word":3844,"sentiment":"positive","sentiment_score":0.4339834749698639},{"text":"The next couple of pages down, just sort of note that we are recommending the salary sacrifice option starting with $50 a week. When we spoke last time, it was more in your comfort level.","start_word":3845,"end_word":3879,"sentiment":"neutral","sentiment_score":0.1883937269449234},{"text":"So starting smaller and building that compounding effect over time, starting now is gonna have a much greater effect on your super rather than starting in five or ten years down the track.","start_word":3880,"end_word":3912,"sentiment":"positive","sentiment_score":0.4080986976623535},{"text":"So, I'd like to start that now for you and keep reviewing that as time goes on. The other advantage of starting smaller is that life is expensive.","start_word":3913,"end_word":3940,"sentiment":"neutral","sentiment_score":0.3170393109321594},{"text":"There's no you know, cost of groceries is phenomenal just on its own these days. So starting with something smaller, because it does have an effect on your take home pay, can essentially mean you can get used to the difference in your income, and then we can build on that salary sacrifice down the track for you if that makes sense.","start_word":3941,"end_word":4002,"sentiment":"positive","sentiment_score":0.3776657283306122},{"text":"Okay?","start_word":4003,"end_word":4003,"sentiment":"neutral","sentiment_score":0.1126384139060974},{"text":"Yep. Excellent. The advantages of salary sacrifice are, obviously, that you are putting more money into super, and it does have an effect on your taxes. Salary sacrifice is a pretax deduction from your income, so it does help to reduce your tax paid on your income as well. We'll see at $50. It would be very minimum to start with.","start_word":4004,"end_word":4064,"sentiment":"positive","sentiment_score":0.5224714279174805},{"text":"But, I mean, look, any tax saving, you pay way too much tax.","start_word":4065,"end_word":4077,"sentiment":"neutral","sentiment_score":0.10542303323745728},{"text":"We all do. So any tax saving you can make on your income is only a benefit to you at the end of the day. Yep. Excellent.","start_word":4078,"end_word":4104,"sentiment":"positive","sentiment_score":0.4193205535411834},{"text":"And then the last part there is just making sure your beneficiary nominations are set up. This is on page number 25 there for you. So I'll get my team to make sure the beneficiary nominations are sent out, that we do pre fill the form for you, making sure that a 100% of your benefit is paid to Kylie in the event that something occurs. I've got her noted as your spouse, and we look to doing a binding non lapsing nomination so that we put that in place now, and then you and I review that moving forward and make changes if and when they ever needed to down the track. Okay?","start_word":4105,"end_word":4218,"sentiment":"neutral","sentiment_score":0.2877378761768341},{"text":"Beautiful. That is essentially the base of the recommendations.","start_word":4219,"end_word":4227,"sentiment":"positive","sentiment_score":0.4844062924385071},{"text":"The only other last part is just making sure you do speak to a solicitor to have your will and power of attorney drawn up. My team can always send you some additional information if you would like to, but it is definitely important your super beneficiaries look after your super. But then everything else that you've got, your home, your contents, your cars, your savings accounts, everything else that you've worked just as hard for should also be protected. And that is all done as part of your estate planning through setting up a will and a power of attorney to make sure that if anything happens to you, that you have someone that you've nominated to make decisions on your behalf and that that person knows how you would like them to act on your behalf in the event that something occurs to you. Okay. Yep.","start_word":4228,"end_word":4375,"sentiment":"neutral","sentiment_score":0.27392446994781494},{"text":"Beautiful.","start_word":4376,"end_word":4376,"sentiment":"positive","sentiment_score":0.6344295144081116},{"text":"Essentially, if you decide to take on the recommendations, the way this will work is we'll start by making the super switch first. We'll switch the investments. You'll probably get a notification or two to let you know that we're making those changes in the back end, and then my team can provide the salary sacrifice letter to you for you to hand to your employer to have that change made when you're ready to do so. We'll review that on a regular basis. My team will pre fill beneficiaries and have those sent out, and then we can always refer you to our solicitor if you require those require that down the track to your estate planning side of things as well. Okay? Okay.","start_word":4377,"end_word":4501,"sentiment":"neutral","sentiment_score":0.09303376823663712},{"text":"Excellent. Like, that is essentially all the recommendations there. I try to make it as easy as possible.","start_word":4502,"end_word":4519,"sentiment":"positive","sentiment_score":0.4216638803482056},{"text":"You do have a chance to go back and have a read to the document prior. I do have all the recommendations outlined on each of the pages there with the advantages, disadvantages, risks involved, and any alternatives that I've considered as part of the research there for you as well. And depending on how much you enjoy reading, I've also got the product disclosure statements attached to the email for you as well for hub twenty four and our financial services guide, which has been updated as well. Okay? Okay. Yep.","start_word":4520,"end_word":4611,"sentiment":"neutral","sentiment_score":0.1983361393213272},{"text":"Beautiful.","start_word":4612,"end_word":4612,"sentiment":"positive","sentiment_score":0.429612398147583},{"text":"If you're happy once you're read through, if you're happy to take the recommendations, we'll just ask that you sign and return the document back. If there is any part of the recommendations that you choose not to take on board, on the last page, we do have a box. It's called multiline, I'm pretty sure. Yep. And, essentially, you just make a note in there if there's a section of the advice that you're choosing not to take on board, essentially. Okay. Okay. Yep. Easy. Do you have any questions? Does anything kinda come up flagged that you wanted to ask me or break down any further for you? Not at all. It's good.","start_word":4613,"end_word":4727,"sentiment":"neutral","sentiment_score":0.06801166385412216},{"text":"Thank you very much.","start_word":4728,"end_word":4731,"sentiment":"positive","sentiment_score":0.4255147874355316},{"text":"No. That's okay.","start_word":4732,"end_word":4734,"sentiment":"neutral","sentiment_score":0.10405733436346054},{"text":"Thank you so much.","start_word":4735,"end_word":4738,"sentiment":"positive","sentiment_score":0.429704874753952},{"text":"Well, I will let you go.","start_word":4739,"end_word":4744,"sentiment":"neutral","sentiment_score":0.13735567033290863},{"text":"I really appreciate your time this afternoon. I thank you for allowing me to put this research together for you. Really enjoyed putting this together. I'll let you go back and have some time to read it through. And if once you're happy, if you wanna the recommendations on, I'll get you to sign and return that back for us.","start_word":4745,"end_word":4804,"sentiment":"positive","sentiment_score":0.5810728073120117},{"text":"Okay? Okay.","start_word":4805,"end_word":4806,"sentiment":"neutral","sentiment_score":0.1758737862110138},{"text":"Alrighty. Thank you very much. My pleasure, John. You have a lovely evening. Thank you. And you too? Thanks so much. I'll talk to you soon. See you later.","start_word":4807,"end_word":4835,"sentiment":"positive","sentiment_score":0.6373186111450195},{"text":"Alright.","start_word":4836,"end_word":4836,"sentiment":"neutral","sentiment_score":0.2575749158859253},{"text":"Thank you, Diana. Bye.","start_word":4837,"end_word":4840,"sentiment":"positive","sentiment_score":0.4984714984893799},{"text":"Bye.","start_word":4841,"end_word":4841,"sentiment":"neutral","sentiment_score":0.18032267689704895}],"average":{"sentiment":"neutral","sentiment_score":0.18268804895891047}}}}