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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. Yep. Perfect. And just for security purposes as well, just so that I can confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Yep. Yep. Perfect. And how's your day been so far? I've been busy. Yeah. Well, I will try not to keep you for too long. Now do you have access to your emails at the moment, Matthew? Yeah. Yeah. Yeah. It whatever whatever works for you. I have just sent you an email with the recommendation. And, yeah, it just makes it a little bit easier if you can get that up at the same time. So just let me know if that came through okay to you. Yep. Yes. Yes, please. Because it will allow you to open up and view everything before it prompts you to sign anything just to make sure, obviously, you are happy. Yep. So can you see the cover page where it says statement of advice? Yep. Perfect. Now it is pretty straightforward today. You will see it's about 28 pages. A lot of it is just for compliance purposes. Just so that you fully understand everything, I'll just kind of touch on the main points because it is pretty straightforward. Now it has been tailored specifically for you, and every time we do make a recommendation on a financial product and make tailored financial advice, we have to put everything in the statement of advice. So, again, a lot of waste of compliance, but just so that you fully understand. Now you will also see that this has been prepared by myself. You will see my authorized representative number listed, and I am licensed under Oakview Financial. Now on the second page, it talks a little bit about the best interest duty. Do you remember ever hearing about that before? No. Basically, what it means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, I can't actually make the recommendation. Does that make sense? Yep. Perfect. Now as you scroll through for me, you will see on page three, it talks about scope of advice. Basically, what this means is the areas we are looking at today. So, like I said, pretty straightforward. Main focus is to just review your superannuation, having a look to see if that SMA was going to be a good option for you or if any other options with the investment. Do you kind of remember that conversation? Yep. Beautiful. Otherwise, not making any changes in regards to insurances or anything else. Literally, just your insurances or anything else, literally just your super investments. So if you can scroll through for me, you will see as you're scrolling, just a bit of personal information about you, lifestyle assets, liabilities, insurances like we touched on during the under review. And then page 11, that talks about your risk profile. Now during the under review, you came out as a high growth investor, which you are currently invested in, which is tolerance, but also time frame until retirement. So we are not making any changes in regards to that risk allocation. I'm literally just looking at changing investment for you. Yep. Perfect. Now what I have actually recommended so if you can scroll down to page 13 for me, this outlines that. So what I have recommended is actually moving through the SMA product. Now what that actually looks like, I usually find the best way to look at it is if you want to scroll down to page 20 for me. It kind of summarizes everything. A lot of what you just scrolled past is just words. This, I usually find it's a bit easier to kind of look at it on how what it actually looks like. So you can see here your current situation with Hub twenty four. Now part of the research is I also considered a lot of other super funds for you because you never know. There's always new features and products that come out, so it is good to assess that there's nothing tying us to Hub twenty four. So if there was another super fund better suited for you, we obviously wanna make sure we consider it. But at the moment, Hub twenty four is very competitive when it comes to their fees and features and available investment choices. So I have recommended that we stay in Hub twenty four. Now I use Hub twenty four for my personal super as well, so it is very competitive. So recommending staying in Hub 24, but moving into that SMA. Now what that actually looks like, you can kind of see here that the biggest thing is the investment fees. It is saving you about $232 a year. So reducing that fees a little bit into slightly cheaper investments, which is good. But another good thing is that with the SMA, it is actually available on a slightly different product offering with hub twenty four. So hub twenty four, they have three different product offering, and it kind of depends on the the level of investment choices. So you have the one that you are on, which is your choice option. That's the one that kind of gives you the most comprehensive selection on investments, and that is usually where we would tailor investments. But the good thing with the SMA, it is available on that kind of second tier product, which means that there is slightly less availability for investments, but it doesn't really matter because the SMA is available, which is fantastic. So what it means is that you don't have to pay the same level of admin fee because it's like a cheaper product still within hub 24, though. So that is saving you about a $180 a year, which, again, it all adds up. Does that make sense? Yep. Perfect. Otherwise, no changes to the adviser fees or contributions or insurances. Another thing I did wanna consider is that often when we do make changes to investments, and so when we are selling investments, there will be capital gains tax sometimes applicable with making a change. But the good thing is that with the SMA, there are some of your current investments that overlap, which is great. And what that basically means when we did the research is that there is estimated to be no capital gains tax, which is great. Yep. It can obviously fluctuate on a daily depending on the market price of everything. But when we put it all together, there was no capital gains tax, which again was was a big thing. I wanted to make sure we didn't get for you, which is great. Now what it actually looks like in terms of the performance as well is that, typically, when we are using projections and stuff, we like to use a five year rolling average. Now we can never obviously guarantee what is going to happen with the investments in the market. You never know. But that is why we want to use a five year rolling average because using a five year period and then dividing that makes it a little bit more certain of what has happened in the market, but also the portfolio. So it gives us a little bit more certainty than if we were to use, let's say, a twelve month period. Just depending on when we use that twelve month period, sometimes it would have made, like, you won the lottery, whereas other years, not so good. So the five years gives us a little bit more certainty. Does that make sense, Matthew? Yep. Perfect. But you can see here that even though both portfolios, so your current and the SMA, are in a high growth portfolio, the SMA has outperformed your current portfolio by quite a bit, which is really good. The biggest thing with the SMA as well is that from the conversation last time, if you remember, is that it gives us that flexibility. So this shows you the five year historical returns, but the biggest thing is that the flexibility it allows us to do in a proactive manner for you moving forward. So if there is a bit of prevalence in the market like we have seen in the last twelve months, we can very quickly make these changes for you without having to go through this kind of lengthier, SOA process. We're still making sure, obviously, we always follow that best interest duty and do what's best for you. But it kind of minimizes that a little bit, which makes it a lot quicker, which is great, especially when the market is always moving. You wanna be proactive and making those quick choices. Yep. Now on the next page, I have then kind of projected things forward for five and ten years to show you the difference. So you can see that even though we're reducing the fees, keeping the same level of risk, and improving those returns, it all compounds and makes a pretty big difference. Yep. Now underneath that, I have also just included a little bit more in regards to the returns. So you can see the twelve month comparison, three, five, and ten years. And you can see that across all time frames, the SMA has still outperformed your current performance as well. Yeah. Now if you wanna scroll up for me back up to page 19, it shows you the asset allocation. So, basically, this shows you your your risk profile, which we are aiming for around that 90% in growth, 10 in defensive. You can see your existing portfolio, about eighty seven eighty seven and then twelve thirteen in defensive. And then the proposed portfolio, which is about the $92.08. So both very very much align with the risk profile for you and still very much within that high growth capacity. Now if you scroll up to page 18 for me, it shows you the investments. So like I said, we are I have recommended that we move to the SMA. Now we have a lot of different SMA products. So if you're trying to get it through that high growth portfolio, it will be a a bit of a mix of two, which also gives you good diversification. So 50% will go into, the one that's called Catalyst, and 50% will go into the one, that's called Bloom, who then gives you good diversification with the investments and aligns things as a high growth portfolio. Now because, obviously, things are always changing, it still gives you the flexibility that if you do go into your Hub twenty four account, you can then click on them. So you can click on the catalyst in the bloom, and it's a drop down of all the investments in there. So you can still see them. Yep. Otherwise, we're obviously changing and selling out of the others and moving into the SMA. But, again, you still have the option of looking at the investments in the SMA. They can obviously change with, obviously, market and decisions that we do along with BlackRock, but it's still there for full visibility for you as well. Does that make sense? Yep. Fantastic. And now some of the other pages that you did scroll through earlier, it just kind of summarizes everything I've touched on. It puts it into words kind of how that align with your best interest duty, which factors in, obviously, your personal circumstances, your risk tolerance, investment objectives, time frames, capital gains tax, everything of why this was aligning with that best interest. It also talks about advantages and some disadvantages. So, obviously, I touched on the fee saving. Everything will continue to be invested in line with your risk profile. But then, also, aside from our investment committee, you've then obviously taking advantage of BlackRock's investment team as well, which is a great resource. One of the the risks to be mindful of is that there is always a level of risk associated with an investment option, and there's no guarantee. But, again, that's where the SMA comes in very competitive in that we can make those changes quickly for you based on the market. Yep. Any questions? That's pretty straightforward. We kind of touched on most of it last time. It was just making sure that was going to be the best option for you. Now just to finish off, if you can scroll down to page 24 for me. Yep. Now like I mentioned in under review as well, there is no changes whatsoever in regards to the fee structure. So with the SMA or no estimate, the fee structure is no different. It stays exactly the same at 1.65 from SUSVA. And, again, it is not a lock in contract. So if at any point in time, you are not happy. It is not a lock in contract. And even though we show you the yearly amount, it is just deducted monthly from your account to make it more fair for you as well with, obviously, market fluctuations. No additional fees or charges if you wanted to go ahead with the recommendation. It's all part of that ongoing service. Yep. Perfect. And that was basically everything. So pretty straightforward. Basically, what I have recommended is staying in Hub 24, changing to that slightly cheaper menu option, and then investing in the SMA aligning with your high growth risk profile. Perfect. Do you have any questions, Matthew? What are your thoughts on That's all sounds good. Perfect. So, essentially, from here, if you if you wanna take some time to have a read over it, you're more than welcome to. But if you are, you know, happy to go ahead with the recommendation in order to move forward, it would then be while you are in the document, it will ask you to add a signature on the statement of advice. And I think it asks you for a date as well. Often, that does happen automatically. And then it will say yep. Yep. Probably because you have signed using the same software before, so it recognizes your login. Second of yeah. Which is crazy that we're already in July. Crazy. Well, the day's gone. It is it allows you to type if you wanted to write like, it allows you to type a variation. So if it was that you wanted to go ahead with something and not, you can if it if it forces you to type, you can just put NA or a full stop, and it should allow you to press next or validate, or sometimes it allows you to just press next and validate. But it's just there if you wanted to make a comment. No. Mhmm. Mhmm. Yes. That is the the form to then change the product from that choice to core. There's already a pre filled to make it nice and easy for you. Yep. Yep. And part of the document as well, it won't get you to add a signature on them. But if you wanted to go back and have a look later, it's all saved in your account. But it's also all the product disclosure statement. So, basically, all the everything that you need to know about hub twenty four, and there's a lot of information about the SMA as well. They're they're quite long and lengthy. But everything is there for you if it is that you ever wanted to go back and have a look at it. If for some reason you can't access it, just let me know because we always have a copy on file for everything, and I'm more than happy to email that through to you as well. Yep. Fantastic. Yeah. I can see that that just came through on my end, Matthew, which is great. So I will let the team know that we'll go ahead and make this switch for you, and you should then be able to see that in your hub twenty four account and all those investments as well, which is great. If there is anything else, though, that you need at any point in time, it doesn't have to be under review time, just send me an email or give us a call, and we can always book you in for a catch up whenever you want to as well. Yep. Beautiful. Do you have any questions for me before I let you go and enjoy the rest of your evening? No? Yep. Beautiful. Well, thank you so much for your time this afternoon, Matthew, and I hope you enjoy the rest of your night. Mhmm. Mhmm. Thank you. We'll speak soon. 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afternoon. Is this Matthew? This is Veronica from McHugh Financial. How are you? Good.\n\nThanks. I had you booked in to go over the research I did on your super investments. Is now still a good time for you? Yep. Perfect.\n\nNow 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. Yep. Perfect. And just for security purposes as well, just so that I can confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Yep.\n\nYep. Perfect. And how's your day been so far? I've been busy. Yeah.\n\nWell, I will try not to keep you for too long. Now do you have access to your emails at the moment, Matthew? Yeah. Yeah. Yeah.\n\nIt whatever whatever works for you. I have just sent you an email with the recommendation. And, yeah, it just makes it a little bit easier if you can get that up at the same time. So just let me know if that came through okay to you. Yep.\n\nYes. Yes, please. Because it will allow you to open up and view everything before it prompts you to sign anything just to make sure, obviously, you are happy. Yep. So can you see the cover page where it says statement of advice?\n\nYep. Perfect. Now it is pretty straightforward today. You will see it's about 28 pages. A lot of it is just for compliance purposes.\n\nJust so that you fully understand everything, I'll just kind of touch on the main points because it is pretty straightforward. Now it has been tailored specifically for you, and every time we do make a recommendation on a financial product and make tailored financial advice, we have to put everything in the statement of advice. So, again, a lot of waste of compliance, but just so that you fully understand. Now you will also see that this has been prepared by myself. You will see my authorized representative number listed, and I am licensed under Oakview Financial.\n\nNow on the second page, it talks a little bit about the best interest duty. Do you remember ever hearing about that before? No. Basically, what it means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, I can't actually make the recommendation.\n\nDoes that make sense? Yep. Perfect. Now as you scroll through for me, you will see on page three, it talks about scope of advice. Basically, what this means is the areas we are looking at today.\n\nSo, like I said, pretty straightforward. Main focus is to just review your superannuation, having a look to see if that SMA was going to be a good option for you or if any other options with the investment. Do you kind of remember that conversation? Yep. Beautiful.\n\nOtherwise, not making any changes in regards to insurances or anything else. Literally, just your insurances or anything else, literally just your super investments. So if you can scroll through for me, you will see as you're scrolling, just a bit of personal information about you, lifestyle assets, liabilities, insurances like we touched on during the under review. And then page 11, that talks about your risk profile. Now during the under review, you came out as a high growth investor, which you are currently invested in, which is tolerance, but also time frame until retirement.\n\nSo we are not making any changes in regards to that risk allocation. I'm literally just looking at changing investment for you. Yep. Perfect. Now what I have actually recommended so if you can scroll down to page 13 for me, this outlines that.\n\nSo what I have recommended is actually moving through the SMA product. Now what that actually looks like, I usually find the best way to look at it is if you want to scroll down to page 20 for me. It kind of summarizes everything. A lot of what you just scrolled past is just words. This, I usually find it's a bit easier to kind of look at it on how what it actually looks like.\n\nSo you can see here your current situation with Hub twenty four. Now part of the research is I also considered a lot of other super funds for you because you never know. There's always new features and products that come out, so it is good to assess that there's nothing tying us to Hub twenty four. So if there was another super fund better suited for you, we obviously wanna make sure we consider it. But at the moment, Hub twenty four is very competitive when it comes to their fees and features and available investment choices.\n\nSo I have recommended that we stay in Hub twenty four. Now I use Hub twenty four for my personal super as well, so it is very competitive. So recommending staying in Hub 24, but moving into that SMA. Now what that actually looks like, you can kind of see here that the biggest thing is the investment fees. It is saving you about $232 a year.\n\nSo reducing that fees a little bit into slightly cheaper investments, which is good. But another good thing is that with the SMA, it is actually available on a slightly different product offering with hub twenty four. So hub twenty four, they have three different product offering, and it kind of depends on the the level of investment choices. So you have the one that you are on, which is your choice option. That's the one that kind of gives you the most comprehensive selection on investments, and that is usually where we would tailor investments.\n\nBut the good thing with the SMA, it is available on that kind of second tier product, which means that there is slightly less availability for investments, but it doesn't really matter because the SMA is available, which is fantastic. So what it means is that you don't have to pay the same level of admin fee because it's like a cheaper product still within hub 24, though. So that is saving you about a $180 a year, which, again, it all adds up. Does that make sense? Yep.\n\nPerfect. Otherwise, no changes to the adviser fees or contributions or insurances. Another thing I did wanna consider is that often when we do make changes to investments, and so when we are selling investments, there will be capital gains tax sometimes applicable with making a change. But the good thing is that with the SMA, there are some of your current investments that overlap, which is great. And what that basically means when we did the research is that there is estimated to be no capital gains tax, which is great.\n\nYep. It can obviously fluctuate on a daily depending on the market price of everything. But when we put it all together, there was no capital gains tax, which again was was a big thing. I wanted to make sure we didn't get for you, which is great. Now what it actually looks like in terms of the performance as well is that, typically, when we are using projections and stuff, we like to use a five year rolling average.\n\nNow we can never obviously guarantee what is going to happen with the investments in the market. You never know. But that is why we want to use a five year rolling average because using a five year period and then dividing that makes it a little bit more certain of what has happened in the market, but also the portfolio. So it gives us a little bit more certainty than if we were to use, let's say, a twelve month period. Just depending on when we use that twelve month period, sometimes it would have made, like, you won the lottery, whereas other years, not so good.\n\nSo the five years gives us a little bit more certainty. Does that make sense, Matthew? Yep. Perfect. But you can see here that even though both portfolios, so your current and the SMA, are in a high growth portfolio, the SMA has outperformed your current portfolio by quite a bit, which is really good.\n\nThe biggest thing with the SMA as well is that from the conversation last time, if you remember, is that it gives us that flexibility. So this shows you the five year historical returns, but the biggest thing is that the flexibility it allows us to do in a proactive manner for you moving forward. So if there is a bit of prevalence in the market like we have seen in the last twelve months, we can very quickly make these changes for you without having to go through this kind of lengthier, SOA process. We're still making sure, obviously, we always follow that best interest duty and do what's best for you. But it kind of minimizes that a little bit, which makes it a lot quicker, which is great, especially when the market is always moving.\n\nYou wanna be proactive and making those quick choices. Yep. Now on the next page, I have then kind of projected things forward for five and ten years to show you the difference. So you can see that even though we're reducing the fees, keeping the same level of risk, and improving those returns, it all compounds and makes a pretty big difference. Yep.\n\nNow underneath that, I have also just included a little bit more in regards to the returns. So you can see the twelve month comparison, three, five, and ten years. And you can see that across all time frames, the SMA has still outperformed your current performance as well. Yeah. Now if you wanna scroll up for me back up to page 19, it shows you the asset allocation.\n\nSo, basically, this shows you your your risk profile, which we are aiming for around that 90% in growth, 10 in defensive. You can see your existing portfolio, about eighty seven eighty seven and then twelve thirteen in defensive. And then the proposed portfolio, which is about the $92.08. So both very very much align with the risk profile for you and still very much within that high growth capacity. Now if you scroll up to page 18 for me, it shows you the investments.\n\nSo like I said, we are I have recommended that we move to the SMA. Now we have a lot of different SMA products. So if you're trying to get it through that high growth portfolio, it will be a a bit of a mix of two, which also gives you good diversification. So 50% will go into, the one that's called Catalyst, and 50% will go into the one, that's called Bloom, who then gives you good diversification with the investments and aligns things as a high growth portfolio. Now because, obviously, things are always changing, it still gives you the flexibility that if you do go into your Hub twenty four account, you can then click on them.\n\nSo you can click on the catalyst in the bloom, and it's a drop down of all the investments in there. So you can still see them. Yep. Otherwise, we're obviously changing and selling out of the others and moving into the SMA. But, again, you still have the option of looking at the investments in the SMA.\n\nThey can obviously change with, obviously, market and decisions that we do along with BlackRock, but it's still there for full visibility for you as well. Does that make sense? Yep. Fantastic. And now some of the other pages that you did scroll through earlier, it just kind of summarizes everything I've touched on.\n\nIt puts it into words kind of how that align with your best interest duty, which factors in, obviously, your personal circumstances, your risk tolerance, investment objectives, time frames, capital gains tax, everything of why this was aligning with that best interest. It also talks about advantages and some disadvantages. So, obviously, I touched on the fee saving. Everything will continue to be invested in line with your risk profile. But then, also, aside from our investment committee, you've then obviously taking advantage of BlackRock's investment team as well, which is a great resource.\n\nOne of the the risks to be mindful of is that there is always a level of risk associated with an investment option, and there's no guarantee. But, again, that's where the SMA comes in very competitive in that we can make those changes quickly for you based on the market. Yep. Any questions? That's pretty straightforward.\n\nWe kind of touched on most of it last time. It was just making sure that was going to be the best option for you. Now just to finish off, if you can scroll down to page 24 for me. Yep. Now like I mentioned in under review as well, there is no changes whatsoever in regards to the fee structure.\n\nSo with the SMA or no estimate, the fee structure is no different. It stays exactly the same at 1.65 from SUSVA. And, again, it is not a lock in contract. So if at any point in time, you are not happy. It is not a lock in contract.\n\nAnd even though we show you the yearly amount, it is just deducted monthly from your account to make it more fair for you as well with, obviously, market fluctuations. No additional fees or charges if you wanted to go ahead with the recommendation. It's all part of that ongoing service. Yep. Perfect.\n\nAnd that was basically everything. So pretty straightforward. Basically, what I have recommended is staying in Hub 24, changing to that slightly cheaper menu option, and then investing in the SMA aligning with your high growth risk profile. Perfect. Do you have any questions, Matthew?\n\nWhat are your thoughts on That's all sounds good. Perfect. So, essentially, from here, if you if you wanna take some time to have a read over it, you're more than welcome to. But if you are, you know, happy to go ahead with the recommendation in order to move forward, it would then be while you are in the document, it will ask you to add a signature on the statement of advice. And I think it asks you for a date as well.\n\nOften, that does happen automatically. And then it will say yep. Yep. Probably because you have signed using the same software before, so it recognizes your login. Second of yeah.\n\nWhich is crazy that we're already in July. Crazy. Well, the day's gone. It is it allows you to type if you wanted to write like, it allows you to type a variation. So if it was that you wanted to go ahead with something and not, you can if it if it forces you to type, you can just put NA or a full stop, and it should allow you to press next or validate, or sometimes it allows you to just press next and validate.\n\nBut it's just there if you wanted to make a comment. No. Mhmm. Mhmm. Yes.\n\nThat is the the form to then change the product from that choice to core. There's already a pre filled to make it nice and easy for you. Yep. Yep. And part of the document as well, it won't get you to add a signature on them.\n\nBut if you wanted to go back and have a look later, it's all saved in your account. But it's also all the product disclosure statement. So, basically, all the everything that you need to know about hub twenty four, and there's a lot of information about the SMA as well. They're they're quite long and lengthy. But everything is there for you if it is that you ever wanted to go back and have a look at it.\n\nIf for some reason you can't access it, just let me know because we always have a copy on file for everything, and I'm more than happy to email that through to you as well. Yep. Fantastic. Yeah. I can see that that just came through on my end, Matthew, which is great.\n\nSo I will let the team know that we'll go ahead and make this switch for you, and you should then be able to see that in your hub twenty four account and all those investments as well, which is great. If there is anything else, though, that you need at any point in time, it doesn't have to be under review time, just send me an email or give us a call, and we can always book you in for a catch up whenever you want to as well. Yep. Beautiful. Do you have any questions for me before I let you go and enjoy the rest of your evening?\n\nNo? Yep. Beautiful. Well, thank you so much for your time this afternoon, Matthew, and I hope you enjoy the rest of your night. Mhmm.\n\nMhmm. Thank you. We'll speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":6.0,"end":6.56,"sentiment":"neutral","sentiment_score":0.2550312876701355},{"text":"Is this Matthew?","start":6.56,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.153785506884257},{"text":"This is Veronica from McHugh Financial.","start":9.36,"end":11.54,"sentiment":"neutral","sentiment_score":0.17818404485781988},{"text":"How are you?","start":11.679999,"end":12.465,"sentiment":"neutral","sentiment_score":0.1897012541691462},{"text":"Good.","start":14.305,"end":14.625,"sentiment":"positive","sentiment_score":0.5354649424552917}],"sentiment":"neutral","sentiment_score":0.20967280467351276,"num_words":15,"start":6.0,"end":14.625},{"sentences":[{"text":"Thanks.","start":14.625,"end":15.125,"sentiment":"positive","sentiment_score":0.5954223871231079},{"text":"I had you booked in to go over the research I did on your super investments.","start":16.225,"end":20.725,"sentiment":"neutral","sentiment_score":0.26653171982616186},{"text":"Is now still a good time for you?","start":20.785,"end":22.645,"sentiment":"neutral","sentiment_score":0.27148499339818954},{"text":"Yep.","start":23.345001,"end":23.845001,"sentiment":"neutral","sentiment_score":0.28653523325920105},{"text":"Perfect.","start":24.305,"end":24.805,"sentiment":"positive","sentiment_score":0.460148811340332}],"sentiment":"neutral","sentiment_score":0.28809236652321285,"num_words":27,"start":14.625,"end":24.805},{"sentences":[{"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.","start":25.4,"end":32.78,"sentiment":"neutral","sentiment_score":0.06088484553941365},{"text":"Yep.","start":34.28,"end":34.68,"sentiment":"neutral","sentiment_score":0.24493494629859924},{"text":"Perfect.","start":34.68,"end":35.18,"sentiment":"positive","sentiment_score":0.3786385953426361},{"text":"And just for security purposes as well, just so that I can confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?","start":35.32,"end":46.114998,"sentiment":"neutral","sentiment_score":0.1353976803107394},{"text":"Yep.","start":50.734997,"end":51.234997,"sentiment":"neutral","sentiment_score":0.02781764045357704}],"sentiment":"neutral","sentiment_score":0.10722600285182982,"num_words":68,"start":25.4,"end":51.234997},{"sentences":[{"text":"Yep.","start":55.95,"end":56.43,"sentiment":"neutral","sentiment_score":0.09328630566596983},{"text":"Perfect.","start":56.43,"end":56.93,"sentiment":"neutral","sentiment_score":0.25298523902893066},{"text":"And how's your day been so far?","start":56.99,"end":58.43,"sentiment":"neutral","sentiment_score":0.11050506681203842},{"text":"I've been busy.","start":58.43,"end":59.170002,"sentiment":"neutral","sentiment_score":-0.11050189286470413},{"text":"Yeah.","start":60.510002,"end":61.010002,"sentiment":"neutral","sentiment_score":0.01402367278933525}],"sentiment":"neutral","sentiment_score":0.06171730819803018,"num_words":13,"start":55.95,"end":61.010002},{"sentences":[{"text":"Well, I will try not to keep you for too long.","start":63.15,"end":66.05,"sentiment":"neutral","sentiment_score":-0.07085346650670875},{"text":"Now do you have access to your emails at the moment, Matthew?","start":67.445,"end":70.425,"sentiment":"neutral","sentiment_score":0.03565083025023341},{"text":"Yeah.","start":73.605,"end":73.845,"sentiment":"neutral","sentiment_score":0.05471740663051605},{"text":"Yeah.","start":73.845,"end":74.165,"sentiment":"neutral","sentiment_score":0.07251393795013428},{"text":"Yeah.","start":74.165,"end":74.405,"sentiment":"neutral","sentiment_score":0.09426029026508333}],"sentiment":"neutral","sentiment_score":-0.005003328220202372,"num_words":26,"start":63.15,"end":74.405},{"sentences":[{"text":"It whatever whatever works for you.","start":74.405,"end":76.505005,"sentiment":"neutral","sentiment_score":0.1566390929122766},{"text":"I have just sent you an email with the recommendation.","start":78.085,"end":80.745,"sentiment":"neutral","sentiment_score":0.17234070003032684},{"text":"And, yeah, it just makes it a little bit easier if you can get that up at the same time.","start":82.380005,"end":87.04,"sentiment":"neutral","sentiment_score":0.21484440192580223},{"text":"So just let me know if that came through okay to you.","start":87.98,"end":90.8,"sentiment":"neutral","sentiment_score":0.17765281473596892},{"text":"Yep.","start":94.315,"end":94.815,"sentiment":"neutral","sentiment_score":0.0965336412191391}],"sentiment":"neutral","sentiment_score":0.18752034723150487,"num_words":49,"start":74.405,"end":94.815},{"sentences":[{"text":"Yes.","start":101.435005,"end":101.935005,"sentiment":"neutral","sentiment_score":0.10787306725978851},{"text":"Yes, please.","start":102.075005,"end":102.795006,"sentiment":"neutral","sentiment_score":0.13912289589643478},{"text":"Because it will allow you to open up and view everything before it prompts you to sign anything just to make sure, obviously, you are happy.","start":102.795006,"end":110.590004,"sentiment":"neutral","sentiment_score":0.18588575778099206},{"text":"Yep.","start":134.28,"end":134.76,"sentiment":"neutral","sentiment_score":0.05371813103556633},{"text":"So can you see the cover page where it says statement of advice?","start":134.76,"end":138.86,"sentiment":"neutral","sentiment_score":0.0487280273093627}],"sentiment":"neutral","sentiment_score":0.1373565359864124,"num_words":43,"start":101.435005,"end":138.86},{"sentences":[{"text":"Yep.","start":140.36,"end":140.86,"sentiment":"neutral","sentiment_score":0.12575970590114594},{"text":"Perfect.","start":140.92,"end":141.42,"sentiment":"positive","sentiment_score":0.34387528896331787},{"text":"Now it is pretty straightforward today.","start":141.64,"end":144.38,"sentiment":"neutral","sentiment_score":0.3265108068784078},{"text":"You will see it's about 28 pages.","start":145.0,"end":146.92,"sentiment":"neutral","sentiment_score":0.13893945621592657},{"text":"A lot of it is just for compliance purposes.","start":146.92,"end":149.045,"sentiment":"neutral","sentiment_score":0.10490449931886461}],"sentiment":"neutral","sentiment_score":0.1810590218131741,"num_words":24,"start":140.36,"end":149.045},{"sentences":[{"text":"Just so that you fully understand everything, I'll just kind of touch on the main points because it is pretty straightforward.","start":149.58499,"end":155.205,"sentiment":"neutral","sentiment_score":0.3009908153187661},{"text":"Now it has been tailored specifically for you, and every time we do make a recommendation on a financial product and make tailored financial advice, we have to put everything in the statement of advice.","start":157.025,"end":168.01001,"sentiment":"neutral","sentiment_score":0.2544125273823738},{"text":"So, again, a lot of waste of compliance, but just so that you fully understand.","start":168.01001,"end":172.43001,"sentiment":"neutral","sentiment_score":-0.21338856468598047},{"text":"Now you will also see that this has been prepared by myself.","start":173.29001,"end":177.23001,"sentiment":"neutral","sentiment_score":0.08251816531022389},{"text":"You will see my authorized representative number listed, and I am licensed under Oakview Financial.","start":177.37001,"end":182.92499,"sentiment":"neutral","sentiment_score":0.07657847627997398}],"sentiment":"neutral","sentiment_score":0.14452359426234448,"num_words":98,"start":149.58499,"end":182.92499},{"sentences":[{"text":"Now on the second page, it talks a little bit about the best interest duty.","start":184.42499,"end":189.00499,"sentiment":"neutral","sentiment_score":0.02576910356680552},{"text":"Do you remember ever hearing about that before?","start":189.22499,"end":191.56499,"sentiment":"neutral","sentiment_score":-0.006473293295130134},{"text":"No.","start":197.18001,"end":197.68001,"sentiment":"neutral","sentiment_score":-0.2384115755558014},{"text":"Basically, what it means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice.","start":198.06001,"end":208.665,"sentiment":"neutral","sentiment_score":-0.07959925021444048},{"text":"Otherwise, I can't actually make the recommendation.","start":208.885,"end":210.825,"sentiment":"negative","sentiment_score":-0.36231811131749836}],"sentiment":"neutral","sentiment_score":-0.07917972583549493,"num_words":66,"start":184.42499,"end":210.825},{"sentences":[{"text":"Does that make sense?","start":211.125,"end":212.265,"sentiment":"neutral","sentiment_score":-0.09346674010157585},{"text":"Yep.","start":213.045,"end":213.545,"sentiment":"neutral","sentiment_score":0.11110752820968628},{"text":"Perfect.","start":213.605,"end":214.105,"sentiment":"positive","sentiment_score":0.3680284321308136},{"text":"Now as you scroll through for me, you will see on page three, it talks about scope of advice.","start":214.325,"end":222.425,"sentiment":"neutral","sentiment_score":0.1253222270231498},{"text":"Basically, what this means is the areas we are looking at today.","start":224.32,"end":228.1,"sentiment":"neutral","sentiment_score":0.10783399951954682}],"sentiment":"neutral","sentiment_score":0.10217295425969201,"num_words":37,"start":211.125,"end":228.1},{"sentences":[{"text":"So, like I said, pretty straightforward.","start":228.24,"end":229.94,"sentiment":"neutral","sentiment_score":0.2615402142206828},{"text":"Main focus is to just review your superannuation, having a look to see if that SMA was going to be a good option for you or if any other options with the investment.","start":230.48,"end":242.095,"sentiment":"neutral","sentiment_score":0.17602993310852486},{"text":"Do you kind of remember that conversation?","start":242.095,"end":243.715,"sentiment":"neutral","sentiment_score":0.038714375612991195},{"text":"Yep.","start":244.655,"end":245.05501,"sentiment":"neutral","sentiment_score":0.24970373511314392},{"text":"Beautiful.","start":245.05501,"end":245.55501,"sentiment":"positive","sentiment_score":0.5688655376434326}],"sentiment":"neutral","sentiment_score":0.1764124787490194,"num_words":48,"start":228.24,"end":245.55501},{"sentences":[{"text":"Otherwise, not making any changes in regards to insurances or anything else.","start":246.335,"end":247.76611,"sentiment":"neutral","sentiment_score":-0.02158628652493159},{"text":"Literally, just your insurances or anything else, literally just your super investments.","start":247.76611,"end":254.44,"sentiment":"neutral","sentiment_score":0.10891048517078161},{"text":"So if you can scroll through for me, you will see as you're scrolling, just a bit of personal information about you, lifestyle assets, liabilities, insurances like we touched on during the under review.","start":254.98,"end":266.755,"sentiment":"neutral","sentiment_score":0.09549267075079329},{"text":"And then page 11, that talks about your risk profile.","start":267.13498,"end":271.155,"sentiment":"neutral","sentiment_score":0.03851670380681753},{"text":"Now during the under review, you came out as a high growth investor, which you are currently invested in, which is tolerance, but also time frame until retirement.","start":273.535,"end":286.97,"sentiment":"neutral","sentiment_score":0.13376655083681857}],"sentiment":"neutral","sentiment_score":0.08776324636225279,"num_words":96,"start":246.335,"end":286.97},{"sentences":[{"text":"So we are not making any changes in regards to that risk allocation.","start":287.50998,"end":291.61,"sentiment":"neutral","sentiment_score":-0.322435602832299},{"text":"I'm literally just looking at changing investment for you.","start":291.90997,"end":295.245,"sentiment":"neutral","sentiment_score":-0.09624522344933616},{"text":"Yep.","start":296.285,"end":296.785,"sentiment":"positive","sentiment_score":0.41186171770095825},{"text":"Perfect.","start":296.925,"end":297.425,"sentiment":"positive","sentiment_score":0.6885877847671509},{"text":"Now what I have actually recommended so if you can scroll down to page 13 for me, this outlines that.","start":298.125,"end":306.125,"sentiment":"neutral","sentiment_score":0.282981826364994}],"sentiment":"neutral","sentiment_score":0.038686731406910854,"num_words":44,"start":287.50998,"end":306.125},{"sentences":[{"text":"So what I have recommended is actually moving through the SMA product.","start":306.125,"end":310.465,"sentiment":"neutral","sentiment_score":0.24002760152022043},{"text":"Now what that actually looks like, I usually find the best way to look at it is if you want to scroll down to page 20 for me.","start":311.78,"end":323.56,"sentiment":"neutral","sentiment_score":0.1417682780218976},{"text":"It kind of summarizes everything.","start":327.915,"end":330.015,"sentiment":"neutral","sentiment_score":0.18949438035488128},{"text":"A lot of what you just scrolled past is just words.","start":330.555,"end":333.375,"sentiment":"neutral","sentiment_score":0.17483002895658667},{"text":"This, I usually find it's a bit easier to kind of look at it on how what it actually looks like.","start":333.595,"end":338.815,"sentiment":"neutral","sentiment_score":0.2188518891731898}],"sentiment":"neutral","sentiment_score":0.18592642721804706,"num_words":77,"start":306.125,"end":338.815},{"sentences":[{"text":"So you can see here your current situation with Hub twenty four.","start":339.27,"end":343.29,"sentiment":"neutral","sentiment_score":0.10941905590395133},{"text":"Now part of the research is I also considered a lot of other super funds for you because you never know.","start":343.59,"end":349.59,"sentiment":"neutral","sentiment_score":0.1139147664819445},{"text":"There's always new features and products that come out, so it is good to assess that there's nothing tying us to Hub twenty four.","start":349.59,"end":356.35498,"sentiment":"neutral","sentiment_score":0.1203029693569988},{"text":"So if there was another super fund better suited for you, we obviously wanna make sure we consider it.","start":356.35498,"end":361.955,"sentiment":"neutral","sentiment_score":0.08610926960643969},{"text":"But at the moment, Hub twenty four is very competitive when it comes to their fees and features and available investment choices.","start":361.955,"end":370.14,"sentiment":"neutral","sentiment_score":0.132854567671364}],"sentiment":"neutral","sentiment_score":0.11378965962069984,"num_words":98,"start":339.27,"end":370.14},{"sentences":[{"text":"So I have recommended that we stay in Hub twenty four.","start":370.52002,"end":373.98,"sentiment":"neutral","sentiment_score":0.2248998541723598},{"text":"Now I use Hub twenty four for my personal super as well, so it is very competitive.","start":374.04,"end":378.62003,"sentiment":"neutral","sentiment_score":0.30714965041945963},{"text":"So recommending staying in Hub 24, but moving into that SMA.","start":379.175,"end":383.995,"sentiment":"neutral","sentiment_score":0.09381780367005955},{"text":"Now what that actually looks like, you can kind of see here that the biggest thing is the investment fees.","start":384.375,"end":391.755,"sentiment":"neutral","sentiment_score":0.16455542519688607},{"text":"It is saving you about $232 a year.","start":392.09,"end":396.03,"sentiment":"positive","sentiment_score":0.34095093980431557}],"sentiment":"neutral","sentiment_score":0.22009185545924884,"num_words":67,"start":370.52002,"end":396.03},{"sentences":[{"text":"So reducing that fees a little bit into slightly cheaper investments, which is good.","start":396.17,"end":400.99002,"sentiment":"neutral","sentiment_score":0.2922767038856234},{"text":"But another good thing is that with the SMA, it is actually available on a slightly different product offering with hub twenty four.","start":401.45,"end":410.80502,"sentiment":"neutral","sentiment_score":0.23365644203579944},{"text":"So hub twenty four, they have three different product offering, and it kind of depends on the the level of investment choices.","start":410.80502,"end":420.08,"sentiment":"neutral","sentiment_score":0.0483380150557919},{"text":"So you have the one that you are on, which is your choice option.","start":421.1,"end":426.0,"sentiment":"neutral","sentiment_score":0.21813501630510604},{"text":"That's the one that kind of gives you the most comprehensive selection on investments, and that is usually where we would tailor investments.","start":426.3,"end":433.68,"sentiment":"positive","sentiment_score":0.3369046838387199}],"sentiment":"neutral","sentiment_score":0.2222094407188706,"num_words":96,"start":396.17,"end":433.68},{"sentences":[{"text":"But the good thing with the SMA, it is available on that kind of second tier product, which means that there is slightly less availability for investments, but it doesn't really matter because the SMA is available, which is fantastic.","start":434.175,"end":449.87003,"sentiment":"positive","sentiment_score":0.3501369204372168},{"text":"So what it means is that you don't have to pay the same level of admin fee because it's like a cheaper product still within hub 24, though.","start":450.25,"end":458.91,"sentiment":"neutral","sentiment_score":0.1949183222438608},{"text":"So that is saving you about a $180 a year, which, again, it all adds up.","start":459.05002,"end":464.43002,"sentiment":"positive","sentiment_score":0.4702289458364248},{"text":"Does that make sense?","start":465.67502,"end":466.815,"sentiment":"neutral","sentiment_score":0.2758822701871395},{"text":"Yep.","start":467.67502,"end":468.17502,"sentiment":"neutral","sentiment_score":0.282123863697052}],"sentiment":"neutral","sentiment_score":0.31879220132747393,"num_words":89,"start":434.175,"end":468.17502},{"sentences":[{"text":"Perfect.","start":468.315,"end":468.815,"sentiment":"positive","sentiment_score":0.632905125617981},{"text":"Otherwise, no changes to the adviser fees or contributions or insurances.","start":469.11502,"end":473.535,"sentiment":"neutral","sentiment_score":0.18947269970720465},{"text":"Another thing I did wanna consider is that often when we do make changes to investments, and so when we are selling investments, there will be capital gains tax sometimes applicable with making a change.","start":474.795,"end":488.24,"sentiment":"neutral","sentiment_score":0.007459286174603871},{"text":"But the good thing is that with the SMA, there are some of your current investments that overlap, which is great.","start":488.86,"end":495.28,"sentiment":"positive","sentiment_score":0.40996812496866497},{"text":"And what that basically means when we did the research is that there is estimated to be no capital gains tax, which is great.","start":495.585,"end":502.325,"sentiment":"neutral","sentiment_score":0.20779079478234053}],"sentiment":"neutral","sentiment_score":0.18015749497420114,"num_words":92,"start":468.315,"end":502.325},{"sentences":[{"text":"Yep.","start":503.585,"end":504.085,"sentiment":"neutral","sentiment_score":0.1096528172492981},{"text":"It can obviously fluctuate on a daily depending on the market price of everything.","start":504.305,"end":509.365,"sentiment":"neutral","sentiment_score":0.07550738299531597},{"text":"But when we put it all together, there was no capital gains tax, which again was was a big thing.","start":509.68997,"end":514.41,"sentiment":"neutral","sentiment_score":0.0810668095946312},{"text":"I wanted to make sure we didn't get for you, which is great.","start":514.41,"end":518.02997,"sentiment":"neutral","sentiment_score":0.17367719629636177},{"text":"Now what it actually looks like in terms of the performance as well is that, typically, when we are using projections and stuff, we like to use a five year rolling average.","start":518.97,"end":531.64496,"sentiment":"neutral","sentiment_score":0.06866129382979125}],"sentiment":"neutral","sentiment_score":0.0905382165685296,"num_words":80,"start":503.585,"end":531.64496},{"sentences":[{"text":"Now we can never obviously guarantee what is going to happen with the investments in the market.","start":532.02496,"end":537.14496,"sentiment":"neutral","sentiment_score":-0.06362919980550513},{"text":"You never know.","start":537.14496,"end":538.20496,"sentiment":"neutral","sentiment_score":-0.02118127668897311},{"text":"But that is why we want to use a five year rolling average because using a five year period and then dividing that makes it a little bit more certain of what has happened in the market, but also the portfolio.","start":538.7,"end":551.52,"sentiment":"neutral","sentiment_score":0.11544765677393937},{"text":"So it gives us a little bit more certainty than if we were to use, let's say, a twelve month period.","start":551.58,"end":557.525,"sentiment":"neutral","sentiment_score":0.19615253167493002},{"text":"Just depending on when we use that twelve month period, sometimes it would have made, like, you won the lottery, whereas other years, not so good.","start":557.98505,"end":566.065,"sentiment":"neutral","sentiment_score":0.10799799486994743}],"sentiment":"neutral","sentiment_score":0.09736356234039974,"num_words":108,"start":532.02496,"end":566.065},{"sentences":[{"text":"So the five years gives us a little bit more certainty.","start":566.065,"end":569.33997,"sentiment":"neutral","sentiment_score":0.20592853697863492},{"text":"Does that make sense, Matthew?","start":569.33997,"end":570.72,"sentiment":"neutral","sentiment_score":0.13460859656333923},{"text":"Yep.","start":571.74,"end":572.14,"sentiment":"neutral","sentiment_score":0.3218926787376404},{"text":"Perfect.","start":572.14,"end":572.64,"sentiment":"positive","sentiment_score":0.5886589884757996},{"text":"But you can see here that even though both portfolios, so your current and the SMA, are in a high growth portfolio, the SMA has outperformed your current portfolio by quite a bit, which is really good.","start":572.94,"end":586.375,"sentiment":"positive","sentiment_score":0.42981193033424586}],"sentiment":"positive","sentiment_score":0.35912454507567665,"num_words":55,"start":566.065,"end":586.375},{"sentences":[{"text":"The biggest thing with the SMA as well is that from the conversation last time, if you remember, is that it gives us that flexibility.","start":586.915,"end":593.975,"sentiment":"positive","sentiment_score":0.34292942464351656},{"text":"So this shows you the five year historical returns, but the biggest thing is that the flexibility it allows us to do in a proactive manner for you moving forward.","start":594.435,"end":604.57996,"sentiment":"positive","sentiment_score":0.38755816320578257},{"text":"So if there is a bit of prevalence in the market like we have seen in the last twelve months, we can very quickly make these changes for you without having to go through this kind of lengthier, SOA process.","start":604.8,"end":617.955,"sentiment":"neutral","sentiment_score":0.22186309117823838},{"text":"We're still making sure, obviously, we always follow that best interest duty and do what's best for you.","start":618.175,"end":623.075,"sentiment":"neutral","sentiment_score":0.28454312433799106},{"text":"But it kind of minimizes that a little bit, which makes it a lot quicker, which is great, especially when the market is always moving.","start":623.21,"end":631.15,"sentiment":"positive","sentiment_score":0.43625144839286806}],"sentiment":"neutral","sentiment_score":0.3268301928064961,"num_words":138,"start":586.915,"end":631.15},{"sentences":[{"text":"You wanna be proactive and making those quick choices.","start":631.21,"end":634.19,"sentiment":"positive","sentiment_score":0.4374118215507931},{"text":"Yep.","start":635.705,"end":636.205,"sentiment":"neutral","sentiment_score":0.1646791249513626},{"text":"Now on the next page, I have then kind of projected things forward for five and ten years to show you the difference.","start":636.42505,"end":644.60504,"sentiment":"neutral","sentiment_score":0.2212797189536302},{"text":"So you can see that even though we're reducing the fees, keeping the same level of risk, and improving those returns, it all compounds and makes a pretty big difference.","start":645.145,"end":655.31,"sentiment":"positive","sentiment_score":0.4116290638844172},{"text":"Yep.","start":656.57,"end":657.07,"sentiment":"neutral","sentiment_score":0.09187520295381546}],"sentiment":"positive","sentiment_score":0.3379932214738801,"num_words":64,"start":631.21,"end":657.07},{"sentences":[{"text":"Now underneath that, I have also just included a little bit more in regards to the returns.","start":657.45,"end":663.15,"sentiment":"neutral","sentiment_score":0.08926565528792493},{"text":"So you can see the twelve month comparison, three, five, and ten years.","start":663.695,"end":668.355,"sentiment":"neutral","sentiment_score":0.1848590328143193},{"text":"And you can see that across all time frames, the SMA has still outperformed your current performance as well.","start":668.895,"end":674.995,"sentiment":"positive","sentiment_score":0.5186412334442139},{"text":"Yeah.","start":675.135,"end":675.63,"sentiment":"neutral","sentiment_score":0.202535480260849},{"text":"Now if you wanna scroll up for me back up to page 19, it shows you the asset allocation.","start":677.55,"end":686.93,"sentiment":"neutral","sentiment_score":0.09592928482513678}],"sentiment":"neutral","sentiment_score":0.22898636078057083,"num_words":69,"start":657.45,"end":686.93},{"sentences":[{"text":"So, basically, this shows you your your risk profile, which we are aiming for around that 90% in growth, 10 in defensive.","start":687.55,"end":696.695,"sentiment":"neutral","sentiment_score":0.18062836880033667},{"text":"You can see your existing portfolio, about eighty seven eighty seven and then twelve thirteen in defensive.","start":697.635,"end":704.29504,"sentiment":"neutral","sentiment_score":0.13439137400949702},{"text":"And then the proposed portfolio, which is about the $92.08.","start":705.24,"end":709.5,"sentiment":"neutral","sentiment_score":0.11556783989071846},{"text":"So both very very much align with the risk profile for you and still very much within that high growth capacity.","start":709.8,"end":716.7,"sentiment":"neutral","sentiment_score":0.3009608771119799},{"text":"Now if you scroll up to page 18 for me, it shows you the investments.","start":718.295,"end":725.275,"sentiment":"neutral","sentiment_score":0.06303754635155201}],"sentiment":"neutral","sentiment_score":0.17270467629765762,"num_words":85,"start":687.55,"end":725.275},{"sentences":[{"text":"So like I said, we are I have recommended that we move to the SMA.","start":725.895,"end":729.915,"sentiment":"neutral","sentiment_score":0.10498498827219009},{"text":"Now we have a lot of different SMA products.","start":730.375,"end":733.29,"sentiment":"neutral","sentiment_score":0.09356820128030247},{"text":"So if you're trying to get it through that high growth portfolio, it will be a a bit of a mix of two, which also gives you good diversification.","start":733.29,"end":740.27,"sentiment":"neutral","sentiment_score":0.204414627932269},{"text":"So 50% will go into, the one that's called Catalyst, and 50% will go into the one, that's called Bloom, who then gives you good diversification with the investments and aligns things as a high growth portfolio.","start":741.21,"end":755.005,"sentiment":"neutral","sentiment_score":0.27881679321463043},{"text":"Now because, obviously, things are always changing, it still gives you the flexibility that if you do go into your Hub twenty four account, you can then click on them.","start":755.625,"end":765.53,"sentiment":"neutral","sentiment_score":0.2066182958583037}],"sentiment":"neutral","sentiment_score":0.20716402558609842,"num_words":120,"start":725.895,"end":765.53},{"sentences":[{"text":"So you can click on the catalyst in the bloom, and it's a drop down of all the investments in there.","start":765.53,"end":769.45,"sentiment":"neutral","sentiment_score":0.13906761613630114},{"text":"So you can still see them.","start":769.45,"end":770.99005,"sentiment":"neutral","sentiment_score":0.0790642723441124},{"text":"Yep.","start":771.37006,"end":771.795,"sentiment":"neutral","sentiment_score":0.11303584277629852},{"text":"Otherwise, we're obviously changing and selling out of the others and moving into the SMA.","start":772.83496,"end":776.935,"sentiment":"neutral","sentiment_score":-0.03605455035964648},{"text":"But, again, you still have the option of looking at the investments in the SMA.","start":776.995,"end":781.815,"sentiment":"neutral","sentiment_score":0.09280198408911626}],"sentiment":"neutral","sentiment_score":0.0751560848559542,"num_words":58,"start":765.53,"end":781.815},{"sentences":[{"text":"They can obviously change with, obviously, market and decisions that we do along with BlackRock, but it's still there for full visibility for you as well.","start":781.875,"end":791.43005,"sentiment":"neutral","sentiment_score":0.18314550444483757},{"text":"Does that make sense?","start":792.29004,"end":793.43005,"sentiment":"neutral","sentiment_score":0.1566016562283039},{"text":"Yep.","start":794.45,"end":794.93005,"sentiment":"positive","sentiment_score":0.4182355999946594},{"text":"Fantastic.","start":794.93005,"end":795.43005,"sentiment":"positive","sentiment_score":0.7528935670852661},{"text":"And now some of the other pages that you did scroll through earlier, it just kind of summarizes everything I've touched on.","start":797.01,"end":803.725,"sentiment":"neutral","sentiment_score":0.3190116733312607}],"sentiment":"neutral","sentiment_score":0.25143658742308617,"num_words":54,"start":781.875,"end":803.725},{"sentences":[{"text":"It puts it into words kind of how that align with your best interest duty, which factors in, obviously, your personal circumstances, your risk tolerance, investment objectives, time frames, capital gains tax, everything of why this was aligning with that best interest.","start":803.945,"end":821.08997,"sentiment":"neutral","sentiment_score":0.21050152022923743},{"text":"It also talks about advantages and some disadvantages.","start":821.70996,"end":824.93,"sentiment":"neutral","sentiment_score":0.05310021573677659},{"text":"So, obviously, I touched on the fee saving.","start":825.63,"end":828.96497,"sentiment":"neutral","sentiment_score":0.08828197605907917},{"text":"Everything will continue to be invested in line with your risk profile.","start":829.745,"end":833.02496,"sentiment":"neutral","sentiment_score":0.12816379001984993},{"text":"But then, also, aside from our investment committee, you've then obviously taking advantage of BlackRock's investment team as well, which is a great resource.","start":833.02496,"end":841.285,"sentiment":"neutral","sentiment_score":0.20766583271324635}],"sentiment":"neutral","sentiment_score":0.17546879626969072,"num_words":94,"start":803.945,"end":841.285},{"sentences":[{"text":"One of the the risks to be mindful of is that there is always a level of risk associated with an investment option, and there's no guarantee.","start":843.57,"end":852.79004,"sentiment":"neutral","sentiment_score":-0.07922925110216494},{"text":"But, again, that's where the SMA comes in very competitive in that we can make those changes quickly for you based on the market.","start":853.17004,"end":860.315,"sentiment":"neutral","sentiment_score":0.10154771897941828},{"text":"Yep.","start":860.615,"end":861.115,"sentiment":"neutral","sentiment_score":0.06847232580184937},{"text":"Any questions?","start":862.77496,"end":863.595,"sentiment":"neutral","sentiment_score":0.07470063865184784},{"text":"That's pretty straightforward.","start":864.855,"end":865.815,"sentiment":"neutral","sentiment_score":0.23367262383302054}],"sentiment":"neutral","sentiment_score":0.021348192111441965,"num_words":57,"start":843.57,"end":865.815},{"sentences":[{"text":"We kind of touched on most of it last time.","start":865.815,"end":867.975,"sentiment":"neutral","sentiment_score":0.09745266288518906},{"text":"It was just making sure that was going to be the best option for you.","start":867.975,"end":872.39496,"sentiment":"neutral","sentiment_score":0.2206607460975647},{"text":"Now just to finish off, if you can scroll down to page 24 for me.","start":874.42004,"end":878.92004,"sentiment":"neutral","sentiment_score":0.043136672427256904},{"text":"Yep.","start":883.22003,"end":883.62,"sentiment":"neutral","sentiment_score":0.05565279722213745},{"text":"Now like I mentioned in under review as well, there is no changes whatsoever in regards to the fee structure.","start":883.62,"end":889.40497,"sentiment":"neutral","sentiment_score":-0.0012757091782987118}],"sentiment":"neutral","sentiment_score":0.08133813967836685,"num_words":61,"start":865.815,"end":889.40497},{"sentences":[{"text":"So with the SMA or no estimate, the fee structure is no different.","start":889.865,"end":894.045,"sentiment":"neutral","sentiment_score":0.05216389536284483},{"text":"It stays exactly the same at 1.65 from SUSVA.","start":894.665,"end":898.52496,"sentiment":"neutral","sentiment_score":0.12160488300853306},{"text":"And, again, it is not a lock in contract.","start":898.665,"end":900.845,"sentiment":"neutral","sentiment_score":-0.029572512954473495},{"text":"So if at any point in time, you are not happy.","start":901.28,"end":903.60004,"sentiment":"neutral","sentiment_score":-0.31803145801479166},{"text":"It is not a lock in contract.","start":903.60004,"end":905.3,"sentiment":"neutral","sentiment_score":-0.2211862461907523}],"sentiment":"neutral","sentiment_score":-0.07224954676111134,"num_words":49,"start":889.865,"end":905.3},{"sentences":[{"text":"And even though we show you the yearly amount, it is just deducted monthly from your account to make it more fair for you as well with, obviously, market fluctuations.","start":905.76,"end":914.9,"sentiment":"neutral","sentiment_score":0.022425883263349534},{"text":"No additional fees or charges if you wanted to go ahead with the recommendation.","start":916.475,"end":920.33496,"sentiment":"neutral","sentiment_score":0.18657683581113815},{"text":"It's all part of that ongoing service.","start":921.27496,"end":923.535,"sentiment":"neutral","sentiment_score":0.32988049728529795},{"text":"Yep.","start":924.39496,"end":924.875,"sentiment":"neutral","sentiment_score":0.31336790323257446},{"text":"Perfect.","start":924.875,"end":925.375,"sentiment":"positive","sentiment_score":0.7530719041824341}],"sentiment":"neutral","sentiment_score":0.12566897146544367,"num_words":53,"start":905.76,"end":925.375},{"sentences":[{"text":"And that was basically everything.","start":925.915,"end":927.51495,"sentiment":"positive","sentiment_score":0.6452006816864013},{"text":"So pretty straightforward.","start":927.51495,"end":928.735,"sentiment":"positive","sentiment_score":0.6804720163345337},{"text":"Basically, what I have recommended is staying in Hub 24, changing to that slightly cheaper menu option, and then investing in the SMA aligning with your high growth risk profile.","start":930.01,"end":941.15,"sentiment":"neutral","sentiment_score":0.23256831566492717},{"text":"Perfect.","start":942.505,"end":943.005,"sentiment":"positive","sentiment_score":0.4953052401542664},{"text":"Do you have any questions, Matthew?","start":943.465,"end":945.22504,"sentiment":"neutral","sentiment_score":0.20229036112626395}],"sentiment":"neutral","sentiment_score":0.31007814076211715,"num_words":45,"start":925.915,"end":945.22504},{"sentences":[{"text":"What are your thoughts on That's all sounds good.","start":945.22504,"end":949.545,"sentiment":"neutral","sentiment_score":0.27932538961370784},{"text":"Perfect.","start":949.545,"end":950.045,"sentiment":"positive","sentiment_score":0.5965913534164429},{"text":"So, essentially, from here, if you if you wanna take some time to have a read over it, you're more than welcome to.","start":950.66504,"end":957.16504,"sentiment":"neutral","sentiment_score":0.26241545120011206},{"text":"But if you are, you know, happy to go ahead with the recommendation in order to move forward, it would then be while you are in the document, it will ask you to add a signature on the statement of advice.","start":957.76,"end":970.42,"sentiment":"neutral","sentiment_score":0.23917970224851515},{"text":"And I think it asks you for a date as well.","start":971.925,"end":974.325,"sentiment":"neutral","sentiment_score":0.06432901932434602}],"sentiment":"neutral","sentiment_score":0.23129484990940374,"num_words":85,"start":945.22504,"end":974.325},{"sentences":[{"text":"Often, that does happen automatically.","start":974.325,"end":976.265,"sentiment":"neutral","sentiment_score":0.1008120596408844},{"text":"And then it will say yep.","start":978.485,"end":980.90497,"sentiment":"neutral","sentiment_score":0.05649038342138132},{"text":"Yep.","start":991.46,"end":991.96,"sentiment":"neutral","sentiment_score":0.0711771696805954},{"text":"Probably because you have signed using the same software before, so it recognizes your login.","start":992.02,"end":996.52,"sentiment":"neutral","sentiment_score":0.046644864107171696},{"text":"Second of yeah.","start":1004.895,"end":1006.655,"sentiment":"neutral","sentiment_score":0.005678730085492134}],"sentiment":"neutral","sentiment_score":0.054362964009245236,"num_words":30,"start":974.325,"end":1006.655},{"sentences":[{"text":"Which is crazy that we're already in July.","start":1006.655,"end":1008.675,"sentiment":"neutral","sentiment_score":-0.057840798515826464},{"text":"Crazy.","start":1009.615,"end":1010.115,"sentiment":"neutral","sentiment_score":-0.05788224935531616},{"text":"Well, the day's gone.","start":1010.175,"end":1011.715,"sentiment":"neutral","sentiment_score":-0.05173590872436762},{"text":"It is it allows you to type if you wanted to write like, it allows you to type a variation.","start":1020.64996,"end":1027.125,"sentiment":"neutral","sentiment_score":0.050516444630920886},{"text":"So if it was that you wanted to go ahead with something and not, you can if it if it forces you to type, you can just put NA or a full stop, and it should allow you to press next or validate, or sometimes it allows you to just press next and validate.","start":1027.1849,"end":1040.725,"sentiment":"neutral","sentiment_score":0.056264450739103335}],"sentiment":"neutral","sentiment_score":0.038173068507478154,"num_words":87,"start":1006.655,"end":1040.725},{"sentences":[{"text":"But it's just there if you wanted to make a comment.","start":1041.37,"end":1043.7899,"sentiment":"neutral","sentiment_score":0.0030084607953375034},{"text":"No.","start":1054.825,"end":1055.325,"sentiment":"neutral","sentiment_score":-0.10849399119615556},{"text":"Mhmm.","start":1067.96,"end":1068.46,"sentiment":"neutral","sentiment_score":0.024840574711561203},{"text":"Mhmm.","start":1072.68,"end":1073.08,"sentiment":"neutral","sentiment_score":0.03489161282777786},{"text":"Yes.","start":1073.08,"end":1073.58,"sentiment":"neutral","sentiment_score":0.06454002112150192}],"sentiment":"neutral","sentiment_score":0.0032580857475598642,"num_words":15,"start":1041.37,"end":1073.58},{"sentences":[{"text":"That is the the form to then change the product from that choice to core.","start":1073.64,"end":1078.7,"sentiment":"neutral","sentiment_score":0.06736225709319114},{"text":"There's already a pre filled to make it nice and easy for you.","start":1078.725,"end":1081.785,"sentiment":"neutral","sentiment_score":0.22715388123805708},{"text":"Yep.","start":1082.245,"end":1082.745,"sentiment":"neutral","sentiment_score":0.05767464265227318},{"text":"Yep.","start":1117.17,"end":1117.67,"sentiment":"neutral","sentiment_score":0.0827288031578064},{"text":"And part of the document as well, it won't get you to add a signature on them.","start":1118.21,"end":1122.47,"sentiment":"neutral","sentiment_score":0.0697109469157808}],"sentiment":"neutral","sentiment_score":0.11253029480576515,"num_words":47,"start":1073.64,"end":1122.47},{"sentences":[{"text":"But if you wanted to go back and have a look later, it's all saved in your account.","start":1122.85,"end":1127.11,"sentiment":"neutral","sentiment_score":0.07693507356776132},{"text":"But it's also all the product disclosure statement.","start":1127.715,"end":1130.695,"sentiment":"neutral","sentiment_score":0.05018199421465397},{"text":"So, basically, all the everything that you need to know about hub twenty four, and there's a lot of information about the SMA as well.","start":1130.755,"end":1137.795,"sentiment":"neutral","sentiment_score":0.054092457443475725},{"text":"They're they're quite long and lengthy.","start":1137.795,"end":1139.495,"sentiment":"neutral","sentiment_score":-0.03412393108010292},{"text":"But everything is there for you if it is that you ever wanted to go back and have a look at it.","start":1140.12,"end":1145.42,"sentiment":"neutral","sentiment_score":0.1209926615384492}],"sentiment":"neutral","sentiment_score":0.07083156558720372,"num_words":79,"start":1122.85,"end":1145.42},{"sentences":[{"text":"If for some reason you can't access it, just let me know because we always have a copy on file for everything, and I'm more than happy to email that through to you as well.","start":1145.48,"end":1152.315,"sentiment":"neutral","sentiment_score":0.21975131769265446},{"text":"Yep.","start":1153.195,"end":1153.595,"sentiment":"neutral","sentiment_score":0.13907426595687866},{"text":"Fantastic.","start":1153.595,"end":1154.095,"sentiment":"positive","sentiment_score":0.6661242842674255},{"text":"Yeah.","start":1155.6749,"end":1155.995,"sentiment":"positive","sentiment_score":0.4515300691127777},{"text":"I can see that that just came through on my end, Matthew, which is great.","start":1155.995,"end":1159.355,"sentiment":"positive","sentiment_score":0.5883352080980937}],"sentiment":"positive","sentiment_score":0.3353406200009697,"num_words":53,"start":1145.48,"end":1159.355},{"sentences":[{"text":"So I will let the team know that we'll go ahead and make this switch for you, and you should then be able to see that in your hub twenty four account and all those investments as well, which is great.","start":1159.355,"end":1170.23,"sentiment":"positive","sentiment_score":0.6051220872053286},{"text":"If there is anything else, though, that you need at any point in time, it doesn't have to be under review time, just send me an email or give us a call, and we can always book you in for a catch up whenever you want to as well.","start":1171.0901,"end":1182.075,"sentiment":"neutral","sentiment_score":0.22272395570667422},{"text":"Yep.","start":1183.9149,"end":1183.995,"sentiment":"neutral","sentiment_score":0.30639010667800903},{"text":"Beautiful.","start":1183.995,"end":1184.495,"sentiment":"neutral","sentiment_score":0.21406979858875275},{"text":"Do you have any questions for me before I let you go and enjoy the rest of your evening?","start":1184.715,"end":1188.335,"sentiment":"neutral","sentiment_score":0.14392987383823647}],"sentiment":"positive","sentiment_score":0.3511586208399889,"num_words":111,"start":1159.355,"end":1188.335},{"sentences":[{"text":"No?","start":1189.355,"end":1189.855,"sentiment":"neutral","sentiment_score":-0.07529642432928085},{"text":"Yep.","start":1191.115,"end":1191.595,"sentiment":"neutral","sentiment_score":0.2569064497947693},{"text":"Beautiful.","start":1191.595,"end":1192.075,"sentiment":"positive","sentiment_score":0.7430530786514282},{"text":"Well, thank you so much for your time this afternoon, Matthew, and I hope you enjoy the rest of your night.","start":1192.075,"end":1196.255,"sentiment":"positive","sentiment_score":0.7659090189706712},{"text":"Mhmm.","start":1197.9069,"end":1198.1469,"sentiment":"neutral","sentiment_score":0.1589716225862503}],"sentiment":"positive","sentiment_score":0.6867089650034904,"num_words":25,"start":1189.355,"end":1198.1469},{"sentences":[{"text":"Mhmm.","start":1198.1469,"end":1198.5469,"sentiment":"neutral","sentiment_score":0.08560280501842499},{"text":"Thank you.","start":1198.5469,"end":1198.9469,"sentiment":"positive","sentiment_score":0.5042082667350769},{"text":"We'll speak soon.","start":1198.9469,"end":1199.9269,"sentiment":"neutral","sentiment_score":0.3012772798538208},{"text":"Bye.","start":1200.5469,"end":1201.0469,"sentiment":"neutral","sentiment_score":0.14114002883434296}],"sentiment":"neutral","sentiment_score":0.30557017241205486,"num_words":7,"start":1198.1469,"end":1201.0469}]}}]},{"alternatives":[{"transcript":"Hello? Hello? Yes. Speaking. I'm good. How are you? Yep. Yeah. That's fine. Yeah. That's fine. Yeah. It's Matthew Troy Halliday, thirteenth of the second nineteen eighty six, and forty 4 Balmoral Rise, Wilton, New South Wales 2571. Yes. Yeah. Not too bad. Yes and no. Yep. I do. Is it alright if I have it on the iPad? Yeah. Yep. Yep. Yep. I've got the email here. Do I just click on the sign document? Is that right? Yeah. Alright. Yep. Mhmm. Mhmm. Yep. Yep. Yep. Mhmm. Yep. Yep. Not really. No. Yep. Mhmm. Yep. Yep. Yep. Uh-huh. Yep. Mhmm. Yep. Yep. Yeah. Yep. Yep. Yep. Yep. Mhmm. Yep. Mhmm. Yep. Mhmm. Yep. Yep. Mhmm. Yep. Yep. Yep. Yep. Mhmm. Yep. Yep. Yep. Yep. Mhmm. Yep. Yep. Yeah. Mhmm. Yep. Yep. Yep. Mhmm. Mhmm. Yep. Mhmm. Yep. Yep. Yep. Mhmm. Yep. Yep. Yeah. That's yep. Mhmm. Mhmm. Yep. Okay. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Mhmm. Yep. Yep. Yep. Yep. Mhmm. Yep. Yep. Yep. Yep. Mhmm. Yep. Yep. Mhmm. Yep. Yep. Mhmm. Yep. Mhmm. Yeah. Mhmm. Yep. Yep. App performance. Yeah. Yep. Yep. Yep. Mhmm. Yeah. Yeah. Mhmm. Yep. Mhmm. Okay. Yeah. Yep. Yeah. Yep. Yep. Yep. Yep. Mhmm. Yeah. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. 24. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. No. No. It all sounds pretty good. Yep. Yep. Mhmm. Yep. So it's so it says the signature. There you go. Just already comes up with my name on it. I'll just use that. Yeah. I probably have. Yeah. Yeah. The date is the I don't know. Automatically does that one too. Don't tell me about it. That's what does it say? It says, like, multiline. I don't know what that is. Oh, okay. Yeah. Exactly. Next document. Yep. Did that work? Next documents. What's this? It says now. It's so this is clicking through, like, all the next documents. It's got hub hub 24 menu switch form. Yep. Yep. Yep. Call menu. Yep. Yep. Okay. This one didn't seem like seven. Next. Validate and send. Yep. Mhmm. Yep. Yep. Yep. No worries. That should all be done. Yep. Yep. No worries at all. No. Everything sounds pretty straightforward. No worries. You have a lovely evening. Alright. Bye 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Hello? Yes. Speaking. I'm good.\n\nHow are you? Yep. Yeah. That's fine. Yeah.\n\nThat's fine. Yeah. It's Matthew Troy Halliday, thirteenth of the second nineteen eighty six, and forty 4 Balmoral Rise, Wilton, New South Wales 2571. Yes. Yeah.\n\nNot too bad. Yes and no. Yep. I do. Is it alright if I have it on the iPad?\n\nYeah. Yep. Yep. Yep. I've got the email here.\n\nDo I just click on the sign document? Is that right? Yeah. Alright. Yep.\n\nMhmm. Mhmm. Yep. Yep. Yep.\n\nMhmm. Yep. Yep. Not really. No.\n\nYep. Mhmm. Yep. Yep. Yep.\n\nUh-huh. Yep. Mhmm. Yep. Yep.\n\nYeah. Yep. Yep. Yep. Yep.\n\nMhmm. Yep. Mhmm. Yep. Mhmm.\n\nYep. Yep. Mhmm. Yep. Yep.\n\nYep. Yep. Mhmm. Yep. Yep.\n\nYep. Yep. Mhmm. Yep. Yep.\n\nYeah. Mhmm. Yep. Yep. Yep.\n\nMhmm. Mhmm. Yep. Mhmm. Yep.\n\nYep. Yep. Mhmm. Yep. Yep.\n\nYeah. That's yep. Mhmm. Mhmm. Yep.\n\nOkay. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Mhmm. Yep.\n\nYep. Yep. Yep. Mhmm. Yep.\n\nYep. Yep. Yep. Mhmm. Yep.\n\nYep. Mhmm. Yep. Yep. Mhmm.\n\nYep. Mhmm. Yeah. Mhmm. Yep.\n\nYep. App performance. Yeah. Yep. Yep.\n\nYep. Mhmm. Yeah. Yeah. Mhmm.\n\nYep. Mhmm. Okay. Yeah. Yep.\n\nYeah. Yep. Yep. Yep. Yep.\n\nMhmm. Yeah. Yep. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\n24. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. No. No. It all sounds pretty good.\n\nYep. Yep. Mhmm. Yep. So it's so it says the signature.\n\nThere you go. Just already comes up with my name on it. I'll just use that. Yeah. I probably have.\n\nYeah. Yeah. The date is the I don't know. Automatically does that one too. Don't tell me about it.\n\nThat's what does it say? It says, like, multiline. I don't know what that is. Oh, okay. Yeah.\n\nExactly. Next document. Yep. Did that work? Next documents.\n\nWhat's this? It says now. It's so this is clicking through, like, all the next documents. It's got hub hub 24 menu switch form. Yep.\n\nYep. Yep. Call menu. Yep. Yep.\n\nOkay. This one didn't seem like seven. Next. Validate and send. Yep.\n\nMhmm. Yep. Yep. Yep. No worries.\n\nThat should all be done. Yep. Yep. No worries at all. No.\n\nEverything sounds pretty straightforward. No worries. You have a lovely evening. Alright. 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all sounds pretty good.","start":946.655,"end":948.195,"sentiment":"positive","sentiment_score":0.4610541582107544}],"sentiment":"neutral","sentiment_score":0.29714427039855057,"num_words":9,"start":941.055,"end":948.195},{"sentences":[{"text":"Yep.","start":962.71,"end":963.21,"sentiment":"positive","sentiment_score":0.3716079890727997},{"text":"Yep.","start":963.91003,"end":964.41003,"sentiment":"neutral","sentiment_score":0.14954045414924622},{"text":"Mhmm.","start":971.47504,"end":971.97504,"sentiment":"neutral","sentiment_score":0.07119068503379822},{"text":"Yep.","start":977.075,"end":977.575,"sentiment":"neutral","sentiment_score":0.06639894098043442},{"text":"So it's so it says the signature.","start":978.86,"end":984.95996,"sentiment":"neutral","sentiment_score":0.05755968817642757}],"sentiment":"neutral","sentiment_score":0.09651417149738832,"num_words":11,"start":962.71,"end":984.95996},{"sentences":[{"text":"There you go.","start":986.77997,"end":987.42,"sentiment":"neutral","sentiment_score":0.09273123741149902},{"text":"Just already comes up with my name on it.","start":987.42,"end":990.06,"sentiment":"neutral","sentiment_score":0.09511285440789329},{"text":"I'll just use that.","start":990.06,"end":991.2,"sentiment":"neutral","sentiment_score":0.09928515180945396},{"text":"Yeah.","start":994.825,"end":995.065,"sentiment":"neutral","sentiment_score":0.04165010154247284},{"text":"I probably have.","start":995.065,"end":996.025,"sentiment":"neutral","sentiment_score":0.020390804236133892}],"sentiment":"neutral","sentiment_score":0.08170862616971135,"num_words":20,"start":986.77997,"end":996.025},{"sentences":[{"text":"Yeah.","start":996.025,"end":996.525,"sentiment":"neutral","sentiment_score":0.019263701513409615},{"text":"Yeah.","start":997.145,"end":997.645,"sentiment":"neutral","sentiment_score":0.016881383955478668},{"text":"The date is the I don't know.","start":999.78503,"end":1004.265,"sentiment":"neutral","sentiment_score":0.007434314682281443},{"text":"Automatically does that one too.","start":1004.265,"end":1005.9,"sentiment":"neutral","sentiment_score":0.020967749319970606},{"text":"Don't tell me about it.","start":1009.34,"end":1011.34,"sentiment":"neutral","sentiment_score":-0.04447974041104317}],"sentiment":"neutral","sentiment_score":-0.0015460351163423375,"num_words":19,"start":996.025,"end":1011.34},{"sentences":[{"text":"That's what does it say?","start":1011.34,"end":1016.62,"sentiment":"neutral","sentiment_score":-0.020026594027876855},{"text":"It says, like, multiline.","start":1016.62,"end":1018.0,"sentiment":"neutral","sentiment_score":-0.009108200902119279},{"text":"I don't know what that is.","start":1018.22003,"end":1019.295,"sentiment":"neutral","sentiment_score":-0.004357023164629936},{"text":"Oh, okay.","start":1028.575,"end":1029.315,"sentiment":"neutral","sentiment_score":0.036800991743803024},{"text":"Yeah.","start":1035.69,"end":1035.85,"sentiment":"neutral","sentiment_score":0.08499590307474136}],"sentiment":"neutral","sentiment_score":-0.0002283347874051995,"num_words":18,"start":1011.34,"end":1035.85},{"sentences":[{"text":"Exactly.","start":1035.85,"end":1036.35,"sentiment":"neutral","sentiment_score":0.12694665789604187},{"text":"Next document.","start":1044.73,"end":1045.63,"sentiment":"neutral","sentiment_score":-0.001295009977184236},{"text":"Yep.","start":1050.185,"end":1050.685,"sentiment":"neutral","sentiment_score":-0.00003457752609392628},{"text":"Did that work?","start":1054.345,"end":1055.325,"sentiment":"neutral","sentiment_score":-0.03879594492415587},{"text":"Next documents.","start":1055.465,"end":1056.365,"sentiment":"neutral","sentiment_score":-0.018555344082415104}],"sentiment":"neutral","sentiment_score":-0.0032418291690798164,"num_words":9,"start":1035.85,"end":1056.365},{"sentences":[{"text":"What's this?","start":1064.4,"end":1064.96,"sentiment":"neutral","sentiment_score":-0.0029680561274290085},{"text":"It says now.","start":1064.96,"end":1065.6,"sentiment":"neutral","sentiment_score":0.00618282953898112},{"text":"It's so this is clicking through, like, all the next documents.","start":1065.6,"end":1068.26,"sentiment":"neutral","sentiment_score":0.016993201591751793},{"text":"It's got hub hub 24 menu switch 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menu.","start":1080.6349,"end":1081.455,"sentiment":"neutral","sentiment_score":0.2435676008462906},{"text":"Yep.","start":1081.5149,"end":1082.0149,"sentiment":"neutral","sentiment_score":0.06124253198504448},{"text":"Yep.","start":1082.075,"end":1082.575,"sentiment":"neutral","sentiment_score":0.05565537139773369}],"sentiment":"neutral","sentiment_score":0.15247052535414696,"num_words":6,"start":1078.5549,"end":1082.575},{"sentences":[{"text":"Okay.","start":1095.61,"end":1095.9299,"sentiment":"neutral","sentiment_score":0.04977840185165405},{"text":"This one didn't seem like seven.","start":1095.9299,"end":1100.19,"sentiment":"neutral","sentiment_score":0.029252366938938696},{"text":"Next.","start":1112.435,"end":1112.935,"sentiment":"neutral","sentiment_score":0.028149787336587902},{"text":"Validate and send.","start":1114.435,"end":1115.9751,"sentiment":"neutral","sentiment_score":0.051511142402887344},{"text":"Yep.","start":1127.59,"end":1128.09,"sentiment":"neutral","sentiment_score":0.0742664784193039}],"sentiment":"neutral","sentiment_score":0.04018685803748667,"num_words":12,"start":1095.61,"end":1128.09},{"sentences":[{"text":"Mhmm.","start":1131.125,"end":1131.625,"sentiment":"neutral","sentiment_score":0.05315025523304939},{"text":"Yep.","start":1140.005,"end":1140.505,"sentiment":"neutral","sentiment_score":0.05444645881652832},{"text":"Yep.","start":1150.7001,"end":1151.2001,"sentiment":"positive","sentiment_score":0.47631365060806274},{"text":"Yep.","start":1151.98,"end":1152.48,"sentiment":"neutral","sentiment_score":0.11947803199291228},{"text":"No 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straightforward.","start":1188.895,"end":1190.6749,"sentiment":"neutral","sentiment_score":0.08871109876781702},{"text":"No worries.","start":1196.2468,"end":1196.8069,"sentiment":"positive","sentiment_score":0.48463626205921173},{"text":"You have a lovely evening.","start":1196.8069,"end":1197.8668,"sentiment":"positive","sentiment_score":0.7149796485900879},{"text":"Alright.","start":1200.0868,"end":1200.4069,"sentiment":"neutral","sentiment_score":0.1736670583486557},{"text":"Bye bye.","start":1200.4069,"end":1201.1469,"sentiment":"neutral","sentiment_score":0.008744973689317696}],"sentiment":"positive","sentiment_score":0.3635837262762444,"num_words":14,"start":1188.895,"end":1201.1469}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Hello?\n\nChannel 0: Good afternoon. Is this Matthew?\n\nChannel 1: Yes. Speaking.\n\nChannel 0: This is Veronica from McHugh Financial. How are you?\n\nChannel 1: I'm good. How are you?\n\nChannel 0: Good. Thanks. I had you booked in to go over the research I did on your super investments. Is now still\n\nChannel 1: Yep.\n\nChannel 0: a good time for you?\n\nChannel 1: Yeah. That'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.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. Perfect. And just for security purposes as well, just so that I can confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Yeah. It's Matthew Troy Halliday, thirteenth of the second nineteen eighty six, and forty\n\nChannel 0: Yep.\n\nChannel 1: 4 Balmoral Rise, Wilton, New South Wales 2571.\n\nChannel 0: Yep. Perfect. And\n\nChannel 1: Yes.\n\nChannel 0: how's your day been so far? I've been busy.\n\nChannel 1: Yeah. Not too bad.\n\nChannel 0: Yeah.\n\nChannel 1: Yes and no.\n\nChannel 0: Well, I will try not to keep you for too long.\n\nChannel 1: Yep.\n\nChannel 0: Now do you have access to your emails at the moment, Matthew?\n\nChannel 1: I do. Is it alright if I have it on the iPad?\n\nChannel 0: Yeah. Yeah. Yeah. It\n\nChannel 1: Yeah.\n\nChannel 0: whatever whatever works for you. I have just sent you an email with the recommendation.\n\nChannel 1: Yep.\n\nChannel 0: And, yeah, it just makes it a little bit easier if you can get that up at the same time.\n\nChannel 1: Yep.\n\nChannel 0: So just let me know if that came through okay to you.\n\nChannel 1: Yep. I've got the email here.\n\nChannel 0: Yep.\n\nChannel 1: Do I just click on the sign document? Is that right?\n\nChannel 0: Yes. Yes, please. Because it will allow you to open up and view everything\n\nChannel 1: Yeah.\n\nChannel 0: before it prompts you to sign anything just to make sure, obviously, you are happy.\n\nChannel 1: Alright. Yep.\n\nChannel 0: Yep. So can you see the cover page where it says statement of advice?\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Perfect. Now it is pretty straightforward today. You will see it's about 28 pages. A lot of it is just for compliance purposes.\n\nJust\n\nChannel 1: Mhmm.\n\nChannel 0: so that you fully understand everything, I'll just kind of touch on the main points because it is pretty straightforward.\n\nChannel 1: Yep.\n\nChannel 0: Now it has been tailored specifically for you, and every time we do make a recommendation on a financial product and make tailored financial advice, we have\n\nChannel 1: Yep.\n\nChannel 0: to put everything in the statement of advice. So, again,\n\nChannel 1: Yep.\n\nChannel 0: a lot of waste of compliance, but just so that you fully understand.\n\nChannel 1: Mhmm.\n\nChannel 0: Now you will also see that this has been prepared by myself. You will see my\n\nChannel 1: Yep.\n\nChannel 0: authorized representative number listed, and I am licensed under Oakview Financial.\n\nChannel 1: Yep.\n\nChannel 0: Now on the second page, it talks a little bit about the best interest duty. Do you remember ever hearing about that before?\n\nChannel 1: Not really. No.\n\nChannel 0: No. Basically, what it means is that we have to act in your best interest at all time, and\n\nChannel 1: Yep.\n\nChannel 0: the advice itself has to put you in a better position as a result\n\nChannel 1: Mhmm.\n\nChannel 0: of the advice. Otherwise,\n\nChannel 1: Yep.\n\nChannel 0: I can't actually make the recommendation. Does that\n\nChannel 1: Yep.\n\nChannel 0: make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now as you scroll through for me, you will see on page three, it talks about scope of advice.\n\nChannel 1: Uh-huh.\n\nChannel 0: Basically, what this means is the areas we are looking at today. So, like I said, pretty straightforward. Main focus is to just review your superannuation,\n\nChannel 1: Yep.\n\nChannel 0: having a look to see if that SMA was going to be a good option for you\n\nChannel 1: Mhmm.\n\nChannel 0: or\n\nChannel 1: Yep.\n\nChannel 0: if any other options with the investment. Do you kind of remember\n\nChannel 1: Yep.\n\nChannel 0: that conversation?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Beautiful. Otherwise, not making any changes in regards to insurances or anything else. Literally, just your insurances or anything else, literally just your\n\nChannel 1: Yep. Yep.\n\nChannel 0: super investments. So\n\nChannel 1: Yep.\n\nChannel 0: if you can scroll through for me, you will see as you're scrolling, just a bit of personal information about you, lifestyle\n\nChannel 1: Mhmm.\n\nChannel 0: assets, liabilities,\n\nChannel 1: Yep.\n\nChannel 0: insurances like we touched on during the under review. And then page 11, that talks about your risk profile.\n\nChannel 1: Mhmm.\n\nChannel 0: Now during the under review, you came out as a high growth investor, which you are currently invested in, which is tolerance, but also time frame until retirement. So\n\nChannel 1: Yep.\n\nChannel 0: we are not making any changes in regards to that risk allocation. I'm literally just looking at changing investment for you.\n\nChannel 1: Mhmm. Yep. Yep.\n\nChannel 0: Yep. Perfect. Now what I have actually recommended so if you can scroll down to page 13 for me,\n\nChannel 1: Mhmm.\n\nChannel 0: this outlines that. So what I have recommended is actually moving through the SMA product.\n\nChannel 1: Yep.\n\nChannel 0: Now what that actually looks like, I usually find the best way to look at it is if you want to scroll down to page 20 for me.\n\nChannel 1: Yep.\n\nChannel 0: It kind of summarizes everything.\n\nChannel 1: Yep.\n\nChannel 0: A lot of what you just scrolled past is just words. This, I usually find it's a bit easier to kind of look at it on how what it actually looks like.\n\nChannel 1: Yep.\n\nChannel 0: So you can see here your current situation with Hub twenty four. Now part of the research is I also considered a lot of other super funds for you because you never\n\nChannel 1: Mhmm.\n\nChannel 0: know. There's always new features and products that come out,\n\nChannel 1: Yep.\n\nChannel 0: so it is good to assess that there's nothing tying us to Hub twenty four. So if there was another super fund better suited for you, we obviously wanna make sure we consider it. But\n\nChannel 1: Yep. Yep.\n\nChannel 0: at the moment, Hub twenty four is very competitive\n\nChannel 1: Yep.\n\nChannel 0: when it comes to their fees and features and available\n\nChannel 1: Mhmm.\n\nChannel 0: investment choices. So\n\nChannel 1: Yep.\n\nChannel 0: I have recommended that we stay in Hub twenty four. Now I use Hub twenty four for my personal super as well, so it\n\nChannel 1: Yep.\n\nChannel 0: is very\n\nChannel 1: Yeah.\n\nChannel 0: competitive. So recommending staying in Hub 24, but\n\nChannel 1: Mhmm.\n\nChannel 0: moving into that SMA. Now\n\nChannel 1: Yep.\n\nChannel 0: what that actually looks like, you can kind of see here that the biggest thing is the investment fees. It is saving you about $232 a year. So reducing\n\nChannel 1: Yep.\n\nChannel 0: that fees a little bit into slightly cheaper investments, which is good. But\n\nChannel 1: Yep.\n\nChannel 0: another good thing is that with the SMA, it is actually available on a slightly different product offering with hub twenty four. So hub twenty four, they have three different product offering, and it kind of depends on the the level of investment choices.\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: So you have the one that you are on, which is your choice option. That's the one that kind of gives you the most comprehensive selection on investments, and that\n\nChannel 1: Yep.\n\nChannel 0: is usually where we would tailor investments. But the good\n\nChannel 1: Mhmm.\n\nChannel 0: thing with the SMA, it is available on that kind of second tier product,\n\nChannel 1: Yep. Yep.\n\nChannel 0: which means that there is slightly less availability for investments, but it doesn't really matter because the SMA is available, which is fantastic.\n\nChannel 1: Yep.\n\nChannel 0: So what it means is that you don't have to pay the same level of admin fee because it's like a cheaper\n\nChannel 1: Mhmm.\n\nChannel 0: product\n\nChannel 1: Yep.\n\nChannel 0: still within hub 24, though. So\n\nChannel 1: Yep.\n\nChannel 0: that is saving you about a $180 a year, which, again, it all adds up. Does that make sense?\n\nChannel 1: Yeah. That's\n\nChannel 0: Yep.\n\nChannel 1: yep.\n\nChannel 0: Perfect. Otherwise, no changes to the adviser fees or contributions or insurances.\n\nChannel 1: Mhmm.\n\nChannel 0: Another thing I did wanna consider is that often when we do make changes to investments, and so when we are selling investments, there will be capital gains tax sometimes applicable with making a change.\n\nChannel 1: Mhmm.\n\nChannel 0: But the good thing is that with the SMA, there are some of your current investments that overlap, which is great. And what\n\nChannel 1: Yep.\n\nChannel 0: that basically means when we did the research is that there is estimated to be no capital gains tax, which is great.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yep. It can obviously fluctuate on a daily depending on the market price of everything.\n\nChannel 1: Yep.\n\nChannel 0: But when we\n\nChannel 1: Yep.\n\nChannel 0: put it all together, there was no capital gains tax, which again was was a big thing. I wanted to make sure we didn't get for you, which is great.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Now what it actually looks like in terms of the performance as well is that, typically, when we are using projections and stuff, we like to use a five year rolling average. Now we can never obviously guarantee what is going to happen with the investments in the market. You never know.\n\nChannel 1: Yep. Yep.\n\nChannel 0: But that is why we want to use a five year rolling average because using\n\nChannel 1: Mhmm.\n\nChannel 0: a five year period and then dividing that makes it a little bit more certain of what has happened in the market, but also the portfolio. So it gives us a little\n\nChannel 1: Yep.\n\nChannel 0: bit more certainty than if we were to use, let's say, a twelve month period. Just depending on when we use\n\nChannel 1: Yep.\n\nChannel 0: that twelve month period, sometimes it would have made, like, you won the lottery, whereas other\n\nChannel 1: Yep.\n\nChannel 0: years, not so good. So the five\n\nChannel 1: Yep.\n\nChannel 0: years gives us a little bit more certainty. Does that make sense, Matthew?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Yep. Perfect. But you can see here that even though both portfolios, so your current and the SMA, are in a high growth portfolio, the SMA has outperformed your current portfolio by quite a bit, which\n\nChannel 1: Yep.\n\nChannel 0: is really good.\n\nChannel 1: Yep.\n\nChannel 0: The biggest thing with the SMA as well is that from the conversation last time, if you remember, is that it gives us that flexibility. So this shows you\n\nChannel 1: Yep.\n\nChannel 0: the five year historical returns, but the\n\nChannel 1: Mhmm.\n\nChannel 0: biggest thing is that the flexibility it allows us to do in a proactive manner for you moving forward. So\n\nChannel 1: Yep.\n\nChannel 0: if there is a bit of prevalence in the market like we have seen in the last twelve months, we can very quickly make these changes for you without\n\nChannel 1: Yep.\n\nChannel 0: having to go through this kind of lengthier, SOA process. We're still\n\nChannel 1: Mhmm.\n\nChannel 0: making sure, obviously, we always follow that best interest duty and do what's best for you. But it kind of minimizes that\n\nChannel 1: Yep.\n\nChannel 0: a little bit, which makes it a lot quicker, which is great, especially when the market is always moving. You wanna be proactive\n\nChannel 1: Yep.\n\nChannel 0: and making those quick choices.\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Now on the next page, I have then kind of projected things forward for five and ten years to show\n\nChannel 1: Yep.\n\nChannel 0: you the difference. So\n\nChannel 1: Mhmm.\n\nChannel 0: you can see that even though we're reducing the fees, keeping the same level of risk, and improving those returns, it all compounds and makes a pretty big difference.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Now underneath that, I have also just included a little bit more in regards to the returns. So you can\n\nChannel 1: Mhmm.\n\nChannel 0: see the twelve month comparison, three, five, and ten years.\n\nChannel 1: Yep.\n\nChannel 0: And\n\nChannel 1: Yep.\n\nChannel 0: you can see that across all time frames, the SMA has still outperformed your current\n\nChannel 1: App\n\nChannel 0: performance\n\nChannel 1: performance.\n\nChannel 0: as\n\nChannel 1: Yeah.\n\nChannel 0: well.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Now if you wanna scroll up for me back up to page 19,\n\nChannel 1: Yep.\n\nChannel 0: it shows you the asset allocation. So, basically, this shows you your your risk profile, which we are aiming for around that 90% in growth, 10 in defensive. You can see your existing portfolio, about eighty seven eighty seven and then twelve thirteen in defensive. And then the proposed portfolio, which is about the $92.08. So both very very much align with the risk profile\n\nChannel 1: Yep.\n\nChannel 0: for you and still very\n\nChannel 1: Mhmm.\n\nChannel 0: much within that high growth capacity.\n\nChannel 1: Yeah.\n\nChannel 0: Now if you scroll up to page 18 for me,\n\nChannel 1: Yeah.\n\nChannel 0: it shows you the investments. So like I said, we are I have recommended that we move to the SMA. Now\n\nChannel 1: Mhmm.\n\nChannel 0: we have a lot of different SMA products. So if you're trying to get it through that high growth portfolio, it will be\n\nChannel 1: Yep.\n\nChannel 0: a a bit of a mix of two, which also gives you good diversification. So 50% will go into, the one that's called Catalyst, and 50% will go into the one, that's called Bloom, who then gives you good diversification with the investments and aligns things as a high growth portfolio. Now because, obviously, things are always changing, it still gives you the flexibility that if you do go into your Hub twenty four account, you can then click on them. So you can click on the catalyst in the bloom, and it's a drop down of all the investments in\n\nChannel 1: Mhmm.\n\nChannel 0: there. So you can still\n\nChannel 1: Okay.\n\nChannel 0: see them.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Otherwise, we're obviously changing and selling out of the others and moving into the SMA. But, again, you\n\nChannel 1: Yeah.\n\nChannel 0: still have the option of looking at the investments in the SMA. They can obviously change with, obviously, market and decisions that we do along with BlackRock, but it's still there for full visibility for you as well.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Fantastic. And now some of the other pages that you did scroll through earlier, it just kind of summarizes everything I've touched on. It puts it into words kind of how that align with your best interest duty, which factors\n\nChannel 1: Yep.\n\nChannel 0: in, obviously, your personal circumstances, your risk tolerance, investment objectives, time frames, capital gains tax, everything of why\n\nChannel 1: Mhmm.\n\nChannel 0: this was aligning with that best interest. It also talks about advantages and some disadvantages. So, obviously, I touched on the fee saving. Everything will continue to be invested in line with your risk profile. But then, also, aside from our investment committee, you've then obviously taking advantage of BlackRock's investment team as\n\nChannel 1: Yeah.\n\nChannel 0: well, which is a great resource. One of the the risks to be mindful of is that there is always a level of risk associated with an investment option, and\n\nChannel 1: Yep.\n\nChannel 0: there's no guarantee. But, again, that's where the SMA comes in very competitive in that we can make those changes quickly for\n\nChannel 1: Yeah.\n\nChannel 0: you based on the market.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Any questions? That's pretty straightforward. We kind of touched on most of it last time.\n\nChannel 1: Yeah.\n\nChannel 0: It was just\n\nChannel 1: Yeah.\n\nChannel 0: making sure that was going to be the best option for you.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Now just to finish off, if you can scroll down to page 24 for me.\n\nChannel 1: 24. Yep.\n\nChannel 0: Yep. Now like I mentioned in under review as well, there is no changes whatsoever in regards to the fee structure. So\n\nChannel 1: Yep.\n\nChannel 0: with the SMA or no estimate, the fee structure is no different.\n\nChannel 1: Yep.\n\nChannel 0: It stays exactly the same at 1.65 from SUSVA. And, again, it is not a lock in contract.\n\nChannel 1: Yep.\n\nChannel 0: So if at any point in time, you are not happy. It is not a lock in contract. And even though we show you the yearly amount, it is just deducted monthly from your account to make it more fair for you as well with, obviously, market fluctuations.\n\nChannel 1: Yep. Yep.\n\nChannel 0: No additional fees or charges if you wanted to go ahead with the recommendation. It's all part of that ongoing service.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Perfect. And that was basically everything. So pretty straightforward.\n\nChannel 1: Yep.\n\nChannel 0: Basically, what I have recommended is staying in Hub 24, changing to that slightly cheaper menu option, and then investing in the SMA aligning with your high growth risk profile.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Perfect. Do you have any questions, Matthew? What are your\n\nChannel 1: No.\n\nChannel 0: thoughts on\n\nChannel 1: No. It all sounds pretty good.\n\nChannel 0: That's all sounds good. Perfect. So, essentially, from here, if you if you wanna take some time to have a read over it, you're more than welcome to. But if you are, you know, happy to go ahead with the recommendation in order to move\n\nChannel 1: Yep.\n\nChannel 0: forward, it\n\nChannel 1: Yep.\n\nChannel 0: would then be while you are in the document, it will ask you to add a signature on the statement of advice.\n\nChannel 1: Mhmm.\n\nChannel 0: And I think it asks you for a date as well. Often, that does happen automatically.\n\nChannel 1: Yep.\n\nChannel 0: And then\n\nChannel 1: So\n\nChannel 0: it will\n\nChannel 1: it's\n\nChannel 0: say yep.\n\nChannel 1: so it says the signature. There you go. Just already comes up with my name on it. I'll just use that.\n\nChannel 0: Yep. Probably because you have signed using the same software before, so it\n\nChannel 1: Yeah.\n\nChannel 0: recognizes\n\nChannel 1: I probably have.\n\nChannel 0: your login.\n\nChannel 1: Yeah. Yeah. The date is the I don't know. Automatically\n\nChannel 0: Second\n\nChannel 1: does that\n\nChannel 0: of\n\nChannel 1: one too.\n\nChannel 0: yeah. Which is crazy that we're already in July.\n\nChannel 1: Don't tell\n\nChannel 0: Crazy.\n\nChannel 1: me about\n\nChannel 0: Well, the day's\n\nChannel 1: it.\n\nChannel 0: gone.\n\nChannel 1: That's what does it say? It says, like, multiline. I don't know what that is.\n\nChannel 0: It is it allows you to type if you wanted to write like, it allows you to type a variation. So if it was that you wanted to\n\nChannel 1: Oh,\n\nChannel 0: go ahead\n\nChannel 1: okay.\n\nChannel 0: with something and not, you can if it if it forces you to type, you can just put NA or a full stop, and it\n\nChannel 1: Yeah.\n\nChannel 0: should\n\nChannel 1: Exactly.\n\nChannel 0: allow you to press next or validate, or sometimes it allows you to just press next and validate. But it's just there if you wanted to make a comment.\n\nChannel 1: Next document. Yep. Did that work?\n\nChannel 0: No.\n\nChannel 1: Next documents. What's this? It says now. It's so this is clicking through, like, all the next documents.\n\nChannel 0: Mhmm.\n\nChannel 1: It's got hub hub 24 menu switch form.\n\nChannel 0: Mhmm. Yes. That is the the form to then change the product\n\nChannel 1: Yep.\n\nChannel 0: from that choice to core.\n\nChannel 1: Yep.\n\nChannel 0: There's already a pre filled to make\n\nChannel 1: Yep.\n\nChannel 0: it nice and\n\nChannel 1: Call\n\nChannel 0: easy\n\nChannel 1: menu.\n\nChannel 0: for you.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Okay. This one didn't seem like seven. Next. Validate and send.\n\nChannel 0: Yep. And part of the document as well, it won't get you to add a signature on them. But if you wanted to go back and have a look later, it's all saved in your account.\n\nChannel 1: Yep.\n\nChannel 0: But it's also all the product disclosure statement. So, basically,\n\nChannel 1: Mhmm.\n\nChannel 0: all the everything that you need to know about hub twenty four, and there's a lot of information about the SMA as well. They're they're quite long and lengthy.\n\nChannel 1: Yep.\n\nChannel 0: But everything is there for you if it is that you ever wanted to go back and have a look at it. If for some reason you can't access it, just let me know because we always have a copy on file for everything, and I'm more than happy\n\nChannel 1: Yep.\n\nChannel 0: to email that through to you as\n\nChannel 1: Yep.\n\nChannel 0: well. Yep.\n\nChannel 1: No worries.\n\nChannel 0: Fantastic.\n\nChannel 1: That should all be done.\n\nChannel 0: Yeah. I can see that that just came through on my end, Matthew, which is great. So I will let the team know that we'll go ahead and make this switch for you,\n\nChannel 1: Yep.\n\nChannel 0: and you should then be able to see that in your hub twenty four account and all those investments as well, which is great. If there is anything else, though, that you need at any point in time, it doesn't have to be under review time, just send\n\nChannel 1: Yep.\n\nChannel 0: me an email or give us a call, and we can always book you in for a catch up whenever you want to as well.\n\nChannel 1: No worries at all.\n\nChannel 0: Yep. Beautiful. Do you have any questions for me before I let you go and enjoy the rest of your evening?\n\nChannel 1: No. Everything\n\nChannel 0: No?\n\nChannel 1: sounds pretty straightforward.\n\nChannel 0: Yep. Beautiful. Well, thank you so much for your time this afternoon, Matthew, and I hope you enjoy the rest of your night.\n\nChannel 1: No worries. You have a lovely evening.\n\nChannel 0: Mhmm. Mhmm. Thank you. We'll speak soon.\n\nChannel 1: Alright. Bye\n\nChannel 0: Bye.\n\nChannel 1: bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.01985464245080948},{"text":"Hello?","start":4.4,"end":4.9,"sentiment":"neutral","sentiment_score":0.03962896764278412}],"sentiment":"neutral","sentiment_score":0.0297418050467968,"channel":1,"num_words":2,"start":0.56,"end":4.9},{"sentences":[{"text":"Good afternoon.","start":6.0,"end":6.56,"sentiment":"neutral","sentiment_score":0.2550312876701355},{"text":"Is this Matthew?","start":6.56,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.153785506884257}],"sentiment":"neutral","sentiment_score":0.1942838191986084,"channel":0,"num_words":5,"start":6.0,"end":7.3799996},{"sentences":[{"text":"Yes.","start":7.9199996,"end":8.16,"sentiment":"neutral","sentiment_score":0.12692144513130188},{"text":"Speaking.","start":8.16,"end":8.66,"sentiment":"neutral","sentiment_score":0.11381591856479643}],"sentiment":"neutral","sentiment_score":0.12036868184804916,"channel":1,"num_words":2,"start":7.9199996,"end":8.66},{"sentences":[{"text":"This is Veronica from McHugh Financial.","start":9.36,"end":11.54,"sentiment":"neutral","sentiment_score":0.17818404485781988},{"text":"How are you?","start":11.679999,"end":12.465,"sentiment":"neutral","sentiment_score":0.1897012541691462}],"sentiment":"neutral","sentiment_score":0.18202311462826198,"channel":0,"num_words":9,"start":9.36,"end":12.465},{"sentences":[{"text":"I'm good.","start":12.48,"end":12.88,"sentiment":"positive","sentiment_score":0.4739178717136383},{"text":"How are you?","start":12.88,"end":13.605,"sentiment":"positive","sentiment_score":0.3365822434425354}],"sentiment":"positive","sentiment_score":0.39151649475097655,"channel":1,"num_words":5,"start":12.48,"end":13.605},{"sentences":[{"text":"Good.","start":14.305,"end":14.625,"sentiment":"positive","sentiment_score":0.5354649424552917},{"text":"Thanks.","start":14.625,"end":15.125,"sentiment":"positive","sentiment_score":0.5954223871231079},{"text":"I had you booked in to go over the research I did on your super investments.","start":16.225,"end":20.725,"sentiment":"neutral","sentiment_score":0.26653171982616186},{"text":"Is now still","start":20.785,"end":21.425,"sentiment":"neutral","sentiment_score":0.13334965705871582}],"sentiment":"neutral","sentiment_score":0.275973515141578,"channel":0,"num_words":21,"start":14.305,"end":21.425},{"sentences":[{"text":"Yep.","start":21.365,"end":21.865,"sentiment":"neutral","sentiment_score":0.2297526448965073}],"sentiment":"neutral","sentiment_score":0.2297526448965073,"channel":1,"num_words":1,"start":21.365,"end":21.865},{"sentences":[{"text":"a good time for you?","start":21.425,"end":22.645,"sentiment":"positive","sentiment_score":0.3543661952018738}],"sentiment":"positive","sentiment_score":0.3543661952018738,"channel":0,"num_words":5,"start":21.425,"end":22.645},{"sentences":[{"text":"Yeah.","start":22.645,"end":22.884998,"sentiment":"neutral","sentiment_score":0.18139183521270752},{"text":"That's fine.","start":22.884998,"end":23.704998,"sentiment":"neutral","sentiment_score":0.25633785128593445}],"sentiment":"neutral","sentiment_score":0.23135584592819214,"channel":1,"num_words":3,"start":22.645,"end":23.704998},{"sentences":[{"text":"Yep.","start":23.345001,"end":23.845001,"sentiment":"neutral","sentiment_score":0.28653523325920105},{"text":"Perfect.","start":24.305,"end":24.805,"sentiment":"positive","sentiment_score":0.460148811340332},{"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.","start":25.4,"end":32.78,"sentiment":"neutral","sentiment_score":0.06088484553941365}],"sentiment":"neutral","sentiment_score":0.08104337307233964,"channel":0,"num_words":31,"start":23.345001,"end":32.78},{"sentences":[{"text":"Yeah.","start":32.989998,"end":33.23,"sentiment":"neutral","sentiment_score":0.1353781819343567},{"text":"That's fine.","start":33.23,"end":33.97,"sentiment":"neutral","sentiment_score":0.2024085521697998}],"sentiment":"neutral","sentiment_score":0.1800650954246521,"channel":1,"num_words":3,"start":32.989998,"end":33.97},{"sentences":[{"text":"Yep.","start":34.28,"end":34.68,"sentiment":"neutral","sentiment_score":0.24493494629859924},{"text":"Perfect.","start":34.68,"end":35.18,"sentiment":"positive","sentiment_score":0.3786385953426361},{"text":"And just for security purposes as well, just so that I can confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?","start":35.32,"end":46.114998,"sentiment":"neutral","sentiment_score":0.1353976803107394}],"sentiment":"neutral","sentiment_score":0.1446813166533646,"channel":0,"num_words":38,"start":34.28,"end":46.114998},{"sentences":[{"text":"Yeah.","start":46.085,"end":46.405,"sentiment":"neutral","sentiment_score":0.03828364610671997},{"text":"It's Matthew Troy Halliday, thirteenth of the second nineteen eighty six, and forty","start":46.405,"end":51.045002,"sentiment":"neutral","sentiment_score":0.043974361883906216}],"sentiment":"neutral","sentiment_score":0.04356788218553577,"channel":1,"num_words":14,"start":46.085,"end":51.045002},{"sentences":[{"text":"Yep.","start":50.734997,"end":51.234997,"sentiment":"neutral","sentiment_score":0.02781764045357704}],"sentiment":"neutral","sentiment_score":0.02781764045357704,"channel":0,"num_words":1,"start":50.734997,"end":51.234997},{"sentences":[{"text":"4 Balmoral Rise, Wilton, New South Wales 2571.","start":51.045002,"end":55.5,"sentiment":"neutral","sentiment_score":0.02656662918161601}],"sentiment":"neutral","sentiment_score":0.02656662918161601,"channel":1,"num_words":8,"start":51.045002,"end":55.5},{"sentences":[{"text":"Yep.","start":55.95,"end":56.43,"sentiment":"neutral","sentiment_score":0.09328630566596983},{"text":"Perfect.","start":56.43,"end":56.93,"sentiment":"neutral","sentiment_score":0.25298523902893066},{"text":"And","start":56.99,"end":57.23,"sentiment":"neutral","sentiment_score":0.14939366281032562}],"sentiment":"neutral","sentiment_score":0.16522173583507538,"channel":0,"num_words":3,"start":55.95,"end":57.23},{"sentences":[{"text":"Yes.","start":57.02,"end":57.52,"sentiment":"neutral","sentiment_score":0.14867594838142395}],"sentiment":"neutral","sentiment_score":0.14867594838142395,"channel":1,"num_words":1,"start":57.02,"end":57.52},{"sentences":[{"text":"how's your day been so far?","start":57.23,"end":58.43,"sentiment":"neutral","sentiment_score":0.10402363414565723},{"text":"I've been busy.","start":58.43,"end":59.170002,"sentiment":"neutral","sentiment_score":-0.11050189286470413}],"sentiment":"neutral","sentiment_score":0.032515125142203435,"channel":0,"num_words":9,"start":57.23,"end":59.170002},{"sentences":[{"text":"Yeah.","start":58.86,"end":59.1,"sentiment":"neutral","sentiment_score":-0.042457953095436096},{"text":"Not too bad.","start":59.1,"end":60.0,"sentiment":"neutral","sentiment_score":-0.027794700115919113}],"sentiment":"neutral","sentiment_score":-0.03146051336079836,"channel":1,"num_words":4,"start":58.86,"end":60.0},{"sentences":[{"text":"Yeah.","start":60.510002,"end":61.010002,"sentiment":"neutral","sentiment_score":0.01402367278933525}],"sentiment":"neutral","sentiment_score":0.01402367278933525,"channel":0,"num_words":1,"start":60.510002,"end":61.010002},{"sentences":[{"text":"Yes and no.","start":60.62,"end":61.68,"sentiment":"neutral","sentiment_score":-0.003663510084152222}],"sentiment":"neutral","sentiment_score":-0.003663510084152222,"channel":1,"num_words":3,"start":60.62,"end":61.68},{"sentences":[{"text":"Well, I will try not to keep you for too long.","start":63.15,"end":66.05,"sentiment":"neutral","sentiment_score":-0.07085346650670875}],"sentiment":"neutral","sentiment_score":-0.07085346650670875,"channel":0,"num_words":11,"start":63.15,"end":66.05},{"sentences":[{"text":"Yep.","start":66.78,"end":67.28,"sentiment":"neutral","sentiment_score":0.035309091210365295}],"sentiment":"neutral","sentiment_score":0.035309091210365295,"channel":1,"num_words":1,"start":66.78,"end":67.28},{"sentences":[{"text":"Now do you have access to your emails at the moment, Matthew?","start":67.445,"end":70.425,"sentiment":"neutral","sentiment_score":0.03565083025023341}],"sentiment":"neutral","sentiment_score":0.03565083025023341,"channel":0,"num_words":12,"start":67.445,"end":70.425},{"sentences":[{"text":"I do.","start":70.695,"end":71.174995,"sentiment":"neutral","sentiment_score":0.056097254157066345},{"text":"Is it alright if I have it on the iPad?","start":71.174995,"end":72.954994,"sentiment":"neutral","sentiment_score":0.04570038951933384}],"sentiment":"neutral","sentiment_score":0.04743320029228926,"channel":1,"num_words":12,"start":70.695,"end":72.954994},{"sentences":[{"text":"Yeah.","start":73.605,"end":73.845,"sentiment":"neutral","sentiment_score":0.05471740663051605},{"text":"Yeah.","start":73.845,"end":74.165,"sentiment":"neutral","sentiment_score":0.07251393795013428},{"text":"Yeah.","start":74.165,"end":74.405,"sentiment":"neutral","sentiment_score":0.09426029026508333},{"text":"It","start":74.405,"end":74.565,"sentiment":"neutral","sentiment_score":0.09654001146554948}],"sentiment":"neutral","sentiment_score":0.07950791157782078,"channel":0,"num_words":4,"start":73.605,"end":74.565},{"sentences":[{"text":"Yeah.","start":74.454994,"end":74.954994,"sentiment":"neutral","sentiment_score":0.13593074679374695}],"sentiment":"neutral","sentiment_score":0.13593074679374695,"channel":1,"num_words":1,"start":74.454994,"end":74.954994},{"sentences":[{"text":"whatever whatever works for you.","start":74.645004,"end":76.505005,"sentiment":"neutral","sentiment_score":0.16865890920162202},{"text":"I have just sent you an email with the recommendation.","start":78.085,"end":80.745,"sentiment":"neutral","sentiment_score":0.17234070003032684}],"sentiment":"neutral","sentiment_score":0.17111343642075857,"channel":0,"num_words":15,"start":74.645004,"end":80.745},{"sentences":[{"text":"Yep.","start":81.83,"end":82.33,"sentiment":"neutral","sentiment_score":0.17599450051784515}],"sentiment":"neutral","sentiment_score":0.17599450051784515,"channel":1,"num_words":1,"start":81.83,"end":82.33},{"sentences":[{"text":"And, yeah, it just makes it a little bit easier if you can get that up at the same time.","start":82.380005,"end":87.04,"sentiment":"neutral","sentiment_score":0.21484440192580223}],"sentiment":"neutral","sentiment_score":0.21484440192580223,"channel":0,"num_words":20,"start":82.380005,"end":87.04},{"sentences":[{"text":"Yep.","start":87.270004,"end":87.770004,"sentiment":"neutral","sentiment_score":0.1436217725276947}],"sentiment":"neutral","sentiment_score":0.1436217725276947,"channel":1,"num_words":1,"start":87.270004,"end":87.770004},{"sentences":[{"text":"So just let me know if that came through okay to you.","start":87.98,"end":90.8,"sentiment":"neutral","sentiment_score":0.17765281473596892}],"sentiment":"neutral","sentiment_score":0.17765281473596892,"channel":0,"num_words":12,"start":87.98,"end":90.8},{"sentences":[{"text":"Yep.","start":91.67,"end":92.07,"sentiment":"neutral","sentiment_score":0.12041153758764268},{"text":"I've got the email 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scrolled past is just words.","start":330.555,"end":333.375,"sentiment":"neutral","sentiment_score":0.17483002895658667},{"text":"This, I usually find it's a bit easier to kind of look at it on how what it actually looks like.","start":333.595,"end":338.815,"sentiment":"neutral","sentiment_score":0.2188518891731898}],"sentiment":"neutral","sentiment_score":0.20371937472373247,"channel":0,"num_words":32,"start":330.555,"end":338.815},{"sentences":[{"text":"Yep.","start":339.255,"end":339.755,"sentiment":"neutral","sentiment_score":0.08924739807844162}],"sentiment":"neutral","sentiment_score":0.08924739807844162,"channel":1,"num_words":1,"start":339.255,"end":339.755},{"sentences":[{"text":"So you can see here your current situation with Hub twenty four.","start":339.27,"end":343.29,"sentiment":"neutral","sentiment_score":0.10941905590395133},{"text":"Now part of the research is I also considered a lot of other super funds for you because you 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review time, just send","start":1171.0901,"end":1177.0901,"sentiment":"neutral","sentiment_score":0.21323219376305738}],"sentiment":"positive","sentiment_score":0.4067593989893794,"channel":0,"num_words":48,"start":1163.9149,"end":1177.0901},{"sentences":[{"text":"Yep.","start":1176.94,"end":1177.44,"sentiment":"neutral","sentiment_score":0.17614337801933289}],"sentiment":"neutral","sentiment_score":0.17614337801933289,"channel":1,"num_words":1,"start":1176.94,"end":1177.44},{"sentences":[{"text":"me an email or give us a call, and we can always book you in for a catch up whenever you want to as well.","start":1177.0901,"end":1182.075,"sentiment":"neutral","sentiment_score":0.23183604717254638}],"sentiment":"neutral","sentiment_score":0.23183604717254638,"channel":0,"num_words":25,"start":1177.0901,"end":1182.075},{"sentences":[{"text":"No worries at 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evening?","start":1184.715,"end":1188.335,"sentiment":"neutral","sentiment_score":0.14392987383823647}],"sentiment":"neutral","sentiment_score":0.15500607181872642,"channel":0,"num_words":21,"start":1183.9149,"end":1188.335},{"sentences":[{"text":"No.","start":1188.335,"end":1188.835,"sentiment":"neutral","sentiment_score":-0.13267968595027924},{"text":"Everything","start":1188.895,"end":1189.395,"sentiment":"neutral","sentiment_score":-0.05428669974207878}],"sentiment":"neutral","sentiment_score":-0.09348319284617901,"channel":1,"num_words":2,"start":1188.335,"end":1189.395},{"sentences":[{"text":"No?","start":1189.355,"end":1189.855,"sentiment":"neutral","sentiment_score":-0.07529642432928085}],"sentiment":"neutral","sentiment_score":-0.07529642432928085,"channel":0,"num_words":1,"start":1189.355,"end":1189.855},{"sentences":[{"text":"sounds pretty straightforward.","start":1189.5349,"end":1190.6749,"sentiment":"neutral","sentiment_score":0.13637703160444895}],"sentiment":"neutral","sentiment_score":0.13637703160444895,"channel":1,"num_words":3,"start":1189.5349,"end":1190.6749},{"sentences":[{"text":"Yep.","start":1191.115,"end":1191.595,"sentiment":"neutral","sentiment_score":0.2569064497947693},{"text":"Beautiful.","start":1191.595,"end":1192.075,"sentiment":"positive","sentiment_score":0.7430530786514282},{"text":"Well, thank you so much for your time this afternoon, Matthew, and I hope you enjoy the rest of your night.","start":1192.075,"end":1196.255,"sentiment":"positive","sentiment_score":0.7659090189706712}],"sentiment":"positive","sentiment_score":0.7427847359491431,"channel":0,"num_words":23,"start":1191.115,"end":1196.255},{"sentences":[{"text":"No worries.","start":1196.2468,"end":1196.8069,"sentiment":"positive","sentiment_score":0.48463626205921173},{"text":"You have a lovely evening.","start":1196.8069,"end":1197.8668,"sentiment":"positive","sentiment_score":0.7149796485900879}],"sentiment":"positive","sentiment_score":0.649167252438409,"channel":1,"num_words":7,"start":1196.2468,"end":1197.8668},{"sentences":[{"text":"Mhmm.","start":1197.9069,"end":1198.1469,"sentiment":"neutral","sentiment_score":0.1589716225862503},{"text":"Mhmm.","start":1198.1469,"end":1198.5469,"sentiment":"neutral","sentiment_score":0.08560280501842499},{"text":"Thank you.","start":1198.5469,"end":1198.9469,"sentiment":"positive","sentiment_score":0.5042082667350769},{"text":"We'll speak soon.","start":1198.9469,"end":1199.9269,"sentiment":"neutral","sentiment_score":0.3012772798538208}],"sentiment":"neutral","sentiment_score":0.30811754294804167,"channel":0,"num_words":7,"start":1197.9069,"end":1199.9269},{"sentences":[{"text":"Alright.","start":1200.0868,"end":1200.4069,"sentiment":"neutral","sentiment_score":0.1736670583486557},{"text":"Bye","start":1200.4069,"end":1200.6469,"sentiment":"neutral","sentiment_score":0.11919979751110076}],"sentiment":"neutral","sentiment_score":0.14643342792987823,"channel":1,"num_words":2,"start":1200.0868,"end":1200.6469},{"sentences":[{"text":"Bye.","start":1200.5469,"end":1201.0469,"sentiment":"neutral","sentiment_score":0.14114002883434296}],"sentiment":"neutral","sentiment_score":0.14114002883434296,"channel":0,"num_words":1,"start":1200.5469,"end":1201.0469},{"sentences":[{"text":"bye.","start":1200.6469,"end":1201.1469,"sentiment":"neutral","sentiment_score":-0.10170985013246536}],"sentiment":"neutral","sentiment_score":-0.10170985013246536,"channel":1,"num_words":1,"start":1200.6469,"end":1201.1469}]},"summary":{"result":"success","short":"Representatives from McHugh Financial and a financial company recommend a second tier investment product called SMA, which is available on a slightly different offer. The product provides flexibility and benefits for the customer, including reducing fees and increasing returns. The speaker emphasizes the importance of staying in the current product and adding a signature on the statement of advice. The investment is typically a five-year rolling average and focuses on high growth risk profiles. The speaker recommends staying in the current menu option and investing in the SMA risk profile, with no change to the fee structure and the option remaining the same at 1.65 from SUSVA."},"intents":{"segments":[{"text":"And just for security purposes as well, just so that I can confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Yeah.","start_word":89,"end_word":125,"intents":[{"intent":"Confirm identity","confidence_score":0.8827852},{"intent":"Provide information","confidence_score":0.10180475},{"intent":"Confirm identity","confidence_score":0.31126508},{"intent":"Confirm identity","confidence_score":0.25379962},{"intent":"Confirm identity","confidence_score":0.23051989}]},{"text":"Now do you have access to your emails at the moment, Matthew? I do.","start_word":181,"end_word":194,"intents":[{"intent":"Check access","confidence_score":0.023925813},{"intent":"Provide email","confidence_score":0.1862469}]},{"text":"I have just sent you an email with the recommendation. Yep.","start_word":215,"end_word":225,"intents":[{"intent":"Provide recommendation","confidence_score":0.06628128}]},{"text":"Do I just click on the sign document? Is that right? Yes. Yes, please. Because it will allow you to open up and view everything Yeah. before it prompts you to sign anything just to make sure, obviously, you are happy. Alright. Yep. Yep. So can you see the cover page where it says statement of advice?","start_word":266,"end_word":322,"intents":[{"intent":"Review document","confidence_score":0.0024299342}]},{"text":"So can you see the cover page where it says statement of advice? Mhmm. Yep. Perfect. Now it is pretty straightforward today. You will see it's about 28 pages. A lot of it is just for compliance purposes. Just Mhmm.","start_word":310,"end_word":349,"intents":[{"intent":"Provide clarification","confidence_score":0.02850768}]},{"text":"a lot of waste of compliance, but just so that you fully understand.","start_word":410,"end_word":422,"intents":[{"intent":"Compliment compliance","confidence_score":0.0000997825}]},{"text":"Now during the under review, you came out as a high growth investor, which you are currently invested in, which is tolerance, but also time frame until retirement. So Yep.","start_word":694,"end_word":723,"intents":[{"intent":"Review investment strategy","confidence_score":0.0033379968}]},{"text":"So hub twenty four, they have three different product offering, and it kind of depends on the the level of investment choices.","start_word":1067,"end_word":1088,"intents":[{"intent":"Clarify investment options","confidence_score":0.0056527983}]},{"text":"thing with the SMA, it is available on that kind of second tier product, Yep. Yep. which means that there is slightly less availability for investments, but it doesn't really matter because the SMA is available, which is fantastic. Yep.","start_word":1132,"end_word":1171,"intents":[{"intent":"Confirm investment availability","confidence_score":0.0020005237},{"intent":"Evaluate sma's functionality","confidence_score":0.0000029846465},{"intent":"Explain sma's benefits","confidence_score":0.004066209}]},{"text":"that is saving you about a $180 a year, which, again, it all adds up. Does that make sense? Yeah.","start_word":1204,"end_word":1223,"intents":[{"intent":"Provide cost savings","confidence_score":0.0008006408}]},{"text":"that basically means when we did the research is that there is estimated to be no capital gains tax, which is great. Okay.","start_word":1300,"end_word":1322,"intents":[{"intent":"Recall past meetings","confidence_score":5.4571714e-8}]},{"text":"that basically means when we did the research is that there is estimated to be no capital gains tax, which is great. Okay. Yep.","start_word":1300,"end_word":1323,"intents":[{"intent":"Confirm minimum capital gains tax requirement","confidence_score":0.0000070453734}]},{"text":"Now what it actually looks like in terms of the performance as well is that, typically, when we are using projections and stuff, we like to use a five year rolling average. Now we can never obviously guarantee what is going to happen with the investments in the market. You never know. Yep.","start_word":1376,"end_word":1428,"intents":[{"intent":"Confirm future use of rolling average","confidence_score":0.00044848633}]},{"text":"But you can see here that even though both portfolios, so your current and the SMA, are in a high growth portfolio, the SMA has outperformed your current portfolio by quite a bit, which Yep. is really good. Yep.","start_word":1543,"end_word":1581,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.18562248}]},{"text":"They can obviously change with, obviously, market and decisions that we do along with BlackRock, but it's still there for full visibility for you as well. Yep.","start_word":2147,"end_word":2173,"intents":[{"intent":"Analyze market requirements","confidence_score":0.0000024465585}]},{"text":"But it's just there if you wanted to make a comment. Next document.","start_word":2864,"end_word":2876,"intents":[{"intent":"Make a comment","confidence_score":0.7019888}]},{"text":"It's got hub hub 24 menu switch form. Mhmm. Yes. That is the the form to then change the product Yep. from that choice to core. Yep.","start_word":2900,"end_word":2926,"intents":[{"intent":"Create a switch","confidence_score":0.04763166}]},{"text":"all the everything that you need to know about hub twenty four, and there's a lot of information about the SMA as well. They're they're quite long and lengthy. Yep.","start_word":3005,"end_word":3034,"intents":[{"intent":"Provide information about sma","confidence_score":0.047517344}]},{"text":"If there is anything else, though, that you need at any point in time, it doesn't have to be under review time, just send Yep. me an email or give us a call, and we can always book you in for a catch up whenever you want to as well. No worries at all.","start_word":3161,"end_word":3214,"intents":[{"intent":"Book a catch up","confidence_score":0.74039507}]}]},"sentiments":{"segments":[{"text":"Hello? Hello? Good afternoon. Is this Matthew? Yes. Speaking. This is Veronica from McHugh Financial. How are you?","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.15652208030223846},{"text":"I'm good. How are you? Good. Thanks.","start_word":18,"end_word":24,"sentiment":"positive","sentiment_score":0.4621446132659912},{"text":"I had you booked in to go over the research I did on your super investments. Is now still Yep.","start_word":25,"end_word":44,"sentiment":"neutral","sentiment_score":0.237058624625206},{"text":"a good time for you?","start_word":45,"end_word":49,"sentiment":"positive","sentiment_score":0.34654197096824646},{"text":"Yeah. That's fine. Yep.","start_word":50,"end_word":53,"sentiment":"neutral","sentiment_score":0.25089260935783386},{"text":"Perfect.","start_word":54,"end_word":54,"sentiment":"positive","sentiment_score":0.460148811340332},{"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. Yeah. That's fine. Yep.","start_word":55,"end_word":87,"sentiment":"neutral","sentiment_score":0.09138692170381546},{"text":"Perfect.","start_word":88,"end_word":88,"sentiment":"positive","sentiment_score":0.3786385953426361},{"text":"And just for security purposes as well, just so that I can confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Yeah. It's Matthew Troy Halliday, thirteenth of the second nineteen eighty six, and forty Yep. 4 Balmoral Rise, Wilton, New South Wales 2571. Yep. Perfect. And Yes. how's your day been so far? I've been busy. Yeah. Not too bad. Yeah. Yes and no. Well, I will try not to keep you for too long. Yep. Now do you have access to your emails at the moment, Matthew? I do. Is it alright if I have it on the iPad? Yeah. Yeah. Yeah. It Yeah. whatever whatever works for you. I have just sent you an email with the recommendation. Yep. And, yeah, it just makes it a little bit easier if you can get that up at the same time. Yep. So just let me know if that came through okay to you. Yep. I've got the email here. Yep. Do I just click on the sign document? Is that right? Yes. Yes, please. Because it will allow you to open up and view everything Yeah. before it prompts you to sign anything just to make sure, obviously, you are happy. Alright. Yep. Yep. So can you see the cover page where it says statement of advice? Mhmm. Yep.","start_word":89,"end_word":324,"sentiment":"neutral","sentiment_score":0.1000860258936882},{"text":"Perfect.","start_word":325,"end_word":325,"sentiment":"positive","sentiment_score":0.34387528896331787},{"text":"Now it is pretty straightforward today. You will see it's about 28 pages. A lot of it is just for compliance purposes. Just Mhmm. so that you fully understand everything, I'll just kind of touch on the main points because it is pretty straightforward. Yep. Now it has been tailored specifically for you, and every time we do make a recommendation on a financial product and make tailored financial advice, we have Yep. to put everything in the statement of advice. So, again, Yep. a lot of waste of compliance, but just so that you fully understand. Mhmm. Now you will also see that this has been prepared by myself. You will see my Yep. authorized representative number listed, and I am licensed under Oakview Financial. Yep. Now on the second page, it talks a little bit about the best interest duty. Do you remember ever hearing about that before? Not really. No. No. Basically, what it means is that we have to act in your best interest at all time, and Yep. the advice itself has to put you in a better position as a result Mhmm. of the advice. Otherwise, Yep.","start_word":326,"end_word":518,"sentiment":"neutral","sentiment_score":0.06457173251040241},{"text":"I can't actually make the recommendation.","start_word":519,"end_word":524,"sentiment":"negative","sentiment_score":-0.3947434425354004},{"text":"Does that Yep. make sense? Yep. Yep.","start_word":525,"end_word":531,"sentiment":"neutral","sentiment_score":-0.03063671663403511},{"text":"Perfect.","start_word":532,"end_word":532,"sentiment":"positive","sentiment_score":0.3680284321308136},{"text":"Now as you scroll through for me, you will see on page three, it talks about scope of advice. Uh-huh. Basically, what this means is the areas we are looking at today. So, like I said, pretty straightforward. Main focus is to just review your superannuation, Yep. having a look to see if that SMA was going to be a good option for you Mhmm. or Yep. if any other options with the investment. Do you kind of remember Yep. that conversation? Yeah. Yep. Yep.","start_word":533,"end_word":617,"sentiment":"neutral","sentiment_score":0.13799390196800232},{"text":"Beautiful.","start_word":618,"end_word":618,"sentiment":"positive","sentiment_score":0.5688655376434326},{"text":"Otherwise, not making any changes in regards to insurances or anything else. Literally, just your insurances or anything else, literally just your Yep. Yep. super investments. So Yep. if you can scroll through for me, you will see as you're scrolling, just a bit of personal information about you, lifestyle Mhmm. assets, liabilities, Yep. insurances like we touched on during the under review. And then page 11, that talks about your risk profile. Mhmm. Now during the under review, you came out as a high growth investor, which you are currently invested in, which is tolerance, but also time frame until retirement. So Yep.","start_word":619,"end_word":722,"sentiment":"neutral","sentiment_score":0.08566085464106156},{"text":"we are not making any changes in regards to that risk allocation.","start_word":723,"end_word":734,"sentiment":"negative","sentiment_score":-0.35180583596229553},{"text":"I'm literally just looking at changing investment for you. Mhmm. Yep. Yep.","start_word":735,"end_word":746,"sentiment":"neutral","sentiment_score":-0.0004447834216989577},{"text":"Yep. Perfect.","start_word":747,"end_word":748,"sentiment":"positive","sentiment_score":0.5225521922111511},{"text":"Now what I have actually recommended so if you can scroll down to page 13 for me, Mhmm. this outlines that. So what I have recommended is actually moving through the SMA product. Yep. Now what that actually looks like, I usually find the best way to look at it is if you want to scroll down to page 20 for me. Yep. It kind of summarizes everything. Yep. A lot of what you just scrolled past is just words. This, I usually find it's a bit easier to kind of look at it on how what it actually looks like. Yep. So you can see here your current situation with Hub twenty four. Now part of the research is I also considered a lot of other super funds for you because you never Mhmm. know. There's always new features and products that come out, Yep. so it is good to assess that there's nothing tying us to Hub twenty four. So if there was another super fund better suited for you, we obviously wanna make sure we consider it. But Yep. Yep. at the moment, Hub twenty four is very competitive Yep. when it comes to their fees and features and available Mhmm. investment choices. So Yep. I have recommended that we stay in Hub twenty four. Now I use Hub twenty four for my personal super as well, so it Yep. is very Yeah. competitive. So recommending staying in Hub 24, but Mhmm. moving into that SMA. Now Yep. what that actually looks like, you can kind of see here that the biggest thing is the investment fees.","start_word":749,"end_word":1018,"sentiment":"neutral","sentiment_score":0.16201673448085785},{"text":"It is saving you about $232 a year.","start_word":1019,"end_word":1026,"sentiment":"positive","sentiment_score":0.3391669690608978},{"text":"So reducing Yep. that fees a little bit into slightly cheaper investments, which is good. But Yep. another good thing is that with the SMA, it is actually available on a slightly different product offering with hub twenty four. So hub twenty four, they have three different product offering, and it kind of depends on the the level of investment choices. Mhmm. Mhmm. So you have the one that you are on, which is your choice option.","start_word":1027,"end_word":1103,"sentiment":"neutral","sentiment_score":0.18177919883232613},{"text":"That's the one that kind of gives you the most comprehensive selection on investments, and that Yep.","start_word":1104,"end_word":1120,"sentiment":"positive","sentiment_score":0.3698156774044037},{"text":"is usually where we would tailor investments.","start_word":1121,"end_word":1127,"sentiment":"neutral","sentiment_score":0.2287423759698868},{"text":"But the good Mhmm.","start_word":1128,"end_word":1131,"sentiment":"positive","sentiment_score":0.4364300072193146},{"text":"thing with the SMA, it is available on that kind of second tier product, Yep. Yep.","start_word":1132,"end_word":1147,"sentiment":"neutral","sentiment_score":0.28323855996131897},{"text":"which means that there is slightly less availability for investments, but it doesn't really matter because the SMA is available, which is fantastic.","start_word":1148,"end_word":1170,"sentiment":"positive","sentiment_score":0.3772805333137512},{"text":"Yep. So what it means is that you don't have to pay the same level of admin fee because it's like a cheaper Mhmm. product Yep. still within hub 24, though.","start_word":1171,"end_word":1201,"sentiment":"neutral","sentiment_score":0.195531964302063},{"text":"So Yep. that is saving you about a $180 a year, which, again, it all adds up.","start_word":1202,"end_word":1218,"sentiment":"positive","sentiment_score":0.456069141626358},{"text":"Does that make sense? Yeah. That's Yep.","start_word":1219,"end_word":1225,"sentiment":"neutral","sentiment_score":0.2896721065044403},{"text":"yep. Perfect.","start_word":1226,"end_word":1227,"sentiment":"positive","sentiment_score":0.4330970346927643},{"text":"Otherwise, no changes to the adviser fees or contributions or insurances. Mhmm. Another thing I did wanna consider is that often when we do make changes to investments, and so when we are selling investments, there will be capital gains tax sometimes applicable with making a change. Mhmm.","start_word":1228,"end_word":1275,"sentiment":"neutral","sentiment_score":0.060484059154987335},{"text":"But the good thing is that with the SMA, there are some of your current investments that overlap, which is great.","start_word":1276,"end_word":1296,"sentiment":"positive","sentiment_score":0.4080229997634888},{"text":"And what Yep. that basically means when we did the research is that there is estimated to be no capital gains tax, which is great. Okay. Yep. Yep. It can obviously fluctuate on a daily depending on the market price of everything. Yep. But when we Yep. put it all together, there was no capital gains tax, which again was was a big thing. I wanted to make sure we didn't get for you, which is great. Yep. Yep. Now what it actually looks like in terms of the performance as well is that, typically, when we are using projections and stuff, we like to use a five year rolling average. Now we can never obviously guarantee what is going to happen with the investments in the market. You never know. Yep. Yep. But that is why we want to use a five year rolling average because using Mhmm. a five year period and then dividing that makes it a little bit more certain of what has happened in the market, but also the portfolio. So it gives us a little Yep. bit more certainty than if we were to use, let's say, a twelve month period. Just depending on when we use Yep. that twelve month period, sometimes it would have made, like, you won the lottery, whereas other Yep. years, not so good. So the five Yep. years gives us a little bit more certainty. Does that make sense, Matthew? Mhmm. Yep. Yep.","start_word":1297,"end_word":1541,"sentiment":"neutral","sentiment_score":0.1169746486204011},{"text":"Perfect. But you can see here that even though both portfolios, so your current and the SMA, are in a high growth portfolio, the SMA has outperformed your current portfolio by quite a bit, which Yep. is really good. Yep. The biggest thing with the SMA as well is that from the conversation last time, if you remember, is that it gives us that flexibility.","start_word":1542,"end_word":1606,"sentiment":"positive","sentiment_score":0.4023614227771759},{"text":"So this shows you Yep. the five year historical returns, but the Mhmm.","start_word":1607,"end_word":1619,"sentiment":"neutral","sentiment_score":0.2545051872730255},{"text":"biggest thing is that the flexibility it allows us to do in a proactive manner for you moving forward.","start_word":1620,"end_word":1638,"sentiment":"positive","sentiment_score":0.4600907862186432},{"text":"So Yep. if there is a bit of prevalence in the market like we have seen in the last twelve months, we can very quickly make these changes for you without Yep. having to go through this kind of lengthier, SOA process. We're still Mhmm. making sure, obviously, we always follow that best interest duty and do what's best for you. But it kind of minimizes that Yep.","start_word":1639,"end_word":1706,"sentiment":"neutral","sentiment_score":0.23093655705451965},{"text":"a little bit, which makes it a lot quicker, which is great, especially when the market is always moving. You wanna be proactive Yep. and making those quick choices.","start_word":1707,"end_word":1735,"sentiment":"positive","sentiment_score":0.4676215350627899},{"text":"Mhmm. Yep. Now on the next page, I have then kind of projected things forward for five and ten years to show Yep. you the difference. So Mhmm.","start_word":1736,"end_word":1763,"sentiment":"neutral","sentiment_score":0.22064049541950223},{"text":"you can see that even though we're reducing the fees, keeping the same level of risk, and improving those returns, it all compounds and makes a pretty big difference.","start_word":1764,"end_word":1792,"sentiment":"positive","sentiment_score":0.4134675860404968},{"text":"Yeah. Yep. Now underneath that, I have also just included a little bit more in regards to the returns. So you can Mhmm. see the twelve month comparison, three, five, and ten years.","start_word":1793,"end_word":1825,"sentiment":"neutral","sentiment_score":0.1391070458022031},{"text":"Yep. And Yep. you can see that across all time frames, the SMA has still outperformed your current App performance performance.","start_word":1826,"end_word":1846,"sentiment":"positive","sentiment_score":0.5315585732460022},{"text":"as Yeah. well. Yep. Yeah. Now if you wanna scroll up for me back up to page 19, Yep. it shows you the asset allocation. So, basically, this shows you your your risk profile, which we are aiming for around that 90% in growth, 10 in defensive. You can see your existing portfolio, about eighty seven eighty seven and then twelve thirteen in defensive. And then the proposed portfolio, which is about the $92.08. So both very very much align with the risk profile Yep. for you and still very Mhmm. much within that high growth capacity. Yeah. Now if you scroll up to page 18 for me, Yeah. it shows you the investments. So like I said, we are I have recommended that we move to the SMA. Now Mhmm. we have a lot of different SMA products. So if you're trying to get it through that high growth portfolio, it will be Yep. a a bit of a mix of two, which also gives you good diversification. So 50% will go into, the one that's called Catalyst, and 50% will go into the one, that's called Bloom, who then gives you good diversification with the investments and aligns things as a high growth portfolio. Now because, obviously, things are always changing, it still gives you the flexibility that if you do go into your Hub twenty four account, you can then click on them. So you can click on the catalyst in the bloom, and it's a drop down of all the investments in Mhmm. there. So you can still Okay. see them. Yeah. Yep. Yep. Otherwise, we're obviously changing and selling out of the others and moving into the SMA. But, again, you Yeah. still have the option of looking at the investments in the SMA. They can obviously change with, obviously, market and decisions that we do along with BlackRock, but it's still there for full visibility for you as well. Yep. Yep. Does that make sense? Yep.","start_word":1847,"end_word":2178,"sentiment":"neutral","sentiment_score":0.16197083490979242},{"text":"Yep. Fantastic.","start_word":2179,"end_word":2180,"sentiment":"positive","sentiment_score":0.5520987510681152},{"text":"And now some of the other pages that you did scroll through earlier, it just kind of summarizes everything I've touched on. It puts it into words kind of how that align with your best interest duty, which factors Yep. in, obviously, your personal circumstances, your risk tolerance, investment objectives, time frames, capital gains tax, everything of why Mhmm. this was aligning with that best interest. It also talks about advantages and some disadvantages. So, obviously, I touched on the fee saving. Everything will continue to be invested in line with your risk profile. But then, also, aside from our investment committee, you've then obviously taking advantage of BlackRock's investment team as Yeah.","start_word":2181,"end_word":2293,"sentiment":"neutral","sentiment_score":0.18278619647026065},{"text":"well, which is a great resource.","start_word":2294,"end_word":2299,"sentiment":"positive","sentiment_score":0.41824230551719666},{"text":"One of the the risks to be mindful of is that there is always a level of risk associated with an investment option, and Yep. there's no guarantee. But, again, that's where the SMA comes in very competitive in that we can make those changes quickly for Yeah. you based on the market. Yeah. Yeah. Yep. Any questions? That's pretty straightforward. We kind of touched on most of it last time. Yeah. It was just Yeah. making sure that was going to be the best option for you. Yeah. Yeah. Now just to finish off, if you can scroll down to page 24 for me. 24. Yep. Yep. Now like I mentioned in under review as well, there is no changes whatsoever in regards to the fee structure. So Yep. with the SMA or no estimate, the fee structure is no different. Yep. It stays exactly the same at 1.65 from SUSVA. And, again, it is not a lock in contract. So Yep.","start_word":2300,"end_word":2462,"sentiment":"neutral","sentiment_score":0.04937123879790306},{"text":"if at any point in time, you are not happy.","start_word":2463,"end_word":2472,"sentiment":"negative","sentiment_score":-0.33881673216819763},{"text":"It is not a lock in contract. And even though we show you the yearly amount, it is just deducted monthly from your account to make it more fair for you as well with, obviously, market fluctuations. Yep. Yep. No additional fees or charges if you wanted to go ahead with the recommendation. It's all part of that ongoing service. Yep. Yep. Yep.","start_word":2473,"end_word":2535,"sentiment":"neutral","sentiment_score":0.0802818885339158},{"text":"Perfect. And that was basically everything. So pretty straightforward. Yep.","start_word":2536,"end_word":2545,"sentiment":"positive","sentiment_score":0.6091118454933167},{"text":"Basically, what I have recommended is staying in Hub 24, changing to that slightly cheaper menu option, and then investing in the SMA aligning with your high growth risk profile. Yep. Yep.","start_word":2546,"end_word":2577,"sentiment":"neutral","sentiment_score":0.2239784151315689},{"text":"Perfect.","start_word":2578,"end_word":2578,"sentiment":"positive","sentiment_score":0.4953052401542664},{"text":"Do you have any questions, Matthew? What are your No. thoughts on No.","start_word":2579,"end_word":2591,"sentiment":"neutral","sentiment_score":0.09392949938774107},{"text":"It all sounds pretty good. That's all sounds good. Perfect.","start_word":2592,"end_word":2601,"sentiment":"positive","sentiment_score":0.5619023442268372},{"text":"So, essentially, from here, if you if you wanna take some time to have a read over it, you're more than welcome to.","start_word":2602,"end_word":2624,"sentiment":"neutral","sentiment_score":0.260873019695282},{"text":"But if you are, you know, happy to go ahead with the recommendation in order to move Yep.","start_word":2625,"end_word":2642,"sentiment":"positive","sentiment_score":0.36228933930397034},{"text":"forward, it Yep. would then be while you are in the document, it will ask you to add a signature on the statement of advice. Mhmm. And I think it asks you for a date as well. Often, that does happen automatically. Yep. And then So it will it's say yep. so it says the signature. There you go. Just already comes up with my name on it. I'll just use that. Yep. Probably because you have signed using the same software before, so it Yeah. recognizes I probably have. your login. Yeah. Yeah. The date is the I don't know. Automatically Second does that of one too. yeah. Which is crazy that we're already in July. Don't tell Crazy. me about Well, the day's it. gone. That's what does it say? It says, like, multiline. I don't know what that is. It is it allows you to type if you wanted to write like, it allows you to type a variation. So if it was that you wanted to Oh, go ahead okay. with something and not, you can if it if it forces you to type, you can just put NA or a full stop, and it Yeah. should Exactly. allow you to press next or validate, or sometimes it allows you to just press next and validate. But it's just there if you wanted to make a comment. Next document. Yep. Did that No. work? Next documents. What's this? It says now. It's so this is clicking through, like, all the next documents. Mhmm. It's got hub hub 24 menu switch form. Mhmm. Yes. That is the the form to then change the product Yep. from that choice to core. Yep. There's already a pre filled to make Yep. it nice and Call easy menu. for you. Yep. Yep. Yep. Okay. This one didn't seem like seven. Next. Validate and send. Yep. And part of the document as well, it won't get you to add a signature on them. But if you wanted to go back and have a look later, it's all saved in your account. Yep. But it's also all the product disclosure statement. So, basically, Mhmm. all the everything that you need to know about hub twenty four, and there's a lot of information about the SMA as well. They're they're quite long and lengthy. Yep. But everything is there for you if it is that you ever wanted to go back and have a look at it. If for some reason you can't access it, just let me know because we always have a copy on file for everything, and I'm more than happy Yep. to email that through to you as Yep. well. Yep. No worries.","start_word":2643,"end_word":3096,"sentiment":"neutral","sentiment_score":0.0693246890926151},{"text":"Fantastic. That should all be done. Yeah. I can see that that just came through on my end, Matthew, which is great. So I will let the team know that we'll go ahead and make this switch for you, Yep. and you should then be able to see that in your hub twenty four account and all those investments as well, which is great.","start_word":3097,"end_word":3160,"sentiment":"positive","sentiment_score":0.5940463542938232},{"text":"If there is anything else, though, that you need at any point in time, it doesn't have to be under review time, just send Yep. me an email or give us a call, and we can always book you in for a catch up whenever you want to as well. No worries at all. Yep.","start_word":3161,"end_word":3215,"sentiment":"neutral","sentiment_score":0.2271881103515625},{"text":"Beautiful.","start_word":3216,"end_word":3216,"sentiment":"positive","sentiment_score":0.6886054277420044},{"text":"Do you have any questions for me before I let you go and enjoy the rest of your evening? No. Everything No? sounds pretty straightforward. Yep.","start_word":3217,"end_word":3242,"sentiment":"neutral","sentiment_score":0.1124480664730072},{"text":"Beautiful. Well, thank you so much for your time this afternoon, Matthew, and I hope you enjoy the rest of your night. No worries. You have a lovely evening.","start_word":3243,"end_word":3271,"sentiment":"positive","sentiment_score":0.7273085117340088},{"text":"Mhmm. Mhmm.","start_word":3272,"end_word":3273,"sentiment":"neutral","sentiment_score":0.12228721380233765},{"text":"Thank you.","start_word":3274,"end_word":3275,"sentiment":"positive","sentiment_score":0.5160386562347412},{"text":"We'll speak soon. Alright. Bye Bye. bye.","start_word":3276,"end_word":3282,"sentiment":"neutral","sentiment_score":0.18659493327140808}],"average":{"sentiment":"neutral","sentiment_score":0.16426347734236357}}}}