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It was quite sunny, but started raining on the Gold Coast. How's it at in Victoria? Oh, jealous. I do have your inquiry open in front of me, and I've got the advice document that Carl sent through to you. Do you mind if I just go through a quick security check, and then we can dive into it together? Amazing. Are you okay for this call to be recorded? Perfect. And I'm registered with Asic as adviser 1273105. Just for the security of your information, could you please confirm your date of birth and address? Perfect. Thank you so much for that. So I've just been going through the advice document that Carl sent through to you. I did note that there was a concern about the advice fees. So what I wanted to do today, if it's okay, because we've already had a chat before, I wanna just ask you a few quick questions about a little bit of a repeat on the previous advice, the current advice, and a bit of an option going forward. Can I just firstly ask you what you were thinking when it came to that advice document? Do you kind of like what he put together? Was the does the plan look pretty good? Yeah. Yes. Correct. Yeah. So it's a bit scary to have a big sell down while it's in the negative, that kind of thing. Yeah. Yep. Yeah. So it almost feels like a big proportion of your contributions because, obviously, our fees are percentage base of your balance. So that's what you're kind of looking at and going, oh, this is a decent chunk of what I'm putting in. Yeah. Yeah. Perfect. Perfect. So the the two things I wanted to kind of go through with you is, obviously, part of our adviser service fee is trying to get you good returns. That's that's a part of it. And if you're gonna be paying that much out of your super, it needs to translate to a good return net of fees. Otherwise, there's no point having a 1% difference in performance if you're just going to pay 2% in fees or something like that. Right? Yep. And then I've kind of already noted down your previous concerns. Obviously, the original advice to go into the Benelon and then, obviously, the losses that have happened, that's kind of your concerns from the initial advice. You're comfortable with the portfolio going forward that we've recommended to kind of switch that into something better and do a bit of a rebalance. Do you remember the the CGT side of it where we were kind of trying to use some of those losses to offset updating the other options. That's amazing. That's 60% is perfect because I don't expect you to, you know, fully grasp it in one conversation. It takes a few years for us to chip away at it together, and part of that is, you know, gradual educating of the clients and and trying to make sure we're both going in the one direction. So that's pretty good. So what I can kind of do just to kind of help out if you like is I I've been approved to give you a fee discount for twelve months. So just to sort of see how we go, if you're comfortable, we can reduce that fee for the twelve month period from 1.65% to 1.1, which is about a 33% discount and kind of see if that portfolio then meets your expectations for that year. How does that sound? So it's currently listed as 1.65%, and we can reduce it to 1.1. So that's kind of our discount fee. Yeah. Perfect. So what I would love to do is I will get an amended service agreement sent through to you alongside that statement of advice. So that will reflect the fee. I think we were still wanting to catch up around maybe Christmas time as a bit of an update to see how it was going. Like, we don't have to leave it a full twelve months. Would that be okay? Yep. Awesome. So I'll get that update and sent through to you. What I will do is I'll just make a quick amendment to the statement of advice just mentioning the discount. But just for the projection purposes, we're still gonna leave the the 1.65 for because it's a ten year projection, we don't want to assume if you do go back to the normal fee that we're under projecting you, if that makes sense, or overpromising. So I'll leave the projections kind of as is. I'll make an amendment to the service fee for the twelve months. And just remember too, like, if it's not meeting your expectations throughout the year, it's not a lock in contract for twelve months. It is a consent for a maximum of twelve months, and I'll put in for a bit of an updated discussion before the end of the calendar year. Perfect. Yeah. Go for it. Yeah. So one of the cool tricks that we can do when it comes to a wrap platform like Netwealth or Hub or someone like that, because you're the beneficial owner of the investments, we have control and visibility of capital gains tax within the super fund. So normally, you would be pulled in Australian super with everybody, and whatever happens just happens. Now because we have control and visibility, if we are selling out of Bennelong, that crystallizes a capital loss. But if we wanna update some other options who have had a gain, we can offset the loss and the gain together to reduce the capital gains tax to update the whole portfolio. So that's part of what Carl's recommended is not just switching that one option, is to use that as an opportunity to try and improve a few other options as well without impacting you negatively with capital gains tax. Does that make sense? No worries at all. Alright. So I'll put a few notes in the account for the time being about the amended documents to come through. I'll try and get them amended today. If not, probably Monday. Awesome. Do you have any other questions for me so far? Anything at all I can help you with? K. Well, once we send it through, if anything does pop up, of course, email through, text, call. Happy to have another chat with you. No worries at all. Is there any last questions before I let you go? No worries at all. Well, Hina, I do appreciate you taking the time. It was lovely to actually catch up with you again because I remember our chat around Christmas time. Have a fantastic weekend. Thank you. 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afternoon, Hina. It's Tommy here, senior adviser from Oakview. How have you been? That is no worries at all. It's a beautiful, fantastic Friday.\n\nIt was quite sunny, but started raining on the Gold Coast. How's it at in Victoria? Oh, jealous. I do have your inquiry open in front of me, and I've got the advice document that Carl sent through to you. Do you mind if I just go through a quick security check, and then we can dive into it together?\n\nAmazing. Are you okay for this call to be recorded? Perfect. And I'm registered with Asic as adviser 1273105. Just for the security of your information, could you please confirm your date of birth and address?\n\nPerfect. Thank you so much for that. So I've just been going through the advice document that Carl sent through to you. I did note that there was a concern about the advice fees. So what I wanted to do today, if it's okay, because we've already had a chat before, I wanna just ask you a few quick questions about a little bit of a repeat on the previous advice, the current advice, and a bit of an option going forward.\n\nCan I just firstly ask you what you were thinking when it came to that advice document? Do you kind of like what he put together? Was the does the plan look pretty good? Yeah. Yes.\n\nCorrect. Yeah. So it's a bit scary to have a big sell down while it's in the negative, that kind of thing. Yeah. Yep.\n\nYeah. So it almost feels like a big proportion of your contributions because, obviously, our fees are percentage base of your balance. So that's what you're kind of looking at and going, oh, this is a decent chunk of what I'm putting in. Yeah. Yeah.\n\nPerfect. Perfect. So the the two things I wanted to kind of go through with you is, obviously, part of our adviser service fee is trying to get you good returns. That's that's a part of it. And if you're gonna be paying that much out of your super, it needs to translate to a good return net of fees.\n\nOtherwise, there's no point having a 1% difference in performance if you're just going to pay 2% in fees or something like that. Right? Yep. And then I've kind of already noted down your previous concerns. Obviously, the original advice to go into the Benelon and then, obviously, the losses that have happened, that's kind of your concerns from the initial advice.\n\nYou're comfortable with the portfolio going forward that we've recommended to kind of switch that into something better and do a bit of a rebalance. Do you remember the the CGT side of it where we were kind of trying to use some of those losses to offset updating the other options. That's amazing. That's 60% is perfect because I don't expect you to, you know, fully grasp it in one conversation. It takes a few years for us to chip away at it together, and part of that is, you know, gradual educating of the clients and and trying to make sure we're both going in the one direction.\n\nSo that's pretty good. So what I can kind of do just to kind of help out if you like is I I've been approved to give you a fee discount for twelve months. So just to sort of see how we go, if you're comfortable, we can reduce that fee for the twelve month period from 1.65% to 1.1, which is about a 33% discount and kind of see if that portfolio then meets your expectations for that year. How does that sound? So it's currently listed as 1.65%, and we can reduce it to 1.1.\n\nSo that's kind of our discount fee. Yeah. Perfect. So what I would love to do is I will get an amended service agreement sent through to you alongside that statement of advice. So that will reflect the fee.\n\nI think we were still wanting to catch up around maybe Christmas time as a bit of an update to see how it was going. Like, we don't have to leave it a full twelve months. Would that be okay? Yep. Awesome.\n\nSo I'll get that update and sent through to you. What I will do is I'll just make a quick amendment to the statement of advice just mentioning the discount. But just for the projection purposes, we're still gonna leave the the 1.65 for because it's a ten year projection, we don't want to assume if you do go back to the normal fee that we're under projecting you, if that makes sense, or overpromising. So I'll leave the projections kind of as is. I'll make an amendment to the service fee for the twelve months.\n\nAnd just remember too, like, if it's not meeting your expectations throughout the year, it's not a lock in contract for twelve months. It is a consent for a maximum of twelve months, and I'll put in for a bit of an updated discussion before the end of the calendar year. Perfect. Yeah. Go for it.\n\nYeah. So one of the cool tricks that we can do when it comes to a wrap platform like Netwealth or Hub or someone like that, because you're the beneficial owner of the investments, we have control and visibility of capital gains tax within the super fund. So normally, you would be pulled in Australian super with everybody, and whatever happens just happens. Now because we have control and visibility, if we are selling out of Bennelong, that crystallizes a capital loss. But if we wanna update some other options who have had a gain, we can offset the loss and the gain together to reduce the capital gains tax to update the whole portfolio.\n\nSo that's part of what Carl's recommended is not just switching that one option, is to use that as an opportunity to try and improve a few other options as well without impacting you negatively with capital gains tax. Does that make sense? No worries at all. Alright. So I'll put a few notes in the account for the time being about the amended documents to come through.\n\nI'll try and get them amended today. If not, probably Monday. Awesome. Do you have any other questions for me so far? Anything at all I can help you with?\n\nK. Well, once we send it through, if anything does pop up, of course, email through, text, call. Happy to have another chat with you. No worries at all. Is there any last questions before I let you go?\n\nNo worries at all. Well, Hina, I do appreciate you taking the time. It was lovely to actually catch up with you again because I remember our chat around Christmas time. Have a fantastic weekend. Thank you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Hina.","start":2.8799999,"end":4.0,"sentiment":"neutral","sentiment_score":0.2561856011549632},{"text":"It's Tommy here, senior adviser from Oakview.","start":4.0,"end":6.16,"sentiment":"neutral","sentiment_score":0.13920626363583974},{"text":"How have you been?","start":6.16,"end":7.14,"sentiment":"neutral","sentiment_score":0.10827033780515194},{"text":"That is no worries at all.","start":10.0,"end":11.28,"sentiment":"positive","sentiment_score":0.5586329251527786},{"text":"It's a beautiful, fantastic Friday.","start":11.28,"end":13.139999,"sentiment":"positive","sentiment_score":0.8112890839576721}],"sentiment":"positive","sentiment_score":0.38337299883365633,"num_words":25,"start":2.8799999,"end":13.139999},{"sentences":[{"text":"It was quite sunny, but started raining on the Gold Coast.","start":13.2,"end":16.154999,"sentiment":"positive","sentiment_score":0.34416395696726715},{"text":"How's it at in Victoria?","start":16.154999,"end":17.935,"sentiment":"neutral","sentiment_score":0.13469366282224654},{"text":"Oh, jealous.","start":18.635,"end":19.535,"sentiment":"neutral","sentiment_score":0.031923018395900726},{"text":"I do have your inquiry open in front of me, and I've got the advice document that Carl sent through to you.","start":21.355,"end":28.35,"sentiment":"neutral","sentiment_score":0.02134010415862907},{"text":"Do you mind if I just go through a quick security check, and then we can dive into it together?","start":28.43,"end":32.61,"sentiment":"neutral","sentiment_score":0.024363700253888964}],"sentiment":"neutral","sentiment_score":0.09133123623517653,"num_words":60,"start":13.2,"end":32.61},{"sentences":[{"text":"Amazing.","start":33.47,"end":33.97,"sentiment":"neutral","sentiment_score":0.1604698896408081},{"text":"Are you okay for this call to be recorded?","start":34.43,"end":36.37,"sentiment":"neutral","sentiment_score":0.057124843613968954},{"text":"Perfect.","start":38.11,"end":38.61,"sentiment":"neutral","sentiment_score":0.26576218008995056},{"text":"And I'm registered with Asic as adviser 1273105.","start":38.75,"end":43.73,"sentiment":"neutral","sentiment_score":0.08925144746899605},{"text":"Just for the security of your information, could you please confirm your date of birth and address?","start":43.895,"end":48.074997,"sentiment":"neutral","sentiment_score":0.04750212457250146}],"sentiment":"neutral","sentiment_score":0.06838620443724924,"num_words":36,"start":33.47,"end":48.074997},{"sentences":[{"text":"Perfect.","start":54.855,"end":55.355,"sentiment":"neutral","sentiment_score":0.2139301598072052},{"text":"Thank you so much for that.","start":55.414997,"end":56.97,"sentiment":"positive","sentiment_score":0.36483410000801086},{"text":"So I've just been going through the advice document that Carl sent through to you.","start":57.050003,"end":60.91,"sentiment":"neutral","sentiment_score":0.08170351708928744},{"text":"I did note that there was a concern about the advice fees.","start":61.21,"end":64.67,"sentiment":"neutral","sentiment_score":-0.06538277181486289},{"text":"So what I wanted to do today, if it's okay, because we've already had a chat before, I wanna just ask you a few quick questions about a little bit of a repeat on the previous advice, the current advice, and a bit of an option going forward.","start":65.21,"end":79.975006,"sentiment":"neutral","sentiment_score":0.01788298743000875}],"sentiment":"neutral","sentiment_score":0.045149727451910336,"num_words":82,"start":54.855,"end":79.975006},{"sentences":[{"text":"Can I just firstly ask you what you were thinking when it came to that advice document?","start":80.355,"end":84.755005,"sentiment":"neutral","sentiment_score":0.014509455793920685},{"text":"Do you kind of like what he put together?","start":84.755005,"end":87.450005,"sentiment":"neutral","sentiment_score":0.015906662576728396},{"text":"Was the does the plan look pretty good?","start":87.450005,"end":89.55,"sentiment":"neutral","sentiment_score":0.054686748422682285},{"text":"Yeah.","start":100.825005,"end":101.325005,"sentiment":"neutral","sentiment_score":-0.0023678503930568695},{"text":"Yes.","start":116.520004,"end":116.92,"sentiment":"neutral","sentiment_score":0.30131250619888306}],"sentiment":"neutral","sentiment_score":0.03128498207984699,"num_words":36,"start":80.355,"end":116.92},{"sentences":[{"text":"Correct.","start":116.92,"end":117.42,"sentiment":"neutral","sentiment_score":0.25285646319389343},{"text":"Yeah.","start":126.535,"end":126.775,"sentiment":"neutral","sentiment_score":-0.1192549765110016},{"text":"So it's a bit scary to have a big sell down while it's in the negative, that kind of thing.","start":126.775,"end":131.195,"sentiment":"negative","sentiment_score":-0.36332044899463656},{"text":"Yeah.","start":132.935,"end":133.435,"sentiment":"neutral","sentiment_score":0.08817050606012344},{"text":"Yep.","start":143.11,"end":143.61,"sentiment":"neutral","sentiment_score":0.0989464670419693}],"sentiment":"neutral","sentiment_score":-0.2894037716711561,"num_words":24,"start":116.92,"end":143.61},{"sentences":[{"text":"Yeah.","start":169.62001,"end":170.1,"sentiment":"neutral","sentiment_score":-0.09326031804084778},{"text":"So it almost feels like a big proportion of your contributions because, obviously, our fees are percentage base of your balance.","start":170.1,"end":177.50499,"sentiment":"neutral","sentiment_score":-0.05507834929795492},{"text":"So that's what you're kind of looking at and going, oh, this is a decent chunk of what I'm putting in.","start":177.50499,"end":182.485,"sentiment":"neutral","sentiment_score":-0.028011469525240716},{"text":"Yeah.","start":204.655,"end":205.155,"sentiment":"neutral","sentiment_score":0.06826967746019363},{"text":"Yeah.","start":219.95001,"end":220.19,"sentiment":"neutral","sentiment_score":0.22607547044754028}],"sentiment":"neutral","sentiment_score":-0.03430669700933827,"num_words":45,"start":169.62001,"end":220.19},{"sentences":[{"text":"Perfect.","start":220.19,"end":220.69,"sentiment":"positive","sentiment_score":0.502521276473999},{"text":"Perfect.","start":220.75,"end":221.15001,"sentiment":"positive","sentiment_score":0.45924609899520874},{"text":"So the the two things I wanted to kind of go through with you is, obviously, part of our adviser service fee is trying to get you good returns.","start":221.15001,"end":230.075,"sentiment":"neutral","sentiment_score":0.22939203859403215},{"text":"That's that's a part of it.","start":230.535,"end":232.135,"sentiment":"positive","sentiment_score":0.36038386821746826},{"text":"And if you're gonna be paying that much out of your super, it needs to translate to a good return net of fees.","start":232.135,"end":239.09999,"sentiment":"positive","sentiment_score":0.3494507838850436}],"sentiment":"neutral","sentiment_score":0.2968967955559492,"num_words":60,"start":220.19,"end":239.09999},{"sentences":[{"text":"Otherwise, there's no point having a 1% difference in performance if you're just going to pay 2% in fees or something like that.","start":239.4,"end":246.76,"sentiment":"neutral","sentiment_score":0.04035456948306249},{"text":"Right?","start":246.76,"end":247.155,"sentiment":"neutral","sentiment_score":0.10079725086688995},{"text":"Yep.","start":248.115,"end":248.515,"sentiment":"neutral","sentiment_score":0.19575154781341553},{"text":"And then I've kind of already noted down your previous concerns.","start":248.515,"end":251.955,"sentiment":"neutral","sentiment_score":0.11317958581176671},{"text":"Obviously, the original advice to go into the Benelon and then, obviously, the losses that have happened, that's kind of your concerns from the initial advice.","start":251.955,"end":260.455,"sentiment":"neutral","sentiment_score":0.020615852796114408}],"sentiment":"neutral","sentiment_score":0.048478895377728246,"num_words":62,"start":239.4,"end":260.455},{"sentences":[{"text":"You're comfortable with the portfolio going forward that we've recommended to kind of switch that into something better and do a bit of a rebalance.","start":261.72,"end":269.1,"sentiment":"neutral","sentiment_score":0.15808434784412384},{"text":"Do you remember the the CGT side of it where we were kind of trying to use some of those losses to offset updating the other options.","start":270.2,"end":277.875,"sentiment":"neutral","sentiment_score":0.006306154860390557},{"text":"That's amazing.","start":283.45502,"end":284.255,"sentiment":"positive","sentiment_score":0.6278519034385681},{"text":"That's 60% is perfect because I don't expect you to, you know, fully grasp it in one conversation.","start":284.255,"end":290.2,"sentiment":"positive","sentiment_score":0.3709399965074327},{"text":"It takes a few years for us to chip away at it together, and part of that is, you know, gradual educating of the clients and and trying to make sure we're both going in the one direction.","start":290.26,"end":302.155,"sentiment":"neutral","sentiment_score":0.29550094353525264}],"sentiment":"neutral","sentiment_score":0.21167304068803788,"num_words":110,"start":261.72,"end":302.155},{"sentences":[{"text":"So that's pretty good.","start":302.155,"end":303.615,"sentiment":"positive","sentiment_score":0.585180252790451},{"text":"So what I can kind of do just to kind of help out if you like is I I've been approved to give you a fee discount for twelve months.","start":304.955,"end":313.68,"sentiment":"neutral","sentiment_score":0.24866573860247929},{"text":"So just to sort of see how we go, if you're comfortable, we can reduce that fee for the twelve month period from 1.65% to 1.1, which is about a 33% discount and kind of see if that portfolio then meets your expectations for that year.","start":313.91998,"end":330.89502,"sentiment":"neutral","sentiment_score":0.309441769576591},{"text":"How does that sound?","start":330.89502,"end":331.95502,"sentiment":"neutral","sentiment_score":0.1947607360780239},{"text":"So it's currently listed as 1.65%, and we can reduce it to 1.1.","start":335.77502,"end":343.37,"sentiment":"neutral","sentiment_score":0.03589646575542597}],"sentiment":"neutral","sentiment_score":0.26062589246280415,"num_words":97,"start":302.155,"end":343.37},{"sentences":[{"text":"So that's kind of our discount fee.","start":343.37,"end":345.38998,"sentiment":"neutral","sentiment_score":0.07440295283283506},{"text":"Yeah.","start":380.775,"end":381.095,"sentiment":"neutral","sentiment_score":0.25846290588378906},{"text":"Perfect.","start":381.095,"end":381.495,"sentiment":"positive","sentiment_score":0.553061842918396},{"text":"So what I would love to do is I will get an amended service agreement sent through to you alongside that statement of advice.","start":381.495,"end":389.915,"sentiment":"neutral","sentiment_score":0.3047745780398448},{"text":"So that will reflect the fee.","start":390.37,"end":392.13,"sentiment":"neutral","sentiment_score":0.21700239181518555}],"sentiment":"neutral","sentiment_score":0.2551012728840877,"num_words":39,"start":343.37,"end":392.13},{"sentences":[{"text":"I think we were still wanting to catch up around maybe Christmas time as a bit of an update to see how it was going.","start":392.13,"end":398.21,"sentiment":"neutral","sentiment_score":0.20201036155223848},{"text":"Like, we don't have to leave it a full twelve months.","start":398.21,"end":400.44998,"sentiment":"neutral","sentiment_score":0.08159627562219446},{"text":"Would that be okay?","start":400.44998,"end":401.43,"sentiment":"neutral","sentiment_score":0.17623667046427727},{"text":"Yep.","start":403.98502,"end":404.225,"sentiment":"positive","sentiment_score":0.33958572149276733},{"text":"Awesome.","start":404.225,"end":404.725,"sentiment":"positive","sentiment_score":0.5676831603050232}],"sentiment":"neutral","sentiment_score":0.1800008008167857,"num_words":42,"start":392.13,"end":404.725},{"sentences":[{"text":"So I'll get that update and sent through to you.","start":404.86502,"end":407.185,"sentiment":"positive","sentiment_score":0.3405937433242798},{"text":"What I will do is I'll just make a quick amendment to the statement of advice just mentioning the discount.","start":407.185,"end":414.085,"sentiment":"neutral","sentiment_score":0.07757938019931317},{"text":"But just for the projection purposes, we're still gonna leave the the 1.65 for because it's a ten year projection, we don't want to assume if you do go back to the normal fee that we're under projecting you, if that makes sense, or overpromising.","start":414.14502,"end":429.58002,"sentiment":"neutral","sentiment_score":0.006018169772707754},{"text":"So I'll leave the projections kind of as is.","start":430.255,"end":432.73502,"sentiment":"neutral","sentiment_score":0.003529751052459081},{"text":"I'll make an amendment to the service fee for the twelve months.","start":432.73502,"end":435.795,"sentiment":"neutral","sentiment_score":0.027296189063539106}],"sentiment":"neutral","sentiment_score":0.058204840679536574,"num_words":96,"start":404.86502,"end":435.795},{"sentences":[{"text":"And just remember too, like, if it's not meeting your expectations throughout the year, it's not a lock in contract for twelve months.","start":435.855,"end":442.255,"sentiment":"neutral","sentiment_score":-0.08404988082854645},{"text":"It is a consent for a maximum of twelve months, and I'll put in for a bit of an updated discussion before the end of the calendar year.","start":442.255,"end":451.59998,"sentiment":"neutral","sentiment_score":0.02742101232122098},{"text":"Perfect.","start":454.3,"end":454.8,"sentiment":"positive","sentiment_score":0.3838897943496704},{"text":"Yeah.","start":456.075,"end":456.23502,"sentiment":"neutral","sentiment_score":0.03932905197143555},{"text":"Go for it.","start":456.23502,"end":457.215,"sentiment":"neutral","sentiment_score":0.024829143037398655}],"sentiment":"neutral","sentiment_score":-0.011922368546947837,"num_words":56,"start":435.855,"end":457.215},{"sentences":[{"text":"Yeah.","start":463.515,"end":463.835,"sentiment":"neutral","sentiment_score":0.02349713444709778},{"text":"So one of the cool tricks that we can do when it comes to a wrap platform like Netwealth or Hub or someone like that, because you're the beneficial owner of the investments, we have control and visibility of capital gains tax within the super fund.","start":463.835,"end":481.66998,"sentiment":"neutral","sentiment_score":0.18756439787862095},{"text":"So normally, you would be pulled in Australian super with everybody, and whatever happens just happens.","start":481.66998,"end":486.73,"sentiment":"neutral","sentiment_score":0.049332949914969504},{"text":"Now because we have control and visibility, if we are selling out of Bennelong, that crystallizes a capital loss.","start":488.095,"end":496.115,"sentiment":"neutral","sentiment_score":0.08212937845995552},{"text":"But if we wanna update some other options who have had a gain, we can offset the loss and the gain together to reduce the capital gains tax to update the whole portfolio.","start":496.975,"end":506.17,"sentiment":"neutral","sentiment_score":0.11251500734325612}],"sentiment":"neutral","sentiment_score":0.1279499136397372,"num_words":115,"start":463.515,"end":506.17},{"sentences":[{"text":"So that's part of what Carl's recommended is not just switching that one option, is to use that as an opportunity to try and improve a few other options as well without impacting you negatively with capital gains tax.","start":508.31,"end":519.815,"sentiment":"neutral","sentiment_score":0.07110189675138547},{"text":"Does that make sense?","start":521.15497,"end":522.295,"sentiment":"neutral","sentiment_score":0.0991499125957489},{"text":"No worries at all.","start":524.115,"end":525.335,"sentiment":"neutral","sentiment_score":0.14955076575279236},{"text":"Alright.","start":525.795,"end":526.295,"sentiment":"neutral","sentiment_score":0.1386689841747284},{"text":"So I'll put a few notes in the account for the time being about the amended documents to come through.","start":526.355,"end":531.57,"sentiment":"neutral","sentiment_score":0.06133883912116289}],"sentiment":"neutral","sentiment_score":0.07548856548964977,"num_words":68,"start":508.31,"end":531.57},{"sentences":[{"text":"I'll try and get them amended today.","start":531.57,"end":533.67,"sentiment":"neutral","sentiment_score":0.03668341014002051},{"text":"If not, probably Monday.","start":534.13,"end":536.14996,"sentiment":"neutral","sentiment_score":-0.001550385495647788},{"text":"Awesome.","start":538.69,"end":539.19,"sentiment":"positive","sentiment_score":0.460068941116333},{"text":"Do you have any other questions for me so far?","start":539.25,"end":541.49,"sentiment":"neutral","sentiment_score":0.21983492523431777},{"text":"Anything at all I can help you with?","start":541.49,"end":543.195,"sentiment":"neutral","sentiment_score":0.13754838332533836}],"sentiment":"neutral","sentiment_score":0.133646252968659,"num_words":30,"start":531.57,"end":543.195},{"sentences":[{"text":"K.","start":548.315,"end":548.635,"sentiment":"neutral","sentiment_score":0.25868046283721924},{"text":"Well, once we send it through, if anything does pop up, of course, email through, text, call.","start":548.635,"end":554.155,"sentiment":"neutral","sentiment_score":0.17943363329943487},{"text":"Happy to have another chat with you.","start":554.155,"end":555.69,"sentiment":"positive","sentiment_score":0.453623218195779},{"text":"No worries at all.","start":558.09,"end":558.89,"sentiment":"neutral","sentiment_score":0.18234816193580627},{"text":"Is there any last questions before I let you go?","start":558.89,"end":561.47003,"sentiment":"neutral","sentiment_score":0.10690800324082375}],"sentiment":"neutral","sentiment_score":0.21238172913973147,"num_words":39,"start":548.315,"end":561.47003},{"sentences":[{"text":"No worries at all.","start":566.89,"end":567.915,"sentiment":"neutral","sentiment_score":0.1347979661077261},{"text":"Well, Hina, I do appreciate you taking the time.","start":567.995,"end":569.83496,"sentiment":"positive","sentiment_score":0.5568683809704251},{"text":"It was lovely to actually catch up with you again because I remember our chat around Christmas time.","start":569.83496,"end":574.415,"sentiment":"positive","sentiment_score":0.5862018739183744},{"text":"Have a fantastic weekend.","start":575.755,"end":576.975,"sentiment":"positive","sentiment_score":0.8162178248167038},{"text":"Thank you.","start":579.51495,"end":580.07495,"sentiment":"positive","sentiment_score":0.723120391368866}],"sentiment":"positive","sentiment_score":0.5625338677216221,"num_words":37,"start":566.89,"end":580.07495},{"sentences":[{"text":"Bye.","start":580.07495,"end":580.57495,"sentiment":"neutral","sentiment_score":-0.087201327085495}],"sentiment":"neutral","sentiment_score":-0.087201327085495,"num_words":1,"start":580.07495,"end":580.57495}]}}]},{"alternatives":[{"transcript":"Hello. This is Tina speaking. Oh, good. Thank you. Thank you so much for your call, Tommy. Oh, is it so nice? Yeah. Yes. Mhmm. Yes. Yep. Absolutely. Yep. Yes. That's fine. Mhmm. Yes. March 28. Mhmm. Yep. Mhmm. Mhmm. Yep. Yep. Yeah. Look. I think yeah. I mentioned this in our previous chat as well, but, you know, these kind of super and shares, it's not obviously my forte, you know, my expertise. So, you know, I was happy to go with the recommendations. And I think last time we also talked about, I guess I think the the the selling of these, you know, big portion of these been a long and stuff. I actually think it was quite scary for me because it's, you know, there's a large portion of 30%, I think, of it, and it's down almost $10,000. So I think yeah. I think the way that you yeah. Yeah. And, you know, and I'm happy for the portfolio to change quite dramatically. And you've explained it to me last time, and I'm happy with this explanation. But, yeah, I guess, like, proportionally, because my pay isn't that, you know, high either. So I think for me, it was quite scary to know of the losses and, you know, considering my I think the annual input for me for super is only around, what was it, was still quite like like 7,000 of those. So to me, like, you felt like, oh, you know, a whole year's, like, contribution kind of felt lost to me. But exactly. Yeah. And I do understand, like, that you guys will be, you know, obviously, charge higher fees and, you know, funds like Australian Super. And I think that was my biggest, I guess, concern just because my balance was quite, you know, not as high, and my contribution's relatively low. So I did feel like it would be easing up by, I guess, fees. So, you know, I'm happy to continue, I guess, you know, for a year with consideration, I guess I guess, without the adviser service fee. And yeah. And then we can review in a email. It's kind of what I was thinking about. Okay. Yeah. Exactly. Yes. Mhmm. Yes. I I feel like I understood, like, 60 percent of that. Yep. Sorry. Sorry. So the what was the service fee? Yep. Yep. One point one. Okay. Okay. I I I can accept that. I think, yeah, you hit on the nail there before when you said, you know, the paying of the, I guess, the fee for the adviser service fee, you know, we prefer to all these things. I mean, every other fees to reflect, I guess, the results. So, yeah, I would love to, yeah, go with that and, yeah, review in perhaps later in the year. Mhmm. Mhmm. Yep. Yes. Yep. Yep. That would be, yeah, preferable. Thank you. Mhmm. Yep. Alright. Yep. That's fine. Yep. Mhmm. Yep. Mhmm. Yep. Sure. Yep. Thank you. And so just one thing, Tommy. I if you could just explain, like, what you said before about the losses to offset whatever that followed. Mhmm. Mhmm. Okay. Yes. Okay. Yep. Okay. Yep. Mhmm. Oh, I see. Okay. Yep. Gotcha. Mhmm. Mhmm. Yep. Okay. Sure. Yep. Yes. Thank you for explaining that. Mhmm. Yep. Okay. That's fine. Thank you so much. No. I think you've answered everything for me. Thank you, Tony. Mhmm. Thank you. I really appreciate your help, Tony. No. I'll just, once I receive the document, sign in and send it over. Thank you, Tommy. Yes. You too. Thank you, Tammy. 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This is Tina speaking. Oh, good. Thank you. Thank you so much for your call, Tommy.\n\nOh, is it so nice? Yeah. Yes. Mhmm. Yes.\n\nYep. Absolutely. Yep. Yes. That's fine.\n\nMhmm. Yes. March 28. Mhmm. Yep.\n\nMhmm. Mhmm. Yep. Yep. Yeah.\n\nLook. I think yeah. I mentioned this in our previous chat as well, but, you know, these kind of super and shares, it's not obviously my forte, you know, my expertise. So, you know, I was happy to go with the recommendations. And I think last time we also talked about, I guess I think the the the selling of these, you know, big portion of these been a long and stuff.\n\nI actually think it was quite scary for me because it's, you know, there's a large portion of 30%, I think, of it, and it's down almost $10,000. So I think yeah. I think the way that you yeah. Yeah. And, you know, and I'm happy for the portfolio to change quite dramatically.\n\nAnd you've explained it to me last time, and I'm happy with this explanation. But, yeah, I guess, like, proportionally, because my pay isn't that, you know, high either. So I think for me, it was quite scary to know of the losses and, you know, considering my I think the annual input for me for super is only around, what was it, was still quite like like 7,000 of those. So to me, like, you felt like, oh, you know, a whole year's, like, contribution kind of felt lost to me. But exactly.\n\nYeah. And I do understand, like, that you guys will be, you know, obviously, charge higher fees and, you know, funds like Australian Super. And I think that was my biggest, I guess, concern just because my balance was quite, you know, not as high, and my contribution's relatively low. So I did feel like it would be easing up by, I guess, fees. So, you know, I'm happy to continue, I guess, you know, for a year with consideration, I guess I guess, without the adviser service fee.\n\nAnd yeah. And then we can review in a email. It's kind of what I was thinking about. Okay. Yeah.\n\nExactly. Yes. Mhmm. Yes. I I feel like I understood, like, 60 percent of that.\n\nYep. Sorry. Sorry. So the what was the service fee? Yep.\n\nYep. One point one. Okay. Okay. I I I can accept that.\n\nI think, yeah, you hit on the nail there before when you said, you know, the paying of the, I guess, the fee for the adviser service fee, you know, we prefer to all these things. I mean, every other fees to reflect, I guess, the results. So, yeah, I would love to, yeah, go with that and, yeah, review in perhaps later in the year. Mhmm. Mhmm.\n\nYep. Yes. Yep. Yep. That would be, yeah, preferable.\n\nThank you. Mhmm. Yep. Alright. Yep.\n\nThat's fine. Yep. Mhmm. Yep. Mhmm.\n\nYep. Sure. Yep. Thank you. And so just one thing, Tommy.\n\nI if you could just explain, like, what you said before about the losses to offset whatever that followed. Mhmm. Mhmm. Okay. Yes.\n\nOkay. Yep. Okay. Yep. Mhmm.\n\nOh, I see. Okay. Yep. Gotcha. Mhmm.\n\nMhmm. Yep. Okay. Sure. Yep.\n\nYes. Thank you for explaining that. Mhmm. Yep. Okay.\n\nThat's fine. Thank you so much. No. I think you've answered everything for me. Thank you, Tony.\n\nMhmm. Thank you. I really appreciate your help, Tony. No. I'll just, once I receive the document, sign in and send it over.\n\nThank you, Tommy. Yes. You too. Thank you, Tammy. 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it, and it's down almost $10,000.","start":115.53,"end":124.765,"sentiment":"neutral","sentiment_score":-0.1619964460177081},{"text":"So I think yeah.","start":124.765,"end":126.685005,"sentiment":"neutral","sentiment_score":-0.1433771438896656},{"text":"I think the way that you yeah.","start":126.685005,"end":132.365,"sentiment":"neutral","sentiment_score":-0.18921131108488357},{"text":"Yeah.","start":132.365,"end":132.865,"sentiment":"neutral","sentiment_score":0.017255917191505432},{"text":"And, you know, and I'm happy for the portfolio to change quite dramatically.","start":133.005,"end":137.41,"sentiment":"positive","sentiment_score":0.5266762719704554}],"sentiment":"neutral","sentiment_score":0.008116211531297216,"num_words":53,"start":115.53,"end":137.41},{"sentences":[{"text":"And you've explained it to me last time, and I'm happy with this explanation.","start":138.27,"end":142.21,"sentiment":"positive","sentiment_score":0.48659536455358776},{"text":"But, yeah, I guess, like, proportionally, because my pay isn't that, you know, high either.","start":143.71,"end":148.525,"sentiment":"neutral","sentiment_score":-0.1546079471707344},{"text":"So I think for me, it was quite scary to know of the losses and, you know, considering my I think the annual input for me for super is only around, what was it, was still quite like like 7,000 of those.","start":148.525,"end":163.81,"sentiment":"negative","sentiment_score":-0.3763503290358044},{"text":"So to me, like, you felt like, oh, you know, a whole year's, like, contribution kind of felt lost to me.","start":163.81,"end":168.95,"sentiment":"negative","sentiment_score":-0.3432556518486568},{"text":"But exactly.","start":170.37001,"end":174.80501,"sentiment":"neutral","sentiment_score":-0.056173352524638176}],"sentiment":"neutral","sentiment_score":-0.1982363118849536,"num_words":94,"start":138.27,"end":174.80501},{"sentences":[{"text":"Yeah.","start":182.625,"end":183.125,"sentiment":"neutral","sentiment_score":-0.026427289471030235},{"text":"And I do understand, like, that you guys will be, you know, obviously, charge higher fees and, you know, funds like Australian Super.","start":183.185,"end":191.82,"sentiment":"neutral","sentiment_score":-0.0879523937145005},{"text":"And I think that was my biggest, I guess, concern just because my balance was quite, you know, not as high, and my contribution's relatively low.","start":192.12,"end":200.6,"sentiment":"neutral","sentiment_score":-0.1710815203304474},{"text":"So I did feel like it would be easing up by, I guess, fees.","start":200.6,"end":204.00499,"sentiment":"neutral","sentiment_score":-0.048814196937850544},{"text":"So, you know, I'm happy to continue, I guess, you know, for a year with consideration, I guess I guess, without the adviser service fee.","start":205.42499,"end":212.965,"sentiment":"neutral","sentiment_score":0.24507333636283873}],"sentiment":"neutral","sentiment_score":-0.01184289012983274,"num_words":89,"start":182.625,"end":212.965},{"sentences":[{"text":"And yeah.","start":214.33,"end":215.05,"sentiment":"neutral","sentiment_score":0.11077364161610603},{"text":"And then we can review in a email.","start":215.05,"end":216.89,"sentiment":"neutral","sentiment_score":0.11306558549404144},{"text":"It's kind of what I was thinking about.","start":216.89,"end":219.07,"sentiment":"neutral","sentiment_score":0.09090237226337194},{"text":"Okay.","start":224.89,"end":225.39,"sentiment":"neutral","sentiment_score":0.027765650302171707},{"text":"Yeah.","start":239.785,"end":240.18,"sentiment":"neutral","sentiment_score":0.109172523021698}],"sentiment":"neutral","sentiment_score":0.09951145593076945,"num_words":20,"start":214.33,"end":240.18},{"sentences":[{"text":"Exactly.","start":246.9,"end":247.4,"sentiment":"neutral","sentiment_score":0.17866772413253784},{"text":"Yes.","start":247.54,"end":248.04,"sentiment":"neutral","sentiment_score":0.19141893088817596},{"text":"Mhmm.","start":255.54,"end":255.915,"sentiment":"neutral","sentiment_score":0.024029184132814407},{"text":"Yes.","start":278.66,"end":279.16,"sentiment":"neutral","sentiment_score":0.1858346462249756},{"text":"I I feel like I understood, like, 60 percent of that.","start":280.18,"end":283.32,"sentiment":"neutral","sentiment_score":0.23999260501428085}],"sentiment":"neutral","sentiment_score":0.21465794270237287,"num_words":15,"start":246.9,"end":283.32},{"sentences":[{"text":"Yep.","start":316.185,"end":316.685,"sentiment":"neutral","sentiment_score":0.17879736423492432},{"text":"Sorry.","start":333.0,"end":333.32,"sentiment":"neutral","sentiment_score":-0.011390815488994122},{"text":"Sorry.","start":333.32,"end":333.56,"sentiment":"neutral","sentiment_score":-0.02386651560664177},{"text":"So the what was the service fee?","start":333.56,"end":335.42,"sentiment":"neutral","sentiment_score":-0.012221729116780418},{"text":"Yep.","start":339.72,"end":339.975,"sentiment":"neutral","sentiment_score":0.04167657345533371}],"sentiment":"neutral","sentiment_score":0.00906040934337811,"num_words":11,"start":316.185,"end":339.975},{"sentences":[{"text":"Yep.","start":341.655,"end":342.155,"sentiment":"neutral","sentiment_score":0.046247027814388275},{"text":"One point one.","start":343.655,"end":344.795,"sentiment":"neutral","sentiment_score":0.06674057245254517},{"text":"Okay.","start":348.935,"end":349.435,"sentiment":"neutral","sentiment_score":0.05893940478563309},{"text":"Okay.","start":355.71,"end":356.21,"sentiment":"neutral","sentiment_score":0.05903290957212448},{"text":"I I I can accept that.","start":356.43,"end":359.33,"sentiment":"neutral","sentiment_score":0.06949247357745965}],"sentiment":"neutral","sentiment_score":0.06511632508287828,"num_words":12,"start":341.655,"end":359.33},{"sentences":[{"text":"I think, yeah, you hit on the nail there before when you said, you know, the paying of the, I guess, the fee for the adviser service fee, you know, we prefer to all these things.","start":359.79,"end":369.39,"sentiment":"neutral","sentiment_score":-0.03731955991437038},{"text":"I mean, every other fees to reflect, I guess, the results.","start":369.39,"end":372.815,"sentiment":"neutral","sentiment_score":0.010030319236896255},{"text":"So, yeah, I would love to, yeah, go with that and, yeah, review in perhaps later in the year.","start":372.815,"end":380.435,"sentiment":"neutral","sentiment_score":0.30849063553308187},{"text":"Mhmm.","start":386.83,"end":387.33,"sentiment":"neutral","sentiment_score":0.2524874806404114},{"text":"Mhmm.","start":388.19,"end":388.69,"sentiment":"neutral","sentiment_score":0.24397945404052737}],"sentiment":"neutral","sentiment_score":0.0753620347720297,"num_words":68,"start":359.79,"end":388.69},{"sentences":[{"text":"Yep.","start":390.11,"end":390.61,"sentiment":"neutral","sentiment_score":0.21978509426116943},{"text":"Yes.","start":398.19,"end":398.565,"sentiment":"neutral","sentiment_score":0.1314268559217453},{"text":"Yep.","start":400.405,"end":400.645,"sentiment":"neutral","sentiment_score":0.15512137115001678},{"text":"Yep.","start":400.645,"end":401.145,"sentiment":"neutral","sentiment_score":0.15012496709823608},{"text":"That would be, yeah, preferable.","start":401.365,"end":403.045,"sentiment":"neutral","sentiment_score":0.30819432735443114}],"sentiment":"neutral","sentiment_score":0.24415888057814705,"num_words":9,"start":390.11,"end":403.045},{"sentences":[{"text":"Thank you.","start":403.045,"end":403.785,"sentiment":"positive","sentiment_score":0.6026336550712585},{"text":"Mhmm.","start":411.365,"end":411.865,"sentiment":"neutral","sentiment_score":0.04960964620113373},{"text":"Yep.","start":414.66998,"end":415.16998,"sentiment":"neutral","sentiment_score":0.0355774462223053},{"text":"Alright.","start":428.365,"end":428.765,"sentiment":"neutral","sentiment_score":0.03581460937857628},{"text":"Yep.","start":428.765,"end":429.085,"sentiment":"neutral","sentiment_score":-0.03165481984615326}],"sentiment":"neutral","sentiment_score":0.21576903201639652,"num_words":6,"start":403.045,"end":429.085},{"sentences":[{"text":"That's fine.","start":429.085,"end":429.825,"sentiment":"neutral","sentiment_score":0.07773414999246597},{"text":"Yep.","start":430.605,"end":431.105,"sentiment":"neutral","sentiment_score":-0.0074063679203391075},{"text":"Mhmm.","start":432.925,"end":433.425,"sentiment":"neutral","sentiment_score":0.04596000909805298},{"text":"Yep.","start":435.885,"end":436.14,"sentiment":"neutral","sentiment_score":0.010489722713828089},{"text":"Mhmm.","start":436.14,"end":436.64,"sentiment":"neutral","sentiment_score":-0.006518061272799969}],"sentiment":"neutral","sentiment_score":0.03299893376727899,"num_words":6,"start":429.085,"end":436.64},{"sentences":[{"text":"Yep.","start":444.1125,"end":444.6125,"sentiment":"neutral","sentiment_score":0.0018028070917353032},{"text":"Sure.","start":452.245,"end":452.485,"sentiment":"neutral","sentiment_score":0.1343272626399994},{"text":"Yep.","start":452.485,"end":452.805,"sentiment":"neutral","sentiment_score":0.15649674832820892},{"text":"Thank you.","start":452.805,"end":453.54498,"sentiment":"positive","sentiment_score":0.41824764013290405},{"text":"And so just one thing, Tommy.","start":454.16498,"end":455.685,"sentiment":"neutral","sentiment_score":0.1541352942585945}],"sentiment":"neutral","sentiment_score":0.18672126035248351,"num_words":11,"start":444.1125,"end":455.685},{"sentences":[{"text":"I if you could just explain, like, what you said before about the losses to offset whatever that followed.","start":455.685,"end":462.82498,"sentiment":"neutral","sentiment_score":0.034435728368790525},{"text":"Mhmm.","start":467.21,"end":467.71,"sentiment":"neutral","sentiment_score":0.15277525782585144},{"text":"Mhmm.","start":480.49,"end":480.99,"sentiment":"neutral","sentiment_score":0.05745423212647438},{"text":"Okay.","start":482.365,"end":482.865,"sentiment":"neutral","sentiment_score":0.02925926074385643},{"text":"Yes.","start":485.565,"end":486.065,"sentiment":"neutral","sentiment_score":0.062357403337955475}],"sentiment":"neutral","sentiment_score":0.04157065187135468,"num_words":23,"start":455.685,"end":486.065},{"sentences":[{"text":"Okay.","start":487.245,"end":487.725,"sentiment":"neutral","sentiment_score":0.1216300204396248},{"text":"Yep.","start":487.725,"end":488.225,"sentiment":"neutral","sentiment_score":0.12154075503349304},{"text":"Okay.","start":496.33002,"end":496.81,"sentiment":"neutral","sentiment_score":0.12672625482082367},{"text":"Yep.","start":496.81,"end":497.31,"sentiment":"neutral","sentiment_score":0.12322084605693816},{"text":"Mhmm.","start":506.57,"end":506.81,"sentiment":"neutral","sentiment_score":0.06023447960615158}],"sentiment":"neutral","sentiment_score":0.11067047119140624,"num_words":5,"start":487.245,"end":506.81},{"sentences":[{"text":"Oh, I see.","start":506.81,"end":507.675,"sentiment":"neutral","sentiment_score":0.07271578411261241},{"text":"Okay.","start":507.75497,"end":508.155,"sentiment":"neutral","sentiment_score":0.09401571750640868},{"text":"Yep.","start":508.155,"end":508.655,"sentiment":"neutral","sentiment_score":0.11621646583080292},{"text":"Gotcha.","start":508.715,"end":509.215,"sentiment":"neutral","sentiment_score":0.11319541186094284},{"text":"Mhmm.","start":512.315,"end":512.815,"sentiment":"neutral","sentiment_score":0.11342720687389374}],"sentiment":"neutral","sentiment_score":0.09357173634426934,"num_words":7,"start":506.81,"end":512.815},{"sentences":[{"text":"Mhmm.","start":516.385,"end":516.635,"sentiment":"neutral","sentiment_score":0.04441829398274422},{"text":"Yep.","start":516.635,"end":517.135,"sentiment":"neutral","sentiment_score":0.04850216954946518},{"text":"Okay.","start":519.595,"end":519.96,"sentiment":"neutral","sentiment_score":0.06683005392551422},{"text":"Sure.","start":520.44,"end":520.94,"sentiment":"neutral","sentiment_score":0.08970777690410614},{"text":"Yep.","start":521.24005,"end":521.74005,"sentiment":"neutral","sentiment_score":0.08914896100759506}],"sentiment":"neutral","sentiment_score":0.06772145107388497,"num_words":5,"start":516.385,"end":521.74005},{"sentences":[{"text":"Yes.","start":522.12,"end":522.44,"sentiment":"neutral","sentiment_score":0.1568373143672943},{"text":"Thank you for explaining that.","start":522.44,"end":523.98004,"sentiment":"positive","sentiment_score":0.4120813250541687},{"text":"Mhmm.","start":529.4,"end":529.9,"sentiment":"neutral","sentiment_score":0.047639425843954086},{"text":"Yep.","start":531.32,"end":531.82,"sentiment":"neutral","sentiment_score":0.03302580118179321},{"text":"Okay.","start":536.535,"end":536.935,"sentiment":"neutral","sentiment_score":0.11110115796327592}],"sentiment":"neutral","sentiment_score":0.26766781384746235,"num_words":9,"start":522.12,"end":536.935},{"sentences":[{"text":"That's fine.","start":536.935,"end":537.57495,"sentiment":"neutral","sentiment_score":0.2564442306756973},{"text":"Thank you so much.","start":537.57495,"end":538.63495,"sentiment":"positive","sentiment_score":0.6124769300222397},{"text":"No.","start":545.255,"end":545.495,"sentiment":"neutral","sentiment_score":0.0498216450214386},{"text":"I think you've answered everything for me.","start":545.495,"end":547.175,"sentiment":"neutral","sentiment_score":0.13940113091043063},{"text":"Thank you, Tony.","start":547.175,"end":552.97003,"sentiment":"neutral","sentiment_score":0.30285168687502545}],"sentiment":"neutral","sentiment_score":0.28805769432116957,"num_words":17,"start":536.935,"end":552.97003},{"sentences":[{"text":"Mhmm.","start":553.43005,"end":553.93005,"sentiment":"neutral","sentiment_score":0.12219032645225524},{"text":"Thank you.","start":555.75,"end":556.23004,"sentiment":"positive","sentiment_score":0.43551620841026306},{"text":"I really appreciate your help, Tony.","start":556.23004,"end":557.85004,"sentiment":"positive","sentiment_score":0.5493501623471578},{"text":"No.","start":562.15,"end":562.47003,"sentiment":"neutral","sentiment_score":0.06522360444068909},{"text":"I'll just, once I receive the document, sign in and send it over.","start":562.47003,"end":566.185,"sentiment":"neutral","sentiment_score":0.09597336730131736}],"sentiment":"neutral","sentiment_score":0.24357396072667578,"num_words":23,"start":553.43005,"end":566.185},{"sentences":[{"text":"Thank you, Tommy.","start":572.24506,"end":573.22504,"sentiment":"positive","sentiment_score":0.3441303571065267},{"text":"Yes.","start":577.125,"end":577.47894,"sentiment":"positive","sentiment_score":0.6793407201766968},{"text":"You too.","start":577.55896,"end":577.67896,"sentiment":"positive","sentiment_score":0.654458224773407},{"text":"Thank you, Tammy.","start":577.67896,"end":578.29895,"sentiment":"positive","sentiment_score":0.767346461613973},{"text":"Bye.","start":578.8389,"end":579.3389,"sentiment":"positive","sentiment_score":0.5464803576469421}],"sentiment":"positive","sentiment_score":0.5869167983531952,"num_words":10,"start":572.24506,"end":579.3389}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. This is Tina speaking.\n\nChannel 0: Good afternoon, Hina. It's Tommy here, senior adviser from Oakview. How have you been?\n\nChannel 1: Oh, good. Thank you. Thank you so much for your call, Tommy.\n\nChannel 0: That is no worries at all. It's a beautiful, fantastic Friday. It was quite sunny, but started raining on the Gold Coast. How's it\n\nChannel 1: Oh,\n\nChannel 0: at\n\nChannel 1: is it so\n\nChannel 0: in\n\nChannel 1: nice?\n\nChannel 0: Victoria?\n\nChannel 1: Yeah.\n\nChannel 0: Oh, jealous. I do have your inquiry open in front\n\nChannel 1: Yes.\n\nChannel 0: of\n\nChannel 1: Mhmm.\n\nChannel 0: me, and I've got the advice document that Carl sent through to you.\n\nChannel 1: Yes.\n\nChannel 0: Do you mind\n\nChannel 1: Yep.\n\nChannel 0: if I just go through a quick security check, and then we can dive into\n\nChannel 1: Absolutely.\n\nChannel 0: it together?\n\nChannel 1: Yep.\n\nChannel 0: Amazing. Are you okay for this call to be recorded?\n\nChannel 1: Yes. That's fine.\n\nChannel 0: Perfect. And I'm registered with Asic as adviser 1273105. Just for the security of your information, could\n\nChannel 1: Mhmm.\n\nChannel 0: you please confirm your date of birth and address?\n\nChannel 1: Yes. March 28.\n\nChannel 0: Perfect. Thank you so much for that. So I've just been going through the advice document that Carl sent through to you. I did note that there was a concern about the advice fees.\n\nChannel 1: Mhmm.\n\nChannel 0: So what I wanted to do today, if it's okay, because we've already had a chat before, I wanna just ask you a few quick questions about\n\nChannel 1: Yep.\n\nChannel 0: a little bit of a repeat on the previous advice, the\n\nChannel 1: Mhmm.\n\nChannel 0: current advice, and\n\nChannel 1: Mhmm.\n\nChannel 0: a bit of\n\nChannel 1: Yep.\n\nChannel 0: an option going forward. Can I just firstly ask you what you were thinking when it came to that advice document?\n\nChannel 1: Yep.\n\nChannel 0: Do you kind of like what he put together? Was the does the plan look pretty good?\n\nChannel 1: Yeah. Look. I think yeah. I mentioned this in our previous chat as well, but, you know, these kind of super and shares, it's not obviously my forte, you know, my\n\nChannel 0: Yeah.\n\nChannel 1: expertise. So, you know, I was happy to go with the recommendations. And I think last time we also talked about, I guess I think the the the selling of these, you know, big portion of these been a long and stuff. I actually think\n\nChannel 0: Yes.\n\nChannel 1: it was quite\n\nChannel 0: Correct.\n\nChannel 1: scary for me because it's, you know, there's a large portion of 30%, I think, of it, and it's down almost $10,000. So I think yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I think\n\nChannel 0: So it's\n\nChannel 1: the way\n\nChannel 0: a\n\nChannel 1: that\n\nChannel 0: bit\n\nChannel 1: you\n\nChannel 0: scary to have a big sell down while it's in the negative, that kind of thing.\n\nChannel 1: yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: And, you know, and I'm happy for the portfolio to change quite dramatically. And you've explained it to me last time, and I'm happy with this explanation.\n\nChannel 0: Yep.\n\nChannel 1: But, yeah, I guess, like, proportionally, because my pay isn't that, you know, high either. So I think for me, it was quite scary to know of the losses and, you know, considering my I think the annual input for me for super is only around, what was it, was still quite like like 7,000 of those. So to me, like, you felt like, oh, you know, a whole year's, like, contribution kind of felt lost to me.\n\nChannel 0: Yeah. So it\n\nChannel 1: But\n\nChannel 0: almost feels like a big proportion of your contributions because,\n\nChannel 1: exactly.\n\nChannel 0: obviously, our fees are percentage base of your balance. So that's what you're kind of looking at and going, oh, this is a decent chunk of what I'm putting in.\n\nChannel 1: Yeah. And I do understand, like, that you guys will be, you know, obviously, charge higher fees and, you know, funds like Australian Super. And I think that was my biggest, I guess, concern just because my balance was quite, you know, not as high, and my contribution's relatively low. So I did feel like it would be easing up by, I guess, fees.\n\nChannel 0: Yeah.\n\nChannel 1: So, you know, I'm happy to continue, I guess, you know, for a year with consideration, I guess I guess, without the adviser service fee. And yeah. And then we can review in a email. It's kind of what I was thinking about.\n\nChannel 0: Yeah. Perfect. Perfect. So the the two things I wanted to kind of go through with you is, obviously,\n\nChannel 1: Okay.\n\nChannel 0: part of our adviser service fee is trying to get you good returns. That's that's a part of it. And if you're gonna be paying that much out of your super, it needs to translate to a good return net of fees. Otherwise,\n\nChannel 1: Yeah.\n\nChannel 0: there's no point having a 1% difference in performance if you're just going to pay 2% in fees or something like that. Right?\n\nChannel 1: Exactly. Yes.\n\nChannel 0: Yep. And then I've kind of already noted down your previous concerns. Obviously, the original advice to go into the Benelon and then,\n\nChannel 1: Mhmm.\n\nChannel 0: obviously, the losses that have happened, that's kind of your concerns from the initial advice. You're comfortable with the portfolio going forward that we've recommended to kind of switch that into something better and do a bit of a rebalance. Do you remember the the CGT side of it where we were kind of trying to use some of those losses to offset updating the other options.\n\nChannel 1: Yes. I I feel like I understood, like, 60 percent of that.\n\nChannel 0: That's amazing. That's 60% is perfect because I don't expect you to, you know, fully grasp it in one conversation. It takes a few years for us to chip away at it together, and part of that is, you know, gradual educating of the clients and and trying to make sure we're both going in the one direction. So that's pretty good. So what I can kind of do just to kind of help out if you like is I I've been approved to give you a fee discount for twelve months.\n\nSo just to sort of see how we go, if\n\nChannel 1: Yep.\n\nChannel 0: you're comfortable, we can reduce that fee for the twelve month period from 1.65% to 1.1, which is about a 33% discount and kind of see if that portfolio then meets your expectations for that year. How does that sound?\n\nChannel 1: Sorry. Sorry. So the what was the service fee?\n\nChannel 0: So it's currently listed as 1.65%,\n\nChannel 1: Yep.\n\nChannel 0: and we can\n\nChannel 1: Yep.\n\nChannel 0: reduce it to 1.1. So that's\n\nChannel 1: One\n\nChannel 0: kind\n\nChannel 1: point\n\nChannel 0: of our\n\nChannel 1: one.\n\nChannel 0: discount fee.\n\nChannel 1: Okay. Okay. I I I can accept that. I think, yeah, you hit on the nail there before when you said, you know, the paying of the, I guess, the fee for the adviser service fee, you know, we prefer to all these things. I mean, every other fees to reflect, I guess, the results.\n\nSo, yeah, I would love to, yeah, go with that and, yeah, review in perhaps later in the year.\n\nChannel 0: Yeah. Perfect. So what I would love to do is I will get an amended service agreement\n\nChannel 1: Mhmm.\n\nChannel 0: sent through to you alongside\n\nChannel 1: Mhmm.\n\nChannel 0: that statement of advice.\n\nChannel 1: Yep.\n\nChannel 0: So that will reflect the fee. I think we were still wanting to catch up around maybe Christmas time as a bit of an update to see how it was going.\n\nChannel 1: Yes.\n\nChannel 0: Like, we don't have to leave it a full twelve months.\n\nChannel 1: Yep.\n\nChannel 0: Would that\n\nChannel 1: Yep.\n\nChannel 0: be okay?\n\nChannel 1: That would be, yeah, preferable. Thank you.\n\nChannel 0: Yep. Awesome. So I'll get that update and sent through to you. What I will do is I'll just make a quick amendment to the statement of advice\n\nChannel 1: Mhmm.\n\nChannel 0: just mentioning the discount. But\n\nChannel 1: Yep.\n\nChannel 0: just for the projection purposes, we're still gonna leave the the 1.65 for because it's a ten year projection, we don't want to assume if you do go back to the normal fee that we're under projecting you, if that makes\n\nChannel 1: Alright.\n\nChannel 0: sense,\n\nChannel 1: Yep.\n\nChannel 0: or overpromising.\n\nChannel 1: That's fine.\n\nChannel 0: So I'll leave\n\nChannel 1: Yep.\n\nChannel 0: the projections kind of as is. I'll\n\nChannel 1: Mhmm.\n\nChannel 0: make an amendment to the service fee for the twelve months. And\n\nChannel 1: Yep.\n\nChannel 0: just\n\nChannel 1: Mhmm.\n\nChannel 0: remember too, like, if it's not meeting your expectations throughout the year, it's not a lock in contract for twelve months. It is a consent for\n\nChannel 1: Yep.\n\nChannel 0: a maximum of twelve months, and I'll put in for a bit of an updated discussion before the end of the calendar year.\n\nChannel 1: Sure. Yep. Thank you. And\n\nChannel 0: Perfect.\n\nChannel 1: so just one thing, Tommy. I\n\nChannel 0: Yeah. Go\n\nChannel 1: if\n\nChannel 0: for\n\nChannel 1: you\n\nChannel 0: it.\n\nChannel 1: could just explain, like, what you said before about the losses to offset whatever that followed.\n\nChannel 0: Yeah. So one of the cool tricks that we can do when it comes to a\n\nChannel 1: Mhmm.\n\nChannel 0: wrap platform like Netwealth or Hub or someone like that, because you're the beneficial owner of the investments, we have control and visibility of capital gains tax\n\nChannel 1: Mhmm.\n\nChannel 0: within the super fund. So normally, you would\n\nChannel 1: Okay.\n\nChannel 0: be pulled in Australian super with everybody, and whatever\n\nChannel 1: Yes.\n\nChannel 0: happens just happens.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Now because we have control and visibility, if we are selling out of Bennelong, that crystallizes a capital loss.\n\nChannel 1: Okay. Yep.\n\nChannel 0: But if we wanna update some other options who have had a gain, we can offset the loss and the gain together to reduce the capital gains tax to update the whole portfolio.\n\nChannel 1: Mhmm. Oh, I see. Okay. Yep.\n\nChannel 0: So that's\n\nChannel 1: Gotcha.\n\nChannel 0: part of what Carl's recommended is not just switching that one option, is\n\nChannel 1: Mhmm.\n\nChannel 0: to use that as an opportunity to try and improve a few other options as well\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: without impacting you negatively with capital gains tax.\n\nChannel 1: Okay. Sure.\n\nChannel 0: Does\n\nChannel 1: Yep.\n\nChannel 0: that make sense?\n\nChannel 1: Yes. Thank you for explaining that.\n\nChannel 0: No worries at all. Alright. So I'll put a few notes in the account for the time being\n\nChannel 1: Mhmm.\n\nChannel 0: about the amended documents to come\n\nChannel 1: Yep.\n\nChannel 0: through. I'll try and get them amended today. If not, probably Monday.\n\nChannel 1: Okay. That's fine. Thank you so much.\n\nChannel 0: Awesome. Do you have any other questions for me so far? Anything at all I can help you with?\n\nChannel 1: No. I think you've answered everything for me. Thank you,\n\nChannel 0: K. Well, once we send it through, if anything does pop up, of course, email\n\nChannel 1: Tony.\n\nChannel 0: through, text,\n\nChannel 1: Mhmm.\n\nChannel 0: call. Happy to have another chat with you.\n\nChannel 1: Thank you. I really appreciate your help, Tony.\n\nChannel 0: No worries at all. Is there any last questions before I let you go?\n\nChannel 1: No. I'll just, once I receive the document, sign in and send it over.\n\nChannel 0: No worries at all. Well, Hina, I do appreciate you taking the time. It was lovely to actually catch up with you again because I remember\n\nChannel 1: Thank\n\nChannel 0: our\n\nChannel 1: you,\n\nChannel 0: chat\n\nChannel 1: Tommy.\n\nChannel 0: around Christmas time. Have a fantastic weekend.\n\nChannel 1: Yes. You too. Thank you, Tammy. Bye.\n\nChannel 0: Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.56,"end":1.04,"sentiment":"neutral","sentiment_score":0.02744624763727188},{"text":"This is Tina speaking.","start":1.04,"end":2.02,"sentiment":"neutral","sentiment_score":0.030006032437086105}],"sentiment":"neutral","sentiment_score":0.02949407547712326,"channel":1,"num_words":5,"start":0.56,"end":2.02},{"sentences":[{"text":"Good afternoon, Hina.","start":2.8799999,"end":4.0,"sentiment":"neutral","sentiment_score":0.2561856011549632},{"text":"It's Tommy here, senior adviser from Oakview.","start":4.0,"end":6.16,"sentiment":"neutral","sentiment_score":0.13920626363583974},{"text":"How have you been?","start":6.16,"end":7.14,"sentiment":"neutral","sentiment_score":0.10827033780515194}],"sentiment":"neutral","sentiment_score":0.15543442858116968,"channel":0,"num_words":14,"start":2.8799999,"end":7.14},{"sentences":[{"text":"Oh, 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appreciate your help, Tony.","start":556.23004,"end":557.85004,"sentiment":"positive","sentiment_score":0.5493501623471578}],"sentiment":"positive","sentiment_score":0.5208916738629341,"channel":1,"num_words":8,"start":555.75,"end":557.85004},{"sentences":[{"text":"No worries at all.","start":558.09,"end":558.89,"sentiment":"neutral","sentiment_score":0.18234816193580627},{"text":"Is there any last questions before I let you go?","start":558.89,"end":561.47003,"sentiment":"neutral","sentiment_score":0.10690800324082375}],"sentiment":"neutral","sentiment_score":0.12846233429653303,"channel":0,"num_words":14,"start":558.09,"end":561.47003},{"sentences":[{"text":"No.","start":562.15,"end":562.47003,"sentiment":"neutral","sentiment_score":0.06522360444068909},{"text":"I'll just, once I receive the document, sign in and send it over.","start":562.47003,"end":566.185,"sentiment":"neutral","sentiment_score":0.09597336730131736}],"sentiment":"neutral","sentiment_score":0.09377695566841535,"channel":1,"num_words":14,"start":562.15,"end":566.185},{"sentences":[{"text":"No worries at all.","start":566.89,"end":567.915,"sentiment":"neutral","sentiment_score":0.1347979661077261},{"text":"Well, Hina, I do appreciate you taking the time.","start":567.995,"end":569.83496,"sentiment":"positive","sentiment_score":0.5568683809704251},{"text":"It was lovely to actually catch up with you again because I remember","start":569.83496,"end":572.315,"sentiment":"positive","sentiment_score":0.6467576393714318}],"sentiment":"positive","sentiment_score":0.5368791001920517,"channel":0,"num_words":26,"start":566.89,"end":572.315},{"sentences":[{"text":"Thank","start":572.24506,"end":572.48505,"sentiment":"positive","sentiment_score":0.34600019454956055}],"sentiment":"positive","sentiment_score":0.34600019454956055,"channel":1,"num_words":1,"start":572.24506,"end":572.48505},{"sentences":[{"text":"our","start":572.315,"end":572.555,"sentiment":"positive","sentiment_score":0.515855610370636}],"sentiment":"positive","sentiment_score":0.515855610370636,"channel":0,"num_words":1,"start":572.315,"end":572.555},{"sentences":[{"text":"you,","start":572.48505,"end":572.72504,"sentiment":"positive","sentiment_score":0.5055740475654602}],"sentiment":"positive","sentiment_score":0.5055740475654602,"channel":1,"num_words":1,"start":572.48505,"end":572.72504},{"sentences":[{"text":"chat","start":572.555,"end":573.035,"sentiment":"positive","sentiment_score":0.5315980911254883}],"sentiment":"positive","sentiment_score":0.5315980911254883,"channel":0,"num_words":1,"start":572.555,"end":573.035},{"sentences":[{"text":"Tommy.","start":572.72504,"end":573.22504,"sentiment":"neutral","sentiment_score":0.18081682920455933}],"sentiment":"neutral","sentiment_score":0.18081682920455933,"channel":1,"num_words":1,"start":572.72504,"end":573.22504},{"sentences":[{"text":"around Christmas time.","start":573.035,"end":574.415,"sentiment":"positive","sentiment_score":0.3654435724020004},{"text":"Have a fantastic weekend.","start":575.755,"end":576.975,"sentiment":"positive","sentiment_score":0.8162178248167038}],"sentiment":"positive","sentiment_score":0.6230288594961166,"channel":0,"num_words":7,"start":573.035,"end":576.975},{"sentences":[{"text":"Yes.","start":577.125,"end":577.47894,"sentiment":"positive","sentiment_score":0.6793407201766968},{"text":"You too.","start":577.55896,"end":577.67896,"sentiment":"positive","sentiment_score":0.654458224773407},{"text":"Thank you, Tammy.","start":577.67896,"end":578.29895,"sentiment":"positive","sentiment_score":0.767346461613973},{"text":"Bye.","start":578.8389,"end":579.3389,"sentiment":"positive","sentiment_score":0.5464803576469421}],"sentiment":"positive","sentiment_score":0.6909681303160531,"channel":1,"num_words":7,"start":577.125,"end":579.3389},{"sentences":[{"text":"Thank you.","start":579.51495,"end":580.07495,"sentiment":"positive","sentiment_score":0.723120391368866},{"text":"Bye.","start":580.07495,"end":580.57495,"sentiment":"neutral","sentiment_score":-0.087201327085495}],"sentiment":"positive","sentiment_score":0.453013151884079,"channel":0,"num_words":3,"start":579.51495,"end":580.57495}]},"summary":{"result":"success","short":"A senior adviser from Oakview named Tommy speaks with Hina, a hesitant customer who questions the advice. Tommy suggests switching to a better option and rebalancing the portfolio, but Hina still hesitant. The agent reassures Hina that fees are percentage based and charges higher fees and funds like Australian Super. The agent offers to review Hina's concerns and reduce fees for a twelve-month period. They also discuss a service agreement and a new fee discount for Hina's portfolio. The speaker explains that they have control and visibility of capital gains tax and suggests using the service as an opportunity to improve other options. Hina thanks the speaker and ends the call."},"intents":{"segments":[{"text":"And, you know, and I'm happy for the portfolio to change quite dramatically. And you've explained it to me last time, and I'm happy with this explanation. Yep.","start_word":417,"end_word":444,"intents":[{"intent":"Review portfolio changes","confidence_score":0.25080824}]},{"text":"You're comfortable with the portfolio going forward that we've recommended to kind of switch that into something better and do a bit of a rebalance.","start_word":804,"end_word":828,"intents":[{"intent":"Negotiate portfolio changes","confidence_score":0.00026539262}]},{"text":"I think, yeah, you hit on the nail there before when you said, you know, the paying of the, I guess, the fee for the adviser service fee, you know, we prefer to all these things. I mean, every other fees to reflect, I guess, the results. So, yeah, I would love to, yeah, go with that and, yeah, review in perhaps later in the year. Yeah.","start_word":1054,"end_word":1120,"intents":[{"intent":"Give advice on how to keep service fee","confidence_score":5.7822067e-8}]},{"text":"So, yeah, I would love to, yeah, go with that and, yeah, review in perhaps later in the year.","start_word":1100,"end_word":1118,"intents":[{"intent":"Express desire for update","confidence_score":0.0067620897}]},{"text":"So what I would love to do is I will get an amended service agreement Mhmm. sent through to you alongside Mhmm. that statement of advice. Yep.","start_word":1121,"end_word":1147,"intents":[{"intent":"Review service agreement amendment","confidence_score":0.013732355},{"intent":"Propose new service fee amendment","confidence_score":0.0001761452}]},{"text":"So what I would love to do is I will get an amended service agreement Mhmm. sent through to you alongside Mhmm. that statement of advice. Yep. So that will reflect the fee. I think we were still wanting to catch up around maybe Christmas time as a bit of an update to see how it was going.","start_word":1121,"end_word":1178,"intents":[{"intent":"Request update on account","confidence_score":0.000006748649}]},{"text":"remember too, like, if it's not meeting your expectations throughout the year, it's not a lock in contract for twelve months. It is a consent for Yep. a maximum of twelve months, and I'll put in for a bit of an updated discussion before the end of the calendar year. Sure. Yep.","start_word":1314,"end_word":1365,"intents":[{"intent":"Plan discussion before calendar year","confidence_score":0.0049982686}]},{"text":"Do you have any other questions for me so far? Anything at all I can help you with?","start_word":1629,"end_word":1646,"intents":[{"intent":"Ask questions","confidence_score":0.00064919604}]}]},"sentiments":{"segments":[{"text":"Hello. This is Tina speaking. Good afternoon, Hina. It's Tommy here, senior adviser from Oakview. How have you been?","start_word":0,"end_word":18,"sentiment":"neutral","sentiment_score":0.13238310813903809},{"text":"Oh, good. Thank you. Thank you so much for your call, Tommy. That is no worries at all. It's a beautiful, fantastic Friday. It was quite sunny, but started raining on the Gold Coast.","start_word":19,"end_word":52,"sentiment":"positive","sentiment_score":0.5625019073486328},{"text":"How's it Oh, at is it so in nice? Victoria? Yeah. Oh, jealous. I do have your inquiry open in front Yes. of Mhmm. me, and I've got the advice document that Carl sent through to you. Yes. Do you mind Yep. if I just go through a quick security check, and then we can dive into Absolutely. it together? Yep. Amazing. Are you okay for this call to be recorded? Yes. That's fine. Perfect. And I'm registered with Asic as adviser 1273105. Just for the security of your information, could Mhmm. you please confirm your date of birth and address? Yes. March 28. Perfect.","start_word":53,"end_word":157,"sentiment":"neutral","sentiment_score":0.05895892158150673},{"text":"Thank you so much for that.","start_word":158,"end_word":163,"sentiment":"positive","sentiment_score":0.36242714524269104},{"text":"So I've just been going through the advice document that Carl sent through to you. I did note that there was a concern about the advice fees. Mhmm. So what I wanted to do today, if it's okay, because we've already had a chat before, I wanna just ask you a few quick questions about Yep. a little bit of a repeat on the previous advice, the Mhmm. current advice, and Mhmm. a bit of Yep. an option going forward. Can I just firstly ask you what you were thinking when it came to that advice document? Yep. Do you kind of like what he put together? Was the does the plan look pretty good? Yeah. Look. I think yeah. I mentioned this in our previous chat as well, but, you know, these kind of super and shares, it's not obviously my forte, you know, my Yeah. expertise. So, you know, I was happy to go with the recommendations. And I think last time we also talked about, I guess I think the the the selling of these, you know, big portion of these been a long and stuff. I actually think Yes. it was quite Correct. scary for me because it's, you know, there's a large portion of 30%, I think, of it, and it's down almost $10,000. So I think yeah. Yeah. I think So it's the way a that bit you scary to have a big sell down while it's in the negative, that kind of thing. yeah. Yeah. Yeah.","start_word":164,"end_word":416,"sentiment":"neutral","sentiment_score":-0.04133946498995831},{"text":"And, you know, and I'm happy for the portfolio to change quite dramatically. And you've explained it to me last time, and I'm happy with this explanation.","start_word":417,"end_word":443,"sentiment":"positive","sentiment_score":0.5021189451217651},{"text":"Yep. But, yeah, I guess, like, proportionally, because my pay isn't that, you know, high either.","start_word":444,"end_word":459,"sentiment":"neutral","sentiment_score":-0.1274995058774948},{"text":"So I think for me, it was quite scary to know of the losses and, you know, considering my I think the annual input for me for super is only around, what was it, was still quite like like 7,000 of those. So to me, like, you felt like, oh, you know, a whole year's, like, contribution kind of felt lost to me.","start_word":460,"end_word":522,"sentiment":"negative","sentiment_score":-0.3602379262447357},{"text":"Yeah. So it But almost feels like a big proportion of your contributions because, exactly. obviously, our fees are percentage base of your balance. So that's what you're kind of looking at and going, oh, this is a decent chunk of what I'm putting in. Yeah. And I do understand, like, that you guys will be, you know, obviously, charge higher fees and, you know, funds like Australian Super. And I think that was my biggest, I guess, concern just because my balance was quite, you know, not as high, and my contribution's relatively low. So I did feel like it would be easing up by, I guess, fees. Yeah. So, you know, I'm happy to continue, I guess, you know, for a year with consideration, I guess I guess, without the adviser service fee. And yeah. And then we can review in a email. It's kind of what I was thinking about. Yeah.","start_word":523,"end_word":676,"sentiment":"neutral","sentiment_score":0.0006718053482472897},{"text":"Perfect. Perfect.","start_word":677,"end_word":678,"sentiment":"positive","sentiment_score":0.4808836877346039},{"text":"So the the two things I wanted to kind of go through with you is, obviously, Okay. part of our adviser service fee is trying to get you good returns.","start_word":679,"end_word":708,"sentiment":"neutral","sentiment_score":0.22321191529432932},{"text":"That's that's a part of it. And if you're gonna be paying that much out of your super, it needs to translate to a good return net of fees.","start_word":709,"end_word":737,"sentiment":"positive","sentiment_score":0.3543543219566345},{"text":"Otherwise, Yeah. there's no point having a 1% difference in performance if you're just going to pay 2% in fees or something like that. Right? Exactly. Yes. Yep. And then I've kind of already noted down your previous concerns. Obviously, the original advice to go into the Benelon and then, Mhmm. obviously, the losses that have happened, that's kind of your concerns from the initial advice. You're comfortable with the portfolio going forward that we've recommended to kind of switch that into something better and do a bit of a rebalance. Do you remember the the CGT side of it where we were kind of trying to use some of those losses to offset updating the other options. Yes. I I feel like I understood, like, 60 percent of that.","start_word":738,"end_word":867,"sentiment":"neutral","sentiment_score":0.08371783047914505},{"text":"That's amazing. That's 60% is perfect because I don't expect you to, you know, fully grasp it in one conversation.","start_word":868,"end_word":887,"sentiment":"positive","sentiment_score":0.41720050573349},{"text":"It takes a few years for us to chip away at it together, and part of that is, you know, gradual educating of the clients and and trying to make sure we're both going in the one direction.","start_word":888,"end_word":925,"sentiment":"neutral","sentiment_score":0.30279994010925293},{"text":"So that's pretty good.","start_word":926,"end_word":929,"sentiment":"positive","sentiment_score":0.5899614095687866},{"text":"So what I can kind of do just to kind of help out if you like is I I've been approved to give you a fee discount for twelve months. So just to sort of see how we go, if Yep. you're comfortable, we can reduce that fee for the twelve month period from 1.65% to 1.1, which is about a 33% discount and kind of see if that portfolio then meets your expectations for that year. How does that sound? Sorry. Sorry. So the what was the service fee? So it's currently listed as 1.65%, Yep. and we can Yep. reduce it to 1.1. So that's One kind point of our one. discount fee. Okay. Okay. I I I can accept that. I think, yeah, you hit on the nail there before when you said, you know, the paying of the, I guess, the fee for the adviser service fee, you know, we prefer to all these things. I mean, every other fees to reflect, I guess, the results. So, yeah, I would love to, yeah, go with that and, yeah, review in perhaps later in the year. Yeah.","start_word":930,"end_word":1119,"sentiment":"neutral","sentiment_score":0.14598745915450548},{"text":"Perfect.","start_word":1120,"end_word":1120,"sentiment":"positive","sentiment_score":0.553061842918396},{"text":"So what I would love to do is I will get an amended service agreement Mhmm. sent through to you alongside Mhmm. that statement of advice. Yep. So that will reflect the fee. I think we were still wanting to catch up around maybe Christmas time as a bit of an update to see how it was going. Yes. Like, we don't have to leave it a full twelve months. Yep. Would that Yep. be okay? That would be, yeah, preferable.","start_word":1121,"end_word":1201,"sentiment":"neutral","sentiment_score":0.21812883019447327},{"text":"Thank you. Yep. Awesome. So I'll get that update and sent through to you.","start_word":1202,"end_word":1215,"sentiment":"positive","sentiment_score":0.3985937237739563},{"text":"What I will do is I'll just make a quick amendment to the statement of advice Mhmm. just mentioning the discount. But Yep. just for the projection purposes, we're still gonna leave the the 1.65 for because it's a ten year projection, we don't want to assume if you do go back to the normal fee that we're under projecting you, if that makes Alright. sense, Yep. or overpromising. That's fine. So I'll leave Yep. the projections kind of as is. I'll Mhmm. make an amendment to the service fee for the twelve months. And Yep. just Mhmm. remember too, like, if it's not meeting your expectations throughout the year, it's not a lock in contract for twelve months. It is a consent for Yep. a maximum of twelve months, and I'll put in for a bit of an updated discussion before the end of the calendar year. Sure. Yep.","start_word":1216,"end_word":1365,"sentiment":"neutral","sentiment_score":0.01001459639519453},{"text":"Thank you. And Perfect.","start_word":1366,"end_word":1369,"sentiment":"positive","sentiment_score":0.38841530680656433},{"text":"so just one thing, Tommy. I Yeah. Go if for you it. could just explain, like, what you said before about the losses to offset whatever that followed. Yeah. So one of the cool tricks that we can do when it comes to a Mhmm. wrap platform like Netwealth or Hub or someone like that, because you're the beneficial owner of the investments, we have control and visibility of capital gains tax Mhmm. within the super fund. So normally, you would Okay. be pulled in Australian super with everybody, and whatever Yes. happens just happens. Okay. Yep. Now because we have control and visibility, if we are selling out of Bennelong, that crystallizes a capital loss. Okay. Yep. But if we wanna update some other options who have had a gain, we can offset the loss and the gain together to reduce the capital gains tax to update the whole portfolio. Mhmm. Oh, I see. Okay. Yep. So that's Gotcha. part of what Carl's recommended is not just switching that one option, is Mhmm. to use that as an opportunity to try and improve a few other options as well Mhmm. Yep. without impacting you negatively with capital gains tax. Okay. Sure. Does Yep. that make sense? Yes.","start_word":1370,"end_word":1577,"sentiment":"neutral","sentiment_score":0.09912224499007258},{"text":"Thank you for explaining that.","start_word":1578,"end_word":1582,"sentiment":"positive","sentiment_score":0.405249297618866},{"text":"No worries at all. Alright. So I'll put a few notes in the account for the time being Mhmm. about the amended documents to come Yep. through. I'll try and get them amended today. If not, probably Monday. Okay. That's fine.","start_word":1583,"end_word":1623,"sentiment":"neutral","sentiment_score":0.07810507714748383},{"text":"Thank you so much. Awesome.","start_word":1624,"end_word":1628,"sentiment":"positive","sentiment_score":0.5653667449951172},{"text":"Do you have any other questions for me so far? Anything at all I can help you with? No. I think you've answered everything for me. Thank you, K. Well, once we send it through, if anything does pop up, of course, email Tony. through, text, Mhmm. call.","start_word":1629,"end_word":1676,"sentiment":"neutral","sentiment_score":0.1754860877990723},{"text":"Happy to have another chat with you. Thank you. I really appreciate your help, Tony.","start_word":1677,"end_word":1691,"sentiment":"positive","sentiment_score":0.4901982247829437},{"text":"No worries at all. Is there any last questions before I let you go? No. I'll just, once I receive the document, sign in and send it over. No worries at all.","start_word":1692,"end_word":1723,"sentiment":"neutral","sentiment_score":0.111836276948452},{"text":"Well, Hina, I do appreciate you taking the time. It was lovely to actually catch up with you again because I remember Thank our you, chat Tommy. around Christmas time. Have a fantastic weekend. Yes. You too. Thank you, Tammy. Bye. Thank you. Bye.","start_word":1724,"end_word":1767,"sentiment":"positive","sentiment_score":0.5904299061406743}],"average":{"sentiment":"neutral","sentiment_score":0.10566958731924889}}}}