{"metadata":{"transaction_key":"deprecated","request_id":"019dd73c-c489-7cc1-9966-9f954586cff2","sha256":"c08b10ecd1587a69c16d599ba28abfb29c16bbfff905c5a13b1c523245c65d1e","created":"2026-04-29T03:16:19.414Z","duration":740.44794,"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":2882,"output_tokens":129},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3281,"output_tokens":3288},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3281,"output_tokens":72}},"results":{"channels":[{"alternatives":[{"transcript":"Good day, John. It's Tommy here, senior adviser from Oakview. How are you going? Doing fantastic. Just giving you a call to go through that updated advice document with you. Amazing. I'm going to pop it through to your email if you can have a look onto it with me. Just double checking first that you're okay for the call to be recorded. Cool. And just for the usual security process for your information, could you please confirm your date of birth and residential address, sir? Thank you so much for that, John. And I'm registered with ASIC as adviser 1273105. Mate, I've got your BigPond email address ready to go if that's okay. I've got a BigPond email address, and I was gonna pop the documents through to that one if that's still okay. Cool. Will you be able to look on to that advice document with me, or should I just kind of walk you through it and let you have a read in your own time? Yeah. That's totally fine. This one's pretty straightforward, so there isn't anything too crazy. I am just gonna kind of explain a couple of key sections in the document as well just so that when you do have a look at it, you can sort of pull your eyes to the main areas as well, if that's alright. Awesome. Awesome. That's totally fine. No worries. No worries. So key areas that you'll see in there towards the start will be a scope of advice about what we are and aren't covering in this particular document. So based on our updated discussion a couple of weeks ago, we were just refining everything back down to a portfolio update for your super, getting the investment options updated. We put in there a bit of a reminder about the estate planning to get a will and power of attorney in place. And outside of that, we've put out of scopes. What we're not giving a recommendation on is, like, cash flow and budgeting because you're already looking after your, like, renovations, car purchase, and building up your savings for an emergency buffer. So that's obviously nothing that we're giving advice on, but you're managing that yourself. Yep. I've excluded investment advice because there was a a potential that Carl talked to you about about investing some of the cash, but, really, you and I basically agreed that all the cash should be kept there for those reasons instead. Yep. With the insurance side of things, you've got a really good net asset position, so we're not giving any insurance advice as well. Cool. Now what you'll see is your main details on page six and seven, which just has, like, your income, phone number, email address, and so on, as well as your assets and liabilities, your home, holiday house, cars, savings, and your current hub 24 super listed there. If you recall, we're keeping you at that growth risk profile for the time being. The main idea, of course, being grow your super now, and then in a couple years' time, as you get closer to retirement, we'll start to protect it more and more and reduce the risk level. Okay? In terms of recommendations, it's a really straightforward one. All of the portfolio is looking really good, and I didn't wanna play around with too many of the options. It was just that Benelon option that wasn't doing too well that I've switched out for you. It's been replaced by a like for like active option called Alfiniti. And, basically, the pros and cons between the two, Alfiniti is a little bit more affordable. It's about 10% cheaper on investment fees, and it's outperformed the Benelong option over one, three, five, and ten years. Pretty much every single time period, it's had an outperformance. Now with the active side of things, its main objective is to try and outperform the Australian stock market, which it has been doing over those time periods as well. The rest of your portfolio as it currently stands at all, just low fee ETFs, and they've all had really strong performance. So it's gonna still be a mix between mainly low fee options and a little bit on the active side. The way I kind of explained it last call was it's like your your satellite options like your sled dog pulls you along a little bit quicker, but we're not putting all your money in that one because we don't want your super going up and down 80% in a single year. Yep. It'll have an investment table just showing you that once we sell off that option, we're gonna redistribute that into the new one, like for like as a sideways switch. Everything else, there's just a little bit of cash that's come in from your contribution, so we're gonna get that invested as well. Just keep it at that minimum. Your asset allocation stays basically the same. Growth allocation for your risk profile was about 80% in shares, property, gold, those growth assets. You're sitting at 81% at the moment. I think the recommended is looking at 81.76. So maintaining pretty much the same level of of growth assets. K. You still have about 20% in the safer side, like fixed interest and cash, and there'll be a little fee comparison table just showing you the difference in performance and fees. And because we're selling off the bet along option, there's no capital gains tax fee of Super to pay under the hood. K? The only drawback is whenever you buy any of these options, there's a little bit of, like, brokerage fees to purchase those ETFs, which we've factored in. And then there's also that managed fund, which just has a small buy spread on it. It's usually about zero point 03%. Okay? It's got the twelve month and three year performance figures in there, so we're looking at going from 810% to seventeen and fourteen. So just fixing up that one option has had a huge, huge impact on the overall performance. K? Any questions on that so far? How's that sounding? Cool. Again, will and power of attorney in there. I can't put that in place for you. But, again, if you want to go to a solicitor, public trustee of the state, or post office will get, power of attorney kit, there's a few options there for you. Advisor service fees have all been included in the projections, which we've gone out to ten years. And because you're getting closer to retirement once we get below ten years, we're gonna start showing you retirement projections, how long the funds actually last through retirement, which will probably be in a couple of years' time. K? There's a little bit of an implementation table at the bottom, which is basically everything starts with your consent, John. So once you're happy with this, you can give that a sign. Once that comes through signed, we will jump on to Hub 24, and we can place the trade orders to switch the investments. And that's pretty much it, mate. We'll capture it in the reviews. We'll always ask you if you've put that in place at the annual review stage. If you do put that in place and you wanna give us a call to update us, that would be fantastic, but we will always ask the question at least every twelve months. Okay? If you have any trouble with it, you can give us a call. I'm happy to sort of chat you through it. Yeah. If you don't mind me asking, you obviously don't have any, like, dependent children under the age of 18 to to worry too much about. It doesn't look too complex of a situation. Like, it's really just a couple of properties, some cars, some savings, that kind of thing. Anything that you're sort of worried about, or is it pretty straightforward just get something in writing? And, look, if you're wanting it to kind of filter down where it goes, you put in place wills for a trade of assets between you guys and then filters down to your son afterwards, like, that's okay. The only reminder I would give you is just make sure you also check for that power of attorney so that someone can do the bank accounts, talk to the doctors if you can't act on your own behalf and you're still alive. And, look, if you wanna go to a solicitor for the will, but do a little power of attorney kit from the post office for $25, whatever kinda works for you guys, but I would just remind to get both. Easy done. Easy done. I don't believe there was anything else that we were gonna catch up on in a few months' time. I was just having a quick look through my notes there. We're not doing any carry forward contributions or anything like that. We factored in all the existing contributions as well, like the salary sacrifice, which you're good to keep doing. So I don't think there's anything there. We would pretty much have a chat to you around the time of your updated review and service agreement. Is there anything you want me to kind of pencil in between now and Christmas time? Cool. Alright. Well, that'll probably we'll probably have a chat to you before Christmas anyway for that updated review, let you know how the portfolio is trucking along and see how you went with the will. But if anything pops up in between, may please just send us an email, call, or text. Alrighty. And if you have any trouble with that Odoo sign document, just call through to Sam and the team, and they can walk you through it. It's usually pretty straightforward. You can do, like, a drawn signature. You can just let it stamp it on there. And because we're not doing any, like, specific applications with a provider, we don't mind which method you use for the site. Yeah. So when you go through the the Odoo email it sends you, it has a couple of attachments. Yeah. Just like your review pack, it's got attachments on there for, like, your product disclosure documents, but there'll be a link in there to do the signing. Once you do that, it'll automatically email us, but it'll give you a button to download a signed copy if you wanna do that for your records. Alright, John. Appreciate that, mate. Any questions for me before I let you go, sir? Yeah. Fingers crossed we're on the up and up in a month's time. If not, more than happy to revisit things if the world still stays on fire. But, again, we're looking at that ten year view. We're gonna get a pretty good outcome over three and five years. I'm gonna be keeping a pretty close eye on how long this lasts. If it's a few months, buying opportunity. If it goes on for eighteen months like the GFC did, that will be a bit more serious, and we may have to revisit a few things. Awesome, mate. I will leave you with it, and thank you so much for your time. Thanks, John. 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It's Tommy here, senior adviser from Oakview. How are you going? Doing fantastic. Just giving you a call to go through that updated advice document with you.\n\nAmazing. I'm going to pop it through to your email if you can have a look onto it with me. Just double checking first that you're okay for the call to be recorded. Cool. And just for the usual security process for your information, could you please confirm your date of birth and residential address, sir?\n\nThank you so much for that, John. And I'm registered with ASIC as adviser 1273105. Mate, I've got your BigPond email address ready to go if that's okay. I've got a BigPond email address, and I was gonna pop the documents through to that one if that's still okay. Cool.\n\nWill you be able to look on to that advice document with me, or should I just kind of walk you through it and let you have a read in your own time? Yeah. That's totally fine. This one's pretty straightforward, so there isn't anything too crazy. I am just gonna kind of explain a couple of key sections in the document as well just so that when you do have a look at it, you can sort of pull your eyes to the main areas as well, if that's alright.\n\nAwesome. Awesome. That's totally fine. No worries. No worries.\n\nSo key areas that you'll see in there towards the start will be a scope of advice about what we are and aren't covering in this particular document. So based on our updated discussion a couple of weeks ago, we were just refining everything back down to a portfolio update for your super, getting the investment options updated. We put in there a bit of a reminder about the estate planning to get a will and power of attorney in place. And outside of that, we've put out of scopes. What we're not giving a recommendation on is, like, cash flow and budgeting because you're already looking after your, like, renovations, car purchase, and building up your savings for an emergency buffer.\n\nSo that's obviously nothing that we're giving advice on, but you're managing that yourself. Yep. I've excluded investment advice because there was a a potential that Carl talked to you about about investing some of the cash, but, really, you and I basically agreed that all the cash should be kept there for those reasons instead. Yep. With the insurance side of things, you've got a really good net asset position, so we're not giving any insurance advice as well.\n\nCool. Now what you'll see is your main details on page six and seven, which just has, like, your income, phone number, email address, and so on, as well as your assets and liabilities, your home, holiday house, cars, savings, and your current hub 24 super listed there. If you recall, we're keeping you at that growth risk profile for the time being. The main idea, of course, being grow your super now, and then in a couple years' time, as you get closer to retirement, we'll start to protect it more and more and reduce the risk level. Okay?\n\nIn terms of recommendations, it's a really straightforward one. All of the portfolio is looking really good, and I didn't wanna play around with too many of the options. It was just that Benelon option that wasn't doing too well that I've switched out for you. It's been replaced by a like for like active option called Alfiniti. And, basically, the pros and cons between the two, Alfiniti is a little bit more affordable.\n\nIt's about 10% cheaper on investment fees, and it's outperformed the Benelong option over one, three, five, and ten years. Pretty much every single time period, it's had an outperformance. Now with the active side of things, its main objective is to try and outperform the Australian stock market, which it has been doing over those time periods as well. The rest of your portfolio as it currently stands at all, just low fee ETFs, and they've all had really strong performance. So it's gonna still be a mix between mainly low fee options and a little bit on the active side.\n\nThe way I kind of explained it last call was it's like your your satellite options like your sled dog pulls you along a little bit quicker, but we're not putting all your money in that one because we don't want your super going up and down 80% in a single year. Yep. It'll have an investment table just showing you that once we sell off that option, we're gonna redistribute that into the new one, like for like as a sideways switch. Everything else, there's just a little bit of cash that's come in from your contribution, so we're gonna get that invested as well. Just keep it at that minimum.\n\nYour asset allocation stays basically the same. Growth allocation for your risk profile was about 80% in shares, property, gold, those growth assets. You're sitting at 81% at the moment. I think the recommended is looking at 81.76. So maintaining pretty much the same level of of growth assets.\n\nK. You still have about 20% in the safer side, like fixed interest and cash, and there'll be a little fee comparison table just showing you the difference in performance and fees. And because we're selling off the bet along option, there's no capital gains tax fee of Super to pay under the hood. K? The only drawback is whenever you buy any of these options, there's a little bit of, like, brokerage fees to purchase those ETFs, which we've factored in.\n\nAnd then there's also that managed fund, which just has a small buy spread on it. It's usually about zero point 03%. Okay? It's got the twelve month and three year performance figures in there, so we're looking at going from 810% to seventeen and fourteen. So just fixing up that one option has had a huge, huge impact on the overall performance.\n\nK? Any questions on that so far? How's that sounding? Cool. Again, will and power of attorney in there.\n\nI can't put that in place for you. But, again, if you want to go to a solicitor, public trustee of the state, or post office will get, power of attorney kit, there's a few options there for you. Advisor service fees have all been included in the projections, which we've gone out to ten years. And because you're getting closer to retirement once we get below ten years, we're gonna start showing you retirement projections, how long the funds actually last through retirement, which will probably be in a couple of years' time. K?\n\nThere's a little bit of an implementation table at the bottom, which is basically everything starts with your consent, John. So once you're happy with this, you can give that a sign. Once that comes through signed, we will jump on to Hub 24, and we can place the trade orders to switch the investments. And that's pretty much it, mate. We'll capture it in the reviews.\n\nWe'll always ask you if you've put that in place at the annual review stage. If you do put that in place and you wanna give us a call to update us, that would be fantastic, but we will always ask the question at least every twelve months. Okay? If you have any trouble with it, you can give us a call. I'm happy to sort of chat you through it.\n\nYeah. If you don't mind me asking, you obviously don't have any, like, dependent children under the age of 18 to to worry too much about. It doesn't look too complex of a situation. Like, it's really just a couple of properties, some cars, some savings, that kind of thing. Anything that you're sort of worried about, or is it pretty straightforward just get something in writing?\n\nAnd, look, if you're wanting it to kind of filter down where it goes, you put in place wills for a trade of assets between you guys and then filters down to your son afterwards, like, that's okay. The only reminder I would give you is just make sure you also check for that power of attorney so that someone can do the bank accounts, talk to the doctors if you can't act on your own behalf and you're still alive. And, look, if you wanna go to a solicitor for the will, but do a little power of attorney kit from the post office for $25, whatever kinda works for you guys, but I would just remind to get both. Easy done. Easy done.\n\nI don't believe there was anything else that we were gonna catch up on in a few months' time. I was just having a quick look through my notes there. We're not doing any carry forward contributions or anything like that. We factored in all the existing contributions as well, like the salary sacrifice, which you're good to keep doing. So I don't think there's anything there.\n\nWe would pretty much have a chat to you around the time of your updated review and service agreement. Is there anything you want me to kind of pencil in between now and Christmas time? Cool. Alright. Well, that'll probably we'll probably have a chat to you before Christmas anyway for that updated review, let you know how the portfolio is trucking along and see how you went with the will.\n\nBut if anything pops up in between, may please just send us an email, call, or text. Alrighty. And if you have any trouble with that Odoo sign document, just call through to Sam and the team, and they can walk you through it. It's usually pretty straightforward. You can do, like, a drawn signature.\n\nYou can just let it stamp it on there. And because we're not doing any, like, specific applications with a provider, we don't mind which method you use for the site. Yeah. So when you go through the the Odoo email it sends you, it has a couple of attachments. Yeah.\n\nJust like your review pack, it's got attachments on there for, like, your product disclosure documents, but there'll be a link in there to do the signing. Once you do that, it'll automatically email us, but it'll give you a button to download a signed copy if you wanna do that for your records. Alright, John. Appreciate that, mate. Any questions for me before I let you go, sir?\n\nYeah. Fingers crossed we're on the up and up in a month's time. If not, more than happy to revisit things if the world still stays on fire. But, again, we're looking at that ten year view. We're gonna get a pretty good outcome over three and five years.\n\nI'm gonna be keeping a pretty close eye on how long this lasts. If it's a few months, buying opportunity. If it goes on for eighteen months like the GFC did, that will be a bit more serious, and we may have to revisit a few things. Awesome, mate. I will leave you with it, and thank you so much for your time.\n\nThanks, John. Bye.","paragraphs":[{"sentences":[{"text":"Good day, John.","start":2.8,"end":3.52,"sentiment":"neutral","sentiment_score":0.24748857816060385},{"text":"It's Tommy here, senior adviser from Oakview.","start":3.52,"end":5.68,"sentiment":"neutral","sentiment_score":0.18015765718051366},{"text":"How are you going?","start":5.68,"end":6.58,"sentiment":"neutral","sentiment_score":0.17364638298749924},{"text":"Doing fantastic.","start":8.32,"end":9.22,"sentiment":"positive","sentiment_score":0.8048566579818726},{"text":"Just giving you a call to go through that updated advice document with you.","start":9.5199995,"end":13.005,"sentiment":"positive","sentiment_score":0.5093623059136527}],"sentiment":"positive","sentiment_score":0.3812980155150096,"num_words":30,"start":2.8,"end":13.005},{"sentences":[{"text":"Amazing.","start":14.605,"end":15.105,"sentiment":"positive","sentiment_score":0.6123082041740417},{"text":"I'm going to pop it through to your email if you can have a look onto it with me.","start":15.325,"end":19.665,"sentiment":"positive","sentiment_score":0.3686202215520959},{"text":"Just double checking first that you're okay for the call to be recorded.","start":20.525,"end":23.505001,"sentiment":"neutral","sentiment_score":0.23104405288512891},{"text":"Cool.","start":25.82,"end":26.220001,"sentiment":"neutral","sentiment_score":0.26589465141296387},{"text":"And just for the usual security process for your information, could you please confirm your date of birth and residential address, sir?","start":26.220001,"end":33.92,"sentiment":"neutral","sentiment_score":0.09649804877963933}],"sentiment":"neutral","sentiment_score":0.23229494331670658,"num_words":56,"start":14.605,"end":33.92},{"sentences":[{"text":"Thank you so much for that, John.","start":38.635,"end":39.995,"sentiment":"positive","sentiment_score":0.5549010847296033},{"text":"And I'm registered with ASIC as adviser 1273105.","start":39.995,"end":44.815,"sentiment":"neutral","sentiment_score":0.3045151438564062},{"text":"Mate, I've got your BigPond email address ready to go if that's okay.","start":45.035,"end":49.614998,"sentiment":"neutral","sentiment_score":0.09968994787106147},{"text":"I've got a BigPond email address, and I was gonna pop the documents through to that one if that's still okay.","start":52.050003,"end":58.31,"sentiment":"neutral","sentiment_score":0.03768593445420265},{"text":"Cool.","start":59.81,"end":60.29,"sentiment":"neutral","sentiment_score":0.2209453284740448}],"sentiment":"neutral","sentiment_score":0.17257496036589146,"num_words":50,"start":38.635,"end":60.29},{"sentences":[{"text":"Will you be able to look on to that advice document with me, or should I just kind of walk you through it and let you have a read in your own time?","start":60.29,"end":67.895,"sentiment":"neutral","sentiment_score":0.14304254068569702},{"text":"Yeah.","start":74.354996,"end":74.515,"sentiment":"neutral","sentiment_score":0.1397283524274826},{"text":"That's totally fine.","start":74.515,"end":75.395,"sentiment":"neutral","sentiment_score":0.22631401320298514},{"text":"This one's pretty straightforward, so there isn't anything too crazy.","start":75.395,"end":79.17,"sentiment":"neutral","sentiment_score":0.2848369687795639},{"text":"I am just gonna kind of explain a couple of key sections in the document as well just so that when you do have a look at it, you can sort of pull your eyes to the main areas as well, if that's alright.","start":79.549995,"end":90.28999,"sentiment":"neutral","sentiment_score":0.18654535812410442}],"sentiment":"neutral","sentiment_score":0.1823674690101173,"num_words":91,"start":60.29,"end":90.28999},{"sentences":[{"text":"Awesome.","start":94.875,"end":95.195,"sentiment":"positive","sentiment_score":0.42949622869491577},{"text":"Awesome.","start":95.195,"end":95.695,"sentiment":"positive","sentiment_score":0.4421773552894592},{"text":"That's totally fine.","start":102.65,"end":103.950005,"sentiment":"neutral","sentiment_score":0.10998932272195816},{"text":"No worries.","start":105.29,"end":105.770004,"sentiment":"neutral","sentiment_score":0.04764638468623161},{"text":"No worries.","start":105.770004,"end":106.33,"sentiment":"neutral","sentiment_score":0.12745533883571625}],"sentiment":"neutral","sentiment_score":0.1724272221326828,"num_words":9,"start":94.875,"end":106.33},{"sentences":[{"text":"So key areas that you'll see in there towards the start will be a scope of advice about what we are and aren't covering in this particular document.","start":106.33,"end":114.43,"sentiment":"neutral","sentiment_score":0.07369333113144551},{"text":"So based on our updated discussion a couple of weeks ago, we were just refining everything back down to a portfolio update for your super, getting the investment options updated.","start":115.555,"end":126.855,"sentiment":"neutral","sentiment_score":0.13120166324079036},{"text":"We put in there a bit of a reminder about the estate planning to get a will and power of attorney in place.","start":128.07,"end":133.85,"sentiment":"neutral","sentiment_score":0.05186164686861246},{"text":"And outside of that, we've put out of scopes.","start":135.43,"end":137.75,"sentiment":"neutral","sentiment_score":-0.1829388207859463},{"text":"What we're not giving a recommendation on is, like, cash flow and budgeting because you're already looking after your, like, renovations, car purchase, and building up your savings for an emergency buffer.","start":137.75,"end":150.295,"sentiment":"negative","sentiment_score":-0.35249948780983686}],"sentiment":"neutral","sentiment_score":-0.04700124549267233,"num_words":122,"start":106.33,"end":150.295},{"sentences":[{"text":"So that's obviously nothing that we're giving advice on, but you're managing that yourself.","start":150.355,"end":154.53499,"sentiment":"neutral","sentiment_score":-0.17986037049974715},{"text":"Yep.","start":156.09,"end":156.59,"sentiment":"neutral","sentiment_score":0.0333433635532856},{"text":"I've excluded investment advice because there was a a potential that Carl talked to you about about investing some of the cash, but, really, you and I basically agreed that all the cash should be kept there for those reasons instead.","start":157.53,"end":170.865,"sentiment":"neutral","sentiment_score":-0.11084223229710649},{"text":"Yep.","start":173.245,"end":173.745,"sentiment":"neutral","sentiment_score":0.1964451968669891},{"text":"With the insurance side of things, you've got a really good net asset position, so we're not giving any insurance advice as well.","start":174.365,"end":180.705,"sentiment":"neutral","sentiment_score":0.18527532142141592}],"sentiment":"neutral","sentiment_score":-0.03214319697581232,"num_words":80,"start":150.355,"end":180.705},{"sentences":[{"text":"Cool.","start":182.54001,"end":183.04001,"sentiment":"positive","sentiment_score":0.43583834171295166},{"text":"Now what you'll see is your main details on page six and seven, which just has, like, your income, phone number, email address, and so on, as well as your assets and liabilities, your home, holiday house, cars, savings, and your current hub 24 super listed there.","start":183.18001,"end":199.955,"sentiment":"neutral","sentiment_score":0.19740468866013466},{"text":"If you recall, we're keeping you at that growth risk profile for the time being.","start":200.015,"end":204.355,"sentiment":"neutral","sentiment_score":0.1317561293641726},{"text":"The main idea, of course, being grow your super now, and then in a couple years' time, as you get closer to retirement, we'll start to protect it more and more and reduce the risk level.","start":204.655,"end":213.79999,"sentiment":"neutral","sentiment_score":0.29417222489913303},{"text":"Okay?","start":215.78,"end":216.28,"sentiment":"neutral","sentiment_score":0.20935013890266416}],"sentiment":"neutral","sentiment_score":0.22489750884473325,"num_words":100,"start":182.54001,"end":216.28},{"sentences":[{"text":"In terms of recommendations, it's a really straightforward one.","start":216.81999,"end":220.12,"sentiment":"neutral","sentiment_score":0.2621709168371227},{"text":"All of the portfolio is looking really good, and I didn't wanna play around with too many of the options.","start":221.22,"end":226.71501,"sentiment":"neutral","sentiment_score":0.24025785513222217},{"text":"It was just that Benelon option that wasn't doing too well that I've switched out for you.","start":226.71501,"end":231.13501,"sentiment":"neutral","sentiment_score":-0.17118106650955536},{"text":"It's been replaced by a like for like active option called Alfiniti.","start":232.71501,"end":237.295,"sentiment":"neutral","sentiment_score":0.08581974885116021},{"text":"And, basically, the pros and cons between the two, Alfiniti is a little bit more affordable.","start":238.09,"end":242.75,"sentiment":"neutral","sentiment_score":0.28174375277012587}],"sentiment":"neutral","sentiment_score":0.13232911154124383,"num_words":74,"start":216.81999,"end":242.75},{"sentences":[{"text":"It's about 10% cheaper on investment fees, and it's outperformed the Benelong option over one, three, five, and ten years.","start":242.89,"end":252.27,"sentiment":"positive","sentiment_score":0.44666488468647003},{"text":"Pretty much every single time period, it's had an outperformance.","start":252.485,"end":255.465,"sentiment":"positive","sentiment_score":0.4952109754085541},{"text":"Now with the active side of things, its main objective is to try and outperform the Australian stock market, which it has been doing over those time periods as well.","start":257.76498,"end":268.6,"sentiment":"neutral","sentiment_score":0.29533910701672234},{"text":"The rest of your portfolio as it currently stands at all, just low fee ETFs, and they've all had really strong performance.","start":268.82,"end":275.24,"sentiment":"neutral","sentiment_score":0.15252545916221358},{"text":"So it's gonna still be a mix between mainly low fee options and a little bit on the active side.","start":275.46,"end":281.08002,"sentiment":"neutral","sentiment_score":0.11612976230680942}],"sentiment":"neutral","sentiment_score":0.27866407849040686,"num_words":102,"start":242.89,"end":281.08002},{"sentences":[{"text":"The way I kind of explained it last call was it's like your your satellite options like your sled dog pulls you along a little bit quicker, but we're not putting all your money in that one because we don't want your super going up and down 80% in a single year.","start":281.915,"end":295.32,"sentiment":"neutral","sentiment_score":-0.02767645470941296},{"text":"Yep.","start":296.76,"end":297.26,"sentiment":"neutral","sentiment_score":0.06808529794216156},{"text":"It'll have an investment table just showing you that once we sell off that option, we're gonna redistribute that into the new one, like for like as a sideways switch.","start":297.88,"end":306.78,"sentiment":"neutral","sentiment_score":0.0999720461666584},{"text":"Everything else, there's just a little bit of cash that's come in from your contribution, so we're gonna get that invested as well.","start":307.16,"end":312.495,"sentiment":"neutral","sentiment_score":0.13811947437732117},{"text":"Just keep it at that minimum.","start":313.83502,"end":315.295,"sentiment":"neutral","sentiment_score":0.10908886666099231}],"sentiment":"neutral","sentiment_score":0.04874421561336411,"num_words":112,"start":281.915,"end":315.295},{"sentences":[{"text":"Your asset allocation stays basically the same.","start":315.755,"end":318.17502,"sentiment":"neutral","sentiment_score":0.15179361828735896},{"text":"Growth allocation for your risk profile was about 80% in shares, property, gold, those growth assets.","start":318.23502,"end":325.135,"sentiment":"neutral","sentiment_score":0.11364860739558935},{"text":"You're sitting at 81% at the moment.","start":325.69998,"end":328.44,"sentiment":"neutral","sentiment_score":0.12201956553118569},{"text":"I think the recommended is looking at 81.76.","start":328.66,"end":332.04,"sentiment":"neutral","sentiment_score":0.10160537343472242},{"text":"So maintaining pretty much the same level of of growth assets.","start":332.1,"end":335.56,"sentiment":"neutral","sentiment_score":0.15784001418135382}],"sentiment":"neutral","sentiment_score":0.12824802343942682,"num_words":49,"start":315.755,"end":335.56},{"sentences":[{"text":"K.","start":337.54,"end":337.965,"sentiment":"neutral","sentiment_score":0.15112140774726868},{"text":"You still have about 20% in the safer side, like fixed interest and cash, and there'll be a little fee comparison table just showing you the difference in performance and fees.","start":337.965,"end":347.025,"sentiment":"neutral","sentiment_score":0.28880158883910023},{"text":"And because we're selling off the bet along option, there's no capital gains tax fee of Super to pay under the hood.","start":347.645,"end":354.59998,"sentiment":"neutral","sentiment_score":0.25212037427858874},{"text":"K?","start":356.09998,"end":356.34,"sentiment":"neutral","sentiment_score":0.044851627200841904},{"text":"The only drawback is whenever you buy any of these options, there's a little bit of, like, brokerage fees to purchase those ETFs, which we've factored in.","start":356.34,"end":364.91998,"sentiment":"neutral","sentiment_score":-0.10777989195452796}],"sentiment":"neutral","sentiment_score":0.1437245541502063,"num_words":82,"start":337.54,"end":364.91998},{"sentences":[{"text":"And then there's also that managed fund, which just has a small buy spread on it.","start":365.07498,"end":369.235,"sentiment":"neutral","sentiment_score":-0.01938499615062028},{"text":"It's usually about zero point 03%.","start":369.235,"end":371.655,"sentiment":"neutral","sentiment_score":0.024568940202395122},{"text":"Okay?","start":372.195,"end":372.695,"sentiment":"neutral","sentiment_score":0.082281693816185},{"text":"It's got the twelve month and three year performance figures in there, so we're looking at going from 810% to seventeen and fourteen.","start":374.195,"end":381.32,"sentiment":"neutral","sentiment_score":0.25180743634700775},{"text":"So just fixing up that one option has had a huge, huge impact on the overall performance.","start":381.86002,"end":387.32,"sentiment":"neutral","sentiment_score":0.33073100272346945}],"sentiment":"neutral","sentiment_score":0.17989735680794905,"num_words":63,"start":365.07498,"end":387.32},{"sentences":[{"text":"K?","start":389.22,"end":389.72,"sentiment":"neutral","sentiment_score":0.04951823502779007},{"text":"Any questions on that so far?","start":389.78,"end":391.14,"sentiment":"neutral","sentiment_score":0.06408171790341537},{"text":"How's that sounding?","start":391.14,"end":392.12,"sentiment":"neutral","sentiment_score":0.08824142813682556},{"text":"Cool.","start":397.005,"end":397.505,"sentiment":"positive","sentiment_score":0.4656674265861511},{"text":"Again, will and power of attorney in there.","start":398.04498,"end":399.885,"sentiment":"neutral","sentiment_score":0.1337910331785679}],"sentiment":"neutral","sentiment_score":0.11761729046702385,"num_words":19,"start":389.22,"end":399.885},{"sentences":[{"text":"I can't put that in place for you.","start":399.885,"end":402.125,"sentiment":"neutral","sentiment_score":0.06370207713916898},{"text":"But, again, if you want to go to a solicitor, public trustee of the state, or post office will get, power of attorney kit, there's a few options there for you.","start":402.125,"end":411.85,"sentiment":"neutral","sentiment_score":0.09634455701997204},{"text":"Advisor service fees have all been included in the projections, which we've gone out to ten years.","start":414.39,"end":418.89,"sentiment":"neutral","sentiment_score":0.11045524171170067},{"text":"And because you're getting closer to retirement once we get below ten years, we're gonna start showing you retirement projections, how long the funds actually last through retirement, which will probably be in a couple of years' time.","start":419.35498,"end":431.73,"sentiment":"neutral","sentiment_score":0.0666987920474065},{"text":"K?","start":433.49002,"end":433.99002,"sentiment":"neutral","sentiment_score":0.05813140422105789}],"sentiment":"neutral","sentiment_score":0.08386023679846212,"num_words":95,"start":399.885,"end":433.99002},{"sentences":[{"text":"There's a little bit of an implementation table at the bottom, which is basically everything starts with your consent, John.","start":434.29,"end":440.29,"sentiment":"neutral","sentiment_score":0.11480675488710404},{"text":"So once you're happy with this, you can give that a sign.","start":440.29,"end":442.79,"sentiment":"neutral","sentiment_score":0.22756109914431968},{"text":"Once that comes through signed, we will jump on to Hub 24, and we can place the trade orders to switch the investments.","start":442.85,"end":449.565,"sentiment":"neutral","sentiment_score":0.11804117424332577},{"text":"And that's pretty much it, mate.","start":451.785,"end":453.72498,"sentiment":"neutral","sentiment_score":0.2784462310373783},{"text":"We'll capture it in the reviews.","start":461.48,"end":463.26,"sentiment":"neutral","sentiment_score":0.1278372953335444}],"sentiment":"neutral","sentiment_score":0.1519330813924768,"num_words":67,"start":434.29,"end":463.26},{"sentences":[{"text":"We'll always ask you if you've put that in place at the annual review stage.","start":463.32,"end":466.6,"sentiment":"neutral","sentiment_score":0.1417739619811376},{"text":"If you do put that in place and you wanna give us a call to update us, that would be fantastic, but we will always ask the question at least every twelve months.","start":466.6,"end":474.185,"sentiment":"neutral","sentiment_score":0.2655703274138046},{"text":"Okay?","start":476.16498,"end":476.66498,"sentiment":"neutral","sentiment_score":0.1112450435757637},{"text":"If you have any trouble with it, you can give us a call.","start":477.285,"end":479.925,"sentiment":"neutral","sentiment_score":0.21006550926428574},{"text":"I'm happy to sort of chat you through it.","start":479.925,"end":481.785,"sentiment":"positive","sentiment_score":0.6402369803852506}],"sentiment":"neutral","sentiment_score":0.2745726721387514,"num_words":71,"start":463.32,"end":481.785},{"sentences":[{"text":"Yeah.","start":491.38,"end":491.88,"sentiment":"neutral","sentiment_score":0.04360120743513107},{"text":"If you don't mind me asking, you obviously don't have any, like, dependent children under the age of 18 to to worry too much about.","start":491.94,"end":499.745,"sentiment":"neutral","sentiment_score":-0.12448473662137985},{"text":"It doesn't look too complex of a situation.","start":500.04498,"end":502.225,"sentiment":"neutral","sentiment_score":-0.09446304384618998},{"text":"Like, it's really just a couple of properties, some cars, some savings, that kind of thing.","start":502.285,"end":507.185,"sentiment":"neutral","sentiment_score":-0.021175307570956647},{"text":"Anything that you're sort of worried about, or is it pretty straightforward just get something in writing?","start":507.805,"end":512.225,"sentiment":"neutral","sentiment_score":-0.018876095466754016}],"sentiment":"neutral","sentiment_score":-0.06692418064088074,"num_words":67,"start":491.38,"end":512.225},{"sentences":[{"text":"And, look, if you're wanting it to kind of filter down where it goes, you put in place wills for a trade of assets between you guys and then filters down to your son afterwards, like, that's okay.","start":525.865,"end":536.84503,"sentiment":"neutral","sentiment_score":0.12114880371250604},{"text":"The only reminder I would give you is just make sure you also check for that power of attorney so that someone can do the bank accounts, talk to the doctors if you can't act on your own behalf and you're still alive.","start":537.06995,"end":548.85,"sentiment":"neutral","sentiment_score":0.037216387407550976},{"text":"And, look, if you wanna go to a solicitor for the will, but do a little power of attorney kit from the post office for $25, whatever kinda works for you guys, but I would just remind to get both.","start":550.26495,"end":561.725,"sentiment":"neutral","sentiment_score":0.11222496163100004},{"text":"Easy done.","start":570.45,"end":571.09,"sentiment":"positive","sentiment_score":0.5952581465244293},{"text":"Easy done.","start":571.09,"end":571.99,"sentiment":"positive","sentiment_score":0.5999351739883423}],"sentiment":"neutral","sentiment_score":0.10466675444692373,"num_words":125,"start":525.865,"end":571.99},{"sentences":[{"text":"I don't believe there was anything else that we were gonna catch up on in a few months' time.","start":572.61,"end":576.735,"sentiment":"neutral","sentiment_score":-0.08942434132883423},{"text":"I was just having a quick look through my notes there.","start":576.735,"end":579.475,"sentiment":"neutral","sentiment_score":-0.038759885863824325},{"text":"We're not doing any carry forward contributions or anything like that.","start":579.775,"end":583.395,"sentiment":"neutral","sentiment_score":-0.2575792954726653},{"text":"We factored in all the existing contributions as well, like the salary sacrifice, which you're good to keep doing.","start":583.695,"end":589.95,"sentiment":"neutral","sentiment_score":-0.009339609232388045},{"text":"So I don't think there's anything there.","start":591.71,"end":593.07,"sentiment":"neutral","sentiment_score":-0.11675403586455754}],"sentiment":"neutral","sentiment_score":-0.08885857173755987,"num_words":67,"start":572.61,"end":593.07},{"sentences":[{"text":"We would pretty much have a chat to you around the time of your updated review and service agreement.","start":593.07,"end":599.57,"sentiment":"neutral","sentiment_score":-0.0029873048004351163},{"text":"Is there anything you want me to kind of pencil in between now and Christmas time?","start":599.87,"end":604.385,"sentiment":"neutral","sentiment_score":-0.057284045265987515},{"text":"Cool.","start":609.005,"end":609.505,"sentiment":"neutral","sentiment_score":0.19393709301948547},{"text":"Alright.","start":609.645,"end":610.125,"sentiment":"neutral","sentiment_score":0.17993472516536713},{"text":"Well, that'll probably we'll probably have a chat to you before Christmas anyway for that updated review, let you know how the portfolio is trucking along and see how you went with the will.","start":610.125,"end":618.0,"sentiment":"neutral","sentiment_score":0.18766915973495035}],"sentiment":"neutral","sentiment_score":0.08142703850294503,"num_words":71,"start":593.07,"end":618.0},{"sentences":[{"text":"But if anything pops up in between, may please just send us an email, call, or text.","start":618.08,"end":622.5,"sentiment":"neutral","sentiment_score":0.08564468582763392},{"text":"Alrighty.","start":625.12,"end":625.52,"sentiment":"positive","sentiment_score":0.38308122754096985},{"text":"And if you have any trouble with that Odoo sign document, just call through to Sam and the team, and they can walk you through it.","start":625.52,"end":631.44,"sentiment":"neutral","sentiment_score":0.2270039557837523},{"text":"It's usually pretty straightforward.","start":631.44,"end":633.125,"sentiment":"neutral","sentiment_score":0.31357473134994507},{"text":"You can do, like, a drawn signature.","start":634.145,"end":635.905,"sentiment":"neutral","sentiment_score":0.1299963817000389}],"sentiment":"neutral","sentiment_score":0.18009849698706107,"num_words":55,"start":618.08,"end":635.905},{"sentences":[{"text":"You can just let it stamp it on there.","start":635.905,"end":637.74506,"sentiment":"neutral","sentiment_score":0.09752899925741884},{"text":"And because we're not doing any, like, specific applications with a provider, we don't mind which method you use for the site.","start":637.74506,"end":646.085,"sentiment":"neutral","sentiment_score":-0.03452965591780164},{"text":"Yeah.","start":653.82,"end":654.14,"sentiment":"neutral","sentiment_score":0.012100333347916605},{"text":"So when you go through the the Odoo email it sends you, it has a couple of attachments.","start":654.14,"end":658.8,"sentiment":"neutral","sentiment_score":-0.0013789860014286302},{"text":"Yeah.","start":661.945,"end":662.185,"sentiment":"neutral","sentiment_score":0.030897147953510284}],"sentiment":"neutral","sentiment_score":0.0026722411058989226,"num_words":51,"start":635.905,"end":662.185},{"sentences":[{"text":"Just like your review pack, it's got attachments on there for, like, your product disclosure documents, but there'll be a link in there to do the signing.","start":662.185,"end":669.565,"sentiment":"neutral","sentiment_score":0.07011663451514862},{"text":"Once you do that, it'll automatically email us, but it'll give you a button to download a signed copy if you wanna do that for your records.","start":669.78503,"end":676.74,"sentiment":"neutral","sentiment_score":0.11154122181512692},{"text":"Alright, John.","start":680.39996,"end":681.3,"sentiment":"neutral","sentiment_score":0.2717992812395096},{"text":"Appreciate that, mate.","start":685.04,"end":686.175,"sentiment":"positive","sentiment_score":0.40898550550142926},{"text":"Any questions for me before I let you go, sir?","start":686.65497,"end":688.995,"sentiment":"neutral","sentiment_score":0.05841514356434345}],"sentiment":"neutral","sentiment_score":0.10520969037020551,"num_words":69,"start":662.185,"end":688.995},{"sentences":[{"text":"Yeah.","start":697.855,"end":698.175,"sentiment":"neutral","sentiment_score":0.01833607256412506},{"text":"Fingers crossed we're on the up and up in a month's time.","start":698.175,"end":700.65,"sentiment":"neutral","sentiment_score":0.007644804320686187},{"text":"If not, more than happy to revisit things if the world still stays on fire.","start":701.45,"end":705.47003,"sentiment":"neutral","sentiment_score":-0.1610621934135755},{"text":"But, again, we're looking at that ten year view.","start":705.61005,"end":708.99005,"sentiment":"neutral","sentiment_score":0.04588154289457533},{"text":"We're gonna get a pretty good outcome over three and five years.","start":709.05005,"end":711.95,"sentiment":"neutral","sentiment_score":0.24182620520393053}],"sentiment":"neutral","sentiment_score":0.020591615749123906,"num_words":49,"start":697.855,"end":711.95},{"sentences":[{"text":"I'm gonna be keeping a pretty close eye on how long this lasts.","start":712.33,"end":715.63,"sentiment":"neutral","sentiment_score":0.0805712674672787},{"text":"If it's a few months, buying opportunity.","start":715.755,"end":718.255,"sentiment":"neutral","sentiment_score":-0.010152541466855578},{"text":"If it goes on for eighteen months like the GFC did, that will be a bit more serious, and we may have to revisit a few things.","start":718.635,"end":726.895,"sentiment":"neutral","sentiment_score":-0.15603364369383566},{"text":"Awesome, mate.","start":729.53,"end":730.33,"sentiment":"positive","sentiment_score":0.7988438010215759},{"text":"I will leave you with it, and thank you so much for your time.","start":730.33,"end":733.79004,"sentiment":"positive","sentiment_score":0.5776314032929284}],"sentiment":"neutral","sentiment_score":0.10234885008281304,"num_words":63,"start":712.33,"end":733.79004},{"sentences":[{"text":"Thanks, John.","start":736.41003,"end":737.21,"sentiment":"positive","sentiment_score":0.5814073085784912},{"text":"Bye.","start":737.21,"end":737.71,"sentiment":"positive","sentiment_score":0.4306817948818207}],"sentiment":"positive","sentiment_score":0.5311654706796011,"num_words":3,"start":736.41003,"end":737.71}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Good day, mate. How are you? Yep. Yeah. That's right. Ninth of the second seventy two, two Lawson Court, Taylor Slakes. Yep. Sorry. Say that again? Yep. Yep. I'll just just go through it with me if that's alright. Yeah. Yeah. Yeah. Don't worry about it. It's alright. Oh, he'll just go through all this now. Okay? Sorry, mate. I was just calling you once. I don't need you for now. It's alright. Thanks. Yes. Fine. Okay. Yep. Yep. Yep. Yep. Yes. Okay. Yep. Yep. Yep. Yep. Okay. Yep. Okay. Yep. Okay. Yep. Okay. Yep. Yep. Okay. Yep. Okay. Yep. Yeah. No worries. Yep. Okay. Yep. No. It sounds alright. Sounds good. I'll just yeah. I trust you, so all good. Yes. Okay. Yeah. No worries. Okay. No worries. And if I do get when when I do this will and power to anything, do I need to notify these guys? But you say, oh, Yep. Yep. Yeah. No worries. Okay. No worries. Yeah. I need to we need yep. Yeah. I need to do something pretty soon. Yeah. I've been talking about my wife for a while now, and we haven't tried anything yet. So we need to get that organized. So yeah. No. All good. Alright. No. Yeah. No. Just straightforward. Look, you know, my relationship's fine. My son's a good boy, I think. Like yeah. So no. I'll just be pretty simple, I suppose. Yeah. Yes. Yes. Yeah. Okay. No worries. I'll yeah. I'll look we're we're gonna have to definitely do something pretty soon, so I'll get into that. Yep. All good. Yep. No. No. I should be right. No. I should be right. Yep. Yeah. No worries. Alright. Thank you. Alright. So I'll just do a sign look, I'll just sign on the iPad and just email it through. Is that what you mean? Or yeah. I think I've done this yeah. Sorry. Go on. Yep. Yep. Yeah. Okay. No worries. Okay. Yep. Alright. Well, I'll give it a go. If I don't have any problems, I'll let you I'll ring these up. I think so. Should be alright. Yeah. No. No. That's all. That's it, mate. No. Thank you for calling. And, yeah, so what happens in the next year or next six months or so. Yeah. Yeah. Yeah. Yes. Yeah. No worries. Alright. Alright. No worries. Thank you very much. Yep. No worries. Thank you, Gus. Alright. See you, mate. 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Yeah. Good day, mate. How are you? Yep.\n\nYeah. That's right. Ninth of the second seventy two, two Lawson Court, Taylor Slakes. Yep. Sorry.\n\nSay that again? Yep. Yep. I'll just just go through it with me if that's alright. Yeah.\n\nYeah. Yeah. Don't worry about it. It's alright. Oh, he'll just go through all this now.\n\nOkay? Sorry, mate. I was just calling you once. I don't need you for now. It's alright.\n\nThanks. Yes. Fine. Okay. Yep.\n\nYep. Yep. Yep. Yes. Okay.\n\nYep. Yep. Yep. Yep. Okay.\n\nYep. Okay. Yep. Okay. Yep.\n\nOkay. Yep. Yep. Okay. Yep.\n\nOkay. Yep. Yeah. No worries. Yep.\n\nOkay. Yep. No. It sounds alright. Sounds good.\n\nI'll just yeah. I trust you, so all good. Yes. Okay. Yeah.\n\nNo worries. Okay. No worries. And if I do get when when I do this will and power to anything, do I need to notify these guys? But you say, oh, Yep.\n\nYep. Yeah. No worries. Okay. No worries.\n\nYeah. I need to we need yep. Yeah. I need to do something pretty soon. Yeah.\n\nI've been talking about my wife for a while now, and we haven't tried anything yet. So we need to get that organized. So yeah. No. All good.\n\nAlright. No. Yeah. No. Just straightforward.\n\nLook, you know, my relationship's fine. My son's a good boy, I think. Like yeah. So no. I'll just be pretty simple, I suppose.\n\nYeah. Yes. Yes. Yeah. Okay.\n\nNo worries. I'll yeah. I'll look we're we're gonna have to definitely do something pretty soon, so I'll get into that. Yep. All good.\n\nYep. No. No. I should be right. No.\n\nI should be right. Yep. Yeah. No worries. Alright.\n\nThank you. Alright. So I'll just do a sign look, I'll just sign on the iPad and just email it through. Is that what you mean? Or yeah.\n\nI think I've done this yeah. Sorry. Go on. Yep. Yep.\n\nYeah. Okay. No worries. Okay. Yep.\n\nAlright. Well, I'll give it a go. If I don't have any problems, I'll let you I'll ring these up. I think so. Should be alright.\n\nYeah. No. No. That's all. 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It's Tommy here, senior adviser from Oakview. How are you going?\n\nChannel 1: Yeah. Good day, mate. How are you?\n\nChannel 0: Doing fantastic. Just giving you a call to go through that updated advice document with you.\n\nChannel 1: Yep.\n\nChannel 0: Amazing. I'm going to pop it through to your email if you can have a look onto it with me. Just double checking first that you're okay for the call to be recorded.\n\nChannel 1: Yeah. That's right.\n\nChannel 0: Cool. And just for the usual security process for your information, could you please confirm your date of birth and residential address, sir?\n\nChannel 1: Ninth of the second seventy two, two Lawson Court, Taylor Slakes.\n\nChannel 0: Thank you so much for that, John. And I'm registered with ASIC as adviser 1273105. Mate, I've got\n\nChannel 1: Yep.\n\nChannel 0: your BigPond email address ready to go if that's okay.\n\nChannel 1: Sorry. Say that again?\n\nChannel 0: I've got a BigPond email address, and I was gonna pop the documents through to that one if that's still okay.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Cool. Will you be able to look on to that advice document with me, or should I just kind of walk you through it and let you have a read in your own time?\n\nChannel 1: I'll just just go through it with me if that's alright.\n\nChannel 0: Yeah. That's totally fine.\n\nChannel 1: Yeah.\n\nChannel 0: This one's pretty straightforward, so there isn't anything too crazy. I\n\nChannel 1: Yeah.\n\nChannel 0: am just gonna kind of explain a couple of key sections in the document as well just so that when you do have a look at it, you can sort of pull your eyes to the main areas as well, if that's alright.\n\nChannel 1: Yeah. Don't worry about it. It's alright. Oh,\n\nChannel 0: Awesome.\n\nChannel 1: he'll just\n\nChannel 0: Awesome.\n\nChannel 1: go through all this now. Okay? Sorry, mate. I was just calling you once. I don't need you for now.\n\nIt's alright. Thanks.\n\nChannel 0: That's totally\n\nChannel 1: Yes.\n\nChannel 0: fine.\n\nChannel 1: Fine. Okay.\n\nChannel 0: No worries. No worries. So key areas that you'll see in there towards the start will be a scope of advice about what we are and aren't covering in this particular document. So based on our updated discussion a couple of weeks ago, we were just refining everything back down to a portfolio update for your super, getting the investment options updated. We put in there a bit of a reminder about the estate planning to get a will and power of attorney in place.\n\nChannel 1: Yep. Yep.\n\nChannel 0: And outside of that, we've put out of scopes. What we're not giving a recommendation on is, like, cash flow and budgeting because you're already looking after your, like, renovations, car purchase, and building up your savings for an emergency buffer. So that's obviously\n\nChannel 1: Yep.\n\nChannel 0: nothing that we're giving advice on, but you're managing that yourself.\n\nChannel 1: Yep.\n\nChannel 0: Yep. I've excluded investment advice because there was a a potential that Carl talked to you about about investing some of the cash, but, really, you and I basically agreed that all the cash should be kept there for those reasons instead.\n\nChannel 1: Yes. Okay.\n\nChannel 0: Yep. With the insurance side of things, you've got a really good net asset position, so we're not giving any insurance advice as well.\n\nChannel 1: Yep.\n\nChannel 0: Cool. Now what you'll see is your main details on page six and seven, which just has, like, your income, phone number, email address, and so on, as well as your assets and liabilities, your home, holiday house, cars, savings, and\n\nChannel 1: Yep.\n\nChannel 0: your current hub 24 super listed there. If you recall, we're keeping you at that growth risk profile for the time being. The main idea,\n\nChannel 1: Yep.\n\nChannel 0: of course, being grow your super now, and then in a couple years' time, as you get closer to retirement, we'll start to protect it more and more and reduce the risk level.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Okay? In terms of recommendations, it's a really straightforward one. All of the portfolio is looking really good, and I didn't wanna play around with too many of the options. It was just that Benelon option that wasn't doing too well that I've switched out for you.\n\nChannel 1: Yep.\n\nChannel 0: It's been replaced by a like for like active option called Alfiniti. And, basically, the pros and cons between the two, Alfiniti is a little bit more affordable. It's about 10% cheaper on investment fees, and it's outperformed the Benelong option over one, three, five, and ten years. Pretty much every single time period, it's had an outperformance.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Now with the active side of things, its main objective is to try and outperform the Australian stock market, which it has been doing over those time periods as well. The rest of your portfolio as it currently stands at all, just low fee ETFs, and they've all had really\n\nChannel 1: Okay.\n\nChannel 0: strong performance. So it's gonna still be a mix between mainly low fee options and a little bit on the active side. The way I kind of explained it last call was it's like your your satellite options like your sled dog pulls you along a little bit quicker, but we're not putting all your money in that one because we don't want your super going up and down 80% in a single year.\n\nChannel 1: Yep.\n\nChannel 0: Yep. It'll have an investment table just showing you that once we sell off that option, we're gonna redistribute that into the new one, like for like as a sideways switch. Everything else, there's just a little bit of cash that's come in from your contribution, so we're gonna get that invested as well.\n\nChannel 1: Okay.\n\nChannel 0: Just keep it\n\nChannel 1: Yep.\n\nChannel 0: at that minimum. Your asset allocation stays basically the same. Growth allocation for your risk profile was about 80% in shares, property, gold, those growth assets. You're\n\nChannel 1: Yep.\n\nChannel 0: sitting at 81% at the moment. I think the recommended is looking at 81.76. So maintaining\n\nChannel 1: Okay.\n\nChannel 0: pretty much the same level of of growth\n\nChannel 1: Yep.\n\nChannel 0: assets. K. You still have about 20% in the safer side, like fixed interest and cash, and there'll be a little fee comparison table just showing you the difference in performance and fees. And because we're selling off the bet along option, there's no capital gains tax fee of Super to pay under the hood.\n\nChannel 1: Okay.\n\nChannel 0: K? The only drawback is whenever you buy any of these options, there's a little bit of, like, brokerage fees to purchase those ETFs, which we've factored in. And then\n\nChannel 1: Yep.\n\nChannel 0: there's also that managed fund, which just has a small buy spread on it. It's usually\n\nChannel 1: Yeah.\n\nChannel 0: about zero\n\nChannel 1: No worries.\n\nChannel 0: point 03%. Okay?\n\nChannel 1: Yep.\n\nChannel 0: It's got the twelve month and three year performance figures in there, so we're looking at going from 810% to seventeen and fourteen. So just fixing up that one option has had a huge, huge impact on the overall performance.\n\nChannel 1: Okay.\n\nChannel 0: K? Any questions\n\nChannel 1: Yep.\n\nChannel 0: on that so far? How's that sounding?\n\nChannel 1: No. It sounds alright. Sounds good. I'll just yeah. I trust you, so all good.\n\nChannel 0: Cool. Again, will and power of attorney in there. I can't put that in place for you. But, again, if you want to go to a solicitor, public trustee of the state, or post office will get, power of attorney kit, there's a few options there for you.\n\nChannel 1: Yes. Okay.\n\nChannel 0: Advisor service fees have all been included in the projections, which we've gone out to ten years. And because you're getting closer to retirement once we get below ten years, we're gonna start showing you retirement projections, how long the funds actually last through retirement, which will probably be in a couple of years' time.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: K? There's a little bit of an implementation table at the bottom, which is basically everything starts with your consent, John. So once you're happy with this, you can give that a sign. Once that comes through signed, we will jump on to Hub 24, and we can place the trade orders to switch the investments.\n\nChannel 1: Okay.\n\nChannel 0: And that's\n\nChannel 1: No worries.\n\nChannel 0: pretty much it, mate.\n\nChannel 1: And if I do get when when I do this will and power to anything, do I need to notify these guys? But you\n\nChannel 0: We'll\n\nChannel 1: say,\n\nChannel 0: capture\n\nChannel 1: oh,\n\nChannel 0: it in the reviews. We'll always ask you if you've put that in place at the annual review stage. If you do\n\nChannel 1: Yep.\n\nChannel 0: put that in place and you wanna give us a call to update us, that would be fantastic, but\n\nChannel 1: Yep.\n\nChannel 0: we will always ask the question at least every twelve months.\n\nChannel 1: Yeah. No worries. Okay.\n\nChannel 0: Okay?\n\nChannel 1: No worries. Yeah.\n\nChannel 0: If\n\nChannel 1: I need\n\nChannel 0: you have\n\nChannel 1: to\n\nChannel 0: any\n\nChannel 1: we\n\nChannel 0: trouble\n\nChannel 1: need\n\nChannel 0: with it, you can give\n\nChannel 1: yep.\n\nChannel 0: us a call. I'm happy to sort of chat you through it.\n\nChannel 1: Yeah. I need to do something pretty soon. Yeah. I've been talking about my wife for a while now, and we haven't tried anything yet. So we need to get that organized.\n\nSo\n\nChannel 0: Yeah.\n\nChannel 1: yeah. No.\n\nChannel 0: If\n\nChannel 1: All\n\nChannel 0: you\n\nChannel 1: good.\n\nChannel 0: don't\n\nChannel 1: Alright.\n\nChannel 0: mind me asking, you obviously don't have any, like, dependent children under the age of 18 to to worry too much about. It doesn't\n\nChannel 1: No.\n\nChannel 0: look too complex of a situation. Like, it's really just a couple of properties, some cars, some savings, that kind of thing. Anything that you're sort of worried about, or is it pretty straightforward just get something in writing?\n\nChannel 1: Yeah. No. Just straightforward. Look, you know, my relationship's fine. My son's a good boy, I think.\n\nLike yeah. So no. I'll just be pretty simple, I suppose. Yeah.\n\nChannel 0: And, look, if you're wanting it to kind of filter down where it goes, you put in place wills for a trade of assets between you guys and then filters down to your son afterwards, like, that's okay. The only\n\nChannel 1: Yes.\n\nChannel 0: reminder I would give you is just make sure you also check for that power of attorney so that someone can do the bank accounts, talk to the doctors if you can't act on your own behalf and you're still alive.\n\nChannel 1: Yes.\n\nChannel 0: And, look, if you wanna go to a solicitor for the will, but do a little power of attorney kit from the post office for $25, whatever kinda works for you guys, but I would just remind to get both.\n\nChannel 1: Yeah. Okay. No worries. I'll yeah. I'll look we're we're gonna have to definitely do something pretty soon, so I'll get into that.\n\nYep. All\n\nChannel 0: Easy\n\nChannel 1: good.\n\nChannel 0: done. Easy done. I don't believe there was anything else that we were gonna catch up on in a few months' time. I was just having a quick look through my notes there. We're not doing any carry forward contributions or anything like that.\n\nWe factored in all the existing contributions as well, like the salary sacrifice, which you're good to keep doing.\n\nChannel 1: Yep.\n\nChannel 0: So I don't think there's anything there. We would pretty much have a chat to you around the time of your updated review and service agreement. Is there anything you want me to kind of pencil in between now and Christmas time?\n\nChannel 1: No. No. I should be right. No. I should be right.\n\nChannel 0: Cool. Alright. Well, that'll probably we'll probably have a chat to you before Christmas anyway for that updated review, let you know how the portfolio is trucking along and see how you went with the will. But if anything\n\nChannel 1: Yep.\n\nChannel 0: pops up in between, may please just send us an email, call, or text.\n\nChannel 1: Yeah. No worries. Alright.\n\nChannel 0: Alrighty.\n\nChannel 1: Thank\n\nChannel 0: And\n\nChannel 1: you.\n\nChannel 0: if you have any trouble with that Odoo sign document, just call through to Sam and the team, and they can walk you through it. It's usually pretty straightforward. You can do, like, a drawn signature. You can just let it stamp it on there. And because we're not doing any, like, specific applications with a provider, we don't mind which method you use for the site.\n\nChannel 1: Alright. So I'll just do a sign look, I'll just sign on the iPad and just email it through. Is that what you mean? Or\n\nChannel 0: Yeah. So when you go through the the Odoo email it sends you, it has\n\nChannel 1: yeah.\n\nChannel 0: a couple\n\nChannel 1: I think\n\nChannel 0: of\n\nChannel 1: I've\n\nChannel 0: attachments.\n\nChannel 1: done this yeah. Sorry. Go on.\n\nChannel 0: Yeah. Just like your review pack, it's got\n\nChannel 1: Yep.\n\nChannel 0: attachments on there for, like, your product disclosure documents, but there'll be a link in there to do the signing. Once you do that, it'll automatically email us, but it'll\n\nChannel 1: Yep.\n\nChannel 0: give you a button to download a signed copy if you wanna do that for your records.\n\nChannel 1: Yeah. Okay. No worries. Okay. Yep.\n\nAlright.\n\nChannel 0: Alright,\n\nChannel 1: Well,\n\nChannel 0: John.\n\nChannel 1: I'll give it a go. If I don't have any problems, I'll let you I'll ring these up. I think so. Should\n\nChannel 0: Appreciate\n\nChannel 1: be alright.\n\nChannel 0: that, mate.\n\nChannel 1: Yeah.\n\nChannel 0: Any questions for me before I let you go, sir?\n\nChannel 1: No. No. That's all. That's it, mate. No.\n\nThank you for calling. And, yeah, so what happens in the next year or next six months or so. Yeah.\n\nChannel 0: Yeah. Fingers crossed we're on the up and up in a month's time. If not, more than happy to revisit things if the world still stays on fire. But,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: again, we're looking at that ten year view. We're gonna get a pretty good outcome over three and five years. I'm gonna be keeping a pretty close eye on how long this lasts. If it's a few\n\nChannel 1: Yes.\n\nChannel 0: months, buying opportunity. If it goes on for eighteen months like the GFC did, that will be a bit more serious, and we may have to revisit a few things.\n\nChannel 1: Yeah. No worries. Alright.\n\nChannel 0: Awesome, mate. I will\n\nChannel 1: Alright.\n\nChannel 0: leave you with it, and\n\nChannel 1: No worries.\n\nChannel 0: thank\n\nChannel 1: Thank\n\nChannel 0: you\n\nChannel 1: you\n\nChannel 0: so\n\nChannel 1: very\n\nChannel 0: much\n\nChannel 1: much.\n\nChannel 0: for your time.\n\nChannel 1: Yep. No worries. Thank you, Gus. Alright.\n\nChannel 0: Thanks, John. Bye.\n\nChannel 1: See you, mate. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.36,"end":1.86,"sentiment":"neutral","sentiment_score":0.0399811714887619}],"sentiment":"neutral","sentiment_score":0.0399811714887619,"channel":1,"num_words":1,"start":1.36,"end":1.86},{"sentences":[{"text":"Good day, John.","start":2.8,"end":3.52,"sentiment":"neutral","sentiment_score":0.24748857816060385},{"text":"It's Tommy here, senior adviser from Oakview.","start":3.52,"end":5.68,"sentiment":"neutral","sentiment_score":0.18015765718051366},{"text":"How are you going?","start":5.68,"end":6.58,"sentiment":"neutral","sentiment_score":0.17364638298749924}],"sentiment":"neutral","sentiment_score":0.1927253476211003,"channel":0,"num_words":14,"start":2.8,"end":6.58},{"sentences":[{"text":"Yeah.","start":6.56,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.1638009250164032},{"text":"Good day, mate.","start":6.8799996,"end":7.52,"sentiment":"neutral","sentiment_score":0.33322638273239136},{"text":"How are you?","start":7.52,"end":8.26,"sentiment":"neutral","sentiment_score":0.2470422883828481}],"sentiment":"neutral","sentiment_score":0.27208670548030306,"channel":1,"num_words":7,"start":6.56,"end":8.26},{"sentences":[{"text":"Doing fantastic.","start":8.32,"end":9.22,"sentiment":"positive","sentiment_score":0.8048566579818726},{"text":"Just giving you a call to go through that updated advice document with you.","start":9.5199995,"end":13.005,"sentiment":"positive","sentiment_score":0.5093623059136527}],"sentiment":"positive","sentiment_score":0.5462990999221802,"channel":0,"num_words":16,"start":8.32,"end":13.005},{"sentences":[{"text":"Yep.","start":13.36,"end":13.86,"sentiment":"positive","sentiment_score":0.35834813117980957}],"sentiment":"positive","sentiment_score":0.35834813117980957,"channel":1,"num_words":1,"start":13.36,"end":13.86},{"sentences":[{"text":"Amazing.","start":14.605,"end":15.105,"sentiment":"positive","sentiment_score":0.6123082041740417},{"text":"I'm going to pop it through to your email if you can have a look onto it with me.","start":15.325,"end":19.665,"sentiment":"positive","sentiment_score":0.3686202215520959},{"text":"Just double checking first that you're okay for the call to be recorded.","start":20.525,"end":23.505001,"sentiment":"neutral","sentiment_score":0.23104405288512891}],"sentiment":"neutral","sentiment_score":0.32180803336880426,"channel":0,"num_words":33,"start":14.605,"end":23.505001},{"sentences":[{"text":"Yeah.","start":24.375,"end":24.615,"sentiment":"neutral","sentiment_score":0.14963065087795258},{"text":"That's right.","start":24.615,"end":25.435001,"sentiment":"neutral","sentiment_score":0.20696855336427689}],"sentiment":"neutral","sentiment_score":0.1878559192021688,"channel":1,"num_words":3,"start":24.375,"end":25.435001},{"sentences":[{"text":"Cool.","start":25.82,"end":26.220001,"sentiment":"neutral","sentiment_score":0.26589465141296387},{"text":"And just for the usual security process for your information, could you please confirm your date of birth and residential address, sir?","start":26.220001,"end":33.92,"sentiment":"neutral","sentiment_score":0.09649804877963933}],"sentiment":"neutral","sentiment_score":0.10386311845934909,"channel":0,"num_words":23,"start":25.82,"end":33.92},{"sentences":[{"text":"Ninth of the second seventy two, two Lawson Court, Taylor Slakes.","start":34.63,"end":38.010002,"sentiment":"neutral","sentiment_score":0.032512974332679405}],"sentiment":"neutral","sentiment_score":0.032512974332679405,"channel":1,"num_words":11,"start":34.63,"end":38.010002},{"sentences":[{"text":"Thank you so much for that, John.","start":38.635,"end":39.995,"sentiment":"positive","sentiment_score":0.5549010847296033},{"text":"And I'm registered with ASIC as adviser 1273105.","start":39.995,"end":44.815,"sentiment":"neutral","sentiment_score":0.3045151438564062},{"text":"Mate, I've got","start":45.035,"end":45.915,"sentiment":"neutral","sentiment_score":0.1071551963686943}],"sentiment":"positive","sentiment_score":0.3689941296146976,"channel":0,"num_words":18,"start":38.635,"end":45.915},{"sentences":[{"text":"Yep.","start":45.715,"end":46.215,"sentiment":"neutral","sentiment_score":0.09843112528324129}],"sentiment":"neutral","sentiment_score":0.09843112528324129,"channel":1,"num_words":1,"start":45.715,"end":46.215},{"sentences":[{"text":"your BigPond email address ready to go if that's okay.","start":45.915,"end":49.614998,"sentiment":"neutral","sentiment_score":0.09745037332177162}],"sentiment":"neutral","sentiment_score":0.09745037332177162,"channel":0,"num_words":10,"start":45.915,"end":49.614998},{"sentences":[{"text":"Sorry.","start":50.274998,"end":50.594997,"sentiment":"neutral","sentiment_score":-0.0221945121884346},{"text":"Say that again?","start":50.594997,"end":51.574997,"sentiment":"neutral","sentiment_score":-0.012144972880681356}],"sentiment":"neutral","sentiment_score":-0.014657357707619667,"channel":1,"num_words":4,"start":50.274998,"end":51.574997},{"sentences":[{"text":"I've got a BigPond email address, and I was gonna pop the documents through to that one if that's still okay.","start":52.050003,"end":58.31,"sentiment":"neutral","sentiment_score":0.03768593445420265}],"sentiment":"neutral","sentiment_score":0.03768593445420265,"channel":0,"num_words":21,"start":52.050003,"end":58.31},{"sentences":[{"text":"Yep.","start":58.58,"end":59.08,"sentiment":"neutral","sentiment_score":0.09331583976745604},{"text":"Yep.","start":59.22,"end":59.72,"sentiment":"neutral","sentiment_score":0.13270987570285797}],"sentiment":"neutral","sentiment_score":0.11301285773515701,"channel":1,"num_words":2,"start":58.58,"end":59.72},{"sentences":[{"text":"Cool.","start":59.81,"end":60.29,"sentiment":"neutral","sentiment_score":0.2209453284740448},{"text":"Will you be able to look on to that advice document with me, or should I just kind of walk you through it and let you have a read in your own time?","start":60.29,"end":67.895,"sentiment":"neutral","sentiment_score":0.14304254068569702}],"sentiment":"neutral","sentiment_score":0.1453337991500602,"channel":0,"num_words":34,"start":59.81,"end":67.895},{"sentences":[{"text":"I'll just just go through it with me if that's alright.","start":70.784996,"end":73.604996,"sentiment":"neutral","sentiment_score":0.07894742827523839}],"sentiment":"neutral","sentiment_score":0.07894742827523839,"channel":1,"num_words":11,"start":70.784996,"end":73.604996},{"sentences":[{"text":"Yeah.","start":74.354996,"end":74.515,"sentiment":"neutral","sentiment_score":0.1397283524274826},{"text":"That's totally fine.","start":74.515,"end":75.395,"sentiment":"neutral","sentiment_score":0.22631401320298514}],"sentiment":"neutral","sentiment_score":0.2046675980091095,"channel":0,"num_words":4,"start":74.354996,"end":75.395},{"sentences":[{"text":"Yeah.","start":75.265,"end":75.765,"sentiment":"neutral","sentiment_score":0.2303141951560974}],"sentiment":"neutral","sentiment_score":0.2303141951560974,"channel":1,"num_words":1,"start":75.265,"end":75.765},{"sentences":[{"text":"This one's pretty straightforward, so there isn't anything too crazy.","start":75.395,"end":79.17,"sentiment":"neutral","sentiment_score":0.2848369687795639},{"text":"I","start":79.549995,"end":80.049995,"sentiment":"neutral","sentiment_score":0.1944696754217148}],"sentiment":"neutral","sentiment_score":0.2766217602924867,"channel":0,"num_words":11,"start":75.395,"end":80.049995},{"sentences":[{"text":"Yeah.","start":79.744995,"end":80.244995,"sentiment":"neutral","sentiment_score":0.18280795216560364}],"sentiment":"neutral","sentiment_score":0.18280795216560364,"channel":1,"num_words":1,"start":79.744995,"end":80.244995},{"sentences":[{"text":"am just gonna kind of explain a couple of key sections in the document as well just so that when you do have a look at it, you can sort of pull your eyes to the main areas as well, if that's alright.","start":80.10999,"end":90.28999,"sentiment":"neutral","sentiment_score":0.1863610716753228}],"sentiment":"neutral","sentiment_score":0.1863610716753228,"channel":0,"num_words":43,"start":80.10999,"end":90.28999},{"sentences":[{"text":"Yeah.","start":92.18,"end":92.66,"sentiment":"neutral","sentiment_score":0.0971769392490387},{"text":"Don't worry about it.","start":92.66,"end":93.54,"sentiment":"neutral","sentiment_score":0.09453188255429268},{"text":"It's alright.","start":93.54,"end":94.200005,"sentiment":"neutral","sentiment_score":0.13556261360645294},{"text":"Oh,","start":94.66,"end":94.9,"sentiment":"neutral","sentiment_score":0.28236594796180725}],"sentiment":"neutral","sentiment_score":0.12859945558011532,"channel":1,"num_words":8,"start":92.18,"end":94.9},{"sentences":[{"text":"Awesome.","start":94.875,"end":95.195,"sentiment":"positive","sentiment_score":0.42949622869491577}],"sentiment":"positive","sentiment_score":0.42949622869491577,"channel":0,"num_words":1,"start":94.875,"end":95.195},{"sentences":[{"text":"he'll just","start":94.9,"end":95.380005,"sentiment":"positive","sentiment_score":0.39117904007434845}],"sentiment":"positive","sentiment_score":0.39117904007434845,"channel":1,"num_words":2,"start":94.9,"end":95.380005},{"sentences":[{"text":"Awesome.","start":95.195,"end":95.695,"sentiment":"positive","sentiment_score":0.4421773552894592}],"sentiment":"positive","sentiment_score":0.4421773552894592,"channel":0,"num_words":1,"start":95.195,"end":95.695},{"sentences":[{"text":"go through all this now.","start":95.380005,"end":96.340004,"sentiment":"positive","sentiment_score":0.37736664414405824},{"text":"Okay?","start":96.340004,"end":96.66,"sentiment":"neutral","sentiment_score":0.08972809463739395},{"text":"Sorry, mate.","start":96.66,"end":97.14,"sentiment":"neutral","sentiment_score":-0.04562045447528362},{"text":"I was just calling you once.","start":97.14,"end":98.44,"sentiment":"neutral","sentiment_score":-0.0745117658128341},{"text":"I don't need you for now.","start":99.215,"end":100.494995,"sentiment":"neutral","sentiment_score":-0.0967141551276048}],"sentiment":"neutral","sentiment_score":0.04289824403822422,"channel":1,"num_words":20,"start":95.380005,"end":100.494995},{"sentences":[{"text":"It's alright.","start":100.494995,"end":101.155,"sentiment":"neutral","sentiment_score":0.05827901512384415},{"text":"Thanks.","start":101.534996,"end":102.034996,"sentiment":"neutral","sentiment_score":0.18835730850696564}],"sentiment":"neutral","sentiment_score":0.10163844625155131,"channel":1,"num_words":3,"start":100.494995,"end":102.034996},{"sentences":[{"text":"That's 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worries.","start":105.29,"end":105.770004,"sentiment":"neutral","sentiment_score":0.04764638468623161},{"text":"No worries.","start":105.770004,"end":106.33,"sentiment":"neutral","sentiment_score":0.12745533883571625},{"text":"So key areas that you'll see in there towards the start will be a scope of advice about what we are and aren't covering in this particular document.","start":106.33,"end":114.43,"sentiment":"neutral","sentiment_score":0.07369333113144551},{"text":"So based on our updated discussion a couple of weeks ago, we were just refining everything back down to a portfolio update for your super, getting the investment options updated.","start":115.555,"end":126.855,"sentiment":"neutral","sentiment_score":0.13120166324079036},{"text":"We put in there a bit of a reminder about the estate planning to get a will and power of attorney in 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The speaker emphasizes maintaining a growth risk profile and a low fee portfolio, as well as the importance of maintaining a growth risk profile and a low fee portfolio. The speaker also discusses the power of attorney and implementation tables, as well as the need to update trade orders and notifying creditors for solicitor services. 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It was just that Benelon option that wasn't doing too well that I've switched out for you. Yep.","start_word":638,"end_word":675,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.23117124}]},{"text":"The only drawback is whenever you buy any of these options, there's a little bit of, like, brokerage fees to purchase those ETFs, which we've factored in. And then Yep. there's also that managed fund, which just has a small buy spread on it. It's usually Yeah.","start_word":1031,"end_word":1077,"intents":[{"intent":"Discuss fund options","confidence_score":0.0006174814}]},{"text":"put that in place and you wanna give us a call to update us, that would be fantastic, but Yep. we will always ask the question at least every twelve months. Yeah.","start_word":1377,"end_word":1408,"intents":[{"intent":"Update","confidence_score":0.013475401}]},{"text":"If I need you have to any we trouble need with it, you can give yep. us a call. I'm happy to sort of chat you through it. Yeah.","start_word":1416,"end_word":1444,"intents":[{"intent":"Request assistance","confidence_score":0.0054368447}]},{"text":"reminder I would give you is just make sure you also check for that power of attorney so that someone can do the bank accounts, talk to the doctors if you can't act on your own behalf and you're still alive. Yes.","start_word":1621,"end_word":1662,"intents":[{"intent":"Check power of attorney","confidence_score":0.61642826}]},{"text":"We would pretty much have a chat to you around the time of your updated review and service agreement. Is there anything you want me to kind of pencil in between now and Christmas time?","start_word":1800,"end_word":1834,"intents":[{"intent":"Schedule conversation","confidence_score":0.00024652542}]},{"text":"And, yeah, so what happens in the next year or next six months or so. Yeah.","start_word":2146,"end_word":2161,"intents":[{"intent":"Discuss future plans","confidence_score":0.081386484}]}]},"sentiments":{"segments":[{"text":"Hello? Good day, John. It's Tommy here, senior adviser from Oakview. How are you going? Yeah. Good day, mate. How are you?","start_word":0,"end_word":21,"sentiment":"neutral","sentiment_score":0.21392618119716644},{"text":"Doing fantastic. Just giving you a call to go through that updated advice document with you. Yep. Amazing. I'm going to pop it through to your email if you can have a look onto it with me.","start_word":22,"end_word":58,"sentiment":"positive","sentiment_score":0.45750048756599426},{"text":"Just double checking first that you're okay for the call to be recorded. Yeah. That's right. Cool. And just for the usual security process for your information, could you please confirm your date of birth and residential address, sir? Ninth of the second seventy two, two Lawson Court, Taylor Slakes.","start_word":59,"end_word":108,"sentiment":"neutral","sentiment_score":0.12280523031949996},{"text":"Thank you so much for that, John.","start_word":109,"end_word":115,"sentiment":"positive","sentiment_score":0.5608223080635071},{"text":"And I'm registered with ASIC as adviser 1273105. Mate, I've got Yep. your BigPond email address ready to go if that's okay. Sorry. Say that again? I've got a BigPond email address, and I was gonna pop the documents through to that one if that's still okay. Yep. Yep. Cool. Will you be able to look on to that advice document with me, or should I just kind of walk you through it and let you have a read in your own time? I'll just just go through it with me if that's alright. Yeah. That's totally fine. Yeah. This one's pretty straightforward, so there isn't anything too crazy. I Yeah. am just gonna kind of explain a couple of key sections in the document as well just so that when you do have a look at it, you can sort of pull your eyes to the main areas as well, if that's alright. Yeah. Don't worry about it. It's alright.","start_word":116,"end_word":276,"sentiment":"neutral","sentiment_score":0.1450852006673813},{"text":"Oh, Awesome. he'll just Awesome. go through all this now.","start_word":277,"end_word":286,"sentiment":"positive","sentiment_score":0.376755952835083},{"text":"Okay? Sorry, mate. I was just calling you once. I don't need you for now. It's alright. Thanks. That's totally Yes. fine. Fine. Okay. No worries. No worries. So key areas that you'll see in there towards the start will be a scope of advice about what we are and aren't covering in this particular document. So based on our updated discussion a couple of weeks ago, we were just refining everything back down to a portfolio update for your super, getting the investment options updated. We put in there a bit of a reminder about the estate planning to get a will and power of attorney in place. Yep. Yep. And outside of that, we've put out of scopes.","start_word":287,"end_word":406,"sentiment":"neutral","sentiment_score":0.04408732227360209},{"text":"What we're not giving a recommendation on is, like, cash flow and budgeting because you're already looking after your, like, renovations, car purchase, and building up your savings for an emergency buffer.","start_word":407,"end_word":438,"sentiment":"negative","sentiment_score":-0.35210976004600525},{"text":"So that's obviously Yep. nothing that we're giving advice on, but you're managing that yourself. Yep. Yep. I've excluded investment advice because there was a a potential that Carl talked to you about about investing some of the cash, but, really, you and I basically agreed that all the cash should be kept there for those reasons instead. Yes. Okay. Yep. With the insurance side of things, you've got a really good net asset position, so we're not giving any insurance advice as well. Yep.","start_word":439,"end_word":523,"sentiment":"neutral","sentiment_score":-0.013801113702356815},{"text":"Cool.","start_word":524,"end_word":524,"sentiment":"positive","sentiment_score":0.43583834171295166},{"text":"Now what you'll see is your main details on page six and seven, which just has, like, your income, phone number, email address, and so on, as well as your assets and liabilities, your home, holiday house, cars, savings, and Yep. your current hub 24 super listed there. If you recall, we're keeping you at that growth risk profile for the time being. The main idea, Yep. of course, being grow your super now, and then in a couple years' time, as you get closer to retirement, we'll start to protect it more and more and reduce the risk level. Yep. Okay. Okay? In terms of recommendations, it's a really straightforward one. All of the portfolio is looking really good, and I didn't wanna play around with too many of the options. It was just that Benelon option that wasn't doing too well that I've switched out for you. Yep. It's been replaced by a like for like active option called Alfiniti. And, basically, the pros and cons between the two, Alfiniti is a little bit more affordable.","start_word":525,"end_word":702,"sentiment":"neutral","sentiment_score":0.18473796328801784},{"text":"It's about 10% cheaper on investment fees, and it's outperformed the Benelong option over one, three, five, and ten years. Pretty much every single time period, it's had an outperformance.","start_word":703,"end_word":732,"sentiment":"positive","sentiment_score":0.4643552303314209},{"text":"Okay. Yep. Now with the active side of things, its main objective is to try and outperform the Australian stock market, which it has been doing over those time periods as well. The rest of your portfolio as it currently stands at all, just low fee ETFs, and they've all had really Okay. strong performance. So it's gonna still be a mix between mainly low fee options and a little bit on the active side. The way I kind of explained it last call was it's like your your satellite options like your sled dog pulls you along a little bit quicker, but we're not putting all your money in that one because we don't want your super going up and down 80% in a single year. Yep. Yep. It'll have an investment table just showing you that once we sell off that option, we're gonna redistribute that into the new one, like for like as a sideways switch. Everything else, there's just a little bit of cash that's come in from your contribution, so we're gonna get that invested as well. Okay. Just keep it Yep. at that minimum. Your asset allocation stays basically the same. Growth allocation for your risk profile was about 80% in shares, property, gold, those growth assets. You're Yep. sitting at 81% at the moment. I think the recommended is looking at 81.76. So maintaining Okay. pretty much the same level of of growth Yep. assets. K. You still have about 20% in the safer side, like fixed interest and cash, and there'll be a little fee comparison table just showing you the difference in performance and fees. And because we're selling off the bet along option, there's no capital gains tax fee of Super to pay under the hood. Okay. K? The only drawback is whenever you buy any of these options, there's a little bit of, like, brokerage fees to purchase those ETFs, which we've factored in. And then Yep. there's also that managed fund, which just has a small buy spread on it. It's usually Yeah. about zero No worries. point 03%. Okay? Yep. It's got the twelve month and three year performance figures in there, so we're looking at going from 810% to seventeen and fourteen. So just fixing up that one option has had a huge, huge impact on the overall performance. Okay. K? Any questions Yep. on that so far? How's that sounding? No. It sounds alright.","start_word":733,"end_word":1141,"sentiment":"neutral","sentiment_score":0.12259121545223851},{"text":"Sounds good. I'll just yeah. I trust you, so all good. Cool.","start_word":1142,"end_word":1153,"sentiment":"positive","sentiment_score":0.5828958749771118},{"text":"Again, will and power of attorney in there. I can't put that in place for you. But, again, if you want to go to a solicitor, public trustee of the state, or post office will get, power of attorney kit, there's a few options there for you. Yes. Okay. Advisor service fees have all been included in the projections, which we've gone out to ten years. And because you're getting closer to retirement once we get below ten years, we're gonna start showing you retirement projections, how long the funds actually last through retirement, which will probably be in a couple of years' time. Yeah. No worries. K? There's a little bit of an implementation table at the bottom, which is basically everything starts with your consent, John. So once you're happy with this, you can give that a sign. Once that comes through signed, we will jump on to Hub 24, and we can place the trade orders to switch the investments. Okay. And that's No worries.","start_word":1154,"end_word":1321,"sentiment":"neutral","sentiment_score":0.1083841510117054},{"text":"pretty much it, mate.","start_word":1322,"end_word":1325,"sentiment":"positive","sentiment_score":0.3813968598842621},{"text":"And if I do get when when I do this will and power to anything, do I need to notify these guys? But you We'll say, capture oh, it in the reviews. We'll always ask you if you've put that in place at the annual review stage. If you do Yep.","start_word":1326,"end_word":1376,"sentiment":"neutral","sentiment_score":0.11969855427742004},{"text":"put that in place and you wanna give us a call to update us, that would be fantastic, but Yep.","start_word":1377,"end_word":1396,"sentiment":"positive","sentiment_score":0.37503930926322937},{"text":"we will always ask the question at least every twelve months. Yeah. No worries. Okay. Okay? No worries. Yeah. If I need you have to any we trouble need with it, you can give yep. us a call.","start_word":1397,"end_word":1434,"sentiment":"neutral","sentiment_score":0.15864108502864838},{"text":"I'm happy to sort of chat you through it.","start_word":1435,"end_word":1443,"sentiment":"positive","sentiment_score":0.6263705492019653},{"text":"Yeah. I need to do something pretty soon. Yeah. I've been talking about my wife for a while now, and we haven't tried anything yet. So we need to get that organized. So Yeah. yeah. No. If All you good. don't Alright. mind me asking, you obviously don't have any, like, dependent children under the age of 18 to to worry too much about. It doesn't No. look too complex of a situation. Like, it's really just a couple of properties, some cars, some savings, that kind of thing. Anything that you're sort of worried about, or is it pretty straightforward just get something in writing? Yeah. No. Just straightforward. Look, you know, my relationship's fine.","start_word":1444,"end_word":1559,"sentiment":"neutral","sentiment_score":-0.018719784915447235},{"text":"My son's a good boy, I think.","start_word":1560,"end_word":1566,"sentiment":"positive","sentiment_score":0.3621230125427246},{"text":"Like yeah. So no. I'll just be pretty simple, I suppose. Yeah. And, look, if you're wanting it to kind of filter down where it goes, you put in place wills for a trade of assets between you guys and then filters down to your son afterwards, like, that's okay. The only Yes. reminder I would give you is just make sure you also check for that power of attorney so that someone can do the bank accounts, talk to the doctors if you can't act on your own behalf and you're still alive. Yes. And, look, if you wanna go to a solicitor for the will, but do a little power of attorney kit from the post office for $25, whatever kinda works for you guys, but I would just remind to get both. Yeah. Okay. No worries. I'll yeah. I'll look we're we're gonna have to definitely do something pretty soon, so I'll get into that. Yep.","start_word":1567,"end_word":1725,"sentiment":"neutral","sentiment_score":0.10632772743701936},{"text":"All Easy good. done. Easy done.","start_word":1726,"end_word":1731,"sentiment":"positive","sentiment_score":0.5708864331245422},{"text":"I don't believe there was anything else that we were gonna catch up on in a few months' time. I was just having a quick look through my notes there. We're not doing any carry forward contributions or anything like that. We factored in all the existing contributions as well, like the salary sacrifice, which you're good to keep doing. Yep. So I don't think there's anything there. We would pretty much have a chat to you around the time of your updated review and service agreement. Is there anything you want me to kind of pencil in between now and Christmas time? No. No. I should be right. No. I should be right. Cool. Alright. Well, that'll probably we'll probably have a chat to you before Christmas anyway for that updated review, let you know how the portfolio is trucking along and see how you went with the will. But if anything Yep. pops up in between, may please just send us an email, call, or text. Yeah. No worries. Alright.","start_word":1732,"end_word":1903,"sentiment":"neutral","sentiment_score":0.0034759007394313812},{"text":"Alrighty. Thank And you.","start_word":1904,"end_word":1907,"sentiment":"positive","sentiment_score":0.4522867202758789},{"text":"if you have any trouble with that Odoo sign document, just call through to Sam and the team, and they can walk you through it. It's usually pretty straightforward. You can do, like, a drawn signature. You can just let it stamp it on there. And because we're not doing any, like, specific applications with a provider, we don't mind which method you use for the site. Alright. So I'll just do a sign look, I'll just sign on the iPad and just email it through. Is that what you mean? Or Yeah. So when you go through the the Odoo email it sends you, it has yeah. a couple I think of I've attachments. done this yeah. Sorry. Go on. Yeah. Just like your review pack, it's got Yep. attachments on there for, like, your product disclosure documents, but there'll be a link in there to do the signing. Once you do that, it'll automatically email us, but it'll Yep. give you a button to download a signed copy if you wanna do that for your records. Yeah. Okay. No worries. Okay. Yep. Alright. Alright, Well, John.","start_word":1908,"end_word":2095,"sentiment":"neutral","sentiment_score":0.08863112748541097},{"text":"I'll give it a go.","start_word":2096,"end_word":2100,"sentiment":"positive","sentiment_score":0.3515223562717438},{"text":"If I don't have any problems, I'll let you I'll ring these up. I think so.","start_word":2101,"end_word":2116,"sentiment":"neutral","sentiment_score":0.2486363649368286},{"text":"Should Appreciate be alright. that, mate.","start_word":2117,"end_word":2122,"sentiment":"positive","sentiment_score":0.4419294893741608},{"text":"Yeah. Any questions for me before I let you go, sir? No. No. That's all. That's it, mate. No. Thank you for calling. And, yeah, so what happens in the next year or next six months or so. Yeah. Yeah. Fingers crossed we're on the up and up in a month's time. If not, more than happy to revisit things if the world still stays on fire. But, Yeah. Yeah. again, we're looking at that ten year view. We're gonna get a pretty good outcome over three and five years. I'm gonna be keeping a pretty close eye on how long this lasts. If it's a few Yes. months, buying opportunity. If it goes on for eighteen months like the GFC did, that will be a bit more serious, and we may have to revisit a few things. Yeah. No worries.","start_word":2123,"end_word":2263,"sentiment":"neutral","sentiment_score":0.0008156750737590359},{"text":"Alright. Awesome, mate. I will Alright.","start_word":2264,"end_word":2269,"sentiment":"positive","sentiment_score":0.5539358258247375},{"text":"leave you with it, and No worries.","start_word":2270,"end_word":2276,"sentiment":"neutral","sentiment_score":0.31965816020965576},{"text":"thank Thank you you so very much much. for your time.","start_word":2277,"end_word":2287,"sentiment":"positive","sentiment_score":0.7575883865356445},{"text":"Yep. No worries.","start_word":2288,"end_word":2290,"sentiment":"neutral","sentiment_score":0.28318583965301514},{"text":"Thank you, Gus. Alright. Thanks, John. Bye. See you, mate.","start_word":2291,"end_word":2300,"sentiment":"positive","sentiment_score":0.4898880422115326},{"text":"Bye.","start_word":2301,"end_word":2301,"sentiment":"neutral","sentiment_score":0.21372215449810028}],"average":{"sentiment":"neutral","sentiment_score":0.11918079534006236}}}}