{"metadata":{"transaction_key":"deprecated","request_id":"01a06514-f60a-7d42-88d6-2c6250e1aabe","sha256":"ee362a5e49c8d084a05768ac74634d2de2aced458eddf1cc12c66f2fc7f8fd1d","created":"2026-09-03T02:24:34.781Z","duration":830.30396,"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":3380,"output_tokens":118},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3745,"output_tokens":3753},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3745,"output_tokens":765}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, David. This is Dana from Oakview Financial. How are you this morning or this afternoon? Sorry. That's I'm very well. Thank you. I had people think to go through your updated statement of advice. We've made some changes to your portfolio to sort of make sure we're working towards your goals. Is now still a good time there for you? If it's not, that's honestly okay. I'm happy to make another time if it suits you better. That's okay. Beautiful. Olga, we normally send the documents to you via email. Are you able to do that? If you're not, I can just run through the recommendations, and then you're welcome to look at it as it later. What's more preferable for you? Yeah. That's yeah. No worries at all. Well, if you like, I'll run through the recommendations. I'll try to keep them as easy as possible for you, and then I'll make sure the document comes through to your email so you can review it a bit later on there. Okay? Excellent. And before I jump into the call, I do need to let you know I am recording the call for training and quality purposes. Are you happy for me to proceed with that? Fantastic. And I just need to do a quick security check just to confirm your full name, your date of birth, and address that I should have on file for you. Yeah. Yep. Beautiful. Thank you so much for that. So, David, with regards to the advice, when you're looking at that, it has been prepared for yourself. Our advice documents are valid the dates from the date on the document. So it is stated for today's date, the 09/03/2026 there. We've also got on the bottom there my license number. I'm registered with Aptive as a licensed adviser, and my registration number is 1304394. Okay? So with regards to the advice here, essentially, he sorry. Essentially, we're looking at the superannuation side of things. So when we caught up last time, you were in that high growth environment. You were happy to stay in that high growth environment for a bit longer. You have made mention to me that you think you'll be working through to about the age of 70 at the moment if your body allows it, plus the caveat there, and hoping to your income of a thousand dollars a week. Does that still sound appropriate for you? Yep. Beautiful. I've also factored in a little bit of the estate planning for other things as well. So one of the things that we talked about was the beneficiary. Now you wanted to have your beneficiary updated to your partner when you moved in together, and I believe that something that has now occurred. Is that right? Yes. Well, congratulations. How's it all going living together in a new house? Yeah. Oh, Yeah. You said that. Yeah. Fantastic. Congratulations. Look, honestly, the best relationship to build off friendship, so that's fantastic. I'm so happy for you. You no worries. Essentially, with the advice with the super side of things. So after our call, I went back and I reviewed your super. I looked at Netwealth as well as all the other funds out there to make sure that things are working as hard as possible for you. My job as an adviser is to work in the best interest, Judy, which is part of corporations act. So, essentially, we're here to work towards your goals and in in in your best interest. So any advice we do provide does need to be working towards your goals and does need to be proven to be in your best interest. So as part of the advice document, as you are reading through the recommendations a bit later on, you will notice we've got a best interest duty, which outlines why the recommendations are suited in your best interest and how they can help you work towards your goals. Okay? Now what I've essentially recommended here is that we do retain Netwealth. So I did look at all the other funds out there. Netwealth is still a good fund. There's no real reason to kind of look at the change in the fund. One of the important things I do look at when I'm looking at a portfolio is the capital gains consequences. So just like you, your super fund pays income tax and capital gains tax. It does a tax return every year. And, essentially, if we were to look at maneuvering or selling down your entire portfolio and moving you to another fund, your super fund would have been liable for capital gains over $4,586. So I wanted to not do that. I wanted to limit that capital gains consequence on your super so that you could have more money invested for you working harder. Okay? What I so I'd recommend that you stay within net wealth. It is a good fund. There's nothing wrong with the fund there. But I am recommending we make a bit of a change to your portfolio. Essentially, one of the things we talked about earlier was that there was an underlying investment, the Bennelong Equity Fund, and that one there has been underperforming. So we have removed that out earlier in the year. And for now, we essentially just wanna kinda rebalance things and make sure the investors are working harder for you. So within your portfolio, we replace that spend along equities with the beta shares a 200. That's actually a much more it's a cheaper fund because it's more passively managed. The a 200, essentially also gives you greater diversification. So one of the things that I do like about the swap is that Bennelong only has between 15 to 25 different investment options in there. However, the BetaShares a 200 gives you access to about 200 companies on the Australian market. And as a cheaper investment, it actually works in your favor because there's less money being paid out for investment fees, which is important. So what I essentially looked at doing for you was just altering your portfolio, rebalancing a few things to make sure that you were invested within that high growth environment, but in a way that helps the lower overall risk of your portfolio. When you're looking at the document, you will see the changes. I'll limit how much I throw at you today to make it easier. But, essentially, within the portfolio, once we make the switch of the investment, you'll essentially see your portfolio with about 7% in physical gold, still 25% in Australian equities, 6% in cybersecurity. We still wanna hold 9% in the European market there, 5% in the Japanese market, 35% in the S and P 500 because the American market still is performing well, and we do wanna see that continue. And then we're also adding an inclusion of the Vanguard All World US investment. This is giving you access to the entire globe, minus the American market because we hold 35% in the S and P 500. One of the biggest things about the best thing about lowering risk is diversifying across the globe, and this investment helps to do that. And then in that high growth environment, we still wanna hold some low risk defensive investments. So, essentially, we'll still see some core composite funds and things like that in there for you as well. Okay. Excellent. Beautiful. I won't confuse you too much, but when you see the document, if you find you have questions in relation to those investments, you're welcome to come back and let me know. Okay? Excellent. The important thing and the reason I've kind of done the switch for you is that when we look at how your your last investments have performed in a high risk environment there, we essentially have seen them at about 11.17%. So it's a low they've averaged about 11%, which is absolutely fine, but this newer portfolio has essentially provided a greater return. So we wanna make sure that we're in an environment where diversifying to lower risk. We're getting the best possible return that the portfolio can provide. So that's one of the reasons I've done it. Your older portfolio has returned about 11.17%. The newer portfolio has averaged 11.55%. So a little bit more growth there is always important for you. The other thing that I do like is that it saves an investment fee. So it's averaging about $71 cheaper than your current portfolio. It's only a small difference, but when you think about that compounding over the next five to ten years, that can have a greater effect on your portfolio long term there. Okay? And as I as I mentioned before, we do have capital gains consequences. So to make the investments between the portfolio, I've been able to limit the capital gains consequence. Your super fund would only have to cover $543 in capital gains consequences, which is a good low amount for them to cover to make sure your portfolio is working and cheaper for you as well. Does that make sense? Do you have any questions? I'm so sorry. It can be a lot when you're not looking at the documents, but is there anything you wanted to ask? Yeah. That's okay. That's all good. I'm also recommending that with the beneficiary side of things that you do have the beneficiaries applied. You don't have those at the moment within your fund there. Essentially, we are recommending that you apply them to your partner. So now that you are living together, that we do add her to the beneficiary as a binding non lapsing. So in the event that something happens, as per your original wishes, that money can be paid out to her to sort of cover any expenses, cover mortgage payments, and things like that. So my team can help to have those prefilled. But at the moment, with not having any beneficiaries on file, it does leave a a bit of a gap at the risk there. But if anything happens to you, your super has to go through a probate process, and that can have big consequences or be very difficult on your family when they are trying to claim against that. So it does mean that your sleep and your life cover may disappear and not be paid to the person that you wanted to be paid to, essentially. Okay. Yeah. Excellent. I've also made a recommendation that you do speak to a solicitor, especially now that you are living together and you do have a will and power of attorney done up. That is really important to make sure that everything that you've got is secured, that you have it directed to where you want it to be, and having a power of attorney also set up to make sure that it is covering anything that you wanted to cover. So a power of attorney actually that's the will to cover anything you want to cover, have a pay to where you want it to be, but a power of attorney essentially allows someone to make decisions for you on your behalf in the event that you're not able to make those decisions. Let's say that you're medically incapacitated and someone needs to make medical decisions in line with your wishes for you. So those are also really important documents to have done up, and they are done by a solicitor. So we do most likely to make sure we have that in there and can refer you to a solicitor to have more of an in-depth legal conversation around that for you as well. Okay? Excellent. And the only other thing I have in here is the insurance side of things. We're not altering those in any way, shape, or form. We're retaining your income protection. You are happy to retain that moving forward. They're not making any new recommendations around life, PPD, or trauma cover that was something you weren't interested in looking at. But down the track, if you wanna have more of a compensation or reassess those, you're absolutely welcome to let me know, and we can do that. It's not a problem. I've tried to make it as easy as possible because you'll get to go back and read the documents there. But did you have any questions? Is there anything that's come to mind currently or anything you needed me to break down a bit more for you? I'm so sorry. Oh, good. Yeah. Oh, absolutely. Let me just pop in there for you. And as for the advice documents, so this is actually done off as per today's balance, and we it technically runs on the same balance because it's based on yesterday, and the balance today doesn't get updated till this afternoon. So it will work. Your balance in Super at the moment is 171,165. Yeah. And I can go back and just double check last year for you if you like just to give you a comparison. Yeah. Oh, my computer's opening. It's thinking about it. There we go. Yes. Yeah. I had a hundred and sixty two thousand one hundred and thirty nine and ninety cents. So it is good. It has definitely been growing, but we just wanted to remove any underperforming investments and keeping your investments realigned with your goals. And then that's also about rebalancing as well to keep you in that risk level, which is really important to do. Okay? All good. Well, look. Thank you. Some of your time, I'm gonna send that to you so that it's sitting in so it sorry. It is sitting in your emails ready to read over. If you find you have any questions, please let me know. We've also got the ongoing service agreement in there because you are on an ongoing service agreement for our services. It's 1.65% per annum, and that just allows us to keep working towards your goals, monitoring and looking after your super, and updating the advice to make sure we're working towards your goals and helping you along there. I wanted to once we kind of once you're happy to take on the changes and we go through this, I wanna do a catch up with you in a few months just to track how things are going and see if we need to reassess things for you. Is there a so then would you prefer six months or twelve months? What would you prefer there, David? Six months. Beautiful. Not a problem at all. Yep. Fantastic. Lovely. Well, I will let you go. Thank you for your time. Don't work too hard, and I hope you have a good day. And let me know if there's any questions. And once you've read it over, if you sign and return it back, we'll be able to go to the implementation and have everything updated for you. No worries. Thank you so much. I hope you have a good day. Thanks. You too. Thanks for your time. See you later. 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David. This is Dana from Oakview Financial. How are you this morning or this afternoon? Sorry. That's I'm very well.\n\nThank you. I had people think to go through your updated statement of advice. We've made some changes to your portfolio to sort of make sure we're working towards your goals. Is now still a good time there for you? If it's not, that's honestly okay.\n\nI'm happy to make another time if it suits you better. That's okay. Beautiful. Olga, we normally send the documents to you via email. Are you able to do that?\n\nIf you're not, I can just run through the recommendations, and then you're welcome to look at it as it later. What's more preferable for you? Yeah. That's yeah. No worries at all.\n\nWell, if you like, I'll run through the recommendations. I'll try to keep them as easy as possible for you, and then I'll make sure the document comes through to your email so you can review it a bit later on there. Okay? Excellent. And before I jump into the call, I do need to let you know I am recording the call for training and quality purposes.\n\nAre you happy for me to proceed with that? Fantastic. And I just need to do a quick security check just to confirm your full name, your date of birth, and address that I should have on file for you. Yeah. Yep.\n\nBeautiful. Thank you so much for that. So, David, with regards to the advice, when you're looking at that, it has been prepared for yourself. Our advice documents are valid the dates from the date on the document. So it is stated for today's date, the 09/03/2026 there.\n\nWe've also got on the bottom there my license number. I'm registered with Aptive as a licensed adviser, and my registration number is 1304394. Okay? So with regards to the advice here, essentially, he sorry. Essentially, we're looking at the superannuation side of things.\n\nSo when we caught up last time, you were in that high growth environment. You were happy to stay in that high growth environment for a bit longer. You have made mention to me that you think you'll be working through to about the age of 70 at the moment if your body allows it, plus the caveat there, and hoping to your income of a thousand dollars a week. Does that still sound appropriate for you? Yep.\n\nBeautiful. I've also factored in a little bit of the estate planning for other things as well. So one of the things that we talked about was the beneficiary. Now you wanted to have your beneficiary updated to your partner when you moved in together, and I believe that something that has now occurred. Is that right?\n\nYes. Well, congratulations. How's it all going living together in a new house? Yeah. Oh, Yeah.\n\nYou said that. Yeah. Fantastic. Congratulations. Look, honestly, the best relationship to build off friendship, so that's fantastic.\n\nI'm so happy for you. You no worries. Essentially, with the advice with the super side of things. So after our call, I went back and I reviewed your super. I looked at Netwealth as well as all the other funds out there to make sure that things are working as hard as possible for you.\n\nMy job as an adviser is to work in the best interest, Judy, which is part of corporations act. So, essentially, we're here to work towards your goals and in in in your best interest. So any advice we do provide does need to be working towards your goals and does need to be proven to be in your best interest. So as part of the advice document, as you are reading through the recommendations a bit later on, you will notice we've got a best interest duty, which outlines why the recommendations are suited in your best interest and how they can help you work towards your goals. Okay?\n\nNow what I've essentially recommended here is that we do retain Netwealth. So I did look at all the other funds out there. Netwealth is still a good fund. There's no real reason to kind of look at the change in the fund. One of the important things I do look at when I'm looking at a portfolio is the capital gains consequences.\n\nSo just like you, your super fund pays income tax and capital gains tax. It does a tax return every year. And, essentially, if we were to look at maneuvering or selling down your entire portfolio and moving you to another fund, your super fund would have been liable for capital gains over $4,586. So I wanted to not do that. I wanted to limit that capital gains consequence on your super so that you could have more money invested for you working harder.\n\nOkay? What I so I'd recommend that you stay within net wealth. It is a good fund. There's nothing wrong with the fund there. But I am recommending we make a bit of a change to your portfolio.\n\nEssentially, one of the things we talked about earlier was that there was an underlying investment, the Bennelong Equity Fund, and that one there has been underperforming. So we have removed that out earlier in the year. And for now, we essentially just wanna kinda rebalance things and make sure the investors are working harder for you. So within your portfolio, we replace that spend along equities with the beta shares a 200. That's actually a much more it's a cheaper fund because it's more passively managed.\n\nThe a 200, essentially also gives you greater diversification. So one of the things that I do like about the swap is that Bennelong only has between 15 to 25 different investment options in there. However, the BetaShares a 200 gives you access to about 200 companies on the Australian market. And as a cheaper investment, it actually works in your favor because there's less money being paid out for investment fees, which is important. So what I essentially looked at doing for you was just altering your portfolio, rebalancing a few things to make sure that you were invested within that high growth environment, but in a way that helps the lower overall risk of your portfolio.\n\nWhen you're looking at the document, you will see the changes. I'll limit how much I throw at you today to make it easier. But, essentially, within the portfolio, once we make the switch of the investment, you'll essentially see your portfolio with about 7% in physical gold, still 25% in Australian equities, 6% in cybersecurity. We still wanna hold 9% in the European market there, 5% in the Japanese market, 35% in the S and P 500 because the American market still is performing well, and we do wanna see that continue. And then we're also adding an inclusion of the Vanguard All World US investment.\n\nThis is giving you access to the entire globe, minus the American market because we hold 35% in the S and P 500. One of the biggest things about the best thing about lowering risk is diversifying across the globe, and this investment helps to do that. And then in that high growth environment, we still wanna hold some low risk defensive investments. So, essentially, we'll still see some core composite funds and things like that in there for you as well. Okay.\n\nExcellent. Beautiful. I won't confuse you too much, but when you see the document, if you find you have questions in relation to those investments, you're welcome to come back and let me know. Okay? Excellent.\n\nThe important thing and the reason I've kind of done the switch for you is that when we look at how your your last investments have performed in a high risk environment there, we essentially have seen them at about 11.17%. So it's a low they've averaged about 11%, which is absolutely fine, but this newer portfolio has essentially provided a greater return. So we wanna make sure that we're in an environment where diversifying to lower risk. We're getting the best possible return that the portfolio can provide. So that's one of the reasons I've done it.\n\nYour older portfolio has returned about 11.17%. The newer portfolio has averaged 11.55%. So a little bit more growth there is always important for you. The other thing that I do like is that it saves an investment fee. So it's averaging about $71 cheaper than your current portfolio.\n\nIt's only a small difference, but when you think about that compounding over the next five to ten years, that can have a greater effect on your portfolio long term there. Okay? And as I as I mentioned before, we do have capital gains consequences. So to make the investments between the portfolio, I've been able to limit the capital gains consequence. Your super fund would only have to cover $543 in capital gains consequences, which is a good low amount for them to cover to make sure your portfolio is working and cheaper for you as well.\n\nDoes that make sense? Do you have any questions? I'm so sorry. It can be a lot when you're not looking at the documents, but is there anything you wanted to ask? Yeah.\n\nThat's okay. That's all good. I'm also recommending that with the beneficiary side of things that you do have the beneficiaries applied. You don't have those at the moment within your fund there. Essentially, we are recommending that you apply them to your partner.\n\nSo now that you are living together, that we do add her to the beneficiary as a binding non lapsing. So in the event that something happens, as per your original wishes, that money can be paid out to her to sort of cover any expenses, cover mortgage payments, and things like that. So my team can help to have those prefilled. But at the moment, with not having any beneficiaries on file, it does leave a a bit of a gap at the risk there. But if anything happens to you, your super has to go through a probate process, and that can have big consequences or be very difficult on your family when they are trying to claim against that.\n\nSo it does mean that your sleep and your life cover may disappear and not be paid to the person that you wanted to be paid to, essentially. Okay. Yeah. Excellent. I've also made a recommendation that you do speak to a solicitor, especially now that you are living together and you do have a will and power of attorney done up.\n\nThat is really important to make sure that everything that you've got is secured, that you have it directed to where you want it to be, and having a power of attorney also set up to make sure that it is covering anything that you wanted to cover. So a power of attorney actually that's the will to cover anything you want to cover, have a pay to where you want it to be, but a power of attorney essentially allows someone to make decisions for you on your behalf in the event that you're not able to make those decisions. Let's say that you're medically incapacitated and someone needs to make medical decisions in line with your wishes for you. So those are also really important documents to have done up, and they are done by a solicitor. So we do most likely to make sure we have that in there and can refer you to a solicitor to have more of an in-depth legal conversation around that for you as well.\n\nOkay? Excellent. And the only other thing I have in here is the insurance side of things. We're not altering those in any way, shape, or form. We're retaining your income protection.\n\nYou are happy to retain that moving forward. They're not making any new recommendations around life, PPD, or trauma cover that was something you weren't interested in looking at. But down the track, if you wanna have more of a compensation or reassess those, you're absolutely welcome to let me know, and we can do that. It's not a problem. I've tried to make it as easy as possible because you'll get to go back and read the documents there.\n\nBut did you have any questions? Is there anything that's come to mind currently or anything you needed me to break down a bit more for you? I'm so sorry. Oh, good. Yeah.\n\nOh, absolutely. Let me just pop in there for you. And as for the advice documents, so this is actually done off as per today's balance, and we it technically runs on the same balance because it's based on yesterday, and the balance today doesn't get updated till this afternoon. So it will work. Your balance in Super at the moment is 171,165.\n\nYeah. And I can go back and just double check last year for you if you like just to give you a comparison. Yeah. Oh, my computer's opening. It's thinking about it.\n\nThere we go. Yes. Yeah. I had a hundred and sixty two thousand one hundred and thirty nine and ninety cents. So it is good.\n\nIt has definitely been growing, but we just wanted to remove any underperforming investments and keeping your investments realigned with your goals. And then that's also about rebalancing as well to keep you in that risk level, which is really important to do. Okay? All good. Well, look.\n\nThank you. Some of your time, I'm gonna send that to you so that it's sitting in so it sorry. It is sitting in your emails ready to read over. If you find you have any questions, please let me know. We've also got the ongoing service agreement in there because you are on an ongoing service agreement for our services.\n\nIt's 1.65% per annum, and that just allows us to keep working towards your goals, monitoring and looking after your super, and updating the advice to make sure we're working towards your goals and helping you along there. I wanted to once we kind of once you're happy to take on the changes and we go through this, I wanna do a catch up with you in a few months just to track how things are going and see if we need to reassess things for you. Is there a so then would you prefer six months or twelve months? What would you prefer there, David? Six months.\n\nBeautiful. Not a problem at all. Yep. Fantastic. Lovely.\n\nWell, I will let you go. Thank you for your time. Don't work too hard, and I hope you have a good day. And let me know if there's any questions. And once you've read it over, if you sign and return it back, we'll be able to go to the implementation and have everything updated for you.\n\nNo worries. Thank you so much. I hope you have a good day. Thanks. You too.\n\nThanks for your time. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, David.","start":3.04,"end":3.76,"sentiment":"neutral","sentiment_score":0.18275897204875946},{"text":"This is Dana from Oakview Financial.","start":3.76,"end":5.46,"sentiment":"neutral","sentiment_score":0.1867632990082105},{"text":"How are you this morning or this afternoon?","start":5.52,"end":7.62,"sentiment":"neutral","sentiment_score":0.18413617089390755},{"text":"Sorry.","start":7.68,"end":8.18,"sentiment":"neutral","sentiment_score":0.2622365951538086},{"text":"That's I'm very well.","start":10.559999,"end":11.84,"sentiment":"positive","sentiment_score":0.6494617909193039}],"sentiment":"neutral","sentiment_score":0.2771081363870984,"num_words":21,"start":3.04,"end":11.84},{"sentences":[{"text":"Thank you.","start":11.84,"end":12.24,"sentiment":"positive","sentiment_score":0.6627266108989716},{"text":"I had people think to go through your updated statement of advice.","start":12.24,"end":15.025001,"sentiment":"neutral","sentiment_score":0.27712499101956684},{"text":"We've made some changes to your portfolio to sort of make sure we're working towards your goals.","start":15.025001,"end":19.505001,"sentiment":"neutral","sentiment_score":0.2297905543271233},{"text":"Is now still a good time there for you?","start":19.505001,"end":21.685001,"sentiment":"neutral","sentiment_score":0.21638951533370548},{"text":"If it's not, that's honestly okay.","start":23.905,"end":25.585,"sentiment":"neutral","sentiment_score":-0.008004026797910532}],"sentiment":"neutral","sentiment_score":0.22732334814803756,"num_words":46,"start":11.84,"end":25.585},{"sentences":[{"text":"I'm happy to make another time if it suits you better.","start":25.585,"end":28.325,"sentiment":"neutral","sentiment_score":0.2106489214030179},{"text":"That's okay.","start":30.97,"end":31.609999,"sentiment":"neutral","sentiment_score":-0.09881785698235035},{"text":"Beautiful.","start":31.609999,"end":32.11,"sentiment":"neutral","sentiment_score":0.2046695053577423},{"text":"Olga, we normally send the documents to you via email.","start":33.449997,"end":36.17,"sentiment":"neutral","sentiment_score":0.0562549889087677},{"text":"Are you able to do that?","start":36.17,"end":38.329998,"sentiment":"neutral","sentiment_score":0.05687337492903074}],"sentiment":"neutral","sentiment_score":0.10759873551627,"num_words":30,"start":25.585,"end":38.329998},{"sentences":[{"text":"If you're not, I can just run through the recommendations, and then you're welcome to look at it as it later.","start":38.329998,"end":42.809998,"sentiment":"neutral","sentiment_score":0.07059462803105514},{"text":"What's more preferable for you?","start":42.809998,"end":47.664997,"sentiment":"neutral","sentiment_score":0.0535119853913784},{"text":"Yeah.","start":47.664997,"end":47.905,"sentiment":"neutral","sentiment_score":0.09733857214450836},{"text":"That's yeah.","start":47.905,"end":51.905,"sentiment":"neutral","sentiment_score":0.11790601536631584},{"text":"No worries at all.","start":51.905,"end":52.864998,"sentiment":"neutral","sentiment_score":0.12428393587470055}],"sentiment":"neutral","sentiment_score":0.07819192309045431,"num_words":33,"start":38.329998,"end":52.864998},{"sentences":[{"text":"Well, if you like, I'll run through the recommendations.","start":52.864998,"end":54.725,"sentiment":"neutral","sentiment_score":0.13300544437434939},{"text":"I'll try to keep them as easy as possible for you, and then I'll make sure the document comes through to your email so you can review it a bit later on there.","start":54.945,"end":63.03,"sentiment":"neutral","sentiment_score":0.14387803727930243},{"text":"Okay?","start":63.03,"end":63.53,"sentiment":"neutral","sentiment_score":0.07877275347709656},{"text":"Excellent.","start":64.87,"end":65.37,"sentiment":"positive","sentiment_score":0.361461877822876},{"text":"And before I jump into the call, I do need to let you know I am recording the call for training and quality purposes.","start":65.75,"end":70.39,"sentiment":"neutral","sentiment_score":0.14810959280778965}],"sentiment":"neutral","sentiment_score":0.1461748395334272,"num_words":68,"start":52.864998,"end":70.39},{"sentences":[{"text":"Are you happy for me to proceed with that?","start":70.39,"end":72.435,"sentiment":"neutral","sentiment_score":0.15695000025961134},{"text":"Fantastic.","start":74.354996,"end":74.854996,"sentiment":"positive","sentiment_score":0.4585232734680176},{"text":"And I just need to do a quick security check just to confirm your full name, your date of birth, and address that I should have on file for you.","start":74.915,"end":80.774994,"sentiment":"neutral","sentiment_score":0.18679381906986237},{"text":"Yeah.","start":83.075,"end":83.575,"sentiment":"neutral","sentiment_score":0.040794894099235535},{"text":"Yep.","start":84.835,"end":85.2,"sentiment":"neutral","sentiment_score":0.053993117064237595}],"sentiment":"neutral","sentiment_score":0.18023037759675867,"num_words":42,"start":70.39,"end":85.2},{"sentences":[{"text":"Beautiful.","start":90.479996,"end":90.96,"sentiment":"positive","sentiment_score":0.4567336440086365},{"text":"Thank you so much for that.","start":90.96,"end":92.5,"sentiment":"positive","sentiment_score":0.5398098677396774},{"text":"So, David, with regards to the advice, when you're looking at that, it has been prepared for yourself.","start":92.64,"end":96.71999,"sentiment":"neutral","sentiment_score":0.03384150502582391},{"text":"Our advice documents are valid the dates from the date on the document.","start":96.71999,"end":100.275,"sentiment":"neutral","sentiment_score":0.041428354783700064},{"text":"So it is stated for today's date, the 09/03/2026 there.","start":100.335,"end":104.515,"sentiment":"neutral","sentiment_score":0.03752102740108967}],"sentiment":"neutral","sentiment_score":0.10871914223146935,"num_words":48,"start":90.479996,"end":104.515},{"sentences":[{"text":"We've also got on the bottom there my license number.","start":104.895004,"end":107.375,"sentiment":"neutral","sentiment_score":0.03771712575107813},{"text":"I'm registered with Aptive as a licensed adviser, and my registration number is 1304394.","start":107.375,"end":113.395004,"sentiment":"neutral","sentiment_score":0.033980140196425576},{"text":"Okay?","start":114.090004,"end":114.590004,"sentiment":"neutral","sentiment_score":0.022140726447105408},{"text":"So with regards to the advice here, essentially, he sorry.","start":116.25,"end":121.05,"sentiment":"neutral","sentiment_score":0.019158894754946233},{"text":"Essentially, we're looking at the superannuation side of things.","start":121.05,"end":123.37,"sentiment":"neutral","sentiment_score":0.027284800281955138}],"sentiment":"neutral","sentiment_score":0.029822411290793258,"num_words":44,"start":104.895004,"end":123.37},{"sentences":[{"text":"So when we caught up last time, you were in that high growth environment.","start":123.37,"end":126.35,"sentiment":"neutral","sentiment_score":0.03370672357933862},{"text":"You were happy to stay in that high growth environment for a bit longer.","start":126.49,"end":129.47,"sentiment":"neutral","sentiment_score":0.13137877519641603},{"text":"You have made mention to me that you think you'll be working through to about the age of 70 at the moment if your body allows it, plus the caveat there, and hoping to your income of a thousand dollars a week.","start":129.74501,"end":140.625,"sentiment":"neutral","sentiment_score":0.016589437899667592},{"text":"Does that still sound appropriate for you?","start":140.625,"end":142.88501,"sentiment":"neutral","sentiment_score":0.03613663890532085},{"text":"Yep.","start":145.18999,"end":145.68999,"sentiment":"neutral","sentiment_score":0.27394264936447144}],"sentiment":"neutral","sentiment_score":0.045318621748055406,"num_words":78,"start":123.37,"end":145.68999},{"sentences":[{"text":"Beautiful.","start":146.15,"end":146.65,"sentiment":"positive","sentiment_score":0.5522634983062744},{"text":"I've also factored in a little bit of the estate planning for other things as well.","start":147.34999,"end":150.79,"sentiment":"neutral","sentiment_score":0.1750368671491742},{"text":"So one of the things that we talked about was the beneficiary.","start":150.79,"end":153.45,"sentiment":"neutral","sentiment_score":0.08014673305054505},{"text":"Now you wanted to have your beneficiary updated to your partner when you moved in together, and I believe that something that has now occurred.","start":153.51,"end":160.035,"sentiment":"neutral","sentiment_score":0.07597985044121743},{"text":"Is that right?","start":160.035,"end":160.855,"sentiment":"neutral","sentiment_score":0.07493273168802261}],"sentiment":"neutral","sentiment_score":0.11296330921744045,"num_words":57,"start":146.15,"end":160.855},{"sentences":[{"text":"Yes.","start":162.91501,"end":163.41501,"sentiment":"neutral","sentiment_score":0.10727167129516602},{"text":"Well, congratulations.","start":163.475,"end":164.375,"sentiment":"positive","sentiment_score":0.3521786481142044},{"text":"How's it all going living together in a new house?","start":164.835,"end":167.495,"sentiment":"neutral","sentiment_score":0.17021738663315772},{"text":"Yeah.","start":169.955,"end":170.455,"sentiment":"neutral","sentiment_score":0.05572350695729256},{"text":"Oh, Yeah.","start":170.675,"end":175.44,"sentiment":"neutral","sentiment_score":0.04378289543092251}],"sentiment":"neutral","sentiment_score":0.1660682582296431,"num_words":16,"start":162.91501,"end":175.44},{"sentences":[{"text":"You said that.","start":175.44,"end":176.5,"sentiment":"neutral","sentiment_score":0.048121570299069084},{"text":"Yeah.","start":176.72,"end":177.22,"sentiment":"neutral","sentiment_score":0.12197837233543396},{"text":"Fantastic.","start":177.52,"end":178.02,"sentiment":"positive","sentiment_score":0.6358376741409302},{"text":"Congratulations.","start":179.12001,"end":179.62001,"sentiment":"positive","sentiment_score":0.5670075416564941},{"text":"Look, honestly, the best relationship to build off friendship, so that's fantastic.","start":180.16,"end":184.5,"sentiment":"positive","sentiment_score":0.4756585533420245}],"sentiment":"positive","sentiment_score":0.3987272743963533,"num_words":18,"start":175.44,"end":184.5},{"sentences":[{"text":"I'm so happy for you.","start":184.72,"end":186.18001,"sentiment":"positive","sentiment_score":0.5441726565361023},{"text":"You no worries.","start":187.685,"end":189.145,"sentiment":"neutral","sentiment_score":0.12497231115897496},{"text":"Essentially, with the advice with the super side of things.","start":190.245,"end":192.725,"sentiment":"neutral","sentiment_score":0.15215729922056198},{"text":"So after our call, I went back and I reviewed your super.","start":192.725,"end":195.625,"sentiment":"neutral","sentiment_score":0.10442590589324634},{"text":"I looked at Netwealth as well as all the other funds out there to make sure that things are working as hard as possible for you.","start":195.685,"end":201.21,"sentiment":"neutral","sentiment_score":-0.024087365788335983}],"sentiment":"neutral","sentiment_score":0.09364629586759422,"num_words":56,"start":184.72,"end":201.21},{"sentences":[{"text":"My job as an adviser is to work in the best interest, Judy, which is part of corporations act.","start":201.53001,"end":206.09001,"sentiment":"neutral","sentiment_score":0.2106477406464125},{"text":"So, essentially, we're here to work towards your goals and in in in your best interest.","start":206.09001,"end":211.05,"sentiment":"positive","sentiment_score":0.3801879771053791},{"text":"So any advice we do provide does need to be working towards your goals and does need to be proven to be in your best interest.","start":211.05,"end":216.815,"sentiment":"neutral","sentiment_score":0.24703033325763848},{"text":"So as part of the advice document, as you are reading through the recommendations a bit later on, you will notice we've got a best interest duty, which outlines why the recommendations are suited in your best interest and how they can help you work towards your goals.","start":216.815,"end":229.635,"sentiment":"neutral","sentiment_score":0.2723831959689657},{"text":"Okay?","start":229.69499,"end":230.19499,"sentiment":"neutral","sentiment_score":0.12113332748413086}],"sentiment":"neutral","sentiment_score":0.27003300095146354,"num_words":110,"start":201.53001,"end":230.19499},{"sentences":[{"text":"Now what I've essentially recommended here is that we do retain Netwealth.","start":231.89,"end":235.33,"sentiment":"neutral","sentiment_score":0.11778789758682251},{"text":"So I did look at all the other funds out there.","start":235.33,"end":237.41,"sentiment":"neutral","sentiment_score":0.20374311913143506},{"text":"Netwealth is still a good fund.","start":237.41,"end":239.41,"sentiment":"positive","sentiment_score":0.42889442046483356},{"text":"There's no real reason to kind of look at the change in the fund.","start":239.41,"end":242.39,"sentiment":"neutral","sentiment_score":-0.0469431821256876},{"text":"One of the important things I do look at when I'm looking at a portfolio is the capital gains consequences.","start":242.53,"end":247.985,"sentiment":"neutral","sentiment_score":-0.1017291909083724}],"sentiment":"neutral","sentiment_score":0.05613027359285052,"num_words":63,"start":231.89,"end":247.985},{"sentences":[{"text":"So just like you, your super fund pays income tax and capital gains tax.","start":248.205,"end":252.765,"sentiment":"neutral","sentiment_score":-0.1324033678642341},{"text":"It does a tax return every year.","start":252.765,"end":254.705,"sentiment":"neutral","sentiment_score":-0.14492295469556535},{"text":"And, essentially, if we were to look at maneuvering or selling down your entire portfolio and moving you to another fund, your super fund would have been liable for capital gains over $4,586.","start":255.165,"end":267.98,"sentiment":"neutral","sentiment_score":-0.31229225478389044},{"text":"So I wanted to not do that.","start":267.98,"end":269.5,"sentiment":"negative","sentiment_score":-0.3489417774336679},{"text":"I wanted to limit that capital gains consequence on your super so that you could have more money invested for you working harder.","start":269.5,"end":276.74503,"sentiment":"neutral","sentiment_score":-0.09330921004647794}],"sentiment":"neutral","sentiment_score":-0.21145781564215818,"num_words":84,"start":248.205,"end":276.74503},{"sentences":[{"text":"Okay?","start":276.885,"end":277.385,"sentiment":"neutral","sentiment_score":0.003818463534116745},{"text":"What I so I'd recommend that you stay within net wealth.","start":278.96503,"end":281.52502,"sentiment":"neutral","sentiment_score":0.07477630607106468},{"text":"It is a good fund.","start":281.52502,"end":282.325,"sentiment":"positive","sentiment_score":0.44492154121398925},{"text":"There's nothing wrong with the fund there.","start":282.325,"end":284.105,"sentiment":"neutral","sentiment_score":0.0863422943013055},{"text":"But I am recommending we make a bit of a change to your portfolio.","start":284.24503,"end":287.225,"sentiment":"neutral","sentiment_score":0.016039171921355382}],"sentiment":"neutral","sentiment_score":0.10210289482615496,"num_words":38,"start":276.885,"end":287.225},{"sentences":[{"text":"Essentially, one of the things we talked about earlier was that there was an underlying investment, the Bennelong Equity Fund, and that one there has been underperforming.","start":288.32,"end":295.94,"sentiment":"neutral","sentiment_score":-0.2234944483196294},{"text":"So we have removed that out earlier in the year.","start":296.32,"end":298.98,"sentiment":"neutral","sentiment_score":-0.25404279828071596},{"text":"And for now, we essentially just wanna kinda rebalance things and make sure the investors are working harder for you.","start":299.28,"end":305.215,"sentiment":"neutral","sentiment_score":0.015990022383630276},{"text":"So within your portfolio, we replace that spend along equities with the beta shares a 200.","start":305.67502,"end":311.135,"sentiment":"neutral","sentiment_score":0.10405996418558061},{"text":"That's actually a much more it's a cheaper fund because it's more passively managed.","start":311.755,"end":316.17502,"sentiment":"positive","sentiment_score":0.5039458019392831}],"sentiment":"neutral","sentiment_score":0.005347390969594319,"num_words":87,"start":288.32,"end":316.17502},{"sentences":[{"text":"The a 200, essentially also gives you greater diversification.","start":316.97,"end":320.51,"sentiment":"positive","sentiment_score":0.5590031643708547},{"text":"So one of the things that I do like about the swap is that Bennelong only has between 15 to 25 different investment options in there.","start":320.81,"end":328.59,"sentiment":"positive","sentiment_score":0.3833636948122428},{"text":"However, the BetaShares a 200 gives you access to about 200 companies on the Australian market.","start":328.97,"end":334.725,"sentiment":"positive","sentiment_score":0.4498534668236971},{"text":"And as a cheaper investment, it actually works in your favor because there's less money being paid out for investment fees, which is important.","start":334.86502,"end":341.845,"sentiment":"positive","sentiment_score":0.5466274780531725},{"text":"So what I essentially looked at doing for you was just altering your portfolio, rebalancing a few things to make sure that you were invested within that high growth environment, but in a way that helps the lower overall risk of your portfolio.","start":343.745,"end":355.57,"sentiment":"neutral","sentiment_score":0.2453291533991348}],"sentiment":"positive","sentiment_score":0.38868095833113636,"num_words":118,"start":316.97,"end":355.57},{"sentences":[{"text":"When you're looking at the document, you will see the changes.","start":356.19,"end":358.59,"sentiment":"neutral","sentiment_score":0.11682402410290459},{"text":"I'll limit how much I throw at you today to make it easier.","start":358.59,"end":361.72998,"sentiment":"neutral","sentiment_score":0.13199616338198},{"text":"But, essentially, within the portfolio, once we make the switch of the investment, you'll essentially see your portfolio with about 7% in physical gold, still 25% in Australian equities, 6% in cybersecurity.","start":362.365,"end":376.27,"sentiment":"neutral","sentiment_score":0.2679601782001555},{"text":"We still wanna hold 9% in the European market there, 5% in the Japanese market, 35% in the S and P 500 because the American market still is performing well, and we do wanna see that continue.","start":376.65,"end":388.66998,"sentiment":"positive","sentiment_score":0.4215924345158242},{"text":"And then we're also adding an inclusion of the Vanguard All World US investment.","start":389.74503,"end":394.325,"sentiment":"positive","sentiment_score":0.34082109161785673}],"sentiment":"neutral","sentiment_score":0.2985622004788613,"num_words":107,"start":356.19,"end":394.325},{"sentences":[{"text":"This is giving you access to the entire globe, minus the American market because we hold 35% in the S and P 500.","start":394.46503,"end":402.24503,"sentiment":"neutral","sentiment_score":0.3190867252971815},{"text":"One of the biggest things about the best thing about lowering risk is diversifying across the globe, and this investment helps to do that.","start":402.545,"end":410.03,"sentiment":"positive","sentiment_score":0.48419412535925704},{"text":"And then in that high growth environment, we still wanna hold some low risk defensive investments.","start":410.57,"end":415.23,"sentiment":"neutral","sentiment_score":0.3263079293537885},{"text":"So, essentially, we'll still see some core composite funds and things like that in there for you as well.","start":415.29,"end":420.845,"sentiment":"neutral","sentiment_score":0.06395917444636948},{"text":"Okay.","start":420.845,"end":421.345,"sentiment":"neutral","sentiment_score":0.10377945750951768}],"sentiment":"neutral","sentiment_score":0.307223907615765,"num_words":83,"start":394.46503,"end":421.345},{"sentences":[{"text":"Excellent.","start":422.525,"end":423.025,"sentiment":"positive","sentiment_score":0.6947554349899292},{"text":"Beautiful.","start":423.245,"end":423.745,"sentiment":"positive","sentiment_score":0.7465226650238037},{"text":"I won't confuse you too much, but when you see the document, if you find you have questions in relation to those investments, you're welcome to come back and let me know.","start":424.845,"end":435.15332,"sentiment":"neutral","sentiment_score":0.3147339029237628},{"text":"Okay?","start":435.15332,"end":435.34,"sentiment":"neutral","sentiment_score":0.1594097763299942},{"text":"Excellent.","start":435.34,"end":435.84,"sentiment":"positive","sentiment_score":0.5518781542778015}],"sentiment":"positive","sentiment_score":0.3395569701161649,"num_words":36,"start":422.525,"end":435.84},{"sentences":[{"text":"The important thing and the reason I've kind of done the switch for you is that when we look at how your your last investments have performed in a high risk environment there, we essentially have seen them at about 11.17%.","start":436.46,"end":448.965,"sentiment":"neutral","sentiment_score":0.28507210804921823},{"text":"So it's a low they've averaged about 11%, which is absolutely fine, but this newer portfolio has essentially provided a greater return.","start":448.965,"end":457.765,"sentiment":"positive","sentiment_score":0.41693147068673914},{"text":"So we wanna make sure that we're in an environment where diversifying to lower risk.","start":457.765,"end":462.21,"sentiment":"positive","sentiment_score":0.3930424988269806},{"text":"We're getting the best possible return that the portfolio can provide.","start":462.21,"end":465.75,"sentiment":"positive","sentiment_score":0.5452892319722609},{"text":"So that's one of the reasons I've done it.","start":465.81,"end":468.15,"sentiment":"neutral","sentiment_score":0.3121222323841519}],"sentiment":"positive","sentiment_score":0.36289150929268527,"num_words":98,"start":436.46,"end":468.15},{"sentences":[{"text":"Your older portfolio has returned about 11.17%.","start":468.29,"end":472.15,"sentiment":"neutral","sentiment_score":0.26384088822773527},{"text":"The newer portfolio has averaged 11.55%.","start":472.37,"end":475.555,"sentiment":"neutral","sentiment_score":0.275014229118824},{"text":"So a little bit more growth there is always important for you.","start":475.555,"end":478.935,"sentiment":"neutral","sentiment_score":0.3292047381401062},{"text":"The other thing that I do like is that it saves an investment fee.","start":479.155,"end":482.51498,"sentiment":"positive","sentiment_score":0.34551526393209187},{"text":"So it's averaging about $71 cheaper than your current portfolio.","start":482.51498,"end":486.29498,"sentiment":"positive","sentiment_score":0.33711980283260345}],"sentiment":"neutral","sentiment_score":0.3195069423135446,"num_words":49,"start":468.29,"end":486.29498},{"sentences":[{"text":"It's only a small difference, but when you think about that compounding over the next five to ten years, that can have a greater effect on your portfolio long term there.","start":486.8,"end":494.96,"sentiment":"positive","sentiment_score":0.33513042378810143},{"text":"Okay?","start":494.96,"end":495.46,"sentiment":"neutral","sentiment_score":0.12135039269924164},{"text":"And as I as I mentioned before, we do have capital gains consequences.","start":497.36,"end":501.155,"sentiment":"neutral","sentiment_score":0.07686081815224427},{"text":"So to make the investments between the portfolio, I've been able to limit the capital gains consequence.","start":501.455,"end":506.915,"sentiment":"neutral","sentiment_score":0.14547419854823282},{"text":"Your super fund would only have to cover $543 in capital gains consequences, which is a good low amount for them to cover to make sure your portfolio is working and cheaper for you as well.","start":506.975,"end":519.19,"sentiment":"neutral","sentiment_score":0.2755678105685446}],"sentiment":"neutral","sentiment_score":0.24390904818262374,"num_words":98,"start":486.8,"end":519.19},{"sentences":[{"text":"Does that make sense?","start":519.65,"end":520.85004,"sentiment":"neutral","sentiment_score":0.0743000702932477},{"text":"Do you have any questions?","start":520.85004,"end":522.05,"sentiment":"neutral","sentiment_score":0.03707445077598095},{"text":"I'm so sorry.","start":522.05,"end":522.77,"sentiment":"neutral","sentiment_score":-0.06734294941027959},{"text":"It can be a lot when you're not looking at the documents, but is there anything you wanted to ask?","start":522.77,"end":526.95,"sentiment":"neutral","sentiment_score":-0.055643988959491256},{"text":"Yeah.","start":530.36505,"end":530.685,"sentiment":"positive","sentiment_score":0.3633772730827331}],"sentiment":"neutral","sentiment_score":-0.014210873311667732,"num_words":33,"start":519.65,"end":530.685},{"sentences":[{"text":"That's okay.","start":530.685,"end":531.48505,"sentiment":"positive","sentiment_score":0.43192072212696075},{"text":"That's all good.","start":531.48505,"end":532.54504,"sentiment":"positive","sentiment_score":0.6531220078468323},{"text":"I'm also recommending that with the beneficiary side of things that you do have the beneficiaries applied.","start":532.60504,"end":537.80505,"sentiment":"neutral","sentiment_score":0.23169485260458553},{"text":"You don't have those at the moment within your fund there.","start":537.80505,"end":540.945,"sentiment":"neutral","sentiment_score":0.06904784217476845},{"text":"Essentially, we are recommending that you apply them to your partner.","start":541.95,"end":545.31,"sentiment":"neutral","sentiment_score":0.20063826577229935}],"sentiment":"neutral","sentiment_score":0.22110379885204814,"num_words":44,"start":530.685,"end":545.31},{"sentences":[{"text":"So now that you are living together, that we do add her to the beneficiary as a binding non lapsing.","start":545.31,"end":550.43,"sentiment":"neutral","sentiment_score":0.2082266665995121},{"text":"So in the event that something happens, as per your original wishes, that money can be paid out to her to sort of cover any expenses, cover mortgage payments, and things like that.","start":550.43,"end":560.065,"sentiment":"neutral","sentiment_score":0.1904000359954256},{"text":"So my team can help to have those prefilled.","start":560.065,"end":562.565,"sentiment":"neutral","sentiment_score":0.2738370961613125},{"text":"But at the moment, with not having any beneficiaries on file, it does leave a a bit of a gap at the risk there.","start":562.78503,"end":569.19995,"sentiment":"neutral","sentiment_score":-0.2071929139395555},{"text":"But if anything happens to you, your super has to go through a probate process, and that can have big consequences or be very difficult on your family when they are trying to claim against that.","start":569.19995,"end":580.31995,"sentiment":"neutral","sentiment_score":-0.20429463581078583}],"sentiment":"neutral","sentiment_score":0.004795340668471133,"num_words":122,"start":545.31,"end":580.31995},{"sentences":[{"text":"So it does mean that your sleep and your life cover may disappear and not be paid to the person that you wanted to be paid to, essentially.","start":580.31995,"end":586.865,"sentiment":"neutral","sentiment_score":-0.15515105100348592},{"text":"Okay.","start":587.325,"end":587.825,"sentiment":"neutral","sentiment_score":0.022684747353196144},{"text":"Yeah.","start":589.645,"end":590.145,"sentiment":"neutral","sentiment_score":0.28035610914230347},{"text":"Excellent.","start":590.445,"end":590.925,"sentiment":"positive","sentiment_score":0.580788254737854},{"text":"I've also made a recommendation that you do speak to a solicitor, especially now that you are living together and you do have a will and power of attorney done up.","start":590.925,"end":597.9,"sentiment":"neutral","sentiment_score":0.2067840704994817}],"sentiment":"neutral","sentiment_score":0.04757912691322065,"num_words":62,"start":580.31995,"end":597.9},{"sentences":[{"text":"That is really important to make sure that everything that you've got is secured, that you have it directed to where you want it to be, and having a power of attorney also set up to make sure that it is covering anything that you wanted to cover.","start":597.9,"end":610.625,"sentiment":"neutral","sentiment_score":0.18428639291475216},{"text":"So a power of attorney actually that's the will to cover anything you want to cover, have a pay to where you want it to be, but a power of attorney essentially allows someone to make decisions for you on your behalf in the event that you're not able to make those decisions.","start":610.84503,"end":623.55,"sentiment":"neutral","sentiment_score":0.11477381384597635},{"text":"Let's say that you're medically incapacitated and someone needs to make medical decisions in line with your wishes for you.","start":623.55,"end":630.11,"sentiment":"neutral","sentiment_score":0.04725900324992836},{"text":"So those are also really important documents to have done up, and they are done by a solicitor.","start":630.11,"end":634.77,"sentiment":"neutral","sentiment_score":0.015893724126120407},{"text":"So we do most likely to make sure we have that in there and can refer you to a solicitor to have more of an in-depth legal conversation around that for you as well.","start":634.99,"end":643.155,"sentiment":"neutral","sentiment_score":0.07689393147387925}],"sentiment":"neutral","sentiment_score":0.10852265759032069,"num_words":173,"start":597.9,"end":643.155},{"sentences":[{"text":"Okay?","start":643.155,"end":643.655,"sentiment":"neutral","sentiment_score":0.062527135014534},{"text":"Excellent.","start":645.55505,"end":646.05505,"sentiment":"positive","sentiment_score":0.7378197908401489},{"text":"And the only other thing I have in here is the insurance side of things.","start":646.275,"end":648.91504,"sentiment":"neutral","sentiment_score":0.19081105689207714},{"text":"We're not altering those in any way, shape, or form.","start":648.91504,"end":651.13,"sentiment":"neutral","sentiment_score":0.056735864654183385},{"text":"We're retaining your income protection.","start":651.13,"end":652.73,"sentiment":"neutral","sentiment_score":0.22995944321155548}],"sentiment":"neutral","sentiment_score":0.16811464505735785,"num_words":32,"start":643.155,"end":652.73},{"sentences":[{"text":"You are happy to retain that moving forward.","start":652.73,"end":655.14996,"sentiment":"positive","sentiment_score":0.41287605836987495},{"text":"They're not making any new recommendations around life, PPD, or trauma cover that was something you weren't interested in looking at.","start":656.08997,"end":661.61,"sentiment":"neutral","sentiment_score":-0.07641752844765073},{"text":"But down the track, if you wanna have more of a compensation or reassess those, you're absolutely welcome to let me know, and we can do that.","start":661.61,"end":667.51495,"sentiment":"neutral","sentiment_score":0.30150648454825085},{"text":"It's not a problem.","start":667.51495,"end":668.57495,"sentiment":"neutral","sentiment_score":0.30016307905316353},{"text":"I've tried to make it as easy as possible because you'll get to go back and read the documents there.","start":669.27496,"end":673.83496,"sentiment":"neutral","sentiment_score":0.2854459762573242}],"sentiment":"neutral","sentiment_score":0.20935609117150306,"num_words":80,"start":652.73,"end":673.83496},{"sentences":[{"text":"But did you have any questions?","start":673.83496,"end":675.27496,"sentiment":"neutral","sentiment_score":0.10747995227575302},{"text":"Is there anything that's come to mind currently or anything you needed me to break down a bit more for you?","start":675.27496,"end":679.87006,"sentiment":"neutral","sentiment_score":0.08436469219270207},{"text":"I'm so sorry.","start":679.87006,"end":680.77,"sentiment":"neutral","sentiment_score":-0.03611383214592934},{"text":"Oh, good.","start":684.19,"end":685.89,"sentiment":"neutral","sentiment_score":0.02040199562907219},{"text":"Yeah.","start":688.83,"end":689.31006,"sentiment":"neutral","sentiment_score":0.08511258661746979}],"sentiment":"neutral","sentiment_score":0.07376101003451781,"num_words":33,"start":673.83496,"end":689.31006},{"sentences":[{"text":"Oh, absolutely.","start":689.31006,"end":690.13,"sentiment":"neutral","sentiment_score":0.16148997843265533},{"text":"Let me just pop in there for you.","start":690.67004,"end":692.19,"sentiment":"neutral","sentiment_score":0.15280229784548283},{"text":"And as for the advice documents, so this is actually done off as per today's balance, and we it technically runs on the same balance because it's based on yesterday, and the balance today doesn't get updated till this afternoon.","start":692.19,"end":704.84503,"sentiment":"neutral","sentiment_score":0.09860767247155308},{"text":"So it will work.","start":704.84503,"end":705.645,"sentiment":"neutral","sentiment_score":0.1781226433813572},{"text":"Your balance in Super at the moment is 171,165.","start":705.645,"end":710.71,"sentiment":"neutral","sentiment_score":0.09332887000507778}],"sentiment":"neutral","sentiment_score":0.11178024828670517,"num_words":63,"start":689.31006,"end":710.71},{"sentences":[{"text":"Yeah.","start":713.49,"end":713.97003,"sentiment":"neutral","sentiment_score":0.17915096879005432},{"text":"And I can go back and just double check last year for you if you like just to give you a comparison.","start":713.97003,"end":718.47003,"sentiment":"neutral","sentiment_score":0.17526033317500894},{"text":"Yeah.","start":722.45,"end":722.95,"sentiment":"neutral","sentiment_score":-0.008913552388548851},{"text":"Oh, my computer's opening.","start":725.475,"end":726.515,"sentiment":"neutral","sentiment_score":0.008982939179986715},{"text":"It's thinking about it.","start":726.515,"end":727.395,"sentiment":"neutral","sentiment_score":0.029609046410769224}],"sentiment":"neutral","sentiment_score":0.1306353965192102,"num_words":32,"start":713.49,"end":727.395},{"sentences":[{"text":"There we go.","start":727.395,"end":728.115,"sentiment":"neutral","sentiment_score":0.05780054380496343},{"text":"Yes.","start":728.115,"end":728.435,"sentiment":"neutral","sentiment_score":0.03490034490823746},{"text":"Yeah.","start":728.435,"end":728.555,"sentiment":"neutral","sentiment_score":0.19321954250335693},{"text":"I had a hundred and sixty two thousand one hundred and thirty nine and ninety cents.","start":728.555,"end":732.275,"sentiment":"neutral","sentiment_score":0.2260176669806242},{"text":"So it is good.","start":732.275,"end":732.915,"sentiment":"positive","sentiment_score":0.6876315623521805}],"sentiment":"neutral","sentiment_score":0.27073321759700775,"num_words":25,"start":727.395,"end":732.915},{"sentences":[{"text":"It has definitely been growing, but we just wanted to remove any underperforming investments and keeping your investments realigned with your goals.","start":732.915,"end":740.47,"sentiment":"neutral","sentiment_score":0.19732733951373535},{"text":"And then that's also about rebalancing as well to keep you in that risk level, which is really important to do.","start":740.69,"end":745.88995,"sentiment":"neutral","sentiment_score":0.10079234732048852},{"text":"Okay?","start":745.88995,"end":746.38995,"sentiment":"neutral","sentiment_score":0.06551266461610794},{"text":"All good.","start":749.01,"end":749.49,"sentiment":"neutral","sentiment_score":0.3103072941303253},{"text":"Well, look.","start":749.49,"end":749.88995,"sentiment":"neutral","sentiment_score":0.25002577155828476}],"sentiment":"neutral","sentiment_score":0.15925040747970343,"num_words":48,"start":732.915,"end":749.88995},{"sentences":[{"text":"Thank you.","start":749.88995,"end":750.29,"sentiment":"positive","sentiment_score":0.45110829174518585},{"text":"Some of your time, I'm gonna send that to you so that it's sitting in so it sorry.","start":750.29,"end":754.15497,"sentiment":"neutral","sentiment_score":0.06482517884837256},{"text":"It is sitting in your emails ready to read over.","start":754.15497,"end":757.675,"sentiment":"neutral","sentiment_score":0.03976342864334583},{"text":"If you find you have any questions, please let me know.","start":757.675,"end":760.495,"sentiment":"neutral","sentiment_score":0.07201382179151881},{"text":"We've also got the ongoing service agreement in there because you are on an ongoing service agreement for our services.","start":760.795,"end":765.915,"sentiment":"neutral","sentiment_score":0.12445617131888867}],"sentiment":"neutral","sentiment_score":0.09422917303736092,"num_words":61,"start":749.88995,"end":765.915},{"sentences":[{"text":"It's 1.65% per annum, and that just allows us to keep working towards your goals, monitoring and looking after your super, and updating the advice to make sure we're working towards your goals and helping you along there.","start":765.915,"end":777.68,"sentiment":"neutral","sentiment_score":0.246256128737801},{"text":"I wanted to once we kind of once you're happy to take on the changes and we go through this, I wanna do a catch up with you in a few months just to track how things are going and see if we need to reassess things for you.","start":778.14,"end":788.505,"sentiment":"neutral","sentiment_score":0.11786070230359934},{"text":"Is there a so then would you prefer six months or twelve months?","start":789.205,"end":793.285,"sentiment":"neutral","sentiment_score":0.002917159993488055},{"text":"What would you prefer there, David?","start":793.285,"end":794.90497,"sentiment":"neutral","sentiment_score":0.003187477122992277},{"text":"Six months.","start":797.82996,"end":798.38995,"sentiment":"neutral","sentiment_score":0.0083790416829288}],"sentiment":"neutral","sentiment_score":0.14080290121233296,"num_words":108,"start":765.915,"end":798.38995},{"sentences":[{"text":"Beautiful.","start":798.38995,"end":798.88995,"sentiment":"neutral","sentiment_score":0.18434545397758484},{"text":"Not a problem at 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David speaking. I'm good. Thanks. So Yep. No. It's not good at the moment. Okay. I'll take a look at it later. It's just I'm still at work at the moment, so I'm in point doing bits and pieces, but it's all good. Yep. Yep. Sure. Yep. Yep. Sure. Yep. That's okay. David Owen Servit. Eight eight six three nineteen '74. And my address is 78 The Pledge, Cable Beach, Broom, Western Australia. No worries. Yeah. Yeah. Yep. Yep. That's all good. Yes. Yes. Yes. Good. We're we're actually we've we've been we actually we've actually known each other for, like, twenty eight years. So it just sort of yeah. It's alright. So yeah. Cheers. Yes. Thank you. Cheers. Yep. Yep. Yep. Mhmm. Yep. Yep. Okay. Yep. Yep. Okay. Yep. Okay. Yep. Yep. Sure. No worries. Yep. Okay. Yep. No worries. Yep. Yeah. No. Just so good at the moment. Yep. Yep. Yeah. Yeah. Yeah. No worries. Yep. No worries. Yep. Sure. Yep. Yep. Sure. No worries. No. That's okay. No. That's alright. I just just wanted to get a a rough balance on my account as well if that's possible. Okay. Okay. Cool. No problem. Yeah. I think it was a bit lower. Yep. Yep. No worries. Yep. Yep. Okay. Probably got six. Yeah. Six months. Yep. No worries. Will this? Yep. No worries. Thank you very much. No worries. Have a good day too. Alright. No worries. Cheers. No worries. Bye. 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David speaking. I'm good. Thanks. So Yep.\n\nNo. It's not good at the moment. Okay. I'll take a look at it later. It's just I'm still at work at the moment, so I'm in point doing bits and pieces, but it's all good.\n\nYep. Yep. Sure. Yep. Yep.\n\nSure. Yep. That's okay. David Owen Servit. Eight eight six three nineteen '74.\n\nAnd my address is 78 The Pledge, Cable Beach, Broom, Western Australia. No worries. Yeah. Yeah. Yep.\n\nYep. That's all good. Yes. Yes. Yes.\n\nGood. We're we're actually we've we've been we actually we've actually known each other for, like, twenty eight years. So it just sort of yeah. It's alright. So yeah.\n\nCheers. Yes. Thank you. Cheers. Yep.\n\nYep. Yep. Mhmm. Yep. Yep.\n\nOkay. Yep. Yep. Okay. Yep.\n\nOkay. Yep. Yep. Sure. No worries.\n\nYep. Okay. Yep. No worries. Yep.\n\nYeah. No. Just so good at the moment. Yep. Yep.\n\nYeah. Yeah. Yeah. No worries. Yep.\n\nNo worries. Yep. Sure. Yep. Yep.\n\nSure. No worries. No. That's okay. No.\n\nThat's alright. 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David speaking.\n\nChannel 0: Hi, David. This is Dana from Oakview Financial. How are you this morning or this afternoon? Sorry.\n\nChannel 1: I'm good. Thanks. So\n\nChannel 0: That's I'm very well. Thank you. I had people think to go through your updated statement of advice. We've made some changes to your portfolio to sort of make sure we're working towards your goals. Is now still a good time there for you?\n\nChannel 1: Yep.\n\nChannel 0: If it's not, that's honestly okay. I'm happy to make another time if it suits you better.\n\nChannel 1: No. It's not good at the moment.\n\nChannel 0: That's okay. Beautiful.\n\nChannel 1: Okay.\n\nChannel 0: Olga, we normally send the documents to you via email. Are you able to do that? If you're not, I can just run through the recommendations, and then you're welcome to look at it as it later. What's more preferable\n\nChannel 1: I'll take a look\n\nChannel 0: for\n\nChannel 1: at it later. It's just I'm\n\nChannel 0: you?\n\nChannel 1: still\n\nChannel 0: Yeah. That's\n\nChannel 1: at work at the moment, so I'm in point doing bits and pieces, but it's all good.\n\nChannel 0: yeah. No worries at all. Well, if you like, I'll run through the recommendations. I'll try to keep them as easy\n\nChannel 1: Yep.\n\nChannel 0: as possible for you,\n\nChannel 1: Yep. Sure.\n\nChannel 0: and then I'll make sure the document comes through to your email so you can review it a bit later on there. Okay?\n\nChannel 1: Yep. Yep. Sure.\n\nChannel 0: Excellent. And before I jump into the call, I do need to let you know I am recording the call for training and quality purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yep. That's okay.\n\nChannel 0: Fantastic. And I just need to do a quick security check just to confirm your full name, your date of birth, and address that I should have on file for you.\n\nChannel 1: David Owen Servit. Eight eight six three nineteen\n\nChannel 0: Yeah.\n\nChannel 1: '74.\n\nChannel 0: Yep.\n\nChannel 1: And my address is 78 The Pledge, Cable Beach, Broom, Western Australia.\n\nChannel 0: Beautiful. Thank you so much for that. So, David, with regards to the advice, when you're looking at that, it has been prepared for yourself. Our advice documents are valid the dates from the date on the document. So it is stated for today's date, the 09/03/2026 there.\n\nWe've also got on the bottom there my license number. I'm registered with Aptive as a licensed adviser, and my registration number is 1304394. Okay?\n\nChannel 1: No worries.\n\nChannel 0: So with regards to the advice here, essentially, he sorry. Essentially, we're looking at the superannuation side of things. So when we caught up last time, you were in that high growth environment. You were happy to stay in that high growth environment for a bit longer. You have made mention to me that you think you'll be working through to about the age of 70 at the moment if your body allows it, plus the caveat there,\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: hoping to your income of a thousand dollars a week. Does that still sound appropriate for you?\n\nChannel 1: Yep. Yep. That's all good.\n\nChannel 0: Yep. Beautiful. I've also factored in a little bit of the estate planning for other things as well. So one of the things that we talked about was the beneficiary. Now you wanted to have your beneficiary updated to your partner when you moved in together, and I believe that something that has now occurred.\n\nIs that right?\n\nChannel 1: Yes.\n\nChannel 0: Yes. Well, congratulations. How's it\n\nChannel 1: Yes.\n\nChannel 0: all going living together in a new house?\n\nChannel 1: Yes. Good. We're we're\n\nChannel 0: Yeah.\n\nChannel 1: actually we've\n\nChannel 0: Oh,\n\nChannel 1: we've been we actually we've actually known each other for, like, twenty eight years. So it just sort of\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: You\n\nChannel 1: It's alright.\n\nChannel 0: said that.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Fantastic. Congratulations. Look, honestly,\n\nChannel 1: Cheers.\n\nChannel 0: the best relationship to build off friendship, so that's fantastic. I'm so happy\n\nChannel 1: Yes.\n\nChannel 0: for you.\n\nChannel 1: Thank you. Cheers.\n\nChannel 0: You no worries. Essentially, with the advice with the super side of things. So after our call, I went back and I reviewed your super. I looked at Netwealth as well as all the other funds out there to make sure that things are working as hard as possible for you. My\n\nChannel 1: Yep.\n\nChannel 0: job as an adviser is to work in the best interest, Judy, which is part of corporations act. So, essentially, we're here to work towards your goals and in in in your best interest. So any advice we do provide does need to be working towards your goals and does need to be proven to be in your best interest. So as part of the advice document, as you are reading through the recommendations a bit later on, you will notice we've got a best interest duty, which outlines why the recommendations are suited in your best interest and how they can help you work towards your goals. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Now what I've essentially recommended here is that we do retain Netwealth. So I did look at all the other funds out there. Netwealth is still a good fund. There's no real reason to kind of look at the change in the fund.\n\nChannel 1: Mhmm.\n\nChannel 0: One of the important things I do look at when I'm looking at a portfolio is the capital gains consequences. So just like you, your super fund pays income tax and capital gains tax. It does a tax return every year. And, essentially, if we were to look at maneuvering or selling down your entire portfolio and moving you to another fund, your super fund would have been liable for capital gains over $4,586. So I wanted to not do that.\n\nI wanted to limit that capital gains consequence on your super so that you could have more money invested for you working harder. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: What I so I'd recommend that you stay within net wealth. It is a good fund. There's nothing wrong with the fund there. But I am recommending we make a bit of a change to your portfolio. Essentially, one of the things we talked about earlier was that there was an underlying investment, the Bennelong Equity Fund, and that one there has been underperforming.\n\nSo we have removed that out earlier in the year. And for now, we essentially just wanna kinda rebalance things and make sure the investors are working harder for you. So within\n\nChannel 1: Okay.\n\nChannel 0: your portfolio, we replace that spend along equities with the beta shares a 200. That's\n\nChannel 1: Yep.\n\nChannel 0: actually a much more it's a cheaper fund because it's more passively managed. The a 200, essentially also gives you greater diversification. So one of the things that I do like about the swap is that Bennelong only has between 15 to 25 different investment options in there. However, the BetaShares a 200 gives you access to about 200 companies on the Australian market. And as a cheaper investment, it actually works in your favor because there's less money being paid out for investment fees, which is important.\n\nSo what I essentially looked at doing for you was just altering your portfolio, rebalancing a few things to make sure that you were invested within that high growth environment, but in a way that helps the lower overall risk of your portfolio. When you're looking at the document, you will see the changes. I'll limit how much I throw at you today to make it easier.\n\nChannel 1: Yep.\n\nChannel 0: But, essentially, within the portfolio, once we make the switch of the investment, you'll essentially see your portfolio with about 7% in physical gold, still 25% in Australian equities, 6% in cybersecurity. We still wanna hold 9% in the European market there, 5% in the Japanese market, 35% in the S and P 500 because the American market still is performing well, and we do wanna see that continue. And then we're also adding an inclusion of the Vanguard All World US investment. This is giving you access to the entire globe, minus the American market because we hold 35% in the S and P 500. One of the biggest\n\nChannel 1: Okay.\n\nChannel 0: things about the best thing about lowering risk is diversifying across the globe, and this investment helps to do that. And then in that high growth environment, we still wanna hold some low risk defensive investments. So, essentially, we'll still see some core composite funds and things like that in there for you as\n\nChannel 1: Yep.\n\nChannel 0: well. Okay.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Excellent. Beautiful. I won't confuse you too much, but when you see the document, if you find you have questions in relation to those investments, you're welcome to come back and let\n\nChannel 1: Yep. Sure. No worries.\n\nChannel 0: me know. Okay? Excellent. The important thing and the reason I've kind of done the switch for you is that when we look at how your your last investments have performed in a high risk environment there, we essentially have seen them at about 11.17%. So it's a low they've averaged about 11%, which is absolutely fine, but this newer portfolio has essentially provided a greater return.\n\nSo we wanna make sure that we're in an environment where diversifying to lower risk. We're getting the best possible return that the portfolio can provide. So that's one of the reasons I've done it. Your older portfolio has returned about 11.17%. The newer portfolio has averaged 11.55%.\n\nSo a little bit more growth there is always important for you. The other\n\nChannel 1: Yep.\n\nChannel 0: thing that I do like is that it saves an investment fee. So it's averaging about $71 cheaper than your current portfolio. It's only a small difference, but when you think about that compounding over the next five to ten years, that can have a greater effect on your portfolio long term there. Okay?\n\nChannel 1: Okay. Yep. No worries.\n\nChannel 0: And as I as I mentioned before, we do have capital gains consequences. So to make the investments between the portfolio, I've been able to limit the capital gains consequence. Your super fund would only have to cover $543 in capital gains consequences, which is a good low amount for them to cover to make sure your portfolio is working and cheaper for you as well.\n\nChannel 1: Yep.\n\nChannel 0: Does that make sense? Do you have any questions? I'm so sorry. It can be a lot when you're not looking at the documents, but is\n\nChannel 1: Yeah.\n\nChannel 0: there anything you wanted to ask?\n\nChannel 1: No. Just so good at the moment.\n\nChannel 0: Yeah. That's okay. That's all good. I'm also recommending that with the beneficiary side of things that you do have the beneficiaries applied. You don't have those at the moment within your fund there.\n\nEssentially, we are recommending that you apply them to your partner. So now that you are living together, that we do add her to the beneficiary as a binding non lapsing. So in the event that something happens, as per your original wishes, that money can be paid out to her to sort of cover any expenses, cover mortgage payments, and things like that. So\n\nChannel 1: Yep.\n\nChannel 0: my team can help to have those prefilled. But at the moment, with not having any beneficiaries on file, it does leave a a bit of a gap at the risk there. But if anything happens to you, your super has to go through a probate process, and\n\nChannel 1: Yep.\n\nChannel 0: that can have big consequences or be very difficult on your family when they are trying to claim against that. So it does mean that your sleep and your life cover may disappear and not be paid to the person that you wanted to be paid to, essentially.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. Yeah. No worries.\n\nChannel 0: Yeah. Excellent. I've also made a recommendation that you do speak to a solicitor, especially now that you are living together and you do have a will and power of attorney done up. That is really important to make sure that everything that you've got is secured, that you have it directed to where you want it to be, and having a power of attorney also set up to make sure that it is covering anything that you wanted to cover. So a power of attorney actually that's the will to cover anything you want to cover, have a pay to where you want it to be, but a power of attorney essentially allows someone to make decisions for you on your behalf in the event that you're not able to make those decisions.\n\nLet's say that you're medically incapacitated and someone needs to make medical decisions in line with your wishes for you. So those\n\nChannel 1: Yep.\n\nChannel 0: are also really important documents to have done up, and they are done by a solicitor. So we do most likely to make sure we have that in there and can refer you to a solicitor to have more of an in-depth legal conversation around that for you as well. Okay?\n\nChannel 1: No worries. Yep. Sure.\n\nChannel 0: Excellent. And the only other thing I have in here is the insurance side of things. We're not altering those in any way, shape, or form. We're retaining your income protection. You are happy to retain\n\nChannel 1: Yep.\n\nChannel 0: that moving forward. They're not making any new recommendations around life, PPD, or trauma cover that was something you weren't interested in looking at. But down the track, if you wanna have more of a compensation or reassess those, you're absolutely welcome to let me know, and we can do that. It's not a problem.\n\nChannel 1: Yep.\n\nChannel 0: I've\n\nChannel 1: Sure.\n\nChannel 0: tried\n\nChannel 1: No\n\nChannel 0: to\n\nChannel 1: worries.\n\nChannel 0: make it as easy as possible because you'll get to go back and read the documents there. But did you have any questions? Is there anything that's come to mind currently or anything you needed me to break down a bit more for you? I'm so sorry.\n\nChannel 1: No. That's okay. No. That's alright. I just just\n\nChannel 0: Oh,\n\nChannel 1: wanted to get a a rough\n\nChannel 0: good.\n\nChannel 1: balance on my account as well if that's possible.\n\nChannel 0: Yeah. Oh, absolutely. Let me just pop in there for you. And as for the advice documents, so this is actually done off as per today's balance, and we it technically runs on the same balance because it's based on yesterday, and\n\nChannel 1: Okay.\n\nChannel 0: the balance today doesn't get updated till this afternoon. So it will work. Your balance in Super at the moment is 171,165.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Yeah.\n\nChannel 1: No problem.\n\nChannel 0: And I can go back and just double check last year for you if you like just to give you a comparison.\n\nChannel 1: Yeah. I think it was a bit lower.\n\nChannel 0: Yeah. Oh, my computer's opening. It's thinking about it. There we go. Yes.\n\nYeah. I had a hundred and sixty two thousand one hundred and thirty nine and ninety cents. So it is good. It has definitely been growing, but\n\nChannel 1: Yep.\n\nChannel 0: we just wanted to remove any underperforming investments and keeping your investments realigned with your goals. And then that's also about rebalancing as well to keep you in that risk level, which is really important to do. Okay?\n\nChannel 1: Yep. No worries.\n\nChannel 0: All good. Well, look. Thank you. Some of your time, I'm gonna send that to you so that it's sitting in so it sorry. It is sitting in your emails ready to read over.\n\nIf you find you have any questions, please let me know. We've\n\nChannel 1: Yep.\n\nChannel 0: also got the ongoing service agreement in there because you are on an ongoing service agreement for our services. It's 1.65% per annum, and that just allows us to keep working towards your goals, monitoring and looking after your super, and updating the advice to make sure we're working towards your goals and helping you along there. I\n\nChannel 1: Yep.\n\nChannel 0: wanted to once we kind of once you're happy to take on the changes and we go through this, I wanna do a catch up with you in a few months just to track how things are going and see if we need to reassess things for you.\n\nChannel 1: Okay.\n\nChannel 0: Is there a so then would you prefer six months or twelve months? What would you prefer there, David?\n\nChannel 1: Probably got six.\n\nChannel 0: Six months. Beautiful.\n\nChannel 1: Yeah. Six\n\nChannel 0: Not\n\nChannel 1: months.\n\nChannel 0: a problem at all. Yep. Fantastic.\n\nChannel 1: Yep.\n\nChannel 0: Lovely. Well, I will let you go. Thank you for your time. Don't work\n\nChannel 1: No\n\nChannel 0: too hard,\n\nChannel 1: worries.\n\nChannel 0: and I hope you have a good day. And let me know\n\nChannel 1: Will\n\nChannel 0: if there's\n\nChannel 1: this?\n\nChannel 0: any questions. And once you've read it over, if you sign and return it back, we'll be able to go to the implementation and have everything updated for you.\n\nChannel 1: Yep. No worries. Thank you very\n\nChannel 0: No worries.\n\nChannel 1: much.\n\nChannel 0: Thank you so much. I hope you have a good day.\n\nChannel 1: No worries. Have a good day too.\n\nChannel 0: Thanks. You too.\n\nChannel 1: Alright.\n\nChannel 0: Thanks\n\nChannel 1: No worries.\n\nChannel 0: for your time. See you\n\nChannel 1: Cheers.\n\nChannel 0: later.\n\nChannel 1: No worries.\n\nChannel 0: Bye.\n\nChannel 1: Bye. Bye bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":1.1999999,"end":1.5999999,"sentiment":"neutral","sentiment_score":0.2147720381617546},{"text":"David speaking.","start":1.5999999,"end":2.42,"sentiment":"neutral","sentiment_score":0.11159815266728401}],"sentiment":"neutral","sentiment_score":0.1631850954145193,"channel":1,"num_words":4,"start":1.1999999,"end":2.42},{"sentences":[{"text":"Hi, David.","start":3.04,"end":3.76,"sentiment":"neutral","sentiment_score":0.18275897204875946},{"text":"This is Dana from Oakview Financial.","start":3.76,"end":5.46,"sentiment":"neutral","sentiment_score":0.1867632990082105},{"text":"How are you this morning or this 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you.","start":11.84,"end":12.24,"sentiment":"positive","sentiment_score":0.6627266108989716},{"text":"I had people think to go through your updated statement of advice.","start":12.24,"end":15.025001,"sentiment":"neutral","sentiment_score":0.27712499101956684},{"text":"We've made some changes to your portfolio to sort of make sure we're working towards your goals.","start":15.025001,"end":19.505001,"sentiment":"neutral","sentiment_score":0.2297905543271233},{"text":"Is now still a good time there for you?","start":19.505001,"end":21.685001,"sentiment":"neutral","sentiment_score":0.21638951533370548}],"sentiment":"neutral","sentiment_score":0.29778966680169106,"channel":0,"num_words":44,"start":10.559999,"end":21.685001},{"sentences":[{"text":"Yep.","start":22.965,"end":23.465,"sentiment":"neutral","sentiment_score":0.09663499891757964}],"sentiment":"neutral","sentiment_score":0.09663499891757964,"channel":1,"num_words":1,"start":22.965,"end":23.465},{"sentences":[{"text":"If it's not, 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happy","start":184.72,"end":185.52,"sentiment":"positive","sentiment_score":0.6166964769363403}],"sentiment":"positive","sentiment_score":0.5201694483940418,"channel":0,"num_words":13,"start":180.8,"end":185.52},{"sentences":[{"text":"Yes.","start":185.205,"end":185.705,"sentiment":"positive","sentiment_score":0.4343582689762115}],"sentiment":"positive","sentiment_score":0.4343582689762115,"channel":1,"num_words":1,"start":185.205,"end":185.705},{"sentences":[{"text":"for you.","start":185.52,"end":186.18001,"sentiment":"positive","sentiment_score":0.43538692593574524}],"sentiment":"positive","sentiment_score":0.43538692593574524,"channel":0,"num_words":2,"start":185.52,"end":186.18001},{"sentences":[{"text":"Thank you.","start":186.405,"end":187.125,"sentiment":"positive","sentiment_score":0.5119162797927856},{"text":"Cheers.","start":187.125,"end":187.625,"sentiment":"neutral","sentiment_score":0.31271642446517944}],"sentiment":"positive","sentiment_score":0.44551632801691693,"channel":1,"num_words":3,"start":186.405,"end":187.625},{"sentences":[{"text":"You no worries.","start":187.685,"end":189.145,"sentiment":"neutral","sentiment_score":0.12497231115897496},{"text":"Essentially, with the advice with the super side of things.","start":190.245,"end":192.725,"sentiment":"neutral","sentiment_score":0.15215729922056198},{"text":"So after our call, I went back and I reviewed your super.","start":192.725,"end":195.625,"sentiment":"neutral","sentiment_score":0.10442590589324634},{"text":"I looked at Netwealth as well as all the other funds out there to make sure that things are working as hard as possible for you.","start":195.685,"end":201.21,"sentiment":"neutral","sentiment_score":-0.024087365788335983},{"text":"My","start":201.53001,"end":201.69,"sentiment":"neutral","sentiment_score":0.2083536684513092}],"sentiment":"neutral","sentiment_score":0.05253236450684758,"channel":0,"num_words":52,"start":187.685,"end":201.69},{"sentences":[{"text":"Yep.","start":201.68,"end":202.18,"sentiment":"neutral","sentiment_score":0.158343106508255}],"sentiment":"neutral","sentiment_score":0.158343106508255,"channel":1,"num_words":1,"start":201.68,"end":202.18},{"sentences":[{"text":"job as an adviser is to work in the best interest, Judy, which is part of corporations act.","start":201.69,"end":206.09001,"sentiment":"neutral","sentiment_score":0.21077518910169601},{"text":"So, essentially, we're here to work towards your goals and in in in your best interest.","start":206.09001,"end":211.05,"sentiment":"positive","sentiment_score":0.3801879771053791},{"text":"So any advice we do provide does need to be working towards your goals and does need to be proven to be in your best interest.","start":211.05,"end":216.815,"sentiment":"neutral","sentiment_score":0.24703033325763848},{"text":"So as part of the advice document, as you are reading through the recommendations a bit later on, you will notice we've got a best interest duty, which outlines why the recommendations are suited in your best interest and how they can help you work towards your goals.","start":216.815,"end":229.635,"sentiment":"neutral","sentiment_score":0.2723831959689657},{"text":"Okay?","start":229.69499,"end":230.19499,"sentiment":"neutral","sentiment_score":0.12113332748413086}],"sentiment":"neutral","sentiment_score":0.2705988663872448,"channel":0,"num_words":109,"start":201.69,"end":230.19499},{"sentences":[{"text":"Yep.","start":230.11,"end":230.61,"sentiment":"neutral","sentiment_score":0.12521478533744812},{"text":"Yep.","start":230.67,"end":231.17,"sentiment":"neutral","sentiment_score":0.1232629269361496}],"sentiment":"neutral","sentiment_score":0.12423885613679886,"channel":1,"num_words":2,"start":230.11,"end":231.17},{"sentences":[{"text":"Now what I've essentially recommended here is that we do retain Netwealth.","start":231.89,"end":235.33,"sentiment":"neutral","sentiment_score":0.11778789758682251},{"text":"So I did look at all the other funds out there.","start":235.33,"end":237.41,"sentiment":"neutral","sentiment_score":0.20374311913143506},{"text":"Netwealth is still a good fund.","start":237.41,"end":239.41,"sentiment":"positive","sentiment_score":0.42889442046483356},{"text":"There's no real reason to kind of look at the change in the fund.","start":239.41,"end":242.39,"sentiment":"neutral","sentiment_score":-0.0469431821256876}],"sentiment":"neutral","sentiment_score":0.12955328033760535,"channel":0,"num_words":43,"start":231.89,"end":242.39},{"sentences":[{"text":"Mhmm.","start":242.265,"end":242.765,"sentiment":"neutral","sentiment_score":-0.0027442025020718575}],"sentiment":"neutral","sentiment_score":-0.0027442025020718575,"channel":1,"num_words":1,"start":242.265,"end":242.765},{"sentences":[{"text":"One of the important things I do look at when I'm looking at a portfolio is the capital gains consequences.","start":242.53,"end":247.985,"sentiment":"neutral","sentiment_score":-0.1017291909083724},{"text":"So just like you, your super fund pays income tax and capital gains tax.","start":248.205,"end":252.765,"sentiment":"neutral","sentiment_score":-0.1324033678642341},{"text":"It does a tax return every year.","start":252.765,"end":254.705,"sentiment":"neutral","sentiment_score":-0.14492295469556535},{"text":"And, essentially, if we were to look at maneuvering or selling down your entire portfolio and moving you to another fund, your super fund would have been liable for capital gains over $4,586.","start":255.165,"end":267.98,"sentiment":"neutral","sentiment_score":-0.31229225478389044},{"text":"So I wanted to not do that.","start":267.98,"end":269.5,"sentiment":"negative","sentiment_score":-0.3489417774336679}],"sentiment":"neutral","sentiment_score":-0.21791269754370055,"channel":0,"num_words":81,"start":242.53,"end":269.5},{"sentences":[{"text":"I wanted to limit that capital gains consequence on your super so that you could have more money invested for you working 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wrong with the fund there.","start":282.325,"end":284.105,"sentiment":"neutral","sentiment_score":0.0863422943013055},{"text":"But I am recommending we make a bit of a change to your portfolio.","start":284.24503,"end":287.225,"sentiment":"neutral","sentiment_score":0.016039171921355382},{"text":"Essentially, one of the things we talked about earlier was that there was an underlying investment, the Bennelong Equity Fund, and that one there has been underperforming.","start":288.32,"end":295.94,"sentiment":"neutral","sentiment_score":-0.2234944483196294}],"sentiment":"neutral","sentiment_score":-0.033722790074534714,"channel":0,"num_words":64,"start":278.96503,"end":295.94},{"sentences":[{"text":"So we have removed that out earlier in the year.","start":296.32,"end":298.98,"sentiment":"neutral","sentiment_score":-0.25404279828071596},{"text":"And for now, we essentially just wanna kinda rebalance things and make sure the investors are working harder for 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portfolio.","start":343.745,"end":355.57,"sentiment":"neutral","sentiment_score":0.2453291533991348},{"text":"When you're looking at the document, you will see the changes.","start":356.19,"end":358.59,"sentiment":"neutral","sentiment_score":0.11682402410290459},{"text":"I'll limit how much I throw at you today to make it easier.","start":358.59,"end":361.72998,"sentiment":"neutral","sentiment_score":0.13199616338198}],"sentiment":"neutral","sentiment_score":0.20224131321284308,"channel":0,"num_words":67,"start":343.745,"end":361.72998},{"sentences":[{"text":"Yep.","start":362.365,"end":362.865,"sentiment":"neutral","sentiment_score":0.21417498588562012}],"sentiment":"neutral","sentiment_score":0.21417498588562012,"channel":1,"num_words":1,"start":362.365,"end":362.865},{"sentences":[{"text":"But, essentially, within the portfolio, once we make the switch of the investment, you'll essentially see your portfolio with about 7% in physical gold, still 25% in Australian equities, 6% in 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there.","start":486.8,"end":494.96,"sentiment":"positive","sentiment_score":0.33513042378810143},{"text":"Okay?","start":494.96,"end":495.46,"sentiment":"neutral","sentiment_score":0.12135039269924164}],"sentiment":"positive","sentiment_score":0.33636024483927973,"channel":0,"num_words":54,"start":479.475,"end":495.46},{"sentences":[{"text":"Okay.","start":495.41498,"end":495.91498,"sentiment":"neutral","sentiment_score":0.11983975768089294},{"text":"Yep.","start":495.975,"end":496.375,"sentiment":"neutral","sentiment_score":0.12203340977430344},{"text":"No worries.","start":496.375,"end":497.035,"sentiment":"neutral","sentiment_score":0.10053705051541328}],"sentiment":"neutral","sentiment_score":0.11073681712150574,"channel":1,"num_words":4,"start":495.41498,"end":497.035},{"sentences":[{"text":"And as I as I mentioned before, we do have capital gains consequences.","start":497.36,"end":501.155,"sentiment":"neutral","sentiment_score":0.07686081815224427},{"text":"So to make the investments between the portfolio, I've been able to limit the capital gains consequence.","start":501.455,"end":506.915,"sentiment":"neutral","sentiment_score":0.14547419854823282},{"text":"Your super fund would only have to cover $543 in capital gains consequences, which is a good low amount for them to cover to make sure your portfolio is working and cheaper for you as well.","start":506.975,"end":519.19,"sentiment":"neutral","sentiment_score":0.2755678105685446}],"sentiment":"neutral","sentiment_score":0.20291959381464755,"channel":0,"num_words":66,"start":497.36,"end":519.19},{"sentences":[{"text":"Yep.","start":519.49,"end":519.99,"sentiment":"neutral","sentiment_score":0.0675666481256485}],"sentiment":"neutral","sentiment_score":0.0675666481256485,"channel":1,"num_words":1,"start":519.49,"end":519.99},{"sentences":[{"text":"Does that make sense?","start":519.65,"end":520.85004,"sentiment":"neutral","sentiment_score":0.0743000702932477},{"text":"Do you have any questions?","start":520.85004,"end":522.05,"sentiment":"neutral","sentiment_score":0.03707445077598095},{"text":"I'm so sorry.","start":522.05,"end":522.77,"sentiment":"neutral","sentiment_score":-0.06734294941027959},{"text":"It can be a lot when you're not looking at the documents, but is","start":522.77,"end":525.25,"sentiment":"neutral","sentiment_score":-0.07202352397143841}],"sentiment":"neutral","sentiment_score":-0.027991755722233884,"channel":0,"num_words":26,"start":519.65,"end":525.25},{"sentences":[{"text":"Yeah.","start":525.205,"end":525.705,"sentiment":"neutral","sentiment_score":-0.03012838400900364}],"sentiment":"neutral","sentiment_score":-0.03012838400900364,"channel":1,"num_words":1,"start":525.205,"end":525.705},{"sentences":[{"text":"there anything you wanted to 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your super has to go through a probate process, and","start":569.19995,"end":574.39996,"sentiment":"neutral","sentiment_score":-0.14715720433741808}],"sentiment":"neutral","sentiment_score":-0.10503028674672048,"channel":0,"num_words":48,"start":560.54504,"end":574.39996},{"sentences":[{"text":"Yep.","start":574.36,"end":574.86,"sentiment":"neutral","sentiment_score":-0.15796130895614624}],"sentiment":"neutral","sentiment_score":-0.15796130895614624,"channel":1,"num_words":1,"start":574.36,"end":574.86},{"sentences":[{"text":"that can have big consequences or be very difficult on your family when they are trying to claim against that.","start":574.39996,"end":580.31995,"sentiment":"neutral","sentiment_score":-0.25000458098948003},{"text":"So it does mean that your sleep and your life cover may disappear and not be paid to the person that you wanted to be paid to, 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you along there.","start":765.915,"end":777.68,"sentiment":"neutral","sentiment_score":0.246256128737801},{"text":"I","start":778.14,"end":778.3,"sentiment":"neutral","sentiment_score":0.09334981441497804}],"sentiment":"neutral","sentiment_score":0.20359812792519044,"channel":0,"num_words":58,"start":760.955,"end":778.3},{"sentences":[{"text":"Yep.","start":778.29,"end":778.79,"sentiment":"neutral","sentiment_score":0.07888718694448471}],"sentiment":"neutral","sentiment_score":0.07888718694448471,"channel":1,"num_words":1,"start":778.29,"end":778.79},{"sentences":[{"text":"wanted to once we kind of once you're happy to take on the changes and we go through this, I wanna do a catch up with you in a few months just to track how things are going and see if we need to reassess things for you.","start":778.3,"end":788.505,"sentiment":"neutral","sentiment_score":0.11837134580127895}],"sentiment":"neutral","sentiment_score":0.11837134580127895,"channel":0,"num_words":48,"start":778.3,"end":788.505},{"sentences":[{"text":"Okay.","start":788.90497,"end":789.40497,"sentiment":"neutral","sentiment_score":0.018818939104676247}],"sentiment":"neutral","sentiment_score":0.018818939104676247,"channel":1,"num_words":1,"start":788.90497,"end":789.40497},{"sentences":[{"text":"Is there a so then would you prefer six months or twelve months?","start":789.205,"end":793.285,"sentiment":"neutral","sentiment_score":0.002917159993488055},{"text":"What would you prefer there, David?","start":793.285,"end":794.90497,"sentiment":"neutral","sentiment_score":0.003187477122992277}],"sentiment":"neutral","sentiment_score":0.00300252329754202,"channel":0,"num_words":19,"start":789.205,"end":794.90497},{"sentences":[{"text":"Probably got 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hard,","start":805.11,"end":805.51,"sentiment":"neutral","sentiment_score":0.029794596135616302}],"sentiment":"neutral","sentiment_score":0.029794596135616302,"channel":0,"num_words":2,"start":805.11,"end":805.51},{"sentences":[{"text":"worries.","start":805.33,"end":805.83,"sentiment":"neutral","sentiment_score":0.08112313598394394}],"sentiment":"neutral","sentiment_score":0.08112313598394394,"channel":1,"num_words":1,"start":805.33,"end":805.83},{"sentences":[{"text":"and I hope you have a good day.","start":805.51,"end":807.11,"sentiment":"neutral","sentiment_score":0.3045920394361019},{"text":"And let me know","start":807.11,"end":807.75,"sentiment":"neutral","sentiment_score":0.15563347563147545}],"sentiment":"neutral","sentiment_score":0.25493918483455974,"channel":0,"num_words":12,"start":805.51,"end":807.75},{"sentences":[{"text":"Will","start":807.73,"end":807.97003,"sentiment":"neutral","sentiment_score":0.09590449184179306}],"sentiment":"neutral","sentiment_score":0.09590449184179306,"channel":1,"num_words":1,"start":807.73,"end":807.97003},{"sentences":[{"text":"if there's","start":807.75,"end":808.07,"sentiment":"neutral","sentiment_score":0.08691830560564995}],"sentiment":"neutral","sentiment_score":0.08691830560564995,"channel":0,"num_words":2,"start":807.75,"end":808.07},{"sentences":[{"text":"this?","start":807.97003,"end":808.47003,"sentiment":"neutral","sentiment_score":0.0840618684887886}],"sentiment":"neutral","sentiment_score":0.0840618684887886,"channel":1,"num_words":1,"start":807.97003,"end":808.47003},{"sentences":[{"text":"any questions.","start":808.07,"end":808.70996,"sentiment":"neutral","sentiment_score":0.06320691294968128},{"text":"And once you've read it over, if you sign and return it back, we'll be able to go to the implementation and have everything updated for you.","start":808.70996,"end":815.265,"sentiment":"neutral","sentiment_score":0.17258367273542616}],"sentiment":"neutral","sentiment_score":0.16504044792261616,"channel":0,"num_words":29,"start":808.07,"end":815.265},{"sentences":[{"text":"Yep.","start":815.25,"end":815.57,"sentiment":"neutral","sentiment_score":0.09661704301834106},{"text":"No worries.","start":815.57,"end":815.97003,"sentiment":"neutral","sentiment_score":0.1326768733561039},{"text":"Thank you very","start":815.97003,"end":816.705,"sentiment":"neutral","sentiment_score":0.24267360071341196}],"sentiment":"neutral","sentiment_score":0.18166526531179747,"channel":1,"num_words":6,"start":815.25,"end":816.705},{"sentences":[{"text":"No 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too.","start":822.145,"end":823.28503,"sentiment":"positive","sentiment_score":0.7547714829444885}],"sentiment":"positive","sentiment_score":0.5668037427323205,"channel":1,"num_words":7,"start":821.34503,"end":823.28503},{"sentences":[{"text":"Thanks.","start":823.3189,"end":823.8189,"sentiment":"positive","sentiment_score":0.7696167230606079},{"text":"You 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time.","start":824.9989,"end":825.7989,"sentiment":"positive","sentiment_score":0.6701732079188029},{"text":"See you","start":825.7989,"end":826.1189,"sentiment":"positive","sentiment_score":0.5608125030994415}],"sentiment":"positive","sentiment_score":0.6264289259910584,"channel":0,"num_words":5,"start":824.9989,"end":826.1189},{"sentences":[{"text":"Cheers.","start":826.065,"end":826.385,"sentiment":"positive","sentiment_score":0.5439913868904114}],"sentiment":"positive","sentiment_score":0.5439913868904114,"channel":1,"num_words":1,"start":826.065,"end":826.385},{"sentences":[{"text":"later.","start":826.1189,"end":826.6189,"sentiment":"neutral","sentiment_score":0.3073144555091858}],"sentiment":"neutral","sentiment_score":0.3073144555091858,"channel":0,"num_words":1,"start":826.1189,"end":826.6189},{"sentences":[{"text":"No worries.","start":826.385,"end":827.025,"sentiment":"neutral","sentiment_score":0.17054052650928497}],"sentiment":"neutral","sentiment_score":0.17054052650928497,"channel":1,"num_words":2,"start":826.385,"end":827.025},{"sentences":[{"text":"Bye.","start":826.7589,"end":827.2589,"sentiment":"neutral","sentiment_score":0.20078566670417783}],"sentiment":"neutral","sentiment_score":0.20078566670417783,"channel":0,"num_words":1,"start":826.7589,"end":827.2589},{"sentences":[{"text":"Bye.","start":827.025,"end":827.34503,"sentiment":"neutral","sentiment_score":0.1746680736541748},{"text":"Bye bye.","start":827.34503,"end":828.005,"sentiment":"neutral","sentiment_score":0.025806847959756858}],"sentiment":"neutral","sentiment_score":0.07542725652456284,"channel":1,"num_words":3,"start":827.025,"end":828.005}]},"summary":{"result":"success","short":"David's updated statement of advice and portfolio changes were discussed, as well as the importance of reducing risk and diversifying risk across the globe. The speaker recommends reducing capital gains and adding beneficiaries to the trust for better risk profiles, and advises reducing risk for the super fund and adding beneficiaries to the trust. The insurance side of things is not changed and the agent offers to provide legal advice sessions and refer the customer to a solicitor for more legal advice. The customer is advised to speak to a solicitor to ensure legal documents are addressed and to sign and return the service agreement."},"intents":{"segments":[{"text":"And I just need to do a quick security check just to confirm your full name, your date of birth, and address that I should have on file for you. David Owen Servit.","start_word":262,"end_word":294,"intents":[{"intent":"Confirm identity","confidence_score":0.033241857}]},{"text":"So, David, with regards to the advice, when you're looking at that, it has been prepared for yourself. Our advice documents are valid the dates from the date on the document. So it is stated for today's date, the 09/03/2026 there. We've also got on the bottom there my license number. I'm registered with Aptive as a licensed adviser, and my registration number is 1304394. Okay? No worries.","start_word":323,"end_word":390,"intents":[{"intent":"Provide advice","confidence_score":0.047872625}]},{"text":"hoping to your income of a thousand dollars a week. Does that still sound appropriate for you? Yep.","start_word":471,"end_word":488,"intents":[{"intent":"Explain financial future","confidence_score":5.25232e-7}]},{"text":"Well, congratulations. How's it Yes. all going living together in a new house? Yes. Good.","start_word":553,"end_word":567,"intents":[{"intent":"Congratulate on new house","confidence_score":0.028810458}]},{"text":"Essentially, with the advice with the super side of things. So after our call, I went back and I reviewed your super.","start_word":630,"end_word":651,"intents":[{"intent":"Recommend communication with daniel","confidence_score":6.142999e-7}]},{"text":"Now what I've essentially recommended here is that we do retain Netwealth. So I did look at all the other funds out there. Netwealth is still a good fund. There's no real reason to kind of look at the change in the fund.","start_word":791,"end_word":833,"intents":[{"intent":"Recommend retaining netwealth","confidence_score":0.06208213}]},{"text":"Mhmm.","start_word":834,"end_word":834,"intents":[{"intent":"Discuss portfolio changes","confidence_score":0.08612419}]},{"text":"And for now, we essentially just wanna kinda rebalance things and make sure the investors are working harder for you. So within Okay.","start_word":1017,"end_word":1039,"intents":[{"intent":"Rebalance investments","confidence_score":0.087661766}]},{"text":"Your older portfolio has returned about 11.17%. The newer portfolio has averaged 11.55%. So a little bit more growth there is always important for you. The other Yep.","start_word":1519,"end_word":1546,"intents":[{"intent":"Explain portfolio benefits","confidence_score":0.011526132}]},{"text":"I'm also recommending that with the beneficiary side of things that you do have the beneficiaries applied.","start_word":1718,"end_word":1734,"intents":[{"intent":"Recommend incorporating beneficiaries","confidence_score":0.030596286}]},{"text":"I'm also recommending that with the beneficiary side of things that you do have the beneficiaries applied. You don't have those at the moment within your fund there.","start_word":1718,"end_word":1745,"intents":[{"intent":"Recommend adding beneficiary to fund","confidence_score":0.0018169929}]},{"text":"I'm also recommending that with the beneficiary side of things that you do have the beneficiaries applied. You don't have those at the moment within your fund there. Essentially, we are recommending that you apply them to your partner. So now that you are living together, that we do add her to the beneficiary as a binding non lapsing.","start_word":1718,"end_word":1776,"intents":[{"intent":"Discuss confirming a trust in beneficiaries","confidence_score":2.1725338e-8}]},{"text":"I've also made a recommendation that you do speak to a solicitor, especially now that you are living together and you do have a will and power of attorney done up.","start_word":1917,"end_word":1947,"intents":[{"intent":"Suggest contacting a solicitor","confidence_score":0.017479535},{"intent":"Recommend practicing power of attorney","confidence_score":0.00012950835},{"intent":"Suggest speaking to a solicitor","confidence_score":0.00023910604},{"intent":"Explain importance of a will and power of attorney","confidence_score":0.00070606434}]},{"text":"I've also made a recommendation that you do speak to a solicitor, especially now that you are living together and you do have a will and power of attorney done up. That is really important to make sure that everything that you've got is secured, that you have it directed to where you want it to be, and having a power of attorney also set up to make sure that it is covering anything that you wanted to cover.","start_word":1917,"end_word":1995,"intents":[{"intent":"Advise on ensuring proper will and power of attorney","confidence_score":0.000027717606}]},{"text":"Let's say that you're medically incapacitated and someone needs to make medical decisions in line with your wishes for you.","start_word":2049,"end_word":2068,"intents":[{"intent":"Make decisions in line with wishes","confidence_score":0.00029471813}]},{"text":"Is there anything that's come to mind currently or anything you needed me to break down a bit more for you? I'm so sorry.","start_word":2249,"end_word":2272,"intents":[{"intent":"Resolve concerns","confidence_score":0.004226032}]},{"text":"we just wanted to remove any underperforming investments and keeping your investments realigned with your goals. And then that's also about rebalancing as well to keep you in that risk level, which is really important to do. Okay? Yep.","start_word":2440,"end_word":2478,"intents":[{"intent":"Rebalance investment portfolio","confidence_score":0.008298537},{"intent":"Understand risk level","confidence_score":0.004994194}]},{"text":"Some of your time, I'm gonna send that to you so that it's sitting in so it sorry. It is sitting in your emails ready to read over. If you find you have any questions, please let me know. We've Yep.","start_word":2487,"end_word":2527,"intents":[{"intent":"Send email","confidence_score":0.029961621}]},{"text":"If you find you have any questions, please let me know. We've Yep.","start_word":2515,"end_word":2527,"intents":[{"intent":"Provide information","confidence_score":0.0044385223}]},{"text":"wanted to once we kind of once you're happy to take on the changes and we go through this, I wanna do a catch up with you in a few months just to track how things are going and see if we need to reassess things for you.","start_word":2587,"end_word":2634,"intents":[{"intent":"Check progress","confidence_score":0.03155045}]},{"text":"wanted to once we kind of once you're happy to take on the changes and we go through this, I wanna do a catch up with you in a few months just to track how things are going and see if we need to reassess things for you. Okay.","start_word":2587,"end_word":2635,"intents":[{"intent":"Follow up","confidence_score":0.028706115}]}]},"sentiments":{"segments":[{"text":"Good morning. David speaking. Hi, David. This is Dana from Oakview Financial. How are you this morning or this afternoon? Sorry.","start_word":0,"end_word":20,"sentiment":"neutral","sentiment_score":0.18494994938373568},{"text":"I'm good. Thanks. So That's I'm very well. Thank you.","start_word":21,"end_word":30,"sentiment":"positive","sentiment_score":0.5888954997062683},{"text":"I had people think to go through your updated statement of advice. We've made some changes to your portfolio to sort of make sure we're working towards your goals. Is now still a good time there for you? Yep. If it's not, that's honestly okay. I'm happy to make another time if it suits you better. No.","start_word":31,"end_word":87,"sentiment":"neutral","sentiment_score":0.17732836306095123},{"text":"It's not good at the moment.","start_word":88,"end_word":93,"sentiment":"negative","sentiment_score":-0.43394985795021057},{"text":"That's okay. Beautiful. Okay. Olga, we normally send the documents to you via email. Are you able to do that? If you're not, I can just run through the recommendations, and then you're welcome to look at it as it later. What's more preferable I'll take a look for at it later. It's just I'm you? still Yeah. That's at work at the moment, so I'm in point doing bits and pieces, but it's all good. yeah. No worries at all. Well, if you like, I'll run through the recommendations. I'll try to keep them as easy Yep. as possible for you, Yep. Sure. and then I'll make sure the document comes through to your email so you can review it a bit later on there. Okay? Yep. Yep. Sure.","start_word":94,"end_word":223,"sentiment":"neutral","sentiment_score":0.10655215382575987},{"text":"Excellent.","start_word":224,"end_word":224,"sentiment":"positive","sentiment_score":0.361461877822876},{"text":"And before I jump into the call, I do need to let you know I am recording the call for training and quality purposes. Are you happy for me to proceed with that? Yep. That's okay.","start_word":225,"end_word":260,"sentiment":"neutral","sentiment_score":0.15528516471385956},{"text":"Fantastic.","start_word":261,"end_word":261,"sentiment":"positive","sentiment_score":0.4585232734680176},{"text":"And I just need to do a quick security check just to confirm your full name, your date of birth, and address that I should have on file for you. David Owen Servit. Eight eight six three nineteen Yeah. '74. Yep. And my address is 78 The Pledge, Cable Beach, Broom, Western Australia.","start_word":262,"end_word":314,"sentiment":"neutral","sentiment_score":0.1125701442360878},{"text":"Beautiful. Thank you so much for that.","start_word":315,"end_word":321,"sentiment":"positive","sentiment_score":0.5774361491203308},{"text":"So, David, with regards to the advice, when you're looking at that, it has been prepared for yourself. Our advice documents are valid the dates from the date on the document. So it is stated for today's date, the 09/03/2026 there. We've also got on the bottom there my license number. I'm registered with Aptive as a licensed adviser, and my registration number is 1304394. Okay? No worries. So with regards to the advice here, essentially, he sorry. Essentially, we're looking at the superannuation side of things. So when we caught up last time, you were in that high growth environment. You were happy to stay in that high growth environment for a bit longer. You have made mention to me that you think you'll be working through to about the age of 70 at the moment if your body allows it, plus the caveat there, Yeah. and Yeah. hoping to your income of a thousand dollars a week. Does that still sound appropriate for you? Yep. Yep.","start_word":322,"end_word":489,"sentiment":"neutral","sentiment_score":0.03676196932792664},{"text":"That's all good.","start_word":490,"end_word":492,"sentiment":"positive","sentiment_score":0.35541242361068726},{"text":"Yep.","start_word":493,"end_word":493,"sentiment":"neutral","sentiment_score":0.27394264936447144},{"text":"Beautiful.","start_word":494,"end_word":494,"sentiment":"positive","sentiment_score":0.5522634983062744},{"text":"I've also factored in a little bit of the estate planning for other things as well. So one of the things that we talked about was the beneficiary. Now you wanted to have your beneficiary updated to your partner when you moved in together, and I believe that something that has now occurred. Is that right? Yes. Yes.","start_word":495,"end_word":552,"sentiment":"neutral","sentiment_score":0.11165975034236908},{"text":"Well, congratulations.","start_word":553,"end_word":554,"sentiment":"positive","sentiment_score":0.3521786332130432},{"text":"How's it Yes. all going living together in a new house? Yes. Good. We're we're Yeah. actually we've Oh, we've been we actually we've actually known each other for, like, twenty eight years. So it just sort of Yeah. yeah. You It's alright. said that. So Yeah. yeah.","start_word":555,"end_word":602,"sentiment":"neutral","sentiment_score":0.08948047459125519},{"text":"Fantastic. Congratulations. Look, honestly, Cheers. the best relationship to build off friendship, so that's fantastic. I'm so happy Yes. for you. Thank you.","start_word":603,"end_word":625,"sentiment":"positive","sentiment_score":0.5114933848381042},{"text":"Cheers. You no worries. Essentially, with the advice with the super side of things. So after our call, I went back and I reviewed your super. I looked at Netwealth as well as all the other funds out there to make sure that things are working as hard as possible for you. My Yep. job as an adviser is to work in the best interest, Judy, which is part of corporations act.","start_word":626,"end_word":697,"sentiment":"neutral","sentiment_score":0.10507727207409012},{"text":"So, essentially, we're here to work towards your goals and in in in your best interest.","start_word":698,"end_word":713,"sentiment":"positive","sentiment_score":0.354022353887558},{"text":"So any advice we do provide does need to be working towards your goals and does need to be proven to be in your best interest. So as part of the advice document, as you are reading through the recommendations a bit later on, you will notice we've got a best interest duty, which outlines why the recommendations are suited in your best interest and how they can help you work towards your goals. Okay? Yep. Yep. Now what I've essentially recommended here is that we do retain Netwealth. So I did look at all the other funds out there.","start_word":714,"end_word":813,"sentiment":"neutral","sentiment_score":0.22429662942886353},{"text":"Netwealth is still a good fund.","start_word":814,"end_word":819,"sentiment":"positive","sentiment_score":0.42756137251853943},{"text":"There's no real reason to kind of look at the change in the fund. Mhmm. One of the important things I do look at when I'm looking at a portfolio is the capital gains consequences. So just like you, your super fund pays income tax and capital gains tax. It does a tax return every year. And, essentially, if we were to look at maneuvering or selling down your entire portfolio and moving you to another fund, your super fund would have been liable for capital gains over $4,586.","start_word":820,"end_word":908,"sentiment":"neutral","sentiment_score":-0.16796189546585083},{"text":"So I wanted to not do that.","start_word":909,"end_word":915,"sentiment":"negative","sentiment_score":-0.3564620018005371},{"text":"I wanted to limit that capital gains consequence on your super so that you could have more money invested for you working harder. Okay? Yep. Yep. What I so I'd recommend that you stay within net wealth.","start_word":916,"end_word":952,"sentiment":"neutral","sentiment_score":-0.019215447828173637},{"text":"It is a good fund.","start_word":953,"end_word":957,"sentiment":"positive","sentiment_score":0.4342040419578552},{"text":"There's nothing wrong with the fund there. But I am recommending we make a bit of a change to your portfolio. Essentially, one of the things we talked about earlier was that there was an underlying investment, the Bennelong Equity Fund, and that one there has been underperforming. So we have removed that out earlier in the year. And for now, we essentially just wanna kinda rebalance things and make sure the investors are working harder for you. So within Okay. your portfolio, we replace that spend along equities with the beta shares a 200.","start_word":958,"end_word":1052,"sentiment":"neutral","sentiment_score":-0.057632475111045335},{"text":"That's Yep. actually a much more it's a cheaper fund because it's more passively managed. The a 200, essentially also gives you greater diversification. So one of the things that I do like about the swap is that Bennelong only has between 15 to 25 different investment options in there. However, the BetaShares a 200 gives you access to about 200 companies on the Australian market. And as a cheaper investment, it actually works in your favor because there's less money being paid out for investment fees, which is important.","start_word":1053,"end_word":1142,"sentiment":"positive","sentiment_score":0.4803533554077149},{"text":"So what I essentially looked at doing for you was just altering your portfolio, rebalancing a few things to make sure that you were invested within that high growth environment, but in a way that helps the lower overall risk of your portfolio. When you're looking at the document, you will see the changes. I'll limit how much I throw at you today to make it easier. But, Yep. essentially, within the portfolio, once we make the switch of the investment, you'll essentially see your portfolio with about 7% in physical gold, still 25% in Australian equities, 6% in cybersecurity.","start_word":1143,"end_word":1242,"sentiment":"neutral","sentiment_score":0.21796777844429016},{"text":"We still wanna hold 9% in the European market there, 5% in the Japanese market, 35% in the S and P 500 because the American market still is performing well, and we do wanna see that continue. And then we're also adding an inclusion of the Vanguard All World US investment.","start_word":1243,"end_word":1293,"sentiment":"positive","sentiment_score":0.3953062891960144},{"text":"This is giving you access to the entire globe, minus the American market because we hold 35% in the S and P 500.","start_word":1294,"end_word":1316,"sentiment":"neutral","sentiment_score":0.3189648687839508},{"text":"One of the biggest Okay. things about the best thing about lowering risk is diversifying across the globe, and this investment helps to do that. And then in that high growth environment, we still wanna hold some low risk defensive investments.","start_word":1317,"end_word":1357,"sentiment":"positive","sentiment_score":0.43257033824920654},{"text":"So, essentially, we'll still see some core composite funds and things like that in there for you as Yep. well. Okay. Okay. Yep.","start_word":1358,"end_word":1380,"sentiment":"neutral","sentiment_score":0.08228074759244919},{"text":"Excellent. Beautiful.","start_word":1381,"end_word":1382,"sentiment":"positive","sentiment_score":0.7206390500068665},{"text":"I won't confuse you too much, but when you see the document, if you find you have questions in relation to those investments, you're welcome to come back and let Yep. Sure. No worries. me know. Okay?","start_word":1383,"end_word":1419,"sentiment":"neutral","sentiment_score":0.2984956204891205},{"text":"Excellent.","start_word":1420,"end_word":1420,"sentiment":"positive","sentiment_score":0.5518781542778015},{"text":"The important thing and the reason I've kind of done the switch for you is that when we look at how your your last investments have performed in a high risk environment there, we essentially have seen them at about 11.17%.","start_word":1421,"end_word":1461,"sentiment":"neutral","sentiment_score":0.28289082646369934},{"text":"So it's a low they've averaged about 11%, which is absolutely fine, but this newer portfolio has essentially provided a greater return. So we wanna make sure that we're in an environment where diversifying to lower risk. We're getting the best possible return that the portfolio can provide.","start_word":1462,"end_word":1509,"sentiment":"positive","sentiment_score":0.4290350675582886},{"text":"So that's one of the reasons I've done it. Your older portfolio has returned about 11.17%. The newer portfolio has averaged 11.55%. So a little bit more growth there is always important for you. The other Yep.","start_word":1510,"end_word":1546,"sentiment":"neutral","sentiment_score":0.30153805017471313},{"text":"thing that I do like is that it saves an investment fee. So it's averaging about $71 cheaper than your current portfolio. It's only a small difference, but when you think about that compounding over the next five to ten years, that can have a greater effect on your portfolio long term there.","start_word":1547,"end_word":1599,"sentiment":"positive","sentiment_score":0.34266939759254456},{"text":"Okay? Okay. Yep. No worries. And as I as I mentioned before, we do have capital gains consequences. So to make the investments between the portfolio, I've been able to limit the capital gains consequence. Your super fund would only have to cover $543 in capital gains consequences, which is a good low amount for them to cover to make sure your portfolio is working and cheaper for you as well. Yep. Does that make sense? Do you have any questions? I'm so sorry. It can be a lot when you're not looking at the documents, but is Yeah. there anything you wanted to ask? No. Just so good at the moment.","start_word":1600,"end_word":1711,"sentiment":"neutral","sentiment_score":0.11743795964866877},{"text":"Yeah. That's okay. That's all good.","start_word":1712,"end_word":1717,"sentiment":"positive","sentiment_score":0.523780345916748},{"text":"I'm also recommending that with the beneficiary side of things that you do have the beneficiaries applied. You don't have those at the moment within your fund there. Essentially, we are recommending that you apply them to your partner. So now that you are living together, that we do add her to the beneficiary as a binding non lapsing. So in the event that something happens, as per your original wishes, that money can be paid out to her to sort of cover any expenses, cover mortgage payments, and things like that. So Yep. my team can help to have those prefilled. But at the moment, with not having any beneficiaries on file, it does leave a a bit of a gap at the risk there. But if anything happens to you, your super has to go through a probate process, and Yep. that can have big consequences or be very difficult on your family when they are trying to claim against that. So it does mean that your sleep and your life cover may disappear and not be paid to the person that you wanted to be paid to, essentially. Yeah. Okay. Yeah. Yeah. No worries. Yeah.","start_word":1718,"end_word":1915,"sentiment":"neutral","sentiment_score":0.028047652915120125},{"text":"Excellent.","start_word":1916,"end_word":1916,"sentiment":"positive","sentiment_score":0.580788254737854},{"text":"I've also made a recommendation that you do speak to a solicitor, especially now that you are living together and you do have a will and power of attorney done up. That is really important to make sure that everything that you've got is secured, that you have it directed to where you want it to be, and having a power of attorney also set up to make sure that it is covering anything that you wanted to cover. So a power of attorney actually that's the will to cover anything you want to cover, have a pay to where you want it to be, but a power of attorney essentially allows someone to make decisions for you on your behalf in the event that you're not able to make those decisions. Let's say that you're medically incapacitated and someone needs to make medical decisions in line with your wishes for you. So those Yep. are also really important documents to have done up, and they are done by a solicitor. So we do most likely to make sure we have that in there and can refer you to a solicitor to have more of an in-depth legal conversation around that for you as well. Okay? No worries. Yep.","start_word":1917,"end_word":2125,"sentiment":"neutral","sentiment_score":0.11831133531041124},{"text":"Sure. Excellent.","start_word":2126,"end_word":2127,"sentiment":"positive","sentiment_score":0.6270536184310913},{"text":"And the only other thing I have in here is the insurance side of things. We're not altering those in any way, shape, or form. We're retaining your income protection.","start_word":2128,"end_word":2157,"sentiment":"neutral","sentiment_score":0.1446690410375595},{"text":"You are happy to retain Yep.","start_word":2158,"end_word":2163,"sentiment":"positive","sentiment_score":0.4227593243122101},{"text":"that moving forward. They're not making any new recommendations around life, PPD, or trauma cover that was something you weren't interested in looking at. But down the track, if you wanna have more of a compensation or reassess those, you're absolutely welcome to let me know, and we can do that. It's not a problem. Yep. I've Sure. tried No to worries. make it as easy as possible because you'll get to go back and read the documents there. But did you have any questions? Is there anything that's come to mind currently or anything you needed me to break down a bit more for you? I'm so sorry. No. That's okay. No. That's alright. I just just Oh, wanted to get a a rough good. balance on my account as well if that's possible. Yeah. Oh, absolutely. Let me just pop in there for you. And as for the advice documents, so this is actually done off as per today's balance, and we it technically runs on the same balance because it's based on yesterday, and Okay. the balance today doesn't get updated till this afternoon. So it will work. Your balance in Super at the moment is 171,165. Okay. Cool. Yeah. No problem. And I can go back and just double check last year for you if you like just to give you a comparison. Yeah. I think it was a bit lower. Yeah. Oh, my computer's opening. It's thinking about it. There we go. Yes. Yeah. I had a hundred and sixty two thousand one hundred and thirty nine and ninety cents.","start_word":2164,"end_word":2428,"sentiment":"neutral","sentiment_score":0.12171495292546614},{"text":"So it is good. It has definitely been growing, but Yep.","start_word":2429,"end_word":2439,"sentiment":"positive","sentiment_score":0.5219779014587402},{"text":"we just wanted to remove any underperforming investments and keeping your investments realigned with your goals. And then that's also about rebalancing as well to keep you in that risk level, which is really important to do. Okay? Yep. No worries. All good. Well, look.","start_word":2440,"end_word":2484,"sentiment":"neutral","sentiment_score":0.10989055037498474},{"text":"Thank you.","start_word":2485,"end_word":2486,"sentiment":"positive","sentiment_score":0.42941784858703613},{"text":"Some of your time, I'm gonna send that to you so that it's sitting in so it sorry. It is sitting in your emails ready to read over. If you find you have any questions, please let me know. We've Yep. also got the ongoing service agreement in there because you are on an ongoing service agreement for our services. It's 1.65% per annum, and that just allows us to keep working towards your goals, monitoring and looking after your super, and updating the advice to make sure we're working towards your goals and helping you along there. I Yep. wanted to once we kind of once you're happy to take on the changes and we go through this, I wanna do a catch up with you in a few months just to track how things are going and see if we need to reassess things for you. Okay. Is there a so then would you prefer six months or twelve months? What would you prefer there, David? Probably got six. Six months. Beautiful. Yeah. Six Not months. a problem at all. Yep.","start_word":2487,"end_word":2669,"sentiment":"neutral","sentiment_score":0.11104772984981535},{"text":"Fantastic.","start_word":2670,"end_word":2670,"sentiment":"positive","sentiment_score":0.41254866123199463},{"text":"Yep.","start_word":2671,"end_word":2671,"sentiment":"neutral","sentiment_score":0.26914164423942566},{"text":"Lovely.","start_word":2672,"end_word":2672,"sentiment":"positive","sentiment_score":0.4185229539871216},{"text":"Well, I will let you go.","start_word":2673,"end_word":2678,"sentiment":"neutral","sentiment_score":0.26940521597862244},{"text":"Thank you for your time.","start_word":2679,"end_word":2683,"sentiment":"positive","sentiment_score":0.35422295331954956},{"text":"Don't work No too hard, worries. and I hope you have a good day. And let me know Will if there's this? any questions. And once you've read it over, if you sign and return it back, we'll be able to go to the implementation and have everything updated for you. Yep. No worries. Thank you very No worries. much.","start_word":2684,"end_word":2743,"sentiment":"neutral","sentiment_score":0.16331471502780914},{"text":"Thank you so much. I hope you have a good day.","start_word":2744,"end_word":2754,"sentiment":"positive","sentiment_score":0.5472477674484253},{"text":"No worries.","start_word":2755,"end_word":2756,"sentiment":"neutral","sentiment_score":0.11861823499202728},{"text":"Have a good day too. Thanks. You too. Alright. Thanks No worries. for your time. See you Cheers.","start_word":2757,"end_word":2774,"sentiment":"positive","sentiment_score":0.6139476299285889},{"text":"later. No worries. Bye. Bye. Bye bye.","start_word":2775,"end_word":2781,"sentiment":"neutral","sentiment_score":0.19080284237861633}],"average":{"sentiment":"neutral","sentiment_score":0.16004884894167998}}}}