{"metadata":{"transaction_key":"deprecated","request_id":"0ae8d06b-3ea5-4a1b-b049-eddaeb721921","sha256":"4599e2865c40ccc39640e4b5389fc225eccc3858e60e0cb033d4e4d02e6bae40","created":"2026-02-17T06:45:17.584Z","duration":777.74396,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":2959,"output_tokens":102},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3261,"output_tokens":3268},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3261,"output_tokens":504}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon. This is Adrianne. This is Veronica from Financial. How are you this afternoon? Yeah. I'm good. Thanks. I had you booked in for a quick quick catch up to run through this strategy recommendation. Is now still a good time for you? Yeah. Okay. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yeah. Perfect. That's exactly what I have here. And how's your day been so far? Been busy or still working away? Yeah. Well, I will try and make it quick for you. Do you have access to your emails at the moment or or not really? Yeah. Okay. So I've just sent you an email with the documents to go through quickly if you are able to it up. Yeah. No. That's alright. No. That's okay. If you yes. But I do wanna run through it with you first. Yeah. Perfect. And then you can always take your time afterwards. You do have access to it to read through it. And, you know, if you do have any other questions, then you can always just give me a callback. Yeah. No. That's all good. It is pretty straightforward today. A lot of it is just for compliance, so it is very wordy in there for you, but it's just to make sure that you obviously you understand everything and you are happy with it. But, essentially, obviously, following your annual review, I reviewed your Hub twenty four investments to see if we could swap out some that wasn't doing so well, like the Benelung investment for you and get that updated to see if we can, you know, improve the situation a little bit. And then, also, rolling over some of your money from rest that's obviously kept there for your insurances. Just making sure that we have the majority of your funds in the option that's going to give you the most. You kind of remember that conversation? Yeah. Right. Perfect. Now I did speak to rest as well after we spoke because I know you were waiting on that kind of lump sum contribution from your employer, and that was deposited exactly when you said it was on that Friday. So that was all dropped into your account, so that was good. Now as you do have a read through it, you will see on on on the cover page there, you will see my authorized representative number there. That's just basically my license number, and I am obviously licensed under OTU Financial. And everything all the advice and the recommendations that we do, we follow that bench interest duty, which is to make sure that we always act in your best interest at all time. And the advice itself has to put you in a better position. Otherwise, we can't actually make the recommendation. Yep. Now it is valid for a little bit as well. So if you wanna take your time to read over it, you know, you're more than happy to so. Otherwise, it is pretty straightforward just focusing on your superannuation essentially. So when you do have a read over it, you will see kind of your superannuation goals and that we have factored that into the advice. We've only kind of factored in insurances on a limited basis just to show you the impact your current insurances has within superannuation, but we're not making any changes through the the life and keep it in income protecting you have progressed? Yeah. And now when you have a look through it as well, there are a couple of pages with some personal information about you as well just from the fax line. Just have a bit of a read over it, and you know if anything needs updated, just let us know. Perfect. You will see some information in regards to your risk profile as well. So we're not making any changes to your high growth. We are keeping you within the same risk profile, just making a couple of tweaks and changes to your investments. So still very much focusing on maximizing the growth in your superannuation for you, having about that 80% in your growth investments 90, sorry, about 90% in those growth investments, and then about 10% in those defensive. Just trying to make sure we maximize that growth as much as possible, but still having a little bit of those defensive to limit fluctuations a little bit. Yep. Perfect. Now you will see that everything has been outlined for you to make it really nice and easy and also the reasons why we have made the recommendations that we have. It is pretty straightforward, though. We are one of retaining about 15,000 in rest for the time being anyway and making sure we have enough money in there to allow for a bit of market but then also your insurances to come out of it. And it's good that you have your employer contributions going into rest as well. And then kind of every annual review and we when we reassess it, we can then do those partial rollovers into hub 24 if appropriate to make sure, you know, it continues to grow there for you. Yep. Now, basically, you will then see, you know, there are advantages in terms of the recommendation. Obviously, some disadvantages and risks to be mindful of as well. One of risks to be mindful of as well. One of the risk is, you know, there's always a level of risk associated with any investment option. And, obviously, a a disadvantage is that, you know, once we process the payment of rolling that over as quickly as possible, it will be obviously sell down to cash and then transferred over. And, you know, if the market does fluctuate a little bit in that time, that can obviously be a bit of change there for you. It all kind of happens in the back end administrative wise, So, obviously, something to be mindful of. You're following so far, Adrianne? Yes. Perfect. Now there are alternatives considered. So I also did some research on your hub twenty four account just to make sure it's still the best one for you, and it very much is. There are a lot of competitors I had to look at as well, but hub twenty four is very, very much up there in terms of features that you can get for it, but also value for money. And I do have 24 for my personal super as well, and I do think it's it's really good. And, otherwise, I wouldn't tell you to keep it, and I I wouldn't use it myself either. Now the basically, if you scroll, when you do have access to it, you will see kind of an updated projection done for you. So that is on page 17 when you are able to look at it. But it basically puts all the figures on the table to make it nice and easy, and it shows you your current situation that you have in Hub 24, how much you currently have in rest, what you are paying for in fees in total. It also kind of factors in your contributions and your insurances and the investment returns. So the combined investment return on your current situation, if we use a three year rolling average, is 14.2%. So it's still doing pretty good. That's obviously using historical data. Things are always changing. So we've recently seen that been along kind of underperforming, so we do wanna switch that one out. I've made a couple of other changes I'll go through with you shortly. But, basically, the the new portfolio, the new recommendation, using the same three year rolling average period, has performed at 16.47%. So a little bit better by 3.36, which does make a difference, investment fees a little bit cheaper as well, which which is nice. Now I do wanna let you know that by making the change, because we are selling some investments, there are a little bit of a capital gains tax that will be paid within super. It's only about $398. It's all from that. But just because, obviously, we're selling and rebuying investments, I do wanna just let you know that if you see that that's what that is. But, otherwise, when it comes to the investment there for you, the investment philosophy, everything stays the same. A majority of your vest investments are actually staying. It is just making a couple of changes. So the the one that we're kind of selling down is that Benelon Australian Equities because it has kind of underperformed a little bit. And we're basically doing a straight swap through another managed fund also focusing on Australian equities, and it's called Alfiniti. So very similar kind of concept, very similar investment styles and everything like that. It's just kind of a little bit cheaper and performed a little bit better for you. So it's still keep keeping everything else the same. Does that all make sense? Yeah. Perfect. So pretty straightforward. When it comes through the asset allocation, like I said, keeping everything aligned with that high growth portfolio, not making any changes. And, basically, the the last thing is obviously the fee. So if you do wanna go ahead and, you know, make the change of swapping that investment and rolling some of the money over from rest, there is no additional fees associated with that. That's all part of the ongoing advice fee. So no additional fees. Just that 1.65 from superannuation. That's just part of the service. Yeah. I see. Does that all make sense? Do you have any questions at all there? Yeah. Yes. And today was pretty straightforward because we're not changing too much. It's literally just just amending some of those investments and enrolling some money over that to help us. Yes. It does. Yes. Yes. So, obviously, from here on, Esa, if you if you are happy to go ahead with the change, I will just need you to sign the documents when you do get a chance. You can just click on that link, and it will ask you to draw your signature. Once that's been completed, it'll send it back to me, and I will let the team know to process that. But, obviously, because you haven't had a chance to look at it because you're on the bus, if you wanna take some time and read over it when you get home or in the next couple of days as well, by all means, you're more than welcome to do that. If you have any other questions, then you can always give me a callback. Or if you do have a read over it and it all makes sense, you can always sign that again, and then we get notified. Yeah. Yeah. Yeah. Yeah. No problem at all. Yeah. Yeah. Yeah. It throws your day. What's happening? Is that much longer for you? Is that oh, it's just still still a bit of time. Yeah. Well, obviously, good luck with it, and, hopefully, you know, you do get called if you would like it. Or if not, at least you know, so you can decide what to do. But like I said, Adrian, any questions when you have a read through the documents, just let me know. But, otherwise, I will keep a lookout for that document, and we can get that all processed for you. Perfect. No problem at all. I hope you have a lovely afternoon. And anything else that you need, let me know. Mhmm. Thanks, Adrian. You too. 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ranscript":"\nGood afternoon. This is Adrianne. This is Veronica from Financial. How are you this afternoon? Yeah.\n\nI'm good. Thanks. I had you booked in for a quick quick catch up to run through this strategy recommendation. Is now still a good time for you? Yeah.\n\nOkay. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?\n\nYeah. Perfect. That's exactly what I have here. And how's your day been so far? Been busy or still working away?\n\nYeah. Well, I will try and make it quick for you. Do you have access to your emails at the moment or or not really? Yeah. Okay.\n\nSo I've just sent you an email with the documents to go through quickly if you are able to it up. Yeah. No. That's alright. No.\n\nThat's okay. If you yes. But I do wanna run through it with you first. Yeah. Perfect.\n\nAnd then you can always take your time afterwards. You do have access to it to read through it. And, you know, if you do have any other questions, then you can always just give me a callback. Yeah. No.\n\nThat's all good. It is pretty straightforward today. A lot of it is just for compliance, so it is very wordy in there for you, but it's just to make sure that you obviously you understand everything and you are happy with it. But, essentially, obviously, following your annual review, I reviewed your Hub twenty four investments to see if we could swap out some that wasn't doing so well, like the Benelung investment for you and get that updated to see if we can, you know, improve the situation a little bit. And then, also, rolling over some of your money from rest that's obviously kept there for your insurances.\n\nJust making sure that we have the majority of your funds in the option that's going to give you the most. You kind of remember that conversation? Yeah. Right. Perfect.\n\nNow I did speak to rest as well after we spoke because I know you were waiting on that kind of lump sum contribution from your employer, and that was deposited exactly when you said it was on that Friday. So that was all dropped into your account, so that was good. Now as you do have a read through it, you will see on on on the cover page there, you will see my authorized representative number there. That's just basically my license number, and I am obviously licensed under OTU Financial. And everything all the advice and the recommendations that we do, we follow that bench interest duty, which is to make sure that we always act in your best interest at all time.\n\nAnd the advice itself has to put you in a better position. Otherwise, we can't actually make the recommendation. Yep. Now it is valid for a little bit as well. So if you wanna take your time to read over it, you know, you're more than happy to so.\n\nOtherwise, it is pretty straightforward just focusing on your superannuation essentially. So when you do have a read over it, you will see kind of your superannuation goals and that we have factored that into the advice. We've only kind of factored in insurances on a limited basis just to show you the impact your current insurances has within superannuation, but we're not making any changes through the the life and keep it in income protecting you have progressed? Yeah. And now when you have a look through it as well, there are a couple of pages with some personal information about you as well just from the fax line.\n\nJust have a bit of a read over it, and you know if anything needs updated, just let us know. Perfect. You will see some information in regards to your risk profile as well. So we're not making any changes to your high growth. We are keeping you within the same risk profile, just making a couple of tweaks and changes to your investments.\n\nSo still very much focusing on maximizing the growth in your superannuation for you, having about that 80% in your growth investments 90, sorry, about 90% in those growth investments, and then about 10% in those defensive. Just trying to make sure we maximize that growth as much as possible, but still having a little bit of those defensive to limit fluctuations a little bit. Yep. Perfect. Now you will see that everything has been outlined for you to make it really nice and easy and also the reasons why we have made the recommendations that we have.\n\nIt is pretty straightforward, though. We are one of retaining about 15,000 in rest for the time being anyway and making sure we have enough money in there to allow for a bit of market but then also your insurances to come out of it. And it's good that you have your employer contributions going into rest as well. And then kind of every annual review and we when we reassess it, we can then do those partial rollovers into hub 24 if appropriate to make sure, you know, it continues to grow there for you. Yep.\n\nNow, basically, you will then see, you know, there are advantages in terms of the recommendation. Obviously, some disadvantages and risks to be mindful of as well. One of risks to be mindful of as well. One of the risk is, you know, there's always a level of risk associated with any investment option. And, obviously, a a disadvantage is that, you know, once we process the payment of rolling that over as quickly as possible, it will be obviously sell down to cash and then transferred over.\n\nAnd, you know, if the market does fluctuate a little bit in that time, that can obviously be a bit of change there for you. It all kind of happens in the back end administrative wise, So, obviously, something to be mindful of. You're following so far, Adrianne? Yes. Perfect.\n\nNow there are alternatives considered. So I also did some research on your hub twenty four account just to make sure it's still the best one for you, and it very much is. There are a lot of competitors I had to look at as well, but hub twenty four is very, very much up there in terms of features that you can get for it, but also value for money. And I do have 24 for my personal super as well, and I do think it's it's really good. And, otherwise, I wouldn't tell you to keep it, and I I wouldn't use it myself either.\n\nNow the basically, if you scroll, when you do have access to it, you will see kind of an updated projection done for you. So that is on page 17 when you are able to look at it. But it basically puts all the figures on the table to make it nice and easy, and it shows you your current situation that you have in Hub 24, how much you currently have in rest, what you are paying for in fees in total. It also kind of factors in your contributions and your insurances and the investment returns. So the combined investment return on your current situation, if we use a three year rolling average, is 14.2%.\n\nSo it's still doing pretty good. That's obviously using historical data. Things are always changing. So we've recently seen that been along kind of underperforming, so we do wanna switch that one out. I've made a couple of other changes I'll go through with you shortly.\n\nBut, basically, the the new portfolio, the new recommendation, using the same three year rolling average period, has performed at 16.47%. So a little bit better by 3.36, which does make a difference, investment fees a little bit cheaper as well, which which is nice. Now I do wanna let you know that by making the change, because we are selling some investments, there are a little bit of a capital gains tax that will be paid within super. It's only about $398. It's all from that.\n\nBut just because, obviously, we're selling and rebuying investments, I do wanna just let you know that if you see that that's what that is. But, otherwise, when it comes to the investment there for you, the investment philosophy, everything stays the same. A majority of your vest investments are actually staying. It is just making a couple of changes. So the the one that we're kind of selling down is that Benelon Australian Equities because it has kind of underperformed a little bit.\n\nAnd we're basically doing a straight swap through another managed fund also focusing on Australian equities, and it's called Alfiniti. So very similar kind of concept, very similar investment styles and everything like that. It's just kind of a little bit cheaper and performed a little bit better for you. So it's still keep keeping everything else the same. Does that all make sense?\n\nYeah. Perfect. So pretty straightforward. When it comes through the asset allocation, like I said, keeping everything aligned with that high growth portfolio, not making any changes. And, basically, the the last thing is obviously the fee.\n\nSo if you do wanna go ahead and, you know, make the change of swapping that investment and rolling some of the money over from rest, there is no additional fees associated with that. That's all part of the ongoing advice fee. So no additional fees. Just that 1.65 from superannuation. That's just part of the service.\n\nYeah. I see. Does that all make sense? Do you have any questions at all there? Yeah.\n\nYes. And today was pretty straightforward because we're not changing too much. It's literally just just amending some of those investments and enrolling some money over that to help us. Yes. It does.\n\nYes. Yes. So, obviously, from here on, Esa, if you if you are happy to go ahead with the change, I will just need you to sign the documents when you do get a chance. You can just click on that link, and it will ask you to draw your signature. Once that's been completed, it'll send it back to me, and I will let the team know to process that.\n\nBut, obviously, because you haven't had a chance to look at it because you're on the bus, if you wanna take some time and read over it when you get home or in the next couple of days as well, by all means, you're more than welcome to do that. If you have any other questions, then you can always give me a callback. Or if you do have a read over it and it all makes sense, you can always sign that again, and then we get notified. Yeah. Yeah.\n\nYeah. Yeah. No problem at all. Yeah. Yeah.\n\nYeah. It throws your day. What's happening? Is that much longer for you? Is that oh, it's just still still a bit of time.\n\nYeah. Well, obviously, good luck with it, and, hopefully, you know, you do get called if you would like it. Or if not, at least you know, so you can decide what to do. But like I said, Adrian, any questions when you have a read through the documents, just let me know. But, otherwise, I will keep a lookout for that document, and we can get that all processed for you.\n\nPerfect. No problem at all. I hope you have a lovely afternoon. And anything else that you need, let me know. Mhmm.\n\nThanks, Adrian. You too. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":3.1999998,"end":3.84,"sentiment":"neutral","sentiment_score":0.29354626685380936},{"text":"This is Adrianne.","start":3.84,"end":4.66,"sentiment":"neutral","sentiment_score":0.19880333542823792},{"text":"This is Veronica from Financial.","start":6.0,"end":7.7,"sentiment":"neutral","sentiment_score":0.18896986544132233},{"text":"How are you this afternoon?","start":8.16,"end":9.3,"sentiment":"neutral","sentiment_score":0.23330996930599213},{"text":"Yeah.","start":10.8,"end":11.12,"sentiment":"positive","sentiment_score":0.3507317900657654}],"sentiment":"neutral","sentiment_score":0.22785209398716688,"num_words":16,"start":3.1999998,"end":11.12},{"sentences":[{"text":"I'm good.","start":11.12,"end":11.599999,"sentiment":"positive","sentiment_score":0.5347507148981094},{"text":"Thanks.","start":11.599999,"end":12.099999,"sentiment":"positive","sentiment_score":0.6290115118026733},{"text":"I had you booked in for a quick quick catch up to run through this strategy recommendation.","start":13.12,"end":18.055,"sentiment":"neutral","sentiment_score":0.29689976660644307},{"text":"Is now still a good time for you?","start":18.195,"end":19.735,"sentiment":"neutral","sentiment_score":0.24627093225717545},{"text":"Yeah.","start":20.835,"end":21.154999,"sentiment":"neutral","sentiment_score":0.16515950858592987}],"sentiment":"neutral","sentiment_score":0.3062460669155779,"num_words":29,"start":11.12,"end":21.154999},{"sentences":[{"text":"Okay.","start":21.154999,"end":21.635,"sentiment":"neutral","sentiment_score":0.20610490441322327},{"text":"Perfect.","start":21.635,"end":22.135,"sentiment":"neutral","sentiment_score":0.3084338307380676},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you.","start":22.515,"end":31.76,"sentiment":"neutral","sentiment_score":0.05347401366358803},{"text":"Perfect.","start":31.76,"end":32.260002,"sentiment":"neutral","sentiment_score":0.2709859311580658},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":32.64,"end":39.54,"sentiment":"neutral","sentiment_score":0.08983473365123455}],"sentiment":"neutral","sentiment_score":0.07964870274687806,"num_words":60,"start":21.154999,"end":39.54},{"sentences":[{"text":"Yeah.","start":47.945,"end":48.185,"sentiment":"neutral","sentiment_score":0.14037787914276123},{"text":"Perfect.","start":48.185,"end":48.665,"sentiment":"positive","sentiment_score":0.35943156480789185},{"text":"That's exactly what I have here.","start":48.665,"end":50.185,"sentiment":"positive","sentiment_score":0.4775230487187703},{"text":"And how's your day been so far?","start":50.185,"end":51.625,"sentiment":"neutral","sentiment_score":0.0898481687264783},{"text":"Been busy or still working away?","start":51.625,"end":53.725,"sentiment":"neutral","sentiment_score":-0.030594663073619206}],"sentiment":"neutral","sentiment_score":0.1814436637574718,"num_words":21,"start":47.945,"end":53.725},{"sentences":[{"text":"Yeah.","start":54.345,"end":54.845,"sentiment":"neutral","sentiment_score":0.024075187742710114},{"text":"Well, I will try and make it quick for you.","start":55.625,"end":58.285,"sentiment":"neutral","sentiment_score":0.08814478367567062},{"text":"Do you have access to your emails at the moment or or not really?","start":58.665,"end":62.89,"sentiment":"neutral","sentiment_score":-0.0015078997904700892},{"text":"Yeah.","start":63.43,"end":63.829998,"sentiment":"neutral","sentiment_score":0.04824288561940193},{"text":"Okay.","start":63.829998,"end":64.33,"sentiment":"neutral","sentiment_score":0.0662311464548111}],"sentiment":"neutral","sentiment_score":0.03699579479655734,"num_words":27,"start":54.345,"end":64.33},{"sentences":[{"text":"So I've just sent you an email with the documents to go through quickly if you are able to it up.","start":64.63,"end":76.515,"sentiment":"neutral","sentiment_score":0.08192416852606195},{"text":"Yeah.","start":76.575,"end":76.735,"sentiment":"neutral","sentiment_score":-0.0006480533629655838},{"text":"No.","start":76.735,"end":77.235,"sentiment":"neutral","sentiment_score":-0.034944381564855576},{"text":"That's alright.","start":77.375,"end":78.275,"sentiment":"neutral","sentiment_score":-0.029837699607014656},{"text":"No.","start":113.375,"end":113.534996,"sentiment":"neutral","sentiment_score":-0.05476638674736023}],"sentiment":"neutral","sentiment_score":0.06039897377531116,"num_words":26,"start":64.63,"end":113.534996},{"sentences":[{"text":"That's okay.","start":113.534996,"end":114.174995,"sentiment":"neutral","sentiment_score":-0.01994596654549241},{"text":"If you yes.","start":114.174995,"end":117.649994,"sentiment":"neutral","sentiment_score":0.004956302543481191},{"text":"But I do wanna run through it with you first.","start":117.649994,"end":119.909996,"sentiment":"neutral","sentiment_score":0.04148105755448341},{"text":"Yeah.","start":121.96999,"end":122.46999,"sentiment":"neutral","sentiment_score":0.06318207085132599},{"text":"Perfect.","start":123.329994,"end":123.649994,"sentiment":"neutral","sentiment_score":0.3291515111923218}],"sentiment":"neutral","sentiment_score":0.046007125419290626,"num_words":17,"start":113.534996,"end":123.649994},{"sentences":[{"text":"And then you can always take your time afterwards.","start":123.649994,"end":125.57,"sentiment":"neutral","sentiment_score":0.20153282086054483},{"text":"You do have access to it to read through it.","start":125.57,"end":127.729996,"sentiment":"neutral","sentiment_score":0.11340792328119279},{"text":"And, you know, if you do have any other questions, then you can always just give me a callback.","start":127.729996,"end":136.7859,"sentiment":"neutral","sentiment_score":0.03902898454352429},{"text":"Yeah.","start":136.7859,"end":136.88773,"sentiment":"neutral","sentiment_score":-0.0010957717895507812},{"text":"No.","start":136.88773,"end":136.98955,"sentiment":"neutral","sentiment_score":0.024243056774139404}],"sentiment":"neutral","sentiment_score":0.09281431529670954,"num_words":40,"start":123.649994,"end":136.98955},{"sentences":[{"text":"That's all good.","start":136.98955,"end":137.295,"sentiment":"positive","sentiment_score":0.37969131271044415},{"text":"It is pretty straightforward today.","start":137.295,"end":138.975,"sentiment":"positive","sentiment_score":0.5504180610179901},{"text":"A lot of it is just for compliance, so it is very wordy in there for you, but it's just to make sure that you obviously you understand everything and you are happy with it.","start":138.975,"end":147.18001,"sentiment":"neutral","sentiment_score":0.2708901051964079},{"text":"But, essentially, obviously, following your annual review, I reviewed your Hub twenty four investments to see if we could swap out some that wasn't doing so well, like the Benelung investment for you and get that updated to see if we can, you know, improve the situation a little bit.","start":147.18001,"end":164.185,"sentiment":"neutral","sentiment_score":0.05185999892652035},{"text":"And then, also, rolling over some of your money from rest that's obviously kept there for your insurances.","start":164.645,"end":171.3,"sentiment":"neutral","sentiment_score":0.15397573593589994}],"sentiment":"neutral","sentiment_score":0.1688007307952052,"num_words":111,"start":136.98955,"end":171.3},{"sentences":[{"text":"Just making sure that we have the majority of your funds in the option that's going to give you the most.","start":172.18001,"end":177.78,"sentiment":"neutral","sentiment_score":0.24142932891845703},{"text":"You kind of remember that conversation?","start":177.78,"end":179.40001,"sentiment":"neutral","sentiment_score":0.06224309466779232},{"text":"Yeah.","start":180.74,"end":181.14,"sentiment":"neutral","sentiment_score":0.2514946758747101},{"text":"Right.","start":181.14,"end":181.46,"sentiment":"positive","sentiment_score":0.34084707498550415},{"text":"Perfect.","start":181.46,"end":181.86,"sentiment":"positive","sentiment_score":0.4572743475437164}],"sentiment":"neutral","sentiment_score":0.21643635245660942,"num_words":30,"start":172.18001,"end":181.86},{"sentences":[{"text":"Now I did speak to rest as well after we spoke because I know you were waiting on that kind of lump sum contribution from your employer, and that was deposited exactly when you said it was on that Friday.","start":181.86,"end":193.095,"sentiment":"neutral","sentiment_score":0.11500823702663183},{"text":"So that was all dropped into your account, so that was good.","start":193.63501,"end":197.54001,"sentiment":"neutral","sentiment_score":0.0809704833664},{"text":"Now as you do have a read through it, you will see on on on the cover page there, you will see my authorized representative number there.","start":198.08,"end":206.08,"sentiment":"neutral","sentiment_score":0.0936360223977654},{"text":"That's just basically my license number, and I am obviously licensed under OTU Financial.","start":206.08,"end":211.08499,"sentiment":"neutral","sentiment_score":0.09213635325431824},{"text":"And everything all the advice and the recommendations that we do, we follow that bench interest duty, which is to make sure that we always act in your best interest at all time.","start":212.345,"end":222.045,"sentiment":"neutral","sentiment_score":0.17735862415848355}],"sentiment":"neutral","sentiment_score":0.12097532880152502,"num_words":126,"start":181.86,"end":222.045},{"sentences":[{"text":"And the advice itself has to put you in a better position.","start":222.425,"end":225.34001,"sentiment":"neutral","sentiment_score":0.11862413709362347},{"text":"Otherwise, we can't actually make the recommendation.","start":225.34001,"end":227.36,"sentiment":"neutral","sentiment_score":-0.04559720680117607},{"text":"Yep.","start":228.62001,"end":229.12001,"sentiment":"neutral","sentiment_score":0.19513317942619324},{"text":"Now it is valid for a little bit as well.","start":229.42,"end":231.34,"sentiment":"neutral","sentiment_score":0.24235352277755737},{"text":"So if you wanna take your time to read over it, you know, you're more than happy to so.","start":231.34,"end":236.735,"sentiment":"positive","sentiment_score":0.5752879443921541}],"sentiment":"neutral","sentiment_score":0.29904997037077435,"num_words":49,"start":222.425,"end":236.735},{"sentences":[{"text":"Otherwise, it is pretty straightforward just focusing on your superannuation essentially.","start":236.795,"end":241.53499,"sentiment":"positive","sentiment_score":0.4520948149941184},{"text":"So when you do have a read over it, you will see kind of your superannuation goals and that we have factored that into the advice.","start":241.75499,"end":249.89,"sentiment":"neutral","sentiment_score":0.3067941935016559},{"text":"We've only kind of factored in insurances on a limited basis just to show you the impact your current insurances has within superannuation, but we're not making any changes through the the life and keep it in income protecting you have progressed?","start":250.11,"end":265.635,"sentiment":"neutral","sentiment_score":0.0632198023986781},{"text":"Yeah.","start":265.635,"end":266.135,"sentiment":"neutral","sentiment_score":0.1688540279865265},{"text":"And now when you have a look through it as well, there are a couple of pages with some personal information about you as well just from the fax line.","start":267.075,"end":274.67502,"sentiment":"neutral","sentiment_score":0.1434087909758091}],"sentiment":"neutral","sentiment_score":0.1825094677634876,"num_words":110,"start":236.795,"end":274.67502},{"sentences":[{"text":"Just have a bit of a read over it, and you know if anything needs updated, just let us know.","start":274.67502,"end":279.48,"sentiment":"neutral","sentiment_score":0.11949926763772964},{"text":"Perfect.","start":282.58002,"end":282.9,"sentiment":"positive","sentiment_score":0.5733209848403931},{"text":"You will see some information in regards to your risk profile as well.","start":282.9,"end":286.66,"sentiment":"neutral","sentiment_score":0.2230902394423118},{"text":"So we're not making any changes to your high growth.","start":286.66,"end":289.7,"sentiment":"neutral","sentiment_score":-0.05561644732952118},{"text":"We are keeping you within the same risk profile, just making a couple of tweaks and changes to your investments.","start":289.7,"end":296.115,"sentiment":"neutral","sentiment_score":0.10840105228126048}],"sentiment":"neutral","sentiment_score":0.11680212535429746,"num_words":64,"start":274.67502,"end":296.115},{"sentences":[{"text":"So still very much focusing on maximizing the growth in your superannuation for you, having about that 80% in your growth investments 90, sorry, about 90% in those growth investments, and then about 10% in those defensive.","start":297.055,"end":314.47998,"sentiment":"neutral","sentiment_score":0.19633517696245298},{"text":"Just trying to make sure we maximize that growth as much as possible, but still having a little bit of those defensive to limit fluctuations a little bit.","start":314.86,"end":322.375,"sentiment":"neutral","sentiment_score":0.21324672097606318},{"text":"Yep.","start":322.375,"end":322.875,"sentiment":"neutral","sentiment_score":0.1085948571562767},{"text":"Perfect.","start":325.41498,"end":325.91498,"sentiment":"positive","sentiment_score":0.5851105451583862},{"text":"Now you will see that everything has been outlined for you to make it really nice and easy and also the reasons why we have made the recommendations that we have.","start":326.055,"end":336.06,"sentiment":"positive","sentiment_score":0.5292141591348956}],"sentiment":"neutral","sentiment_score":0.30953728643303013,"num_words":98,"start":297.055,"end":336.06},{"sentences":[{"text":"It is pretty straightforward, though.","start":336.6,"end":338.12,"sentiment":"neutral","sentiment_score":0.30117199420928953},{"text":"We are one of retaining about 15,000 in rest for the time being anyway and making sure we have enough money in there to allow for a bit of market but then also your insurances to come out of it.","start":338.12,"end":351.405,"sentiment":"neutral","sentiment_score":0.18798992279917},{"text":"And it's good that you have your employer contributions going into rest as well.","start":351.405,"end":355.405,"sentiment":"positive","sentiment_score":0.7876307197979519},{"text":"And then kind of every annual review and we when we reassess it, we can then do those partial rollovers into hub 24 if appropriate to make sure, you know, it continues to grow there for you.","start":355.405,"end":365.22998,"sentiment":"positive","sentiment_score":0.3504376918882937},{"text":"Yep.","start":366.33,"end":366.83,"sentiment":"neutral","sentiment_score":0.10953044146299362}],"sentiment":"positive","sentiment_score":0.3415258969228292,"num_words":97,"start":336.6,"end":366.83},{"sentences":[{"text":"Now, basically, you will then see, you know, there are advantages in terms of the recommendation.","start":367.53,"end":372.27,"sentiment":"neutral","sentiment_score":0.07108149072155356},{"text":"Obviously, some disadvantages and risks to be mindful of as well.","start":373.77,"end":374.40997,"sentiment":"neutral","sentiment_score":-0.1595396108248017},{"text":"One of risks to be mindful of as well.","start":374.40997,"end":377.635,"sentiment":"neutral","sentiment_score":-0.13286878913640976},{"text":"One of the risk is, you know, there's always a level of risk associated with any investment option.","start":378.73502,"end":383.715,"sentiment":"neutral","sentiment_score":-0.2070454110701879},{"text":"And, obviously, a a disadvantage is that, you know, once we process the payment of rolling that over as quickly as possible, it will be obviously sell down to cash and then transferred over.","start":384.73502,"end":396.01,"sentiment":"neutral","sentiment_score":-0.2680784906534588}],"sentiment":"neutral","sentiment_score":-0.16653337558223444,"num_words":88,"start":367.53,"end":396.01},{"sentences":[{"text":"And, you know, if the market does fluctuate a little bit in that time, that can obviously be a bit of change there for you.","start":396.01,"end":401.31,"sentiment":"neutral","sentiment_score":-0.20084669888019563},{"text":"It all kind of happens in the back end administrative wise, So, obviously, something to be mindful of.","start":401.77,"end":407.195,"sentiment":"neutral","sentiment_score":-0.07453274085289902},{"text":"You're following so far, Adrianne?","start":408.855,"end":410.315,"sentiment":"neutral","sentiment_score":0.014992297813296317},{"text":"Yes.","start":411.17502,"end":411.67502,"sentiment":"neutral","sentiment_score":0.12140388041734695},{"text":"Perfect.","start":412.05502,"end":412.55502,"sentiment":"positive","sentiment_score":0.3974680304527282}],"sentiment":"neutral","sentiment_score":-0.11537846814841032,"num_words":50,"start":396.01,"end":412.55502},{"sentences":[{"text":"Now there are alternatives considered.","start":413.415,"end":415.815,"sentiment":"neutral","sentiment_score":0.11466857045888901},{"text":"So I also did some research on your hub twenty four account just to make sure it's still the best one for you, and it very much is.","start":415.815,"end":423.63998,"sentiment":"neutral","sentiment_score":0.22839168459177017},{"text":"There are a lot of competitors I had to look at as well, but hub twenty four is very, very much up there in terms of features that you can get for it, but also value for money.","start":423.63998,"end":433.235,"sentiment":"neutral","sentiment_score":0.1887427605688572},{"text":"And I do have 24 for my personal super as well, and I do think it's it's really good.","start":433.235,"end":437.715,"sentiment":"positive","sentiment_score":0.4168172612002021},{"text":"And, otherwise, I wouldn't tell you to keep it, and I I wouldn't use it myself either.","start":437.715,"end":441.495,"sentiment":"neutral","sentiment_score":-0.12575515425380537}],"sentiment":"neutral","sentiment_score":0.18618902114924984,"num_words":107,"start":413.415,"end":441.495},{"sentences":[{"text":"Now the basically, if you scroll, when you do have access to it, you will see kind of an updated projection done for you.","start":444.435,"end":452.1,"sentiment":"neutral","sentiment_score":0.12095123250037432},{"text":"So that is on page 17 when you are able to look at it.","start":452.56,"end":456.97998,"sentiment":"neutral","sentiment_score":0.1271022893488407},{"text":"But it basically puts all the figures on the table to make it nice and easy, and it shows you your current situation that you have in Hub 24, how much you currently have in rest, what you are paying for in fees in total.","start":457.04,"end":472.325,"sentiment":"neutral","sentiment_score":0.22235346626904276},{"text":"It also kind of factors in your contributions and your insurances and the investment returns.","start":473.185,"end":480.07,"sentiment":"neutral","sentiment_score":0.11175629993279775},{"text":"So the combined investment return on your current situation, if we use a three year rolling average, is 14.2%.","start":480.77002,"end":491.35,"sentiment":"neutral","sentiment_score":0.1732526476445951}],"sentiment":"neutral","sentiment_score":0.16800267023281154,"num_words":117,"start":444.435,"end":491.35},{"sentences":[{"text":"So it's still doing pretty good.","start":491.41,"end":492.825,"sentiment":"positive","sentiment_score":0.5855599939823151},{"text":"That's obviously using historical data.","start":493.625,"end":495.785,"sentiment":"neutral","sentiment_score":0.08824790939688683},{"text":"Things are always changing.","start":495.785,"end":497.08502,"sentiment":"neutral","sentiment_score":-0.061695439741015434},{"text":"So we've recently seen that been along kind of underperforming, so we do wanna switch that one out.","start":497.14502,"end":503.005,"sentiment":"neutral","sentiment_score":-0.15550601109862328},{"text":"I've made a couple of other changes I'll go through with you shortly.","start":503.30502,"end":506.58,"sentiment":"neutral","sentiment_score":0.09883896662638737}],"sentiment":"neutral","sentiment_score":0.047687306919175644,"num_words":46,"start":491.41,"end":506.58},{"sentences":[{"text":"But, basically, the the new portfolio, the new recommendation, using the same three year rolling average period, has performed at 16.47%.","start":508.34,"end":519.06,"sentiment":"neutral","sentiment_score":0.2567053657202494},{"text":"So a little bit better by 3.36, which does make a difference, investment fees a little bit cheaper as well, which which is nice.","start":519.06,"end":532.825,"sentiment":"positive","sentiment_score":0.42057376975814503},{"text":"Now I do wanna let you know that by making the change, because we are selling some investments, there are a little bit of a capital gains tax that will be paid within super.","start":534.80505,"end":544.88,"sentiment":"neutral","sentiment_score":0.13033262366319404},{"text":"It's only about $398.","start":545.34,"end":548.4,"sentiment":"neutral","sentiment_score":0.06275761779397726},{"text":"It's all from that.","start":548.94,"end":550.185,"sentiment":"neutral","sentiment_score":0.09358862787485123}],"sentiment":"neutral","sentiment_score":0.23610663610970836,"num_words":87,"start":508.34,"end":550.185},{"sentences":[{"text":"But just because, obviously, we're selling and rebuying investments, I do wanna just let you know that if you see that that's what that is.","start":550.185,"end":556.825,"sentiment":"neutral","sentiment_score":0.07209847442805767},{"text":"But, otherwise, when it comes to the investment there for you, the investment philosophy, everything stays the same.","start":556.825,"end":564.905,"sentiment":"neutral","sentiment_score":0.12252160989575916},{"text":"A majority of your vest investments are actually staying.","start":564.905,"end":568.3,"sentiment":"neutral","sentiment_score":0.23534288671281603},{"text":"It is just making a couple of changes.","start":568.68,"end":571.18,"sentiment":"neutral","sentiment_score":0.13378251064568758},{"text":"So the the one that we're kind of selling down is that Benelon Australian Equities because it has kind of underperformed a little bit.","start":571.88,"end":579.595,"sentiment":"neutral","sentiment_score":0.004913189137975375}],"sentiment":"neutral","sentiment_score":0.08707277909187335,"num_words":84,"start":550.185,"end":579.595},{"sentences":[{"text":"And we're basically doing a straight swap through another managed fund also focusing on Australian equities, and it's called Alfiniti.","start":579.65497,"end":589.195,"sentiment":"neutral","sentiment_score":0.12722281329333782},{"text":"So very similar kind of concept, very similar investment styles and everything like that.","start":589.975,"end":594.97,"sentiment":"neutral","sentiment_score":0.20320012420415878},{"text":"It's just kind of a little bit cheaper and performed a little bit better for you.","start":594.97,"end":598.73,"sentiment":"positive","sentiment_score":0.4104098854586482},{"text":"So it's still keep keeping everything else the same.","start":598.73,"end":601.52997,"sentiment":"neutral","sentiment_score":0.1994810981882943},{"text":"Does that all make sense?","start":601.52997,"end":602.83,"sentiment":"neutral","sentiment_score":0.17761518955230712}],"sentiment":"neutral","sentiment_score":0.22873784380499274,"num_words":64,"start":579.65497,"end":602.83},{"sentences":[{"text":"Yeah.","start":603.69,"end":604.19,"sentiment":"positive","sentiment_score":0.610793948173523},{"text":"Perfect.","start":604.25,"end":604.75,"sentiment":"positive","sentiment_score":0.7897869348526001},{"text":"So pretty straightforward.","start":604.81,"end":605.79,"sentiment":"positive","sentiment_score":0.6710094809532166},{"text":"When it comes through the asset allocation, like I said, keeping everything aligned with that high growth portfolio, not making any changes.","start":607.005,"end":615.105,"sentiment":"positive","sentiment_score":0.34326730465347116},{"text":"And, basically, the the last thing is obviously the fee.","start":616.605,"end":620.045,"sentiment":"neutral","sentiment_score":0.1836741402745247}],"sentiment":"positive","sentiment_score":0.34600625489209147,"num_words":37,"start":603.69,"end":620.045},{"sentences":[{"text":"So if you do wanna go ahead and, you know, make the change of swapping that investment and rolling some of the money over from rest, there is no additional fees associated with that.","start":620.045,"end":630.23004,"sentiment":"neutral","sentiment_score":0.28272394441506443},{"text":"That's all part of the ongoing advice fee.","start":630.23004,"end":633.13,"sentiment":"neutral","sentiment_score":0.32502805441617966},{"text":"So no additional fees.","start":633.59,"end":634.79004,"sentiment":"neutral","sentiment_score":0.1500168889760971},{"text":"Just that 1.65 from superannuation.","start":634.79004,"end":637.375,"sentiment":"neutral","sentiment_score":0.2303330510854721},{"text":"That's just part of the 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time.","start":739.99005,"end":743.53,"sentiment":"neutral","sentiment_score":-0.08367519182237712}],"sentiment":"neutral","sentiment_score":-0.08408489179176588,"num_words":24,"start":729.195,"end":743.53},{"sentences":[{"text":"Yeah.","start":744.71,"end":745.03,"sentiment":"neutral","sentiment_score":0.0905957743525505},{"text":"Well, obviously, good luck with it, and, hopefully, you know, you do get called if you would like it.","start":745.03,"end":750.17004,"sentiment":"neutral","sentiment_score":0.33165763475392995},{"text":"Or if not, at least you know, so you can decide what to do.","start":750.63,"end":753.815,"sentiment":"neutral","sentiment_score":0.10059049406221934},{"text":"But like I said, Adrian, any questions when you have a read through the documents, just let me know.","start":755.075,"end":759.475,"sentiment":"neutral","sentiment_score":0.11150619113131573},{"text":"But, otherwise, I will keep a lookout for that document, and we can get that all processed for you.","start":759.475,"end":764.055,"sentiment":"neutral","sentiment_score":0.29890678313217667}],"sentiment":"neutral","sentiment_score":0.21664172586881453,"num_words":72,"start":744.71,"end":764.055},{"sentences":[{"text":"Perfect.","start":765.475,"end":765.955,"sentiment":"positive","sentiment_score":0.8640797138214111},{"text":"No problem at all.","start":765.955,"end":766.755,"sentiment":"positive","sentiment_score":0.7350797057151794},{"text":"I hope you have a lovely afternoon.","start":766.755,"end":768.19,"sentiment":"positive","sentiment_score":0.6969844017710004},{"text":"And anything else that you need, let me know.","start":768.19,"end":770.45,"sentiment":"positive","sentiment_score":0.36630066401428646},{"text":"Mhmm.","start":772.02997,"end":772.19,"sentiment":"neutral","sentiment_score":0.22177985310554504}],"sentiment":"positive","sentiment_score":0.5546261444687843,"num_words":22,"start":765.475,"end":772.19},{"sentences":[{"text":"Thanks, Adrian.","start":772.19,"end":772.99,"sentiment":"positive","sentiment_score":0.6228851079940796},{"text":"You too.","start":772.99,"end":773.65,"sentiment":"positive","sentiment_score":0.6037498414516449},{"text":"Bye.","start":774.59,"end":775.09,"sentiment":"neutral","sentiment_score":-0.1023447886109352}],"sentiment":"positive","sentiment_score":0.47018502205610274,"num_words":5,"start":772.19,"end":775.09}]}}]},{"alternatives":[{"transcript":"Hello? Speaking. I'm good. Thanks. Yourself? Yeah. That's fine. Yep. No problems. Yep. So Adrian Burrison, '9 eighteenth to the eleventh seventy six and ninety five Soandra Crescent in Monterey North. Yeah. Busy. Yeah. No worries. Yeah. I do. Yep. No worries. I'll just have to get them up on the phone. Hang on a sec. Alright. Yeah. I have got them there. I'm gonna it's gonna be a bit hard for me to go through them. I'm sitting on the bus. So whatever you need me to is it just signing them? Or yep. If you can just go through them with yeah. That's fine. Yep. No problems at all. Yeah. It's just it's a bit hard to put you on speaker when I'm on the bus. That's all. Yep. Mhmm. Absolutely. Yep. Yep. Yep. No worries. Yep. No worries. Yep. Yep. Yep. No problem, No worries. That's fine. Okay. Yep. Oh, that's correct. Yep. I see. Yep. No. Yeah. I am. Yeah. That's fine. Yeah. Yep. No. That's fine. No worries. Yep. Yep. Yes. Yep. Absolutely. Yeah. Mhmm. Oh, okay. Yep. K. Yep. Alright. Alright. Yes. Absolutely. Yes. Yep. No. That's fine. It it does. Yeah. It's sort of like every time I go through it, it gets easier and easier to understand. So yep. Yeah. No. It helps when you can see what's actually going on and you can see that, you know, the investment in the ladder are working. So yeah. Yep. Yep. No. I'll definitely sign that and have a look at it when I get a chance. Hopefully, later tonight. So, yeah, and I've sort of been, yeah, a bit weird this month. I've had I've been on jury duty, and it's I haven't I've only sort of been in there once, and my number didn't get called out. And every day, you don't know whether you're being called in or not. So it's like every yeah. Every day at 04:00, it's like, oh, am I going in tomorrow, or am I going to work? So yeah. That's it. Till the end of the month. Yeah. Yeah. Yep. Yep. Yeah. That's it. Definitely. No worries. Yep. No problems. Thank you so much. Alright. And you too. No worries. Have a great night. Thanks a lot. 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Speaking. I'm good. Thanks. Yourself?\n\nYeah. That's fine. Yep. No problems. Yep.\n\nSo Adrian Burrison, '9 eighteenth to the eleventh seventy six and ninety five Soandra Crescent in Monterey North. Yeah. Busy. Yeah. No worries.\n\nYeah. I do. Yep. No worries. I'll just have to get them up on the phone.\n\nHang on a sec. Alright. Yeah. I have got them there. I'm gonna it's gonna be a bit hard for me to go through them.\n\nI'm sitting on the bus. So whatever you need me to is it just signing them? Or yep. If you can just go through them with yeah. That's fine.\n\nYep. No problems at all. Yeah. It's just it's a bit hard to put you on speaker when I'm on the bus. That's all.\n\nYep. Mhmm. Absolutely. Yep. Yep.\n\nYep. No worries. Yep. No worries. Yep.\n\nYep. Yep. No problem, No worries. That's fine. Okay.\n\nYep. Oh, that's correct. Yep. I see. Yep.\n\nNo. Yeah. I am. Yeah. That's fine.\n\nYeah. Yep. No. That's fine. No worries.\n\nYep. Yep. Yes. Yep. Absolutely.\n\nYeah. Mhmm. Oh, okay. Yep. K.\n\nYep. Alright. Alright. Yes. Absolutely.\n\nYes. Yep. No. That's fine. It it does.\n\nYeah. It's sort of like every time I go through it, it gets easier and easier to understand. So yep. Yeah. No.\n\nIt helps when you can see what's actually going on and you can see that, you know, the investment in the ladder are working. So yeah. Yep. Yep. No.\n\nI'll definitely sign that and have a look at it when I get a chance. Hopefully, later tonight. So, yeah, and I've sort of been, yeah, a bit weird this month. I've had I've been on jury duty, and it's I haven't I've only sort of been in there once, and my number didn't get called out. And every day, you don't know whether you're being called in or not.\n\nSo it's like every yeah. Every day at 04:00, it's like, oh, am I going in tomorrow, or am I going to work? So yeah. That's it. Till the end of the month.\n\nYeah. Yeah. Yep. Yep. Yeah.\n\nThat's it. Definitely. No worries. Yep. No problems.\n\nThank you so much. Alright. And you too. No worries. Have a great night.\n\nThanks a lot. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.92,"end":2.42,"sentiment":"neutral","sentiment_score":0.044245436787605286},{"text":"Speaking.","start":5.2799997,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.15039905905723572},{"text":"I'm good.","start":9.2,"end":9.679999,"sentiment":"positive","sentiment_score":0.5685144662857056},{"text":"Thanks.","start":9.679999,"end":10.08,"sentiment":"positive","sentiment_score":0.6173300743103027},{"text":"Yourself?","start":10.08,"end":10.58,"sentiment":"neutral","sentiment_score":0.3322080075740814}],"sentiment":"positive","sentiment_score":0.38020191838343936,"num_words":6,"start":1.92,"end":10.58},{"sentences":[{"text":"Yeah.","start":19.795,"end":19.955,"sentiment":"neutral","sentiment_score":0.13720573484897614},{"text":"That's 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North.","start":39.370003,"end":47.965,"sentiment":"neutral","sentiment_score":0.04025913754271136},{"text":"Yeah.","start":53.065,"end":53.385,"sentiment":"neutral","sentiment_score":-0.034905411303043365},{"text":"Busy.","start":53.385,"end":53.885,"sentiment":"neutral","sentiment_score":-0.00009091198444366456},{"text":"Yeah.","start":55.305,"end":55.805,"sentiment":"neutral","sentiment_score":0.04356571286916733},{"text":"No worries.","start":58.504997,"end":59.16,"sentiment":"neutral","sentiment_score":0.011168219614773989}],"sentiment":"neutral","sentiment_score":0.03285088280782751,"num_words":23,"start":39.370003,"end":59.16},{"sentences":[{"text":"Yeah.","start":62.36,"end":62.52,"sentiment":"neutral","sentiment_score":0.0020865872502326965},{"text":"I do.","start":62.52,"end":63.18,"sentiment":"neutral","sentiment_score":0.043045807629823685},{"text":"Yep.","start":71.735,"end":72.235,"sentiment":"neutral","sentiment_score":0.06297273188829422},{"text":"No 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fine.","start":281.14,"end":281.96002,"sentiment":"neutral","sentiment_score":0.25537263602018356},{"text":"Okay.","start":297.265,"end":297.765,"sentiment":"neutral","sentiment_score":0.08995570242404938}],"sentiment":"neutral","sentiment_score":0.19254091133673987,"num_words":9,"start":236.97,"end":297.765},{"sentences":[{"text":"Yep.","start":322.195,"end":322.695,"sentiment":"neutral","sentiment_score":0.1146354004740715},{"text":"Oh, that's correct.","start":323.635,"end":324.435,"sentiment":"neutral","sentiment_score":0.21532020966211954},{"text":"Yep.","start":324.435,"end":324.915,"sentiment":"neutral","sentiment_score":0.2249322384595871},{"text":"I 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okay.","start":548.71497,"end":549.19495,"sentiment":"neutral","sentiment_score":0.09110139310359955},{"text":"Yep.","start":549.19495,"end":549.48,"sentiment":"neutral","sentiment_score":0.09301598370075226},{"text":"K.","start":555.63995,"end":556.13995,"sentiment":"neutral","sentiment_score":0.03286615014076233}],"sentiment":"neutral","sentiment_score":0.14773210634787878,"num_words":6,"start":526.07,"end":556.13995},{"sentences":[{"text":"Yep.","start":557.32,"end":557.82,"sentiment":"neutral","sentiment_score":0.07132340222597122},{"text":"Alright.","start":590.32,"end":590.82,"sentiment":"neutral","sentiment_score":0.040737904608249664},{"text":"Alright.","start":599.185,"end":599.685,"sentiment":"neutral","sentiment_score":0.13799342513084412},{"text":"Yes.","start":602.785,"end":603.185,"sentiment":"positive","sentiment_score":0.3882715106010437},{"text":"Absolutely.","start":603.185,"end":603.685,"sentiment":"positive","sentiment_score":0.6361877918243408}],"sentiment":"neutral","sentiment_score":0.2549028068780899,"num_words":5,"start":557.32,"end":603.685},{"sentences":[{"text":"Yes.","start":604.33,"end":604.83,"sentiment":"positive","sentiment_score":0.6087849736213684},{"text":"Yep.","start":640.06,"end":640.38,"sentiment":"neutral","sentiment_score":0.11169843375682832},{"text":"No.","start":640.38,"end":640.54004,"sentiment":"neutral","sentiment_score":0.033383648842573166},{"text":"That's fine.","start":640.54004,"end":641.36005,"sentiment":"neutral","sentiment_score":0.10431211069226264},{"text":"It it does.","start":643.74,"end":644.655,"sentiment":"neutral","sentiment_score":0.01935574846963088}],"sentiment":"neutral","sentiment_score":0.12756981537677348,"num_words":8,"start":604.33,"end":644.655},{"sentences":[{"text":"Yeah.","start":645.455,"end":645.61505,"sentiment":"neutral","sentiment_score":0.1367776095867157},{"text":"It's sort of like every time I go through it, it gets easier and easier to understand.","start":645.61505,"end":649.715,"sentiment":"neutral","sentiment_score":0.28048934217761545},{"text":"So yep.","start":654.565,"end":655.565,"sentiment":"neutral","sentiment_score":0.09913426637649536},{"text":"Yeah.","start":660.02997,"end":660.26996,"sentiment":"neutral","sentiment_score":0.0683625191450119},{"text":"No.","start":660.26996,"end":660.50995,"sentiment":"neutral","sentiment_score":0.012190759181976318}],"sentiment":"neutral","sentiment_score":0.2356326471675526,"num_words":22,"start":645.455,"end":660.50995},{"sentences":[{"text":"It helps when you can see what's actually going on and you can see that, you know, the investment in the ladder are working.","start":660.50995,"end":667.23,"sentiment":"neutral","sentiment_score":0.08863415553544958},{"text":"So 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month.","start":712.645,"end":717.95,"sentiment":"neutral","sentiment_score":-0.15395792545034334},{"text":"I've had I've been on jury duty, and it's I haven't I've only sort of been in there once, and my number didn't get called out.","start":717.95,"end":725.71,"sentiment":"neutral","sentiment_score":-0.22176310305412},{"text":"And every day, you don't know whether you're being called in or not.","start":725.71,"end":728.415,"sentiment":"neutral","sentiment_score":-0.20759284496307373}],"sentiment":"neutral","sentiment_score":-0.09870091777827059,"num_words":70,"start":707.205,"end":728.415},{"sentences":[{"text":"So it's like every yeah.","start":730.01495,"end":731.795,"sentiment":"neutral","sentiment_score":-0.11195163056254387},{"text":"Every day at 04:00, it's like, oh, am I going in tomorrow, or am I going to work?","start":732.01495,"end":736.255,"sentiment":"neutral","sentiment_score":-0.06443405296239588},{"text":"So yeah.","start":736.255,"end":737.555,"sentiment":"neutral","sentiment_score":-0.03521491400897503},{"text":"That's it.","start":738.255,"end":739.07495,"sentiment":"neutral","sentiment_score":-0.073323555290699},{"text":"Till the end of the month.","start":740.01495,"end":741.0,"sentiment":"neutral","sentiment_score":-0.050704497223099075}],"sentiment":"neutral","sentiment_score":-0.06790530388102387,"num_words":33,"start":730.01495,"end":741.0},{"sentences":[{"text":"Yeah.","start":742.92,"end":743.42,"sentiment":"neutral","sentiment_score":-0.060351692140102386},{"text":"Yeah.","start":743.72,"end":744.22,"sentiment":"neutral","sentiment_score":0.03694019839167595},{"text":"Yep.","start":746.76,"end":747.26,"sentiment":"neutral","sentiment_score":0.32818493247032166},{"text":"Yep.","start":752.28,"end":752.36,"sentiment":"neutral","sentiment_score":0.08328744769096375},{"text":"Yeah.","start":752.36,"end":752.68,"sentiment":"neutral","sentiment_score":0.06288294494152069}],"sentiment":"neutral","sentiment_score":0.09018876627087594,"num_words":5,"start":742.92,"end":752.68},{"sentences":[{"text":"That's it.","start":752.68,"end":753.42,"sentiment":"neutral","sentiment_score":0.09528210014104843},{"text":"Definitely.","start":758.565,"end":759.065,"sentiment":"neutral","sentiment_score":0.10814222693443298},{"text":"No worries.","start":759.525,"end":760.185,"sentiment":"neutral","sentiment_score":0.1796894147992134},{"text":"Yep.","start":762.80505,"end":763.30505,"sentiment":"neutral","sentiment_score":0.260196328163147},{"text":"No problems.","start":764.005,"end":764.72504,"sentiment":"neutral","sentiment_score":0.24978789687156677}],"sentiment":"neutral","sentiment_score":0.17723217234015465,"num_words":8,"start":752.68,"end":764.72504},{"sentences":[{"text":"Thank you so much.","start":764.72504,"end":765.69,"sentiment":"positive","sentiment_score":0.881086528301239},{"text":"Alright.","start":767.13,"end":767.63,"sentiment":"positive","sentiment_score":0.4902876317501068},{"text":"And you too.","start":768.17,"end":769.23,"sentiment":"positive","sentiment_score":0.4075686087210973},{"text":"No worries.","start":770.49,"end":770.89,"sentiment":"positive","sentiment_score":0.39012549817562103},{"text":"Have a great night.","start":770.89,"end":771.87,"sentiment":"positive","sentiment_score":0.6799429059028625}],"sentiment":"positive","sentiment_score":0.6240972993629319,"num_words":14,"start":764.72504,"end":771.87},{"sentences":[{"text":"Thanks a lot.","start":773.05,"end":773.85,"sentiment":"positive","sentiment_score":0.5808084706465403},{"text":"Bye.","start":773.85,"end":774.35,"sentiment":"neutral","sentiment_score":0.2698619067668915}],"sentiment":"positive","sentiment_score":0.5030718296766281,"num_words":4,"start":773.05,"end":774.35}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon. This is Adrianne.\n\nChannel 1: Speaking.\n\nChannel 0: This is Veronica from Financial. How are you this afternoon?\n\nChannel 1: I'm good. Thanks. Yourself?\n\nChannel 0: Yeah. I'm good. Thanks. I had you booked in for a quick quick catch up to run through this strategy recommendation. Is now still a good time for you?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yeah. Okay. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with\n\nChannel 1: Yep. No problems.\n\nChannel 0: you. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me,\n\nChannel 1: Yep.\n\nChannel 0: please?\n\nChannel 1: So Adrian Burrison, '9 eighteenth to the eleventh seventy six and ninety five Soandra Crescent in Monterey North.\n\nChannel 0: Yeah. Perfect. That's exactly what I have here. And how's your day been so far? Been busy or still working\n\nChannel 1: Yeah.\n\nChannel 0: away?\n\nChannel 1: Busy.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Well, I will try and make it quick for you.\n\nChannel 1: No\n\nChannel 0: Do\n\nChannel 1: worries.\n\nChannel 0: you have access to your emails at the moment or or not\n\nChannel 1: Yeah.\n\nChannel 0: really?\n\nChannel 1: I do.\n\nChannel 0: Yeah. Okay. So I've just sent you an email with the documents to go through quickly\n\nChannel 1: Yep.\n\nChannel 0: if you are able to it\n\nChannel 1: No worries. I'll just have to get them up on the phone.\n\nChannel 0: up.\n\nChannel 1: Hang on\n\nChannel 0: Yeah.\n\nChannel 1: a\n\nChannel 0: No.\n\nChannel 1: sec.\n\nChannel 0: That's alright.\n\nChannel 1: Alright. Yeah. I have got them there. I'm gonna it's gonna be a bit hard for me to go through them. I'm sitting on the bus.\n\nChannel 0: No. That's\n\nChannel 1: So\n\nChannel 0: okay.\n\nChannel 1: whatever\n\nChannel 0: If\n\nChannel 1: you\n\nChannel 0: you\n\nChannel 1: need me to is it just signing them? Or\n\nChannel 0: yes. But I do wanna run through it with you first.\n\nChannel 1: yep. If you can just go through them with\n\nChannel 0: Yeah.\n\nChannel 1: yeah. That's fine.\n\nChannel 0: Perfect. And then you can always take your time afterwards. You do have access to it to read through it. And, you know, if you do have any other questions, then you can\n\nChannel 1: Yep. No problems at all. Yeah. It's just it's a bit hard to put you on speaker when I'm on the bus. That's all.\n\nChannel 0: always just give me a callback. Yeah. No. That's all good. It is pretty straightforward today.\n\nA lot of it is just for compliance, so it is very wordy in there for you, but it's just to make sure that you obviously you understand everything and you are happy with it. But, essentially, obviously, following your annual review, I reviewed your Hub twenty four investments to see if we could swap out some that wasn't doing so well, like the Benelung investment for you and get that updated to see if we can, you know, improve the situation a little bit.\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: And then, also, rolling over some of your money from rest that's obviously kept there for your insurances. Just making sure that we have the majority of your funds in the option that's going to give you the most. You kind of remember that conversation?\n\nChannel 1: Absolutely. Yep.\n\nChannel 0: Yeah. Right. Perfect. Now I did speak to rest as well after we spoke because I know you were waiting on that kind of lump sum contribution\n\nChannel 1: Yep.\n\nChannel 0: from your employer, and that was deposited exactly when you said it was on that Friday. So that was\n\nChannel 1: Yep.\n\nChannel 0: all dropped into your account, so that was\n\nChannel 1: No worries.\n\nChannel 0: good. Now as you do have a read through it, you will see on on on the cover page there, you will see my authorized representative number there. That's just basically my license number, and I am obviously licensed under OTU Financial.\n\nChannel 1: Yep.\n\nChannel 0: And everything all the advice and the recommendations that we do, we follow that bench interest duty, which is to make sure that we always act in your best interest at all time. And the advice itself has to put you in a better position. Otherwise, we can't actually make the recommendation.\n\nChannel 1: No worries. Yep.\n\nChannel 0: Yep. Now it is valid for a little bit as well. So if you wanna take your time to read over it, you know, you're more than happy to so. Otherwise,\n\nChannel 1: Yep.\n\nChannel 0: it is pretty straightforward just focusing on your superannuation essentially. So when you do have a read over it, you will see kind of your superannuation goals and that we have factored that into the advice. We've only kind of factored in insurances on a limited basis just to show you the impact your current insurances has within superannuation, but we're not making any changes through the the life and keep it in income protecting\n\nChannel 1: Yep. No problem,\n\nChannel 0: you have progressed? Yeah. And now when you have a look through it as well, there are a couple of pages with some personal information about you as well just from the fax line. Just have a bit of a read over it, and you know if anything needs updated, just let us know.\n\nChannel 1: No worries. That's fine.\n\nChannel 0: Perfect. You will see some information in regards to your risk profile as well. So we're not making any changes to your high growth. We are keeping you within the same risk profile, just making a couple of tweaks and changes to your investments. So\n\nChannel 1: Okay.\n\nChannel 0: still very much focusing on maximizing the growth in your superannuation for you, having about that 80% in your growth investments 90, sorry, about 90% in those growth investments, and then about 10% in those defensive. Just trying to make sure we maximize that growth as much as possible, but still having a little bit of those defensive to limit fluctuations a little bit.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Oh, that's correct. Yep. I see.\n\nChannel 0: Perfect. Now you will see that everything has been outlined for you to make it really nice and easy and also the reasons why we have made the recommendations that we have.\n\nChannel 1: Yep.\n\nChannel 0: It is pretty straightforward, though. We are one of retaining about 15,000 in rest for the time being anyway and making sure we have enough money in there to allow for a bit of market but then also your insurances to come out of it. And it's good that you have your employer contributions going into rest as well. And then kind of every annual review and we when we reassess it, we can then do those partial rollovers into hub 24 if appropriate to make sure, you know, it continues to grow there for you. Yep.\n\nNow, basically, you will then see, you know, there are advantages in terms of the recommendation. Obviously, some disadvantages and risks to be mindful of as well. One of risks to be mindful of as well. One of the risk is, you know, there's always a level of risk associated with any investment option. And, obviously, a a disadvantage is that, you know, once we process the payment of rolling that over as quickly as possible, it will be obviously sell down to cash and then transferred over.\n\nAnd, you know, if the market does fluctuate a little bit in that time, that can obviously be a bit of change there for you. It all kind of happens in the back end administrative wise, So, obviously, something to be mindful of. You're following so far,\n\nChannel 1: No.\n\nChannel 0: Adrianne?\n\nChannel 1: Yeah. I am. Yeah. That's\n\nChannel 0: Yes.\n\nChannel 1: fine. Yeah.\n\nChannel 0: Perfect. Now there are alternatives considered. So I also did some research on your hub twenty four account just to make sure it's still the best one for you, and it very much is. There are a lot of competitors I had to look at as well, but hub twenty four is very, very much up there in terms of features that you can get for it, but also value for money. And I do have 24 for my personal super as well, and I\n\nChannel 1: Yep.\n\nChannel 0: do think it's it's really good. And, otherwise, I wouldn't tell you to keep it, and I I wouldn't use it myself either.\n\nChannel 1: No. That's fine.\n\nChannel 0: Now the basically, if you scroll, when you do have access to it, you will see kind of an updated projection done for you. So that is on page 17 when you are able to look at it. But\n\nChannel 1: No\n\nChannel 0: it basically\n\nChannel 1: worries.\n\nChannel 0: puts all the figures on the table to make it nice and easy,\n\nChannel 1: Yep.\n\nChannel 0: and it shows you your current situation that you have in Hub 24, how much you currently have in rest, what you are paying for in fees in total. It also kind of factors in your contributions and your insurances and the investment returns. So the combined investment return on your current situation, if we use a three year rolling average, is 14.2%. So\n\nChannel 1: Yep.\n\nChannel 0: it's still doing pretty good.\n\nChannel 1: Yes.\n\nChannel 0: That's obviously using historical data. Things are always changing. So we've recently seen that been along kind of underperforming, so we do wanna switch that one out. I've made a couple of other changes I'll go through with you shortly.\n\nChannel 1: Yep.\n\nChannel 0: But, basically, the the new portfolio, the new recommendation, using the same three year rolling average period, has performed at 16.47%. So a little bit better by 3.36, which does make a difference,\n\nChannel 1: Absolutely. Yeah.\n\nChannel 0: investment fees a little bit cheaper as well, which which is nice. Now I do wanna let you know that by making the change, because we are selling some investments, there are a little bit of a capital gains tax that will be paid within super. It's\n\nChannel 1: Mhmm.\n\nChannel 0: only about $398.\n\nChannel 1: Oh, okay.\n\nChannel 0: It's all\n\nChannel 1: Yep.\n\nChannel 0: from that. But just because, obviously, we're selling and rebuying investments, I do wanna just let you know that if you see that\n\nChannel 1: K.\n\nChannel 0: that's what that is. But,\n\nChannel 1: Yep.\n\nChannel 0: otherwise, when it comes to the investment there for you, the investment philosophy, everything stays the same. A majority of your vest investments are actually staying. It is just making a couple of changes. So the the one that we're kind of selling down is that Benelon Australian Equities because it has kind of underperformed a little bit. And we're basically doing a straight swap through another managed fund also focusing on Australian equities, and it's called Alfiniti.\n\nSo very\n\nChannel 1: Alright.\n\nChannel 0: similar kind of concept, very similar investment styles and everything like that. It's just kind of a little bit cheaper and performed a little bit better for you. So it's still keep\n\nChannel 1: Alright.\n\nChannel 0: keeping everything else the same. Does that all make sense?\n\nChannel 1: Yes. Absolutely.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: Yes.\n\nChannel 0: So pretty straightforward. When it comes through the asset allocation, like I said, keeping everything aligned with that high growth portfolio, not making any changes. And, basically, the the last thing is obviously the fee. So if you do wanna go ahead and, you know, make the change of swapping that investment and rolling some of the money over from rest, there is no additional fees associated with that. That's all part of the ongoing advice fee.\n\nSo no additional fees. Just that 1.65 from superannuation. That's just part of the service.\n\nChannel 1: Yep. No. That's fine.\n\nChannel 0: Yeah. I see. Does that all make sense? Do you have any\n\nChannel 1: It\n\nChannel 0: questions\n\nChannel 1: it does.\n\nChannel 0: at all there?\n\nChannel 1: Yeah. It's sort of like every time I go through it, it gets easier and easier\n\nChannel 0: Yeah.\n\nChannel 1: to understand.\n\nChannel 0: Yes. And today was pretty straightforward because we're not changing too much. It's literally\n\nChannel 1: So\n\nChannel 0: just\n\nChannel 1: yep.\n\nChannel 0: just amending some of those investments and enrolling some money over that to help us. Yes.\n\nChannel 1: Yeah. No. It helps when you can see what's actually going on and you can see\n\nChannel 0: It\n\nChannel 1: that,\n\nChannel 0: does.\n\nChannel 1: you know, the investment in the ladder are working. So\n\nChannel 0: Yes.\n\nChannel 1: yeah.\n\nChannel 0: Yes. So, obviously, from here on, Esa, if you if you are happy to go ahead with the change, I will just need you to sign the documents when you do get a chance. You can just click on that link, and it will ask you to draw your signature. Once that's been completed, it'll send it back to me, and I will let the team know to process that. But, obviously, because you haven't had a chance to look at it because you're on the bus, if you wanna take some time and read over it when you get home or in the next couple of days as well, by all means, you're more than welcome to do that.\n\nIf you have any other questions, then you can always give me a callback. Or if you do have a read over it and it all makes sense, you can always sign that again, and then we get notified.\n\nChannel 1: Yep. Yep. No. I'll definitely\n\nChannel 0: Yeah.\n\nChannel 1: sign that\n\nChannel 0: Yeah.\n\nChannel 1: and have a look at it when I get a chance.\n\nChannel 0: Yeah.\n\nChannel 1: Hopefully, later tonight. So,\n\nChannel 0: Yeah. No problem at\n\nChannel 1: yeah,\n\nChannel 0: all.\n\nChannel 1: and I've sort of been, yeah, a bit weird this month. I've had I've been on jury duty, and it's I haven't\n\nChannel 0: Yeah.\n\nChannel 1: I've only sort of been in there once, and my number didn't get called out. And every day, you don't know whether you're being called in or not.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: So\n\nChannel 0: It\n\nChannel 1: it's\n\nChannel 0: throws\n\nChannel 1: like\n\nChannel 0: your\n\nChannel 1: every\n\nChannel 0: day.\n\nChannel 1: yeah. Every day at 04:00, it's like, oh, am I going in tomorrow, or am I going to work? So\n\nChannel 0: What's\n\nChannel 1: yeah.\n\nChannel 0: happening? Is that\n\nChannel 1: That's\n\nChannel 0: much\n\nChannel 1: it.\n\nChannel 0: longer for you? Is\n\nChannel 1: Till\n\nChannel 0: that\n\nChannel 1: the end of the month.\n\nChannel 0: oh, it's just still still a bit of\n\nChannel 1: Yeah.\n\nChannel 0: time.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Well, obviously, good luck with it, and, hopefully,\n\nChannel 1: Yep.\n\nChannel 0: you know, you do get called if you would like it. Or if not, at least you know, so you can\n\nChannel 1: Yep. Yeah.\n\nChannel 0: decide\n\nChannel 1: That's\n\nChannel 0: what\n\nChannel 1: it.\n\nChannel 0: to do. But like I said, Adrian, any questions when you have a read through the documents, just let me\n\nChannel 1: Definitely.\n\nChannel 0: know. But,\n\nChannel 1: No\n\nChannel 0: otherwise,\n\nChannel 1: worries.\n\nChannel 0: I will keep a lookout for that document, and we can get that all\n\nChannel 1: Yep.\n\nChannel 0: processed for you.\n\nChannel 1: No problems. Thank you so much.\n\nChannel 0: Perfect. No problem at all. I hope you have\n\nChannel 1: Alright.\n\nChannel 0: a lovely afternoon.\n\nChannel 1: And\n\nChannel 0: And anything\n\nChannel 1: you too.\n\nChannel 0: else that you need, let me know.\n\nChannel 1: No worries. Have a great night.\n\nChannel 0: Mhmm. Thanks, Adrian. You\n\nChannel 1: Thanks\n\nChannel 0: too.\n\nChannel 1: a lot. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.92,"end":2.42,"sentiment":"neutral","sentiment_score":0.044245436787605286}],"sentiment":"neutral","sentiment_score":0.044245436787605286,"channel":1,"num_words":1,"start":1.92,"end":2.42},{"sentences":[{"text":"Good afternoon.","start":3.1999998,"end":3.84,"sentiment":"neutral","sentiment_score":0.29354626685380936},{"text":"This is Adrianne.","start":3.84,"end":4.66,"sentiment":"neutral","sentiment_score":0.19880333542823792}],"sentiment":"neutral","sentiment_score":0.23670050799846648,"channel":0,"num_words":5,"start":3.1999998,"end":4.66},{"sentences":[{"text":"Speaking.","start":5.2799997,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.15039905905723572}],"sentiment":"neutral","sentiment_score":0.15039905905723572,"channel":1,"num_words":1,"start":5.2799997,"end":5.7799997},{"sentences":[{"text":"This is Veronica from Financial.","start":6.0,"end":7.7,"sentiment":"neutral","sentiment_score":0.18896986544132233},{"text":"How are you this afternoon?","start":8.16,"end":9.3,"sentiment":"neutral","sentiment_score":0.23330996930599213}],"sentiment":"neutral","sentiment_score":0.21113991737365723,"channel":0,"num_words":10,"start":6.0,"end":9.3},{"sentences":[{"text":"I'm good.","start":9.2,"end":9.679999,"sentiment":"positive","sentiment_score":0.5685144662857056},{"text":"Thanks.","start":9.679999,"end":10.08,"sentiment":"positive","sentiment_score":0.6173300743103027},{"text":"Yourself?","start":10.08,"end":10.58,"sentiment":"neutral","sentiment_score":0.3322080075740814}],"sentiment":"positive","sentiment_score":0.5216417536139488,"channel":1,"num_words":4,"start":9.2,"end":10.58},{"sentences":[{"text":"Yeah.","start":10.8,"end":11.12,"sentiment":"positive","sentiment_score":0.3507317900657654},{"text":"I'm good.","start":11.12,"end":11.599999,"sentiment":"positive","sentiment_score":0.5347507148981094},{"text":"Thanks.","start":11.599999,"end":12.099999,"sentiment":"positive","sentiment_score":0.6290115118026733},{"text":"I had you booked in for a quick quick catch up to run through this strategy recommendation.","start":13.12,"end":18.055,"sentiment":"neutral","sentiment_score":0.29689976660644307},{"text":"Is now still a good time for you?","start":18.195,"end":19.735,"sentiment":"neutral","sentiment_score":0.24627093225717545}],"sentiment":"neutral","sentiment_score":0.3126451111045377,"channel":0,"num_words":29,"start":10.8,"end":19.735},{"sentences":[{"text":"Yeah.","start":19.795,"end":19.955,"sentiment":"neutral","sentiment_score":0.13720573484897614},{"text":"That's fine.","start":19.955,"end":20.775,"sentiment":"neutral","sentiment_score":0.18313559144735336}],"sentiment":"neutral","sentiment_score":0.1678256392478943,"channel":1,"num_words":3,"start":19.795,"end":20.775},{"sentences":[{"text":"Yeah.","start":20.835,"end":21.154999,"sentiment":"neutral","sentiment_score":0.16515950858592987},{"text":"Okay.","start":21.154999,"end":21.635,"sentiment":"neutral","sentiment_score":0.20610490441322327},{"text":"Perfect.","start":21.635,"end":22.135,"sentiment":"neutral","sentiment_score":0.3084338307380676},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with","start":22.515,"end":30.0,"sentiment":"neutral","sentiment_score":0.050203755808373295}],"sentiment":"neutral","sentiment_score":0.06623669448449757,"channel":0,"num_words":33,"start":20.835,"end":30.0},{"sentences":[{"text":"Yep.","start":29.954998,"end":30.435,"sentiment":"neutral","sentiment_score":0.07500126957893372},{"text":"No problems.","start":30.435,"end":31.175,"sentiment":"neutral","sentiment_score":0.15602877736091614}],"sentiment":"neutral","sentiment_score":0.12901960810025534,"channel":1,"num_words":3,"start":29.954998,"end":31.175},{"sentences":[{"text":"you.","start":31.68,"end":31.76,"sentiment":"neutral","sentiment_score":0.1515817493200302},{"text":"Perfect.","start":31.76,"end":32.260002,"sentiment":"neutral","sentiment_score":0.2709859311580658},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me,","start":32.64,"end":39.04,"sentiment":"neutral","sentiment_score":0.09140988230705262}],"sentiment":"neutral","sentiment_score":0.10028943474645968,"channel":0,"num_words":27,"start":31.68,"end":39.04},{"sentences":[{"text":"Yep.","start":38.97,"end":39.370003,"sentiment":"neutral","sentiment_score":0.06316115707159042}],"sentiment":"neutral","sentiment_score":0.06316115707159042,"channel":1,"num_words":1,"start":38.97,"end":39.370003},{"sentences":[{"text":"please?","start":39.04,"end":39.54,"sentiment":"neutral","sentiment_score":0.05045601725578308}],"sentiment":"neutral","sentiment_score":0.05045601725578308,"channel":0,"num_words":1,"start":39.04,"end":39.54},{"sentences":[{"text":"So Adrian Burrison, '9 eighteenth to the eleventh seventy six and ninety five Soandra Crescent in Monterey North.","start":39.370003,"end":47.965,"sentiment":"neutral","sentiment_score":0.04025913754271136}],"sentiment":"neutral","sentiment_score":0.04025913754271136,"channel":1,"num_words":18,"start":39.370003,"end":47.965},{"sentences":[{"text":"Yeah.","start":47.945,"end":48.185,"sentiment":"neutral","sentiment_score":0.14037787914276123},{"text":"Perfect.","start":48.185,"end":48.665,"sentiment":"positive","sentiment_score":0.35943156480789185},{"text":"That's exactly what I have here.","start":48.665,"end":50.185,"sentiment":"positive","sentiment_score":0.4775230487187703},{"text":"And how's your day been so far?","start":50.185,"end":51.625,"sentiment":"neutral","sentiment_score":0.0898481687264783},{"text":"Been busy or still working","start":51.625,"end":53.225,"sentiment":"neutral","sentiment_score":-0.031120456382632257}],"sentiment":"neutral","sentiment_score":0.1919141317717731,"channel":0,"num_words":20,"start":47.945,"end":53.225},{"sentences":[{"text":"Yeah.","start":53.065,"end":53.385,"sentiment":"neutral","sentiment_score":-0.034905411303043365}],"sentiment":"neutral","sentiment_score":-0.034905411303043365,"channel":1,"num_words":1,"start":53.065,"end":53.385},{"sentences":[{"text":"away?","start":53.225,"end":53.725,"sentiment":"neutral","sentiment_score":-0.027965696528553963}],"sentiment":"neutral","sentiment_score":-0.027965696528553963,"channel":0,"num_words":1,"start":53.225,"end":53.725},{"sentences":[{"text":"Busy.","start":53.385,"end":53.885,"sentiment":"neutral","sentiment_score":-0.00009091198444366456}],"sentiment":"neutral","sentiment_score":-0.00009091198444366456,"channel":1,"num_words":1,"start":53.385,"end":53.885},{"sentences":[{"text":"Yeah.","start":54.345,"end":54.845,"sentiment":"neutral","sentiment_score":0.024075187742710114}],"sentiment":"neutral","sentiment_score":0.024075187742710114,"channel":0,"num_words":1,"start":54.345,"end":54.845},{"sentences":[{"text":"Yeah.","start":55.305,"end":55.805,"sentiment":"neutral","sentiment_score":0.04356571286916733}],"sentiment":"neutral","sentiment_score":0.04356571286916733,"channel":1,"num_words":1,"start":55.305,"end":55.805},{"sentences":[{"text":"Well, I will try and make it quick for you.","start":55.625,"end":58.285,"sentiment":"neutral","sentiment_score":0.08814478367567062}],"sentiment":"neutral","sentiment_score":0.08814478367567062,"channel":0,"num_words":10,"start":55.625,"end":58.285},{"sentences":[{"text":"No","start":58.504997,"end":58.745,"sentiment":"neutral","sentiment_score":0.01842600479722023}],"sentiment":"neutral","sentiment_score":0.01842600479722023,"channel":1,"num_words":1,"start":58.504997,"end":58.745},{"sentences":[{"text":"Do","start":58.665,"end":58.825,"sentiment":"neutral","sentiment_score":0.0030252132564783096}],"sentiment":"neutral","sentiment_score":0.0030252132564783096,"channel":0,"num_words":1,"start":58.665,"end":58.825},{"sentences":[{"text":"worries.","start":58.745,"end":59.16,"sentiment":"neutral","sentiment_score":0.003910434432327747}],"sentiment":"neutral","sentiment_score":0.003910434432327747,"channel":1,"num_words":1,"start":58.745,"end":59.16},{"sentences":[{"text":"you have access to your emails at the moment or or not","start":58.825,"end":61.85,"sentiment":"neutral","sentiment_score":-0.0030805006002386412}],"sentiment":"neutral","sentiment_score":-0.0030805006002386412,"channel":0,"num_words":12,"start":58.825,"end":61.85},{"sentences":[{"text":"Yeah.","start":62.36,"end":62.52,"sentiment":"neutral","sentiment_score":0.0020865872502326965}],"sentiment":"neutral","sentiment_score":0.0020865872502326965,"channel":1,"num_words":1,"start":62.36,"end":62.52},{"sentences":[{"text":"really?","start":62.39,"end":62.89,"sentiment":"neutral","sentiment_score":0.012830196879804134}],"sentiment":"neutral","sentiment_score":0.012830196879804134,"channel":0,"num_words":1,"start":62.39,"end":62.89},{"sentences":[{"text":"I do.","start":62.52,"end":63.18,"sentiment":"neutral","sentiment_score":0.043045807629823685}],"sentiment":"neutral","sentiment_score":0.043045807629823685,"channel":1,"num_words":2,"start":62.52,"end":63.18},{"sentences":[{"text":"Yeah.","start":63.43,"end":63.829998,"sentiment":"neutral","sentiment_score":0.04824288561940193},{"text":"Okay.","start":63.829998,"end":64.33,"sentiment":"neutral","sentiment_score":0.0662311464548111},{"text":"So I've just sent you an email with the documents to go through quickly","start":64.63,"end":71.049995,"sentiment":"neutral","sentiment_score":0.09988532587885857}],"sentiment":"neutral","sentiment_score":0.09455428714863956,"channel":0,"num_words":16,"start":63.43,"end":71.049995},{"sentences":[{"text":"Yep.","start":71.735,"end":72.235,"sentiment":"neutral","sentiment_score":0.06297273188829422}],"sentiment":"neutral","sentiment_score":0.06297273188829422,"channel":1,"num_words":1,"start":71.735,"end":72.235},{"sentences":[{"text":"if you are able 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afternoon.","start":767.31,"end":768.19,"sentiment":"positive","sentiment_score":0.7616411050160726}],"sentiment":"positive","sentiment_score":0.7616411050160726,"channel":0,"num_words":3,"start":767.31,"end":768.19},{"sentences":[{"text":"And","start":768.17,"end":768.49,"sentiment":"positive","sentiment_score":0.5576892495155334}],"sentiment":"positive","sentiment_score":0.5576892495155334,"channel":1,"num_words":1,"start":768.17,"end":768.49},{"sentences":[{"text":"And anything","start":768.19,"end":768.75,"sentiment":"positive","sentiment_score":0.4885280728340149}],"sentiment":"positive","sentiment_score":0.4885280728340149,"channel":0,"num_words":2,"start":768.19,"end":768.75},{"sentences":[{"text":"you too.","start":768.49,"end":769.23,"sentiment":"neutral","sentiment_score":0.33250828832387924}],"sentiment":"neutral","sentiment_score":0.33250828832387924,"channel":1,"num_words":2,"start":768.49,"end":769.23},{"sentences":[{"text":"else that you need, let me know.","start":768.75,"end":770.45,"sentiment":"neutral","sentiment_score":0.3313785472086498}],"sentiment":"neutral","sentiment_score":0.3313785472086498,"channel":0,"num_words":7,"start":768.75,"end":770.45},{"sentences":[{"text":"No worries.","start":770.49,"end":770.89,"sentiment":"positive","sentiment_score":0.39012549817562103},{"text":"Have a great night.","start":770.89,"end":771.87,"sentiment":"positive","sentiment_score":0.6799429059028625}],"sentiment":"positive","sentiment_score":0.5833371033271154,"channel":1,"num_words":6,"start":770.49,"end":771.87},{"sentences":[{"text":"Mhmm.","start":772.02997,"end":772.19,"sentiment":"neutral","sentiment_score":0.22177985310554504},{"text":"Thanks, Adrian.","start":772.19,"end":772.99,"sentiment":"positive","sentiment_score":0.6228851079940796},{"text":"You","start":772.99,"end":773.15,"sentiment":"positive","sentiment_score":0.566102147102356}],"sentiment":"positive","sentiment_score":0.508413054049015,"channel":0,"num_words":4,"start":772.02997,"end":773.15},{"sentences":[{"text":"Thanks","start":773.05,"end":773.45,"sentiment":"positive","sentiment_score":0.7383953928947449}],"sentiment":"positive","sentiment_score":0.7383953928947449,"channel":1,"num_words":1,"start":773.05,"end":773.45},{"sentences":[{"text":"too.","start":773.15,"end":773.65,"sentiment":"positive","sentiment_score":0.6413975358009338}],"sentiment":"positive","sentiment_score":0.6413975358009338,"channel":0,"num_words":1,"start":773.15,"end":773.65},{"sentences":[{"text":"a lot.","start":773.45,"end":773.85,"sentiment":"positive","sentiment_score":0.502015009522438},{"text":"Bye.","start":773.85,"end":774.35,"sentiment":"neutral","sentiment_score":0.2698619067668915}],"sentiment":"positive","sentiment_score":0.42463064193725586,"channel":1,"num_words":3,"start":773.45,"end":774.35},{"sentences":[{"text":"Bye.","start":774.59,"end":775.09,"sentiment":"neutral","sentiment_score":-0.1023447886109352}],"sentiment":"neutral","sentiment_score":-0.1023447886109352,"channel":0,"num_words":1,"start":774.59,"end":775.09}]},"summary":{"result":"success","short":"A representative from Financial runs a strategy recommendation on a customer's personal information and warns them of potential risks and risks associated with any investment option. They explain the benefits of the strategy and provide personal information and risk profiles for the customer. The fee is included in the asset allocation and the fee process is explained, along with instructions for signing documents and reading over the documents. The speaker provides instructions for the customer to read over the documents and the fee process, and provides instructions for signing the documents and the service fee."},"intents":{"segments":[{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with Yep. No problems.","start_word":56,"end_word":88,"intents":[{"intent":"Provide call details","confidence_score":0.008925857},{"intent":"Transfer call","confidence_score":0.0043219747}]},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, Yep. please?","start_word":91,"end_word":117,"intents":[{"intent":"Confirm identity","confidence_score":0.7749926},{"intent":"Confirm identity","confidence_score":0.41854864},{"intent":"Confirm contact details","confidence_score":0.012356357}]},{"text":"you have access to your emails at the moment or or not Yeah. really?","start_word":174,"end_word":187,"intents":[{"intent":"Confirm access to documents","confidence_score":0.009665093}]},{"text":"Now you will see that everything has been outlined for you to make it really nice and easy and also the reasons why we have made the recommendations that we have.","start_word":951,"end_word":981,"intents":[{"intent":"Reiterate recommendations","confidence_score":0.0005022662}]},{"text":"And then kind of every annual review and we when we reassess it, we can then do those partial rollovers into hub 24 if appropriate to make sure, you know, it continues to grow there for you. Yep.","start_word":1042,"end_word":1079,"intents":[{"intent":"Reassessment hub 24 and discuss its benefits","confidence_score":0.00003138669},{"intent":"Review hub 24's benefits","confidence_score":0.0019118274}]},{"text":"Now there are alternatives considered.","start_word":1226,"end_word":1230,"intents":[{"intent":"Consider options for boosting investment opportunities","confidence_score":5.8773566e-7}]},{"text":"So I also did some research on your hub twenty four account just to make sure it's still the best one for you, and it very much is. There are a lot of competitors I had to look at as well, but hub twenty four is very, very much up there in terms of features that you can get for it, but also value for money.","start_word":1231,"end_word":1296,"intents":[{"intent":"Assess hub twenty four's performance","confidence_score":0.000057134323},{"intent":"Confirm hub twenty four's benefits","confidence_score":0.0037595273}]},{"text":"There are a lot of competitors I had to look at as well, but hub twenty four is very, very much up there in terms of features that you can get for it, but also value for money.","start_word":1259,"end_word":1296,"intents":[{"intent":"Inquire about hub twenty four's value for money","confidence_score":0.0027069978}]},{"text":"Now the basically, if you scroll, when you do have access to it, you will see kind of an updated projection done for you. So that is on page 17 when you are able to look at it. But No it basically worries.","start_word":1337,"end_word":1379,"intents":[{"intent":"Discuss and review projection","confidence_score":0.00006194251}]},{"text":"I've made a couple of other changes I'll go through with you shortly. Yep. But, basically, the the new portfolio, the new recommendation, using the same three year rolling average period, has performed at 16.47%. So a little bit better by 3.36, which does make a difference, Absolutely.","start_word":1492,"end_word":1539,"intents":[{"intent":"Analyze portfolio changes","confidence_score":0.008284108}]},{"text":"similar kind of concept, very similar investment styles and everything like that. It's just kind of a little bit cheaper and performed a little bit better for you. So it's still keep Alright. keeping everything else the same. Does that all make sense? Yes.","start_word":1709,"end_word":1752,"intents":[{"intent":"Understand investment style","confidence_score":0.000014542497}]},{"text":"If you have any other questions, then you can always give me a callback. Or if you do have a read over it and it all makes sense, you can always sign that again, and then we get notified. Yep.","start_word":2074,"end_word":2113,"intents":[{"intent":"Ask questions","confidence_score":0.018053886}]},{"text":"I'll definitely Yeah. sign that Yeah.","start_word":2116,"end_word":2121,"intents":[{"intent":"Confirm understanding","confidence_score":0.019696657}]},{"text":"But like I said, Adrian, any questions when you have a read through the documents, just let me Definitely. know.","start_word":2294,"end_word":2313,"intents":[{"intent":"Review document","confidence_score":0.049764514}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. This is Adrianne. Speaking. This is Veronica from Financial. How are you this afternoon?","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.20056472718715668},{"text":"I'm good. Thanks.","start_word":17,"end_word":19,"sentiment":"positive","sentiment_score":0.5789042711257935},{"text":"Yourself?","start_word":20,"end_word":20,"sentiment":"neutral","sentiment_score":0.3322080075740814},{"text":"Yeah. I'm good. Thanks.","start_word":21,"end_word":24,"sentiment":"positive","sentiment_score":0.5098042488098145},{"text":"I had you booked in for a quick quick catch up to run through this strategy recommendation. Is now still a good time for you? Yeah. That's fine. Yeah. Okay. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with Yep. No problems. you. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, Yep. please? So Adrian Burrison, '9 eighteenth to the eleventh seventy six and ninety five Soandra Crescent in Monterey North. Yeah.","start_word":25,"end_word":136,"sentiment":"neutral","sentiment_score":0.1183031126856804},{"text":"Perfect. That's exactly what I have here.","start_word":137,"end_word":143,"sentiment":"positive","sentiment_score":0.4388338625431061},{"text":"And how's your day been so far? Been busy or still working Yeah. away? Busy. Yeah. Yeah. Well, I will try and make it quick for you. No Do worries. you have access to your emails at the moment or or not Yeah. really? I do. Yeah. Okay. So I've just sent you an email with the documents to go through quickly Yep. if you are able to it No worries. I'll just have to get them up on the phone. up. Hang on Yeah. a No. sec. That's alright. Alright. Yeah. I have got them there. I'm gonna it's gonna be a bit hard for me to go through them. I'm sitting on the bus. No. That's So okay. whatever If you you need me to is it just signing them? Or yes. But I do wanna run through it with you first. yep. If you can just go through them with Yeah. yeah. That's fine. Perfect. And then you can always take your time afterwards. You do have access to it to read through it. And, you know, if you do have any other questions, then you can Yep.","start_word":144,"end_word":334,"sentiment":"neutral","sentiment_score":0.033804162897910744},{"text":"No problems at all.","start_word":335,"end_word":338,"sentiment":"positive","sentiment_score":0.3358007073402405},{"text":"Yeah. It's just it's a bit hard to put you on speaker when I'm on the bus. That's all. always just give me a callback. Yeah. No.","start_word":339,"end_word":365,"sentiment":"neutral","sentiment_score":-0.08576896041631699},{"text":"That's all good. It is pretty straightforward today.","start_word":366,"end_word":373,"sentiment":"positive","sentiment_score":0.4544338583946228},{"text":"A lot of it is just for compliance, so it is very wordy in there for you, but it's just to make sure that you obviously you understand everything and you are happy with it. But, essentially, obviously, following your annual review, I reviewed your Hub twenty four investments to see if we could swap out some that wasn't doing so well, like the Benelung investment for you and get that updated to see if we can, you know, improve the situation a little bit. Yep. And Mhmm. then, also, rolling over some of your money from rest that's obviously kept there for your insurances. Just making sure that we have the majority of your funds in the option that's going to give you the most. You kind of remember that conversation? Absolutely. Yep. Yeah.","start_word":374,"end_word":508,"sentiment":"neutral","sentiment_score":0.153057798743248},{"text":"Right. Perfect.","start_word":509,"end_word":510,"sentiment":"positive","sentiment_score":0.3990607261657715},{"text":"Now I did speak to rest as well after we spoke because I know you were waiting on that kind of lump sum contribution Yep. from your employer, and that was deposited exactly when you said it was on that Friday. So that was Yep. all dropped into your account, so that was No worries. good. Now as you do have a read through it, you will see on on on the cover page there, you will see my authorized representative number there. That's just basically my license number, and I am obviously licensed under OTU Financial. Yep. And everything all the advice and the recommendations that we do, we follow that bench interest duty, which is to make sure that we always act in your best interest at all time. And the advice itself has to put you in a better position. Otherwise, we can't actually make the recommendation. No worries. Yep. Yep. Now it is valid for a little bit as well.","start_word":511,"end_word":674,"sentiment":"neutral","sentiment_score":0.12023282051086426},{"text":"So if you wanna take your time to read over it, you know, you're more than happy to so. Otherwise, Yep. it is pretty straightforward just focusing on your superannuation essentially.","start_word":675,"end_word":705,"sentiment":"positive","sentiment_score":0.5118764042854309},{"text":"So when you do have a read over it, you will see kind of your superannuation goals and that we have factored that into the advice. We've only kind of factored in insurances on a limited basis just to show you the impact your current insurances has within superannuation, but we're not making any changes through the the life and keep it in income protecting Yep. No problem, you have progressed? Yeah. And now when you have a look through it as well, there are a couple of pages with some personal information about you as well just from the fax line. Just have a bit of a read over it, and you know if anything needs updated, just let us know. No worries. That's fine.","start_word":706,"end_word":831,"sentiment":"neutral","sentiment_score":0.1545335203409195},{"text":"Perfect.","start_word":832,"end_word":832,"sentiment":"positive","sentiment_score":0.5733209848403931},{"text":"You will see some information in regards to your risk profile as well. So we're not making any changes to your high growth. We are keeping you within the same risk profile, just making a couple of tweaks and changes to your investments. So Okay. still very much focusing on maximizing the growth in your superannuation for you, having about that 80% in your growth investments 90, sorry, about 90% in those growth investments, and then about 10% in those defensive. Just trying to make sure we maximize that growth as much as possible, but still having a little bit of those defensive to limit fluctuations a little bit. Yep. Yep. Oh, that's correct. Yep.","start_word":833,"end_word":947,"sentiment":"neutral","sentiment_score":0.1650279462337494},{"text":"I see. Perfect. Now you will see that everything has been outlined for you to make it really nice and easy and also the reasons why we have made the recommendations that we have.","start_word":948,"end_word":981,"sentiment":"positive","sentiment_score":0.5145277976989746},{"text":"Yep. It is pretty straightforward, though. We are one of retaining about 15,000 in rest for the time being anyway and making sure we have enough money in there to allow for a bit of market but then also your insurances to come out of it.","start_word":982,"end_word":1027,"sentiment":"neutral","sentiment_score":0.2027386724948883},{"text":"And it's good that you have your employer contributions going into rest as well. And then kind of every annual review and we when we reassess it, we can then do those partial rollovers into hub 24 if appropriate to make sure, you know, it continues to grow there for you.","start_word":1028,"end_word":1078,"sentiment":"positive","sentiment_score":0.4572594463825226},{"text":"Yep. Now, basically, you will then see, you know, there are advantages in terms of the recommendation. Obviously, some disadvantages and risks to be mindful of as well. One of risks to be mindful of as well. One of the risk is, you know, there's always a level of risk associated with any investment option. And, obviously, a a disadvantage is that, you know, once we process the payment of rolling that over as quickly as possible, it will be obviously sell down to cash and then transferred over. And, you know, if the market does fluctuate a little bit in that time, that can obviously be a bit of change there for you. It all kind of happens in the back end administrative wise, So, obviously, something to be mindful of. You're following so far, No. Adrianne? Yeah. I am. Yeah. That's Yes. fine. Yeah.","start_word":1079,"end_word":1224,"sentiment":"neutral","sentiment_score":-0.12162303179502489},{"text":"Perfect.","start_word":1225,"end_word":1225,"sentiment":"positive","sentiment_score":0.3974680304527282},{"text":"Now there are alternatives considered. So I also did some research on your hub twenty four account just to make sure it's still the best one for you, and it very much is. There are a lot of competitors I had to look at as well, but hub twenty four is very, very much up there in terms of features that you can get for it, but also value for money.","start_word":1226,"end_word":1296,"sentiment":"neutral","sentiment_score":0.20045733451843264},{"text":"And I do have 24 for my personal super as well, and I Yep. do think it's it's really good.","start_word":1297,"end_word":1316,"sentiment":"positive","sentiment_score":0.4510877132415771},{"text":"And, otherwise, I wouldn't tell you to keep it, and I I wouldn't use it myself either. No. That's fine. Now the basically, if you scroll, when you do have access to it, you will see kind of an updated projection done for you. So that is on page 17 when you are able to look at it. But No it basically worries.","start_word":1317,"end_word":1379,"sentiment":"neutral","sentiment_score":0.03487270697951317},{"text":"puts all the figures on the table to make it nice and easy, Yep.","start_word":1380,"end_word":1393,"sentiment":"positive","sentiment_score":0.4437963366508484},{"text":"and it shows you your current situation that you have in Hub 24, how much you currently have in rest, what you are paying for in fees in total. It also kind of factors in your contributions and your insurances and the investment returns. So the combined investment return on your current situation, if we use a three year rolling average, is 14.2%.","start_word":1394,"end_word":1456,"sentiment":"neutral","sentiment_score":0.14579010009765625},{"text":"So Yep. it's still doing pretty good.","start_word":1457,"end_word":1463,"sentiment":"positive","sentiment_score":0.5837496519088745},{"text":"Yes. That's obviously using historical data. Things are always changing. So we've recently seen that been along kind of underperforming, so we do wanna switch that one out. I've made a couple of other changes I'll go through with you shortly. Yep. But, basically, the the new portfolio, the new recommendation, using the same three year rolling average period, has performed at 16.47%. So a little bit better by 3.36, which does make a difference, Absolutely.","start_word":1464,"end_word":1539,"sentiment":"neutral","sentiment_score":0.12100096791982652},{"text":"Yeah. investment fees a little bit cheaper as well, which which is nice.","start_word":1540,"end_word":1552,"sentiment":"positive","sentiment_score":0.5297070741653442},{"text":"Now I do wanna let you know that by making the change, because we are selling some investments, there are a little bit of a capital gains tax that will be paid within super. It's Mhmm. only about $398. Oh, okay. It's all Yep. from that. But just because, obviously, we're selling and rebuying investments, I do wanna just let you know that if you see that K. that's what that is. But, Yep. otherwise, when it comes to the investment there for you, the investment philosophy, everything stays the same. A majority of your vest investments are actually staying. It is just making a couple of changes. So the the one that we're kind of selling down is that Benelon Australian Equities because it has kind of underperformed a little bit. And we're basically doing a straight swap through another managed fund also focusing on Australian equities, and it's called Alfiniti. So very Alright. similar kind of concept, very similar investment styles and everything like that.","start_word":1553,"end_word":1719,"sentiment":"neutral","sentiment_score":0.10665421883860034},{"text":"It's just kind of a little bit cheaper and performed a little bit better for you.","start_word":1720,"end_word":1735,"sentiment":"positive","sentiment_score":0.4208680987358093},{"text":"So it's still keep Alright. keeping everything else the same. Does that all make sense?","start_word":1736,"end_word":1750,"sentiment":"neutral","sentiment_score":0.1854398101568222},{"text":"Yes. Absolutely. Yeah. Perfect. Yes. So pretty straightforward. When it comes through the asset allocation, like I said, keeping everything aligned with that high growth portfolio, not making any changes.","start_word":1751,"end_word":1780,"sentiment":"positive","sentiment_score":0.4333302676677704},{"text":"And, basically, the the last thing is obviously the fee. So if you do wanna go ahead and, you know, make the change of swapping that investment and rolling some of the money over from rest, there is no additional fees associated with that. That's all part of the ongoing advice fee. So no additional fees. Just that 1.65 from superannuation. That's just part of the service. Yep. No. That's fine. Yeah. I see. Does that all make sense? Do you have any It questions it does. at all there? Yeah. It's sort of like every time I go through it, it gets easier and easier Yeah. to understand. Yes. And today was pretty straightforward because we're not changing too much. It's literally So just yep. just amending some of those investments and enrolling some money over that to help us. Yes. Yeah. No. It helps when you can see what's actually going on and you can see It that, does. you know, the investment in the ladder are working. So Yes. yeah. Yes. So, obviously, from here on, Esa, if you if you are happy to go ahead with the change, I will just need you to sign the documents when you do get a chance. You can just click on that link, and it will ask you to draw your signature. Once that's been completed, it'll send it back to me, and I will let the team know to process that. But, obviously, because you haven't had a chance to look at it because you're on the bus, if you wanna take some time and read over it when you get home or in the next couple of days as well, by all means, you're more than welcome to do that. If you have any other questions, then you can always give me a callback. Or if you do have a read over it and it all makes sense, you can always sign that again, and then we get notified. Yep. Yep. No. I'll definitely Yeah. sign that Yeah. and have a look at it when I get a chance. Yeah. Hopefully, later tonight. So, Yeah. No problem at yeah, all. and I've sort of been, yeah, a bit weird this month. I've had I've been on jury duty, and it's I haven't Yeah. I've only sort of been in there once, and my number didn't get called out. And every day, you don't know whether you're being called in or not. Yeah. Yeah. So It it's throws like your every day. yeah. Every day at 04:00, it's like, oh, am I going in tomorrow, or am I going to work? So What's yeah. happening? Is that That's much it. longer for you? Is Till that the end of the month. oh, it's just still still a bit of Yeah. time. Yeah. Yeah.","start_word":1781,"end_word":2255,"sentiment":"neutral","sentiment_score":0.10672171991122396},{"text":"Well, obviously, good luck with it, and, hopefully, Yep.","start_word":2256,"end_word":2264,"sentiment":"positive","sentiment_score":0.4400535821914673},{"text":"you know, you do get called if you would like it. Or if not, at least you know, so you can Yep. Yeah. decide That's what it. to do. But like I said, Adrian, any questions when you have a read through the documents, just let me Definitely. know. But, No otherwise, worries. I will keep a lookout for that document, and we can get that all Yep. processed for you. No problems.","start_word":2265,"end_word":2337,"sentiment":"neutral","sentiment_score":0.1744118183851242},{"text":"Thank you so much. Perfect. No problem at all. I hope you have Alright. a lovely afternoon. And And anything you too. else that you need, let me know. No worries. Have a great night.","start_word":2338,"end_word":2372,"sentiment":"positive","sentiment_score":0.5908825397491455},{"text":"Mhmm.","start_word":2373,"end_word":2373,"sentiment":"neutral","sentiment_score":0.22177985310554504},{"text":"Thanks, Adrian. You Thanks too. a lot.","start_word":2374,"end_word":2380,"sentiment":"positive","sentiment_score":0.5905744433403015},{"text":"Bye. Bye.","start_word":2381,"end_word":2382,"sentiment":"neutral","sentiment_score":0.23420792818069455}],"average":{"sentiment":"neutral","sentiment_score":0.14830310312595624}}}}