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Is now still a good time for you? Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you? Perfect. And just to confirm I am speaking with the right person, I do have a password on file. Do you know what that might be? Yep. Perfect. That's the one. And how's your morning been so far? Been busy or just kind of getting started? Oh, that's nice. Well, I will try not to take up too much of your time off. Now, Rob, I've just sent you an email with the documents to go through. Do you have access to your emails at the moment? Yep. Perfect. Now we have just swapped over to a new software as well. So if it does look a little bit different, just let me know if you do struggle through OpenEdge. Yep. The Swan a l a arms. Yes. Now with that one, it's up to you. You can either click on the link right away, and it will open up the documents to run through. Or if you want to scroll down before clicking on the link, you'll also see all the attachments as well, which should also have the same copy to make it easy and then all the supporting document that kind of goes with it as well. Yeah. Perfect. So if you can click on that link, it shall then open up the actual statement of advice. And just let me know if you can see that one okay. Yep. You can see that okay? Yep. Perfect. Now on the front page here, you can obviously see that this has been prepared just for you. Now it is valid for sixty days as well from when it was prepared. So if you do want a little bit of time to have a think about it, what you wanna do, there is time, but, otherwise, it does expire after sixty days. You'll also have my authorized representative details listed there for for you, and then, obviously, all our contact details and where we're located and everything like that. Now on the next page, you will just see the best interest you to outline. So, obviously, we have to make sure that we take your best interest at heart before anything else, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we cannot actually make the recommendation. Does that make sense? Yep. Perfect. Now next couple of pages, table content, pretty self explanatory. You'll also see scope of advice, and that is just outlining the areas we are looking at today. It is pretty straightforward. The only things we are kind of looking at today is just your superannuation investment and specifically just making sure that we added a bit of gold through your portfolio. Yep. Perfect. We're not making any changes to insurances or anything like that. You were quite happy with everything. So it's literally just your superannuation. So nice and easy today. Perfect. Now as you kind of scroll through, you'll see a couple of pages about you. Just some information, if you can have a read through that just to make sure it's all up to date or if we need to make any changes in the back end. And then you also have this lifestyle assets and liabilities listed for you as well. Again, if you could just have a quick read over it just to make sure it's all up to date. Okay. Yep. So the top table, sorry, is your assets. Yes. Yep. Yeah. No. Because I did update that last time that it's you only have the mortgage at least from when we spoke last. Okay. Perfect. I will update that. It won't change the advice we're doing, but I'll still update that to $5.30. Did you take out a bit of equity in the house? Or Yep. Yep. Yep. Perfect. So 05:30. Any other changes? That's great. Next page, you will see just your current superannuation insurance outlined for you. You have your super in hub 24, and you do have some life and total permanent disability insurance with ClearView. Yep. Perfect. Now on the next page, I will let you have a read over that in your own time, the next two pages, because we did go through that last time when we kind of went through, you know, how you feel about risk and fluctuation, and you are quite comfortable. Yeah. Perfect. So I'll skip all of that for you, which then takes me to page 10. Can you see that okay? It can be page 11 if it factors in the cover page, but, otherwise, page number. Yep. So this here is I have recommended that we retain your hub twenty four and just change your investment. So I did do quite a bit of research on hub twenty four and other competitors as well just to make sure that hub twenty four is still going to be the best option for you, and it's still very much competitive within the market with price and features and investment flexibility. I use 24 for my personal super as well, and it's definitely still a very competitive option for you. So not making any changes there for you. Yep. Perfect. As you kind of scroll through and, again, I'll let you have a read over that in your own time. But with any recommendation, there are obviously advantages, disadvantages, and risks to be mindful of. The biggest thing is just obviously changing the investment, which I will go through in the next couple of pages on, you know, fees and stuff like that. But a risk to be mindful of is that there's always a level of risk associated with any investment option. Yep. Yep. Perfect. Now that then takes us through the investment change table, which is page 13. Can you see that okay? Yep. Yep. Perfect. Now from memory, you're pretty across most of investments and stuff like that, so I won't go through too much unless you want me to. But I have recommend, yeah, I have recommended that we change your investment. So we are changing all of the investments over for you through a little bit new kind of updated investment, still very much aligning with your high growth aggressive, focusing on maximizing growth as much as possible. But as you would know as well, obviously, everything are always changing in the market and in the world, and it's always important to keep updating that for you. Also, because we wanted to add gold to your portfolio. So in order to fit that one in, obviously, make some tweaks and changes to your investment. So the investment philosophy, the concept, it all stays the same. We're still very much following that course that a lot approach to investment. And at the bottom there, you will see the red is the ones we are selling out of. So that is your current investment. And then the bottom there is what we are adding. So you will see that the the biggest allocation is what we would call your allocation is what we would call your core investment. So they form the core of their portfolio. So you'll have the S and P 500 and the BetaShares Australia 200. Obviously, give you a well diversified portfolio. Obviously, you don't wanna be targeting just one market. But then through want to obviously focus on maximizing growth and give you that exposure. You will see that 9% has been added to iShares Europe, 5% to iShares Japan, and then 8% to Vanguard or World, but excluding The US because you already have exposure through The US in that iShares S and P 500. Yep. You have 7% of gold added to the portfolio and then just 5% of our defensive investments just fixed interest there for you. So similar fluctuations a little bit, but mainly focusing on maximizing that growth. Do you have any questions with the investments or anything like that? No. Yep. Perfect. In the appendix, which was the attachments in the email as well, there is investment links. So if it is that you do want to go and read up on these a bit more, it's all there for you as well. Yes. Perfect. Now the next page for you there, Rob, you will see the risk profile like I mentioned. You will see your existing versus the proposed, just really a minor change in it, and that is mainly because we're obviously adding gold and changing the portfolio, but still very much focusing on maximizing that growth. Yep. Yep. Perfect. Now on the next page, you will then see page 15 where it says let me see here. The little table with all the numbers. Can you see that? Yep. So that one here shows you your current situation and the recommended. Now I do wanna highlight at the top where you see the difference in the balance. The reason is that because we are obviously selling a buying investment or more so selling investments for you, because some of your investments have gone up, which is great, there is a little bit of capital gains tax that will be paid within super environment for you to make that change. So when we did the math, it was about 733. It can obviously change on the daily, but that will be roughly the cost to make the investment change for you so that you are aware. Yep. Perfect. Now as you can see, you will see, obviously, all the fees and everything like that, not making any changes to the contribution. Advise the fee stays the same. Insurance does all stays the same. But by actually making some changes to those investments for you, you will see that the total cost is actually a little bit cheaper, which is good just from chop stopping some of those investments out. Yep. Perfect. Now you can then also see the invest the five year rolling average. So you can see your current portfolio and the recommended. We do use the five year rolling average to give you a bit more certainty of what's happened in the market and the world as well. Because otherwise, you know, some years, it would have looks like you've won the lottery, whereas other years, not good. So we use five year rolling. Yeah. Exactly. So by making the change, if we just use at the five year rolling average, the new portfolio has outperformed your old one, and it's also cheaper. That is looking at the five year rolling average. But on the next page, you will actually see the returns broken down in a bit more detail for you. So you see twelve months, three years, five years, and ten years. And you can see that even throughout all of it, it still has outperformed. Yep. Perfect. At the top of that table, you will also see we've just kind of projected that forward for you for five and ten years to see kind of roughly where things would be at if, obviously, everything continues the same way. Yep. Perfect. Now the next page just shows your ongoing service. You obviously would be aware of that. We do the annual reviews. But if you need any assistance or need anything else in the meantime, you can always give me a call or send me an email, and we can obviously, you know, talk of different areas and stuff like that as well. Yep. Perfect. The last thing is just the on page 19, that is just the ongoing advice fee. So like I said, no changes whatsoever through the ongoing advice fee. It stays exactly the same at 1.65. And, obviously, if you wanna go ahead and make these change, like I said, there is no additional fees or anything like that. It's all part of the service. And underneath that, you'll also see your current ClearView policy. We do get 22% ongoing premium for having the insurances, but that is ClearView paying us. It is not you paying us. But for compliance, we need to disclose all the commissions we received so you are fully aware. Yeah. Perfect. And that is essentially it. It is summarized on the kind of last page, the authority to proceed, and that is if you're happy to go ahead and make this change, if you want to sign the documents, then I can let the team know. Oh, perfect. Beat me to it. And then I will let them know, and we'll just go and make that switch for you. And that was essentially everything. So it was nice and easy today. I will, let the team know that you're happy with this change. We will go ahead and make it, and you will see that in your hub twenty four account, as well. Yep. Perfect. Do you have any other questions or anything for me otherwise? Yep. Great. Perfect. Well, I will let you go, and enjoy the rest of your day. If there is anything you need, though, don't hesitate to give me a call. No problem at all. You have a lovely rest of your day. You too. 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morning, Rob. This is Veronica from Financial. How are you this morning? That's great. I had you booked in to run over the strategy recommendation after our last conversation.\n\nIs now still a good time for you? Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you? Perfect.\n\nAnd just to confirm I am speaking with the right person, I do have a password on file. Do you know what that might be? Yep. Perfect. That's the one.\n\nAnd how's your morning been so far? Been busy or just kind of getting started? Oh, that's nice. Well, I will try not to take up too much of your time off. Now, Rob, I've just sent you an email with the documents to go through.\n\nDo you have access to your emails at the moment? Yep. Perfect. Now we have just swapped over to a new software as well. So if it does look a little bit different, just let me know if you do struggle through OpenEdge.\n\nYep. The Swan a l a arms. Yes. Now with that one, it's up to you. You can either click on the link right away, and it will open up the documents to run through.\n\nOr if you want to scroll down before clicking on the link, you'll also see all the attachments as well, which should also have the same copy to make it easy and then all the supporting document that kind of goes with it as well. Yeah. Perfect. So if you can click on that link, it shall then open up the actual statement of advice. And just let me know if you can see that one okay.\n\nYep. You can see that okay? Yep. Perfect. Now on the front page here, you can obviously see that this has been prepared just for you.\n\nNow it is valid for sixty days as well from when it was prepared. So if you do want a little bit of time to have a think about it, what you wanna do, there is time, but, otherwise, it does expire after sixty days. You'll also have my authorized representative details listed there for for you, and then, obviously, all our contact details and where we're located and everything like that. Now on the next page, you will just see the best interest you to outline. So, obviously, we have to make sure that we take your best interest at heart before anything else, and the advice itself has to put you in a better position as a result of the advice.\n\nOtherwise, we cannot actually make the recommendation. Does that make sense? Yep. Perfect. Now next couple of pages, table content, pretty self explanatory.\n\nYou'll also see scope of advice, and that is just outlining the areas we are looking at today. It is pretty straightforward. The only things we are kind of looking at today is just your superannuation investment and specifically just making sure that we added a bit of gold through your portfolio. Yep. Perfect.\n\nWe're not making any changes to insurances or anything like that. You were quite happy with everything. So it's literally just your superannuation. So nice and easy today. Perfect.\n\nNow as you kind of scroll through, you'll see a couple of pages about you. Just some information, if you can have a read through that just to make sure it's all up to date or if we need to make any changes in the back end. And then you also have this lifestyle assets and liabilities listed for you as well. Again, if you could just have a quick read over it just to make sure it's all up to date. Okay.\n\nYep. So the top table, sorry, is your assets. Yes. Yep. Yeah.\n\nNo. Because I did update that last time that it's you only have the mortgage at least from when we spoke last. Okay. Perfect. I will update that.\n\nIt won't change the advice we're doing, but I'll still update that to $5.30. Did you take out a bit of equity in the house? Or Yep. Yep. Yep.\n\nPerfect. So 05:30. Any other changes? That's great. Next page, you will see just your current superannuation insurance outlined for you.\n\nYou have your super in hub 24, and you do have some life and total permanent disability insurance with ClearView. Yep. Perfect. Now on the next page, I will let you have a read over that in your own time, the next two pages, because we did go through that last time when we kind of went through, you know, how you feel about risk and fluctuation, and you are quite comfortable. Yeah.\n\nPerfect. So I'll skip all of that for you, which then takes me to page 10. Can you see that okay? It can be page 11 if it factors in the cover page, but, otherwise, page number. Yep.\n\nSo this here is I have recommended that we retain your hub twenty four and just change your investment. So I did do quite a bit of research on hub twenty four and other competitors as well just to make sure that hub twenty four is still going to be the best option for you, and it's still very much competitive within the market with price and features and investment flexibility. I use 24 for my personal super as well, and it's definitely still a very competitive option for you. So not making any changes there for you. Yep.\n\nPerfect. As you kind of scroll through and, again, I'll let you have a read over that in your own time. But with any recommendation, there are obviously advantages, disadvantages, and risks to be mindful of. The biggest thing is just obviously changing the investment, which I will go through in the next couple of pages on, you know, fees and stuff like that. But a risk to be mindful of is that there's always a level of risk associated with any investment option.\n\nYep. Yep. Perfect. Now that then takes us through the investment change table, which is page 13. Can you see that okay?\n\nYep. Yep. Perfect. Now from memory, you're pretty across most of investments and stuff like that, so I won't go through too much unless you want me to. But I have recommend, yeah, I have recommended that we change your investment.\n\nSo we are changing all of the investments over for you through a little bit new kind of updated investment, still very much aligning with your high growth aggressive, focusing on maximizing growth as much as possible. But as you would know as well, obviously, everything are always changing in the market and in the world, and it's always important to keep updating that for you. Also, because we wanted to add gold to your portfolio. So in order to fit that one in, obviously, make some tweaks and changes to your investment. So the investment philosophy, the concept, it all stays the same.\n\nWe're still very much following that course that a lot approach to investment. And at the bottom there, you will see the red is the ones we are selling out of. So that is your current investment. And then the bottom there is what we are adding. So you will see that the the biggest allocation is what we would call your allocation is what we would call your core investment.\n\nSo they form the core of their portfolio. So you'll have the S and P 500 and the BetaShares Australia 200. Obviously, give you a well diversified portfolio. Obviously, you don't wanna be targeting just one market. But then through want to obviously focus on maximizing growth and give you that exposure.\n\nYou will see that 9% has been added to iShares Europe, 5% to iShares Japan, and then 8% to Vanguard or World, but excluding The US because you already have exposure through The US in that iShares S and P 500. Yep. You have 7% of gold added to the portfolio and then just 5% of our defensive investments just fixed interest there for you. So similar fluctuations a little bit, but mainly focusing on maximizing that growth. Do you have any questions with the investments or anything like that?\n\nNo. Yep. Perfect. In the appendix, which was the attachments in the email as well, there is investment links. So if it is that you do want to go and read up on these a bit more, it's all there for you as well.\n\nYes. Perfect. Now the next page for you there, Rob, you will see the risk profile like I mentioned. You will see your existing versus the proposed, just really a minor change in it, and that is mainly because we're obviously adding gold and changing the portfolio, but still very much focusing on maximizing that growth. Yep.\n\nYep. Perfect. Now on the next page, you will then see page 15 where it says let me see here. The little table with all the numbers. Can you see that?\n\nYep. So that one here shows you your current situation and the recommended. Now I do wanna highlight at the top where you see the difference in the balance. The reason is that because we are obviously selling a buying investment or more so selling investments for you, because some of your investments have gone up, which is great, there is a little bit of capital gains tax that will be paid within super environment for you to make that change. So when we did the math, it was about 733.\n\nIt can obviously change on the daily, but that will be roughly the cost to make the investment change for you so that you are aware. Yep. Perfect. Now as you can see, you will see, obviously, all the fees and everything like that, not making any changes to the contribution. Advise the fee stays the same.\n\nInsurance does all stays the same. But by actually making some changes to those investments for you, you will see that the total cost is actually a little bit cheaper, which is good just from chop stopping some of those investments out. Yep. Perfect. Now you can then also see the invest the five year rolling average.\n\nSo you can see your current portfolio and the recommended. We do use the five year rolling average to give you a bit more certainty of what's happened in the market and the world as well. Because otherwise, you know, some years, it would have looks like you've won the lottery, whereas other years, not good. So we use five year rolling. Yeah.\n\nExactly. So by making the change, if we just use at the five year rolling average, the new portfolio has outperformed your old one, and it's also cheaper. That is looking at the five year rolling average. But on the next page, you will actually see the returns broken down in a bit more detail for you. So you see twelve months, three years, five years, and ten years.\n\nAnd you can see that even throughout all of it, it still has outperformed. Yep. Perfect. At the top of that table, you will also see we've just kind of projected that forward for you for five and ten years to see kind of roughly where things would be at if, obviously, everything continues the same way. Yep.\n\nPerfect. Now the next page just shows your ongoing service. You obviously would be aware of that. We do the annual reviews. But if you need any assistance or need anything else in the meantime, you can always give me a call or send me an email, and we can obviously, you know, talk of different areas and stuff like that as well.\n\nYep. Perfect. The last thing is just the on page 19, that is just the ongoing advice fee. So like I said, no changes whatsoever through the ongoing advice fee. It stays exactly the same at 1.65.\n\nAnd, obviously, if you wanna go ahead and make these change, like I said, there is no additional fees or anything like that. It's all part of the service. And underneath that, you'll also see your current ClearView policy. We do get 22% ongoing premium for having the insurances, but that is ClearView paying us. It is not you paying us.\n\nBut for compliance, we need to disclose all the commissions we received so you are fully aware. Yeah. Perfect. And that is essentially it. It is summarized on the kind of last page, the authority to proceed, and that is if you're happy to go ahead and make this change, if you want to sign the documents, then I can let the team know.\n\nOh, perfect. Beat me to it. And then I will let them know, and we'll just go and make that switch for you. And that was essentially everything. So it was nice and easy today.\n\nI will, let the team know that you're happy with this change. We will go ahead and make it, and you will see that in your hub twenty four account, as well. Yep. Perfect. Do you have any other questions or anything for me otherwise?\n\nYep. Great. Perfect. Well, I will let you go, and enjoy the rest of your day. If there is anything you need, though, don't hesitate to give me a call.\n\nNo problem at all. You have a lovely rest of your day. You too. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Rob.","start":2.8799999,"end":3.84,"sentiment":"positive","sentiment_score":0.3793796896934509},{"text":"This is Veronica from Financial.","start":3.84,"end":5.46,"sentiment":"neutral","sentiment_score":0.30328919291496276},{"text":"How are you this morning?","start":5.92,"end":6.98,"sentiment":"neutral","sentiment_score":0.2859951317310333},{"text":"That's great.","start":8.96,"end":9.94,"sentiment":"positive","sentiment_score":0.5019667446613312},{"text":"I had you booked in to run over the strategy recommendation after our last conversation.","start":10.639999,"end":16.244999,"sentiment":"positive","sentiment_score":0.3527066687742869}],"sentiment":"positive","sentiment_score":0.3459698071082433,"num_words":30,"start":2.8799999,"end":16.244999},{"sentences":[{"text":"Is now still a good time for you?","start":16.385,"end":18.005,"sentiment":"positive","sentiment_score":0.34834614396095276},{"text":"Yep.","start":19.425,"end":19.925,"sentiment":"neutral","sentiment_score":0.26900312304496765},{"text":"Perfect.","start":19.985,"end":20.485,"sentiment":"positive","sentiment_score":0.4803619980812073},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you?","start":20.865,"end":28.32,"sentiment":"neutral","sentiment_score":0.06770989647315394},{"text":"Perfect.","start":30.0,"end":30.5,"sentiment":"positive","sentiment_score":0.4051346182823181}],"sentiment":"neutral","sentiment_score":0.14381608766104495,"num_words":42,"start":16.385,"end":30.5},{"sentences":[{"text":"And just to confirm I am speaking with the right person, I do have a password on file.","start":30.72,"end":35.44,"sentiment":"neutral","sentiment_score":0.11686346431573232},{"text":"Do you know what that might be?","start":35.44,"end":36.9,"sentiment":"neutral","sentiment_score":0.045927089772054126},{"text":"Yep.","start":38.4,"end":38.879997,"sentiment":"neutral","sentiment_score":0.117573544383049},{"text":"Perfect.","start":38.879997,"end":39.36,"sentiment":"positive","sentiment_score":0.4028745889663696},{"text":"That's the one.","start":39.36,"end":40.335,"sentiment":"positive","sentiment_score":0.34748687346776325}],"sentiment":"neutral","sentiment_score":0.13293135799467565,"num_words":30,"start":30.72,"end":40.335},{"sentences":[{"text":"And how's your morning been so far?","start":40.415,"end":42.094997,"sentiment":"neutral","sentiment_score":0.14647194743156433},{"text":"Been busy or just kind of getting started?","start":42.094997,"end":44.035,"sentiment":"neutral","sentiment_score":0.022246528882533312},{"text":"Oh, that's nice.","start":48.335,"end":49.215,"sentiment":"neutral","sentiment_score":0.3278219650189082},{"text":"Well, I will try not to take up too much of your time off.","start":49.215,"end":52.274998,"sentiment":"neutral","sentiment_score":-0.05494512617588043},{"text":"Now, Rob, I've just sent you an email with the documents to go through.","start":53.79,"end":58.91,"sentiment":"neutral","sentiment_score":0.029278035275638103}],"sentiment":"neutral","sentiment_score":0.039726140989881496,"num_words":46,"start":40.415,"end":58.91},{"sentences":[{"text":"Do you have access to your emails at the moment?","start":58.91,"end":61.57,"sentiment":"neutral","sentiment_score":0.0017648914828896523},{"text":"Yep.","start":63.79,"end":64.29,"sentiment":"neutral","sentiment_score":0.07443112879991531},{"text":"Perfect.","start":64.75,"end":65.25,"sentiment":"neutral","sentiment_score":0.20116370916366577},{"text":"Now we have just swapped over to a new software as well.","start":66.625,"end":70.785,"sentiment":"neutral","sentiment_score":0.07883651896069448},{"text":"So if it does look a little bit different, just let me know if you do struggle through OpenEdge.","start":70.785,"end":76.325005,"sentiment":"neutral","sentiment_score":-0.0008848272264003754}],"sentiment":"neutral","sentiment_score":0.028429541000446607,"num_words":43,"start":58.91,"end":76.325005},{"sentences":[{"text":"Yep.","start":80.16,"end":80.66,"sentiment":"neutral","sentiment_score":0.014281118288636208},{"text":"The Swan a l a arms.","start":82.240005,"end":87.700005,"sentiment":"neutral","sentiment_score":0.011711469618603587},{"text":"Yes.","start":89.935005,"end":90.435005,"sentiment":"neutral","sentiment_score":0.10560719668865204},{"text":"Now with that one, it's up to you.","start":91.695,"end":93.695,"sentiment":"neutral","sentiment_score":0.12054731789976358},{"text":"You can either click on the link right away, and it will open up the documents to run through.","start":93.695,"end":98.435,"sentiment":"neutral","sentiment_score":0.0945692858413646}],"sentiment":"neutral","sentiment_score":0.0843243459106556,"num_words":35,"start":80.16,"end":98.435},{"sentences":[{"text":"Or if you want to scroll down before clicking on the link, you'll also see all the attachments as well, which should also have the same copy to make it easy and then all the supporting document that kind of goes with it as well.","start":99.135,"end":112.43,"sentiment":"neutral","sentiment_score":0.05764681096706126},{"text":"Yeah.","start":114.97,"end":115.29,"sentiment":"neutral","sentiment_score":0.13171154260635376},{"text":"Perfect.","start":115.29,"end":115.69,"sentiment":"neutral","sentiment_score":0.2616674304008484},{"text":"So if you can click on that link, it shall then open up the actual statement of advice.","start":115.69,"end":119.71,"sentiment":"neutral","sentiment_score":0.12522964872833756},{"text":"And just let me know if you can see that one okay.","start":120.285,"end":122.545,"sentiment":"neutral","sentiment_score":0.04488469505061706}],"sentiment":"neutral","sentiment_score":0.07506799330184986,"num_words":77,"start":99.135,"end":122.545},{"sentences":[{"text":"Yep.","start":124.685,"end":125.185,"sentiment":"neutral","sentiment_score":0.05830249935388565},{"text":"You can see that okay?","start":126.445,"end":127.665,"sentiment":"neutral","sentiment_score":0.07310792505741119},{"text":"Yep.","start":128.845,"end":129.245,"sentiment":"neutral","sentiment_score":0.2117891311645508},{"text":"Perfect.","start":129.245,"end":129.725,"sentiment":"positive","sentiment_score":0.5727928876876831},{"text":"Now on the front page here, you can obviously see that this has been prepared just for you.","start":129.725,"end":134.305,"sentiment":"neutral","sentiment_score":0.259427300757832}],"sentiment":"neutral","sentiment_score":0.22608136758208275,"num_words":26,"start":124.685,"end":134.305},{"sentences":[{"text":"Now it is valid for sixty days as well from when it was prepared.","start":134.59,"end":138.59,"sentiment":"neutral","sentiment_score":0.17641255259513855},{"text":"So if you do want a little bit of time to have a think about it, what you wanna do, there is time, but, otherwise, it does expire after sixty days.","start":138.59,"end":147.01,"sentiment":"neutral","sentiment_score":0.14826839861850585},{"text":"You'll also have my authorized representative details listed there for for you, and then, obviously, all our contact details and where we're located and everything like that.","start":147.255,"end":156.155,"sentiment":"neutral","sentiment_score":0.08698825952079561},{"text":"Now on the next page, you will just see the best interest you to outline.","start":158.375,"end":162.475,"sentiment":"neutral","sentiment_score":0.09902533739805222},{"text":"So, obviously, we have to make sure that we take your best interest at heart before anything else, and the advice itself has to put you in a better position as a result of the advice.","start":163.47,"end":174.05,"sentiment":"neutral","sentiment_score":0.07568767977257569}],"sentiment":"neutral","sentiment_score":0.11077167181585862,"num_words":123,"start":134.59,"end":174.05},{"sentences":[{"text":"Otherwise, we cannot actually make the recommendation.","start":174.27,"end":176.45001,"sentiment":"neutral","sentiment_score":-0.09127287247351237},{"text":"Does that make sense?","start":176.83,"end":177.89,"sentiment":"neutral","sentiment_score":0.022320386953651905},{"text":"Yep.","start":179.11499,"end":179.61499,"sentiment":"neutral","sentiment_score":0.15052422881126404},{"text":"Perfect.","start":179.67499,"end":180.17499,"sentiment":"positive","sentiment_score":0.4310790002346039},{"text":"Now next couple of pages, table content, pretty self explanatory.","start":180.875,"end":184.73499,"sentiment":"neutral","sentiment_score":0.23061466068029404}],"sentiment":"neutral","sentiment_score":0.10165744679777519,"num_words":23,"start":174.27,"end":184.73499},{"sentences":[{"text":"You'll also see scope of advice, and that is just outlining the areas we are looking at today.","start":185.915,"end":191.61499,"sentiment":"neutral","sentiment_score":0.20949395414855745},{"text":"It is pretty straightforward.","start":191.84,"end":193.22,"sentiment":"positive","sentiment_score":0.3472810313105583},{"text":"The only things we are kind of looking at today is just your superannuation investment and specifically just making sure that we added a bit of gold through your portfolio.","start":193.28,"end":202.01999,"sentiment":"neutral","sentiment_score":0.18066651498277983},{"text":"Yep.","start":204.015,"end":204.33499,"sentiment":"neutral","sentiment_score":0.2910696566104889},{"text":"Perfect.","start":204.33499,"end":204.83499,"sentiment":"positive","sentiment_score":0.5158298015594482}],"sentiment":"neutral","sentiment_score":0.21086870754758516,"num_words":54,"start":185.915,"end":204.83499},{"sentences":[{"text":"We're not making any changes to insurances or anything like that.","start":204.89499,"end":207.855,"sentiment":"neutral","sentiment_score":0.18876603923060678},{"text":"You were quite happy with everything.","start":207.855,"end":209.69499,"sentiment":"positive","sentiment_score":0.6864423453807831},{"text":"So it's literally just your superannuation.","start":209.69499,"end":211.555,"sentiment":"positive","sentiment_score":0.5752134323120117},{"text":"So nice and easy today.","start":211.855,"end":213.235,"sentiment":"positive","sentiment_score":0.6909505248069763},{"text":"Perfect.","start":216.67,"end":217.17,"sentiment":"positive","sentiment_score":0.3876127004623413}],"sentiment":"positive","sentiment_score":0.4651284973169195,"num_words":29,"start":204.89499,"end":217.17},{"sentences":[{"text":"Now as you kind of scroll through, you'll see a couple of pages about you.","start":217.31,"end":221.40999,"sentiment":"neutral","sentiment_score":0.1318012222647667},{"text":"Just some information, if you can have a read through that just to make sure it's all up to date or if we need to make any changes in the back end.","start":221.70999,"end":229.17,"sentiment":"neutral","sentiment_score":0.10595154424663633},{"text":"And then you also have this lifestyle assets and liabilities listed for you as well.","start":229.58499,"end":234.625,"sentiment":"neutral","sentiment_score":0.13427952975034713},{"text":"Again, if you could just have a quick read over it just to make sure it's all up to date.","start":234.625,"end":238.405,"sentiment":"neutral","sentiment_score":0.1371140617877245},{"text":"Okay.","start":244.16,"end":244.66,"sentiment":"neutral","sentiment_score":0.02336939051747322}],"sentiment":"neutral","sentiment_score":0.1222567629203739,"num_words":83,"start":217.31,"end":244.66},{"sentences":[{"text":"Yep.","start":251.28,"end":251.68,"sentiment":"neutral","sentiment_score":0.07801102101802826},{"text":"So the top table, sorry, is your 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last.","start":258.85498,"end":263.835,"sentiment":"neutral","sentiment_score":0.011576360801146143},{"text":"Okay.","start":267.495,"end":267.97498,"sentiment":"neutral","sentiment_score":0.1433883011341095},{"text":"Perfect.","start":267.97498,"end":268.47498,"sentiment":"positive","sentiment_score":0.3545421063899994},{"text":"I will update that.","start":268.53497,"end":270.03,"sentiment":"neutral","sentiment_score":0.22043490409851074}],"sentiment":"neutral","sentiment_score":0.05671794493017452,"num_words":28,"start":258.53497,"end":270.03},{"sentences":[{"text":"It won't change the advice we're doing, but I'll still update that to $5.30.","start":270.27,"end":274.21,"sentiment":"neutral","sentiment_score":0.06770895474723407},{"text":"Did you take out a bit of equity in the house?","start":274.43,"end":276.91,"sentiment":"neutral","sentiment_score":-0.021008421074260365},{"text":"Or Yep.","start":276.91,"end":278.61,"sentiment":"neutral","sentiment_score":0.05674344114959239},{"text":"Yep.","start":279.71,"end":280.21,"sentiment":"neutral","sentiment_score":0.007781252264976501},{"text":"Yep.","start":280.59,"end":280.99,"sentiment":"neutral","sentiment_score":0.09783068299293518}],"sentiment":"neutral","sentiment_score":0.03227350180005205,"num_words":29,"start":270.27,"end":280.99},{"sentences":[{"text":"Perfect.","start":280.99,"end":281.49,"sentiment":"neutral","sentiment_score":0.28921380639076233},{"text":"So 05:30.","start":282.43,"end":283.23,"sentiment":"neutral","sentiment_score":0.06407252885401249},{"text":"Any other changes?","start":283.23,"end":284.13,"sentiment":"neutral","sentiment_score":0.003919894807040691},{"text":"That's great.","start":285.895,"end":286.715,"sentiment":"positive","sentiment_score":0.7250790596008301},{"text":"Next page, you will see just your current superannuation insurance outlined for you.","start":287.655,"end":293.015,"sentiment":"neutral","sentiment_score":0.19357350354011243}],"sentiment":"neutral","sentiment_score":0.209320581606811,"num_words":21,"start":280.99,"end":293.015},{"sentences":[{"text":"You have your super in hub 24, and you do have some life and total permanent disability insurance with ClearView.","start":293.015,"end":299.675,"sentiment":"neutral","sentiment_score":0.11822160258889199},{"text":"Yep.","start":301.24,"end":301.74,"sentiment":"neutral","sentiment_score":0.27620193362236023},{"text":"Perfect.","start":301.80002,"end":302.30002,"sentiment":"positive","sentiment_score":0.48682934045791626},{"text":"Now on the next page, I will let you have a read over that in your own time, the next two pages, because we did go through that last time when we kind of went through, you know, how you feel about risk and fluctuation, and you are quite comfortable.","start":302.92,"end":314.7,"sentiment":"neutral","sentiment_score":0.06073434814810753},{"text":"Yeah.","start":315.77502,"end":316.27502,"sentiment":"neutral","sentiment_score":0.059865064918994904}],"sentiment":"neutral","sentiment_score":0.08526090134496558,"num_words":73,"start":293.015,"end":316.27502},{"sentences":[{"text":"Perfect.","start":316.33502,"end":316.815,"sentiment":"neutral","sentiment_score":0.19210216403007507},{"text":"So I'll skip all of that for you, which then takes me to page 10.","start":316.815,"end":321.475,"sentiment":"neutral","sentiment_score":0.0577671247224013},{"text":"Can you see that okay?","start":321.61502,"end":322.755,"sentiment":"neutral","sentiment_score":0.029964607581496237},{"text":"It can be page 11 if it factors in the cover page, but, otherwise, page number.","start":325.77502,"end":330.495,"sentiment":"neutral","sentiment_score":0.0014374348393175749},{"text":"Yep.","start":330.495,"end":330.995,"sentiment":"neutral","sentiment_score":0.03872078284621239}],"sentiment":"neutral","sentiment_score":0.03342504771181235,"num_words":38,"start":316.33502,"end":330.995},{"sentences":[{"text":"So this here is I have recommended that we retain your hub twenty four and just change your investment.","start":331.53,"end":337.44998,"sentiment":"neutral","sentiment_score":0.11129289943920939},{"text":"So I did do quite a bit of research on hub twenty four and other competitors as well just to make sure that hub twenty four is still going to be the best option for you, and it's still very much competitive within the market with price and features and investment flexibility.","start":337.44998,"end":351.185,"sentiment":"positive","sentiment_score":0.4423404039385227},{"text":"I use 24 for my personal super as well, and it's definitely still a very competitive option for you.","start":351.80502,"end":357.405,"sentiment":"positive","sentiment_score":0.6942674674485859},{"text":"So not making any changes there for you.","start":357.405,"end":359.745,"sentiment":"neutral","sentiment_score":0.15790879540145397},{"text":"Yep.","start":360.86002,"end":361.26,"sentiment":"neutral","sentiment_score":0.2299312800168991}],"sentiment":"positive","sentiment_score":0.4020257537262608,"num_words":99,"start":331.53,"end":361.26},{"sentences":[{"text":"Perfect.","start":361.26,"end":361.76,"sentiment":"positive","sentiment_score":0.35342562198638916},{"text":"As you kind of scroll through and, again, I'll let you have a read over that in your own time.","start":362.78,"end":367.12,"sentiment":"neutral","sentiment_score":0.045707476884126665},{"text":"But with any recommendation, there are obviously advantages, disadvantages, and risks to be mindful 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okay?","start":399.24002,"end":400.46002,"sentiment":"neutral","sentiment_score":0.04821145385503769}],"sentiment":"neutral","sentiment_score":0.09300132891671224,"num_words":22,"start":390.2,"end":400.46002},{"sentences":[{"text":"Yep.","start":401.735,"end":402.055,"sentiment":"neutral","sentiment_score":0.04091911390423775},{"text":"Yep.","start":402.055,"end":402.555,"sentiment":"neutral","sentiment_score":0.10508980602025986},{"text":"Perfect.","start":402.695,"end":403.195,"sentiment":"neutral","sentiment_score":0.22390621900558472},{"text":"Now from memory, you're pretty across most of investments and stuff like that, so I won't go through too much unless you want me to.","start":403.895,"end":412.315,"sentiment":"neutral","sentiment_score":0.0781718598306179},{"text":"But I have recommend, yeah, I have recommended that we change your 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in, obviously, make some tweaks and changes to your investment.","start":442.97,"end":447.95,"sentiment":"neutral","sentiment_score":0.16105670175131628},{"text":"So the investment philosophy, the concept, it all stays the same.","start":448.25,"end":452.16998,"sentiment":"neutral","sentiment_score":0.19973768429322677}],"sentiment":"neutral","sentiment_score":0.16956017800391868,"num_words":104,"start":417.17,"end":452.16998},{"sentences":[{"text":"We're still very much following that course that a lot approach to investment.","start":452.16998,"end":455.845,"sentiment":"neutral","sentiment_score":0.19763333579668632},{"text":"And at the bottom there, you will see the red is the ones we are selling out of.","start":457.42502,"end":461.505,"sentiment":"neutral","sentiment_score":0.05820838651723332},{"text":"So that is your current investment.","start":461.505,"end":463.365,"sentiment":"neutral","sentiment_score":0.08224398891131084},{"text":"And then the bottom there is what we are adding.","start":463.98502,"end":466.325,"sentiment":"neutral","sentiment_score":0.06976536400616169},{"text":"So you will see that the the biggest allocation is what we would call your allocation is what we would call your core investment.","start":466.865,"end":472.644,"sentiment":"neutral","sentiment_score":0.1090939041847984}],"sentiment":"neutral","sentiment_score":0.10459655769903894,"num_words":71,"start":452.16998,"end":472.644},{"sentences":[{"text":"So they form the core of their portfolio.","start":472.644,"end":474.58002,"sentiment":"neutral","sentiment_score":0.13519150391221046},{"text":"So you'll have the S and P 500 and the BetaShares Australia 200.","start":474.58002,"end":479.4,"sentiment":"neutral","sentiment_score":0.14725483782016313},{"text":"Obviously, give you a well diversified portfolio.","start":479.62,"end":481.88,"sentiment":"neutral","sentiment_score":0.32762753537722994},{"text":"Obviously, you don't wanna be targeting just one market.","start":482.74,"end":485.08002,"sentiment":"neutral","sentiment_score":0.05677689446343316},{"text":"But then through want to obviously focus on maximizing growth and give you that exposure.","start":485.35498,"end":491.215,"sentiment":"neutral","sentiment_score":0.2645891134937604}],"sentiment":"neutral","sentiment_score":0.18786666198418692,"num_words":52,"start":472.644,"end":491.215},{"sentences":[{"text":"You will see that 9% has been added to iShares Europe, 5% to iShares Japan, and then 8% to Vanguard or World, but excluding The US because you already have exposure through The US in that iShares S and P 500.","start":491.595,"end":505.91998,"sentiment":"neutral","sentiment_score":0.07888279641728575},{"text":"Yep.","start":507.25998,"end":507.75998,"sentiment":"neutral","sentiment_score":0.22524425387382507},{"text":"You have 7% of gold added to the portfolio and then just 5% of our defensive investments just fixed interest there for you.","start":508.21997,"end":516.64496,"sentiment":"neutral","sentiment_score":0.2055763770704684},{"text":"So similar fluctuations a little bit, but mainly focusing on maximizing that growth.","start":516.64496,"end":521.545,"sentiment":"neutral","sentiment_score":0.17372426849145156},{"text":"Do you have any questions with the investments or anything like that?","start":523.445,"end":526.58496,"sentiment":"neutral","sentiment_score":0.12332981390257676}],"sentiment":"neutral","sentiment_score":0.13251187596470118,"num_words":90,"start":491.595,"end":526.58496},{"sentences":[{"text":"No.","start":527.57996,"end":527.98,"sentiment":"neutral","sentiment_score":0.07446423918008804},{"text":"Yep.","start":527.98,"end":528.48,"sentiment":"neutral","sentiment_score":0.21920359134674072},{"text":"Perfect.","start":528.62,"end":529.12,"sentiment":"positive","sentiment_score":0.4498943090438843},{"text":"In the appendix, which was the attachments in the email as well, there is investment links.","start":529.33997,"end":534.94,"sentiment":"neutral","sentiment_score":0.1789226201362908},{"text":"So if it is that you do want to go and read up on these a bit more, it's all there for you as well.","start":534.94,"end":539.775,"sentiment":"neutral","sentiment_score":0.22546755194664}],"sentiment":"neutral","sentiment_score":0.21006847410039467,"num_words":44,"start":527.57996,"end":539.775},{"sentences":[{"text":"Yes.","start":541.135,"end":541.635,"sentiment":"neutral","sentiment_score":0.2880966067314148},{"text":"Perfect.","start":541.695,"end":542.195,"sentiment":"positive","sentiment_score":0.4647677540779114},{"text":"Now the next page for you there, Rob, you will see the risk profile like I mentioned.","start":542.495,"end":547.715,"sentiment":"neutral","sentiment_score":0.11832555186222582},{"text":"You will see your existing versus the proposed, just really a minor change in it, and that is mainly because we're obviously adding gold and changing the portfolio, but still very much focusing on maximizing that growth.","start":548.255,"end":560.1,"sentiment":"neutral","sentiment_score":0.06744890116356514},{"text":"Yep.","start":561.36,"end":561.86,"sentiment":"neutral","sentiment_score":0.05241219326853752}],"sentiment":"neutral","sentiment_score":0.09320035576820374,"num_words":57,"start":541.135,"end":561.86},{"sentences":[{"text":"Yep.","start":562.16,"end":562.63995,"sentiment":"neutral","sentiment_score":0.11819319427013396},{"text":"Perfect.","start":562.63995,"end":563.13995,"sentiment":"positive","sentiment_score":0.3392428755760193},{"text":"Now on the next page, you will then see page 15 where it says let me see here.","start":564.16,"end":572.985,"sentiment":"neutral","sentiment_score":0.08277808295355903},{"text":"The little table with all the numbers.","start":572.985,"end":574.82495,"sentiment":"neutral","sentiment_score":0.07800731382199697},{"text":"Can you see that?","start":574.82495,"end":575.88495,"sentiment":"neutral","sentiment_score":0.06424017064273357}],"sentiment":"neutral","sentiment_score":0.08872430459145576,"num_words":31,"start":562.16,"end":575.88495},{"sentences":[{"text":"Yep.","start":576.425,"end":576.925,"sentiment":"neutral","sentiment_score":0.0757358968257904},{"text":"So that one here shows you your current situation and the recommended.","start":576.985,"end":580.685,"sentiment":"neutral","sentiment_score":0.10195622872561216},{"text":"Now I do wanna highlight at the top where you see the difference in the balance.","start":581.225,"end":585.56494,"sentiment":"neutral","sentiment_score":0.1139388857409358},{"text":"The reason is that because we are obviously selling a buying investment or more so selling investments for you, because some of your investments have gone up, which is great, there is a little bit of capital gains tax that will be paid within super environment for you to make that change.","start":585.95,"end":601.005,"sentiment":"neutral","sentiment_score":0.3000625499452536},{"text":"So when we did the math, it was about 733.","start":601.645,"end":605.245,"sentiment":"neutral","sentiment_score":0.13678053617477418}],"sentiment":"neutral","sentiment_score":0.22080539310207734,"num_words":91,"start":576.425,"end":605.245},{"sentences":[{"text":"It can obviously change on the daily, but that will be roughly the cost to make the investment change for you so that you are aware.","start":605.245,"end":612.225,"sentiment":"neutral","sentiment_score":0.1254593735704055},{"text":"Yep.","start":613.58,"end":614.06,"sentiment":"neutral","sentiment_score":0.3105373978614807},{"text":"Perfect.","start":614.06,"end":614.56,"sentiment":"positive","sentiment_score":0.4783969223499298},{"text":"Now as you can see, you will see, obviously, all the fees and everything like that, not making any changes to the contribution.","start":614.78,"end":620.4,"sentiment":"neutral","sentiment_score":0.21180302358191946},{"text":"Advise the fee stays the same.","start":621.10004,"end":622.7,"sentiment":"neutral","sentiment_score":0.13943519567449889}],"sentiment":"neutral","sentiment_score":0.171209802622335,"num_words":57,"start":605.245,"end":622.7},{"sentences":[{"text":"Insurance does all stays the same.","start":622.7,"end":624.72003,"sentiment":"neutral","sentiment_score":0.1624880184729894},{"text":"But by actually making some changes to those investments for you, you will see that the total cost is actually a little bit cheaper, which is good just from chop stopping some of those investments out.","start":625.02,"end":636.185,"sentiment":"positive","sentiment_score":0.37963014075325596},{"text":"Yep.","start":637.605,"end":638.08496,"sentiment":"neutral","sentiment_score":0.2104735821485519},{"text":"Perfect.","start":638.08496,"end":638.58496,"sentiment":"positive","sentiment_score":0.41761553287506104},{"text":"Now you can then also see the invest the five year rolling average.","start":638.88495,"end":644.24,"sentiment":"neutral","sentiment_score":0.17834559828042984}],"sentiment":"neutral","sentiment_score":0.3085648258004272,"num_words":57,"start":622.7,"end":644.24},{"sentences":[{"text":"So you can see your current portfolio and the recommended.","start":644.24,"end":647.62,"sentiment":"neutral","sentiment_score":0.16502421498298644},{"text":"We do use the five year rolling average to give you a bit more certainty of what's happened in the market and the world as 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cheaper.","start":664.185,"end":675.07,"sentiment":"neutral","sentiment_score":0.20010926850416041},{"text":"That is looking at the five year rolling average.","start":675.69,"end":678.17004,"sentiment":"neutral","sentiment_score":-0.017830948034922283},{"text":"But on the next page, you will actually see the returns broken down in a bit more detail for you.","start":678.17004,"end":685.305,"sentiment":"neutral","sentiment_score":0.09724207408726215},{"text":"So you see twelve months, three years, five years, and ten years.","start":685.305,"end":688.685,"sentiment":"neutral","sentiment_score":0.10462670835355918}],"sentiment":"neutral","sentiment_score":0.12365366097377695,"num_words":69,"start":662.505,"end":688.685},{"sentences":[{"text":"And you can see that even throughout all of it, it still has outperformed.","start":688.985,"end":692.845,"sentiment":"neutral","sentiment_score":0.2380033949656146},{"text":"Yep.","start":694.76,"end":695.26,"sentiment":"neutral","sentiment_score":0.29001927375793457},{"text":"Perfect.","start":695.4,"end":695.9,"sentiment":"positive","sentiment_score":0.45886653661727905},{"text":"At the top of that table, you will also see we've just kind of projected that forward for you for five and ten years to see kind of roughly where things would be at if, obviously, everything continues the same way.","start":696.6,"end":707.82,"sentiment":"neutral","sentiment_score":0.19321790210357526},{"text":"Yep.","start":709.35504,"end":709.85504,"sentiment":"positive","sentiment_score":0.6140978336334229}],"sentiment":"neutral","sentiment_score":0.21753388206506596,"num_words":58,"start":688.985,"end":709.85504},{"sentences":[{"text":"Perfect.","start":709.91504,"end":710.41504,"sentiment":"positive","sentiment_score":0.5809037089347839},{"text":"Now the next page just shows your ongoing service.","start":712.635,"end":715.11505,"sentiment":"neutral","sentiment_score":0.1312099653813574},{"text":"You obviously would be aware of that.","start":715.11505,"end":716.79504,"sentiment":"neutral","sentiment_score":0.08297436897243772},{"text":"We do the annual reviews.","start":716.79504,"end":718.09503,"sentiment":"neutral","sentiment_score":0.07370135709643363},{"text":"But if you need any assistance or need anything else in the meantime, you can always give me a call or send me an email, and we can obviously, you know, talk of different areas and stuff like that as well.","start":718.155,"end":727.69995,"sentiment":"neutral","sentiment_score":0.08632621323553527}],"sentiment":"neutral","sentiment_score":0.0992142144176695,"num_words":63,"start":709.91504,"end":727.69995},{"sentences":[{"text":"Yep.","start":729.19995,"end":729.6,"sentiment":"neutral","sentiment_score":0.285214900970459},{"text":"Perfect.","start":729.6,"end":730.1,"sentiment":"positive","sentiment_score":0.41270849108695984},{"text":"The last thing is just the on page 19, that is just the ongoing advice fee.","start":730.24,"end":736.31995,"sentiment":"neutral","sentiment_score":0.09429891221225262},{"text":"So like I said, no changes whatsoever through the ongoing advice fee.","start":736.31995,"end":740.855,"sentiment":"neutral","sentiment_score":0.09329021691034238},{"text":"It stays exactly the same at 1.65.","start":740.855,"end":743.755,"sentiment":"neutral","sentiment_score":0.15034765430859157}],"sentiment":"neutral","sentiment_score":0.11834113974426244,"num_words":37,"start":729.19995,"end":743.755},{"sentences":[{"text":"And, obviously, if you wanna go ahead and make these change, like I said, there is no additional fees or anything like that.","start":743.815,"end":748.855,"sentiment":"neutral","sentiment_score":0.1363264565234599},{"text":"It's all part of the service.","start":748.855,"end":750.475,"sentiment":"neutral","sentiment_score":0.1699319084485372},{"text":"And underneath that, you'll also see your current ClearView policy.","start":751.26,"end":754.80005,"sentiment":"neutral","sentiment_score":0.08486727923154831},{"text":"We do get 22% ongoing premium for having the insurances, but that is ClearView paying us.","start":754.86005,"end":761.74,"sentiment":"neutral","sentiment_score":0.07577134785242379},{"text":"It is not you paying us.","start":761.74,"end":763.245,"sentiment":"neutral","sentiment_score":0.03983829418818156}],"sentiment":"neutral","sentiment_score":0.10582203399695334,"num_words":61,"start":743.815,"end":763.245},{"sentences":[{"text":"But for compliance, we need to disclose all the commissions we received so you are fully aware.","start":763.485,"end":767.585,"sentiment":"neutral","sentiment_score":0.04522222411983153},{"text":"Yeah.","start":769.005,"end":769.40497,"sentiment":"neutral","sentiment_score":0.21671296656131744},{"text":"Perfect.","start":769.40497,"end":769.90497,"sentiment":"positive","sentiment_score":0.6023607850074768},{"text":"And that is essentially it.","start":770.685,"end":772.285,"sentiment":"neutral","sentiment_score":0.14051516801118852},{"text":"It is summarized on the kind of last page, the authority to proceed, and that is if you're happy to go ahead and make this change, if you want to sign the documents, then I can let the team know.","start":772.285,"end":782.76,"sentiment":"neutral","sentiment_score":0.11159794712439179}],"sentiment":"neutral","sentiment_score":0.10553664510371163,"num_words":64,"start":763.485,"end":782.76},{"sentences":[{"text":"Oh, perfect.","start":783.14,"end":783.72,"sentiment":"positive","sentiment_score":0.4408641457557678},{"text":"Beat me to it.","start":784.1,"end":785.38,"sentiment":"neutral","sentiment_score":0.329198956489563},{"text":"And then I will let them know, and we'll just go and make that switch for you.","start":785.38,"end":788.98,"sentiment":"positive","sentiment_score":0.333929635146085},{"text":"And that was essentially everything.","start":788.98,"end":790.74,"sentiment":"positive","sentiment_score":0.4195502042770386},{"text":"So it was nice and easy today.","start":790.74,"end":792.6,"sentiment":"positive","sentiment_score":0.7656618782452175}],"sentiment":"positive","sentiment_score":0.4380774881158556,"num_words":35,"start":783.14,"end":792.6},{"sentences":[{"text":"I will, let the team know that you're happy with this change.","start":792.975,"end":795.695,"sentiment":"positive","sentiment_score":0.6145589252312978},{"text":"We will go ahead and make it, and you will see that in your hub twenty four account, as well.","start":795.695,"end":800.595,"sentiment":"neutral","sentiment_score":0.3325384147465229},{"text":"Yep.","start":801.695,"end":802.175,"sentiment":"positive","sentiment_score":0.4618808031082154},{"text":"Perfect.","start":802.175,"end":802.575,"sentiment":"positive","sentiment_score":0.41671258211135864},{"text":"Do you have any other questions or anything for me otherwise?","start":802.575,"end":805.635,"sentiment":"neutral","sentiment_score":0.07107105089182203}],"sentiment":"positive","sentiment_score":0.3485744520607922,"num_words":45,"start":792.975,"end":805.635},{"sentences":[{"text":"Yep.","start":806.255,"end":806.755,"sentiment":"neutral","sentiment_score":0.08641481399536133},{"text":"Great.","start":807.77,"end":808.09,"sentiment":"positive","sentiment_score":0.5386613607406616},{"text":"Perfect.","start":808.09,"end":808.41003,"sentiment":"positive","sentiment_score":0.586860179901123},{"text":"Well, I will let you go, and enjoy the rest of your day.","start":808.41003,"end":811.23004,"sentiment":"positive","sentiment_score":0.46297105802939487},{"text":"If there is anything you need, though, don't hesitate to give me a call.","start":811.29004,"end":814.91003,"sentiment":"neutral","sentiment_score":0.08963222668639251}],"sentiment":"neutral","sentiment_score":0.2828470427542925,"num_words":30,"start":806.255,"end":814.91003},{"sentences":[{"text":"No problem at all.","start":816.49005,"end":817.37,"sentiment":"positive","sentiment_score":0.6265002936124802},{"text":"You have a lovely rest of your day.","start":817.37,"end":819.15,"sentiment":"positive","sentiment_score":0.6901147365570068},{"text":"You too.","start":819.69,"end":820.43,"sentiment":"positive","sentiment_score":0.4030245989561081},{"text":"Bye.","start":820.81,"end":821.31,"sentiment":"neutral","sentiment_score":-0.1159491315484047}],"sentiment":"positive","sentiment_score":0.5811346088846524,"num_words":15,"start":816.49005,"end":821.31}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Not today. Yeah. It's fine. Yeah. It's fine. Buckingham. No. I'm just sort of getting started, man. I got sort of a day off today, so no. Yep. Just trying to find it. Which which email did you send it to? Right. Right. Signature request. I've got it. Yep. No. No. That's all. I'm just on. Yep. Yeah. Yep. Yep. Yeah. It is fine. Alright. Sounds good. There's that's changed a little bit, the liabilities. So there's Toyota Highlaps now as an asset. Oh, yes. It's alright. It's alright. Yeah. Yeah. I'll just fill that in. Yeah. It's alright. Yeah. The mortgage has changed as well. The mortgage is now $5.30. Yeah. Yeah. I'll teach you a little bit accurate. I have to do some stuff. No. That's it. Yeah. Yep. That's fine. Yeah. Yeah. I'm cold. I'll let you know. I post on 10 10 10. That's it. Yep. Yep. Yep. Yeah. That's fine. Yep. Yeah. That's fine. Yep. Yep. We'll come right in there. Not on your phone. Yep. Yep. Yes. Yeah. Yep. Yep. Uh-huh. Alright. Sounds good. No. No. It's all pretty straightforward. Alright. Yep. I'm still asking. Yes. Yes. Yes. Yes. Fine. Already. Yep. K. Yeah. Yeah. I know that. It's going backwards. No. Yep. Yep. Sounds good. That's right. That's good to me. Yeah. It's fine. Yeah. That's fine. That's all good. Already has. No. No worries. Thank you very much. No. No. Everything's sound pretty good. No. No. It's kinda pretty good. Alright. No worries. Thank you. Have a lovely day. You too. Thank you. 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Yeah. Not today. Yeah. It's fine.\n\nYeah. It's fine. Buckingham. No. I'm just sort of getting started, man.\n\nI got sort of a day off today, so no. Yep. Just trying to find it. Which which email did you send it to? Right.\n\nRight. Signature request. I've got it. Yep. No.\n\nNo. That's all. I'm just on. Yep. Yeah.\n\nYep. Yep. Yeah. It is fine. Alright.\n\nSounds good. There's that's changed a little bit, the liabilities. So there's Toyota Highlaps now as an asset. Oh, yes. It's alright.\n\nIt's alright. Yeah. Yeah. I'll just fill that in. Yeah.\n\nIt's alright. Yeah. The mortgage has changed as well. The mortgage is now $5.30. Yeah.\n\nYeah. I'll teach you a little bit accurate. I have to do some stuff. No. That's it.\n\nYeah. Yep. That's fine. Yeah. Yeah.\n\nI'm cold. I'll let you know. I post on 10 10 10. That's it. Yep.\n\nYep. Yep. Yeah. That's fine. Yep.\n\nYeah. That's fine. Yep. Yep. We'll come right in there.\n\nNot on your phone. Yep. Yep. Yes. Yeah.\n\nYep. Yep. Uh-huh. Alright. Sounds good.\n\nNo. No. It's all pretty straightforward. Alright. Yep.\n\nI'm still asking. Yes. Yes. Yes. Yes.\n\nFine. Already. Yep. K. Yeah.\n\nYeah. I know that. It's going backwards. No. Yep.\n\nYep. Sounds good. That's right. That's good to me. Yeah.\n\nIt's fine. Yeah. That's fine. That's all good. Already has.\n\nNo. No worries. Thank you very much. No. No.\n\nEverything's sound pretty good. No. No. It's kinda pretty good. Alright.\n\nNo worries. Thank you. Have a lovely day. You too. Thank you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.4399999,"end":1.9399999,"sentiment":"neutral","sentiment_score":0.05310029909014702},{"text":"Yeah.","start":7.5099998,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.06770606338977814},{"text":"Not today.","start":7.7599998,"end":8.5,"sentiment":"neutral","sentiment_score":-0.023631848394870758},{"text":"Yeah.","start":18.475,"end":18.635,"sentiment":"neutral","sentiment_score":0.20999503135681152},{"text":"It's fine.","start":18.635,"end":19.375,"sentiment":"neutral","sentiment_score":0.26372840255498886}],"sentiment":"neutral","sentiment_score":0.11585635745099612,"num_words":7,"start":1.4399999,"end":19.375},{"sentences":[{"text":"Yeah.","start":28.634998,"end":28.875,"sentiment":"neutral","sentiment_score":0.11826470494270323},{"text":"It's 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This is Veronica from Financial. How are you this morning?\n\nChannel 1: Yeah. Not today.\n\nChannel 0: That's great. I had you booked in to run over the strategy recommendation after our last conversation. Is now still a good time for you?\n\nChannel 1: Yeah. It's fine.\n\nChannel 0: Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you?\n\nChannel 1: Yeah. It's fine.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, I do have a password on file. Do you know what that might be?\n\nChannel 1: Buckingham.\n\nChannel 0: Yep. Perfect. That's the one. And how's your morning been so far? Been busy or just kind of getting started?\n\nChannel 1: No. I'm just sort of getting started, man. I got sort of a day off today, so\n\nChannel 0: Oh, that's nice. Well, I will try not to take up too much of your time off.\n\nChannel 1: no.\n\nChannel 0: Now, Rob, I've just sent you an email with the documents to go through. Do you have access to your emails at the moment?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now we have just swapped over to a new software as well. So if it does look a little bit different, just let me know if you do struggle through OpenEdge.\n\nChannel 1: Just trying to find it. Which which\n\nChannel 0: Yep.\n\nChannel 1: email did you send it to?\n\nChannel 0: The Swan a l\n\nChannel 1: Right.\n\nChannel 0: a arms.\n\nChannel 1: Right. Signature request. I've got it. Yep.\n\nChannel 0: Yes. Now with that one, it's up to you. You can either click on the link right away, and it will open up the documents to run through. Or if you want to scroll down before clicking on the link, you'll also see all the attachments as well,\n\nChannel 1: No.\n\nChannel 0: which should also have the same copy to make it easy and then all the supporting document that kind of goes with it as well.\n\nChannel 1: No. That's all. I'm just on.\n\nChannel 0: Yeah. Perfect. So if you can click on that link, it shall then open up the actual statement of advice. And just let me know if you can see that one okay. Yep.\n\nChannel 1: Yep.\n\nChannel 0: You can see that okay? Yep. Perfect. Now on the front page here, you can obviously see that this has been prepared just for you. Now it is valid for sixty days as well from when it was prepared.\n\nSo if you do want a little bit of time to have a think about it, what you wanna do, there is time, but, otherwise, it does expire after sixty days. You'll also have my authorized representative details listed there for for you, and then, obviously, all our contact details and where we're located and everything like that.\n\nChannel 1: Yeah.\n\nChannel 0: Now on the next page, you will just see the best interest you to outline. So, obviously, we have to make sure that we take your best interest at heart before anything else, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we cannot actually make the recommendation. Does that make sense?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Perfect. Now next couple of pages, table content, pretty self explanatory. You'll also see scope of advice, and that is just outlining the areas we are looking at today. It is pretty straightforward.\n\nThe only things we are kind of looking at today is just your superannuation investment and specifically just making sure that we added a bit of gold through your portfolio.\n\nChannel 1: Yeah. It is fine.\n\nChannel 0: Yep. Perfect. We're not making any changes to insurances or anything like that. You were quite happy with everything. So it's literally just your superannuation.\n\nSo nice and easy today.\n\nChannel 1: Alright. Sounds good.\n\nChannel 0: Perfect. Now as you kind of scroll through, you'll see a couple of pages about you. Just some information, if you can have a read through that just to make sure it's all up to date or if we need to make any changes in the back end. And then you also have this lifestyle assets and liabilities listed for you as well. Again, if you could just have a quick read over it just to make sure it's all up to date.\n\nChannel 1: There's that's changed a little bit, the liabilities.\n\nChannel 0: Okay.\n\nChannel 1: So there's Toyota Highlaps now as an asset.\n\nChannel 0: Yep. So the top table, sorry,\n\nChannel 1: Oh, yes.\n\nChannel 0: is\n\nChannel 1: It's\n\nChannel 0: your\n\nChannel 1: alright.\n\nChannel 0: assets.\n\nChannel 1: It's alright. Yeah.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. I'll just\n\nChannel 0: Yep.\n\nChannel 1: fill that in.\n\nChannel 0: Yeah. No.\n\nChannel 1: Yeah. It's\n\nChannel 0: Because\n\nChannel 1: alright.\n\nChannel 0: I did update that last time that it's you only have the mortgage at least from when we spoke last.\n\nChannel 1: Yeah. The mortgage has changed as well. The mortgage is now $5.30.\n\nChannel 0: Okay. Perfect. I will update that. It won't change the advice we're doing, but I'll still update that to $5.30. Did you take out a bit of equity in the house?\n\nOr\n\nChannel 1: Yeah. Yeah. I'll\n\nChannel 0: Yep.\n\nChannel 1: teach you a little bit accurate. I have to do\n\nChannel 0: Yep.\n\nChannel 1: some stuff.\n\nChannel 0: Yep. Perfect. So 05:30. Any other changes?\n\nChannel 1: No. That's it.\n\nChannel 0: That's great. Next page, you will see just your current superannuation insurance outlined for you. You have your super in hub 24, and you do have some life and total permanent disability insurance with ClearView.\n\nChannel 1: Yeah. Yep. That's fine.\n\nChannel 0: Yep. Perfect. Now on the next page, I will let you have a read over that in your own time, the next two pages, because we did go through that last time when we kind of went through, you know, how you feel about risk and fluctuation, and you are\n\nChannel 1: Yeah.\n\nChannel 0: quite\n\nChannel 1: Yeah.\n\nChannel 0: comfortable.\n\nChannel 1: I'm cold. I'll let you know.\n\nChannel 0: Yeah. Perfect. So I'll skip all of that for you, which then takes me to page 10. Can you see that okay?\n\nChannel 1: I post on\n\nChannel 0: It can\n\nChannel 1: 10\n\nChannel 0: be\n\nChannel 1: 10\n\nChannel 0: page\n\nChannel 1: 10.\n\nChannel 0: 11 if it factors in the cover page,\n\nChannel 1: That's\n\nChannel 0: but, otherwise,\n\nChannel 1: it. Yep.\n\nChannel 0: page number. Yep.\n\nChannel 1: Yep.\n\nChannel 0: So this here is I have recommended that we retain your hub twenty four and just change your investment. So I did do quite a bit of research on hub twenty four and other competitors as well just to make sure\n\nChannel 1: Yep.\n\nChannel 0: that hub twenty four is still going to be the best option for you, and it's still very much competitive within the market with price and features and investment flexibility. I use 24 for my personal super as well, and it's definitely still a very competitive option for you. So not making any changes there for you.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. Perfect. As you kind of scroll through and, again, I'll let you have a read over that in your own time. But with any recommendation, there are obviously advantages, disadvantages, and risks to be mindful of.\n\nChannel 1: Yep.\n\nChannel 0: The biggest thing is just obviously changing the investment, which I will go through in the next couple of pages on, you know, fees and stuff like that. But a risk to be mindful of is that there's always a level of risk associated with any investment option.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. Yep. Perfect. Now that then takes us through the investment change table, which is page 13. Can you see that okay?\n\nChannel 1: Yep. Yep. We'll come right\n\nChannel 0: Yep.\n\nChannel 1: in there.\n\nChannel 0: Yep. Perfect. Now from memory, you're pretty across most of investments and stuff like that, so I won't go through too much unless you want me to. But\n\nChannel 1: Not\n\nChannel 0: I have\n\nChannel 1: on your\n\nChannel 0: recommend,\n\nChannel 1: phone.\n\nChannel 0: yeah, I have recommended that we change your investment. So we are changing all of the investments over for you through a little bit new kind of updated investment, still very much aligning with your high growth aggressive,\n\nChannel 1: Yep.\n\nChannel 0: focusing on maximizing growth as much as possible. But as you would know as well, obviously, everything are always changing in the market and in the world, and it's always important to keep updating that for you. Also,\n\nChannel 1: Yep.\n\nChannel 0: because we wanted to add gold to your portfolio. So in order to fit that one in, obviously, make some tweaks and changes to your investment. So the investment philosophy, the concept, it all stays the same. We're still very much following that course that a lot approach to investment. And at the bottom there, you will see the red is the ones we are selling out of.\n\nSo that is your current investment. And then the\n\nChannel 1: Yes.\n\nChannel 0: bottom there is what we are adding. So you will see that the the biggest allocation is what we would call your allocation is what we would call your core investment. So they form the core of their portfolio. So you'll have the S and P 500 and the BetaShares Australia 200. Obviously, give you a well diversified portfolio.\n\nObviously, you don't wanna be targeting just one market. But then\n\nChannel 1: Yeah.\n\nChannel 0: through want to obviously focus on maximizing growth and give you that exposure. You will\n\nChannel 1: Yep.\n\nChannel 0: see that 9% has been added to iShares Europe, 5% to iShares Japan, and then 8% to Vanguard or World, but excluding The US because you already have exposure through The US in that iShares S and P 500.\n\nChannel 1: Yep. Uh-huh.\n\nChannel 0: Yep. You have 7% of gold added to the portfolio and then just 5% of our defensive investments just fixed interest there for you. So similar fluctuations a little bit, but mainly focusing on maximizing that growth.\n\nChannel 1: Alright. Sounds good.\n\nChannel 0: Do you have any questions with the investments or anything like that?\n\nChannel 1: No. No. It's all pretty straightforward.\n\nChannel 0: No. Yep. Perfect. In the appendix, which was the attachments in the email as well, there is investment links. So if it is that you do want to go and read up on these a bit more, it's all there for you as well.\n\nChannel 1: Alright.\n\nChannel 0: Yes. Perfect. Now the next page for you there, Rob, you will see the risk profile like I mentioned. You will see your existing versus the proposed, just really a minor change in it, and that is mainly because we're obviously adding gold and changing the portfolio, but still very much focusing on maximizing that growth.\n\nChannel 1: Yep. I'm still asking.\n\nChannel 0: Yep. Yep. Perfect. Now on the next page, you will then see page 15 where it says let me see here. The little table with all the numbers.\n\nCan you see that? Yep. So that one here shows you your current situation\n\nChannel 1: Yes.\n\nChannel 0: and the recommended. Now I do wanna highlight at the top where you see the difference in the balance.\n\nChannel 1: Yes.\n\nChannel 0: The reason is that because we are obviously selling a buying investment or more so selling investments for you, because some of your investments have gone up, which is great, there is a little bit of capital gains tax that will be paid within super environment for you to make that change.\n\nChannel 1: Yes.\n\nChannel 0: So when we did the math, it was about 733. It can obviously change on the daily, but that will be roughly the cost to make the investment change for you so that you are aware.\n\nChannel 1: Yes. Fine.\n\nChannel 0: Yep. Perfect. Now as you can see, you will see, obviously, all the fees and everything like that, not making any changes to the contribution. Advise the fee stays the same. Insurance does all stays the same.\n\nBut by actually making some changes to those investments for you, you will see that the total cost is actually a little bit cheaper, which is good just from chop stopping some of those investments out.\n\nChannel 1: Already. Yep.\n\nChannel 0: Yep. Perfect. Now you can then also see the invest the five year rolling average. So you can see your current portfolio\n\nChannel 1: K.\n\nChannel 0: and the recommended. We do use the five year rolling average to give you a bit more certainty of what's happened in the market and the world as well. Because otherwise, you know, some years, it would have looks like you've won the lottery, whereas other years, not good.\n\nChannel 1: Yeah.\n\nChannel 0: So we\n\nChannel 1: Yeah.\n\nChannel 0: use\n\nChannel 1: I know\n\nChannel 0: five year rolling.\n\nChannel 1: that. It's going backwards.\n\nChannel 0: Yeah. Exactly. So by making the change, if we just use at the five year rolling average, the new portfolio has outperformed your old one, and it's also cheaper. That is looking\n\nChannel 1: No.\n\nChannel 0: at the five year rolling average. But on the next page, you will actually see the returns broken down in a bit more detail for you. So you see twelve months, three years, five years, and ten years. And you\n\nChannel 1: Yep.\n\nChannel 0: can see that even throughout all of it, it still has outperformed.\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Yep. Perfect. At the top of that table, you will also see we've just kind of projected that forward for you for five and ten years to see kind of roughly where things would be at if, obviously, everything continues the same way.\n\nChannel 1: That's right. That's good\n\nChannel 0: Yep.\n\nChannel 1: to me.\n\nChannel 0: Perfect. Now the next page just shows your ongoing service. You obviously would be aware of that. We do the annual reviews. But if you need any assistance or need anything else in the meantime, you can always give me a call or send me an email, and we can obviously, you know, talk of different areas and stuff like that as well.\n\nChannel 1: Yeah. It's fine.\n\nChannel 0: Yep. Perfect. The last thing is just the on page 19, that is just the ongoing advice fee. So like I said, no changes whatsoever through the ongoing advice fee. It stays exactly the same at 1.65.\n\nAnd, obviously, if you wanna go ahead and make these change, like I said, there is no additional fees or anything like that. It's all part of the service. And underneath that, you'll also see your current ClearView policy. We do get 22% ongoing premium for having the insurances, but that is ClearView paying us. It is not you paying us.\n\nBut for compliance, we need to disclose all the commissions we received so you are fully aware.\n\nChannel 1: Yeah. That's fine. That's\n\nChannel 0: Yeah.\n\nChannel 1: all\n\nChannel 0: Perfect.\n\nChannel 1: good.\n\nChannel 0: And that is essentially it. It is summarized on the kind of last page, the authority to proceed, and that is if you're happy to go ahead and make this change, if you want to sign the documents, then I can\n\nChannel 1: Already\n\nChannel 0: let the\n\nChannel 1: has.\n\nChannel 0: team know. Oh, perfect. Beat me to it. And then I will let them know, and we'll just go and make that switch for you. And that was essentially everything.\n\nSo it was nice and easy today. I will, let the team know that you're happy with this change. We will go ahead and make it, and you will see that in your hub twenty four account, as well.\n\nChannel 1: No. No worries. Thank you\n\nChannel 0: Yep.\n\nChannel 1: very much.\n\nChannel 0: Perfect. Do you have any other questions or anything\n\nChannel 1: No. No.\n\nChannel 0: for me\n\nChannel 1: Everything's\n\nChannel 0: otherwise?\n\nChannel 1: sound pretty good. No.\n\nChannel 0: Yep.\n\nChannel 1: No. It's kinda pretty\n\nChannel 0: Great. Perfect. Well, I will let you go, and enjoy the rest of your day. If there is anything you need, though, don't hesitate to give me a call.\n\nChannel 1: good. Alright. No worries. Thank you.\n\nChannel 0: No problem at all. You have a\n\nChannel 1: Have\n\nChannel 0: lovely\n\nChannel 1: a lovely\n\nChannel 0: rest of your\n\nChannel 1: day.\n\nChannel 0: day.\n\nChannel 1: You too.\n\nChannel 0: You\n\nChannel 1: Thank\n\nChannel 0: too.\n\nChannel 1: you. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.4399999,"end":1.9399999,"sentiment":"neutral","sentiment_score":0.05310029909014702}],"sentiment":"neutral","sentiment_score":0.05310029909014702,"channel":1,"num_words":1,"start":1.4399999,"end":1.9399999},{"sentences":[{"text":"Good morning, Rob.","start":2.8799999,"end":3.84,"sentiment":"positive","sentiment_score":0.3793796896934509},{"text":"This is Veronica from Financial.","start":3.84,"end":5.46,"sentiment":"neutral","sentiment_score":0.30328919291496276},{"text":"How are you this morning?","start":5.92,"end":6.98,"sentiment":"neutral","sentiment_score":0.2859951317310333}],"sentiment":"neutral","sentiment_score":0.31419697633156407,"channel":0,"num_words":13,"start":2.8799999,"end":6.98},{"sentences":[{"text":"Yeah.","start":7.5099998,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.06770606338977814},{"text":"Not today.","start":7.7599998,"end":8.5,"sentiment":"neutral","sentiment_score":-0.023631848394870758}],"sentiment":"neutral","sentiment_score":0.006814122200012207,"channel":1,"num_words":3,"start":7.5099998,"end":8.5},{"sentences":[{"text":"That's great.","start":8.96,"end":9.94,"sentiment":"positive","sentiment_score":0.5019667446613312},{"text":"I had you booked in to run over the strategy recommendation after our last conversation.","start":10.639999,"end":16.244999,"sentiment":"positive","sentiment_score":0.3527066687742869},{"text":"Is now still a good time for you?","start":16.385,"end":18.005,"sentiment":"positive","sentiment_score":0.34834614396095276}],"sentiment":"positive","sentiment_score":0.3632521069049835,"channel":0,"num_words":25,"start":8.96,"end":18.005},{"sentences":[{"text":"Yeah.","start":18.475,"end":18.635,"sentiment":"neutral","sentiment_score":0.20999503135681152},{"text":"It's fine.","start":18.635,"end":19.375,"sentiment":"neutral","sentiment_score":0.26372840255498886}],"sentiment":"neutral","sentiment_score":0.2458172788222631,"channel":1,"num_words":3,"start":18.475,"end":19.375},{"sentences":[{"text":"Yep.","start":19.425,"end":19.925,"sentiment":"neutral","sentiment_score":0.26900312304496765},{"text":"Perfect.","start":19.985,"end":20.485,"sentiment":"positive","sentiment_score":0.4803619980812073},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you?","start":20.865,"end":28.32,"sentiment":"neutral","sentiment_score":0.06770989647315394}],"sentiment":"neutral","sentiment_score":0.08631430035739233,"channel":0,"num_words":33,"start":19.425,"end":28.32},{"sentences":[{"text":"Yeah.","start":28.634998,"end":28.875,"sentiment":"neutral","sentiment_score":0.11826470494270323},{"text":"It's fine.","start":28.875,"end":29.695,"sentiment":"neutral","sentiment_score":0.2034393548965454}],"sentiment":"neutral","sentiment_score":0.17504780491193137,"channel":1,"num_words":3,"start":28.634998,"end":29.695},{"sentences":[{"text":"Perfect.","start":30.0,"end":30.5,"sentiment":"positive","sentiment_score":0.4051346182823181},{"text":"And just to confirm I am speaking with the right person, I do have a password on file.","start":30.72,"end":35.44,"sentiment":"neutral","sentiment_score":0.11686346431573232},{"text":"Do you know what that might be?","start":35.44,"end":36.9,"sentiment":"neutral","sentiment_score":0.045927089772054126}],"sentiment":"neutral","sentiment_score":0.1088525617065338,"channel":0,"num_words":26,"start":30.0,"end":36.9},{"sentences":[{"text":"Buckingham.","start":37.3,"end":37.8,"sentiment":"neutral","sentiment_score":0.04082610458135605}],"sentiment":"neutral","sentiment_score":0.04082610458135605,"channel":1,"num_words":1,"start":37.3,"end":37.8},{"sentences":[{"text":"Yep.","start":38.4,"end":38.879997,"sentiment":"neutral","sentiment_score":0.117573544383049},{"text":"Perfect.","start":38.879997,"end":39.36,"sentiment":"positive","sentiment_score":0.4028745889663696},{"text":"That's the one.","start":39.36,"end":40.335,"sentiment":"positive","sentiment_score":0.34748687346776325},{"text":"And how's your morning been so far?","start":40.415,"end":42.094997,"sentiment":"neutral","sentiment_score":0.14647194743156433},{"text":"Been busy or just kind of getting started?","start":42.094997,"end":44.035,"sentiment":"neutral","sentiment_score":0.022246528882533312}],"sentiment":"neutral","sentiment_score":0.13830923084169627,"channel":0,"num_words":20,"start":38.4,"end":44.035},{"sentences":[{"text":"No.","start":44.345,"end":44.585,"sentiment":"neutral","sentiment_score":-0.08613241463899612},{"text":"I'm just sort of getting started, man.","start":44.585,"end":45.945,"sentiment":"neutral","sentiment_score":-0.06788365542888641},{"text":"I got sort of a day off today, so","start":45.945,"end":48.205,"sentiment":"neutral","sentiment_score":-0.03253085414568583}],"sentiment":"neutral","sentiment_score":-0.05024092293837491,"channel":1,"num_words":17,"start":44.345,"end":48.205},{"sentences":[{"text":"Oh, that's nice.","start":48.335,"end":49.215,"sentiment":"neutral","sentiment_score":0.3278219650189082},{"text":"Well, I will try not to take up too much of your time off.","start":49.215,"end":52.274998,"sentiment":"neutral","sentiment_score":-0.05494512617588043}],"sentiment":"neutral","sentiment_score":0.012602007564376383,"channel":0,"num_words":17,"start":48.335,"end":52.274998},{"sentences":[{"text":"no.","start":52.825,"end":53.325,"sentiment":"neutral","sentiment_score":-0.056006476283073425}],"sentiment":"neutral","sentiment_score":-0.056006476283073425,"channel":1,"num_words":1,"start":52.825,"end":53.325},{"sentences":[{"text":"Now, Rob, I've just sent you an email with the documents to go through.","start":53.79,"end":58.91,"sentiment":"neutral","sentiment_score":0.029278035275638103},{"text":"Do you have access to your emails at the moment?","start":58.91,"end":61.57,"sentiment":"neutral","sentiment_score":0.0017648914828896523}],"sentiment":"neutral","sentiment_score":0.017814225361992914,"channel":0,"num_words":24,"start":53.79,"end":61.57},{"sentences":[{"text":"Yep.","start":62.3,"end":62.8,"sentiment":"neutral","sentiment_score":0.04098488390445709}],"sentiment":"neutral","sentiment_score":0.04098488390445709,"channel":1,"num_words":1,"start":62.3,"end":62.8},{"sentences":[{"text":"Yep.","start":63.79,"end":64.29,"sentiment":"neutral","sentiment_score":0.07443112879991531},{"text":"Perfect.","start":64.75,"end":65.25,"sentiment":"neutral","sentiment_score":0.20116370916366577},{"text":"Now we have just swapped over to a new software as well.","start":66.625,"end":70.785,"sentiment":"neutral","sentiment_score":0.07883651896069448},{"text":"So if it does look a little bit different, just let me know if you do struggle through OpenEdge.","start":70.785,"end":76.325005,"sentiment":"neutral","sentiment_score":-0.0008848272264003754}],"sentiment":"neutral","sentiment_score":0.036509737823948715,"channel":0,"num_words":33,"start":63.79,"end":76.325005},{"sentences":[{"text":"Just trying to find it.","start":78.565,"end":79.605,"sentiment":"neutral","sentiment_score":0.014879811927676201},{"text":"Which which","start":79.605,"end":80.165,"sentiment":"neutral","sentiment_score":0.012896491214632988}],"sentiment":"neutral","sentiment_score":0.014313148866806711,"channel":1,"num_words":7,"start":78.565,"end":80.165},{"sentences":[{"text":"Yep.","start":80.16,"end":80.66,"sentiment":"neutral","sentiment_score":0.014281118288636208}],"sentiment":"neutral","sentiment_score":0.014281118288636208,"channel":0,"num_words":1,"start":80.16,"end":80.66},{"sentences":[{"text":"email did you send it to?","start":80.165,"end":81.545,"sentiment":"neutral","sentiment_score":0.008919888641685247}],"sentiment":"neutral","sentiment_score":0.008919888641685247,"channel":1,"num_words":6,"start":80.165,"end":81.545},{"sentences":[{"text":"The Swan a l","start":82.240005,"end":86.66,"sentiment":"neutral","sentiment_score":0.008364863344468176}],"sentiment":"neutral","sentiment_score":0.008364863344468176,"channel":0,"num_words":4,"start":82.240005,"end":86.66},{"sentences":[{"text":"Right.","start":86.245,"end":86.745,"sentiment":"neutral","sentiment_score":0.018200822174549103}],"sentiment":"neutral","sentiment_score":0.018200822174549103,"channel":1,"num_words":1,"start":86.245,"end":86.745},{"sentences":[{"text":"a arms.","start":87.12,"end":87.700005,"sentiment":"neutral","sentiment_score":0.01840468216687441}],"sentiment":"neutral","sentiment_score":0.01840468216687441,"channel":0,"num_words":2,"start":87.12,"end":87.700005},{"sentences":[{"text":"Right.","start":87.605,"end":88.105,"sentiment":"neutral","sentiment_score":0.037946417927742},{"text":"Signature request.","start":88.4,"end":88.56,"sentiment":"neutral","sentiment_score":0.039239514619112015},{"text":"I've got it.","start":88.56,"end":89.22,"sentiment":"neutral","sentiment_score":0.08753580351670583},{"text":"Yep.","start":89.92,"end":90.42,"sentiment":"neutral","sentiment_score":0.09067714214324953}],"sentiment":"neutral","sentiment_score":0.06710142855133329,"channel":1,"num_words":7,"start":87.605,"end":90.42},{"sentences":[{"text":"Yes.","start":89.935005,"end":90.435005,"sentiment":"neutral","sentiment_score":0.10560719668865204},{"text":"Now with that one, it's up to you.","start":91.695,"end":93.695,"sentiment":"neutral","sentiment_score":0.12054731789976358},{"text":"You can either click on the link right away, and it will open up the documents to run through.","start":93.695,"end":98.435,"sentiment":"neutral","sentiment_score":0.0945692858413646},{"text":"Or if you want to scroll down before clicking on the link, you'll also see all the attachments as well,","start":99.135,"end":104.115005,"sentiment":"neutral","sentiment_score":0.0701053187251091}],"sentiment":"neutral","sentiment_score":0.0889355946953098,"channel":0,"num_words":48,"start":89.935005,"end":104.115005},{"sentences":[{"text":"No.","start":103.835,"end":104.335,"sentiment":"neutral","sentiment_score":0.017848234623670578}],"sentiment":"neutral","sentiment_score":0.017848234623670578,"channel":1,"num_words":1,"start":103.835,"end":104.335},{"sentences":[{"text":"which should also have the same copy to make it easy and then all the supporting document that kind of goes with it as 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cheaper.","start":664.185,"end":675.07,"sentiment":"neutral","sentiment_score":0.20010926850416041},{"text":"That is looking","start":675.69,"end":676.41003,"sentiment":"neutral","sentiment_score":-0.008135359734296799}],"sentiment":"neutral","sentiment_score":0.1723085066769272,"channel":0,"num_words":32,"start":662.105,"end":676.41003},{"sentences":[{"text":"No.","start":676.15,"end":676.65,"sentiment":"neutral","sentiment_score":-0.0313073992729187}],"sentiment":"neutral","sentiment_score":-0.0313073992729187,"channel":1,"num_words":1,"start":676.15,"end":676.65},{"sentences":[{"text":"at the five year rolling average.","start":676.41003,"end":678.17004,"sentiment":"neutral","sentiment_score":-0.022678742185235023},{"text":"But on the next page, you will actually see the returns broken down in a bit more detail for you.","start":678.17004,"end":685.305,"sentiment":"neutral","sentiment_score":0.09724207408726215},{"text":"So you see twelve months, three years, five years, and ten 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representative from Financial calls a customer named Rob to confirm his appointment and discuss his financial strategy. They update his investment portfolio, including lifestyle assets and liabilities, and recommend changing it to match his growth and risk tolerance. The agent emphasizes the importance of updating the investment information and emphasizes the need to focus on maximizing growth and adding gold to the portfolio. They also provide information on risk profiles and ongoing services, emphasizing transparency and assistance if needed."},"intents":{"segments":[{"text":"And just to confirm I am speaking with the right person, I do have a password on file. Do you know what that might be? Buckingham.","start_word":82,"end_word":107,"intents":[{"intent":"Confirm identity","confidence_score":0.6959152},{"intent":"Share password","confidence_score":0.017085003},{"intent":"Confirm identity","confidence_score":0.07226507}]},{"text":"Now, Rob, I've just sent you an email with the documents to go through. Do you have access to your emails at the moment?","start_word":163,"end_word":186,"intents":[{"intent":"Check access","confidence_score":0.1329594}]},{"text":"Now, Rob, I've just sent you an email with the documents to go through. Do you have access to your emails at the moment? Yep.","start_word":163,"end_word":187,"intents":[{"intent":"Provide documents","confidence_score":0.022868538}]},{"text":"Now we have just swapped over to a new software as well. So if it does look a little bit different, just let me know if you do struggle through OpenEdge. Just trying to find it. Which which Yep.","start_word":190,"end_word":228,"intents":[{"intent":"Open document","confidence_score":0.0012084483}]},{"text":"Now with that one, it's up to you. You can either click on the link right away, and it will open up the documents to run through. Or if you want to scroll down before clicking on the link, you'll also see all the attachments as well, No.","start_word":250,"end_word":297,"intents":[{"intent":"Scroll down","confidence_score":0.0055559594}]},{"text":"Now it is valid for sixty days as well from when it was prepared. So if you do want a little bit of time to have a think about it, what you wanna do, there is time, but, otherwise, it does expire after sixty days.","start_word":388,"end_word":432,"intents":[{"intent":"Recommend extending validity","confidence_score":0.00033676467}]},{"text":"Now on the next page, you will just see the best interest you to outline. So, obviously, we have to make sure that we take your best interest at heart before anything else, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we cannot actually make the recommendation. Does that make sense? Yep.","start_word":461,"end_word":523,"intents":[{"intent":"Discuss topics of interest","confidence_score":0.00045337452},{"intent":"Provide advice","confidence_score":0.067299224}]},{"text":"The only things we are kind of looking at today is just your superannuation investment and specifically just making sure that we added a bit of gold through your portfolio. Yeah.","start_word":559,"end_word":589,"intents":[{"intent":"Add gold to portfolio","confidence_score":0.0011192301}]},{"text":"Alright. Sounds good.","start_word":623,"end_word":625,"intents":[{"intent":"Confirm understanding","confidence_score":0.053980988}]},{"text":"Now as you kind of scroll through, you'll see a couple of pages about you. Just some information, if you can have a read through that just to make sure it's all up to date or if we need to make any changes in the back end.","start_word":627,"end_word":673,"intents":[{"intent":"Provide update","confidence_score":0.00552974}]},{"text":"Now as you kind of scroll through, you'll see a couple of pages about you. Just some information, if you can have a read through that just to make sure it's all up to date or if we need to make any changes in the back end. And then you also have this lifestyle assets and liabilities listed for you as well.","start_word":627,"end_word":688,"intents":[{"intent":"Provide information","confidence_score":0.044717528}]},{"text":"I did update that last time that it's you only have the mortgage at least from when we spoke last. Yeah.","start_word":756,"end_word":776,"intents":[{"intent":"Update investment information","confidence_score":0.00026872972}]},{"text":"Next page, you will see just your current superannuation insurance outlined for you. You have your super in hub 24, and you do have some life and total permanent disability insurance with ClearView. Yeah.","start_word":849,"end_word":882,"intents":[{"intent":"Update insurance information","confidence_score":0.045131616},{"intent":"Discuss current insurance","confidence_score":0.0020978572},{"intent":"Discuss current insurance","confidence_score":0.017094297}]},{"text":"comfortable. I'm cold.","start_word":939,"end_word":941,"intents":[{"intent":"Describe comfort and comfort","confidence_score":8.3945565e-7}]},{"text":"The biggest thing is just obviously changing the investment, which I will go through in the next couple of pages on, you know, fees and stuff like that. But a risk to be mindful of is that there's always a level of risk associated with any investment option. Yeah.","start_word":1135,"end_word":1183,"intents":[{"intent":"Affirm investment changes","confidence_score":0.0001450789}]},{"text":"The biggest thing is just obviously changing the investment, which I will go through in the next couple of pages on, you know, fees and stuff like that. But a risk to be mindful of is that there's always a level of risk associated with any investment option. Yeah. That's fine. Yep. Yep. Perfect. Now that then takes us through the investment change table, which is page 13. Can you see that okay?","start_word":1135,"end_word":1207,"intents":[{"intent":"Provide investment information","confidence_score":0.0023447673}]},{"text":"yeah, I have recommended that we change your investment.","start_word":1251,"end_word":1259,"intents":[{"intent":"Recommend investment change","confidence_score":0.025782276}]},{"text":"So the investment philosophy, the concept, it all stays the same. We're still very much following that course that a lot approach to investment.","start_word":1355,"end_word":1378,"intents":[{"intent":"Consolidate investment philosophy","confidence_score":0.0032290104}]},{"text":"Now I do wanna highlight at the top where you see the difference in the balance. Yes.","start_word":1744,"end_word":1760,"intents":[{"intent":"Highlight portfolio information","confidence_score":0.074750476}]},{"text":"So when we did the math, it was about 733. It can obviously change on the daily, but that will be roughly the cost to make the investment change for you so that you are aware. Yes.","start_word":1814,"end_word":1850,"intents":[{"intent":"Inquire about investment cost and portfolio performance","confidence_score":0.00013601987}]},{"text":"Now the next page just shows your ongoing service. You obviously would be aware of that. We do the annual reviews. But if you need any assistance or need anything else in the meantime, you can always give me a call or send me an email, and we can obviously, you know, talk of different areas and stuff like that as well. Yeah.","start_word":2153,"end_word":2215,"intents":[{"intent":"Update information","confidence_score":0.032153044}]}]},"sentiments":{"segments":[{"text":"Hello?","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.05310029909014702},{"text":"Good morning, Rob.","start_word":1,"end_word":3,"sentiment":"positive","sentiment_score":0.37397271394729614},{"text":"This is Veronica from Financial. How are you this morning? Yeah. Not today.","start_word":4,"end_word":16,"sentiment":"neutral","sentiment_score":0.21273650228977203},{"text":"That's great. I had you booked in to run over the strategy recommendation after our last conversation. Is now still a good time for you?","start_word":17,"end_word":41,"sentiment":"positive","sentiment_score":0.3731777369976044},{"text":"Yeah. It's fine. Yep.","start_word":42,"end_word":45,"sentiment":"neutral","sentiment_score":0.2568521499633789},{"text":"Perfect.","start_word":46,"end_word":46,"sentiment":"positive","sentiment_score":0.4803619980812073},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you? Yeah. It's fine.","start_word":47,"end_word":80,"sentiment":"neutral","sentiment_score":0.08574637770652771},{"text":"Perfect.","start_word":81,"end_word":81,"sentiment":"positive","sentiment_score":0.4051346182823181},{"text":"And just to confirm I am speaking with the right person, I do have a password on file. Do you know what that might be? Buckingham. Yep.","start_word":82,"end_word":108,"sentiment":"neutral","sentiment_score":0.09492243081331252},{"text":"Perfect. That's the one.","start_word":109,"end_word":112,"sentiment":"positive","sentiment_score":0.35931089520454407},{"text":"And how's your morning been so far? Been busy or just kind of getting started? No. I'm just sort of getting started, man. I got sort of a day off today, so Oh, that's nice. Well, I will try not to take up too much of your time off. no. Now, Rob, I've just sent you an email with the documents to go through. Do you have access to your emails at the moment? Yep. Yep. Perfect. Now we have just swapped over to a new software as well. So if it does look a little bit different, just let me know if you do struggle through OpenEdge. Just trying to find it. Which which Yep. email did you send it to? The Swan a l Right. a arms. Right. Signature request. I've got it. Yep. Yes. Now with that one, it's up to you. You can either click on the link right away, and it will open up the documents to run through. Or if you want to scroll down before clicking on the link, you'll also see all the attachments as well, No. which should also have the same copy to make it easy and then all the supporting document that kind of goes with it as well. No. That's all. I'm just on. Yeah. Perfect. So if you can click on that link, it shall then open up the actual statement of advice. And just let me know if you can see that one okay. Yep. Yep. You can see that okay? Yep.","start_word":113,"end_word":368,"sentiment":"neutral","sentiment_score":0.05097885266877711},{"text":"Perfect.","start_word":369,"end_word":369,"sentiment":"positive","sentiment_score":0.5727928876876831},{"text":"Now on the front page here, you can obviously see that this has been prepared just for you. Now it is valid for sixty days as well from when it was prepared. So if you do want a little bit of time to have a think about it, what you wanna do, there is time, but, otherwise, it does expire after sixty days. You'll also have my authorized representative details listed there for for you, and then, obviously, all our contact details and where we're located and everything like that. Yeah. Now on the next page, you will just see the best interest you to outline. So, obviously, we have to make sure that we take your best interest at heart before anything else, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we cannot actually make the recommendation. Does that make sense? Yep. Yep. Yep.","start_word":370,"end_word":525,"sentiment":"neutral","sentiment_score":0.11286135017871857},{"text":"Perfect.","start_word":526,"end_word":526,"sentiment":"positive","sentiment_score":0.4310790002346039},{"text":"Now next couple of pages, table content, pretty self explanatory. You'll also see scope of advice, and that is just outlining the areas we are looking at today.","start_word":527,"end_word":554,"sentiment":"neutral","sentiment_score":0.21416440606117249},{"text":"It is pretty straightforward.","start_word":555,"end_word":558,"sentiment":"positive","sentiment_score":0.33543020486831665},{"text":"The only things we are kind of looking at today is just your superannuation investment and specifically just making sure that we added a bit of gold through your portfolio. Yeah. It is fine. Yep.","start_word":559,"end_word":593,"sentiment":"neutral","sentiment_score":0.19171252846717832},{"text":"Perfect.","start_word":594,"end_word":594,"sentiment":"positive","sentiment_score":0.5158298015594482},{"text":"We're not making any changes to insurances or anything like that.","start_word":595,"end_word":605,"sentiment":"neutral","sentiment_score":0.22237704694271088},{"text":"You were quite happy with everything. So it's literally just your superannuation. So nice and easy today. Alright. Sounds good. Perfect.","start_word":606,"end_word":626,"sentiment":"positive","sentiment_score":0.5749325752258301},{"text":"Now as you kind of scroll through, you'll see a couple of pages about you. Just some information, if you can have a read through that just to make sure it's all up to date or if we need to make any changes in the back end. And then you also have this lifestyle assets and liabilities listed for you as well. Again, if you could just have a quick read over it just to make sure it's all up to date. There's that's changed a little bit, the liabilities. Okay. So there's Toyota Highlaps now as an asset. Yep. So the top table, sorry, Oh, yes. is It's your alright. assets. It's alright. Yeah. Yes. Yeah. I'll just Yep. fill that in. Yeah. No. Yeah. It's Because alright. I did update that last time that it's you only have the mortgage at least from when we spoke last. Yeah. The mortgage has changed as well. The mortgage is now $5.30. Okay.","start_word":627,"end_word":788,"sentiment":"neutral","sentiment_score":0.08107538799536818},{"text":"Perfect.","start_word":789,"end_word":789,"sentiment":"positive","sentiment_score":0.3545421063899994},{"text":"I will update that. It won't change the advice we're doing, but I'll still update that to $5.30. Did you take out a bit of equity in the house? Or Yeah. Yeah. I'll Yep. teach you a little bit accurate. I have to do Yep. some stuff. Yep. Perfect. So 05:30. Any other changes? No. That's it.","start_word":790,"end_word":846,"sentiment":"neutral","sentiment_score":0.060069490224123},{"text":"That's great.","start_word":847,"end_word":848,"sentiment":"positive","sentiment_score":0.7318270206451416},{"text":"Next page, you will see just your current superannuation insurance outlined for you. You have your super in hub 24, and you do have some life and total permanent disability insurance with ClearView. Yeah. Yep. That's fine. Yep.","start_word":849,"end_word":886,"sentiment":"neutral","sentiment_score":0.1759898066520691},{"text":"Perfect.","start_word":887,"end_word":887,"sentiment":"positive","sentiment_score":0.48682934045791626},{"text":"Now on the next page, I will let you have a read over that in your own time, the next two pages, because we did go through that last time when we kind of went through, you know, how you feel about risk and fluctuation, and you are Yeah. quite Yeah. comfortable.","start_word":888,"end_word":939,"sentiment":"neutral","sentiment_score":0.05922839418053627},{"text":"I'm cold.","start_word":940,"end_word":941,"sentiment":"negative","sentiment_score":-0.3555711805820465},{"text":"I'll let you know. Yeah. Perfect. So I'll skip all of that for you, which then takes me to page 10. Can you see that okay? I post on It can 10 be 10 page 10. 11 if it factors in the cover page, That's but, otherwise, it. Yep. page number. Yep. Yep. So this here is I have recommended that we retain your hub twenty four and just change your investment. So I did do quite a bit of research on hub twenty four and other competitors as well just to make sure Yep.","start_word":942,"end_word":1036,"sentiment":"neutral","sentiment_score":0.04792778566479683},{"text":"that hub twenty four is still going to be the best option for you, and it's still very much competitive within the market with price and features and investment flexibility. I use 24 for my personal super as well, and it's definitely still a very competitive option for you.","start_word":1037,"end_word":1085,"sentiment":"positive","sentiment_score":0.6966910362243652},{"text":"So not making any changes there for you. Yeah. That's fine. Yep.","start_word":1086,"end_word":1097,"sentiment":"neutral","sentiment_score":0.2100858688354492},{"text":"Perfect.","start_word":1098,"end_word":1098,"sentiment":"positive","sentiment_score":0.35342562198638916},{"text":"As you kind of scroll through and, again, I'll let you have a read over that in your own time. But with any recommendation, there are obviously advantages, disadvantages, and risks to be mindful of. Yep. The biggest thing is just obviously changing the investment, which I will go through in the next couple of pages on, you know, fees and stuff like that. But a risk to be mindful of is that there's always a level of risk associated with any investment option. Yeah. That's fine. Yep. Yep. Perfect. Now that then takes us through the investment change table, which is page 13. Can you see that okay? Yep. Yep. We'll come right Yep. in there. Yep. Perfect. Now from memory, you're pretty across most of investments and stuff like that, so I won't go through too much unless you want me to. But Not I have on your recommend, phone. yeah, I have recommended that we change your investment. So we are changing all of the investments over for you through a little bit new kind of updated investment, still very much aligning with your high growth aggressive, Yep. focusing on maximizing growth as much as possible. But as you would know as well, obviously, everything are always changing in the market and in the world, and it's always important to keep updating that for you. Also, Yep. because we wanted to add gold to your portfolio. So in order to fit that one in, obviously, make some tweaks and changes to your investment. So the investment philosophy, the concept, it all stays the same. We're still very much following that course that a lot approach to investment. And at the bottom there, you will see the red is the ones we are selling out of. So that is your current investment. And then the Yes. bottom there is what we are adding. So you will see that the the biggest allocation is what we would call your allocation is what we would call your core investment. So they form the core of their portfolio. So you'll have the S and P 500 and the BetaShares Australia 200. Obviously, give you a well diversified portfolio. Obviously, you don't wanna be targeting just one market. But then Yeah. through want to obviously focus on maximizing growth and give you that exposure. You will Yep. see that 9% has been added to iShares Europe, 5% to iShares Japan, and then 8% to Vanguard or World, but excluding The US because you already have exposure through The US in that iShares S and P 500. Yep. Uh-huh. Yep. You have 7% of gold added to the portfolio and then just 5% of our defensive investments just fixed interest there for you. So similar fluctuations a little bit, but mainly focusing on maximizing that growth.","start_word":1099,"end_word":1571,"sentiment":"neutral","sentiment_score":0.09051977741447362},{"text":"Alright. Sounds good.","start_word":1572,"end_word":1574,"sentiment":"positive","sentiment_score":0.48846787214279175},{"text":"Do you have any questions with the investments or anything like that? No. No. It's all pretty straightforward. No. Yep.","start_word":1575,"end_word":1594,"sentiment":"neutral","sentiment_score":0.1116120219230652},{"text":"Perfect.","start_word":1595,"end_word":1595,"sentiment":"positive","sentiment_score":0.4498943090438843},{"text":"In the appendix, which was the attachments in the email as well, there is investment links. So if it is that you do want to go and read up on these a bit more, it's all there for you as well. Alright. Yes.","start_word":1596,"end_word":1638,"sentiment":"neutral","sentiment_score":0.2109997272491455},{"text":"Perfect.","start_word":1639,"end_word":1639,"sentiment":"positive","sentiment_score":0.4647677540779114},{"text":"Now the next page for you there, Rob, you will see the risk profile like I mentioned. You will see your existing versus the proposed, just really a minor change in it, and that is mainly because we're obviously adding gold and changing the portfolio, but still very much focusing on maximizing that growth. Yep. I'm still asking. Yep. Yep.","start_word":1640,"end_word":1699,"sentiment":"neutral","sentiment_score":0.0764663890004158},{"text":"Perfect.","start_word":1700,"end_word":1700,"sentiment":"positive","sentiment_score":0.3392428755760193},{"text":"Now on the next page, you will then see page 15 where it says let me see here. The little table with all the numbers. Can you see that? Yep. So that one here shows you your current situation Yes. and the recommended. Now I do wanna highlight at the top where you see the difference in the balance. Yes. The reason is that because we are obviously selling a buying investment or more so selling investments for you, because some of your investments have gone up, which is great, there is a little bit of capital gains tax that will be paid within super environment for you to make that change. Yes. So when we did the math, it was about 733. It can obviously change on the daily, but that will be roughly the cost to make the investment change for you so that you are aware. Yes. Fine. Yep.","start_word":1701,"end_word":1852,"sentiment":"neutral","sentiment_score":0.17783339556894803},{"text":"Perfect.","start_word":1853,"end_word":1853,"sentiment":"positive","sentiment_score":0.4783969223499298},{"text":"Now as you can see, you will see, obviously, all the fees and everything like that, not making any changes to the contribution. Advise the fee stays the same. Insurance does all stays the same.","start_word":1854,"end_word":1888,"sentiment":"neutral","sentiment_score":0.1916707903146744},{"text":"But by actually making some changes to those investments for you, you will see that the total cost is actually a little bit cheaper, which is good just from chop stopping some of those investments out.","start_word":1889,"end_word":1924,"sentiment":"positive","sentiment_score":0.3780520558357239},{"text":"Already. Yep. Yep.","start_word":1925,"end_word":1927,"sentiment":"neutral","sentiment_score":0.17862628400325775},{"text":"Perfect.","start_word":1928,"end_word":1928,"sentiment":"positive","sentiment_score":0.41761553287506104},{"text":"Now you can then also see the invest the five year rolling average. So you can see your current portfolio K. and the recommended. We do use the five year rolling average to give you a bit more certainty of what's happened in the market and the world as well. Because otherwise, you know, some years, it would have looks like you've won the lottery, whereas other years, not good. Yeah. So we Yeah. use I know five year rolling. that. It's going backwards. Yeah. Exactly. So by making the change, if we just use at the five year rolling average, the new portfolio has outperformed your old one, and it's also cheaper. That is looking No. at the five year rolling average. But on the next page, you will actually see the returns broken down in a bit more detail for you. So you see twelve months, three years, five years, and ten years. And you can Yep. see that even throughout all of it, it still has outperformed. Yep.","start_word":1929,"end_word":2099,"sentiment":"neutral","sentiment_score":0.12196052074432372},{"text":"Sounds good.","start_word":2100,"end_word":2101,"sentiment":"positive","sentiment_score":0.4645305275917053},{"text":"Yep.","start_word":2102,"end_word":2102,"sentiment":"neutral","sentiment_score":0.29001927375793457},{"text":"Perfect.","start_word":2103,"end_word":2103,"sentiment":"positive","sentiment_score":0.45886653661727905},{"text":"At the top of that table, you will also see we've just kind of projected that forward for you for five and ten years to see kind of roughly where things would be at if, obviously, everything continues the same way.","start_word":2104,"end_word":2144,"sentiment":"neutral","sentiment_score":0.19440822303295135},{"text":"That's right. That's good Yep. to me. Perfect.","start_word":2145,"end_word":2152,"sentiment":"positive","sentiment_score":0.5811821818351746},{"text":"Now the next page just shows your ongoing service. You obviously would be aware of that. We do the annual reviews. But if you need any assistance or need anything else in the meantime, you can always give me a call or send me an email, and we can obviously, you know, talk of different areas and stuff like that as well. Yeah. It's fine. Yep.","start_word":2153,"end_word":2218,"sentiment":"neutral","sentiment_score":0.10834182053804398},{"text":"Perfect.","start_word":2219,"end_word":2219,"sentiment":"positive","sentiment_score":0.41270849108695984},{"text":"The last thing is just the on page 19, that is just the ongoing advice fee. So like I said, no changes whatsoever through the ongoing advice fee. It stays exactly the same at 1.65. And, obviously, if you wanna go ahead and make these change, like I said, there is no additional fees or anything like that. It's all part of the service. And underneath that, you'll also see your current ClearView policy. We do get 22% ongoing premium for having the insurances, but that is ClearView paying us. It is not you paying us. But for compliance, we need to disclose all the commissions we received so you are fully aware. Yeah. That's fine. That's Yeah.","start_word":2220,"end_word":2337,"sentiment":"neutral","sentiment_score":0.10185948014259338},{"text":"all Perfect. good.","start_word":2338,"end_word":2340,"sentiment":"positive","sentiment_score":0.4991587698459625},{"text":"And that is essentially it. It is summarized on the kind of last page, the authority to proceed, and that is if you're happy to go ahead and make this change, if you want to sign the documents, then I can Already let the has. team know.","start_word":2341,"end_word":2387,"sentiment":"neutral","sentiment_score":0.11175160855054855},{"text":"Oh, perfect.","start_word":2388,"end_word":2389,"sentiment":"positive","sentiment_score":0.4408641457557678},{"text":"Beat me to it.","start_word":2390,"end_word":2393,"sentiment":"neutral","sentiment_score":0.33221790194511414},{"text":"And then I will let them know, and we'll just go and make that switch for you. And that was essentially everything. So it was nice and easy today. I will, let the team know that you're happy with this change.","start_word":2394,"end_word":2434,"sentiment":"positive","sentiment_score":0.4944557547569275},{"text":"We will go ahead and make it, and you will see that in your hub twenty four account, as well. No. No worries.","start_word":2435,"end_word":2457,"sentiment":"neutral","sentiment_score":0.3173547685146332},{"text":"Thank Yep. you very much. Perfect.","start_word":2458,"end_word":2463,"sentiment":"positive","sentiment_score":0.542799711227417},{"text":"Do you have any other questions or anything No. for No. me Everything's otherwise? sound pretty good. No. Yep. No.","start_word":2464,"end_word":2483,"sentiment":"neutral","sentiment_score":0.08065524697303772},{"text":"It's kinda pretty Great. Perfect. Well, I will let you go, and enjoy the rest of your day.","start_word":2484,"end_word":2501,"sentiment":"positive","sentiment_score":0.481257826089859},{"text":"If there is anything you need, though, don't hesitate to give me a call.","start_word":2502,"end_word":2515,"sentiment":"neutral","sentiment_score":0.07535064220428467},{"text":"good.","start_word":2516,"end_word":2516,"sentiment":"positive","sentiment_score":0.3875435292720794},{"text":"Alright.","start_word":2517,"end_word":2517,"sentiment":"neutral","sentiment_score":0.3052096962928772},{"text":"No worries. Thank you. No problem at all. You have a Have lovely a lovely rest of your day. day. You too. You Thank too. you.","start_word":2518,"end_word":2543,"sentiment":"positive","sentiment_score":0.5873858332633972},{"text":"Bye. Bye.","start_word":2544,"end_word":2545,"sentiment":"neutral","sentiment_score":0.23669391870498657}],"average":{"sentiment":"neutral","sentiment_score":0.15207386993685068}}}}