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Is now still a good time there for you? Fantastic. I normally send this one through to you so you can have a look at it with me. Are you able to jump into your emails there? Or that's okay. I'm so sorry. The phone's breaking up a little bit. Please let me know. I normally no. That's okay. You're fine. I normally send through the documents to you via email. Are you able to grab your emails and look at the document with me, or is now not a good time to jump into your emails? That's okay. Fantastic. I'll send this one through. Now just before we jump into the call completely, just to let you know, we do record our calls for training and quality purposes. Are you happy for me to proceed with that? Fantastic. And just to do a quick security check there with you as well, Jackie, just to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Fantastic. Thank you so much for that. That has been through. I have been having some trouble with the phone this morning. So if I drop out, please let me know. If anything happens, I'll call you back, but I'll try to sort of limit going through things to what we need to to make it more time conservative for you as well. All good. Fantastic. How's your morning been so far? Yeah. Oh, no. Yeah. Oh, no. Yeah. So he's resting in bed, just chilling and trying to rest. Good stuff. Well, please tell Paul I hope he has a quick recovery, and I'm so sorry that you guys are going through that, especially a small kid. There's a lot on your plate at the moment. Yeah. Oh, no. You're all good. Has that email popped through to you at the moment there at all? Yep. That's absolutely fine. So with that one there, I have attached the additional documentation that relate to the advice document. But if you just click on the button that does say I believe it says sign and then move forward so you can see the document. It never asks you to sign anything you haven't read, and it just allows you to go up and down throughout the document there to make it easier on you. Beautiful. So this one here on the front page notes prepared for yourself as of the 06/29/2026. Now our documents are valid for sixty days from the date on the document there. On the bottom, it has all my licensing information. So as a licensed adviser, my registration number with ASIC is 1304394. With this advice, nice and easy one. It's more to scope around your superannuation and also looking at what to do with the investments because we did when we did the annual review, we discussed there have been some underperformance of investments there. So we wanted to just realign things, reevaluate the super and the investments, and then just sort of make some changes to that for you so that everything's working harder towards your goal. We wanna make sure that you have the best time possible, and we are working towards, at the moment, being able to retire in the future at about eight sixty five, hopefully, on about an income of about $1,200 per week between yourself and Paul. Okay? Excellent. So to make this one easier, if you can scroll down for me, we'll just head down to page number 18 where the heading is investment recommended investments. I'll just take you through the changes and the recommendations, and then I'll let you go back. And when you've got some time, you'll be able to go back and just have a bit of a read of the document there as well. Okay? Make it easier on you. The last thing you need is me taking up all your time. No. Please don't. No. Please don't. Honestly, it's absolutely fine. Samantha mentioned that you'd been unwell, and then the kids have been unwell. And now Paul, it's like it's all going through. Yeah. Oh, I hope he feels better soon. Yeah. Absolutely. So with this page here, you'll see it essentially runs down your super, and it also has all your investments there. So I'll just go through what we're looking to do. So this is basically just retaining your hub twenty four super. There is nothing wrong with hub twenty four. It is a really great fund. So we are just wanting to switch the investments within the fund there. So we will be selling off all the battery and lithium tax. We're selling down the Ben along Australian equities as well. That's the one that has been underperforming pretty heavily for you. And the bank hybrid is a a complex investment that is about to be actually phased out by the government in the next couple of years. So we wanna remove that now while we are making these changes for you as well. The China new economy hasn't really held its own. Has China has had some trouble since COVID coming out of the COVID slump, so it hasn't really been performing the way we would like it to be. So we are also gonna remove that for you. And physical gold has done really, really well, but you are just a bit overexposed at the moment. You do hold 7% of your portfolio currently, but when we reweight everything to still have 7% in your newer portfolio, we just need to sell a little over $200 Okay? Cybersecurity, we currently hold 6%. We still wanna hold 6% of your total portfolio, but when we look at the reweighting of it all, we just need to sell off about a $124 there. Keeping it in this cyber security has been a bit of a downtime, but it will still come back. It's just one of those slumps. We just need to wait through that one. But it moving forward, it is still a very important area to be invested in. With the S and P 500, that's The US exposure for you. So you currently hold 29% in that. We wanna overall have a weighting of 35%. US and in international equity still provide great returns when you look at the longevity and how history has performed. So we still wanna make sure we hold 35%. That's we'll buy a little over 9,000 of that for you. The Van Eck Australian property, we are just removing that from this portfolio completely. So we'll sell all of that off. We've also got the Raffi a 200 in there. We are selling that completely out of the portfolio because we are replacing your Australian equities component. So that investment will go. You will buy into the European exposures to giving you access to all the European countries. We want 9% of your total portfolio. The Japanese exposure as well for giving you 5% exposure into Japan, and the all world ex US. This is giving you exposure to the global, so the entire globe minus The US because we have the S and P 500 there. It is about diversifying your portfolio, and overall diversification helps to reduce risk levels. So a greater diversification helps to mitigate as much risk as possible, and we wanna see 8% of your portfolio invested there. We are getting rid of the Benelon Australian Equities and the Raffi two hundred. So we are replacing those investments with the BetaShares a 200. Overall, this gives you exposure to the top 200 companies on the ASX. So it's giving you greater diversification than Van Along. It's also a cheaper investment, so it does make your investment fees cheaper within the fund as well, which is a good thing. Okay? And then you've got core composite bond, which is a defensive invest. You wanna hold 5% of that, and that's essentially replacing the bank hybrid that will be phased out in the future there for you. Okay? Nice, easy. I won't go too much into those. If you wanted sort of more in-depth confirmation around what the investments are, feel free to let me know. But, essentially, this is the changes that we are making for you to make it easier. Essentially, you do have a lot of cash at the moment. So, obviously, as part of not sure if Paul mentioned to you, but as part of his last advice document, we actually did a spousal split. So we actually moved some money from his super into yours, which gave you a benefit. It gave him a benefit of keeping his balance a little bit lower, but it meant that your balance increased a little bit as well. So you do have a bit much cash in there. We wanna have that money reinvested with your portfolio, so you only hold 1.25% cash there as well. Okay? Yeah. All good. If you scroll down to page 21 for me, this is sort of the outcome of why we're making these changes for you. All good. So your super fund, just like you, does a tax return every year. So, essentially, we've gone back and had a look at making the changes, and we understand that in order to make the switch of those investments, your super fund is expected to pay CGT. So capital gains is $712 all sorted by your super fund that has no effect on you personally, which is great. But it does mean, essentially, once we complete the switch with them paying the CGT, we expect your balance to be about a $170 oh, sorry. A $170,008.22. That is before that as of the date on the document. So, obviously, markets have been up and down a bit since then, so it might be slightly different. I know we've seen some good gains since the end of June as well, which is good. But, essentially, based on this, we expect you to start about a 170,000 there. Administration fees don't change because we're not changing anything with the actual fund itself, but your investment fees, you can see a difference. So we go from paying over $700 for the year in investment fees to only 300 with the new portfolio. So it does save you $463 in investment fees, which is great. More money staying in your super compounding harder. Yeah. The ongoing service fee does continue to come out of the fund. You guys are on a couple fee, which is 1.10%. So that is reduced from our normal percentage because you both are clients. We both we wanna look after both of you together. And you've got your contributions going in as well, which is no change there. And insurance premium continues, so no major change there. We just like to make sure we factor those into the projection side of things for you. Okay? You'll say within that high growth environment that you can sort of see the difference. The older high growth portfolio, when we look at historical data, has averaged about 9.86% on a yearly basis, which isn't bad, but the newer portfolio has shown greater past performance. So if it can get that over the next sort of five to ten years below, you can sort of see what should be projected and where you could end up over the next five to ten years, which is a much greater return and can put you in a much better position as well. So yeah. All good. Underneath that on the next page, obviously, we're not changing anything with your insurances, but we have just a little projection table, which essentially shows you the same as the above, the current, the recommended, but it also shows you the effect on your super if you are not paying insurances at all. So, obviously, insurances are being scoped into a limited scope only because we understand that they are being paid out of your super, and they do have an effect on your overall retirement projected outcome. And this just shows you the effect if you were not paying for insurances inside super, what the projected outcome could be with the changes that we are making as well. Okay? Excellent. That is essentially the entire document there. That's everything I needed to go through, a nice easy one for you. We do have in there the advantages, the disadvantages, and the risks involved. I've gone through some of those with you with regard to the CDP and the outcome with regard to the fees. If you wanted to take some time just to have a bit of a read to the document when you've got a few minutes there, it's also added the best interest duty, and it kinda relates it back to your goals for you. So take some time. Have a look through that one. If you find you have any additional questions, Jackie, please let me know. And if you're happy to take on the advice, we'll get you to sign and return that back so we can have that switch implemented nice and quick for you. Okay? Does is there any questions that have come out of that at the moment? Or Oh, thank you. My pleasure. It was an honor honestly, it's an absolute pleasure to do this work for you. I love what I do, and I just wanna make sure you're having the best time possible. So we'll keep reviewing things and updating things as we need to. But, look, yeah, I will not take up any more of your precious time. You've got small kids and a sick husband, so I will let you go. And, yeah, I hope you have a lovely day, but thank you for taking my call this morning. I really appreciate your time. Any anytime, Jackie, it's an honestly, it's a pleasure to work with you guys. So you no worries. I'll let you be. You have a great day, and let me know if there's any questions that come out of that at all. Okay. My pleasure. See you later. Thanks. 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Jackie. It's Dana from Oakey Financial. How are you this morning? I'm very well. Thank you.\n\nI had you booked in just to go through your updated device document. Is now still a good time there for you? Fantastic. I normally send this one through to you so you can have a look at it with me. Are you able to jump into your emails there?\n\nOr that's okay. I'm so sorry. The phone's breaking up a little bit. Please let me know. I normally no.\n\nThat's okay. You're fine. I normally send through the documents to you via email. Are you able to grab your emails and look at the document with me, or is now not a good time to jump into your emails? That's okay.\n\nFantastic. I'll send this one through. Now just before we jump into the call completely, just to let you know, we do record our calls for training and quality purposes. Are you happy for me to proceed with that? Fantastic.\n\nAnd just to do a quick security check there with you as well, Jackie, just to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Fantastic. Thank you so much for that.\n\nThat has been through. I have been having some trouble with the phone this morning. So if I drop out, please let me know. If anything happens, I'll call you back, but I'll try to sort of limit going through things to what we need to to make it more time conservative for you as well. All good.\n\nFantastic. How's your morning been so far? Yeah. Oh, no. Yeah.\n\nOh, no. Yeah. So he's resting in bed, just chilling and trying to rest. Good stuff. Well, please tell Paul I hope he has a quick recovery, and I'm so sorry that you guys are going through that, especially a small kid.\n\nThere's a lot on your plate at the moment. Yeah. Oh, no. You're all good. Has that email popped through to you at the moment there at all?\n\nYep. That's absolutely fine. So with that one there, I have attached the additional documentation that relate to the advice document. But if you just click on the button that does say I believe it says sign and then move forward so you can see the document. It never asks you to sign anything you haven't read, and it just allows you to go up and down throughout the document there to make it easier on you.\n\nBeautiful. So this one here on the front page notes prepared for yourself as of the 06/29/2026. Now our documents are valid for sixty days from the date on the document there. On the bottom, it has all my licensing information. So as a licensed adviser, my registration number with ASIC is 1304394.\n\nWith this advice, nice and easy one. It's more to scope around your superannuation and also looking at what to do with the investments because we did when we did the annual review, we discussed there have been some underperformance of investments there. So we wanted to just realign things, reevaluate the super and the investments, and then just sort of make some changes to that for you so that everything's working harder towards your goal. We wanna make sure that you have the best time possible, and we are working towards, at the moment, being able to retire in the future at about eight sixty five, hopefully, on about an income of about $1,200 per week between yourself and Paul. Okay?\n\nExcellent. So to make this one easier, if you can scroll down for me, we'll just head down to page number 18 where the heading is investment recommended investments. I'll just take you through the changes and the recommendations, and then I'll let you go back. And when you've got some time, you'll be able to go back and just have a bit of a read of the document there as well. Okay?\n\nMake it easier on you. The last thing you need is me taking up all your time. No. Please don't. No.\n\nPlease don't. Honestly, it's absolutely fine. Samantha mentioned that you'd been unwell, and then the kids have been unwell. And now Paul, it's like it's all going through. Yeah.\n\nOh, I hope he feels better soon. Yeah. Absolutely. So with this page here, you'll see it essentially runs down your super, and it also has all your investments there. So I'll just go through what we're looking to do.\n\nSo this is basically just retaining your hub twenty four super. There is nothing wrong with hub twenty four. It is a really great fund. So we are just wanting to switch the investments within the fund there. So we will be selling off all the battery and lithium tax.\n\nWe're selling down the Ben along Australian equities as well. That's the one that has been underperforming pretty heavily for you. And the bank hybrid is a a complex investment that is about to be actually phased out by the government in the next couple of years. So we wanna remove that now while we are making these changes for you as well. The China new economy hasn't really held its own.\n\nHas China has had some trouble since COVID coming out of the COVID slump, so it hasn't really been performing the way we would like it to be. So we are also gonna remove that for you. And physical gold has done really, really well, but you are just a bit overexposed at the moment. You do hold 7% of your portfolio currently, but when we reweight everything to still have 7% in your newer portfolio, we just need to sell a little over $200 Okay? Cybersecurity, we currently hold 6%.\n\nWe still wanna hold 6% of your total portfolio, but when we look at the reweighting of it all, we just need to sell off about a $124 there. Keeping it in this cyber security has been a bit of a downtime, but it will still come back. It's just one of those slumps. We just need to wait through that one. But it moving forward, it is still a very important area to be invested in.\n\nWith the S and P 500, that's The US exposure for you. So you currently hold 29% in that. We wanna overall have a weighting of 35%. US and in international equity still provide great returns when you look at the longevity and how history has performed. So we still wanna make sure we hold 35%.\n\nThat's we'll buy a little over 9,000 of that for you. The Van Eck Australian property, we are just removing that from this portfolio completely. So we'll sell all of that off. We've also got the Raffi a 200 in there. We are selling that completely out of the portfolio because we are replacing your Australian equities component.\n\nSo that investment will go. You will buy into the European exposures to giving you access to all the European countries. We want 9% of your total portfolio. The Japanese exposure as well for giving you 5% exposure into Japan, and the all world ex US. This is giving you exposure to the global, so the entire globe minus The US because we have the S and P 500 there.\n\nIt is about diversifying your portfolio, and overall diversification helps to reduce risk levels. So a greater diversification helps to mitigate as much risk as possible, and we wanna see 8% of your portfolio invested there. We are getting rid of the Benelon Australian Equities and the Raffi two hundred. So we are replacing those investments with the BetaShares a 200. Overall, this gives you exposure to the top 200 companies on the ASX.\n\nSo it's giving you greater diversification than Van Along. It's also a cheaper investment, so it does make your investment fees cheaper within the fund as well, which is a good thing. Okay? And then you've got core composite bond, which is a defensive invest. You wanna hold 5% of that, and that's essentially replacing the bank hybrid that will be phased out in the future there for you.\n\nOkay? Nice, easy. I won't go too much into those. If you wanted sort of more in-depth confirmation around what the investments are, feel free to let me know. But, essentially, this is the changes that we are making for you to make it easier.\n\nEssentially, you do have a lot of cash at the moment. So, obviously, as part of not sure if Paul mentioned to you, but as part of his last advice document, we actually did a spousal split. So we actually moved some money from his super into yours, which gave you a benefit. It gave him a benefit of keeping his balance a little bit lower, but it meant that your balance increased a little bit as well. So you do have a bit much cash in there.\n\nWe wanna have that money reinvested with your portfolio, so you only hold 1.25% cash there as well. Okay? Yeah. All good. If you scroll down to page 21 for me, this is sort of the outcome of why we're making these changes for you.\n\nAll good. So your super fund, just like you, does a tax return every year. So, essentially, we've gone back and had a look at making the changes, and we understand that in order to make the switch of those investments, your super fund is expected to pay CGT. So capital gains is $712 all sorted by your super fund that has no effect on you personally, which is great. But it does mean, essentially, once we complete the switch with them paying the CGT, we expect your balance to be about a $170 oh, sorry.\n\nA $170,008.22. That is before that as of the date on the document. So, obviously, markets have been up and down a bit since then, so it might be slightly different. I know we've seen some good gains since the end of June as well, which is good. But, essentially, based on this, we expect you to start about a 170,000 there.\n\nAdministration fees don't change because we're not changing anything with the actual fund itself, but your investment fees, you can see a difference. So we go from paying over $700 for the year in investment fees to only 300 with the new portfolio. So it does save you $463 in investment fees, which is great. More money staying in your super compounding harder. Yeah.\n\nThe ongoing service fee does continue to come out of the fund. You guys are on a couple fee, which is 1.10%. So that is reduced from our normal percentage because you both are clients. We both we wanna look after both of you together. And you've got your contributions going in as well, which is no change there.\n\nAnd insurance premium continues, so no major change there. We just like to make sure we factor those into the projection side of things for you. Okay? You'll say within that high growth environment that you can sort of see the difference. The older high growth portfolio, when we look at historical data, has averaged about 9.86% on a yearly basis, which isn't bad, but the newer portfolio has shown greater past performance.\n\nSo if it can get that over the next sort of five to ten years below, you can sort of see what should be projected and where you could end up over the next five to ten years, which is a much greater return and can put you in a much better position as well. So yeah. All good. Underneath that on the next page, obviously, we're not changing anything with your insurances, but we have just a little projection table, which essentially shows you the same as the above, the current, the recommended, but it also shows you the effect on your super if you are not paying insurances at all. So, obviously, insurances are being scoped into a limited scope only because we understand that they are being paid out of your super, and they do have an effect on your overall retirement projected outcome.\n\nAnd this just shows you the effect if you were not paying for insurances inside super, what the projected outcome could be with the changes that we are making as well. Okay? Excellent. That is essentially the entire document there. That's everything I needed to go through, a nice easy one for you.\n\nWe do have in there the advantages, the disadvantages, and the risks involved. I've gone through some of those with you with regard to the CDP and the outcome with regard to the fees. If you wanted to take some time just to have a bit of a read to the document when you've got a few minutes there, it's also added the best interest duty, and it kinda relates it back to your goals for you. So take some time. Have a look through that one.\n\nIf you find you have any additional questions, Jackie, please let me know. And if you're happy to take on the advice, we'll get you to sign and return that back so we can have that switch implemented nice and quick for you. Okay? Does is there any questions that have come out of that at the moment? Or Oh, thank you.\n\nMy pleasure. It was an honor honestly, it's an absolute pleasure to do this work for you. I love what I do, and I just wanna make sure you're having the best time possible. So we'll keep reviewing things and updating things as we need to. But, look, yeah, I will not take up any more of your precious time.\n\nYou've got small kids and a sick husband, so I will let you go. And, yeah, I hope you have a lovely day, but thank you for taking my call this morning. I really appreciate your time. Any anytime, Jackie, it's an honestly, it's a pleasure to work with you guys. So you no worries.\n\nI'll let you be. You have a great day, and let me know if there's any questions that come out of that at all. Okay. My pleasure. See you later.\n\nThanks. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Jackie.","start":2.72,"end":3.28,"sentiment":"neutral","sentiment_score":0.16191472113132477},{"text":"It's Dana from Oakey Financial.","start":3.28,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.22111554741859435},{"text":"How are you this morning?","start":4.88,"end":6.1,"sentiment":"neutral","sentiment_score":0.24884291291236876},{"text":"I'm very well.","start":7.68,"end":8.639999,"sentiment":"positive","sentiment_score":0.6104249755541483},{"text":"Thank you.","start":8.639999,"end":9.28,"sentiment":"positive","sentiment_score":0.668056070804596}],"sentiment":"positive","sentiment_score":0.3435887536581825,"num_words":17,"start":2.72,"end":9.28},{"sentences":[{"text":"I had you booked in just to go through your updated device document.","start":9.28,"end":12.16,"sentiment":"neutral","sentiment_score":0.24603403302339408},{"text":"Is now still a good time there for you?","start":12.16,"end":14.179999,"sentiment":"neutral","sentiment_score":0.1979280561208725},{"text":"Fantastic.","start":16.285,"end":16.785,"sentiment":"positive","sentiment_score":0.6350803375244141},{"text":"I normally send this one through to you so you can have a look at it with me.","start":17.404999,"end":20.365,"sentiment":"neutral","sentiment_score":0.24874624609947205},{"text":"Are you able to jump into your emails there?","start":20.365,"end":22.525,"sentiment":"neutral","sentiment_score":0.08136415398783153}],"sentiment":"neutral","sentiment_score":0.2164917017519474,"num_words":50,"start":9.28,"end":22.525},{"sentences":[{"text":"Or that's okay.","start":22.525,"end":26.525,"sentiment":"neutral","sentiment_score":0.0013700518757104874},{"text":"I'm so sorry.","start":26.525,"end":27.165,"sentiment":"neutral","sentiment_score":-0.15479089816411337},{"text":"The phone's breaking up a little bit.","start":27.165,"end":28.605,"sentiment":"neutral","sentiment_score":-0.32869387737342287},{"text":"Please let me know.","start":28.605,"end":29.665,"sentiment":"neutral","sentiment_score":-0.11175989545881748},{"text":"I normally no.","start":30.23,"end":32.47,"sentiment":"neutral","sentiment_score":-0.06528139486908913}],"sentiment":"neutral","sentiment_score":-0.1702001723460853,"num_words":20,"start":22.525,"end":32.47},{"sentences":[{"text":"That's okay.","start":32.47,"end":33.19,"sentiment":"neutral","sentiment_score":-0.007184905000030994},{"text":"You're fine.","start":33.19,"end":33.93,"sentiment":"neutral","sentiment_score":0.04912513121962547},{"text":"I normally send through the documents to you via email.","start":34.47,"end":36.79,"sentiment":"neutral","sentiment_score":0.001357566099613905},{"text":"Are you able to grab your emails and look at the document with me, or is now not a good time to jump into your emails?","start":36.79,"end":43.13,"sentiment":"neutral","sentiment_score":-0.0465848700931439},{"text":"That's okay.","start":45.135,"end":46.035,"sentiment":"neutral","sentiment_score":0.11008740961551666}],"sentiment":"neutral","sentiment_score":-0.021275611660842384,"num_words":42,"start":32.47,"end":46.035},{"sentences":[{"text":"Fantastic.","start":46.415,"end":46.915,"sentiment":"positive","sentiment_score":0.46813416481018066},{"text":"I'll send this one through.","start":47.375,"end":48.415,"sentiment":"neutral","sentiment_score":0.29260092973709106},{"text":"Now just before we jump into the call completely, just to let you know, we do record our calls for training and quality purposes.","start":48.415,"end":53.395,"sentiment":"neutral","sentiment_score":0.17459918123980364},{"text":"Are you happy for me to proceed with that?","start":53.614998,"end":55.795,"sentiment":"neutral","sentiment_score":0.19760342107878792},{"text":"Fantastic.","start":57.469997,"end":57.969997,"sentiment":"positive","sentiment_score":0.4267011880874634}],"sentiment":"neutral","sentiment_score":0.20816627852618694,"num_words":40,"start":46.415,"end":57.969997},{"sentences":[{"text":"And just to do a quick security check there with you as well, Jackie, just to confirm your full name, your date of birth, and address I should have on file.","start":58.03,"end":64.369995,"sentiment":"neutral","sentiment_score":0.17816235509610945},{"text":"Yep.","start":68.365005,"end":68.865005,"sentiment":"neutral","sentiment_score":0.042526423931121826},{"text":"Yep.","start":69.405,"end":69.905,"sentiment":"neutral","sentiment_score":0.05502379685640335},{"text":"Fantastic.","start":73.325005,"end":73.825005,"sentiment":"positive","sentiment_score":0.3971889019012451},{"text":"Thank you so much for that.","start":74.125,"end":75.745,"sentiment":"positive","sentiment_score":0.3776480207840602}],"sentiment":"neutral","sentiment_score":0.20709150638431312,"num_words":40,"start":58.03,"end":75.745},{"sentences":[{"text":"That has been through.","start":76.045,"end":77.585,"sentiment":"neutral","sentiment_score":0.19480373710393906},{"text":"I have been having some trouble with the phone this morning.","start":77.725,"end":79.885,"sentiment":"neutral","sentiment_score":-0.21709287708455866},{"text":"So if I drop out, please let me know.","start":79.885,"end":82.145004,"sentiment":"neutral","sentiment_score":-0.07417605403396818},{"text":"If anything happens, I'll call you back, but I'll try to sort of limit going through things to what we need to to make it more time conservative for you as well.","start":82.205,"end":90.74,"sentiment":"neutral","sentiment_score":-0.012866028104326688},{"text":"All good.","start":90.74,"end":91.479996,"sentiment":"neutral","sentiment_score":0.16841787099838257}],"sentiment":"neutral","sentiment_score":-0.040539109364858474,"num_words":58,"start":76.045,"end":91.479996},{"sentences":[{"text":"Fantastic.","start":92.58,"end":93.08,"sentiment":"positive","sentiment_score":0.4406075179576874},{"text":"How's your morning been so far?","start":93.38,"end":95.24,"sentiment":"neutral","sentiment_score":0.15687292317549387},{"text":"Yeah.","start":99.335,"end":99.835,"sentiment":"neutral","sentiment_score":0.031058281660079956},{"text":"Oh, no.","start":106.295,"end":107.275,"sentiment":"neutral","sentiment_score":-0.10919566452503204},{"text":"Yeah.","start":111.75,"end":112.25,"sentiment":"neutral","sentiment_score":-0.030660102143883705}],"sentiment":"neutral","sentiment_score":0.1058047188615257,"num_words":11,"start":92.58,"end":112.25},{"sentences":[{"text":"Oh, no.","start":120.325,"end":121.784996,"sentiment":"neutral","sentiment_score":-0.16446103155612946},{"text":"Yeah.","start":130.565,"end":131.065,"sentiment":"neutral","sentiment_score":0.0533042848110199},{"text":"So he's resting in bed, just chilling and trying to rest.","start":131.125,"end":134.73,"sentiment":"neutral","sentiment_score":0.1682373292066834},{"text":"Good stuff.","start":134.73,"end":135.37,"sentiment":"positive","sentiment_score":0.5324232429265976},{"text":"Well, please tell Paul I hope he has a quick recovery, and I'm so sorry that you guys are going through that, especially a small kid.","start":135.37,"end":142.43,"sentiment":"neutral","sentiment_score":-0.05270454860650576}],"sentiment":"neutral","sentiment_score":0.030226692025150572,"num_words":42,"start":120.325,"end":142.43},{"sentences":[{"text":"There's a lot on your plate at the moment.","start":142.73,"end":144.59,"sentiment":"neutral","sentiment_score":-0.029481171009441216},{"text":"Yeah.","start":150.075,"end":150.575,"sentiment":"neutral","sentiment_score":-0.053509488701820374},{"text":"Oh, no.","start":151.995,"end":152.395,"sentiment":"neutral","sentiment_score":-0.06471330299973488},{"text":"You're all good.","start":152.395,"end":154.575,"sentiment":"neutral","sentiment_score":0.02290361498792966},{"text":"Has that email popped through to you at the moment there at all?","start":155.355,"end":158.25,"sentiment":"neutral","sentiment_score":-0.03243681645164123}],"sentiment":"neutral","sentiment_score":-0.028615514381921718,"num_words":28,"start":142.73,"end":158.25},{"sentences":[{"text":"Yep.","start":159.85,"end":160.35,"sentiment":"neutral","sentiment_score":0.11119425296783449},{"text":"That's absolutely fine.","start":160.49,"end":161.69,"sentiment":"neutral","sentiment_score":0.2704080094893773},{"text":"So with that one there, I have attached the additional documentation that relate to the advice document.","start":161.69,"end":166.97,"sentiment":"neutral","sentiment_score":0.13232004116563237},{"text":"But if you just click on the button that does say I believe it says sign and then move forward so you can see the document.","start":166.97,"end":172.65,"sentiment":"neutral","sentiment_score":0.10441818145605233},{"text":"It never asks you to sign anything you haven't read, and it just allows you to go up and down throughout the document there to make it easier on you.","start":172.65,"end":179.335,"sentiment":"neutral","sentiment_score":0.1619032652427753}],"sentiment":"neutral","sentiment_score":0.13953025527782253,"num_words":77,"start":159.85,"end":179.335},{"sentences":[{"text":"Beautiful.","start":180.835,"end":181.315,"sentiment":"positive","sentiment_score":0.5044419765472412},{"text":"So this one here on the front page notes prepared for yourself as of the 06/29/2026.","start":181.315,"end":186.45,"sentiment":"neutral","sentiment_score":0.19625358190387487},{"text":"Now our documents are valid for sixty days from the date on the document there.","start":186.77,"end":190.39,"sentiment":"neutral","sentiment_score":0.13531084607044855},{"text":"On the bottom, it has all my licensing information.","start":190.93,"end":193.17,"sentiment":"neutral","sentiment_score":0.12660181439585155},{"text":"So as a licensed adviser, my registration number with ASIC is 1304394.","start":193.17,"end":198.70999,"sentiment":"neutral","sentiment_score":0.10933633645375569}],"sentiment":"neutral","sentiment_score":0.15331347820893773,"num_words":53,"start":180.835,"end":198.70999},{"sentences":[{"text":"With this advice, nice and easy one.","start":199.915,"end":201.675,"sentiment":"positive","sentiment_score":0.5836514021669116},{"text":"It's more to scope around your superannuation and also looking at what to do with the investments because we did when we did the annual review, we discussed there have been some underperformance of investments there.","start":201.675,"end":211.595,"sentiment":"neutral","sentiment_score":-0.020754081688614354},{"text":"So we wanted to just realign things, reevaluate the super and the investments, and then just sort of make some changes to that for you so that everything's working harder towards your goal.","start":211.595,"end":221.19,"sentiment":"neutral","sentiment_score":0.11362009286654717},{"text":"We wanna make sure that you have the best time possible, and we are working towards, at the moment, being able to retire in the future at about eight sixty five, hopefully, on about an income of about $1,200 per week between yourself and Paul.","start":221.25,"end":234.115,"sentiment":"neutral","sentiment_score":0.2354408848616812},{"text":"Okay?","start":234.115,"end":234.615,"sentiment":"neutral","sentiment_score":0.08983540534973145}],"sentiment":"neutral","sentiment_score":0.14567664887786644,"num_words":122,"start":199.915,"end":234.615},{"sentences":[{"text":"Excellent.","start":236.275,"end":236.775,"sentiment":"positive","sentiment_score":0.6004112958908081},{"text":"So to make this one easier, if you can scroll down for me, we'll just head down to page number 18 where the heading is investment recommended investments.","start":236.915,"end":245.99,"sentiment":"neutral","sentiment_score":0.16134662034788302},{"text":"I'll just take you through the changes and the recommendations, and then I'll let you go back.","start":246.85,"end":250.53,"sentiment":"neutral","sentiment_score":0.08709950591711436},{"text":"And when you've got some time, you'll be able to go back and just have a bit of a read of the document there as well.","start":250.53,"end":256.69,"sentiment":"neutral","sentiment_score":0.06304814408604915},{"text":"Okay?","start":256.69,"end":257.19,"sentiment":"neutral","sentiment_score":0.043338313698768616}],"sentiment":"neutral","sentiment_score":0.11344381268710306,"num_words":73,"start":236.275,"end":257.19},{"sentences":[{"text":"Make it easier on you.","start":258.215,"end":259.495,"sentiment":"positive","sentiment_score":0.39126789271831514},{"text":"The last thing you need is me taking up all your time.","start":259.495,"end":262.075,"sentiment":"neutral","sentiment_score":-0.001298553931216399},{"text":"No.","start":272.63,"end":273.13,"sentiment":"neutral","sentiment_score":-0.2943246066570282},{"text":"Please don't.","start":273.19,"end":274.25,"sentiment":"neutral","sentiment_score":-0.28885258734226227},{"text":"No.","start":276.15002,"end":276.55002,"sentiment":"neutral","sentiment_score":-0.29874736070632935}],"sentiment":"neutral","sentiment_score":0.036665698779480796,"num_words":21,"start":258.215,"end":276.55002},{"sentences":[{"text":"Please don't.","start":276.55002,"end":277.35,"sentiment":"neutral","sentiment_score":-0.32883892953395844},{"text":"Honestly, it's absolutely fine.","start":277.35,"end":279.19,"sentiment":"neutral","sentiment_score":-0.19745837897062302},{"text":"Samantha mentioned that you'd been unwell, and then the kids have been unwell.","start":279.19,"end":282.47,"sentiment":"neutral","sentiment_score":-0.25869332827054536},{"text":"And now Paul, it's like it's all going through.","start":282.47,"end":285.125,"sentiment":"neutral","sentiment_score":-0.2096679194105996},{"text":"Yeah.","start":289.345,"end":289.845,"sentiment":"neutral","sentiment_score":-0.14432069659233093}],"sentiment":"neutral","sentiment_score":-0.23592609012949056,"num_words":29,"start":276.55002,"end":289.845},{"sentences":[{"text":"Oh, I hope he feels better soon.","start":291.265,"end":294.225,"sentiment":"neutral","sentiment_score":0.10021521470376424},{"text":"Yeah.","start":294.225,"end":294.625,"sentiment":"neutral","sentiment_score":0.10433978587388992},{"text":"Absolutely.","start":294.625,"end":295.125,"sentiment":"neutral","sentiment_score":0.29345765709877014},{"text":"So with this page here, you'll see it essentially runs down your super, and it also has all your investments there.","start":297.15002,"end":302.03,"sentiment":"neutral","sentiment_score":0.055001726285332724},{"text":"So I'll just go through what we're looking to do.","start":302.03,"end":303.95,"sentiment":"neutral","sentiment_score":0.03570261634886265}],"sentiment":"neutral","sentiment_score":0.06528415903449059,"num_words":40,"start":291.265,"end":303.95},{"sentences":[{"text":"So this is basically just retaining your hub twenty four super.","start":303.95,"end":307.07,"sentiment":"neutral","sentiment_score":0.21342051300135526},{"text":"There is nothing wrong with hub twenty four.","start":307.07,"end":308.75,"sentiment":"positive","sentiment_score":0.5464136563241482},{"text":"It is a really great fund.","start":308.75,"end":310.13,"sentiment":"positive","sentiment_score":0.8199759324391683},{"text":"So we are just wanting to switch the investments within the fund there.","start":310.695,"end":313.415,"sentiment":"neutral","sentiment_score":0.048239633870812565},{"text":"So we will be selling off all the battery and lithium tax.","start":313.415,"end":316.395,"sentiment":"neutral","sentiment_score":-0.015534562524408102}],"sentiment":"neutral","sentiment_score":0.2415898195654154,"num_words":50,"start":303.95,"end":316.395},{"sentences":[{"text":"We're selling down the Ben along Australian equities as well.","start":316.615,"end":319.655,"sentiment":"neutral","sentiment_score":-0.06657712124288082},{"text":"That's the one that has been underperforming pretty heavily for you.","start":319.655,"end":322.955,"sentiment":"neutral","sentiment_score":-0.2634510032155297},{"text":"And the bank hybrid is a a complex investment that is about to be actually phased out by the government in the next couple of years.","start":323.82,"end":330.30002,"sentiment":"neutral","sentiment_score":-0.12064182701019141},{"text":"So we wanna remove that now while we are making these changes for you as well.","start":330.30002,"end":334.64,"sentiment":"neutral","sentiment_score":-0.05083641340024769},{"text":"The China new economy hasn't really held its own.","start":335.975,"end":338.695,"sentiment":"neutral","sentiment_score":-0.1544411861234241}],"sentiment":"neutral","sentiment_score":-0.12366351443860266,"num_words":72,"start":316.615,"end":338.695},{"sentences":[{"text":"Has China has had some trouble since COVID coming out of the COVID slump, so it hasn't really been performing the way we would like it to be.","start":338.695,"end":345.495,"sentiment":"neutral","sentiment_score":-0.3099449447223118},{"text":"So we are also gonna remove that for you.","start":345.495,"end":347.995,"sentiment":"neutral","sentiment_score":-0.06693060944477718},{"text":"And physical gold has done really, really well, but you are just a bit overexposed at the moment.","start":348.41998,"end":353.3,"sentiment":"neutral","sentiment_score":-0.09689800482657221},{"text":"You do hold 7% of your portfolio currently, but when we reweight everything to still have 7% in your newer portfolio, we just need to sell a little over $200 Okay?","start":353.3,"end":365.755,"sentiment":"neutral","sentiment_score":-0.06257342402973483},{"text":"Cybersecurity, we currently hold 6%.","start":366.935,"end":369.575,"sentiment":"neutral","sentiment_score":-0.1317197784781456}],"sentiment":"neutral","sentiment_score":-0.14970739627932453,"num_words":91,"start":338.695,"end":369.575},{"sentences":[{"text":"We still wanna hold 6% of your total portfolio, but when we look at the reweighting of it all, we just need to sell off about a $124 there.","start":369.575,"end":376.86,"sentiment":"neutral","sentiment_score":-0.08334320770769284},{"text":"Keeping it in this cyber security has been a bit of a downtime, but it will still come back.","start":377.02,"end":381.58,"sentiment":"neutral","sentiment_score":-0.15114049495835052},{"text":"It's just one of those slumps.","start":381.58,"end":383.02,"sentiment":"neutral","sentiment_score":-0.15774920831123987},{"text":"We just need to wait through that one.","start":383.02,"end":384.87997,"sentiment":"neutral","sentiment_score":-0.02827239246107638},{"text":"But it moving forward, it is still a very important area to be invested in.","start":385.25998,"end":389.75998,"sentiment":"neutral","sentiment_score":0.08353468254208565}],"sentiment":"neutral","sentiment_score":-0.06763995557346127,"num_words":77,"start":369.575,"end":389.75998},{"sentences":[{"text":"With the S and P 500, that's The US exposure for you.","start":391.19498,"end":395.115,"sentiment":"neutral","sentiment_score":0.011335509518782297},{"text":"So you currently hold 29% in that.","start":395.115,"end":397.35498,"sentiment":"neutral","sentiment_score":0.0393725149333477},{"text":"We wanna overall have a weighting of 35%.","start":397.35498,"end":400.335,"sentiment":"neutral","sentiment_score":0.1812532413750887},{"text":"US and in international equity still provide great returns when you look at the longevity and how history has performed.","start":401.275,"end":407.72,"sentiment":"positive","sentiment_score":0.5985751703381539},{"text":"So we still wanna make sure we hold 35%.","start":407.78,"end":411.06,"sentiment":"neutral","sentiment_score":0.2600097490681542}],"sentiment":"neutral","sentiment_score":0.2888080499667142,"num_words":56,"start":391.19498,"end":411.06},{"sentences":[{"text":"That's we'll buy a little over 9,000 of that for you.","start":411.06,"end":414.19998,"sentiment":"neutral","sentiment_score":0.27442597394639795},{"text":"The Van Eck Australian property, we are just removing that from this portfolio completely.","start":415.005,"end":419.505,"sentiment":"neutral","sentiment_score":-0.11114575527608395},{"text":"So we'll sell all of that off.","start":420.205,"end":421.905,"sentiment":"neutral","sentiment_score":-0.07269659106220518},{"text":"We've also got the Raffi a 200 in there.","start":422.04498,"end":424.865,"sentiment":"neutral","sentiment_score":0.024141408710016146},{"text":"We are selling that completely out of the portfolio because we are replacing your Australian equities component.","start":425.005,"end":430.37003,"sentiment":"neutral","sentiment_score":-0.01627191698507351}],"sentiment":"neutral","sentiment_score":0.015421018823338994,"num_words":58,"start":411.06,"end":430.37003},{"sentences":[{"text":"So that investment will go.","start":430.91,"end":432.53003,"sentiment":"neutral","sentiment_score":0.04357275515794754},{"text":"You will buy into the European exposures to giving you access to all the European countries.","start":433.47,"end":438.67,"sentiment":"neutral","sentiment_score":0.14103962760418653},{"text":"We want 9% of your total portfolio.","start":438.67,"end":440.85,"sentiment":"neutral","sentiment_score":0.1698611272232873},{"text":"The Japanese exposure as well for giving you 5% exposure into Japan, and the all world ex US.","start":441.55002,"end":448.525,"sentiment":"neutral","sentiment_score":0.11504643513924545},{"text":"This is giving you exposure to the global, so the entire globe minus The US because we have the S and P 500 there.","start":448.525,"end":455.585,"sentiment":"neutral","sentiment_score":0.11629022549216946}],"sentiment":"neutral","sentiment_score":0.12179038503340313,"num_words":70,"start":430.91,"end":455.585},{"sentences":[{"text":"It is about diversifying your portfolio, and overall diversification helps to reduce risk levels.","start":455.885,"end":461.42,"sentiment":"neutral","sentiment_score":0.2463836276105472},{"text":"So a greater diversification helps to mitigate as much risk as possible, and we wanna see 8% of your portfolio invested there.","start":461.42,"end":469.12,"sentiment":"neutral","sentiment_score":0.24349496513605118},{"text":"We are getting rid of the Benelon Australian Equities and the Raffi two hundred.","start":469.74,"end":473.42,"sentiment":"neutral","sentiment_score":0.010188332559274775},{"text":"So we are replacing those investments with the BetaShares a 200.","start":473.42,"end":477.665,"sentiment":"neutral","sentiment_score":0.06894952837716449},{"text":"Overall, this gives you exposure to the top 200 companies on the ASX.","start":478.285,"end":482.30502,"sentiment":"neutral","sentiment_score":0.24801113513799813}],"sentiment":"neutral","sentiment_score":0.1747498141123435,"num_words":74,"start":455.885,"end":482.30502},{"sentences":[{"text":"So it's giving you greater diversification than Van Along.","start":482.36502,"end":485.265,"sentiment":"neutral","sentiment_score":0.27723876635233563},{"text":"It's also a cheaper investment, so it does make your investment fees cheaper within the fund as well, which is a good thing.","start":485.325,"end":491.53,"sentiment":"positive","sentiment_score":0.3980632178161455},{"text":"Okay?","start":491.75,"end":492.25,"sentiment":"neutral","sentiment_score":0.1569681167602539},{"text":"And then you've got core composite bond, which is a defensive invest.","start":493.59,"end":497.35,"sentiment":"neutral","sentiment_score":0.22560651724537215},{"text":"You wanna hold 5% of that, and that's essentially replacing the bank hybrid that will be phased out in the future there for you.","start":497.35,"end":504.335,"sentiment":"neutral","sentiment_score":0.21425827157994112}],"sentiment":"neutral","sentiment_score":0.28488474997921265,"num_words":69,"start":482.36502,"end":504.335},{"sentences":[{"text":"Okay?","start":504.335,"end":504.835,"sentiment":"neutral","sentiment_score":0.11276696622371674},{"text":"Nice, easy.","start":505.935,"end":506.57498,"sentiment":"positive","sentiment_score":0.49223071336746216},{"text":"I won't go too much into those.","start":506.57498,"end":508.35498,"sentiment":"neutral","sentiment_score":0.07556756426181112},{"text":"If you wanted sort of more in-depth confirmation around what the investments are, feel free to let me know.","start":508.415,"end":512.975,"sentiment":"neutral","sentiment_score":0.09164166548534443},{"text":"But, essentially, this is the changes that we are making for you to make it easier.","start":512.975,"end":516.595,"sentiment":"neutral","sentiment_score":0.3144731209613383}],"sentiment":"neutral","sentiment_score":0.18664362049765057,"num_words":45,"start":504.335,"end":516.595},{"sentences":[{"text":"Essentially, you do have a lot of cash at the moment.","start":517.67,"end":520.15,"sentiment":"neutral","sentiment_score":0.17689442363652316},{"text":"So, obviously, as part of not sure if Paul mentioned to you, but as part of his last advice document, we actually did a spousal split.","start":520.15,"end":526.63,"sentiment":"neutral","sentiment_score":0.07101699179754807},{"text":"So we actually moved some money from his super into yours, which gave you a benefit.","start":526.63,"end":530.81,"sentiment":"neutral","sentiment_score":0.20479328790679574},{"text":"It gave him a benefit of keeping his balance a little bit lower, but it meant that your balance increased a little bit as well.","start":531.615,"end":537.215,"sentiment":"neutral","sentiment_score":0.2976622992753983},{"text":"So you do have a bit much cash in there.","start":537.215,"end":539.695,"sentiment":"neutral","sentiment_score":0.28863407522439954}],"sentiment":"neutral","sentiment_score":0.19769171917472372,"num_words":88,"start":517.67,"end":539.695},{"sentences":[{"text":"We wanna have that money reinvested with your portfolio, so you only hold 1.25% cash there as well.","start":539.695,"end":546.335,"sentiment":"neutral","sentiment_score":0.2658986962503857},{"text":"Okay?","start":546.335,"end":546.835,"sentiment":"neutral","sentiment_score":0.12080266326665878},{"text":"Yeah.","start":548.2,"end":548.68,"sentiment":"neutral","sentiment_score":0.2975512444972992},{"text":"All good.","start":548.68,"end":549.42004,"sentiment":"positive","sentiment_score":0.5248027294874191},{"text":"If you scroll down to page 21 for me, this is sort of the outcome of why we're making these changes for you.","start":549.72003,"end":555.9,"sentiment":"neutral","sentiment_score":0.2300886492366376}],"sentiment":"neutral","sentiment_score":0.256581662926409,"num_words":45,"start":539.695,"end":555.9},{"sentences":[{"text":"All good.","start":557.32,"end":557.88,"sentiment":"positive","sentiment_score":0.4236217141151428},{"text":"So your super fund, just like you, does a tax return every year.","start":557.88,"end":560.885,"sentiment":"neutral","sentiment_score":0.15764222408716494},{"text":"So, essentially, we've gone back and had a look at making the changes, and we understand that in order to make the switch of those investments, your super fund is expected to pay CGT.","start":560.885,"end":569.705,"sentiment":"neutral","sentiment_score":0.1011775735327426},{"text":"So capital gains is $712 all sorted by your super fund that has no effect on you personally, which is great.","start":570.085,"end":576.96,"sentiment":"neutral","sentiment_score":0.24826269525857197},{"text":"But it does mean, essentially, once we complete the switch with them paying the CGT, we expect your balance to be about a $170 oh, sorry.","start":577.26,"end":585.66,"sentiment":"neutral","sentiment_score":0.14263732444781524}],"sentiment":"neutral","sentiment_score":0.15894496747447798,"num_words":96,"start":557.32,"end":585.66},{"sentences":[{"text":"A $170,008.22.","start":585.66,"end":588.08,"sentiment":"neutral","sentiment_score":0.07731999829411507},{"text":"That is before that as of the date on the document.","start":588.7,"end":592.135,"sentiment":"neutral","sentiment_score":0.019543855197050354},{"text":"So, obviously, markets have been up and down a bit since then, so it might be slightly different.","start":592.135,"end":596.055,"sentiment":"neutral","sentiment_score":-0.036741323562131986},{"text":"I know we've seen some good gains since the end of June as well, which is good.","start":596.055,"end":599.835,"sentiment":"neutral","sentiment_score":0.2699512716601877},{"text":"But, essentially, based on this, we expect you to start about a 170,000 there.","start":600.855,"end":605.19,"sentiment":"neutral","sentiment_score":0.10522480734757014}],"sentiment":"neutral","sentiment_score":0.09307415323752549,"num_words":62,"start":585.66,"end":605.19},{"sentences":[{"text":"Administration fees don't change because we're not changing anything with the actual fund itself, but your investment fees, you can see a difference.","start":605.83,"end":612.87,"sentiment":"neutral","sentiment_score":-0.010761556822968565},{"text":"So we go from paying over $700 for the year in investment fees to only 300 with the new portfolio.","start":612.87,"end":618.65,"sentiment":"neutral","sentiment_score":0.16302425554022193},{"text":"So it does save you $463 in investment fees, which is great.","start":618.87,"end":623.275,"sentiment":"positive","sentiment_score":0.6679314275582632},{"text":"More money staying in your super compounding harder.","start":623.275,"end":625.935,"sentiment":"positive","sentiment_score":0.369832843542099},{"text":"Yeah.","start":628.155,"end":628.47504,"sentiment":"neutral","sentiment_score":0.17528557777404785}],"sentiment":"neutral","sentiment_score":0.22128273063572124,"num_words":64,"start":605.83,"end":628.47504},{"sentences":[{"text":"The ongoing service fee does continue to come out of the fund.","start":628.47504,"end":631.61505,"sentiment":"neutral","sentiment_score":0.12988799065351486},{"text":"You guys are on a couple fee, which is 1.10%.","start":631.94,"end":635.62,"sentiment":"neutral","sentiment_score":0.09460539743304253},{"text":"So that is reduced from our normal percentage because you both are clients.","start":635.62,"end":639.38,"sentiment":"neutral","sentiment_score":0.12290670321537898},{"text":"We both we wanna look after both of you together.","start":639.38,"end":641.8,"sentiment":"neutral","sentiment_score":0.18386369645595552},{"text":"And you've got your contributions going in as well, which is no change there.","start":642.74,"end":646.465,"sentiment":"neutral","sentiment_score":0.293646548475538}],"sentiment":"neutral","sentiment_score":0.1703760279184681,"num_words":59,"start":628.47504,"end":646.465},{"sentences":[{"text":"And insurance premium continues, so no major change there.","start":646.465,"end":649.585,"sentiment":"neutral","sentiment_score":0.04337270309527715},{"text":"We just like to make sure we factor those into the projection side of things for you.","start":649.585,"end":654.065,"sentiment":"neutral","sentiment_score":0.12357433184104807},{"text":"Okay?","start":654.065,"end":654.565,"sentiment":"neutral","sentiment_score":0.06289397180080414},{"text":"You'll say within that high growth environment that you can sort of see the difference.","start":655.505,"end":659.425,"sentiment":"neutral","sentiment_score":0.1257451022664706},{"text":"The older high growth portfolio, when we look at historical data, has averaged about 9.86% on a yearly basis, which isn't bad, but the newer portfolio has shown greater past performance.","start":659.425,"end":669.82,"sentiment":"neutral","sentiment_score":0.0897234448742482}],"sentiment":"neutral","sentiment_score":0.09892623652129957,"num_words":73,"start":646.465,"end":669.82},{"sentences":[{"text":"So if it can get that over the next sort of five to ten years below, you can sort of see what should be projected and where you could end up over the next five to ten years, which is a much greater return and can put you in a much better position as well.","start":669.96,"end":683.575,"sentiment":"neutral","sentiment_score":0.15850565758618443},{"text":"So yeah.","start":683.575,"end":684.555,"sentiment":"neutral","sentiment_score":0.1323501579463482},{"text":"All good.","start":686.135,"end":687.035,"sentiment":"positive","sentiment_score":0.3646813929080963},{"text":"Underneath that on the next page, obviously, we're not changing anything with your insurances, but we have just a little projection table, which essentially shows you the same as the above, the current, the recommended, but it also shows you the effect on your super if you are not paying insurances at all.","start":687.175,"end":701.55005,"sentiment":"neutral","sentiment_score":0.04987463949002185},{"text":"So, obviously, insurances are being scoped into a limited scope only because we understand that they are being paid out of your super, and they do have an effect on your overall retirement projected outcome.","start":701.55005,"end":711.985,"sentiment":"neutral","sentiment_score":0.04111031432236944}],"sentiment":"neutral","sentiment_score":0.09383735485172191,"num_words":147,"start":669.96,"end":711.985},{"sentences":[{"text":"And this just shows you the effect if you were not paying for insurances inside super, what the projected outcome could be with the changes that we are making as well.","start":712.285,"end":720.37,"sentiment":"neutral","sentiment_score":0.06756218318496982},{"text":"Okay?","start":720.58997,"end":721.08997,"sentiment":"neutral","sentiment_score":0.03822723776102066},{"text":"Excellent.","start":722.58997,"end":723.08997,"sentiment":"positive","sentiment_score":0.7443184852600098},{"text":"That is essentially the entire document there.","start":723.55,"end":726.05,"sentiment":"positive","sentiment_score":0.5907481738499233},{"text":"That's everything I needed to go through, a nice easy one for you.","start":726.26996,"end":729.73,"sentiment":"positive","sentiment_score":0.6643969462468073}],"sentiment":"neutral","sentiment_score":0.29527114943232174,"num_words":53,"start":712.285,"end":729.73},{"sentences":[{"text":"We do have in there the advantages, the disadvantages, and the risks involved.","start":730.11,"end":733.70996,"sentiment":"neutral","sentiment_score":0.04523709402061426},{"text":"I've gone through some of those with you with regard to the CDP and the outcome with regard to the fees.","start":733.70996,"end":739.30505,"sentiment":"neutral","sentiment_score":0.0658845135143825},{"text":"If you wanted to take some time just to have a bit of a read to the document when you've got a few minutes there, it's also added the best interest duty, and it kinda relates it back to your goals for you.","start":740.325,"end":750.885,"sentiment":"neutral","sentiment_score":0.13858050211917522},{"text":"So take some time.","start":750.885,"end":752.06995,"sentiment":"neutral","sentiment_score":0.14097055047750473},{"text":"Have a look through that one.","start":752.06995,"end":753.44995,"sentiment":"neutral","sentiment_score":0.14547233656048775}],"sentiment":"neutral","sentiment_score":0.10767051515479882,"num_words":87,"start":730.11,"end":753.44995},{"sentences":[{"text":"If you find you have any additional questions, Jackie, please let me know.","start":753.50995,"end":757.19,"sentiment":"neutral","sentiment_score":0.09809162639654599},{"text":"And if you're happy to take on the advice, we'll get you to sign and return that back so we can have that switch implemented nice and quick for you.","start":757.35,"end":764.085,"sentiment":"positive","sentiment_score":0.3530600104480982},{"text":"Okay?","start":764.325,"end":764.825,"sentiment":"neutral","sentiment_score":0.1093163713812828},{"text":"Does is there any questions that have come out of that at the moment?","start":765.445,"end":768.42505,"sentiment":"neutral","sentiment_score":0.023468943977994577},{"text":"Or Oh, thank you.","start":768.48505,"end":773.945,"sentiment":"neutral","sentiment_score":0.26461326121352613}],"sentiment":"neutral","sentiment_score":0.21553751755686057,"num_words":62,"start":753.50995,"end":773.945},{"sentences":[{"text":"My pleasure.","start":775.525,"end":776.325,"sentiment":"positive","sentiment_score":0.6402207612991333},{"text":"It was an honor honestly, it's an absolute pleasure to do this work for you.","start":776.325,"end":779.60504,"sentiment":"positive","sentiment_score":0.7626890341440836},{"text":"I love what I do, and I just wanna make sure you're having the best time possible.","start":779.60504,"end":784.04047,"sentiment":"positive","sentiment_score":0.5293051021940568},{"text":"So we'll keep reviewing things and updating things as we need to.","start":784.04047,"end":787.22485,"sentiment":"neutral","sentiment_score":0.13853359036147594},{"text":"But, look, yeah, I will not take up any more of your precious time.","start":787.22485,"end":790.93994,"sentiment":"neutral","sentiment_score":-0.028135620722813264}],"sentiment":"positive","sentiment_score":0.38312446943794687,"num_words":60,"start":775.525,"end":790.93994},{"sentences":[{"text":"You've got small kids and a sick husband, so I will let you go.","start":790.93994,"end":794.655,"sentiment":"neutral","sentiment_score":0.0001871945070368903},{"text":"And, yeah, I hope you have a lovely day, but thank you for taking my call this morning.","start":794.895,"end":799.05505,"sentiment":"neutral","sentiment_score":0.30503894823292893},{"text":"I really appreciate your time.","start":799.05505,"end":800.67505,"sentiment":"neutral","sentiment_score":0.28551816046237943},{"text":"Any anytime, Jackie, it's an honestly, it's a pleasure to work with you guys.","start":802.73505,"end":806.815,"sentiment":"positive","sentiment_score":0.6743836232594081},{"text":"So you no worries.","start":806.815,"end":809.31,"sentiment":"neutral","sentiment_score":0.2678638771176338}],"sentiment":"neutral","sentiment_score":0.31697706959464333,"num_words":55,"start":790.93994,"end":809.31},{"sentences":[{"text":"I'll let you be.","start":809.31,"end":810.02997,"sentiment":"neutral","sentiment_score":0.30860527604818344},{"text":"You have a great day, and let me know if there's any questions that come out of that at all.","start":810.02997,"end":814.51,"sentiment":"neutral","sentiment_score":0.20722228642553092},{"text":"Okay.","start":814.51,"end":815.01,"sentiment":"positive","sentiment_score":0.49351438879966736},{"text":"My pleasure.","start":816.51,"end":817.32996,"sentiment":"positive","sentiment_score":0.5392520129680634},{"text":"See you later.","start":817.39,"end":818.20996,"sentiment":"positive","sentiment_score":0.6183386445045471}],"sentiment":"neutral","sentiment_score":0.2935300393650929,"num_words":30,"start":809.31,"end":818.20996},{"sentences":[{"text":"Thanks.","start":818.51,"end":819.01,"sentiment":"positive","sentiment_score":0.6705870628356934},{"text":"Bye.","start":819.07,"end":819.57,"sentiment":"neutral","sentiment_score":-0.08470720797777176}],"sentiment":"neutral","sentiment_score":0.2929399274289608,"num_words":2,"start":818.51,"end":819.57}]}}]},{"alternatives":[{"transcript":"Hello. Jackie speaking. Good. How are you? Yep. Yep. That's fine. Sorry. Could you say that again? Yeah. Yeah. It just cut out. Sorry. Yeah. Yeah. That's fine. I can do that. I can look. Work. Yes. That's fine. Yes. So it's Jackie Monaghan, '18 James, Illinois Drive, Bowen Hills, and 19th Of The 7th 91. Yep. Okay. I'm fine. I'm doing good. It's a bit chaotic, actually. My my husband, Paul, is actually we've only just got back from the hospital late last night. He he said oh, you know, Joseph? Oh, sorry. My son's just doing something that doesn't need to happen right now. This is it. Okay. Well, yeah, my he's had a sin in the hospital. Unfortunately, he had a infection and yeah. So we got home late last night and yeah. He's still not super well, but he'll be okay. So, yeah, I just yes. Yes. Yep. Oh, thank you. That was yes. Yeah. Yes. Yeah. That's only the doctors today. Sorry. I was just talking to my young fella. Yeah. That's only the hospital. Yes. Sorry. It's us. Yep. Yep. Yep. Yep. Yep. Yep. Yes. Mhmm. Yep. Yep. Sounds good. Thank you. Yeah. Oh, that's okay. You're okay. I am I've already had a I I had a terrible week when I missed you the first time, so I've I feel terrible that yeah. And I was like, I have to take this call. Oh, yes. Oh, yes. I mean, the kids and I, we just have, like, the flu, but, yeah, Paul's been very sick. So, anyways, that's okay. We're all good. Yes. Thank you. Yeah. Yep. Yes. Ah, yeah. Yep. Yes. Yeah. Cool. Thank you. Yep. Yep. Yep. Yeah. Interesting. Yep. Yep. Okay. Sounds good. Mhmm. Yep. Oh, okay. Yep. Yep. Yep. Yep. Yep. Mhmm. Yep. Okay. Thank you. Okay. Yep. Yeah. Thank you. Yep. Yes. Yeah. I can smell the dishwasher. Yep. Yes. Yep. Yep. Yep. Okay. Yep. Yes. Yep. Okay. Yeah. Yeah. Yeah. Definitely. Thank you. Yes. Yes. Yes. Thank you. Mhmm. Yes. Again. Thank you. Yes. Yeah. Mhmm. Yep. Great. Thank you. Mhmm. Yep. Okay. Yep. Yes. Mhmm. Yes. Yes. Yes. Yep. That's fine. Yep. Yeah. That looks good. No. It looks yeah. You've done wonderfully. That's yeah. Thank you very much. Yeah. It's great. That's good. Thank you. Yes. Yes. Thank you. Oh, my pleasure. Thank you for doing really. It's great. Thank you. Yes. Great. Thank you, Tina. Alright. You too. Have a good one. 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Jackie speaking. Good. How are you? Yep.\n\nYep. That's fine. Sorry. Could you say that again? Yeah.\n\nYeah. It just cut out. Sorry. Yeah. Yeah.\n\nThat's fine. I can do that. I can look. Work. Yes.\n\nThat's fine. Yes. So it's Jackie Monaghan, '18 James, Illinois Drive, Bowen Hills, and 19th Of The 7th 91. Yep. Okay.\n\nI'm fine. I'm doing good. It's a bit chaotic, actually. My my husband, Paul, is actually we've only just got back from the hospital late last night. He he said oh, you know, Joseph?\n\nOh, sorry. My son's just doing something that doesn't need to happen right now. This is it. Okay. Well, yeah, my he's had a sin in the hospital.\n\nUnfortunately, he had a infection and yeah. So we got home late last night and yeah. He's still not super well, but he'll be okay. So, yeah, I just yes. Yes.\n\nYep. Oh, thank you. That was yes. Yeah. Yes.\n\nYeah. That's only the doctors today. Sorry. I was just talking to my young fella. Yeah.\n\nThat's only the hospital. Yes. Sorry. It's us. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYes. Mhmm. Yep. Yep. Sounds good.\n\nThank you. Yeah. Oh, that's okay. You're okay. I am I've already had a I I had a terrible week when I missed you the first time, so I've I feel terrible that yeah.\n\nAnd I was like, I have to take this call. Oh, yes. Oh, yes. I mean, the kids and I, we just have, like, the flu, but, yeah, Paul's been very sick. So, anyways, that's okay.\n\nWe're all good. Yes. Thank you. Yeah. Yep.\n\nYes. Ah, yeah. Yep. Yes. Yeah.\n\nCool. Thank you. Yep. Yep. Yep.\n\nYeah. Interesting. Yep. Yep. Okay.\n\nSounds good. Mhmm. Yep. Oh, okay. Yep.\n\nYep. Yep. Yep. Yep. Mhmm.\n\nYep. Okay. Thank you. Okay. Yep.\n\nYeah. Thank you. Yep. Yes. Yeah.\n\nI can smell the dishwasher. Yep. Yes. Yep. Yep.\n\nYep. Okay. Yep. Yes. Yep.\n\nOkay. Yeah. Yeah. Yeah. Definitely.\n\nThank you. Yes. Yes. Yes. Thank you.\n\nMhmm. Yes. Again. Thank you. Yes.\n\nYeah. Mhmm. Yep. Great. Thank you.\n\nMhmm. Yep. Okay. Yep. Yes.\n\nMhmm. Yes. Yes. Yes. Yep.\n\nThat's fine. Yep. Yeah. That looks good. No.\n\nIt looks yeah. You've done wonderfully. That's yeah. Thank you very much. Yeah.\n\nIt's great. That's good. Thank you. Yes. Yes.\n\nThank you. Oh, my pleasure. Thank you for doing really. It's great. Thank you.\n\nYes. Great. Thank you, Tina. Alright. You too.\n\nHave a good one. 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Jackie speaking.\n\nChannel 0: Hi, Jackie. It's Dana from Oakey Financial. How are you this morning?\n\nChannel 1: Good. How are you?\n\nChannel 0: I'm very well. Thank you. I had you booked in just to go through your updated device document. Is now still a good time there for you?\n\nChannel 1: Yep. Yep. That's\n\nChannel 0: Fantastic. I normally send this one through to you so you can have a look at it with me. Are you able to jump into your emails there? Or\n\nChannel 1: fine. Sorry. Could you say that again?\n\nChannel 0: that's okay. I'm so sorry. The phone's breaking up a little bit. Please let me know.\n\nChannel 1: Yeah.\n\nChannel 0: I\n\nChannel 1: Yeah.\n\nChannel 0: normally\n\nChannel 1: It just cut out.\n\nChannel 0: no.\n\nChannel 1: Sorry.\n\nChannel 0: That's okay. You're fine. I normally send through the documents to you via email. Are you able to grab your emails and look at the document with me, or is now not a good time to jump into your emails?\n\nChannel 1: Yeah. Yeah. That's fine. I can do that. I\n\nChannel 0: That's\n\nChannel 1: can look.\n\nChannel 0: okay. Fantastic. I'll send this one through. Now just before we jump into the call completely, just to let you know, we do record our calls for training and quality purposes. Are you happy for me to proceed with that?\n\nChannel 1: Work. Yes. That's fine.\n\nChannel 0: Fantastic. And just to do a quick security check there with you as well, Jackie, just to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Yes. So it's Jackie Monaghan, '18\n\nChannel 0: Yep.\n\nChannel 1: James, Illinois Drive,\n\nChannel 0: Yep.\n\nChannel 1: Bowen Hills, and 19th Of The 7th 91.\n\nChannel 0: Fantastic. Thank you so much for that. That has been through. I have been having some trouble with the phone this morning. So if I drop out, please let me know.\n\nIf anything happens, I'll call you back, but I'll try to sort of limit going through things to what we need to to make it more time conservative for you as well. All good.\n\nChannel 1: Yep. Okay. I'm fine. I'm doing good.\n\nChannel 0: Fantastic. How's your morning been so far?\n\nChannel 1: It's a bit chaotic, actually.\n\nChannel 0: Yeah.\n\nChannel 1: My my husband, Paul, is actually we've only just got back from the hospital late last night. He\n\nChannel 0: Oh,\n\nChannel 1: he said\n\nChannel 0: no.\n\nChannel 1: oh, you know, Joseph? Oh, sorry. My son's just doing something that doesn't need to\n\nChannel 0: Yeah.\n\nChannel 1: happen right now. This is it. Okay. Well, yeah, my he's had a sin in the hospital. Unfortunately, he had a infection and\n\nChannel 0: Oh, no.\n\nChannel 1: yeah. So we got home late last night and yeah. He's still not super well, but he'll be okay. So, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: I just\n\nChannel 0: So he's resting in bed, just chilling\n\nChannel 1: yes.\n\nChannel 0: and trying to rest. Good stuff. Well,\n\nChannel 1: Yes.\n\nChannel 0: please\n\nChannel 1: Yep.\n\nChannel 0: tell Paul I hope he has a quick recovery, and I'm so sorry that you guys are going through that, especially a small\n\nChannel 1: Oh, thank\n\nChannel 0: kid.\n\nChannel 1: you.\n\nChannel 0: There's\n\nChannel 1: That was\n\nChannel 0: a lot\n\nChannel 1: yes.\n\nChannel 0: on\n\nChannel 1: Yeah.\n\nChannel 0: your plate at the moment.\n\nChannel 1: Yes. Yeah. That's only the doctors today. Sorry. I was just\n\nChannel 0: Yeah.\n\nChannel 1: talking to my young fella. Yeah. That's only\n\nChannel 0: Oh, no.\n\nChannel 1: the\n\nChannel 0: You're all good. Has that email popped through to you at the moment there\n\nChannel 1: hospital.\n\nChannel 0: at all?\n\nChannel 1: Yes. Sorry. It's us. Yep.\n\nChannel 0: Yep. That's absolutely fine. So with that one there, I have attached the additional documentation that relate to the advice document. But if you just click on the button that does say I believe it says sign and then move forward so you can see the document. It never asks you to sign anything you haven't read, and it just allows you to go up and down throughout the document there to make it easier on you.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So this one here on the front page notes prepared for yourself as of the 06/29/2026. Now our documents are valid for sixty days from the date on the document there. On the bottom, it has all my licensing information. So as a licensed adviser, my registration number with ASIC is 1304394.\n\nChannel 1: Yep.\n\nChannel 0: With this advice, nice and easy one. It's more to scope around your superannuation and also looking at what to do with the investments because we did when we did the annual review, we discussed there have been some underperformance of investments there. So we wanted to just realign things, reevaluate the super and the investments, and then just sort of make some changes to that for you so that everything's\n\nChannel 1: Yep.\n\nChannel 0: working harder towards your goal. We wanna make sure that you have the best time possible, and we are working towards, at the moment, being able to retire in the future at about eight sixty five, hopefully, on about an income of about $1,200 per week between yourself and Paul. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Excellent. So to make this one easier, if you can scroll down for me, we'll just head down to page number 18 where the heading is investment recommended investments. I'll just take you\n\nChannel 1: Yes.\n\nChannel 0: through the changes and the recommendations, and then I'll let you go back. And when you've got some time,\n\nChannel 1: Mhmm.\n\nChannel 0: you'll be able to go back and just have a bit of a read of the document there as well. Okay?\n\nChannel 1: Yep. Yep. Sounds good.\n\nChannel 0: Make\n\nChannel 1: Thank\n\nChannel 0: it\n\nChannel 1: you.\n\nChannel 0: easier on you. The last thing you need is me taking up all your time.\n\nChannel 1: Yeah. Oh, that's okay. You're okay. I am I've already had a I I had a terrible week when I missed you the first time, so I've I feel terrible that yeah. And I\n\nChannel 0: No.\n\nChannel 1: was like, I have\n\nChannel 0: Please\n\nChannel 1: to take\n\nChannel 0: don't.\n\nChannel 1: this call.\n\nChannel 0: No. Please don't. Honestly, it's absolutely fine. Samantha mentioned that you'd been unwell, and then\n\nChannel 1: Oh,\n\nChannel 0: the kids have been unwell. And now Paul, it's like it's all\n\nChannel 1: yes.\n\nChannel 0: going through.\n\nChannel 1: Oh, yes. I mean, the kids and I, we just have, like, the flu, but, yeah, Paul's\n\nChannel 0: Yeah.\n\nChannel 1: been very sick. So, anyways,\n\nChannel 0: Oh,\n\nChannel 1: that's okay.\n\nChannel 0: I\n\nChannel 1: We're\n\nChannel 0: hope\n\nChannel 1: all good.\n\nChannel 0: he feels better soon. Yeah.\n\nChannel 1: Yes.\n\nChannel 0: Absolutely.\n\nChannel 1: Thank you.\n\nChannel 0: So with this page here, you'll see it essentially runs down your super, and it also has all your investments there. So I'll just go\n\nChannel 1: Yeah.\n\nChannel 0: through what we're looking to do. So this is basically just retaining your hub twenty four super. There is nothing wrong with hub twenty four. It is a really great fund.\n\nChannel 1: Yep.\n\nChannel 0: So we are just wanting to switch the investments within the fund there. So we will be selling off all the battery\n\nChannel 1: Yes.\n\nChannel 0: and lithium tax. We're selling down the Ben along Australian equities as well. That's the\n\nChannel 1: Ah,\n\nChannel 0: one\n\nChannel 1: yeah.\n\nChannel 0: that has\n\nChannel 1: Yep.\n\nChannel 0: been underperforming pretty heavily for you.\n\nChannel 1: Yes.\n\nChannel 0: And the bank hybrid is a a complex investment that is about to be actually phased out by the government in the next couple of years. So we wanna remove that now while we are making these changes for you as well.\n\nChannel 1: Yeah. Cool. Thank you.\n\nChannel 0: The China new economy hasn't really held its own. Has China has had some trouble since COVID coming out of the COVID slump, so it hasn't really been performing the way we would like it to be. So we are\n\nChannel 1: Yep.\n\nChannel 0: also gonna remove that for you.\n\nChannel 1: Yep.\n\nChannel 0: And physical gold has done really, really well, but you are just a bit overexposed at the moment. You do hold 7% of your portfolio currently, but when we reweight everything to still have 7% in your newer portfolio, we just need to sell a little over $200 Okay? Cybersecurity, we currently hold 6%. We still wanna hold 6% of your total portfolio, but when we look at the reweighting of it all, we just need to sell off about a $124 there. Keeping it\n\nChannel 1: Yep.\n\nChannel 0: in this cyber security has been a bit of a downtime, but it will still come back. It's just one of those slumps. We just need\n\nChannel 1: Yeah.\n\nChannel 0: to wait\n\nChannel 1: Interesting.\n\nChannel 0: through that one.\n\nChannel 1: Yep.\n\nChannel 0: But it moving forward, it is still a very important area to be invested in.\n\nChannel 1: Yep. Okay.\n\nChannel 0: With\n\nChannel 1: Sounds good.\n\nChannel 0: the S and P 500, that's The US exposure for you. So you currently\n\nChannel 1: Mhmm.\n\nChannel 0: hold 29% in that. We wanna\n\nChannel 1: Yep.\n\nChannel 0: overall have a weighting of 35%.\n\nChannel 1: Oh, okay.\n\nChannel 0: US\n\nChannel 1: Yep.\n\nChannel 0: and in international equity still provide great returns when you look at the longevity and how history has performed. So we\n\nChannel 1: Yep.\n\nChannel 0: still wanna make sure we hold 35%. That's we'll buy a little over 9,000 of that for you.\n\nChannel 1: Yep.\n\nChannel 0: The Van Eck Australian property, we are just removing that from this portfolio completely. So we'll sell all of that off. We've also got the Raffi a 200 in there. We are selling that completely out of the portfolio because we are replacing your Australian equities component. So that investment will go.\n\nChannel 1: Yep.\n\nChannel 0: You will buy into the European exposures to giving you access to all the European countries. We want 9% of your total portfolio. The Japanese exposure as well for giving you 5% exposure into Japan, and the all world ex US. This is giving you exposure to the global, so the entire globe minus The US because we have the S and P 500 there. It is about diversifying your portfolio, and overall diversification helps to reduce risk levels.\n\nSo\n\nChannel 1: Yep.\n\nChannel 0: a greater diversification helps to mitigate as much risk as possible, and we wanna see 8% of your portfolio invested there.\n\nChannel 1: Mhmm.\n\nChannel 0: We are getting rid of the Benelon Australian Equities and the Raffi two hundred. So we are replacing those investments with the BetaShares a 200. Overall, this gives you exposure to the top 200 companies on the ASX. So it's giving you greater diversification than Van Along. It's also a cheaper investment, so it does make your investment fees cheaper within the fund as well, which is a good thing.\n\nOkay?\n\nChannel 1: Yep. Okay. Thank you.\n\nChannel 0: And then you've got core composite bond, which is a defensive invest. You wanna hold 5% of that, and that's essentially replacing the bank hybrid that will be phased out in the future there for you. Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: Nice, easy. I won't go too much into those. If you wanted sort of more in-depth confirmation around what the investments are, feel free to let me know. But, essentially, this is the changes that we are making for you to make it easier.\n\nChannel 1: Yeah. Thank you.\n\nChannel 0: Essentially, you do have a lot of cash at the moment. So, obviously, as part of not sure if Paul mentioned to you, but as part of his last advice document, we actually did a spousal split. So we actually\n\nChannel 1: Yep.\n\nChannel 0: moved some money from his super into yours, which gave you\n\nChannel 1: Yes.\n\nChannel 0: a benefit.\n\nChannel 1: Yeah.\n\nChannel 0: It gave him a benefit of keeping his balance a little bit lower,\n\nChannel 1: I\n\nChannel 0: but\n\nChannel 1: can\n\nChannel 0: it meant\n\nChannel 1: smell\n\nChannel 0: that your\n\nChannel 1: the\n\nChannel 0: balance\n\nChannel 1: dishwasher.\n\nChannel 0: increased a little bit as well. So you do have a bit much cash in there. We wanna have that money reinvested with your portfolio, so you only\n\nChannel 1: Yep.\n\nChannel 0: hold 1.25% cash there as well. Okay?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yeah. All good. If you scroll down to page 21 for me, this is sort of the outcome of why we're making these changes for you.\n\nChannel 1: Yep.\n\nChannel 0: All good. So your super fund, just like you, does a tax return every year. So, essentially, we've gone back and had a look at making the changes, and we understand that in order to make the switch of those investments, your super fund is expected to pay CGT. So capital\n\nChannel 1: Yep.\n\nChannel 0: gains is $712 all sorted by your super fund that has no effect on you personally, which is great. But it does\n\nChannel 1: Okay.\n\nChannel 0: mean, essentially, once we complete the switch with them paying the CGT, we expect your balance to be about a $170 oh, sorry. A $170,008.22.\n\nChannel 1: Yep.\n\nChannel 0: That is before that as of the date on the document. So, obviously, markets have been up and down a bit since then, so it might be slightly\n\nChannel 1: Yes.\n\nChannel 0: different. I know we've seen some good gains since the end of June as well, which is good.\n\nChannel 1: Yep.\n\nChannel 0: But, essentially, based on this, we expect you to start about a 170,000 there.\n\nChannel 1: Okay.\n\nChannel 0: Administration fees don't change because we're not changing anything with the actual fund itself, but your investment fees, you can see a difference. So we go from paying\n\nChannel 1: Yeah.\n\nChannel 0: over $700 for the year in investment fees to only 300 with the new portfolio. So it does save you $463 in investment fees, which is great. More money\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: staying in your super compounding harder.\n\nChannel 1: Definitely. Thank you.\n\nChannel 0: Yeah. The ongoing service fee does continue to come out of the fund. You guys are on a couple\n\nChannel 1: Yes.\n\nChannel 0: fee, which is 1.10%. So that is reduced\n\nChannel 1: Yes.\n\nChannel 0: from our normal percentage because you both are clients. We both we wanna look after both of you together.\n\nChannel 1: Yes.\n\nChannel 0: And\n\nChannel 1: Thank\n\nChannel 0: you've\n\nChannel 1: you.\n\nChannel 0: got your contributions going in as well, which is no change there. And insurance premium continues, so\n\nChannel 1: Mhmm.\n\nChannel 0: no major change there. We just like to make sure we factor those into the projection side of things for you.\n\nChannel 1: Yes.\n\nChannel 0: Okay?\n\nChannel 1: Again. Thank you.\n\nChannel 0: You'll say within that high growth environment that you can sort of see the difference. The older high growth portfolio, when we look at historical data, has averaged about 9.86% on a yearly basis, which isn't bad, but the newer\n\nChannel 1: Yes.\n\nChannel 0: portfolio has shown greater past performance. So if it can get that over the next sort of five to ten years below, you can sort of see what should be projected and where\n\nChannel 1: Yeah.\n\nChannel 0: you could end up over the next five to ten years, which is a much greater return and can put\n\nChannel 1: Mhmm.\n\nChannel 0: you in a much better position as well. So\n\nChannel 1: Yep.\n\nChannel 0: yeah.\n\nChannel 1: Great. Thank\n\nChannel 0: All good. Underneath that on the next page, obviously, we're not changing anything with your insurances, but we have just a\n\nChannel 1: you.\n\nChannel 0: little projection table, which essentially shows you the same as the above, the current, the recommended, but it also shows you the effect on your super if you are not paying insurances at all. So, obviously, insurances are being scoped into a limited scope only because we understand that they are being paid out of your super, and they do have an effect on your overall retirement projected outcome. And this\n\nChannel 1: Mhmm.\n\nChannel 0: just shows you the effect if you were not paying for insurances inside super, what the projected outcome could be with the changes that we are making as well.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: Excellent. That is essentially the entire document there. That's everything I needed to go through, a nice easy one for you.\n\nChannel 1: Yes.\n\nChannel 0: We do have in there the advantages, the disadvantages, and the risks involved. I've gone through some of those with you with regard to the CDP and the outcome with regard to the fees.\n\nChannel 1: Mhmm.\n\nChannel 0: If you wanted to take some time just to have a bit of a read to the document when you've got a few minutes there,\n\nChannel 1: Yes.\n\nChannel 0: it's also added the best interest duty, and it kinda relates it back to your goals for you. So take some time. Have a look through that one. If you find you have any additional questions, Jackie, please let me know. And if\n\nChannel 1: Yes.\n\nChannel 0: you're\n\nChannel 1: Yes.\n\nChannel 0: happy to take\n\nChannel 1: Yep.\n\nChannel 0: on the advice, we'll get you to sign and return that back so we can have that switch implemented nice and quick for you. Okay?\n\nChannel 1: That's fine. Yep.\n\nChannel 0: Does\n\nChannel 1: Yeah.\n\nChannel 0: is\n\nChannel 1: That\n\nChannel 0: there\n\nChannel 1: looks\n\nChannel 0: any questions\n\nChannel 1: good.\n\nChannel 0: that have come out of that at the moment? Or\n\nChannel 1: No. It looks yeah. You've done wonderfully. That's\n\nChannel 0: Oh, thank you.\n\nChannel 1: yeah. Thank you very much. Yeah. It's great.\n\nChannel 0: My pleasure. It was an honor honestly, it's an absolute pleasure to do this work for you. I love what I do, and I\n\nChannel 1: That's\n\nChannel 0: just\n\nChannel 1: good.\n\nChannel 0: wanna make sure you're having the best time possible. So we'll\n\nChannel 1: Thank\n\nChannel 0: keep\n\nChannel 1: you.\n\nChannel 0: reviewing things and updating things as we need to. But, look,\n\nChannel 1: Yes.\n\nChannel 0: yeah, I will not take up any more of your precious time. You've got small kids and a sick husband, so I will let you go. And,\n\nChannel 1: Yes.\n\nChannel 0: yeah, I\n\nChannel 1: Thank\n\nChannel 0: hope\n\nChannel 1: you.\n\nChannel 0: you have a lovely day, but thank you for taking my call this morning. I really\n\nChannel 1: Oh,\n\nChannel 0: appreciate\n\nChannel 1: my\n\nChannel 0: your time.\n\nChannel 1: pleasure. Thank you for doing really. It's great.\n\nChannel 0: Any anytime, Jackie, it's an honestly, it's a pleasure to work with you guys. So you\n\nChannel 1: Thank you.\n\nChannel 0: no worries. I'll let you be. You have a great day, and let me\n\nChannel 1: Yes.\n\nChannel 0: know if there's any questions that come out of that at all. Okay.\n\nChannel 1: Great. Thank you, Tina. Alright. You too.\n\nChannel 0: My\n\nChannel 1: Have a\n\nChannel 0: pleasure.\n\nChannel 1: good one.\n\nChannel 0: See you later. Thanks.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.56,"end":0.96,"sentiment":"neutral","sentiment_score":0.033198367804288864},{"text":"Jackie speaking.","start":0.96,"end":1.86,"sentiment":"neutral","sentiment_score":0.03316155634820461}],"sentiment":"neutral","sentiment_score":0.03317382683356603,"channel":1,"num_words":3,"start":0.56,"end":1.86},{"sentences":[{"text":"Hi, Jackie.","start":2.72,"end":3.28,"sentiment":"neutral","sentiment_score":0.16191472113132477},{"text":"It's Dana from Oakey Financial.","start":3.28,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.22111554741859435},{"text":"How are you this morning?","start":4.88,"end":6.1,"sentiment":"neutral","sentiment_score":0.24884291291236876}],"sentiment":"neutral","sentiment_score":0.2228018119931221,"channel":0,"num_words":12,"start":2.72,"end":6.1},{"sentences":[{"text":"Good.","start":6.16,"end":6.48,"sentiment":"positive","sentiment_score":0.4469124376773834},{"text":"How are you?","start":6.48,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.31744999686876935}],"sentiment":"positive","sentiment_score":0.34981560707092285,"channel":1,"num_words":4,"start":6.16,"end":7.2999997},{"sentences":[{"text":"I'm very well.","start":7.68,"end":8.639999,"sentiment":"positive","sentiment_score":0.6104249755541483},{"text":"Thank you.","start":8.639999,"end":9.28,"sentiment":"positive","sentiment_score":0.668056070804596},{"text":"I had you booked in just to go through your updated device document.","start":9.28,"end":12.16,"sentiment":"neutral","sentiment_score":0.24603403302339408},{"text":"Is now still a good time there for you?","start":12.16,"end":14.179999,"sentiment":"neutral","sentiment_score":0.1979280561208725}],"sentiment":"neutral","sentiment_score":0.3017474815801338,"channel":0,"num_words":27,"start":7.68,"end":14.179999},{"sentences":[{"text":"Yep.","start":14.24,"end":14.639999,"sentiment":"neutral","sentiment_score":0.1048385724425316},{"text":"Yep.","start":14.639999,"end":14.88,"sentiment":"neutral","sentiment_score":0.1509086638689041},{"text":"That's","start":14.88,"end":15.195,"sentiment":"positive","sentiment_score":0.5273918509483337}],"sentiment":"neutral","sentiment_score":0.26104636241992313,"channel":1,"num_words":3,"start":14.24,"end":15.195},{"sentences":[{"text":"Fantastic.","start":16.285,"end":16.785,"sentiment":"positive","sentiment_score":0.6350803375244141},{"text":"I normally send this one through to you so you can have a look at it with me.","start":17.404999,"end":20.365,"sentiment":"neutral","sentiment_score":0.24874624609947205},{"text":"Are you able to jump into your emails there?","start":20.365,"end":22.525,"sentiment":"neutral","sentiment_score":0.08136415398783153},{"text":"Or","start":22.525,"end":23.005001,"sentiment":"neutral","sentiment_score":0.033999182283878326}],"sentiment":"neutral","sentiment_score":0.20271687363756113,"channel":0,"num_words":29,"start":16.285,"end":23.005001},{"sentences":[{"text":"fine.","start":23.755,"end":24.255,"sentiment":"neutral","sentiment_score":0.027659853920340535},{"text":"Sorry.","start":24.314999,"end":24.634998,"sentiment":"neutral","sentiment_score":-0.03221420571208},{"text":"Could you say that again?","start":24.634998,"end":25.775,"sentiment":"neutral","sentiment_score":-0.026485396921634673}],"sentiment":"neutral","sentiment_score":-0.01956876234284469,"channel":1,"num_words":7,"start":23.755,"end":25.775},{"sentences":[{"text":"that's okay.","start":25.884998,"end":26.525,"sentiment":"neutral","sentiment_score":-0.014944513328373432},{"text":"I'm so sorry.","start":26.525,"end":27.165,"sentiment":"neutral","sentiment_score":-0.15479089816411337},{"text":"The phone's breaking up a little bit.","start":27.165,"end":28.605,"sentiment":"neutral","sentiment_score":-0.32869387737342287},{"text":"Please let me know.","start":28.605,"end":29.665,"sentiment":"neutral","sentiment_score":-0.11175989545881748}],"sentiment":"neutral","sentiment_score":-0.20263490278739482,"channel":0,"num_words":16,"start":25.884998,"end":29.665},{"sentences":[{"text":"Yeah.","start":29.994999,"end":30.314999,"sentiment":"neutral","sentiment_score":-0.0450967438519001}],"sentiment":"neutral","sentiment_score":-0.0450967438519001,"channel":1,"num_words":1,"start":29.994999,"end":30.314999},{"sentences":[{"text":"I","start":30.23,"end":30.55,"sentiment":"neutral","sentiment_score":-0.04006316140294075}],"sentiment":"neutral","sentiment_score":-0.04006316140294075,"channel":0,"num_words":1,"start":30.23,"end":30.55},{"sentences":[{"text":"Yeah.","start":30.314999,"end":30.634998,"sentiment":"neutral","sentiment_score":-0.03760427236557007}],"sentiment":"neutral","sentiment_score":-0.03760427236557007,"channel":1,"num_words":1,"start":30.314999,"end":30.634998},{"sentences":[{"text":"normally","start":30.55,"end":31.05,"sentiment":"neutral","sentiment_score":-0.05347800254821777}],"sentiment":"neutral","sentiment_score":-0.05347800254821777,"channel":0,"num_words":1,"start":30.55,"end":31.05},{"sentences":[{"text":"It just cut out.","start":30.634998,"end":31.83,"sentiment":"neutral","sentiment_score":-0.09371000714600086}],"sentiment":"neutral","sentiment_score":-0.09371000714600086,"channel":1,"num_words":4,"start":30.634998,"end":31.83},{"sentences":[{"text":"no.","start":32.23,"end":32.47,"sentiment":"neutral","sentiment_score":-0.10230302065610886}],"sentiment":"neutral","sentiment_score":-0.10230302065610886,"channel":0,"num_words":1,"start":32.23,"end":32.47},{"sentences":[{"text":"Sorry.","start":32.45,"end":32.95,"sentiment":"neutral","sentiment_score":-0.09729450941085815}],"sentiment":"neutral","sentiment_score":-0.09729450941085815,"channel":1,"num_words":1,"start":32.45,"end":32.95},{"sentences":[{"text":"That's okay.","start":32.47,"end":33.19,"sentiment":"neutral","sentiment_score":-0.007184905000030994},{"text":"You're fine.","start":33.19,"end":33.93,"sentiment":"neutral","sentiment_score":0.04912513121962547},{"text":"I normally send through the documents to you via 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They discuss updating device documents, removing investments from the portfolio, and making changes to the portfolio to increase diversification and reduce risk levels. The representatives provide projection tables and offer to answer any questions. The customers are advised on the necessary documents and offered the opportunity to take time out of the call."},"intents":{"segments":[{"text":"I had you booked in just to go through your updated device document. Is now still a good time there for you? Yep.","start_word":24,"end_word":46,"intents":[{"intent":"Schedule phone rescheduling","confidence_score":0.00009210682}]},{"text":"So this one here on the front page notes prepared for yourself as of the 06/29/2026. Now our documents are valid for sixty days from the date on the document there. On the bottom, it has all my licensing information. So as a licensed adviser, my registration number with ASIC is 1304394. Yep.","start_word":612,"end_word":664,"intents":[{"intent":"Verify documents","confidence_score":0.00786192}]},{"text":"So this is basically just retaining your hub twenty four super. There is nothing wrong with hub twenty four. It is a really great fund. Yep.","start_word":1036,"end_word":1061,"intents":[{"intent":"Retain super","confidence_score":0.24574731}]},{"text":"So we will be selling off all the battery Yes. and lithium tax. We're selling down the Ben along Australian equities as well.","start_word":1075,"end_word":1097,"intents":[{"intent":"Sell assets","confidence_score":0.06984479},{"intent":"Sell assets","confidence_score":0.41529095}]},{"text":"And the bank hybrid is a a complex investment that is about to be actually phased out by the government in the next couple of years. So we wanna remove that now while we are making these changes for you as well. 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We wanna have that money reinvested with your portfolio, so you only Yep. hold 1.25% cash there as well. Okay? Yes.","start_word":1793,"end_word":1853,"intents":[{"intent":"Understand fund's balance","confidence_score":0.002291704}]},{"text":"So your super fund, just like you, does a tax return every year. So, essentially, we've gone back and had a look at making the changes, and we understand that in order to make the switch of those investments, your super fund is expected to pay CGT. So capital Yep.","start_word":1884,"end_word":1933,"intents":[{"intent":"Explain fund's rules on tax return","confidence_score":5.643085e-8},{"intent":"Explain current fund's balance and cgt","confidence_score":6.114324e-8}]},{"text":"Administration fees don't change because we're not changing anything with the actual fund itself, but your investment fees, you can see a difference. So we go from paying Yeah.","start_word":2046,"end_word":2074,"intents":[{"intent":"Determine income from administratorial fees","confidence_score":1.8665942e-8}]},{"text":"So it does save you $463 in investment fees, which is great. More money Yeah.","start_word":2090,"end_word":2104,"intents":[{"intent":"Calculate retirement savings","confidence_score":0.0020836622}]},{"text":"That is essentially the entire document there. That's everything I needed to go through, a nice easy one for you. Yes. We do have in there the advantages, the disadvantages, and the risks involved. I've gone through some of those with you with regard to the CDP and the outcome with regard to the fees.","start_word":2449,"end_word":2503,"intents":[{"intent":"Provide information","confidence_score":0.02855024}]},{"text":"I've gone through some of those with you with regard to the CDP and the outcome with regard to the fees.","start_word":2483,"end_word":2503,"intents":[{"intent":"Discuss cdp","confidence_score":0.07553512}]},{"text":"If you find you have any additional questions, Jackie, please let me know. And if Yes.","start_word":2559,"end_word":2574,"intents":[{"intent":"Offer assistance","confidence_score":0.010973557}]},{"text":"is That there looks any questions good. that have come out of that at the moment? Or No.","start_word":2611,"end_word":2628,"intents":[{"intent":"Address concerns","confidence_score":0.0028404428}]}]},"sentiments":{"segments":[{"text":"Hello. Jackie speaking. Hi, Jackie. It's Dana from Oakey Financial. How are you this morning?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.18173232674598697},{"text":"Good.","start_word":15,"end_word":15,"sentiment":"positive","sentiment_score":0.4469124376773834},{"text":"How are you?","start_word":16,"end_word":18,"sentiment":"neutral","sentiment_score":0.3250889182090759},{"text":"I'm very well. Thank you.","start_word":19,"end_word":23,"sentiment":"positive","sentiment_score":0.622501015663147},{"text":"I had you booked in just to go through your updated device document. Is now still a good time there for you? Yep. Yep.","start_word":24,"end_word":47,"sentiment":"neutral","sentiment_score":0.20353958010673523},{"text":"That's Fantastic.","start_word":48,"end_word":49,"sentiment":"positive","sentiment_score":0.5704672336578369},{"text":"I normally send this one through to you so you can have a look at it with me. Are you able to jump into your emails there? Or fine. Sorry. Could you say that again? that's okay. I'm so sorry. The phone's breaking up a little bit. Please let me know. Yeah. I Yeah. normally It just cut out. no. Sorry. That's okay. You're fine. I normally send through the documents to you via email. Are you able to grab your emails and look at the document with me, or is now not a good time to jump into your emails? Yeah. Yeah. That's fine. I can do that. I That's can look. okay.","start_word":50,"end_word":163,"sentiment":"neutral","sentiment_score":0.0009943111799657345},{"text":"Fantastic.","start_word":164,"end_word":164,"sentiment":"positive","sentiment_score":0.46813416481018066},{"text":"I'll send this one through. Now just before we jump into the call completely, just to let you know, we do record our calls for training and quality purposes. Are you happy for me to proceed with that? Work. Yes. That's fine.","start_word":165,"end_word":206,"sentiment":"neutral","sentiment_score":0.1915951371192932},{"text":"Fantastic.","start_word":207,"end_word":207,"sentiment":"positive","sentiment_score":0.4267011880874634},{"text":"And just to do a quick security check there with you as well, Jackie, just to confirm your full name, your date of birth, and address I should have on file. Yes. So it's Jackie Monaghan, '18 Yep. James, Illinois Drive, Yep. Bowen Hills, and 19th Of The 7th 91.","start_word":208,"end_word":257,"sentiment":"neutral","sentiment_score":0.11124313622713088},{"text":"Fantastic. Thank you so much for that.","start_word":258,"end_word":264,"sentiment":"positive","sentiment_score":0.383087158203125},{"text":"That has been through. I have been having some trouble with the phone this morning. So if I drop out, please let me know. If anything happens, I'll call you back, but I'll try to sort of limit going through things to what we need to to make it more time conservative for you as well. All good. Yep. Okay. I'm fine.","start_word":265,"end_word":326,"sentiment":"neutral","sentiment_score":-0.01007600873708725},{"text":"I'm doing good. Fantastic.","start_word":327,"end_word":330,"sentiment":"positive","sentiment_score":0.408320665359497},{"text":"How's your morning been so far? It's a bit chaotic, actually. Yeah. My my husband, Paul, is actually we've only just got back from the hospital late last night. He Oh, he said no. oh, you know, Joseph? Oh, sorry. My son's just doing something that doesn't need to Yeah. happen right now. This is it. Okay. Well, yeah, my he's had a sin in the hospital. Unfortunately, he had a infection and Oh, no. yeah. So we got home late last night and yeah. He's still not super well, but he'll be okay. So, yeah, Yeah. I just So he's resting in bed, just chilling yes. and trying to rest.","start_word":331,"end_word":441,"sentiment":"neutral","sentiment_score":-0.05705303816242261},{"text":"Good stuff.","start_word":442,"end_word":443,"sentiment":"positive","sentiment_score":0.5128227472305298},{"text":"Well, Yes. please Yep. tell Paul I hope he has a quick recovery, and I'm so sorry that you guys are going through that, especially a small Oh, thank kid. you. There's That was a lot yes. on Yeah. your plate at the moment. Yes. Yeah. That's only the doctors today. Sorry. I was just Yeah. talking to my young fella. Yeah. That's only Oh, no. the You're all good. Has that email popped through to you at the moment there hospital. at all? Yes. Sorry. It's us. Yep. Yep. That's absolutely fine. So with that one there, I have attached the additional documentation that relate to the advice document. But if you just click on the button that does say I believe it says sign and then move forward so you can see the document. It never asks you to sign anything you haven't read, and it just allows you to go up and down throughout the document there to make it easier on you. Yep.","start_word":444,"end_word":610,"sentiment":"neutral","sentiment_score":0.04498673602938652},{"text":"Beautiful.","start_word":611,"end_word":611,"sentiment":"positive","sentiment_score":0.5044419765472412},{"text":"So this one here on the front page notes prepared for yourself as of the 06/29/2026. Now our documents are valid for sixty days from the date on the document there. On the bottom, it has all my licensing information. So as a licensed adviser, my registration number with ASIC is 1304394. Yep.","start_word":612,"end_word":664,"sentiment":"neutral","sentiment_score":0.14410190284252167},{"text":"With this advice, nice and easy one.","start_word":665,"end_word":671,"sentiment":"positive","sentiment_score":0.657089352607727},{"text":"It's more to scope around your superannuation and also looking at what to do with the investments because we did when we did the annual review, we discussed there have been some underperformance of investments there. So we wanted to just realign things, reevaluate the super and the investments, and then just sort of make some changes to that for you so that everything's Yep.","start_word":672,"end_word":736,"sentiment":"neutral","sentiment_score":0.024584975093603138},{"text":"working harder towards your goal.","start_word":737,"end_word":741,"sentiment":"positive","sentiment_score":0.34522542357444763},{"text":"We wanna make sure that you have the best time possible, and we are working towards, at the moment, being able to retire in the future at about eight sixty five, hopefully, on about an income of about $1,200 per week between yourself and Paul. Okay? Yep. Yep.","start_word":742,"end_word":789,"sentiment":"neutral","sentiment_score":0.22120092809200287},{"text":"Excellent.","start_word":790,"end_word":790,"sentiment":"positive","sentiment_score":0.6004112958908081},{"text":"So to make this one easier, if you can scroll down for me, we'll just head down to page number 18 where the heading is investment recommended investments. I'll just take you Yes. through the changes and the recommendations, and then I'll let you go back. And when you've got some time, Mhmm. you'll be able to go back and just have a bit of a read of the document there as well. Okay? Yep. Yep.","start_word":791,"end_word":866,"sentiment":"neutral","sentiment_score":0.10152894258499146},{"text":"Sounds good. Make Thank it you.","start_word":867,"end_word":872,"sentiment":"positive","sentiment_score":0.5258779525756836},{"text":"easier on you. The last thing you need is me taking up all your time. Yeah. Oh, that's okay. You're okay.","start_word":873,"end_word":893,"sentiment":"neutral","sentiment_score":0.0337383970618248},{"text":"I am I've already had a I I had a terrible week when I missed you the first time, so I've I feel terrible that yeah.","start_word":894,"end_word":919,"sentiment":"negative","sentiment_score":-0.4473048448562622},{"text":"And I No. was like, I have Please to take don't. this call. No. Please don't. Honestly, it's absolutely fine. Samantha mentioned that you'd been unwell, and then Oh, the kids have been unwell. And now Paul, it's like it's all yes. going through. Oh, yes. I mean, the kids and I, we just have, like, the flu, but, yeah, Paul's Yeah.","start_word":920,"end_word":981,"sentiment":"neutral","sentiment_score":-0.22148671746253967},{"text":"been very sick.","start_word":982,"end_word":984,"sentiment":"negative","sentiment_score":-0.35902366042137146},{"text":"So, anyways, Oh, that's okay. I We're hope all good. he feels better soon. Yeah. Yes. Absolutely.","start_word":985,"end_word":1001,"sentiment":"neutral","sentiment_score":0.1029730886220932},{"text":"Thank you.","start_word":1002,"end_word":1003,"sentiment":"positive","sentiment_score":0.4373891353607178},{"text":"So with this page here, you'll see it essentially runs down your super, and it also has all your investments there. So I'll just go Yeah. through what we're looking to do. So this is basically just retaining your hub twenty four super.","start_word":1004,"end_word":1046,"sentiment":"neutral","sentiment_score":0.08621339499950409},{"text":"There is nothing wrong with hub twenty four. It is a really great fund.","start_word":1047,"end_word":1060,"sentiment":"positive","sentiment_score":0.6739044785499573},{"text":"Yep. So we are just wanting to switch the investments within the fund there. So we will be selling off all the battery Yes. and lithium tax. We're selling down the Ben along Australian equities as well. That's the Ah, one yeah. that has Yep.","start_word":1061,"end_word":1105,"sentiment":"neutral","sentiment_score":-0.016364598646759987},{"text":"been underperforming pretty heavily for you.","start_word":1106,"end_word":1111,"sentiment":"negative","sentiment_score":-0.4139419198036194},{"text":"Yes. And the bank hybrid is a a complex investment that is about to be actually phased out by the government in the next couple of years. So we wanna remove that now while we are making these changes for you as well. Yeah. Cool. Thank you. The China new economy hasn't really held its own. Has China has had some trouble since COVID coming out of the COVID slump, so it hasn't really been performing the way we would like it to be. So we are Yep. also gonna remove that for you. Yep. And physical gold has done really, really well, but you are just a bit overexposed at the moment. You do hold 7% of your portfolio currently, but when we reweight everything to still have 7% in your newer portfolio, we just need to sell a little over $200 Okay? Cybersecurity, we currently hold 6%. We still wanna hold 6% of your total portfolio, but when we look at the reweighting of it all, we just need to sell off about a $124 there. Keeping it Yep. in this cyber security has been a bit of a downtime, but it will still come back. It's just one of those slumps. We just need Yeah. to wait Interesting. through that one. Yep. But it moving forward, it is still a very important area to be invested in. Yep. Okay. With Sounds good. the S and P 500, that's The US exposure for you. So you currently Mhmm. hold 29% in that. We wanna Yep. overall have a weighting of 35%. Oh, okay. US Yep.","start_word":1112,"end_word":1378,"sentiment":"neutral","sentiment_score":-0.07173265299100555},{"text":"and in international equity still provide great returns when you look at the longevity and how history has performed.","start_word":1379,"end_word":1397,"sentiment":"positive","sentiment_score":0.6119117140769958},{"text":"So we Yep. still wanna make sure we hold 35%. That's we'll buy a little over 9,000 of that for you. Yep. The Van Eck Australian property, we are just removing that from this portfolio completely. So we'll sell all of that off. We've also got the Raffi a 200 in there. We are selling that completely out of the portfolio because we are replacing your Australian equities component. So that investment will go. Yep. You will buy into the European exposures to giving you access to all the European countries. We want 9% of your total portfolio. The Japanese exposure as well for giving you 5% exposure into Japan, and the all world ex US. This is giving you exposure to the global, so the entire globe minus The US because we have the S and P 500 there. It is about diversifying your portfolio, and overall diversification helps to reduce risk levels. So Yep. a greater diversification helps to mitigate as much risk as possible, and we wanna see 8% of your portfolio invested there. Mhmm. We are getting rid of the Benelon Australian Equities and the Raffi two hundred. So we are replacing those investments with the BetaShares a 200. Overall, this gives you exposure to the top 200 companies on the ASX. So it's giving you greater diversification than Van Along.","start_word":1398,"end_word":1622,"sentiment":"neutral","sentiment_score":0.12561501562595367},{"text":"It's also a cheaper investment, so it does make your investment fees cheaper within the fund as well, which is a good thing.","start_word":1623,"end_word":1645,"sentiment":"positive","sentiment_score":0.39635321497917175},{"text":"Okay? Yep. Okay.","start_word":1646,"end_word":1648,"sentiment":"neutral","sentiment_score":0.1743118166923523},{"text":"Thank you.","start_word":1649,"end_word":1650,"sentiment":"positive","sentiment_score":0.40099382400512695},{"text":"And then you've got core composite bond, which is a defensive invest. You wanna hold 5% of that, and that's essentially replacing the bank hybrid that will be phased out in the future there for you. Okay? Okay. Yep.","start_word":1651,"end_word":1689,"sentiment":"neutral","sentiment_score":0.2129350304603577},{"text":"Nice, easy.","start_word":1690,"end_word":1691,"sentiment":"positive","sentiment_score":0.49223071336746216},{"text":"I won't go too much into those. If you wanted sort of more in-depth confirmation around what the investments are, feel free to let me know. But, essentially, this is the changes that we are making for you to make it easier.","start_word":1692,"end_word":1733,"sentiment":"neutral","sentiment_score":0.16482091978901908},{"text":"Yeah. Thank you.","start_word":1734,"end_word":1736,"sentiment":"positive","sentiment_score":0.5889965891838074},{"text":"Essentially, you do have a lot of cash at the moment. So, obviously, as part of not sure if Paul mentioned to you, but as part of his last advice document, we actually did a spousal split. So we actually Yep. moved some money from his super into yours, which gave you Yes. a benefit. Yeah. It gave him a benefit of keeping his balance a little bit lower, I but can it meant smell that your the balance dishwasher.","start_word":1737,"end_word":1816,"sentiment":"neutral","sentiment_score":0.17729738354682922},{"text":"increased a little bit as well.","start_word":1817,"end_word":1822,"sentiment":"positive","sentiment_score":0.3335673213005066},{"text":"So you do have a bit much cash in there. We wanna have that money reinvested with your portfolio, so you only Yep. hold 1.25% cash there as well. Okay? Yes. Yep. Yeah.","start_word":1823,"end_word":1855,"sentiment":"neutral","sentiment_score":0.25082656741142273},{"text":"All good.","start_word":1856,"end_word":1857,"sentiment":"positive","sentiment_score":0.5157985091209412},{"text":"If you scroll down to page 21 for me, this is sort of the outcome of why we're making these changes for you. Yep.","start_word":1858,"end_word":1881,"sentiment":"neutral","sentiment_score":0.23612725734710693},{"text":"All good.","start_word":1882,"end_word":1883,"sentiment":"positive","sentiment_score":0.39659735560417175},{"text":"So your super fund, just like you, does a tax return every year. So, essentially, we've gone back and had a look at making the changes, and we understand that in order to make the switch of those investments, your super fund is expected to pay CGT. So capital Yep. gains is $712 all sorted by your super fund that has no effect on you personally, which is great. But it does Okay. mean, essentially, once we complete the switch with them paying the CGT, we expect your balance to be about a $170 oh, sorry. A $170,008.22. Yep. That is before that as of the date on the document. So, obviously, markets have been up and down a bit since then, so it might be slightly Yes. different. I know we've seen some good gains since the end of June as well, which is good. Yep. But, essentially, based on this, we expect you to start about a 170,000 there. Okay. Administration fees don't change because we're not changing anything with the actual fund itself, but your investment fees, you can see a difference. So we go from paying Yeah. over $700 for the year in investment fees to only 300 with the new portfolio.","start_word":1884,"end_word":2089,"sentiment":"neutral","sentiment_score":0.11333477500717616},{"text":"So it does save you $463 in investment fees, which is great.","start_word":2090,"end_word":2101,"sentiment":"positive","sentiment_score":0.6714193224906921},{"text":"More money Yeah. Yeah.","start_word":2102,"end_word":2105,"sentiment":"neutral","sentiment_score":0.30890601873397827},{"text":"staying in your super compounding harder. Definitely. Thank you.","start_word":2106,"end_word":2114,"sentiment":"positive","sentiment_score":0.4746878147125244},{"text":"Yeah. The ongoing service fee does continue to come out of the fund. You guys are on a couple Yes. fee, which is 1.10%. So that is reduced Yes. from our normal percentage because you both are clients. We both we wanna look after both of you together. Yes.","start_word":2115,"end_word":2163,"sentiment":"neutral","sentiment_score":0.12964364886283877},{"text":"And Thank you've you.","start_word":2164,"end_word":2167,"sentiment":"positive","sentiment_score":0.34846410155296326},{"text":"got your contributions going in as well, which is no change there. And insurance premium continues, so Mhmm. no major change there. We just like to make sure we factor those into the projection side of things for you. Yes. Okay? Again. Thank you. You'll say within that high growth environment that you can sort of see the difference. The older high growth portfolio, when we look at historical data, has averaged about 9.86% on a yearly basis, which isn't bad, but the newer Yes. portfolio has shown greater past performance. So if it can get that over the next sort of five to ten years below, you can sort of see what should be projected and where Yeah. you could end up over the next five to ten years, which is a much greater return and can put Mhmm. you in a much better position as well. So Yep. yeah.","start_word":2168,"end_word":2318,"sentiment":"neutral","sentiment_score":0.1376333087682724},{"text":"Great. Thank All good.","start_word":2319,"end_word":2322,"sentiment":"positive","sentiment_score":0.35503143072128296},{"text":"Underneath that on the next page, obviously, we're not changing anything with your insurances, but we have just a you. little projection table, which essentially shows you the same as the above, the current, the recommended, but it also shows you the effect on your super if you are not paying insurances at all. So, obviously, insurances are being scoped into a limited scope only because we understand that they are being paid out of your super, and they do have an effect on your overall retirement projected outcome. And this Mhmm. just shows you the effect if you were not paying for insurances inside super, what the projected outcome could be with the changes that we are making as well. Yep. Okay? Okay. Yep.","start_word":2323,"end_word":2447,"sentiment":"neutral","sentiment_score":0.04987598583102226},{"text":"Excellent. That is essentially the entire document there. That's everything I needed to go through, a nice easy one for you.","start_word":2448,"end_word":2468,"sentiment":"positive","sentiment_score":0.6393700242042542},{"text":"Yes. We do have in there the advantages, the disadvantages, and the risks involved. I've gone through some of those with you with regard to the CDP and the outcome with regard to the fees. Mhmm. If you wanted to take some time just to have a bit of a read to the document when you've got a few minutes there, Yes. it's also added the best interest duty, and it kinda relates it back to your goals for you. So take some time. Have a look through that one. If you find you have any additional questions, Jackie, please let me know. And if Yes. you're Yes.","start_word":2469,"end_word":2576,"sentiment":"neutral","sentiment_score":0.10574576258659364},{"text":"happy to take Yep. on the advice, we'll get you to sign and return that back so we can have that switch implemented nice and quick for you.","start_word":2577,"end_word":2604,"sentiment":"positive","sentiment_score":0.36997032165527344},{"text":"Okay? That's fine. Yep. Does Yeah. is That there looks any questions good. that have come out of that at the moment? Or No. It looks yeah.","start_word":2605,"end_word":2631,"sentiment":"neutral","sentiment_score":0.05055319517850876},{"text":"You've done wonderfully.","start_word":2632,"end_word":2634,"sentiment":"positive","sentiment_score":0.4586597383022308},{"text":"That's Oh, thank you. yeah.","start_word":2635,"end_word":2639,"sentiment":"neutral","sentiment_score":0.26450100541114807},{"text":"Thank you very much.","start_word":2640,"end_word":2643,"sentiment":"positive","sentiment_score":0.42184320092201233},{"text":"Yeah.","start_word":2644,"end_word":2644,"sentiment":"neutral","sentiment_score":0.27397581934928894},{"text":"It's great. My pleasure. It was an honor honestly, it's an absolute pleasure to do this work for you. I love what I do, and I That's just good. wanna make sure you're having the best time possible.","start_word":2645,"end_word":2682,"sentiment":"positive","sentiment_score":0.614902913570404},{"text":"So we'll Thank keep you. reviewing things and updating things as we need to. But, look, Yes. yeah, I will not take up any more of your precious time. You've got small kids and a sick husband, so I will let you go. And, Yes. yeah, I Thank hope you.","start_word":2683,"end_word":2732,"sentiment":"neutral","sentiment_score":0.05789871513843536},{"text":"you have a lovely day, but thank you for taking my call this morning.","start_word":2733,"end_word":2746,"sentiment":"positive","sentiment_score":0.3559238910675049},{"text":"I really Oh, appreciate my your time.","start_word":2747,"end_word":2753,"sentiment":"neutral","sentiment_score":0.2953055799007416},{"text":"pleasure. Thank you for doing really. It's great. Any anytime, Jackie, it's an honestly, it's a pleasure to work with you guys. So you Thank you.","start_word":2754,"end_word":2779,"sentiment":"positive","sentiment_score":0.5941851735115051},{"text":"no worries. I'll let you be.","start_word":2780,"end_word":2785,"sentiment":"neutral","sentiment_score":0.2912294864654541},{"text":"You have a great day, and let me Yes.","start_word":2786,"end_word":2794,"sentiment":"positive","sentiment_score":0.4533635079860687},{"text":"know if there's any questions that come out of that at all.","start_word":2795,"end_word":2806,"sentiment":"neutral","sentiment_score":0.03891205042600632},{"text":"Okay. Great. Thank you, Tina. Alright. You too. My Have a pleasure. good one. See you later. Thanks. Bye.","start_word":2807,"end_word":2825,"sentiment":"positive","sentiment_score":0.6463438868522644},{"text":"Bye.","start_word":2826,"end_word":2826,"sentiment":"neutral","sentiment_score":0.2842766344547272}],"average":{"sentiment":"neutral","sentiment_score":0.11359576662401796}}}}