{"metadata":{"transaction_key":"deprecated","request_id":"019fcb04-d6b5-71b2-9d55-2d8f4a3668f9","sha256":"b3ad692b61b556820be0d4be7108875194d4fd610f406b955f13d427b32a8773","created":"2026-08-04T04:25:22.589Z","duration":1149.84,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":4665,"output_tokens":76},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5064,"output_tokens":5074},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5064,"output_tokens":330}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Deborah. This is Zena from Oakey Financial. How are you this afternoon? I'm very well. Thank you. Thanks for asking. I just had you posted to go through your updated statement of advice. Is now still a good time there for you? Fantastic. I'm just gonna send this one through to you via email. Are you able to access your emails there at all? That's okay. If you can, it's honestly fine. That's okay. That's okay. Yep. Not a problem. I've emailed that one through to you, so it should come through from. Hopefully, fairly quickly, they're for you as well. All good. And just all that is coming through, Deborah, just to let you know, we do record our calls for quality and training purposes. Moving forward, are you comfortable with that? Fantastic. Yes. That's the one. Yep. If you press on that button, it'll take you through so you can see the statement of advice, and it should let you scroll up and down there as well. Is it working okay for you? Yep. Beautiful. Lovely. I just need to do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file for you. Your address. Sorry. Lovely. Thank you so much for that. So this document here on the front page, Deborah, will have prepared for yourself as of the 08/03/2026. Essentially, our documents are valid for sixty days from the date on the document there, so we try to date them as close to your presentation date as possible to give you that length of time to review the document. Okay? On the bottom of the front page, it has prepared by myself here and my beautiful team. I'm an authorized representative of Ophi Financial, and my authorized representative number registered with ASIC is 1304394. Okay. Excellent. This document here was looking at updating your portfolio and your super debt. So you originally had a goal of wanting to hopefully retire by the age of 65, and in those retirement years, drawing down an income of about $1,200 per week. Does that goal still sound appropriate to you? Yep. Fantastic. We have a scoped in the superannuation end of the portfolio there. So we have sort of when we spoke to you last noted there could be some changes to make to your portfolio. You've got your Aware Super, which we do need to retain to keep your insurance in place. But we wanted to review both the Aware Super and your current portfolio within Hub twenty four to make sure it was still appropriate for you, that it was working harder. When I did kinda go back and review things, I had noticed there was some underperforming investments that I wanted to look at replacing for you. So I've got an updated portfolio for you to go through. Okay? That's okay. If I can get you to scroll down for me just to page number eight. This is just sort of having a look at your assets and liabilities there. This is what we had noted when we last called up. Is there any changes you would like to have us make in the back end or anything different we might need to add now at all for you? That that's okay. That's not a problem at all. And then the next page outlines your current super balance there. So within hub twenty four at the moment, you've got a 161,240 and 65¢. In Aware Super, the current balance is showing $39,411.95 there, and you've got your insurances in place. There's some license and TPD. It is only a very small amount of cover at the moment. However, it's worth retaining to give you a level of cover that isn't available elsewhere Okay? Excellent. To make things easier, I will let you go back and have a really good read of the document. We do outline the strategy nice and easily for you, but so as I'm not taking up too much of your time, I'll direct you to the pages that I need to go through with you, give you the information required, and then you get to go back and have a bit of a look at it in your own time there as well. Okay? Beautiful. If I can get you to scroll down to page number 17 there for me, I'll go through the the bulk of the recommendations and show you the changes I'd like to make. Excellent. This is a big comparison table there. So as I kinda went through, I did have a look at your super as well as the underlying investments within Hub twenty four and Aware Super. I am recommending we retain both those funds. Aware Super holds the insurances which are appropriate, and it's important to hold those for the time being. We'll keep reviewing those with you. So when and if those insurances are no longer valid, you don't feel the need to keep them any longer, then we can look at other strategies to consolidate and move forward there for you as well. Okay? Well, hub twenty four, I did have a look at other platforms as well. However, just like yourself, there's a tax return every year, so does your super fund. I did look at the the CDT implications of moving to any other super fund out there. You have had some really good growth over the past couple of years. So the CDT for selling the portfolio completely down and moving the funds out was gonna be a lot higher. So I looked at hub twenty four compared that as a fund. It is still appropriate, and it does have a wide range of investments for us to be able to make switches within the funds so that you're still your sleep is working as hard as possible for you, but that you're not having to have huge tax consequences within the super fund there as well. Okay? So at the moment between the funds, you do have your administration fees, investment fees, any other fees applicable. The ongoing service fee fee is coming out of hub twenty four for us to look after your sleep and monitor everything and provide ongoing advice to support you towards retirement and into those retirement years there as well. Contributions are going into aware and wanna keep those in aware because that's a secondary measure for making sure your insurances stay in place for you. And then your insurance premium, only a minor cost coming out of your aware super as well. When we have a bit of a look at the last five years and the performance of the current fund that you're in between Hub twenty four and Aware, it's averaged about a 8.34% return, which isn't bad in any way, shape, or form. But as you get closer to the time, we wanna make sure things continue to work harder. So investments that were great three, four, or five years down the track do need to be updated on a regular basis. So as times change, and this year with how the markets have been reacting between everything that's been going on, it has been a really good chance to update things for you. Okay? I'll take you through the changes I'm going to make, but, essentially, with the newer portfolio, it's actually had a much higher rate of return. So it's still not growth environment giving you the eighty twenty split, but the newer portfolio has seen a 10.72 return. So that newer portfolio I'd like to put you in has seen a greater past performance, which is which is much better, can put you in a much greater position moving forward. And the CGT cost for making the switch of investments is only estimated to be $950. So a very small cost to your super fund to be able to alter those investments in the back end. Okay. Excellent. When we look at the administration fees and and fees, I'm recommending you retain both hub 24 and the Aware Super. However, I am recommending that we do roll some money out of Aware and into hub twenty four. We wanna leave 10,000 behind, keep your contributions going in there to maintain your insurance premiums, and then every year be rolling a bit of money in the hub twenty four to make sure more funds are continuously being rolled in over into the portfolio working harder for you long term. Because we are recommending more money move into hub twenty four, we do know the administration fees are expected to be slightly higher, about $62 for the expected to be slightly higher, about $62 for the first year. However, with the newer, investment portfolio, you're actually saving on, investment fees. And it shows to the first year, we expect you to to save about $464 in investment fees, which is a great saving to start with. It's more money staying in your super working harder for you. Mhmm. Underneath that, so that's essentially the the major changes and the reason behind the changes and why the research around that. If you can scroll down there for me to page number 19, this is a sense of the investment changes that we are making. Yeah. Absolutely. Yes. Which fee are you talking about? I'm sorry. The the the CGT plus? Yeah. The the capital gains cost is $950, and that's all dealt within the fund. So your super fund does tax returns every year the exact same way you do. Your fund does a separate one, and the super fund will account for the $950. It's the at the most, we could minimize the CGT cost while making sure the performance and the and the funds were working harder for you as well. Yeah. That's okay. Is there any other questions? Please feel free to let me know. No. That's okay. Perfect. Down to page number 19 there for me. Beautiful. So these are essentially the changes that we are wanting to make. So having a look at your portfolio, we did note that the Ben along Australian Equities, which is this the second investment down, the first one under the hub twenty four line, that's one of the investments that has been underperforming heavily at this year. So we have decided to remove that completely from your portfolio. We are also looking to make some additional changes there. So to make it a bit easier, anything with the red and the negative, that's what we're gonna be selling down. So we'll be removing the Ben along Australian Equities, the battery and lithium tech. Bank hybrids are being removed now because they're actually being phased out as an investment class down the track by the government. So we wanna simplify things. And once we are making changes now, we may as well remove them and replace them rather than having to hold on. And then when the government makes those changes and tells us we have to make changes, then we would have to do it quickly. So moving it all now, making a big change works out to your benefit now. With the this yeah. Physical Gold has done really well within your portfolio. We wanna hold about 10 percent of that. You've got about 7.95% now, so we're gonna buy some more physical gold there for you. With the Vadis shares cybersecurity, we only wanna hold about 5%. So we're rebalancing that one back a little bit down from 8.45%. So just selling off a little bit of it. Defensive investments are low risk defensive investments like cash, bonds, and fixed interest. We wanna hold anywhere between sort of 10 to 20% in your portfolio there. So these are things like core composite bonds. So we do wanna hold some of those. You've got about 8.49%. At the moment, we wanna increase that exposure to 14% as you're a little bit underexposed in the defensive side of things currently. Okay? The s and p 500, you've got about 29.14% at the moment. Just increasing that exposure to 30% to buying a little bit more. I know there has been a lot of ups and downs with what's been happening with The US, but it is still a really good place to be invested. It has seen good returns. And, yes, it's been up and down, but the market is still performing quite well. So we still wanna be invested in those sorts of areas. We are gonna remove off the VanEck Australian property investment. Selling that down has seen a bit of a pullback and hasn't really been performing the way we would like it to be, And we're altering your Australian exposure. So by removing Bannalong, we're also removing the Rafi 200. And instead of holding those two investments, we're gonna hold the a 200, which is on the next page at the very top there. By removing both of these, we're putting you into the top 200 companies on the ASX still giving you Australian exposure, but it is a lower cost way. It's tracking the top 200 index, and it's actually giving you greater diversification there as well. So this investment has proven much better. It's a much low cost, which means it's more money invested in your super working harder for you and has shown greater past performance than holding the other two investments. So we wanted to do a bit of a rejig for you, make sure we can simplify things a little bit, but also save you some money in the long run. Okay? Excellent. And then back on the last page again, they're just also investing in some Europe and some Japanese exposure, and then we've included the Vanguard all WorldX US investments. This is giving you exposure to the entire globe minus The US, and that's because we have exposure to the S and P 500 above there. So all in all, this portfolio has shown greater past performance, is much cheaper than your current portfolio, and it's also giving you greater diversification. And one of the ways that we look to mitigate market risk is to diversify as much as possible. As you are getting older and closer to retirement, making sure that we can mitigate what risk we possibly can, have your super working harder, lowering fees where we can as well, and making sure to update and, you know, as I said, diversify your portfolio as much as possible is gonna help to put you in a much greater position moving forward. Okay? Beautiful. It is a lot, and I'm so sorry. I try to make it as easy as possible. But just feel free to run your eyes over that as well. Above those sections where duties. So just sort of relating it back to your goals and making sure that everything is working harder for you. The advantages here are it is a lower cost portfolio, greater diversification, which is important, has shown a greater past performance, which is important as well. Rolling money out of aware into hub twenty four means that you've got more money invested in the portfolio working harder. The hub twenty four portfolio has performed greater than the aware portfolio over longer terms. We wanna sure money is being rolled over collectively, but still retaining Aware for you to make sure that, you know, you you sorry. You do have that level of cover. I did check the investments within Aware. There's no need to change those currently when we look at the two portfolios as a whole. The funds in Aware do complement the hub twenty four portfolio nicely, so it's about making sure that we need only move what we have to to limit the the the cost of transferring funds for you. Excellent. But please feel free to have a read to the document. We've outlined the advantages and disadvantages of risks involved. I go through a few of them for you, but I do like you to go back and have a read. Let me know if there's any questions. A lot of what I'm going through when you're looking at it, it's a lot, and I get that. So having some time to go back and read the document in your own time is real beneficial as well. You have your beneficiaries in place, and you are comfortable with those as they were. But I've also just made a slight recommendation in here to make sure you do have your will and power of attorney set up. So the other side of the estate planning is making sure that you do have a will, a power of attorney to protect you in the event that something was to happen. Your life insurance and your super beneficiaries cover those aspects. But having a will in place covers everything else that you've worked hard for, your car, your contents, your savings accounts, all your assets, all the things you may not see as important, realistically, still have to be sold off and could could equate to quite a bit of money that would need to be passed on to your family, or they could be some family heirlooms or something of importance that means something to members of your family that you might wanna have passed down or requested to someone important. So having that will done up is really important to do so by a legal a solicitor can do one very simply if you have one close to you. Alternatively, a lot of the states do have, like, the state trustees. You can contact them, and they can do bills up a lot cheaper for you if it's less complex. I have got clients who who've pre preferred, sorry, to just go to the post office and get a will kit as well. And as long as it's filled out as per the directions on the the wheel kit itself, it can be completely fine. Obviously, not having a wheel done by a solicitor can mean it is contestable. Most wheels all wheels are always contestable, but having something done by a solicitor does mean whilst the cost is higher, it is less likely to be contested in you know, your wishes are more likely to be adhered to and followed directions followed through nicely for you. And then with with just the power of attorney, making sure that you've directed that there's a direction for someone to act in your best interest, whether it be medically or financially in the event that you're unable to do so for yourself. So we like to just make sure we update those areas and that those things are updated and thought about. It's not the best conversation to have, but it's definitely an important one to sort of think about what how would I want people to act on my behalf and what do I want to happen to everything I've worked so hard for. So yeah. Excellent. Excellent. The only other thing to sorta note in there is that we've got the ongoing service agreement in here. There's no upfront or implementation fees for the advice. That's all part of the services we provide to you. You do pay an ongoing service fee of 1.65% per annum, which is deducted on a monthly basis, and small income is from your super for our services and updating the advice. So that is all reflected into the projection table and the outcome side of things for you. And we do have the updated ongoing service agreement attached to the the order sign for you. So if you're happy to go ahead with the recommendations and remain a client, we'll just ask you to sign and return those documents back to me. If you like if you do like reading, what everyone does, I have also attached the appendices for you and the product disclosure statements attached for hub twenty four and the investment side of things. So you are welcome to have a look through any of those documents, have a bit of a read up on the products themselves as well. Okay? Excellent. That's okay. The last thing to make mention is it looks like your ID has expired on file. We will need to update your ID. So I'll just get my colleague Samantha to send you a message, if that's okay, just by our office phone, and she'll just request an update of your ID there as well. But do you have any questions for me at the moment? Sorry. Thanks. Perfect. Lovely. Perfect. Thank you very much, Deborah. I will let you go. I appreciate you taking my phone call. I hope you have a lovely afternoon, and let me know if there's any questions that come from any of any part of that document. Okay? No worries. You enjoy your day. Thank you so much. See you later. 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This is Zena from Oakey Financial. How are you this afternoon? I'm very well. Thank you.\n\nThanks for asking. I just had you posted to go through your updated statement of advice. Is now still a good time there for you? Fantastic. I'm just gonna send this one through to you via email.\n\nAre you able to access your emails there at all? That's okay. If you can, it's honestly fine. That's okay. That's okay.\n\nYep. Not a problem. I've emailed that one through to you, so it should come through from. Hopefully, fairly quickly, they're for you as well. All good.\n\nAnd just all that is coming through, Deborah, just to let you know, we do record our calls for quality and training purposes. Moving forward, are you comfortable with that? Fantastic. Yes. That's the one.\n\nYep. If you press on that button, it'll take you through so you can see the statement of advice, and it should let you scroll up and down there as well. Is it working okay for you? Yep. Beautiful.\n\nLovely. I just need to do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file for you. Your address. Sorry. Lovely.\n\nThank you so much for that. So this document here on the front page, Deborah, will have prepared for yourself as of the 08/03/2026. Essentially, our documents are valid for sixty days from the date on the document there, so we try to date them as close to your presentation date as possible to give you that length of time to review the document. Okay? On the bottom of the front page, it has prepared by myself here and my beautiful team.\n\nI'm an authorized representative of Ophi Financial, and my authorized representative number registered with ASIC is 1304394. Okay. Excellent. This document here was looking at updating your portfolio and your super debt. So you originally had a goal of wanting to hopefully retire by the age of 65, and in those retirement years, drawing down an income of about $1,200 per week.\n\nDoes that goal still sound appropriate to you? Yep. Fantastic. We have a scoped in the superannuation end of the portfolio there. So we have sort of when we spoke to you last noted there could be some changes to make to your portfolio.\n\nYou've got your Aware Super, which we do need to retain to keep your insurance in place. But we wanted to review both the Aware Super and your current portfolio within Hub twenty four to make sure it was still appropriate for you, that it was working harder. When I did kinda go back and review things, I had noticed there was some underperforming investments that I wanted to look at replacing for you. So I've got an updated portfolio for you to go through. Okay?\n\nThat's okay. If I can get you to scroll down for me just to page number eight. This is just sort of having a look at your assets and liabilities there. This is what we had noted when we last called up. Is there any changes you would like to have us make in the back end or anything different we might need to add now at all for you?\n\nThat that's okay. That's not a problem at all. And then the next page outlines your current super balance there. So within hub twenty four at the moment, you've got a 161,240 and 65¢. In Aware Super, the current balance is showing $39,411.95 there, and you've got your insurances in place.\n\nThere's some license and TPD. It is only a very small amount of cover at the moment. However, it's worth retaining to give you a level of cover that isn't available elsewhere Okay? Excellent. To make things easier, I will let you go back and have a really good read of the document.\n\nWe do outline the strategy nice and easily for you, but so as I'm not taking up too much of your time, I'll direct you to the pages that I need to go through with you, give you the information required, and then you get to go back and have a bit of a look at it in your own time there as well. Okay? Beautiful. If I can get you to scroll down to page number 17 there for me, I'll go through the the bulk of the recommendations and show you the changes I'd like to make. Excellent.\n\nThis is a big comparison table there. So as I kinda went through, I did have a look at your super as well as the underlying investments within Hub twenty four and Aware Super. I am recommending we retain both those funds. Aware Super holds the insurances which are appropriate, and it's important to hold those for the time being. We'll keep reviewing those with you.\n\nSo when and if those insurances are no longer valid, you don't feel the need to keep them any longer, then we can look at other strategies to consolidate and move forward there for you as well. Okay? Well, hub twenty four, I did have a look at other platforms as well. However, just like yourself, there's a tax return every year, so does your super fund. I did look at the the CDT implications of moving to any other super fund out there.\n\nYou have had some really good growth over the past couple of years. So the CDT for selling the portfolio completely down and moving the funds out was gonna be a lot higher. So I looked at hub twenty four compared that as a fund. It is still appropriate, and it does have a wide range of investments for us to be able to make switches within the funds so that you're still your sleep is working as hard as possible for you, but that you're not having to have huge tax consequences within the super fund there as well. Okay?\n\nSo at the moment between the funds, you do have your administration fees, investment fees, any other fees applicable. The ongoing service fee fee is coming out of hub twenty four for us to look after your sleep and monitor everything and provide ongoing advice to support you towards retirement and into those retirement years there as well. Contributions are going into aware and wanna keep those in aware because that's a secondary measure for making sure your insurances stay in place for you. And then your insurance premium, only a minor cost coming out of your aware super as well. When we have a bit of a look at the last five years and the performance of the current fund that you're in between Hub twenty four and Aware, it's averaged about a 8.34% return, which isn't bad in any way, shape, or form.\n\nBut as you get closer to the time, we wanna make sure things continue to work harder. So investments that were great three, four, or five years down the track do need to be updated on a regular basis. So as times change, and this year with how the markets have been reacting between everything that's been going on, it has been a really good chance to update things for you. Okay? I'll take you through the changes I'm going to make, but, essentially, with the newer portfolio, it's actually had a much higher rate of return.\n\nSo it's still not growth environment giving you the eighty twenty split, but the newer portfolio has seen a 10.72 return. So that newer portfolio I'd like to put you in has seen a greater past performance, which is which is much better, can put you in a much greater position moving forward. And the CGT cost for making the switch of investments is only estimated to be $950. So a very small cost to your super fund to be able to alter those investments in the back end. Okay.\n\nExcellent. When we look at the administration fees and and fees, I'm recommending you retain both hub 24 and the Aware Super. However, I am recommending that we do roll some money out of Aware and into hub twenty four. We wanna leave 10,000 behind, keep your contributions going in there to maintain your insurance premiums, and then every year be rolling a bit of money in the hub twenty four to make sure more funds are continuously being rolled in over into the portfolio working harder for you long term. Because we are recommending more money move into hub twenty four, we do know the administration fees are expected to be slightly higher, about $62 for the expected to be slightly higher, about $62 for the first year.\n\nHowever, with the newer, investment portfolio, you're actually saving on, investment fees. And it shows to the first year, we expect you to to save about $464 in investment fees, which is a great saving to start with. It's more money staying in your super working harder for you. Mhmm. Underneath that, so that's essentially the the major changes and the reason behind the changes and why the research around that.\n\nIf you can scroll down there for me to page number 19, this is a sense of the investment changes that we are making. Yeah. Absolutely. Yes. Which fee are you talking about?\n\nI'm sorry. The the the CGT plus? Yeah. The the capital gains cost is $950, and that's all dealt within the fund. So your super fund does tax returns every year the exact same way you do.\n\nYour fund does a separate one, and the super fund will account for the $950. It's the at the most, we could minimize the CGT cost while making sure the performance and the and the funds were working harder for you as well. Yeah. That's okay. Is there any other questions?\n\nPlease feel free to let me know. No. That's okay. Perfect. Down to page number 19 there for me.\n\nBeautiful. So these are essentially the changes that we are wanting to make. So having a look at your portfolio, we did note that the Ben along Australian Equities, which is this the second investment down, the first one under the hub twenty four line, that's one of the investments that has been underperforming heavily at this year. So we have decided to remove that completely from your portfolio. We are also looking to make some additional changes there.\n\nSo to make it a bit easier, anything with the red and the negative, that's what we're gonna be selling down. So we'll be removing the Ben along Australian Equities, the battery and lithium tech. Bank hybrids are being removed now because they're actually being phased out as an investment class down the track by the government. So we wanna simplify things. And once we are making changes now, we may as well remove them and replace them rather than having to hold on.\n\nAnd then when the government makes those changes and tells us we have to make changes, then we would have to do it quickly. So moving it all now, making a big change works out to your benefit now. With the this yeah. Physical Gold has done really well within your portfolio. We wanna hold about 10 percent of that.\n\nYou've got about 7.95% now, so we're gonna buy some more physical gold there for you. With the Vadis shares cybersecurity, we only wanna hold about 5%. So we're rebalancing that one back a little bit down from 8.45%. So just selling off a little bit of it. Defensive investments are low risk defensive investments like cash, bonds, and fixed interest.\n\nWe wanna hold anywhere between sort of 10 to 20% in your portfolio there. So these are things like core composite bonds. So we do wanna hold some of those. You've got about 8.49%. At the moment, we wanna increase that exposure to 14% as you're a little bit underexposed in the defensive side of things currently.\n\nOkay? The s and p 500, you've got about 29.14% at the moment. Just increasing that exposure to 30% to buying a little bit more. I know there has been a lot of ups and downs with what's been happening with The US, but it is still a really good place to be invested. It has seen good returns.\n\nAnd, yes, it's been up and down, but the market is still performing quite well. So we still wanna be invested in those sorts of areas. We are gonna remove off the VanEck Australian property investment. Selling that down has seen a bit of a pullback and hasn't really been performing the way we would like it to be, And we're altering your Australian exposure. So by removing Bannalong, we're also removing the Rafi 200.\n\nAnd instead of holding those two investments, we're gonna hold the a 200, which is on the next page at the very top there. By removing both of these, we're putting you into the top 200 companies on the ASX still giving you Australian exposure, but it is a lower cost way. It's tracking the top 200 index, and it's actually giving you greater diversification there as well. So this investment has proven much better. It's a much low cost, which means it's more money invested in your super working harder for you and has shown greater past performance than holding the other two investments.\n\nSo we wanted to do a bit of a rejig for you, make sure we can simplify things a little bit, but also save you some money in the long run. Okay? Excellent. And then back on the last page again, they're just also investing in some Europe and some Japanese exposure, and then we've included the Vanguard all WorldX US investments. This is giving you exposure to the entire globe minus The US, and that's because we have exposure to the S and P 500 above there.\n\nSo all in all, this portfolio has shown greater past performance, is much cheaper than your current portfolio, and it's also giving you greater diversification. And one of the ways that we look to mitigate market risk is to diversify as much as possible. As you are getting older and closer to retirement, making sure that we can mitigate what risk we possibly can, have your super working harder, lowering fees where we can as well, and making sure to update and, you know, as I said, diversify your portfolio as much as possible is gonna help to put you in a much greater position moving forward. Okay? Beautiful.\n\nIt is a lot, and I'm so sorry. I try to make it as easy as possible. But just feel free to run your eyes over that as well. Above those sections where duties. So just sort of relating it back to your goals and making sure that everything is working harder for you.\n\nThe advantages here are it is a lower cost portfolio, greater diversification, which is important, has shown a greater past performance, which is important as well. Rolling money out of aware into hub twenty four means that you've got more money invested in the portfolio working harder. The hub twenty four portfolio has performed greater than the aware portfolio over longer terms. We wanna sure money is being rolled over collectively, but still retaining Aware for you to make sure that, you know, you you sorry. You do have that level of cover.\n\nI did check the investments within Aware. There's no need to change those currently when we look at the two portfolios as a whole. The funds in Aware do complement the hub twenty four portfolio nicely, so it's about making sure that we need only move what we have to to limit the the the cost of transferring funds for you. Excellent. But please feel free to have a read to the document.\n\nWe've outlined the advantages and disadvantages of risks involved. I go through a few of them for you, but I do like you to go back and have a read. Let me know if there's any questions. A lot of what I'm going through when you're looking at it, it's a lot, and I get that. So having some time to go back and read the document in your own time is real beneficial as well.\n\nYou have your beneficiaries in place, and you are comfortable with those as they were. But I've also just made a slight recommendation in here to make sure you do have your will and power of attorney set up. So the other side of the estate planning is making sure that you do have a will, a power of attorney to protect you in the event that something was to happen. Your life insurance and your super beneficiaries cover those aspects. But having a will in place covers everything else that you've worked hard for, your car, your contents, your savings accounts, all your assets, all the things you may not see as important, realistically, still have to be sold off and could could equate to quite a bit of money that would need to be passed on to your family, or they could be some family heirlooms or something of importance that means something to members of your family that you might wanna have passed down or requested to someone important.\n\nSo having that will done up is really important to do so by a legal a solicitor can do one very simply if you have one close to you. Alternatively, a lot of the states do have, like, the state trustees. You can contact them, and they can do bills up a lot cheaper for you if it's less complex. I have got clients who who've pre preferred, sorry, to just go to the post office and get a will kit as well. And as long as it's filled out as per the directions on the the wheel kit itself, it can be completely fine.\n\nObviously, not having a wheel done by a solicitor can mean it is contestable. Most wheels all wheels are always contestable, but having something done by a solicitor does mean whilst the cost is higher, it is less likely to be contested in you know, your wishes are more likely to be adhered to and followed directions followed through nicely for you. And then with with just the power of attorney, making sure that you've directed that there's a direction for someone to act in your best interest, whether it be medically or financially in the event that you're unable to do so for yourself. So we like to just make sure we update those areas and that those things are updated and thought about. It's not the best conversation to have, but it's definitely an important one to sort of think about what how would I want people to act on my behalf and what do I want to happen to everything I've worked so hard for.\n\nSo yeah. Excellent. Excellent. The only other thing to sorta note in there is that we've got the ongoing service agreement in here. There's no upfront or implementation fees for the advice.\n\nThat's all part of the services we provide to you. You do pay an ongoing service fee of 1.65% per annum, which is deducted on a monthly basis, and small income is from your super for our services and updating the advice. So that is all reflected into the projection table and the outcome side of things for you. And we do have the updated ongoing service agreement attached to the the order sign for you. So if you're happy to go ahead with the recommendations and remain a client, we'll just ask you to sign and return those documents back to me.\n\nIf you like if you do like reading, what everyone does, I have also attached the appendices for you and the product disclosure statements attached for hub twenty four and the investment side of things. So you are welcome to have a look through any of those documents, have a bit of a read up on the products themselves as well. Okay? Excellent. That's okay.\n\nThe last thing to make mention is it looks like your ID has expired on file. We will need to update your ID. So I'll just get my colleague Samantha to send you a message, if that's okay, just by our office phone, and she'll just request an update of your ID there as well. But do you have any questions for me at the moment? Sorry.\n\nThanks. Perfect. Lovely. Perfect. Thank you very much, Deborah.\n\nI will let you go. I appreciate you taking my phone call. I hope you have a lovely afternoon, and let me know if there's any questions that come from any of any part of that document. Okay? No worries.\n\nYou enjoy your day. Thank you so much. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Deborah.","start":2.96,"end":3.52,"sentiment":"neutral","sentiment_score":0.1272384226322174},{"text":"This is Zena from Oakey Financial.","start":3.52,"end":5.2,"sentiment":"neutral","sentiment_score":0.20226598406831423},{"text":"How are you this afternoon?","start":5.2,"end":6.42,"sentiment":"neutral","sentiment_score":0.17943386733531952},{"text":"I'm very well.","start":8.72,"end":9.599999,"sentiment":"positive","sentiment_score":0.6068082253138224},{"text":"Thank you.","start":9.599999,"end":9.92,"sentiment":"positive","sentiment_score":0.6900826990604401}],"sentiment":"neutral","sentiment_score":0.30921289780073696,"num_words":18,"start":2.96,"end":9.92},{"sentences":[{"text":"Thanks for asking.","start":9.92,"end":10.8,"sentiment":"positive","sentiment_score":0.6756362120310465},{"text":"I just had you posted to go through your updated statement of advice.","start":10.8,"end":13.759999,"sentiment":"positive","sentiment_score":0.3346648823756438},{"text":"Is now still a good time there for you?","start":13.759999,"end":15.525,"sentiment":"neutral","sentiment_score":0.3206505841679043},{"text":"Fantastic.","start":18.085,"end":18.585,"sentiment":"positive","sentiment_score":0.687619686126709},{"text":"I'm just gonna send this one through to you via email.","start":19.205,"end":21.285,"sentiment":"positive","sentiment_score":0.34760763157497754}],"sentiment":"positive","sentiment_score":0.37228948643078674,"num_words":37,"start":9.92,"end":21.285},{"sentences":[{"text":"Are you able to access your emails there at all?","start":21.285,"end":24.105,"sentiment":"neutral","sentiment_score":0.12304827272891998},{"text":"That's okay.","start":27.925,"end":28.485,"sentiment":"neutral","sentiment_score":0.15336215496063232},{"text":"If you can, it's honestly fine.","start":28.485,"end":30.265,"sentiment":"neutral","sentiment_score":0.2122910668452581},{"text":"That's okay.","start":31.65,"end":32.87,"sentiment":"neutral","sentiment_score":0.20830213278532028},{"text":"That's okay.","start":34.13,"end":34.95,"sentiment":"neutral","sentiment_score":0.1796354204416275}],"sentiment":"neutral","sentiment_score":0.16303766112435947,"num_words":22,"start":21.285,"end":34.95},{"sentences":[{"text":"Yep.","start":35.81,"end":36.21,"sentiment":"neutral","sentiment_score":0.13342468440532684},{"text":"Not a problem.","start":36.21,"end":36.85,"sentiment":"neutral","sentiment_score":0.2173770616451899},{"text":"I've emailed that one through to you, so it should come through from.","start":36.85,"end":39.67,"sentiment":"neutral","sentiment_score":0.22625417090379274},{"text":"Hopefully, fairly quickly, they're for you as well.","start":40.61,"end":43.35,"sentiment":"neutral","sentiment_score":0.30762419290840626},{"text":"All good.","start":44.955,"end":45.355,"sentiment":"neutral","sentiment_score":0.3077932894229889}],"sentiment":"neutral","sentiment_score":0.2519792671556826,"num_words":27,"start":35.81,"end":45.355},{"sentences":[{"text":"And just all that is coming through, Deborah, just to let you know, we do record our calls for quality and training purposes.","start":45.355,"end":50.155,"sentiment":"neutral","sentiment_score":0.1739481175723283},{"text":"Moving forward, are you comfortable with that?","start":50.155,"end":52.015,"sentiment":"neutral","sentiment_score":0.11396975708859307},{"text":"Fantastic.","start":54.075,"end":54.575,"sentiment":"positive","sentiment_score":0.34631645679473877},{"text":"Yes.","start":55.835,"end":56.335,"sentiment":"neutral","sentiment_score":0.07508637011051178},{"text":"That's the one.","start":58.910004,"end":59.63,"sentiment":"neutral","sentiment_score":0.09994062532981236}],"sentiment":"neutral","sentiment_score":0.15770913447652543,"num_words":35,"start":45.355,"end":59.63},{"sentences":[{"text":"Yep.","start":59.63,"end":59.95,"sentiment":"neutral","sentiment_score":0.10421838611364365},{"text":"If you press on that button, it'll take you through so you can see the statement of advice, and it should let you scroll up and down there as well.","start":59.95,"end":66.450005,"sentiment":"neutral","sentiment_score":0.1322829673687617},{"text":"Is it working okay for you?","start":71.71,"end":73.815,"sentiment":"neutral","sentiment_score":0.145152498036623},{"text":"Yep.","start":74.515,"end":75.015,"sentiment":"neutral","sentiment_score":0.14591751992702484},{"text":"Beautiful.","start":75.075,"end":75.575,"sentiment":"positive","sentiment_score":0.4382869005203247}],"sentiment":"neutral","sentiment_score":0.1417391491241944,"num_words":39,"start":59.63,"end":75.575},{"sentences":[{"text":"Lovely.","start":75.635,"end":75.955,"sentiment":"positive","sentiment_score":0.3554077744483948},{"text":"I just need to do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file for you.","start":75.955,"end":82.375,"sentiment":"neutral","sentiment_score":0.12319394404237921},{"text":"Your address.","start":88.43,"end":89.23,"sentiment":"neutral","sentiment_score":-0.0005286801606416702},{"text":"Sorry.","start":89.23,"end":89.73,"sentiment":"neutral","sentiment_score":-0.0010029319673776629},{"text":"Lovely.","start":92.67,"end":93.15,"sentiment":"positive","sentiment_score":0.3422240912914276}],"sentiment":"neutral","sentiment_score":0.1252887296539388,"num_words":38,"start":75.635,"end":93.15},{"sentences":[{"text":"Thank you so much for that.","start":93.15,"end":94.85,"sentiment":"positive","sentiment_score":0.5106257100900015},{"text":"So this document here on the front page, Deborah, will have prepared for yourself as of the 08/03/2026.","start":95.23,"end":101.345,"sentiment":"neutral","sentiment_score":0.22588739958074358},{"text":"Essentially, our documents are valid for sixty days from the date on the document there, so we try to date them as close to your presentation date as possible to give you that length of time to review the document.","start":101.965,"end":111.265,"sentiment":"neutral","sentiment_score":0.027954230131581426},{"text":"Okay?","start":111.485,"end":111.985,"sentiment":"neutral","sentiment_score":0.05162110924720764},{"text":"On the bottom of the front page, it has prepared by myself here and my beautiful team.","start":112.82,"end":116.58,"sentiment":"neutral","sentiment_score":0.24074287624920115}],"sentiment":"neutral","sentiment_score":0.1511237398017107,"num_words":82,"start":93.15,"end":116.58},{"sentences":[{"text":"I'm an authorized representative of Ophi Financial, and my authorized representative number registered with ASIC is 1304394.","start":116.58,"end":124.42,"sentiment":"neutral","sentiment_score":0.12357927771175609},{"text":"Okay.","start":124.42,"end":124.875,"sentiment":"neutral","sentiment_score":0.0973423272371292},{"text":"Excellent.","start":125.835,"end":126.335,"sentiment":"positive","sentiment_score":0.52320796251297},{"text":"This document here was looking at updating your portfolio and your super debt.","start":126.875,"end":130.955,"sentiment":"neutral","sentiment_score":0.27176680243932283},{"text":"So you originally had a goal of wanting to hopefully retire by the age of 65, and in those retirement years, drawing down an income of about $1,200 per week.","start":130.955,"end":141.0,"sentiment":"neutral","sentiment_score":0.14835606689254444}],"sentiment":"neutral","sentiment_score":0.17266207176350779,"num_words":62,"start":116.58,"end":141.0},{"sentences":[{"text":"Does that goal still sound appropriate to you?","start":141.0,"end":143.73999,"sentiment":"neutral","sentiment_score":0.1619911640882492},{"text":"Yep.","start":145.56,"end":146.04,"sentiment":"neutral","sentiment_score":0.2632749080657959},{"text":"Fantastic.","start":146.04,"end":146.54,"sentiment":"positive","sentiment_score":0.5593088865280151},{"text":"We have a scoped in the superannuation end of the portfolio there.","start":148.04,"end":151.72,"sentiment":"neutral","sentiment_score":0.22882431435088316},{"text":"So we have sort of when we spoke to you last noted there could be some changes to make to your portfolio.","start":151.72,"end":156.525,"sentiment":"neutral","sentiment_score":0.11221778663721951}],"sentiment":"neutral","sentiment_score":0.1666635496711189,"num_words":44,"start":141.0,"end":156.525},{"sentences":[{"text":"You've got your Aware Super, which we do need to retain to keep your insurance in place.","start":156.905,"end":161.565,"sentiment":"neutral","sentiment_score":0.09363907093510908},{"text":"But we wanted to review both the Aware Super and your current portfolio within Hub twenty four to make sure it was still appropriate for you, that it was working harder.","start":161.86499,"end":169.72499,"sentiment":"neutral","sentiment_score":0.012356376635932153},{"text":"When I did kinda go back and review things, I had noticed there was some underperforming investments that I wanted to look at replacing for you.","start":170.1,"end":177.06,"sentiment":"neutral","sentiment_score":-0.13289211633113715},{"text":"So I've got an updated portfolio for you to go through.","start":177.06,"end":180.68,"sentiment":"neutral","sentiment_score":0.1162540739910169},{"text":"Okay?","start":180.74,"end":181.24,"sentiment":"neutral","sentiment_score":0.0925510674715042}],"sentiment":"neutral","sentiment_score":-0.0012667123444898185,"num_words":86,"start":156.905,"end":181.24},{"sentences":[{"text":"That's okay.","start":183.22499,"end":183.965,"sentiment":"neutral","sentiment_score":0.19451313465833664},{"text":"If I can get you to scroll down for me just to page number eight.","start":184.905,"end":188.025,"sentiment":"neutral","sentiment_score":0.09632976402839025},{"text":"This is just sort of having a look at your assets and liabilities there.","start":188.025,"end":190.825,"sentiment":"neutral","sentiment_score":0.08090403942125184},{"text":"This is what we had noted when we last called up.","start":190.825,"end":193.385,"sentiment":"neutral","sentiment_score":0.07433670048009265},{"text":"Is there any changes you would like to have us make in the back end or anything different we might need to add now at all for you?","start":193.385,"end":199.26,"sentiment":"neutral","sentiment_score":0.0491708416624793}],"sentiment":"neutral","sentiment_score":0.07373023647814989,"num_words":70,"start":183.22499,"end":199.26},{"sentences":[{"text":"That that's okay.","start":205.0,"end":206.12,"sentiment":"neutral","sentiment_score":0.047342232118050255},{"text":"That's not a problem at all.","start":206.12,"end":207.81999,"sentiment":"neutral","sentiment_score":0.22943739344676337},{"text":"And then the next page outlines your current super balance there.","start":208.51999,"end":211.61499,"sentiment":"neutral","sentiment_score":0.1109889495101842},{"text":"So within hub twenty four at the moment, you've got a 161,240 and 65¢.","start":211.61499,"end":217.715,"sentiment":"neutral","sentiment_score":0.07557278183790353},{"text":"In Aware Super, the current balance is showing $39,411.95 there, and you've got your insurances in place.","start":217.935,"end":226.4,"sentiment":"neutral","sentiment_score":0.08125174681053442}],"sentiment":"neutral","sentiment_score":0.10206510722637177,"num_words":51,"start":205.0,"end":226.4},{"sentences":[{"text":"There's some license and TPD.","start":226.4,"end":227.93999,"sentiment":"neutral","sentiment_score":-0.05133512541651726},{"text":"It is only a very small amount of cover at the moment.","start":228.4,"end":230.95999,"sentiment":"neutral","sentiment_score":-0.08618354486922424},{"text":"However, it's worth retaining to give you a level of cover that isn't available elsewhere Okay?","start":230.95999,"end":238.865,"sentiment":"neutral","sentiment_score":0.05742610362358391},{"text":"Excellent.","start":238.925,"end":239.425,"sentiment":"positive","sentiment_score":0.6352134943008423},{"text":"To make things easier, I will let you go back and have a really good read of the document.","start":239.685,"end":244.04501,"sentiment":"positive","sentiment_score":0.5134206335795554}],"sentiment":"neutral","sentiment_score":0.18902160424106526,"num_words":53,"start":226.4,"end":244.04501},{"sentences":[{"text":"We do outline the strategy nice and easily for you, but so as I'm not taking up too much of your time, I'll direct you to the pages that I need to go through with you, give you the information required, and then you get to go back and have a bit of a look at it in your own time there as well.","start":244.04501,"end":258.74,"sentiment":"positive","sentiment_score":0.352647959953174},{"text":"Okay?","start":258.8,"end":259.3,"sentiment":"neutral","sentiment_score":0.25755512714385986},{"text":"Beautiful.","start":259.6,"end":260.1,"sentiment":"positive","sentiment_score":0.6923694610595703},{"text":"If I can get you to scroll down to page number 17 there for me, I'll go through the the bulk of the recommendations and show you the changes I'd like to make.","start":260.96,"end":268.89502,"sentiment":"positive","sentiment_score":0.38978008429209393},{"text":"Excellent.","start":271.595,"end":272.095,"sentiment":"positive","sentiment_score":0.5894806385040283}],"sentiment":"positive","sentiment_score":0.3697161744534969,"num_words":100,"start":244.04501,"end":272.095},{"sentences":[{"text":"This is a big comparison table there.","start":272.155,"end":274.155,"sentiment":"positive","sentiment_score":0.4824626403195517},{"text":"So as I kinda went through, I did have a look at your super as well as the underlying investments within Hub twenty four and Aware Super.","start":274.155,"end":280.73502,"sentiment":"neutral","sentiment_score":0.23921791878011492},{"text":"I am recommending we retain both those funds.","start":280.9,"end":283.46,"sentiment":"neutral","sentiment_score":0.1728305909782648},{"text":"Aware Super holds the insurances which are appropriate, and it's important to hold those for the time being.","start":283.46,"end":289.24,"sentiment":"neutral","sentiment_score":0.22776940713326135},{"text":"We'll keep reviewing those with you.","start":289.62,"end":291.06,"sentiment":"neutral","sentiment_score":0.21549305071433386}],"sentiment":"neutral","sentiment_score":0.2516905249971332,"num_words":66,"start":272.155,"end":291.06},{"sentences":[{"text":"So when and if those insurances are no longer valid, you don't feel the need to keep them any longer, then we can look at other strategies to consolidate and move forward there for you as well.","start":291.06,"end":299.98502,"sentiment":"neutral","sentiment_score":0.20455462264048085},{"text":"Okay?","start":300.045,"end":300.545,"sentiment":"neutral","sentiment_score":0.08201914280653},{"text":"Well, hub twenty four, I did have a look at other platforms as well.","start":301.48502,"end":304.685,"sentiment":"neutral","sentiment_score":0.08808448777667113},{"text":"However, just like yourself, there's a tax return every year, so does your super fund.","start":304.685,"end":309.75,"sentiment":"neutral","sentiment_score":0.014333091303706169},{"text":"I did look at the the CDT implications of moving to any other super fund out there.","start":309.75,"end":314.88998,"sentiment":"neutral","sentiment_score":0.08622159480172045}],"sentiment":"neutral","sentiment_score":0.12576769631622092,"num_words":84,"start":291.06,"end":314.88998},{"sentences":[{"text":"You have had some really good growth over the past couple of years.","start":314.94998,"end":317.75,"sentiment":"positive","sentiment_score":0.36847291313684905},{"text":"So the CDT for selling the portfolio completely down and moving the funds out was gonna be a lot higher.","start":317.75,"end":323.99,"sentiment":"neutral","sentiment_score":0.09640488736331462},{"text":"So I looked at hub twenty four compared that as a fund.","start":323.99,"end":327.35498,"sentiment":"neutral","sentiment_score":0.13578924474616846},{"text":"It is still appropriate, and it does have a wide range of investments for us to be able to make switches within the funds so that you're still your sleep is working as hard as possible for you, but that you're not having to have huge tax consequences within the super fund there as well.","start":327.35498,"end":341.99002,"sentiment":"neutral","sentiment_score":0.3270255132154985},{"text":"Okay?","start":342.05002,"end":342.55002,"sentiment":"neutral","sentiment_score":0.11308036744594574}],"sentiment":"neutral","sentiment_score":0.2618534668247298,"num_words":101,"start":314.94998,"end":342.55002},{"sentences":[{"text":"So at the moment between the funds, you do have your administration fees, investment fees, any other fees applicable.","start":343.89,"end":349.75,"sentiment":"neutral","sentiment_score":0.140208149034726},{"text":"The ongoing service fee fee is coming out of hub twenty four for us to look after your sleep and monitor everything and provide ongoing advice to support you towards retirement and into those retirement years there as well.","start":349.81,"end":361.60498,"sentiment":"neutral","sentiment_score":0.2751428461991824},{"text":"Contributions are going into aware and wanna keep those in aware because that's a secondary measure for making sure your insurances stay in place for you.","start":361.985,"end":370.05002,"sentiment":"neutral","sentiment_score":0.24660726350087386},{"text":"And then your insurance premium, only a minor cost coming out of your aware super as well.","start":370.51,"end":375.65,"sentiment":"neutral","sentiment_score":0.0954388798597981},{"text":"When we have a bit of a look at the last five years and the performance of the current fund that you're in between Hub twenty four and Aware, it's averaged about a 8.34% return, which isn't bad in any way, shape, or form.","start":375.87,"end":388.305,"sentiment":"neutral","sentiment_score":0.10814206971024926}],"sentiment":"neutral","sentiment_score":0.1806001842021942,"num_words":145,"start":343.89,"end":388.305},{"sentences":[{"text":"But as you get closer to the time, we wanna make sure things continue to work harder.","start":388.605,"end":392.56,"sentiment":"neutral","sentiment_score":-0.020907168440959033},{"text":"So investments that were great three, four, or five years down the track do need to be updated on a regular basis.","start":392.56,"end":398.47998,"sentiment":"neutral","sentiment_score":0.09904769469391216},{"text":"So as times change, and this year with how the markets have been reacting between everything that's been going on, it has been a really good chance to update things for you.","start":398.47998,"end":407.935,"sentiment":"neutral","sentiment_score":0.22777420934289694},{"text":"Okay?","start":407.935,"end":408.435,"sentiment":"neutral","sentiment_score":0.07426738739013672},{"text":"I'll take you through the changes I'm going to make, but, essentially, with the newer portfolio, it's actually had a much higher rate of return.","start":409.935,"end":416.175,"sentiment":"neutral","sentiment_score":0.12151943564414978}],"sentiment":"neutral","sentiment_score":0.12602737522924068,"num_words":97,"start":388.605,"end":416.175},{"sentences":[{"text":"So it's still not growth environment giving you the eighty twenty split, but the newer portfolio has seen a 10.72 return.","start":416.175,"end":423.51,"sentiment":"neutral","sentiment_score":0.13665672746442614},{"text":"So that newer portfolio I'd like to put you in has seen a greater past performance, which is which is much better, can put you in a much greater position moving forward.","start":423.51,"end":432.17,"sentiment":"positive","sentiment_score":0.47552607860416174},{"text":"And the CGT cost for making the switch of investments is only estimated to be $950.","start":432.71002,"end":438.27502,"sentiment":"neutral","sentiment_score":0.3006368726491928},{"text":"So a very small cost to your super fund to be able to alter those investments in the back end.","start":438.27502,"end":442.855,"sentiment":"neutral","sentiment_score":0.31186772473156454},{"text":"Okay.","start":443.075,"end":443.575,"sentiment":"neutral","sentiment_score":0.1755850464105606}],"sentiment":"neutral","sentiment_score":0.3256639477279451,"num_words":90,"start":416.175,"end":443.575},{"sentences":[{"text":"Excellent.","start":445.475,"end":445.975,"sentiment":"positive","sentiment_score":0.5251643657684326},{"text":"When we look at the administration fees and and fees, I'm recommending you retain both hub 24 and the Aware Super.","start":446.435,"end":452.66,"sentiment":"neutral","sentiment_score":0.23650691374426797},{"text":"However, I am recommending that we do roll some money out of Aware and into hub twenty four.","start":453.04,"end":457.52,"sentiment":"neutral","sentiment_score":0.14561807240049043},{"text":"We wanna leave 10,000 behind, keep your contributions going in there to maintain your insurance premiums, and then every year be rolling a bit of money in the hub twenty four to make sure more funds are continuously being rolled in over into the portfolio working harder for you long term.","start":457.52,"end":472.795,"sentiment":"neutral","sentiment_score":0.22619489098296447},{"text":"Because we are recommending more money move into hub twenty four, we do know the administration fees are expected to be slightly higher, about $62 for the expected to be slightly higher, about $62 for the first year.","start":473.33502,"end":482.48,"sentiment":"neutral","sentiment_score":0.03330482601335174}],"sentiment":"neutral","sentiment_score":0.16212757896314295,"num_words":129,"start":445.475,"end":482.48},{"sentences":[{"text":"However, with the newer, investment portfolio, you're actually saving on, investment fees.","start":482.48,"end":487.62,"sentiment":"neutral","sentiment_score":0.26272704638540745},{"text":"And it shows to the first year, we expect you to to save about $464 in investment fees, which is a great saving to start with.","start":487.91998,"end":494.49503,"sentiment":"positive","sentiment_score":0.5750862531937085},{"text":"It's more money staying in your super working harder for you.","start":494.49503,"end":497.635,"sentiment":"positive","sentiment_score":0.5474908026781949},{"text":"Mhmm.","start":497.77502,"end":498.27502,"sentiment":"neutral","sentiment_score":0.05011056363582611},{"text":"Underneath that, so that's essentially the the major changes and the reason behind the changes and why the research around that.","start":501.45502,"end":508.83002,"sentiment":"neutral","sentiment_score":-0.014369752923292773}],"sentiment":"positive","sentiment_score":0.3362776298784244,"num_words":71,"start":482.48,"end":508.83002},{"sentences":[{"text":"If you can scroll down there for me to page number 19, this is a sense of the investment changes that we are making.","start":508.97,"end":514.785,"sentiment":"neutral","sentiment_score":0.01874799995372693},{"text":"Yeah.","start":516.065,"end":516.565,"sentiment":"neutral","sentiment_score":0.0005014026537537575},{"text":"Absolutely.","start":517.58496,"end":518.08496,"sentiment":"neutral","sentiment_score":0.000875488854944706},{"text":"Yes.","start":521.985,"end":522.485,"sentiment":"neutral","sentiment_score":-0.003809054382145405},{"text":"Which fee are you talking about?","start":523.90497,"end":525.425,"sentiment":"neutral","sentiment_score":-0.03095936495810747}],"sentiment":"neutral","sentiment_score":0.007932231705071348,"num_words":33,"start":508.97,"end":525.425},{"sentences":[{"text":"I'm sorry.","start":525.425,"end":525.90497,"sentiment":"neutral","sentiment_score":-0.05051596835255623},{"text":"The the the CGT plus?","start":525.90497,"end":533.62,"sentiment":"neutral","sentiment_score":-0.015259847603738308},{"text":"Yeah.","start":534.39996,"end":534.8,"sentiment":"neutral","sentiment_score":0.017300572246313095},{"text":"The the capital gains cost is $950, and that's all dealt within the fund.","start":534.8,"end":539.77997,"sentiment":"neutral","sentiment_score":0.021886898470776423},{"text":"So your super fund does tax returns every year the exact same way you do.","start":540.045,"end":543.725,"sentiment":"neutral","sentiment_score":0.0695688416560491}],"sentiment":"neutral","sentiment_score":0.032159962187949066,"num_words":37,"start":525.425,"end":543.725},{"sentences":[{"text":"Your fund does a separate one, and the super fund will account for the $950.","start":543.725,"end":548.765,"sentiment":"neutral","sentiment_score":0.11037982751925786},{"text":"It's the at the most, we could minimize the CGT cost while making sure the performance and the and the funds were working harder for you as well.","start":548.765,"end":556.66,"sentiment":"neutral","sentiment_score":0.2051677791667836},{"text":"Yeah.","start":558.39996,"end":558.64,"sentiment":"neutral","sentiment_score":0.213087260723114},{"text":"That's okay.","start":558.64,"end":559.36,"sentiment":"neutral","sentiment_score":0.309917613863945},{"text":"Is there any other questions?","start":559.36,"end":560.64,"sentiment":"neutral","sentiment_score":0.23835038691759108}],"sentiment":"neutral","sentiment_score":0.18480528730387782,"num_words":51,"start":543.725,"end":560.64},{"sentences":[{"text":"Please feel free to let me know.","start":560.64,"end":562.18,"sentiment":"neutral","sentiment_score":0.11742049029895238},{"text":"No.","start":565.12,"end":565.62,"sentiment":"neutral","sentiment_score":-0.2509293556213379},{"text":"That's okay.","start":565.92,"end":566.74,"sentiment":"neutral","sentiment_score":-0.1282399194315076},{"text":"Perfect.","start":567.83997,"end":568.33997,"sentiment":"neutral","sentiment_score":0.15442894399166107},{"text":"Down to page number 19 there for me.","start":569.27997,"end":572.085,"sentiment":"neutral","sentiment_score":0.0020842234953306615}],"sentiment":"neutral","sentiment_score":0.025559840503295784,"num_words":19,"start":560.64,"end":572.085},{"sentences":[{"text":"Beautiful.","start":573.425,"end":573.925,"sentiment":"positive","sentiment_score":0.5875990390777588},{"text":"So these are essentially the changes that we are wanting to make.","start":574.145,"end":577.105,"sentiment":"neutral","sentiment_score":0.10284301545470953},{"text":"So having a look at your portfolio, we did note that the Ben along Australian Equities, which is this the second investment down, the first one under the hub twenty four line, that's one of the investments that has been underperforming heavily at this year.","start":577.105,"end":589.94,"sentiment":"neutral","sentiment_score":-0.15154547509219912},{"text":"So we have decided to remove that completely from your portfolio.","start":589.94,"end":593.08,"sentiment":"neutral","sentiment_score":-0.2736075791445645},{"text":"We are also looking to make some additional changes there.","start":593.86,"end":596.59503,"sentiment":"neutral","sentiment_score":-0.037920340150594714}],"sentiment":"neutral","sentiment_score":-0.10616098641406131,"num_words":79,"start":573.425,"end":596.59503},{"sentences":[{"text":"So to make it a bit easier, anything with the red and the negative, that's what we're gonna be selling down.","start":596.59503,"end":601.875,"sentiment":"neutral","sentiment_score":-0.055176254450565294},{"text":"So we'll be removing the Ben along Australian Equities, the battery and lithium tech.","start":601.875,"end":605.97504,"sentiment":"neutral","sentiment_score":-0.04941769423229354},{"text":"Bank hybrids are being removed now because they're actually being phased out as an investment class down the track by the government.","start":606.275,"end":612.4,"sentiment":"neutral","sentiment_score":-0.10091158155013215},{"text":"So we wanna simplify things.","start":612.4,"end":614.24,"sentiment":"neutral","sentiment_score":0.07004360854625702},{"text":"And once we are making changes now, we may as well remove them and replace them rather than having to hold on.","start":614.24,"end":620.96,"sentiment":"neutral","sentiment_score":0.02481293034824458}],"sentiment":"neutral","sentiment_score":-0.03779168269552645,"num_words":84,"start":596.59503,"end":620.96},{"sentences":[{"text":"And then when the government makes those changes and tells us we have to make changes, then we would have to do it quickly.","start":620.96,"end":626.47504,"sentiment":"neutral","sentiment_score":0.02733062153371672},{"text":"So moving it all now, making a big change works out to your benefit now.","start":626.47504,"end":631.135,"sentiment":"neutral","sentiment_score":0.28409505387147266},{"text":"With the this yeah.","start":632.395,"end":634.015,"sentiment":"neutral","sentiment_score":0.1703566610813141},{"text":"Physical Gold has done really well within your portfolio.","start":634.075,"end":637.37994,"sentiment":"neutral","sentiment_score":0.32360277242130703},{"text":"We wanna hold about 10 percent of that.","start":637.37994,"end":639.45996,"sentiment":"neutral","sentiment_score":0.17969291657209396}],"sentiment":"neutral","sentiment_score":0.16581259422625105,"num_words":60,"start":620.96,"end":639.45996},{"sentences":[{"text":"You've got about 7.95% now, so we're gonna buy some more physical gold there for you.","start":639.45996,"end":645.39996,"sentiment":"neutral","sentiment_score":0.17025227518752217},{"text":"With the Vadis shares cybersecurity, we only wanna hold about 5%.","start":645.86,"end":649.79504,"sentiment":"neutral","sentiment_score":0.03224424882368608},{"text":"So we're rebalancing that one back a little bit down from 8.45%.","start":649.79504,"end":654.275,"sentiment":"neutral","sentiment_score":0.01156522830327352},{"text":"So just selling off a little bit of it.","start":654.275,"end":656.375,"sentiment":"neutral","sentiment_score":-0.038414189798964396},{"text":"Defensive investments are low risk defensive investments like cash, bonds, and fixed interest.","start":657.315,"end":661.635,"sentiment":"neutral","sentiment_score":0.035977658385840744}],"sentiment":"neutral","sentiment_score":0.05474570050041695,"num_words":61,"start":639.45996,"end":661.635},{"sentences":[{"text":"We wanna hold anywhere between sort of 10 to 20% in your portfolio there.","start":661.635,"end":666.54004,"sentiment":"neutral","sentiment_score":0.08365262778741973},{"text":"So these are things like core composite bonds.","start":666.54004,"end":668.96,"sentiment":"neutral","sentiment_score":0.04353536106646061},{"text":"So we do wanna hold some of those.","start":669.10004,"end":670.7,"sentiment":"neutral","sentiment_score":0.07247715163975954},{"text":"You've got about 8.49%.","start":670.7,"end":672.62,"sentiment":"neutral","sentiment_score":0.03254377981647849},{"text":"At the moment, we wanna increase that exposure to 14% as you're a little bit underexposed in the defensive side of things currently.","start":672.62,"end":680.365,"sentiment":"neutral","sentiment_score":-0.041572149033131806}],"sentiment":"neutral","sentiment_score":0.02233776459960561,"num_words":57,"start":661.635,"end":680.365},{"sentences":[{"text":"Okay?","start":682.105,"end":682.505,"sentiment":"neutral","sentiment_score":-0.007150121498852968},{"text":"The s and p 500, you've got about 29.14% at the moment.","start":682.505,"end":686.58496,"sentiment":"neutral","sentiment_score":0.022269475894669693},{"text":"Just increasing that exposure to 30% to buying a little bit more.","start":686.58496,"end":690.06,"sentiment":"neutral","sentiment_score":0.04153159369404117},{"text":"I know there has been a lot of ups and downs with what's been happening with The US, but it is still a really good place to be invested.","start":690.06,"end":696.96,"sentiment":"neutral","sentiment_score":0.13692267007868866},{"text":"It has seen good returns.","start":697.10004,"end":698.56,"sentiment":"positive","sentiment_score":0.6031412243843078}],"sentiment":"neutral","sentiment_score":0.13126993674185064,"num_words":59,"start":682.105,"end":698.56},{"sentences":[{"text":"And, yes, it's been up and down, but the market is still performing quite well.","start":698.7,"end":702.255,"sentiment":"neutral","sentiment_score":0.190672604739666},{"text":"So we still wanna be invested in those sorts of areas.","start":702.255,"end":705.79504,"sentiment":"neutral","sentiment_score":0.10973209616812793},{"text":"We are gonna remove off the VanEck Australian property investment.","start":707.135,"end":710.515,"sentiment":"neutral","sentiment_score":-0.04758204631507397},{"text":"Selling that down has seen a bit of a pullback and hasn't really been performing the way we would like it to be, And we're altering your Australian exposure.","start":710.575,"end":718.68,"sentiment":"neutral","sentiment_score":-0.13759925588965416},{"text":"So by removing Bannalong, we're also removing the Rafi 200.","start":718.68,"end":722.86,"sentiment":"neutral","sentiment_score":-0.021431560814380645}],"sentiment":"neutral","sentiment_score":-0.008178298175334931,"num_words":75,"start":698.7,"end":722.86},{"sentences":[{"text":"And instead of holding those two investments, we're gonna hold the a 200, which is on the next page at the very top there.","start":723.24,"end":730.54,"sentiment":"neutral","sentiment_score":0.006445501251922299},{"text":"By removing both of these, we're putting you into the top 200 companies on the ASX still giving you Australian exposure, but it is a lower cost way.","start":731.515,"end":741.435,"sentiment":"neutral","sentiment_score":0.13009221878434932},{"text":"It's tracking the top 200 index, and it's actually giving you greater diversification there as well.","start":741.435,"end":746.66,"sentiment":"neutral","sentiment_score":0.22900259587913752},{"text":"So this investment has proven much better.","start":746.72,"end":749.44,"sentiment":"positive","sentiment_score":0.45154155577932087},{"text":"It's a much low cost, which means it's more money invested in your super working harder for you and has shown greater past performance than holding the other two investments.","start":749.44,"end":757.68,"sentiment":"positive","sentiment_score":0.36345134973526}],"sentiment":"neutral","sentiment_score":0.20500616259606821,"num_words":105,"start":723.24,"end":757.68},{"sentences":[{"text":"So we wanted to do a bit of a rejig for you, make sure we can simplify things a little bit, but also save you some money in the long run.","start":757.68,"end":764.565,"sentiment":"neutral","sentiment_score":0.24325820803642273},{"text":"Okay?","start":764.705,"end":765.205,"sentiment":"neutral","sentiment_score":0.09695173799991608},{"text":"Excellent.","start":766.785,"end":767.285,"sentiment":"positive","sentiment_score":0.3590174615383148},{"text":"And then back on the last page again, they're just also investing in some Europe and some Japanese exposure, and then we've included the Vanguard all WorldX US investments.","start":767.34503,"end":776.47003,"sentiment":"neutral","sentiment_score":0.14057667579116492},{"text":"This is giving you exposure to the entire globe minus The US, and that's because we have exposure to the S and P 500 above there.","start":776.47003,"end":784.15,"sentiment":"neutral","sentiment_score":0.14795559042921433}],"sentiment":"neutral","sentiment_score":0.18091525679284876,"num_words":88,"start":757.68,"end":784.15},{"sentences":[{"text":"So all in all, this portfolio has shown greater past performance, is much cheaper than your current portfolio, and it's also giving you greater diversification.","start":784.15,"end":793.035,"sentiment":"positive","sentiment_score":0.4132206296920776},{"text":"And one of the ways that we look to mitigate market risk is to diversify as much as possible.","start":793.415,"end":798.71497,"sentiment":"neutral","sentiment_score":0.27584103377241836},{"text":"As you are getting older and closer to retirement, making sure that we can mitigate what risk we possibly can, have your super working harder, lowering fees where we can as well, and making sure to update and, you know, as I said, diversify your portfolio as much as possible is gonna help to put you in a much greater position moving forward.","start":799.33496,"end":818.07495,"sentiment":"positive","sentiment_score":0.4088382282190853},{"text":"Okay?","start":818.07495,"end":818.57495,"sentiment":"neutral","sentiment_score":0.199508398771286},{"text":"Beautiful.","start":820.555,"end":821.035,"sentiment":"positive","sentiment_score":0.6080431938171387}],"sentiment":"positive","sentiment_score":0.3865674803153091,"num_words":109,"start":784.15,"end":821.035},{"sentences":[{"text":"It is a lot, and I'm so sorry.","start":821.035,"end":822.795,"sentiment":"neutral","sentiment_score":0.20189252286218107},{"text":"I try to make it as easy as possible.","start":822.795,"end":824.975,"sentiment":"neutral","sentiment_score":0.0006016792936457528},{"text":"But just feel free to run your eyes over that as well.","start":825.83496,"end":828.735,"sentiment":"neutral","sentiment_score":0.12518082186579704},{"text":"Above those sections where duties.","start":828.795,"end":833.63,"sentiment":"neutral","sentiment_score":0.0859928384423256},{"text":"So just sort of relating it back to your goals and making sure that everything is working harder for you.","start":833.63,"end":838.99005,"sentiment":"neutral","sentiment_score":0.2946171134710312}],"sentiment":"neutral","sentiment_score":0.17490799297337178,"num_words":54,"start":821.035,"end":838.99005},{"sentences":[{"text":"The advantages here are it is a lower cost portfolio, greater diversification, which is important, has shown a greater past performance, which is important as well.","start":838.99005,"end":847.605,"sentiment":"positive","sentiment_score":0.5629632564691397},{"text":"Rolling money out of aware into hub twenty four means that you've got more money invested in the portfolio working harder.","start":847.985,"end":854.385,"sentiment":"neutral","sentiment_score":0.3208505738349188},{"text":"The hub twenty four portfolio has performed greater than the aware portfolio over longer terms.","start":854.385,"end":859.745,"sentiment":"positive","sentiment_score":0.39005681971708933},{"text":"We wanna sure money is being rolled over collectively, but still retaining Aware for you to make sure that, you know, you you sorry.","start":859.745,"end":867.27,"sentiment":"neutral","sentiment_score":0.25206622714176774},{"text":"You do have that level of cover.","start":867.27,"end":868.97,"sentiment":"neutral","sentiment_score":0.16877600337777818}],"sentiment":"positive","sentiment_score":0.3705030160164961,"num_words":93,"start":838.99005,"end":868.97},{"sentences":[{"text":"I did check the investments within Aware.","start":869.27,"end":871.11,"sentiment":"neutral","sentiment_score":0.15342712828091212},{"text":"There's no need to change those currently when we look at the two portfolios as a whole.","start":871.11,"end":875.445,"sentiment":"neutral","sentiment_score":0.17066384019220576},{"text":"The funds in Aware do complement the hub twenty four portfolio nicely, so it's about making sure that we need only move what we have to to limit the the the cost of transferring funds for you.","start":875.685,"end":886.185,"sentiment":"neutral","sentiment_score":0.1553425282441281},{"text":"Excellent.","start":887.365,"end":887.865,"sentiment":"positive","sentiment_score":0.3957493305206299},{"text":"But please feel free to have a read to the document.","start":888.165,"end":890.25,"sentiment":"neutral","sentiment_score":0.09020825238390402}],"sentiment":"neutral","sentiment_score":0.15220532647959173,"num_words":73,"start":869.27,"end":890.25},{"sentences":[{"text":"We've outlined the advantages and disadvantages of risks involved.","start":890.25,"end":893.55005,"sentiment":"neutral","sentiment_score":0.00043330051832728915},{"text":"I go through a few of them for you, but I do like you to go back and have a read.","start":894.17004,"end":897.61005,"sentiment":"neutral","sentiment_score":0.08692844602323714},{"text":"Let me know if there's any questions.","start":897.61005,"end":899.23004,"sentiment":"neutral","sentiment_score":0.039332871192267964},{"text":"A lot of what I'm going through when you're looking at it, it's a lot, and I get that.","start":899.69,"end":903.45,"sentiment":"neutral","sentiment_score":0.2698950108728911},{"text":"So having some time to go back and read the document in your own time is real beneficial as well.","start":903.45,"end":908.42505,"sentiment":"positive","sentiment_score":0.39018177092075346}],"sentiment":"neutral","sentiment_score":0.1978469446644579,"num_words":76,"start":890.25,"end":908.42505},{"sentences":[{"text":"You have your beneficiaries in place, and you are comfortable with those as they were.","start":909.84503,"end":913.84503,"sentiment":"positive","sentiment_score":0.4423789381980896},{"text":"But I've also just made a slight recommendation in here to make sure you do have your will and power of attorney set up.","start":913.84503,"end":919.45,"sentiment":"neutral","sentiment_score":0.300432151183486},{"text":"So the other side of the estate planning is making sure that you do have a will, a power of attorney to protect you in the event that something was to happen.","start":919.45,"end":927.07,"sentiment":"neutral","sentiment_score":0.27719938987866044},{"text":"Your life insurance and your super beneficiaries cover those aspects.","start":927.61005,"end":931.245,"sentiment":"neutral","sentiment_score":0.27561779916286466},{"text":"But having a will in place covers everything else that you've worked hard for, your car, your contents, your savings accounts, all your assets, all the things you may not see as important, realistically, still have to be sold off and could could equate to quite a bit of money that would need to be passed on to your family, or they could be some family heirlooms or something of importance that means something to members of your family that you might wanna have passed down or requested to someone important.","start":931.245,"end":959.05,"sentiment":"neutral","sentiment_score":-0.046230533866436926}],"sentiment":"neutral","sentiment_score":0.12363741620508738,"num_words":172,"start":909.84503,"end":959.05},{"sentences":[{"text":"So having that will done up is really important to do so by a legal a solicitor can do one very simply if you have one close to you.","start":959.11,"end":968.375,"sentiment":"neutral","sentiment_score":0.21963703529588108},{"text":"Alternatively, a lot of the states do have, like, the state trustees.","start":968.675,"end":972.375,"sentiment":"neutral","sentiment_score":0.23061478386322656},{"text":"You can contact them, and they can do bills up a lot cheaper for you if it's less complex.","start":972.51495,"end":977.24,"sentiment":"positive","sentiment_score":0.41868861882310165},{"text":"I have got clients who who've pre preferred, sorry, to just go to the post office and get a will kit as well.","start":977.94,"end":983.62,"sentiment":"positive","sentiment_score":0.3967675683291062},{"text":"And as long as it's filled out as per the directions on the the wheel kit itself, it can be completely fine.","start":983.62,"end":989.465,"sentiment":"positive","sentiment_score":0.5904712934385646}],"sentiment":"positive","sentiment_score":0.3734091210932959,"num_words":105,"start":959.11,"end":989.465},{"sentences":[{"text":"Obviously, not having a wheel done by a solicitor can mean it is contestable.","start":989.925,"end":993.945,"sentiment":"neutral","sentiment_score":-0.17006010296089308},{"text":"Most wheels all wheels are always contestable, but having something done by a solicitor does mean whilst the cost is higher, it is less likely to be contested in you know, your wishes are more likely to be adhered to and followed directions followed through nicely for you.","start":994.965,"end":1010.63,"sentiment":"neutral","sentiment_score":0.26969953638035804},{"text":"And then with with just the power of attorney, making sure that you've directed that there's a direction for someone to act in your best interest, whether it be medically or financially in the event that you're unable to do so for yourself.","start":1011.49005,"end":1022.445,"sentiment":"neutral","sentiment_score":0.2645398198408995},{"text":"So we like to just make sure we update those areas and that those things are updated and thought about.","start":1022.445,"end":1028.4299,"sentiment":"neutral","sentiment_score":0.14611843936145305},{"text":"It's not the best conversation to have, but it's definitely an important one to sort of think about what how would I want people to act on my behalf and what do I want to happen to everything I've worked so hard for.","start":1028.4299,"end":1039.07,"sentiment":"neutral","sentiment_score":0.07250040202120016}],"sentiment":"neutral","sentiment_score":0.16654663471490494,"num_words":168,"start":989.925,"end":1039.07},{"sentences":[{"text":"So yeah.","start":1039.07,"end":1040.3799,"sentiment":"neutral","sentiment_score":0.13525192625820637},{"text":"Excellent.","start":1040.835,"end":1041.335,"sentiment":"positive","sentiment_score":0.6103317737579346},{"text":"Excellent.","start":1042.9149,"end":1043.4149,"sentiment":"positive","sentiment_score":0.5824666619300842},{"text":"The only other thing to sorta note in there is that we've got the ongoing service agreement in here.","start":1043.715,"end":1048.4349,"sentiment":"neutral","sentiment_score":0.11487790099100063},{"text":"There's no upfront or implementation fees for the advice.","start":1048.4349,"end":1051.475,"sentiment":"neutral","sentiment_score":0.07098574356900321}],"sentiment":"neutral","sentiment_score":0.13390169059857726,"num_words":32,"start":1039.07,"end":1051.475},{"sentences":[{"text":"That's all part of the services we provide to you.","start":1051.475,"end":1054.215,"sentiment":"neutral","sentiment_score":0.10507341623306274},{"text":"You do pay an ongoing service fee of 1.65% per annum, which is deducted on a monthly basis, and small income is from your super for our services and updating the advice.","start":1054.5,"end":1064.02,"sentiment":"neutral","sentiment_score":0.0758441083598882},{"text":"So that is all reflected into the projection table and the outcome side of things for you.","start":1064.02,"end":1068.8151,"sentiment":"neutral","sentiment_score":0.1416458719793488},{"text":"And we do have the updated ongoing service agreement attached to the the order sign for you.","start":1068.875,"end":1073.755,"sentiment":"neutral","sentiment_score":0.12109965217464111},{"text":"So if you're happy to go ahead with the recommendations and remain a client, we'll just ask you to sign and return those documents back to me.","start":1073.755,"end":1080.495,"sentiment":"neutral","sentiment_score":0.12693124430047142}],"sentiment":"neutral","sentiment_score":0.11040352559784083,"num_words":103,"start":1051.475,"end":1080.495},{"sentences":[{"text":"If you like if you do like reading, what everyone does, I have also attached the appendices for you and the product disclosure statements attached for hub twenty four and the investment side of things.","start":1081.1001,"end":1092.3,"sentiment":"neutral","sentiment_score":0.1767271780541965},{"text":"So you are welcome to have a look through any of those documents, have a bit of a read up on the products themselves as well.","start":1092.3,"end":1097.6449,"sentiment":"neutral","sentiment_score":0.18631717132834288},{"text":"Okay?","start":1097.705,"end":1098.205,"sentiment":"neutral","sentiment_score":0.12433794140815736},{"text":"Excellent.","start":1100.825,"end":1101.325,"sentiment":"positive","sentiment_score":0.4029150605201721},{"text":"That's okay.","start":1101.3849,"end":1102.1849,"sentiment":"neutral","sentiment_score":0.2266484498977661}],"sentiment":"neutral","sentiment_score":0.18477303981781007,"num_words":65,"start":1081.1001,"end":1102.1849},{"sentences":[{"text":"The last thing to make mention is it looks like your ID has expired on file.","start":1102.1849,"end":1106.205,"sentiment":"neutral","sentiment_score":-0.01249972078949213},{"text":"We will need to update your ID.","start":1106.52,"end":1108.2001,"sentiment":"neutral","sentiment_score":0.010025493800640106},{"text":"So I'll just get my colleague Samantha to send you a message, if that's okay, just by our office phone, and she'll just request an update of your ID there as well.","start":1108.2001,"end":1116.6,"sentiment":"neutral","sentiment_score":0.08654666400980204},{"text":"But do you have any questions for me at the moment?","start":1116.6,"end":1119.74,"sentiment":"neutral","sentiment_score":0.06414141472090375},{"text":"Sorry.","start":1119.8,"end":1120.3,"sentiment":"neutral","sentiment_score":-0.007880041375756264}],"sentiment":"neutral","sentiment_score":0.049811219296126225,"num_words":67,"start":1102.1849,"end":1120.3},{"sentences":[{"text":"Thanks.","start":1122.195,"end":1122.695,"sentiment":"positive","sentiment_score":0.4438995122909546},{"text":"Perfect.","start":1124.675,"end":1125.175,"sentiment":"positive","sentiment_score":0.3639252483844757},{"text":"Lovely.","start":1126.435,"end":1126.935,"sentiment":"neutral","sentiment_score":0.32667067646980286},{"text":"Perfect.","start":1130.915,"end":1131.415,"sentiment":"positive","sentiment_score":0.5491254329681396},{"text":"Thank you very much, Deborah.","start":1132.355,"end":1133.795,"sentiment":"positive","sentiment_score":0.8473759412765502}],"sentiment":"positive","sentiment_score":0.6578333973884583,"num_words":9,"start":1122.195,"end":1133.795},{"sentences":[{"text":"I will let you go.","start":1133.795,"end":1134.595,"sentiment":"positive","sentiment_score":0.7042099833488464},{"text":"I appreciate you taking my phone call.","start":1134.595,"end":1136.17,"sentiment":"positive","sentiment_score":0.8181634630475726},{"text":"I hope you have a lovely afternoon, and let me know if there's any questions that come from any of any part of that document.","start":1136.17,"end":1141.55,"sentiment":"positive","sentiment_score":0.6375889599323272},{"text":"Okay?","start":1141.8501,"end":1142.3501,"sentiment":"neutral","sentiment_score":0.2561808228492737},{"text":"No worries.","start":1144.73,"end":1145.29,"sentiment":"positive","sentiment_score":0.5448490232229233}],"sentiment":"positive","sentiment_score":0.6633449256420135,"num_words":40,"start":1133.795,"end":1145.29},{"sentences":[{"text":"You enjoy your day.","start":1145.29,"end":1146.17,"sentiment":"positive","sentiment_score":0.7498893737792969},{"text":"Thank you so much.","start":1146.17,"end":1147.13,"sentiment":"positive","sentiment_score":0.7062991261482239},{"text":"See you later.","start":1147.13,"end":1147.9501,"sentiment":"neutral","sentiment_score":0.2636292427778244},{"text":"Bye.","start":1148.17,"end":1148.67,"sentiment":"neutral","sentiment_score":-0.0981062650680542}],"sentiment":"positive","sentiment_score":0.5431279552479585,"num_words":12,"start":1145.29,"end":1148.67}]}}]},{"alternatives":[{"transcript":"Hello? Debbie speaking. Is it good as the training? I'm really well. Thanks. How are you going? Yeah. Absolutely. Thank you. I can my sorry. Hang on. I'm just I should be able to. Yes. I think I can, actually. I'm just. Mhmm. Yep. Not a problem. So sorry. I'm in my emails now. So so I just go to sign documents. Yep. Sure. Got it. It is. Yep. Don't be Sure. Deborah Hatcher. Twenty fourth and second seventy four. Sorry. What was the other thing? It's 88 Forkner Road at Wairalla. Mhmm. Sure. Mhmm. Yes. It does. Yep. Mhmm. Mhmm. Yep. Right. Thank you. No. Probably not. No. Mhmm. Sure. Mhmm. Sure. Yep. Got it. Mhmm. Mhmm. Mhmm. Sure. Mhmm. Mhmm. Okay. Mhmm. Can I just can I just ask you a quick can I just ask you a quick question? So the fee in terms of the changing investments, what was that? Sorry. The the fee that for you to change the investments. You said 900 yes. Mhmm. Yep. Right. Okay. Got it. Yep. Thank you. Yeah. No. I don't think so. I think that was the only thing. Yep. Okay. So where are we going next? Mhmm. Yep. Mhmm. Mhmm. Yep. Sure. Mhmm. Yes. Yep. Makes sense. Mhmm. Yep. Mhmm. Mhmm. Right. Yeah. Yep. Yes. Mhmm. Yep. Okay. Great. No. That's alright. I yeah. Correct. Yes. Yep. Perfect. Mhmm. Yeah. Absolutely. Yep. Sure. Yep. Sure. Mhmm. Yep. Mhmm. Mhmm. Yep. Sure. Mhmm. Absolutely. Mhmm. Sure. Perfect. Great. Sure. Absolutely. That's perfect. Thank you very much. Oh, okay. Brilliant. Sure. Lovely. No. Look. That was very thorough. Thank you very much. I will cast my eye over that this evening when I knock off, and I will get that signed and returned. Thank you very much. But from what I can see, all looks fabulous. You too. Thank you so much for your time. I appreciate it. You too. Bye 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Debbie speaking. Is it good as the training? I'm really well. Thanks.\n\nHow are you going? Yeah. Absolutely. Thank you. I can my sorry.\n\nHang on. I'm just I should be able to. Yes. I think I can, actually. I'm just.\n\nMhmm. Yep. Not a problem. So sorry. I'm in my emails now.\n\nSo so I just go to sign documents. Yep. Sure. Got it. It is.\n\nYep. Don't be Sure. Deborah Hatcher. Twenty fourth and second seventy four. Sorry.\n\nWhat was the other thing? It's 88 Forkner Road at Wairalla. Mhmm. Sure. Mhmm.\n\nYes. It does. Yep. Mhmm. Mhmm.\n\nYep. Right. Thank you. No. Probably not.\n\nNo. Mhmm. Sure. Mhmm. Sure.\n\nYep. Got it. Mhmm. Mhmm. Mhmm.\n\nSure. Mhmm. Mhmm. Okay. Mhmm.\n\nCan I just can I just ask you a quick can I just ask you a quick question? So the fee in terms of the changing investments, what was that? Sorry. The the fee that for you to change the investments. You said 900 yes.\n\nMhmm. Yep. Right. Okay. Got it.\n\nYep. Thank you. Yeah. No. I don't think so.\n\nI think that was the only thing. Yep. Okay. So where are we going next? Mhmm.\n\nYep. Mhmm. Mhmm. Yep. Sure.\n\nMhmm. Yes. Yep. Makes sense. Mhmm.\n\nYep. Mhmm. Mhmm. Right. Yeah.\n\nYep. Yes. Mhmm. Yep. Okay.\n\nGreat. No. That's alright. I yeah. Correct.\n\nYes. Yep. Perfect. Mhmm. Yeah.\n\nAbsolutely. Yep. Sure. Yep. Sure.\n\nMhmm. Yep. Mhmm. Mhmm. Yep.\n\nSure. Mhmm. Absolutely. Mhmm. Sure.\n\nPerfect. Great. Sure. Absolutely. That's perfect.\n\nThank you very much. Oh, okay. Brilliant. Sure. Lovely.\n\nNo. Look. That was very thorough. Thank you very much. I will cast my eye over that this evening when I knock off, and I will get that signed and returned.\n\nThank you very much. But from what I can see, all looks fabulous. You too. Thank you so much for your time. I appreciate it.\n\nYou too. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.16,"end":0.39999998,"sentiment":"neutral","sentiment_score":0.024752283468842503},{"text":"Debbie speaking.","start":0.39999998,"end":1.22,"sentiment":"neutral","sentiment_score":0.03149957023561001},{"text":"Is it good as the training?","start":3.52,"end":4.9,"sentiment":"neutral","sentiment_score":0.22461567570765814},{"text":"I'm really well.","start":6.48,"end":7.2799997,"sentiment":"positive","sentiment_score":0.5925888419151306},{"text":"Thanks.","start":7.2799997,"end":7.52,"sentiment":"positive","sentiment_score":0.6426410675048828}],"sentiment":"neutral","sentiment_score":0.2966040824181758,"num_words":13,"start":0.16,"end":7.52},{"sentences":[{"text":"How are you 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I just can I just ask you a quick can I just ask you a quick question?","start":512.87,"end":516.975,"sentiment":"neutral","sentiment_score":0.002701600082218647},{"text":"So the fee in terms of the changing investments, what was that?","start":516.975,"end":522.175,"sentiment":"neutral","sentiment_score":-0.005117221114536126},{"text":"Sorry.","start":522.175,"end":522.675,"sentiment":"neutral","sentiment_score":-0.027537306770682335},{"text":"The the fee that for you to change the investments.","start":526.095,"end":530.595,"sentiment":"neutral","sentiment_score":-0.0307652335613966},{"text":"You said 900 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Debbie speaking.\n\nChannel 0: Hi, Deborah.\n\nChannel 1: Is\n\nChannel 0: This\n\nChannel 1: it\n\nChannel 0: is Zena\n\nChannel 1: good as\n\nChannel 0: from\n\nChannel 1: the\n\nChannel 0: Oakey\n\nChannel 1: training?\n\nChannel 0: Financial. How are you this afternoon?\n\nChannel 1: I'm really well. Thanks. How are you going?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I just had you posted to go through your updated statement of advice. Is now still a good time there for you?\n\nChannel 1: Yeah. Absolutely. Thank you.\n\nChannel 0: Fantastic. I'm just gonna send this one through to you via email. Are you able to access your emails there at all?\n\nChannel 1: I can my sorry. Hang on. I'm just\n\nChannel 0: That's okay. If you can,\n\nChannel 1: I\n\nChannel 0: it's honestly\n\nChannel 1: should be\n\nChannel 0: fine.\n\nChannel 1: able to. Yes.\n\nChannel 0: That's okay.\n\nChannel 1: I think\n\nChannel 0: That's\n\nChannel 1: I\n\nChannel 0: okay.\n\nChannel 1: can, actually.\n\nChannel 0: Yep. Not a problem. I've emailed that one through to you, so it should come through from.\n\nChannel 1: I'm just.\n\nChannel 0: Hopefully, fairly quickly, they're for you as well.\n\nChannel 1: Mhmm.\n\nChannel 0: All good. And just all that is coming through, Deborah, just to let you know, we do record our calls for quality and training purposes. Moving forward, are you comfortable with that?\n\nChannel 1: Yep. Not a problem.\n\nChannel 0: Fantastic.\n\nChannel 1: So sorry. I'm in my emails now.\n\nChannel 0: Yes.\n\nChannel 1: So so I just go to sign documents.\n\nChannel 0: That's the one. Yep. If you press on that button, it'll take you through so you can see the statement of advice, and it should let you scroll up and down there as well.\n\nChannel 1: Yep. Sure. Got it.\n\nChannel 0: Is it working okay for you?\n\nChannel 1: It is. Yep.\n\nChannel 0: Yep. Beautiful. Lovely. I just need to do a quick security\n\nChannel 1: Don't be\n\nChannel 0: check there with you as well just to confirm your full name, your date of birth, and address I should have on file for you.\n\nChannel 1: Sure. Deborah Hatcher. Twenty fourth and second seventy four. Sorry. What was the other thing?\n\nChannel 0: Your address. Sorry.\n\nChannel 1: It's 88 Forkner Road at Wairalla.\n\nChannel 0: Lovely. Thank you so much for that. So this document here on the front page, Deborah, will have prepared for yourself as of the 08/03/2026.\n\nChannel 1: Mhmm.\n\nChannel 0: Essentially, our documents are valid for sixty days from the date on the document there, so we try to date them as close to your presentation date as possible to give you that length of time to review the document. Okay?\n\nChannel 1: Sure.\n\nChannel 0: On the bottom of the front page, it has prepared by myself here and my beautiful team. I'm an authorized representative of Ophi Financial, and my authorized representative number registered with ASIC is 1304394. Okay.\n\nChannel 1: Mhmm.\n\nChannel 0: Excellent. This document here was looking at updating your portfolio and your super debt. So you originally had a goal of wanting to hopefully retire by the age of 65, and in those retirement years, drawing down an income of about $1,200 per week. Does that goal still sound appropriate to you?\n\nChannel 1: Yes. It does. Yep.\n\nChannel 0: Yep. Fantastic. We have a scoped in the superannuation end of the portfolio there. So we have sort of when we spoke to you last noted there could be some changes to make to your portfolio. You've got your Aware Super, which we do need to retain to keep your insurance in place.\n\nChannel 1: Mhmm.\n\nChannel 0: But we wanted to review both the Aware Super and your current portfolio within Hub twenty four to make sure it was still appropriate for you, that\n\nChannel 1: Mhmm.\n\nChannel 0: it was working harder. When I did kinda go back and review things, I had noticed there was some underperforming investments that I wanted to look at replacing for you. So\n\nChannel 1: Yep.\n\nChannel 0: I've got an updated portfolio for you to go through. Okay?\n\nChannel 1: Right. Thank you.\n\nChannel 0: That's okay. If I can get you to scroll down for me just to page number eight. This is just sort of having a look at your assets and liabilities there. This is what we had noted when we last called up. Is there any changes you would like to have us make in the back end or anything different we might need to add now at all for you?\n\nChannel 1: No. Probably not. No.\n\nChannel 0: That that's okay. That's not a problem at all. And then the next page outlines your current super balance there. So within hub twenty four at the moment, you've got a 161,240 and 65¢. In Aware Super, the current balance is showing $39,411.95 there, and you've got your\n\nChannel 1: Mhmm.\n\nChannel 0: insurances in place. There's some license and TPD. It is only a very small amount of cover at the moment. However,\n\nChannel 1: Sure.\n\nChannel 0: it's worth retaining to give you\n\nChannel 1: Mhmm.\n\nChannel 0: a level of cover that isn't available elsewhere Okay? Excellent. To make things easier, I will let you go back and have a really good read of the document. We do outline the strategy nice and easily for you, but so as I'm not taking up too much of your time, I'll direct you to the pages that I need to go through with you, give you the information required, and then you get to go back and have a bit of a look at it in your own time there as well.\n\nChannel 1: Sure.\n\nChannel 0: Okay? Beautiful. If I can get you to scroll down to page number 17 there for me, I'll go through the the bulk of the recommendations and show you the changes I'd like to make.\n\nChannel 1: Yep. Got it.\n\nChannel 0: Excellent. This is a big comparison table there. So as I kinda went through, I did have a look at your super as well as the underlying investments within Hub twenty four and Aware Super. I am recommending\n\nChannel 1: Mhmm.\n\nChannel 0: we retain both those funds. Aware Super holds the insurances which are appropriate, and it's important to hold those for the time being. We'll keep reviewing those with you. So when and if those insurances are no longer valid, you don't feel the need to keep them any longer, then we can look at other strategies to consolidate and move forward there for you as well. Okay?\n\nWell, hub twenty four, I did have a look at other platforms as well. However, just like yourself, there's a tax return every year, so does your super fund. I did look\n\nChannel 1: Mhmm.\n\nChannel 0: at the the CDT implications of moving to any other super fund out there. You have had some really good growth over the past couple of years. So the CDT for selling the portfolio completely down and moving the funds out was gonna be a lot higher. So I looked at hub twenty four compared that as a fund. It is still appropriate, and it does have a wide range of investments for us to be able to make switches within the funds so that you're\n\nChannel 1: Mhmm.\n\nChannel 0: still your sleep is working as hard as possible for you, but that you're not having to have huge tax consequences within the super fund there as well. Okay?\n\nChannel 1: Sure.\n\nChannel 0: So at the moment between the funds, you do have your administration fees, investment fees, any other fees applicable. The ongoing service fee fee is coming out of hub twenty four for us to look after your sleep and monitor everything and provide ongoing advice to support you towards retirement and into those retirement years there as well. Contributions are going into aware and wanna keep those in aware because that's a secondary measure for making sure your insurances stay in place for you.\n\nChannel 1: Mhmm.\n\nChannel 0: And then your insurance premium, only a minor cost coming out of your aware super as well. When we have a bit of a look at the last five years and the performance of the current fund that you're in between Hub twenty four and Aware, it's averaged about a 8.34% return, which isn't bad in any way, shape, or form. But as\n\nChannel 1: Mhmm.\n\nChannel 0: you get closer to the time, we wanna make sure things continue to work harder. So investments that were great three, four, or five years down the track do need to be updated on a regular basis. So as times change, and this year with how the markets have been reacting between everything that's been going on, it has been a really good chance to update things for you. Okay?\n\nChannel 1: Okay.\n\nChannel 0: I'll take you through the changes I'm going to make, but, essentially, with the newer portfolio, it's actually had a much higher rate of return. So it's still not growth environment giving you the eighty twenty split, but the newer portfolio has seen a 10.72 return. So that newer portfolio I'd like to put you in has seen a greater past performance, which is which is much better, can put you in a much greater position moving forward. And the CGT cost for making the switch of investments is only estimated to be $950. So a very small cost to your super fund to be able to alter those investments in the back end.\n\nOkay.\n\nChannel 1: Mhmm.\n\nChannel 0: Excellent. When we look at the administration fees and and fees, I'm recommending you retain both hub 24 and the Aware Super. However, I am recommending that we do roll some money out of Aware and into hub twenty four. We wanna leave 10,000 behind, keep your contributions going in there to maintain your insurance premiums, and then every year be rolling a bit of money in the hub twenty four to make sure more funds are continuously being rolled in over into the portfolio working harder for you long term. Because we are recommending more money move into hub twenty four, we do know the administration fees are expected to be slightly higher, about $62 for the expected to be slightly higher, about $62 for the first year.\n\nHowever, with the newer, investment portfolio, you're actually saving on, investment fees. And it shows to the first year, we expect you to to save about $464 in investment fees, which is a great saving to start with. It's more money staying in your super working harder for you. Mhmm. Underneath that, so that's essentially the the major changes and the reason behind the changes and why the research around that.\n\nIf you can scroll down there for me to page number 19, this is a sense of the\n\nChannel 1: Can\n\nChannel 0: investment\n\nChannel 1: I just\n\nChannel 0: changes\n\nChannel 1: can\n\nChannel 0: that\n\nChannel 1: I just\n\nChannel 0: we are\n\nChannel 1: ask\n\nChannel 0: making.\n\nChannel 1: you a quick can I just ask you\n\nChannel 0: Yeah.\n\nChannel 1: a quick question? So the fee\n\nChannel 0: Absolutely.\n\nChannel 1: in terms of the changing investments, what was that?\n\nChannel 0: Yes.\n\nChannel 1: Sorry.\n\nChannel 0: Which fee are you talking about? I'm sorry. The\n\nChannel 1: The the fee that for you to change the investments.\n\nChannel 0: the\n\nChannel 1: You\n\nChannel 0: the\n\nChannel 1: said\n\nChannel 0: CGT\n\nChannel 1: 900\n\nChannel 0: plus?\n\nChannel 1: yes.\n\nChannel 0: Yeah. The the capital gains cost is $950, and that's all dealt within the fund. So your\n\nChannel 1: Mhmm.\n\nChannel 0: super fund does tax returns every year the exact same way you do. Your fund does\n\nChannel 1: Yep.\n\nChannel 0: a separate one, and the super fund will account for the $950. It's the at the most, we could minimize the CGT cost while making sure the performance and the and the funds were working harder for you as well.\n\nChannel 1: Right. Okay. Got it. Yep.\n\nChannel 0: Yeah. That's okay.\n\nChannel 1: Thank\n\nChannel 0: Is there\n\nChannel 1: you.\n\nChannel 0: any other questions? Please feel free to let me know.\n\nChannel 1: Yeah. No. I don't think so. I think that was the only\n\nChannel 0: No. That's\n\nChannel 1: thing.\n\nChannel 0: okay.\n\nChannel 1: Yep. Okay. So where are we going\n\nChannel 0: Perfect.\n\nChannel 1: next?\n\nChannel 0: Down to page number 19 there for me.\n\nChannel 1: Mhmm.\n\nChannel 0: Beautiful. So these are essentially the changes that we are wanting to make. So having a look at your portfolio, we did note that the Ben along Australian Equities, which is this the second investment down, the first one under\n\nChannel 1: Yep.\n\nChannel 0: the hub twenty four line, that's one of the investments that has been underperforming heavily at this year. So we have decided to remove that completely from your portfolio.\n\nChannel 1: Mhmm.\n\nChannel 0: We are also looking to make some additional changes there. So to make it a bit easier, anything with the red and the negative, that's what we're\n\nChannel 1: Mhmm.\n\nChannel 0: gonna be\n\nChannel 1: Yep.\n\nChannel 0: selling down. So we'll be removing\n\nChannel 1: Sure.\n\nChannel 0: the Ben along Australian Equities, the battery and lithium tech. Bank hybrids are being removed now because they're actually being phased out as an investment class down the track by the government. So we wanna simplify things. And once we are making changes now, we may as well remove them and replace them rather than having to hold on. And then when the government makes those changes and tells us we have to make changes, then we would have to do it quickly.\n\nSo moving\n\nChannel 1: Mhmm.\n\nChannel 0: it all now, making a big change works out to your benefit\n\nChannel 1: Yes.\n\nChannel 0: now.\n\nChannel 1: Yep. Makes sense.\n\nChannel 0: With the this yeah. Physical Gold has done really well within your portfolio. We wanna hold about 10\n\nChannel 1: Mhmm.\n\nChannel 0: percent of that. You've got about 7.95% now, so we're gonna buy some more physical gold there for you.\n\nChannel 1: Yep.\n\nChannel 0: With the Vadis shares cybersecurity, we only wanna hold about 5%. So we're rebalancing that one back a little bit down\n\nChannel 1: Mhmm.\n\nChannel 0: from 8.45%. So just selling off a little bit of it. Defensive investments are low risk defensive investments like cash, bonds, and fixed interest. We wanna hold anywhere between sort of 10 to 20% in your portfolio there. So these\n\nChannel 1: Mhmm.\n\nChannel 0: are things like core composite bonds. So we do wanna hold some of those. You've got about 8.49%. At the moment, we wanna increase that exposure to 14% as you're a little bit underexposed in the defensive side of things currently. Okay?\n\nThe s and p 500, you've got about 29.14% at the moment. Just increasing that exposure to 30% to buying a little bit more. I know there has been a lot\n\nChannel 1: Right.\n\nChannel 0: of ups and downs with what's been happening\n\nChannel 1: Yeah.\n\nChannel 0: with The US, but it is still a really good place to be invested. It has seen good returns. And, yes, it's been up and down, but the market is still performing quite well. So we still wanna be invested in those sorts of areas. We are gonna remove off the VanEck Australian property investment.\n\nSelling that down has seen a bit of a pullback and hasn't really been performing the way we would like it to be, And we're altering your Australian exposure. So by removing Bannalong, we're also removing the Rafi 200. And instead\n\nChannel 1: Yep.\n\nChannel 0: of holding those two investments, we're gonna hold the a 200, which is on the next page at the very top there.\n\nChannel 1: Yes.\n\nChannel 0: By removing both of these, we're putting you into the top 200 companies on the ASX still giving you Australian exposure, but it is a lower cost way. It's tracking the top 200 index, and it's actually giving you greater diversification there as well. So this investment has proven much better. It's a much low cost, which means it's more money invested in your super working harder for you and has shown greater past performance than holding the other two investments. So we wanted to do a bit of a rejig for you, make sure we can simplify things a little bit, but also save you some money in the long run.\n\nOkay?\n\nChannel 1: Mhmm.\n\nChannel 0: Excellent. And then back on the last page again, they're just also investing in some Europe and some Japanese exposure, and then we've included the Vanguard all WorldX US investments. This is giving you exposure to the entire globe minus The US, and that's because we have exposure to the S and P 500 above there. So all in all, this portfolio has shown greater past performance, is much cheaper than your current portfolio, and it's also giving you greater diversification. And one of the ways that we look to mitigate market risk is to diversify as much as possible.\n\nAs you are getting older and closer to retirement, making sure that\n\nChannel 1: Yep.\n\nChannel 0: we can mitigate what risk we possibly can, have your super working harder, lowering fees where we can as well, and making sure to update and, you know, as I said, diversify your portfolio as much as possible is gonna help to put you in a much greater position moving forward. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Beautiful. It is a\n\nChannel 1: Great.\n\nChannel 0: lot, and I'm so sorry. I try to make\n\nChannel 1: No.\n\nChannel 0: it as\n\nChannel 1: That's\n\nChannel 0: easy\n\nChannel 1: alright.\n\nChannel 0: as\n\nChannel 1: I\n\nChannel 0: possible.\n\nChannel 1: yeah.\n\nChannel 0: But just feel free to run your eyes over that as well. Above those sections where duties. So just sort of relating it back to your goals and making sure that everything is working harder for you. The advantages here are it is a lower cost portfolio, greater diversification, which is important, has shown a greater past performance, which is important as well. Rolling money out of aware into hub twenty four means that you've got more money invested in the portfolio working harder.\n\nThe hub twenty four portfolio has performed greater than the aware portfolio over longer terms. We wanna sure money is being rolled over collectively, but still retaining Aware for you to make sure that, you know, you you sorry. You do have that level of cover. I did check the investments within Aware. There's no need to change those currently when we look at the two portfolios as a whole.\n\nThe funds in Aware do complement the hub twenty four portfolio nicely, so it's about making\n\nChannel 1: Correct.\n\nChannel 0: sure that we need only move what we have to to limit the the the cost of transferring funds\n\nChannel 1: Yes. Yep.\n\nChannel 0: for you.\n\nChannel 1: Perfect.\n\nChannel 0: Excellent. But please feel free to have a read to the document. We've outlined the advantages\n\nChannel 1: Mhmm.\n\nChannel 0: and disadvantages of risks involved. I go through a few of them for you, but I do like you to go back and have a read. Let me know if\n\nChannel 1: Yeah.\n\nChannel 0: there's any\n\nChannel 1: Absolutely.\n\nChannel 0: questions.\n\nChannel 1: Yep.\n\nChannel 0: A\n\nChannel 1: Sure.\n\nChannel 0: lot of what I'm going through when you're looking at it, it's a lot, and I get that. So having\n\nChannel 1: Yep.\n\nChannel 0: some time to go back and read the document in your own time is real beneficial as well.\n\nChannel 1: Sure.\n\nChannel 0: You have your beneficiaries in place, and you are comfortable with those as they were. But I've also just made a slight recommendation in here to make sure you do have your will and power of attorney set up. So the other side of the estate planning is making sure that you do have a will, a power of attorney to protect you in the event that something was to happen. Your life\n\nChannel 1: Mhmm.\n\nChannel 0: insurance and your super beneficiaries cover those aspects. But having a will in place covers everything else that you've worked hard for, your car, your contents, your savings accounts,\n\nChannel 1: Yep.\n\nChannel 0: all your assets,\n\nChannel 1: Mhmm.\n\nChannel 0: all the things you may not see as important, realistically, still have to be sold off and could could equate to quite a bit of money that would need to be passed on to your family, or they could be some family heirlooms or something of importance that means something to members of your family that you might wanna have passed down\n\nChannel 1: Mhmm.\n\nChannel 0: or requested to someone important. So having that will done up is really important to do so by a legal a solicitor can do one very simply if you have one close to you. Alternatively,\n\nChannel 1: Yep.\n\nChannel 0: a lot of the states do have, like, the state trustees. You can contact them, and they can do bills up a lot cheaper for you if it's less complex.\n\nChannel 1: Sure.\n\nChannel 0: I have got clients who who've pre preferred, sorry, to just go to the post office and get a will kit as well. And as long as it's filled out as per the directions on the the wheel kit itself, it can be completely fine. Obviously, not having a wheel done by a solicitor can mean it is contestable. Most wheels all wheels are always contestable, but having something done by a solicitor does mean\n\nChannel 1: Mhmm.\n\nChannel 0: whilst the cost is higher, it is less likely to be contested in you know, your wishes are more likely to be adhered to and followed directions followed through nicely for you. And then with with just the power of attorney, making sure that you've directed that there's a direction for someone to act in your best interest, whether it be medically or financially in the event that you're unable to do so for yourself. So we like to just make sure we update those areas and that those things are updated and thought about. It's not the best conversation to have, but it's definitely an important one to sort of think\n\nChannel 1: Absolutely.\n\nChannel 0: about what how would I want people to act on my behalf and what do I want to happen to everything I've worked so hard for. So\n\nChannel 1: Mhmm.\n\nChannel 0: yeah. Excellent.\n\nChannel 1: Sure.\n\nChannel 0: Excellent. The only other thing to sorta note in there is that we've got the ongoing service agreement in here. There's no upfront or implementation fees for the advice. That's all part of the services we provide to you. You do pay an ongoing service fee of 1.65% per annum, which is deducted on a monthly basis, and small income is from your super for our services and updating the advice.\n\nSo that is all reflected into the projection table and the outcome side of things for you. And we do have the updated ongoing service agreement attached to the the order sign for you. So if you're happy to go ahead with the recommendations and remain a client, we'll just ask you to sign and return those documents back to me.\n\nChannel 1: Perfect.\n\nChannel 0: If you like if you do like reading, what everyone does, I have also attached the appendices for you and the product disclosure statements attached for hub twenty four and the investment side of things. So you are welcome to have a look through any of those documents,\n\nChannel 1: Great.\n\nChannel 0: have a bit of a read up on the products themselves as well. Okay?\n\nChannel 1: Sure. Absolutely. That's perfect. Thank you very much.\n\nChannel 0: Excellent. That's okay. The last thing to make mention is it looks like your ID has expired on file. We will need\n\nChannel 1: Oh,\n\nChannel 0: to\n\nChannel 1: okay.\n\nChannel 0: update your ID. So I'll just get my colleague Samantha to send you a message, if that's okay, just by\n\nChannel 1: Brilliant.\n\nChannel 0: our office phone, and\n\nChannel 1: Sure.\n\nChannel 0: she'll just request an update of your ID there as well. But do\n\nChannel 1: Lovely.\n\nChannel 0: you have any questions for me at the moment? Sorry.\n\nChannel 1: No. Look. That was very thorough. Thank you very much.\n\nChannel 0: Thanks.\n\nChannel 1: I will cast my eye over that this evening\n\nChannel 0: Perfect.\n\nChannel 1: when I knock off, and I will\n\nChannel 0: Lovely.\n\nChannel 1: get that signed and returned. Thank you very much. But from what I can see, all looks\n\nChannel 0: Perfect.\n\nChannel 1: fabulous.\n\nChannel 0: Thank you very much, Deborah. I will let you go. I appreciate you taking my phone call. I hope you have a lovely afternoon, and let me know if there's any questions that come from any of any part of that document.\n\nChannel 1: You\n\nChannel 0: Okay?\n\nChannel 1: too. Thank you so much for your time. I appreciate it.\n\nChannel 0: No worries. You enjoy your day. Thank you so\n\nChannel 1: You\n\nChannel 0: much.\n\nChannel 1: too. Bye\n\nChannel 0: See you\n\nChannel 1: bye.\n\nChannel 0: later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.16,"end":0.39999998,"sentiment":"neutral","sentiment_score":0.024752283468842503},{"text":"Debbie speaking.","start":0.39999998,"end":1.22,"sentiment":"neutral","sentiment_score":0.03149957023561001}],"sentiment":"neutral","sentiment_score":0.029250474646687508,"channel":1,"num_words":3,"start":0.16,"end":1.22},{"sentences":[{"text":"Hi, 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moment.","start":228.4,"end":230.95999,"sentiment":"neutral","sentiment_score":-0.08618354486922424},{"text":"However,","start":230.95999,"end":231.43999,"sentiment":"neutral","sentiment_score":0.00379057414829731}],"sentiment":"neutral","sentiment_score":-0.057975297793745995,"channel":0,"num_words":21,"start":225.2,"end":231.43999},{"sentences":[{"text":"Sure.","start":230.99,"end":231.49,"sentiment":"neutral","sentiment_score":0.1070203110575676}],"sentiment":"neutral","sentiment_score":0.1070203110575676,"channel":1,"num_words":1,"start":230.99,"end":231.49},{"sentences":[{"text":"it's worth retaining to give you","start":231.43999,"end":233.2,"sentiment":"neutral","sentiment_score":0.1274095674355825}],"sentiment":"neutral","sentiment_score":0.1274095674355825,"channel":0,"num_words":6,"start":231.43999,"end":233.2},{"sentences":[{"text":"Mhmm.","start":233.15,"end":233.65,"sentiment":"neutral","sentiment_score":0.09381962567567824}],"sentiment":"neutral","sentiment_score":0.09381962567567824,"channel":1,"num_words":1,"start":233.15,"end":233.65},{"sentences":[{"text":"a level of cover that isn't available elsewhere Okay?","start":233.2,"end":238.865,"sentiment":"neutral","sentiment_score":0.01672996435728338},{"text":"Excellent.","start":238.925,"end":239.425,"sentiment":"positive","sentiment_score":0.6352134943008423},{"text":"To make things easier, I will let you go back and have a really good read of the document.","start":239.685,"end":244.04501,"sentiment":"positive","sentiment_score":0.5134206335795554},{"text":"We do outline the strategy nice and easily for you, but so as I'm not taking up too much of your time, I'll direct you to the pages that I need to go through with you, give you the information required, and then you get to go back and have a bit of a look at it in your own time there as well.","start":244.04501,"end":258.74,"sentiment":"positive","sentiment_score":0.352647959953174}],"sentiment":"positive","sentiment_score":0.35602413600571053,"channel":0,"num_words":93,"start":233.2,"end":258.74},{"sentences":[{"text":"Sure.","start":258.36002,"end":258.86002,"sentiment":"neutral","sentiment_score":0.2411476969718933}],"sentiment":"neutral","sentiment_score":0.2411476969718933,"channel":1,"num_words":1,"start":258.36002,"end":258.86002},{"sentences":[{"text":"Okay?","start":258.8,"end":259.3,"sentiment":"neutral","sentiment_score":0.25755512714385986},{"text":"Beautiful.","start":259.6,"end":260.1,"sentiment":"positive","sentiment_score":0.6923694610595703},{"text":"If I can get you to scroll down to page number 17 there for me, I'll go through the the bulk of the recommendations and show you the changes I'd like to make.","start":260.96,"end":268.89502,"sentiment":"positive","sentiment_score":0.38978008429209393}],"sentiment":"positive","sentiment_score":0.394647639138358,"channel":0,"num_words":35,"start":258.8,"end":268.89502},{"sentences":[{"text":"Yep.","start":270.165,"end":270.485,"sentiment":"neutral","sentiment_score":0.19401775300502777},{"text":"Got it.","start":270.485,"end":271.305,"sentiment":"neutral","sentiment_score":0.290876179933548}],"sentiment":"neutral","sentiment_score":0.25859003762404126,"channel":1,"num_words":3,"start":270.165,"end":271.305},{"sentences":[{"text":"Excellent.","start":271.595,"end":272.095,"sentiment":"positive","sentiment_score":0.5894806385040283},{"text":"This is a big comparison table there.","start":272.155,"end":274.155,"sentiment":"positive","sentiment_score":0.4824626403195517},{"text":"So as I kinda went through, I did have a look at your super as well as the underlying investments within Hub twenty four and Aware Super.","start":274.155,"end":280.73502,"sentiment":"neutral","sentiment_score":0.23921791878011492},{"text":"I am recommending","start":280.9,"end":281.69998,"sentiment":"neutral","sentiment_score":0.22831831375757852}],"sentiment":"neutral","sentiment_score":0.29238310181780863,"channel":0,"num_words":38,"start":271.595,"end":281.69998},{"sentences":[{"text":"Mhmm.","start":281.285,"end":281.785,"sentiment":"neutral","sentiment_score":0.18476849794387817}],"sentiment":"neutral","sentiment_score":0.18476849794387817,"channel":1,"num_words":1,"start":281.285,"end":281.785},{"sentences":[{"text":"we retain both those funds.","start":281.69998,"end":283.46,"sentiment":"neutral","sentiment_score":0.13953795731067659},{"text":"Aware Super holds the insurances which are appropriate, and it's important to hold those for the time being.","start":283.46,"end":289.24,"sentiment":"neutral","sentiment_score":0.22776940713326135},{"text":"We'll keep reviewing those 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fund.","start":304.685,"end":309.75,"sentiment":"neutral","sentiment_score":0.014333091303706169},{"text":"I did look","start":309.75,"end":310.38998,"sentiment":"neutral","sentiment_score":0.06657923261324565}],"sentiment":"neutral","sentiment_score":0.05149740300839767,"channel":0,"num_words":32,"start":301.48502,"end":310.38998},{"sentences":[{"text":"Mhmm.","start":310.21,"end":310.71,"sentiment":"neutral","sentiment_score":0.06879900395870209}],"sentiment":"neutral","sentiment_score":0.06879900395870209,"channel":1,"num_words":1,"start":310.21,"end":310.71},{"sentences":[{"text":"at the the CDT implications of moving to any other super fund out there.","start":310.38998,"end":314.88998,"sentiment":"neutral","sentiment_score":0.09043067241353649},{"text":"You have had some really good growth over the past couple of years.","start":314.94998,"end":317.75,"sentiment":"positive","sentiment_score":0.36847291313684905},{"text":"So the CDT for selling the portfolio completely down and moving the funds out was gonna be a lot higher.","start":317.75,"end":323.99,"sentiment":"neutral","sentiment_score":0.09640488736331462},{"text":"So I looked at hub twenty four compared that as a fund.","start":323.99,"end":327.35498,"sentiment":"neutral","sentiment_score":0.13578924474616846},{"text":"It is still appropriate, and it does have a wide range of investments for us to be able to make switches within the funds so that you're","start":327.35498,"end":334.155,"sentiment":"positive","sentiment_score":0.38200240223496046}],"sentiment":"neutral","sentiment_score":0.23171873057131157,"channel":0,"num_words":86,"start":310.38998,"end":334.155},{"sentences":[{"text":"Mhmm.","start":334.08502,"end":334.58502,"sentiment":"neutral","sentiment_score":0.04308469966053963}],"sentiment":"neutral","sentiment_score":0.04308469966053963,"channel":1,"num_words":1,"start":334.08502,"end":334.58502},{"sentences":[{"text":"still your sleep is working as hard as possible for you, but that you're not having to have huge tax consequences within the super fund there as well.","start":334.155,"end":341.99002,"sentiment":"neutral","sentiment_score":0.2740120845181601},{"text":"Okay?","start":342.05002,"end":342.55002,"sentiment":"neutral","sentiment_score":0.11308036744594574}],"sentiment":"neutral","sentiment_score":0.26846271496394586,"channel":0,"num_words":29,"start":334.155,"end":342.55002},{"sentences":[{"text":"Sure.","start":342.44,"end":342.94,"sentiment":"neutral","sentiment_score":0.2065562605857849}],"sentiment":"neutral","sentiment_score":0.2065562605857849,"channel":1,"num_words":1,"start":342.44,"end":342.94},{"sentences":[{"text":"So at the moment between the funds, you do have your administration fees, investment fees, any other fees applicable.","start":343.89,"end":349.75,"sentiment":"neutral","sentiment_score":0.140208149034726},{"text":"The ongoing service fee fee is coming out of hub twenty four for us to look after your sleep and monitor everything and provide ongoing advice to support you towards retirement and into those retirement years there as well.","start":349.81,"end":361.60498,"sentiment":"neutral","sentiment_score":0.2751428461991824},{"text":"Contributions are going into aware and wanna keep those in aware because that's a secondary measure for making sure your insurances stay in place for you.","start":361.985,"end":370.05002,"sentiment":"neutral","sentiment_score":0.24660726350087386}],"sentiment":"neutral","sentiment_score":0.23578946052917413,"channel":0,"num_words":84,"start":343.89,"end":370.05002},{"sentences":[{"text":"Mhmm.","start":370.47998,"end":370.97998,"sentiment":"neutral","sentiment_score":0.09273406863212584}],"sentiment":"neutral","sentiment_score":0.09273406863212584,"channel":1,"num_words":1,"start":370.47998,"end":370.97998},{"sentences":[{"text":"And then your insurance premium, only a minor cost coming out of your aware super as 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you.","start":398.47998,"end":407.935,"sentiment":"neutral","sentiment_score":0.22777420934289694},{"text":"Okay?","start":407.935,"end":408.435,"sentiment":"neutral","sentiment_score":0.07426738739013672}],"sentiment":"neutral","sentiment_score":0.13058431712644442,"channel":0,"num_words":70,"start":389.005,"end":408.435},{"sentences":[{"text":"Okay.","start":409.075,"end":409.575,"sentiment":"neutral","sentiment_score":0.10548464953899384}],"sentiment":"neutral","sentiment_score":0.10548464953899384,"channel":1,"num_words":1,"start":409.075,"end":409.575},{"sentences":[{"text":"I'll take you through the changes I'm going to make, but, essentially, with the newer portfolio, it's actually had a much higher rate of return.","start":409.935,"end":416.175,"sentiment":"neutral","sentiment_score":0.12151943564414978},{"text":"So it's still not growth environment giving you the eighty twenty split, but the newer portfolio has seen a 10.72 return.","start":416.175,"end":423.51,"sentiment":"neutral","sentiment_score":0.13665672746442614},{"text":"So that newer portfolio I'd like to put you in has seen a greater past performance, which is which is much better, can put you in a much greater position moving forward.","start":423.51,"end":432.17,"sentiment":"positive","sentiment_score":0.47552607860416174},{"text":"And the CGT cost for making the switch of investments is only estimated to be $950.","start":432.71002,"end":438.27502,"sentiment":"neutral","sentiment_score":0.3006368726491928},{"text":"So a very small cost to your super fund to be able to alter those investments in the back 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you","start":514.55,"end":516.255,"sentiment":"neutral","sentiment_score":0.002856943116057664}],"sentiment":"neutral","sentiment_score":0.002856943116057664,"channel":1,"num_words":8,"start":514.55,"end":516.255},{"sentences":[{"text":"Yeah.","start":516.065,"end":516.565,"sentiment":"neutral","sentiment_score":0.0005014026537537575}],"sentiment":"neutral","sentiment_score":0.0005014026537537575,"channel":0,"num_words":1,"start":516.065,"end":516.565},{"sentences":[{"text":"a quick question?","start":516.255,"end":516.975,"sentiment":"neutral","sentiment_score":-0.00021245408182342854},{"text":"So the fee","start":516.975,"end":517.77496,"sentiment":"neutral","sentiment_score":-0.004670281894505024}],"sentiment":"neutral","sentiment_score":-0.002441367988164226,"channel":1,"num_words":6,"start":516.255,"end":517.77496},{"sentences":[{"text":"Absolutely.","start":517.58496,"end":518.08496,"sentiment":"neutral","sentiment_score":0.000875488854944706}],"sentiment":"neutral","sentiment_score":0.000875488854944706,"channel":0,"num_words":1,"start":517.58496,"end":518.08496},{"sentences":[{"text":"in terms of the changing investments, what was 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only other thing to sorta note in there is that we've got the ongoing service agreement in here.","start":1043.715,"end":1048.4349,"sentiment":"neutral","sentiment_score":0.11487790099100063},{"text":"There's no upfront or implementation fees for the advice.","start":1048.4349,"end":1051.475,"sentiment":"neutral","sentiment_score":0.07098574356900321},{"text":"That's all part of the services we provide to you.","start":1051.475,"end":1054.215,"sentiment":"neutral","sentiment_score":0.10507341623306274},{"text":"You do pay an ongoing service fee of 1.65% per annum, which is deducted on a monthly basis, and small income is from your super for our services and updating the advice.","start":1054.5,"end":1064.02,"sentiment":"neutral","sentiment_score":0.0758441083598882}],"sentiment":"neutral","sentiment_score":0.09692625496798837,"channel":0,"num_words":71,"start":1042.9149,"end":1064.02},{"sentences":[{"text":"So that is all reflected into the projection table and the outcome side of 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have also attached the appendices for you and the product disclosure statements attached for hub twenty four and the investment side of things.","start":1081.1001,"end":1092.3,"sentiment":"neutral","sentiment_score":0.1767271780541965},{"text":"So you are welcome to have a look through any of those documents,","start":1092.3,"end":1094.9049,"sentiment":"neutral","sentiment_score":0.16460639926103446}],"sentiment":"neutral","sentiment_score":0.17344446713104844,"channel":0,"num_words":48,"start":1081.1001,"end":1094.9049},{"sentences":[{"text":"Great.","start":1094.45,"end":1094.775,"sentiment":"positive","sentiment_score":0.4201032519340515}],"sentiment":"positive","sentiment_score":0.4201032519340515,"channel":1,"num_words":1,"start":1094.45,"end":1094.775},{"sentences":[{"text":"have a bit of a read up on the products themselves as well.","start":1094.9049,"end":1097.6449,"sentiment":"neutral","sentiment_score":0.2080279433956513},{"text":"Okay?","start":1097.705,"end":1098.205,"sentiment":"neutral","sentiment_score":0.12433794140815736}],"sentiment":"neutral","sentiment_score":0.2020500861108303,"channel":0,"num_words":14,"start":1094.9049,"end":1098.205},{"sentences":[{"text":"Sure.","start":1098.055,"end":1098.4551,"sentiment":"neutral","sentiment_score":0.19614532589912417},{"text":"Absolutely.","start":1098.4551,"end":1098.9551,"sentiment":"positive","sentiment_score":0.3577007055282593},{"text":"That's perfect.","start":1099.255,"end":1099.975,"sentiment":"positive","sentiment_score":0.6176867187023163},{"text":"Thank you very 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need","start":1106.52,"end":1107.0,"sentiment":"neutral","sentiment_score":-0.0013802573084831238}],"sentiment":"neutral","sentiment_score":0.02963980253447186,"channel":0,"num_words":22,"start":1100.825,"end":1107.0},{"sentences":[{"text":"Oh,","start":1106.855,"end":1107.095,"sentiment":"neutral","sentiment_score":0.01558484137058258}],"sentiment":"neutral","sentiment_score":0.01558484137058258,"channel":1,"num_words":1,"start":1106.855,"end":1107.095},{"sentences":[{"text":"to","start":1107.0,"end":1107.24,"sentiment":"neutral","sentiment_score":0.014327380806207657}],"sentiment":"neutral","sentiment_score":0.014327380806207657,"channel":0,"num_words":1,"start":1107.0,"end":1107.24},{"sentences":[{"text":"okay.","start":1107.095,"end":1107.595,"sentiment":"neutral","sentiment_score":0.03427775949239731}],"sentiment":"neutral","sentiment_score":0.03427775949239731,"channel":1,"num_words":1,"start":1107.095,"end":1107.595},{"sentences":[{"text":"update your 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and","start":1112.36,"end":1113.8,"sentiment":"neutral","sentiment_score":0.122699910774827}],"sentiment":"neutral","sentiment_score":0.122699910774827,"channel":0,"num_words":4,"start":1112.36,"end":1113.8},{"sentences":[{"text":"Sure.","start":1113.7999,"end":1114.2999,"sentiment":"neutral","sentiment_score":0.08621335029602051}],"sentiment":"neutral","sentiment_score":0.08621335029602051,"channel":1,"num_words":1,"start":1113.7999,"end":1114.2999},{"sentences":[{"text":"she'll just request an update of your ID there as well.","start":1113.8,"end":1116.6,"sentiment":"neutral","sentiment_score":0.0705825991251252},{"text":"But do","start":1116.6,"end":1117.0801,"sentiment":"neutral","sentiment_score":0.06300028413534164}],"sentiment":"neutral","sentiment_score":0.06941608912669696,"channel":0,"num_words":13,"start":1113.8,"end":1117.0801},{"sentences":[{"text":"Lovely.","start":1117.08,"end":1117.58,"sentiment":"neutral","sentiment_score":0.14265021681785583}],"sentiment":"neutral","sentiment_score":0.14265021681785583,"channel":1,"num_words":1,"start":1117.08,"end":1117.58},{"sentences":[{"text":"you have any questions for me at the 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much.","start":1121.3999,"end":1122.2799,"sentiment":"positive","sentiment_score":0.5235481709241867}],"sentiment":"positive","sentiment_score":0.37151371240615844,"channel":1,"num_words":10,"start":1119.8799,"end":1122.2799},{"sentences":[{"text":"Thanks.","start":1122.195,"end":1122.695,"sentiment":"positive","sentiment_score":0.4438995122909546}],"sentiment":"positive","sentiment_score":0.4438995122909546,"channel":0,"num_words":1,"start":1122.195,"end":1122.695},{"sentences":[{"text":"I will cast my eye over that this 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looks","start":1128.985,"end":1131.005,"sentiment":"positive","sentiment_score":0.35039280354976654}],"sentiment":"positive","sentiment_score":0.3708987937254064,"channel":1,"num_words":17,"start":1126.745,"end":1131.005},{"sentences":[{"text":"Perfect.","start":1130.915,"end":1131.415,"sentiment":"positive","sentiment_score":0.5491254329681396}],"sentiment":"positive","sentiment_score":0.5491254329681396,"channel":0,"num_words":1,"start":1130.915,"end":1131.415},{"sentences":[{"text":"fabulous.","start":1131.305,"end":1131.805,"sentiment":"neutral","sentiment_score":0.23901145160198212}],"sentiment":"neutral","sentiment_score":0.23901145160198212,"channel":1,"num_words":1,"start":1131.305,"end":1131.805},{"sentences":[{"text":"Thank you very much, Deborah.","start":1132.355,"end":1133.795,"sentiment":"positive","sentiment_score":0.8473759412765502},{"text":"I will let you go.","start":1133.795,"end":1134.595,"sentiment":"positive","sentiment_score":0.7042099833488464},{"text":"I appreciate you taking my phone call.","start":1134.595,"end":1136.17,"sentiment":"positive","sentiment_score":0.8181634630475726},{"text":"I hope you have a lovely afternoon, and let me know if there's any questions that come from any of any part of that 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you","start":1147.13,"end":1147.4501,"sentiment":"neutral","sentiment_score":0.3024302124977112}],"sentiment":"neutral","sentiment_score":0.3024302124977112,"channel":0,"num_words":2,"start":1147.13,"end":1147.4501},{"sentences":[{"text":"bye.","start":1147.3099,"end":1147.8099,"sentiment":"neutral","sentiment_score":0.20889493823051453}],"sentiment":"neutral","sentiment_score":0.20889493823051453,"channel":1,"num_words":1,"start":1147.3099,"end":1147.8099},{"sentences":[{"text":"later.","start":1147.4501,"end":1147.9501,"sentiment":"neutral","sentiment_score":0.18602730333805084},{"text":"Bye.","start":1148.17,"end":1148.67,"sentiment":"neutral","sentiment_score":-0.0981062650680542}],"sentiment":"neutral","sentiment_score":0.04396051913499832,"channel":0,"num_words":2,"start":1147.4501,"end":1148.67}]},"summary":{"result":"success","short":"Representatives from Oakey Financial and Oakey Financial discuss updating Deborah's portfolio and risk tolerance, recommending holding both insurance and the super fund, and updating investments in the hub 24 to maintain insurance premiums. They also provide information on risk tolerance and recommend updating investments and risk tolerance. The speakers emphasize the importance of protecting family members and signing documents for future updates."},"intents":{"segments":[{"text":"So so I just go to sign documents. That's the one. Yep.","start_word":190,"end_word":201,"intents":[{"intent":"Confirm document completion","confidence_score":0.00002091039}]},{"text":"Essentially, our documents are valid for sixty days from the date on the document there, so we try to date them as close to your presentation date as possible to give you that length of time to review the document. Okay? Sure.","start_word":334,"end_word":375,"intents":[{"intent":"Review documents","confidence_score":0.14939462}]},{"text":"This document here was looking at updating your portfolio and your super debt. So you originally had a goal of wanting to hopefully retire by the age of 65, and in those retirement years, drawing down an income of about $1,200 per week. Does that goal still sound appropriate to you? Yes. It does.","start_word":412,"end_word":465,"intents":[{"intent":"Review portfolio","confidence_score":0.40507993},{"intent":"Review portfolio","confidence_score":0.29655948}]},{"text":"In Aware Super, the current balance is showing $39,411.95 there, and you've got your Mhmm. insurances in place.","start_word":703,"end_word":720,"intents":[{"intent":"Review portfolio's balance","confidence_score":4.3166526e-7}]},{"text":"at the the CDT implications of moving to any other super fund out there. You have had some really good growth over the past couple of years. So the CDT for selling the portfolio completely down and moving the funds out was gonna be a lot higher.","start_word":1018,"end_word":1064,"intents":[{"intent":"Discuss cdt implications","confidence_score":0.0006670898}]},{"text":"The ongoing service fee fee is coming out of hub twenty four for us to look after your sleep and monitor everything and provide ongoing advice to support you towards retirement and into those retirement years there as well.","start_word":1154,"end_word":1192,"intents":[{"intent":"Provide advice","confidence_score":0.034410443}]},{"text":"Contributions are going into aware and wanna keep those in aware because that's a secondary measure for making sure your insurances stay in place for you.","start_word":1193,"end_word":1218,"intents":[{"intent":"Understand contributions","confidence_score":0.0076618814}]},{"text":"When we have a bit of a look at the last five years and the performance of the current fund that you're in between Hub twenty four and Aware, it's averaged about a 8.34% return, which isn't bad in any way, shape, or form. But as Mhmm.","start_word":1237,"end_word":1283,"intents":[{"intent":"Check portfolio performance","confidence_score":0.0038562275}]},{"text":"So investments that were great three, four, or five years down the track do need to be updated on a regular basis.","start_word":1299,"end_word":1320,"intents":[{"intent":"Update investments","confidence_score":0.75028515}]},{"text":"And the CGT cost for making the switch of investments is only estimated to be $950. So a very small cost to your super fund to be able to alter those investments in the back end. Okay.","start_word":1433,"end_word":1469,"intents":[{"intent":"Consider cgt cost","confidence_score":0.043144863}]},{"text":"However, I am recommending that we do roll some money out of Aware and into hub twenty four. We wanna leave 10,000 behind, keep your contributions going in there to maintain your insurance premiums, and then every year be rolling a bit of money in the hub twenty four to make sure more funds are continuously being rolled in over into the portfolio working harder for you long term.","start_word":1494,"end_word":1562,"intents":[{"intent":"Make recommendations","confidence_score":0.0012142247}]},{"text":"So these are essentially the changes that we are wanting to make. So having a look at your portfolio, we did note that the Ben along Australian Equities, which is this the second investment down, the first one under Yep. the hub twenty four line, that's one of the investments that has been underperforming heavily at this year. So we have decided to remove that completely from your portfolio.","start_word":1888,"end_word":1956,"intents":[{"intent":"Make investment changes","confidence_score":0.006179682}]},{"text":"So we still wanna be invested in those sorts of areas.","start_word":2318,"end_word":2328,"intents":[{"intent":"Invest in markets","confidence_score":0.011337265}]},{"text":"As you are getting older and closer to retirement, making sure that Yep. we can mitigate what risk we possibly can, have your super working harder, lowering fees where we can as well, and making sure to update and, you know, as I said, diversify your portfolio as much as possible is gonna help to put you in a much greater position moving forward. Okay? Okay.","start_word":2619,"end_word":2684,"intents":[{"intent":"Manage portfolio strategies","confidence_score":0.0005320666}]},{"text":"But I've also just made a slight recommendation in here to make sure you do have your will and power of attorney set up.","start_word":3013,"end_word":3036,"intents":[{"intent":"Set up will and power of attorney","confidence_score":0.33978906}]},{"text":"So the other side of the estate planning is making sure that you do have a will, a power of attorney to protect you in the event that something was to happen. Your life Mhmm.","start_word":3037,"end_word":3071,"intents":[{"intent":"Protect assets and assets","confidence_score":0.077897534}]},{"text":"a lot of the states do have, like, the state trustees. You can contact them, and they can do bills up a lot cheaper for you if it's less complex. Sure.","start_word":3205,"end_word":3235,"intents":[{"intent":"Contact state trustees and receive will kit","confidence_score":0.0013524025}]},{"text":"And then with with just the power of attorney, making sure that you've directed that there's a direction for someone to act in your best interest, whether it be medically or financially in the event that you're unable to do so for yourself.","start_word":3344,"end_word":3386,"intents":[{"intent":"Direct to act in best interest","confidence_score":0.0021378803}]},{"text":"So we like to just make sure we update those areas and that those things are updated and thought about.","start_word":3388,"end_word":3407,"intents":[{"intent":"Update area","confidence_score":0.035321675},{"intent":"Update documents","confidence_score":0.17791885}]},{"text":"Perfect.","start_word":3588,"end_word":3588,"intents":[{"intent":"Recommend email communication","confidence_score":0.0000022220142}]},{"text":"The last thing to make mention is it looks like your ID has expired on file. We will need Oh, to okay. update your ID. So I'll just get my colleague Samantha to send you a message, if that's okay, just by our Brilliant. office phone, and Sure. she'll just request an update of your ID there as well. But do Lovely.","start_word":3663,"end_word":3724,"intents":[{"intent":"Request update of id","confidence_score":0.20824157}]},{"text":"you have any questions for me at the moment?","start_word":3725,"end_word":3733,"intents":[{"intent":"Leave feedback","confidence_score":0.000021651847}]}]},"sentiments":{"segments":[{"text":"Hello? Debbie speaking. Hi, Deborah. This Is is it Zena good from as the Oakey training? Financial. How are you this afternoon?","start_word":0,"end_word":21,"sentiment":"neutral","sentiment_score":0.1690979301929474},{"text":"I'm really well. Thanks. How are you going? I'm very well. Thank you. Thanks for asking. I just had you posted to go through your updated statement of advice.","start_word":22,"end_word":50,"sentiment":"positive","sentiment_score":0.494962215423584},{"text":"Is now still a good time there for you? Yeah.","start_word":51,"end_word":60,"sentiment":"neutral","sentiment_score":0.3029729425907135},{"text":"Absolutely. Thank you. Fantastic. I'm just gonna send this one through to you via email.","start_word":61,"end_word":75,"sentiment":"positive","sentiment_score":0.4228450655937195},{"text":"Are you able to access your emails there at all? I can my sorry. Hang on. I'm just That's okay. If you can, I it's honestly should be fine. able to. Yes. That's okay. I think That's I okay. can, actually. Yep. Not a problem. I've emailed that one through to you, so it should come through from. I'm just. Hopefully, fairly quickly, they're for you as well. Mhmm. All good. And just all that is coming through, Deborah, just to let you know, we do record our calls for quality and training purposes. Moving forward, are you comfortable with that? Yep. Not a problem.","start_word":76,"end_word":180,"sentiment":"neutral","sentiment_score":0.17540346086025238},{"text":"Fantastic.","start_word":181,"end_word":181,"sentiment":"positive","sentiment_score":0.34631645679473877},{"text":"So sorry. I'm in my emails now. Yes. So so I just go to sign documents. That's the one. Yep. If you press on that button, it'll take you through so you can see the statement of advice, and it should let you scroll up and down there as well. Yep. Sure. Got it. Is it working okay for you? It is. Yep. Yep.","start_word":182,"end_word":245,"sentiment":"neutral","sentiment_score":0.10503901541233064},{"text":"Beautiful. Lovely.","start_word":246,"end_word":247,"sentiment":"positive","sentiment_score":0.39684733748435974},{"text":"I just need to do a quick security Don't be check there with you as well just to confirm your full name, your date of birth, and address I should have on file for you. Sure. Deborah Hatcher. Twenty fourth and second seventy four. Sorry. What was the other thing? Your address. Sorry. It's 88 Forkner Road at Wairalla.","start_word":248,"end_word":306,"sentiment":"neutral","sentiment_score":0.06607291102409363},{"text":"Lovely. Thank you so much for that.","start_word":307,"end_word":313,"sentiment":"positive","sentiment_score":0.4730961620807648},{"text":"So this document here on the front page, Deborah, will have prepared for yourself as of the 08/03/2026. Mhmm. Essentially, our documents are valid for sixty days from the date on the document there, so we try to date them as close to your presentation date as possible to give you that length of time to review the document. Okay? Sure. On the bottom of the front page, it has prepared by myself here and my beautiful team. I'm an authorized representative of Ophi Financial, and my authorized representative number registered with ASIC is 1304394. Okay. Mhmm.","start_word":314,"end_word":410,"sentiment":"neutral","sentiment_score":0.11956434766041864},{"text":"Excellent.","start_word":411,"end_word":411,"sentiment":"positive","sentiment_score":0.52320796251297},{"text":"This document here was looking at updating your portfolio and your super debt. So you originally had a goal of wanting to hopefully retire by the age of 65, and in those retirement years, drawing down an income of about $1,200 per week. Does that goal still sound appropriate to you? Yes. It does. Yep. Yep.","start_word":412,"end_word":467,"sentiment":"neutral","sentiment_score":0.17800211906433103},{"text":"Fantastic.","start_word":468,"end_word":468,"sentiment":"positive","sentiment_score":0.5593088865280151},{"text":"We have a scoped in the superannuation end of the portfolio there. So we have sort of when we spoke to you last noted there could be some changes to make to your portfolio. You've got your Aware Super, which we do need to retain to keep your insurance in place. Mhmm. But we wanted to review both the Aware Super and your current portfolio within Hub twenty four to make sure it was still appropriate for you, that Mhmm. it was working harder. When I did kinda go back and review things, I had noticed there was some underperforming investments that I wanted to look at replacing for you. So Yep. I've got an updated portfolio for you to go through. Okay? Right. Thank you. That's okay. If I can get you to scroll down for me just to page number eight. This is just sort of having a look at your assets and liabilities there. This is what we had noted when we last called up. Is there any changes you would like to have us make in the back end or anything different we might need to add now at all for you? No. Probably not. No. That that's okay. That's not a problem at all. And then the next page outlines your current super balance there. So within hub twenty four at the moment, you've got a 161,240 and 65<unk>. In Aware Super, the current balance is showing $39,411.95 there, and you've got your Mhmm. insurances in place. There's some license and TPD. It is only a very small amount of cover at the moment. However, Sure. it's worth retaining to give you Mhmm. a level of cover that isn't available elsewhere Okay?","start_word":469,"end_word":755,"sentiment":"neutral","sentiment_score":0.06013576648415485},{"text":"Excellent. To make things easier, I will let you go back and have a really good read of the document. We do outline the strategy nice and easily for you, but so as I'm not taking up too much of your time, I'll direct you to the pages that I need to go through with you, give you the information required, and then you get to go back and have a bit of a look at it in your own time there as well.","start_word":756,"end_word":839,"sentiment":"positive","sentiment_score":0.3925323486328125},{"text":"Sure. Okay?","start_word":840,"end_word":841,"sentiment":"neutral","sentiment_score":0.2493514120578766},{"text":"Beautiful. If I can get you to scroll down to page number 17 there for me, I'll go through the the bulk of the recommendations and show you the changes I'd like to make.","start_word":842,"end_word":875,"sentiment":"positive","sentiment_score":0.3988140821456909},{"text":"Yep. Got it.","start_word":876,"end_word":878,"sentiment":"neutral","sentiment_score":0.23992231488227844},{"text":"Excellent. This is a big comparison table there.","start_word":879,"end_word":886,"sentiment":"positive","sentiment_score":0.4960907399654389},{"text":"So as I kinda went through, I did have a look at your super as well as the underlying investments within Hub twenty four and Aware Super. I am recommending Mhmm. we retain both those funds. Aware Super holds the insurances which are appropriate, and it's important to hold those for the time being. We'll keep reviewing those with you. So when and if those insurances are no longer valid, you don't feel the need to keep them any longer, then we can look at other strategies to consolidate and move forward there for you as well. Okay? Well, hub twenty four, I did have a look at other platforms as well. However, just like yourself, there's a tax return every year, so does your super fund. I did look Mhmm. at the the CDT implications of moving to any other super fund out there.","start_word":887,"end_word":1031,"sentiment":"neutral","sentiment_score":0.1610538512468338},{"text":"You have had some really good growth over the past couple of years.","start_word":1032,"end_word":1044,"sentiment":"positive","sentiment_score":0.3628521859645843},{"text":"So the CDT for selling the portfolio completely down and moving the funds out was gonna be a lot higher. So I looked at hub twenty four compared that as a fund.","start_word":1045,"end_word":1076,"sentiment":"neutral","sentiment_score":0.1131448969244957},{"text":"It is still appropriate, and it does have a wide range of investments for us to be able to make switches within the funds so that you're Mhmm.","start_word":1077,"end_word":1104,"sentiment":"positive","sentiment_score":0.3486157953739166},{"text":"still your sleep is working as hard as possible for you, but that you're not having to have huge tax consequences within the super fund there as well. Okay? Sure. So at the moment between the funds, you do have your administration fees, investment fees, any other fees applicable. The ongoing service fee fee is coming out of hub twenty four for us to look after your sleep and monitor everything and provide ongoing advice to support you towards retirement and into those retirement years there as well. Contributions are going into aware and wanna keep those in aware because that's a secondary measure for making sure your insurances stay in place for you. Mhmm. And then your insurance premium, only a minor cost coming out of your aware super as well. When we have a bit of a look at the last five years and the performance of the current fund that you're in between Hub twenty four and Aware, it's averaged about a 8.34% return, which isn't bad in any way, shape, or form. But as Mhmm. you get closer to the time, we wanna make sure things continue to work harder. So investments that were great three, four, or five years down the track do need to be updated on a regular basis. So as times change, and this year with how the markets have been reacting between everything that's been going on, it has been a really good chance to update things for you. Okay? Okay. I'll take you through the changes I'm going to make, but, essentially, with the newer portfolio, it's actually had a much higher rate of return. So it's still not growth environment giving you the eighty twenty split, but the newer portfolio has seen a 10.72 return.","start_word":1105,"end_word":1400,"sentiment":"neutral","sentiment_score":0.16304536163806915},{"text":"So that newer portfolio I'd like to put you in has seen a greater past performance, which is which is much better, can put you in a much greater position moving forward.","start_word":1401,"end_word":1432,"sentiment":"positive","sentiment_score":0.4765026271343231},{"text":"And the CGT cost for making the switch of investments is only estimated to be $950. So a very small cost to your super fund to be able to alter those investments in the back end. Okay. Mhmm.","start_word":1433,"end_word":1470,"sentiment":"neutral","sentiment_score":0.2920163869857788},{"text":"Excellent.","start_word":1471,"end_word":1471,"sentiment":"positive","sentiment_score":0.5251643657684326},{"text":"When we look at the administration fees and and fees, I'm recommending you retain both hub 24 and the Aware Super. However, I am recommending that we do roll some money out of Aware and into hub twenty four. We wanna leave 10,000 behind, keep your contributions going in there to maintain your insurance premiums, and then every year be rolling a bit of money in the hub twenty four to make sure more funds are continuously being rolled in over into the portfolio working harder for you long term. Because we are recommending more money move into hub twenty four, we do know the administration fees are expected to be slightly higher, about $62 for the expected to be slightly higher, about $62 for the first year. However, with the newer, investment portfolio, you're actually saving on, investment fees.","start_word":1472,"end_word":1611,"sentiment":"neutral","sentiment_score":0.17415951043367386},{"text":"And it shows to the first year, we expect you to to save about $464 in investment fees, which is a great saving to start with. It's more money staying in your super working harder for you.","start_word":1612,"end_word":1648,"sentiment":"positive","sentiment_score":0.5718405246734619},{"text":"Mhmm. Underneath that, so that's essentially the the major changes and the reason behind the changes and why the research around that. If you can scroll down there for me to page number 19, this is a sense of the Can investment I just changes can that I just we are ask making. you a quick can I just ask you Yeah. a quick question? So the fee Absolutely. in terms of the changing investments, what was that? Yes. Sorry. Which fee are you talking about? I'm sorry. The The the fee that for you to change the investments. the You the said CGT 900 plus? yes. Yeah. The the capital gains cost is $950, and that's all dealt within the fund. So your Mhmm. super fund does tax returns every year the exact same way you do. Your fund does Yep. a separate one, and the super fund will account for the $950. It's the at the most, we could minimize the CGT cost while making sure the performance and the and the funds were working harder for you as well. Right. Okay. Got it. Yep. Yeah. That's okay.","start_word":1649,"end_word":1838,"sentiment":"neutral","sentiment_score":0.05232256278395653},{"text":"Thank Is there you.","start_word":1839,"end_word":1842,"sentiment":"positive","sentiment_score":0.3417883515357971},{"text":"any other questions? Please feel free to let me know. Yeah. No. I don't think so. I think that was the only No. That's thing. okay. Yep. Okay. So where are we going Perfect. next? Down to page number 19 there for me. Mhmm.","start_word":1843,"end_word":1886,"sentiment":"neutral","sentiment_score":-0.020604954693805088},{"text":"Beautiful.","start_word":1887,"end_word":1887,"sentiment":"positive","sentiment_score":0.5875990390777588},{"text":"So these are essentially the changes that we are wanting to make. So having a look at your portfolio, we did note that the Ben along Australian Equities, which is this the second investment down, the first one under Yep. the hub twenty four line, that's one of the investments that has been underperforming heavily at this year. So we have decided to remove that completely from your portfolio. Mhmm. We are also looking to make some additional changes there. So to make it a bit easier, anything with the red and the negative, that's what we're Mhmm. gonna be Yep. selling down. So we'll be removing Sure. the Ben along Australian Equities, the battery and lithium tech. Bank hybrids are being removed now because they're actually being phased out as an investment class down the track by the government. So we wanna simplify things. And once we are making changes now, we may as well remove them and replace them rather than having to hold on. And then when the government makes those changes and tells us we have to make changes, then we would have to do it quickly. So moving Mhmm. it all now, making a big change works out to your benefit Yes. now. Yep. Makes sense. With the this yeah. Physical Gold has done really well within your portfolio. We wanna hold about 10 Mhmm. percent of that. You've got about 7.95% now, so we're gonna buy some more physical gold there for you. Yep. With the Vadis shares cybersecurity, we only wanna hold about 5%. So we're rebalancing that one back a little bit down Mhmm. from 8.45%. So just selling off a little bit of it. Defensive investments are low risk defensive investments like cash, bonds, and fixed interest. We wanna hold anywhere between sort of 10 to 20% in your portfolio there. So these Mhmm. are things like core composite bonds. So we do wanna hold some of those. You've got about 8.49%. At the moment, we wanna increase that exposure to 14% as you're a little bit underexposed in the defensive side of things currently. Okay? The s and p 500, you've got about 29.14% at the moment. Just increasing that exposure to 30% to buying a little bit more. I know there has been a lot Right. of ups and downs with what's been happening Yeah. with The US, but it is still a really good place to be invested.","start_word":1888,"end_word":2297,"sentiment":"neutral","sentiment_score":0.02045594657794005},{"text":"It has seen good returns.","start_word":2298,"end_word":2302,"sentiment":"positive","sentiment_score":0.5875457525253296},{"text":"And, yes, it's been up and down, but the market is still performing quite well. So we still wanna be invested in those sorts of areas. We are gonna remove off the VanEck Australian property investment. Selling that down has seen a bit of a pullback and hasn't really been performing the way we would like it to be, And we're altering your Australian exposure. So by removing Bannalong, we're also removing the Rafi 200. And instead Yep. of holding those two investments, we're gonna hold the a 200, which is on the next page at the very top there. Yes. By removing both of these, we're putting you into the top 200 companies on the ASX still giving you Australian exposure, but it is a lower cost way. It's tracking the top 200 index, and it's actually giving you greater diversification there as well.","start_word":2303,"end_word":2447,"sentiment":"neutral","sentiment_score":0.04484199732542038},{"text":"So this investment has proven much better. It's a much low cost, which means it's more money invested in your super working harder for you and has shown greater past performance than holding the other two investments.","start_word":2448,"end_word":2484,"sentiment":"positive","sentiment_score":0.3850755989551544},{"text":"So we wanted to do a bit of a rejig for you, make sure we can simplify things a little bit, but also save you some money in the long run. Okay? Mhmm.","start_word":2485,"end_word":2517,"sentiment":"neutral","sentiment_score":0.21966572105884552},{"text":"Excellent.","start_word":2518,"end_word":2518,"sentiment":"positive","sentiment_score":0.3590174615383148},{"text":"And then back on the last page again, they're just also investing in some Europe and some Japanese exposure, and then we've included the Vanguard all WorldX US investments. This is giving you exposure to the entire globe minus The US, and that's because we have exposure to the S and P 500 above there.","start_word":2519,"end_word":2573,"sentiment":"neutral","sentiment_score":0.1413753181695938},{"text":"So all in all, this portfolio has shown greater past performance, is much cheaper than your current portfolio, and it's also giving you greater diversification.","start_word":2574,"end_word":2598,"sentiment":"positive","sentiment_score":0.4120575785636902},{"text":"And one of the ways that we look to mitigate market risk is to diversify as much as possible. As you are getting older and closer to retirement, making sure that Yep.","start_word":2599,"end_word":2630,"sentiment":"neutral","sentiment_score":0.22395576164126396},{"text":"we can mitigate what risk we possibly can, have your super working harder, lowering fees where we can as well, and making sure to update and, you know, as I said, diversify your portfolio as much as possible is gonna help to put you in a much greater position moving forward.","start_word":2631,"end_word":2681,"sentiment":"positive","sentiment_score":0.47195151448249817},{"text":"Okay? Okay.","start_word":2682,"end_word":2683,"sentiment":"neutral","sentiment_score":0.24081169068813324},{"text":"Beautiful. It is a Great.","start_word":2684,"end_word":2688,"sentiment":"positive","sentiment_score":0.4986385405063629},{"text":"lot, and I'm so sorry. I try to make No. it as That's easy alright. as I possible. yeah. But just feel free to run your eyes over that as well. Above those sections where duties. So just sort of relating it back to your goals and making sure that everything is working harder for you.","start_word":2689,"end_word":2744,"sentiment":"neutral","sentiment_score":0.13534441590309143},{"text":"The advantages here are it is a lower cost portfolio, greater diversification, which is important, has shown a greater past performance, which is important as well.","start_word":2745,"end_word":2770,"sentiment":"positive","sentiment_score":0.568294882774353},{"text":"Rolling money out of aware into hub twenty four means that you've got more money invested in the portfolio working harder.","start_word":2771,"end_word":2791,"sentiment":"neutral","sentiment_score":0.32050397992134094},{"text":"The hub twenty four portfolio has performed greater than the aware portfolio over longer terms.","start_word":2792,"end_word":2806,"sentiment":"positive","sentiment_score":0.38841474056243896},{"text":"We wanna sure money is being rolled over collectively, but still retaining Aware for you to make sure that, you know, you you sorry. You do have that level of cover. I did check the investments within Aware. There's no need to change those currently when we look at the two portfolios as a whole. The funds in Aware do complement the hub twenty four portfolio nicely, so it's about making Correct. sure that we need only move what we have to to limit the the the cost of transferring funds Yes. Yep. for you.","start_word":2807,"end_word":2901,"sentiment":"neutral","sentiment_score":0.18812303245067596},{"text":"Perfect. Excellent.","start_word":2902,"end_word":2903,"sentiment":"positive","sentiment_score":0.43629300594329834},{"text":"But please feel free to have a read to the document. We've outlined the advantages Mhmm. and disadvantages of risks involved. I go through a few of them for you, but I do like you to go back and have a read. Let me know if Yeah. there's any Absolutely. questions. Yep. A Sure. lot of what I'm going through when you're looking at it, it's a lot, and I get that.","start_word":2904,"end_word":2975,"sentiment":"neutral","sentiment_score":0.12154721468687056},{"text":"So having Yep. some time to go back and read the document in your own time is real beneficial as well.","start_word":2976,"end_word":2996,"sentiment":"positive","sentiment_score":0.3829497694969177},{"text":"Sure.","start_word":2997,"end_word":2997,"sentiment":"neutral","sentiment_score":0.13728995621204376},{"text":"You have your beneficiaries in place, and you are comfortable with those as they were.","start_word":2998,"end_word":3012,"sentiment":"positive","sentiment_score":0.43842411041259766},{"text":"But I've also just made a slight recommendation in here to make sure you do have your will and power of attorney set up. So the other side of the estate planning is making sure that you do have a will, a power of attorney to protect you in the event that something was to happen. Your life Mhmm. insurance and your super beneficiaries cover those aspects. But having a will in place covers everything else that you've worked hard for, your car, your contents, your savings accounts, Yep. all your assets, Mhmm. all the things you may not see as important, realistically, still have to be sold off and could could equate to quite a bit of money that would need to be passed on to your family, or they could be some family heirlooms or something of importance that means something to members of your family that you might wanna have passed down Mhmm. or requested to someone important. So having that will done up is really important to do so by a legal a solicitor can do one very simply if you have one close to you. Alternatively, Yep. a lot of the states do have, like, the state trustees.","start_word":3013,"end_word":3215,"sentiment":"neutral","sentiment_score":0.1219821646809578},{"text":"You can contact them, and they can do bills up a lot cheaper for you if it's less complex. Sure. I have got clients who who've pre preferred, sorry, to just go to the post office and get a will kit as well. And as long as it's filled out as per the directions on the the wheel kit itself, it can be completely fine.","start_word":3216,"end_word":3280,"sentiment":"positive","sentiment_score":0.46134668588638306},{"text":"Obviously, not having a wheel done by a solicitor can mean it is contestable. Most wheels all wheels are always contestable, but having something done by a solicitor does mean Mhmm.","start_word":3281,"end_word":3311,"sentiment":"neutral","sentiment_score":-0.03808077052235603},{"text":"whilst the cost is higher, it is less likely to be contested in you know, your wishes are more likely to be adhered to and followed directions followed through nicely for you.","start_word":3312,"end_word":3343,"sentiment":"positive","sentiment_score":0.3542717695236206},{"text":"And then with with just the power of attorney, making sure that you've directed that there's a direction for someone to act in your best interest, whether it be medically or financially in the event that you're unable to do so for yourself. So we like to just make sure we update those areas and that those things are updated and thought about. It's not the best conversation to have, but it's definitely an important one to sort of think Absolutely. about what how would I want people to act on my behalf and what do I want to happen to everything I've worked so hard for. So Mhmm. yeah.","start_word":3344,"end_word":3453,"sentiment":"neutral","sentiment_score":0.15962405062534593},{"text":"Excellent. Sure. Excellent.","start_word":3454,"end_word":3456,"sentiment":"positive","sentiment_score":0.5540717244148254},{"text":"The only other thing to sorta note in there is that we've got the ongoing service agreement in here. There's no upfront or implementation fees for the advice. That's all part of the services we provide to you. You do pay an ongoing service fee of 1.65% per annum, which is deducted on a monthly basis, and small income is from your super for our services and updating the advice. So that is all reflected into the projection table and the outcome side of things for you. And we do have the updated ongoing service agreement attached to the the order sign for you. So if you're happy to go ahead with the recommendations and remain a client, we'll just ask you to sign and return those documents back to me.","start_word":3457,"end_word":3587,"sentiment":"neutral","sentiment_score":0.10684717446565628},{"text":"Perfect.","start_word":3588,"end_word":3588,"sentiment":"positive","sentiment_score":0.3942487835884094},{"text":"If you like if you do like reading, what everyone does, I have also attached the appendices for you and the product disclosure statements attached for hub twenty four and the investment side of things. So you are welcome to have a look through any of those documents, Great. have a bit of a read up on the products themselves as well. Okay? Sure.","start_word":3589,"end_word":3652,"sentiment":"neutral","sentiment_score":0.18657900393009183},{"text":"Absolutely. That's perfect. Thank you very much. Excellent.","start_word":3653,"end_word":3660,"sentiment":"positive","sentiment_score":0.5545614361763},{"text":"That's okay. The last thing to make mention is it looks like your ID has expired on file. We will need Oh, to okay. update your ID. So I'll just get my colleague Samantha to send you a message, if that's okay, just by our Brilliant. office phone, and Sure. she'll just request an update of your ID there as well. But do Lovely. you have any questions for me at the moment? Sorry. No. Look.","start_word":3661,"end_word":3736,"sentiment":"neutral","sentiment_score":0.06730175018310547},{"text":"That was very thorough. Thank you very much. Thanks.","start_word":3737,"end_word":3745,"sentiment":"positive","sentiment_score":0.4390451908111572},{"text":"I will cast my eye over that this evening Perfect. when I knock off, and I will Lovely. get that signed and returned.","start_word":3746,"end_word":3768,"sentiment":"neutral","sentiment_score":0.2681325674057007},{"text":"Thank you very much. But from what I can see, all looks Perfect. fabulous. Thank you very much, Deborah. I will let you go. I appreciate you taking my phone call. I hope you have a lovely afternoon, and let me know if there's any questions that come from any of any part of that document.","start_word":3769,"end_word":3824,"sentiment":"positive","sentiment_score":0.6358650103211403},{"text":"You Okay?","start_word":3825,"end_word":3826,"sentiment":"neutral","sentiment_score":0.24643437564373016},{"text":"too. Thank you so much for your time. I appreciate it. No worries. You enjoy your day. Thank you so You much. too.","start_word":3827,"end_word":3849,"sentiment":"positive","sentiment_score":0.6866468787193298},{"text":"Bye See you bye. later. Bye.","start_word":3850,"end_word":3855,"sentiment":"neutral","sentiment_score":0.19617938995361328}],"average":{"sentiment":"neutral","sentiment_score":0.17220360827718517}}}}