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I've got a bit of an updated document to send through to you today for our discussion with the super. Mate, can I just check security with you, and will you have access to your email today? Awesome. So I registered with our ticket advisor 1273105. Could I please just confirm your date of birth and address? Sensational. Thank you for that, mate. And are you okay for the call to be recorded? Perfect. Perfect. So where we left off last time, mate, is we were talking about the super, and you wanted a bit of a comparison between the Netwealth and the Colonial First State as well as some, like, projections, like how the last twelve months gone and some projections going forward about whether you were staying, moving back to Colonial first state, that kind of thing. Awesome. So in the advice document that I'm sending through to you, I've got essentially what my recommendations are, but I've included some extra projections there for you. So there'll be a few different tables to run through together. Just let me know when you've gotten that email okay, and you should see there's some basic attachments at the bottom, like financial services guide. But if you go into that sign button, it'll bring up all the documents for us to go through together. And it should look like a nice Gold Coast beachfront city picture. Got that one? Beauty. So this first document is the updated plan with all the comparisons and everything. And the next document after this is like an appendix with extra research, and that's got also a projection with if you roll back to Colonial First Aid as well. Cool. So if you have a little scroll through the page four for me, I'll just quickly touch on the scope of advice heading again. Cool. So the main thing here, we had the retirement goal, but the main thing was you've been running these two super funds for quite a while. You wanted to obviously compare them to see what the best option was for you. And if you remember, we went through there was a bit of an update to your portfolio around the time of our last discussion. Does that ring a bell? Yep. So that was there was a replacement of that Benelon option that was not performing well with the replacement Australian shares option. So what I'm basically putting into this document is Colonial, what Netwealth was doing, what it currently is doing, just so you can see all three. Cool? After that, estate planning, we're just touching on wills and powers of attorney and beneficiary nominations to make sure that's all up to date. And I have factored in the premiums for the insurances that are through the super, but we're not giving you any insurance advice for that. Cool. As far as what's not covered in this document, which is page four and five, I'm obviously not giving you budgeting and debt advice. You're obviously focusing on your your mortgage repayments and the construction of investment properties and so on. That's not something that you wanted for this document. Go past there, you'll see limited advice warning. Again, this isn't touching on everything under the sun. If any of the info we've got incorrect, that obviously impacts the advice. If you could just have a quick look for me at the about you section and the assets and liabilities after that. Email and phone number is correct. Production manager, 118,000. That's all correct? $1.40 now. Fantastic. Just to make a quick note of that. The assets, we had the property and the two cars. Sensational. And you've got the net wealth and the colonial listed there. That's sort of the most recent balances that we've got. Today, a little bit different with unit prices. Insurances after that under risk protection. And risk profile ten and eleven, so high growth is obviously your risk profile. We're not changing risk level at this point. Cool. And then if you go down to strategy recommendations, it's a pretty text heavy page there. So this is the ideal strategy that I've recommended, which is obviously I was talking to you about moving funds across from Colonial into Netwealth if you're happy with the plan going forward. I've included in there basically why we're doing it, which is, again, new investment option reduces the fees, get the performance back on track. I'm not projecting your retirement outcome because that's twenty years away, but I've just done the updated ten year projection at this point. The other thing too is I'm just kind of putting in this document that I believe the switch of the Benelon option was in your best interest because it was underperforming overall time periods when we compared it. So that was definitely necessary to address. Keep going down. You'll see insurances to be retained in Colonial there on '13. Advantages and disadvantages on '14, which is basically just, again, performance and fees. The disadvantage is obviously having two super funds to pay the two fees. And for all of our investments that we recommend, they're all ETFs. So there's always brokerage to purchase them to get that lower fee ongoing. Makes sense? Cool. Now comparisons wise, can you please go to the tables on page sixteen and seventeen for me? So this is what was done. Benelon was switched to the a 200 ETF. That's what happened previously. Now with the table below that, we've got your colonial listed. We've got your Netwealth portfolio listed with all of the options including that a 200 as well. The third table is the model portfolio, which is basically what we keep rebalancing it to. So if some of them go up and some of them go down, we would keep bringing it back to that original weighting. So, you know, buy low to sell high. K. Last couple of sort of details pages before the comparison. Asset allocation on 18, colored pie chart there. Main thing here is the middle row in gray, growth total. So for high growth, you're bouncing between 19 to a 100% in growth assets like shares, property, and gold. Does that ring a bell? Cool. Alright. Comparisons for you. Here we go. Nineteen and twenty are your comparisons, sir. So can you see the first fee comparison on page 19 for me? Yep. So this just breaks down the net wealth for Colonial if we were to do a rollover and if you weren't comfortable with the plan. It just goes over the fee differences and so on. I've put down there in color coding for you the performance comparison between the three, just like I promised, which is there's your colonial over one, five, and 10. There's what your network was doing based on having Benelon inside it. And then on the right hand side, this is your updated portfolio. Correct. So if you kept it in better long going forward, that's the twelve year, five year, and ten year. K? New one on the right. Main thing for you, though, is Colonial is pretty low on fees. They've got that small flat fee, 0.04 admin fee, 9% returns over five years, which is what we use for our comparison with the five year middle. High growth, you want double digits as much as you can. They've been doing pretty good. 9% of the five years is pretty good. That's their life stage option. And then if you go down one more page for me, this is pretty much what you were doing, what we've moved you into, what I'm thinking, as well as an updated projection there as well. K. Now can you see where I've got that quite long heading? Previous portfolio versus current and recommended on yep. So what this is basically showing is all three mixed in, which is again Netwealth previously, Colonial currently versus what we're thinking. The big thing here is if you go to the investment fee row, second row in that middle section, The fees with the a 200 mixed in pretty much drops it from 1,400 to 400. The Benelon was a lot more expensive. Performance at the bottom. Just bear in mind that when it comes to the dollar figures, that's all based on the percentage based on the balance. So if the colonial yeah. So if the colonial balance was 200,000, it's a 0.6% investment fee, whereas, yep, and then the portfolio that we've got you currently in is 0.2. So it depends on where you move the funds between. That's why I've included in the appendix if you put the whole lot in there, which I'll just quickly bring that up actually. 1,310. So, again, bit of grain of salt on the projections there. That's just based on the average returns at the bottom there. So the previous Netwealth and the Colonial averaged out to about seven. The new ones averaging out about that 12, factoring in keeping the Colonial investment going for the insurances. And the difference of that would make 50 to a 150,000 based on both switches. K? Now outside of that, the rest of the document basically just goes through beneficiary nomination, make sure that's up to date for Colonial, and just the reminders for the wills and the power of attorney, and then services and fees at the bottom. K? So what I was gonna do is basically just walk you through that, answer any questions that you have, and then just sort of leave that with you to kind of read through, make sure you're comfortable, ask any questions. 100 percent. One thing that I'll get you to do too is with the the Odoo sign that we've got, the purple buttons will actually bring you to a sign in section for this statement of advice and stamp the signature name and date on there, but you can click through the documents. There should be some arrows there, and if you scroll at the bottom, it should say next document. So what you'll be able to go through is after the statement of advice, there's the appendix with that rollback comparison for you so you can break down all the fees and performance and everything. And then if you're happy with what we're thinking, then there's, like, the service agreement, tax file number, opt in, and a product disclosure statement after that. Cool. One thing too, couple things to consider as well is, obviously, I never like recommending someone has two super funds because 99 times out of a 100, what's the point kind of thing. The only reason that you would run Netwealth in addition to Colonial is just to get access to all those extra investment options and features. It's a bit more expensive. You've got your 700 options there. We could build all the fancy ETFs in the world and make a really nice portfolio out of it, but you still pay that. I think it's hang on. Let me bring it up. I've got it in front of me. I think it's about $52 a year that they charge as, like, an account keeping fee for Colonial. That's probably, like, the main drawback. Yes. I've got let me have a quick look at what we've noted down. Yeah. So there's the premiums for the Colonial is ridiculously affordable. It's $829 a year for $400 of life and CBD, 8,000 a month worth of income protection, and that's a thirty day wait, which is perfectly standard. Like, you're out for a month. Here you go, there's your monthly, and it'll pay you for two years per injury. Anything more than two years, here's $400 for the tip of that. So if you're like, let's say you're injured for more than two years, likely, what is you're probably not going back to work in most cases, so then you'd probably qualify for the total disability lump sum, which is at 400 thousand as well. Yeah. That's the one. So they kind of go hand in hand. It's like, here's your short term, here's your long term. The other thing too is before like, read through it when you're comfortable, come back with any questions. If you want to amend any of this at all, like, for example, if you just say, hey. Look. This all sounds great, but I would like to let it run for a year and see how it goes. We don't have to roll funds across from Colonial. We could you can write at the bottom of the document in the text box I've got for you. Say, look, happy to go ahead with the investments as you've outlined, but no rollover, and then we can just let that go. Like, it's up to you. So the top up, we usually keep 10,000 minimum. It's at 38, so it'd be 28. Yep. Yeah. Absolutely. Like, it's one of the things that when you're paying the fees for the advice, totally fine to kind of let it run, proof in the pudding kind of thing. If the market goes up, I know what the returns are gonna be like. When the market goes down, it's gonna be a bit rough because high growth. So when you get to that point, everything in Odoo sign is clickable. So you don't just have to hit the button for it to stamp all the signatures. You can just click that box above the signature spot where it says, I've chosen to vary the recommendations, and then just type in, hey. Don't wanna go ahead with the wrong logo. K. Alright. Is there anything else I can help you with? Yep. Easy. And look, if you have any further questions, like, you can obviously email the team, call in, and just book in for a quick chat with me. Just don't respond to the Odoo email because it's just part of that what do you call it? Like, DocuSign thing. It won't come straight through to me. Cool. Alright, Janet. Look. I appreciate you taking the time, and it is a lot of information to read. So, again, any questions, just let us know. Awesome. Have a great night, mate. 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day, Shannon. It's Tommy here, senior adviser of Roku, mate. How are you doing? Fantastic to hear. I've got a bit of an updated document to send through to you today for our discussion with the super.\n\nMate, can I just check security with you, and will you have access to your email today? Awesome. So I registered with our ticket advisor 1273105. Could I please just confirm your date of birth and address? Sensational.\n\nThank you for that, mate. And are you okay for the call to be recorded? Perfect. Perfect. So where we left off last time, mate, is we were talking about the super, and you wanted a bit of a comparison between the Netwealth and the Colonial First State as well as some, like, projections, like how the last twelve months gone and some projections going forward about whether you were staying, moving back to Colonial first state, that kind of thing.\n\nAwesome. So in the advice document that I'm sending through to you, I've got essentially what my recommendations are, but I've included some extra projections there for you. So there'll be a few different tables to run through together. Just let me know when you've gotten that email okay, and you should see there's some basic attachments at the bottom, like financial services guide. But if you go into that sign button, it'll bring up all the documents for us to go through together.\n\nAnd it should look like a nice Gold Coast beachfront city picture. Got that one? Beauty. So this first document is the updated plan with all the comparisons and everything. And the next document after this is like an appendix with extra research, and that's got also a projection with if you roll back to Colonial First Aid as well.\n\nCool. So if you have a little scroll through the page four for me, I'll just quickly touch on the scope of advice heading again. Cool. So the main thing here, we had the retirement goal, but the main thing was you've been running these two super funds for quite a while. You wanted to obviously compare them to see what the best option was for you.\n\nAnd if you remember, we went through there was a bit of an update to your portfolio around the time of our last discussion. Does that ring a bell? Yep. So that was there was a replacement of that Benelon option that was not performing well with the replacement Australian shares option. So what I'm basically putting into this document is Colonial, what Netwealth was doing, what it currently is doing, just so you can see all three.\n\nCool? After that, estate planning, we're just touching on wills and powers of attorney and beneficiary nominations to make sure that's all up to date. And I have factored in the premiums for the insurances that are through the super, but we're not giving you any insurance advice for that. Cool. As far as what's not covered in this document, which is page four and five, I'm obviously not giving you budgeting and debt advice.\n\nYou're obviously focusing on your your mortgage repayments and the construction of investment properties and so on. That's not something that you wanted for this document. Go past there, you'll see limited advice warning. Again, this isn't touching on everything under the sun. If any of the info we've got incorrect, that obviously impacts the advice.\n\nIf you could just have a quick look for me at the about you section and the assets and liabilities after that. Email and phone number is correct. Production manager, 118,000. That's all correct? $1.40 now.\n\nFantastic. Just to make a quick note of that. The assets, we had the property and the two cars. Sensational. And you've got the net wealth and the colonial listed there.\n\nThat's sort of the most recent balances that we've got. Today, a little bit different with unit prices. Insurances after that under risk protection. And risk profile ten and eleven, so high growth is obviously your risk profile. We're not changing risk level at this point.\n\nCool. And then if you go down to strategy recommendations, it's a pretty text heavy page there. So this is the ideal strategy that I've recommended, which is obviously I was talking to you about moving funds across from Colonial into Netwealth if you're happy with the plan going forward. I've included in there basically why we're doing it, which is, again, new investment option reduces the fees, get the performance back on track. I'm not projecting your retirement outcome because that's twenty years away, but I've just done the updated ten year projection at this point.\n\nThe other thing too is I'm just kind of putting in this document that I believe the switch of the Benelon option was in your best interest because it was underperforming overall time periods when we compared it. So that was definitely necessary to address. Keep going down. You'll see insurances to be retained in Colonial there on '13. Advantages and disadvantages on '14, which is basically just, again, performance and fees.\n\nThe disadvantage is obviously having two super funds to pay the two fees. And for all of our investments that we recommend, they're all ETFs. So there's always brokerage to purchase them to get that lower fee ongoing. Makes sense? Cool.\n\nNow comparisons wise, can you please go to the tables on page sixteen and seventeen for me? So this is what was done. Benelon was switched to the a 200 ETF. That's what happened previously. Now with the table below that, we've got your colonial listed.\n\nWe've got your Netwealth portfolio listed with all of the options including that a 200 as well. The third table is the model portfolio, which is basically what we keep rebalancing it to. So if some of them go up and some of them go down, we would keep bringing it back to that original weighting. So, you know, buy low to sell high. K.\n\nLast couple of sort of details pages before the comparison. Asset allocation on 18, colored pie chart there. Main thing here is the middle row in gray, growth total. So for high growth, you're bouncing between 19 to a 100% in growth assets like shares, property, and gold. Does that ring a bell?\n\nCool. Alright. Comparisons for you. Here we go. Nineteen and twenty are your comparisons, sir.\n\nSo can you see the first fee comparison on page 19 for me? Yep. So this just breaks down the net wealth for Colonial if we were to do a rollover and if you weren't comfortable with the plan. It just goes over the fee differences and so on. I've put down there in color coding for you the performance comparison between the three, just like I promised, which is there's your colonial over one, five, and 10.\n\nThere's what your network was doing based on having Benelon inside it. And then on the right hand side, this is your updated portfolio. Correct. So if you kept it in better long going forward, that's the twelve year, five year, and ten year. K?\n\nNew one on the right. Main thing for you, though, is Colonial is pretty low on fees. They've got that small flat fee, 0.04 admin fee, 9% returns over five years, which is what we use for our comparison with the five year middle. High growth, you want double digits as much as you can. They've been doing pretty good.\n\n9% of the five years is pretty good. That's their life stage option. And then if you go down one more page for me, this is pretty much what you were doing, what we've moved you into, what I'm thinking, as well as an updated projection there as well. K. Now can you see where I've got that quite long heading?\n\nPrevious portfolio versus current and recommended on yep. So what this is basically showing is all three mixed in, which is again Netwealth previously, Colonial currently versus what we're thinking. The big thing here is if you go to the investment fee row, second row in that middle section, The fees with the a 200 mixed in pretty much drops it from 1,400 to 400. The Benelon was a lot more expensive. Performance at the bottom.\n\nJust bear in mind that when it comes to the dollar figures, that's all based on the percentage based on the balance. So if the colonial yeah. So if the colonial balance was 200,000, it's a 0.6% investment fee, whereas, yep, and then the portfolio that we've got you currently in is 0.2. So it depends on where you move the funds between. That's why I've included in the appendix if you put the whole lot in there, which I'll just quickly bring that up actually.\n\n1,310. So, again, bit of grain of salt on the projections there. That's just based on the average returns at the bottom there. So the previous Netwealth and the Colonial averaged out to about seven. The new ones averaging out about that 12, factoring in keeping the Colonial investment going for the insurances.\n\nAnd the difference of that would make 50 to a 150,000 based on both switches. K? Now outside of that, the rest of the document basically just goes through beneficiary nomination, make sure that's up to date for Colonial, and just the reminders for the wills and the power of attorney, and then services and fees at the bottom. K? So what I was gonna do is basically just walk you through that, answer any questions that you have, and then just sort of leave that with you to kind of read through, make sure you're comfortable, ask any questions.\n\n100 percent. One thing that I'll get you to do too is with the the Odoo sign that we've got, the purple buttons will actually bring you to a sign in section for this statement of advice and stamp the signature name and date on there, but you can click through the documents. There should be some arrows there, and if you scroll at the bottom, it should say next document. So what you'll be able to go through is after the statement of advice, there's the appendix with that rollback comparison for you so you can break down all the fees and performance and everything. And then if you're happy with what we're thinking, then there's, like, the service agreement, tax file number, opt in, and a product disclosure statement after that.\n\nCool. One thing too, couple things to consider as well is, obviously, I never like recommending someone has two super funds because 99 times out of a 100, what's the point kind of thing. The only reason that you would run Netwealth in addition to Colonial is just to get access to all those extra investment options and features. It's a bit more expensive. You've got your 700 options there.\n\nWe could build all the fancy ETFs in the world and make a really nice portfolio out of it, but you still pay that. I think it's hang on. Let me bring it up. I've got it in front of me. I think it's about $52 a year that they charge as, like, an account keeping fee for Colonial.\n\nThat's probably, like, the main drawback. Yes. I've got let me have a quick look at what we've noted down. Yeah. So there's the premiums for the Colonial is ridiculously affordable.\n\nIt's $829 a year for $400 of life and CBD, 8,000 a month worth of income protection, and that's a thirty day wait, which is perfectly standard. Like, you're out for a month. Here you go, there's your monthly, and it'll pay you for two years per injury. Anything more than two years, here's $400 for the tip of that. So if you're like, let's say you're injured for more than two years, likely, what is you're probably not going back to work in most cases, so then you'd probably qualify for the total disability lump sum, which is at 400 thousand as well.\n\nYeah. That's the one. So they kind of go hand in hand. It's like, here's your short term, here's your long term. The other thing too is before like, read through it when you're comfortable, come back with any questions.\n\nIf you want to amend any of this at all, like, for example, if you just say, hey. Look. This all sounds great, but I would like to let it run for a year and see how it goes. We don't have to roll funds across from Colonial. We could you can write at the bottom of the document in the text box I've got for you.\n\nSay, look, happy to go ahead with the investments as you've outlined, but no rollover, and then we can just let that go. Like, it's up to you. So the top up, we usually keep 10,000 minimum. It's at 38, so it'd be 28. Yep.\n\nYeah. Absolutely. Like, it's one of the things that when you're paying the fees for the advice, totally fine to kind of let it run, proof in the pudding kind of thing. If the market goes up, I know what the returns are gonna be like. When the market goes down, it's gonna be a bit rough because high growth.\n\nSo when you get to that point, everything in Odoo sign is clickable. So you don't just have to hit the button for it to stamp all the signatures. You can just click that box above the signature spot where it says, I've chosen to vary the recommendations, and then just type in, hey. Don't wanna go ahead with the wrong logo. K.\n\nAlright. Is there anything else I can help you with? Yep. Easy. And look, if you have any further questions, like, you can obviously email the team, call in, and just book in for a quick chat with me.\n\nJust don't respond to the Odoo email because it's just part of that what do you call it? Like, DocuSign thing. It won't come straight through to me. Cool. Alright, Janet.\n\nLook. I appreciate you taking the time, and it is a lot of information to read. So, again, any questions, just let us know. Awesome. Have a great night, mate.\n\nCheers.","paragraphs":[{"sentences":[{"text":"Good day, Shannon.","start":3.4399998,"end":4.16,"sentiment":"positive","sentiment_score":0.5081082582473755},{"text":"It's Tommy here, senior adviser of Roku, mate.","start":4.16,"end":6.3999996,"sentiment":"neutral","sentiment_score":0.2754708081483841},{"text":"How are you doing?","start":6.3999996,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.3021850436925888},{"text":"Fantastic to hear.","start":9.599999,"end":11.04,"sentiment":"positive","sentiment_score":0.8219093084335327},{"text":"I've got a bit of an updated document to send through to you today for our discussion with the super.","start":11.04,"end":18.395,"sentiment":"neutral","sentiment_score":0.2950839065015316}],"sentiment":"positive","sentiment_score":0.35011151236923116,"num_words":38,"start":3.4399998,"end":18.395},{"sentences":[{"text":"Mate, can I just check security with you, and will you have access to your email today?","start":18.695,"end":23.755001,"sentiment":"neutral","sentiment_score":0.11477257837267484},{"text":"Awesome.","start":28.31,"end":28.81,"sentiment":"positive","sentiment_score":0.37802058458328247},{"text":"So I registered with our ticket advisor 1273105.","start":29.029999,"end":32.97,"sentiment":"neutral","sentiment_score":0.17912311758846045},{"text":"Could I please just confirm your date of birth and address?","start":33.03,"end":35.93,"sentiment":"neutral","sentiment_score":0.10435944321480664},{"text":"Sensational.","start":42.725002,"end":43.225002,"sentiment":"neutral","sentiment_score":0.09399782866239548}],"sentiment":"neutral","sentiment_score":0.13168660688557124,"num_words":38,"start":18.695,"end":43.225002},{"sentences":[{"text":"Thank you for that, mate.","start":43.685,"end":44.645,"sentiment":"positive","sentiment_score":0.4118788719177246},{"text":"And are you okay for the call to be recorded?","start":44.645,"end":46.585,"sentiment":"neutral","sentiment_score":0.10306635797023773},{"text":"Perfect.","start":50.325,"end":50.725,"sentiment":"positive","sentiment_score":0.5671840906143188},{"text":"Perfect.","start":50.725,"end":51.205,"sentiment":"positive","sentiment_score":0.449650764465332},{"text":"So where we left off last time, mate, is we were talking about the super, and you wanted a bit of a comparison between the Netwealth and the Colonial First State as well as some, like, projections, like how the last twelve months gone and some projections going forward about whether you were staying, moving back to Colonial first state, that kind of thing.","start":51.205,"end":73.365,"sentiment":"neutral","sentiment_score":0.05818347676540725}],"sentiment":"neutral","sentiment_score":0.09667450996736686,"num_words":81,"start":43.685,"end":73.365},{"sentences":[{"text":"Awesome.","start":75.424995,"end":75.905,"sentiment":"neutral","sentiment_score":0.32582545280456543},{"text":"So in the advice document that I'm sending through to you, I've got essentially what my recommendations are, but I've included some extra projections there for you.","start":75.905,"end":85.845,"sentiment":"neutral","sentiment_score":0.21121111677752602},{"text":"So there'll be a few different tables to run through together.","start":86.08,"end":89.06,"sentiment":"neutral","sentiment_score":0.16480634971098465},{"text":"Just let me know when you've gotten that email okay, and you should see there's some basic attachments at the bottom, like financial services guide.","start":89.439995,"end":99.299995,"sentiment":"neutral","sentiment_score":0.08785392940044404},{"text":"But if you go into that sign button, it'll bring up all the documents for us to go through together.","start":99.625,"end":105.244995,"sentiment":"neutral","sentiment_score":0.10569454357028008}],"sentiment":"neutral","sentiment_score":0.14466231617899167,"num_words":84,"start":75.424995,"end":105.244995},{"sentences":[{"text":"And it should look like a nice Gold Coast beachfront city picture.","start":110.905,"end":115.42,"sentiment":"neutral","sentiment_score":0.1956393321355184},{"text":"Got that one?","start":116.12,"end":117.02,"sentiment":"neutral","sentiment_score":0.09638376782337825},{"text":"Beauty.","start":118.6,"end":119.0,"sentiment":"neutral","sentiment_score":0.24093306064605713},{"text":"So this first document is the updated plan with all the comparisons and everything.","start":119.0,"end":124.14,"sentiment":"neutral","sentiment_score":0.19780186776603972},{"text":"And the next document after this is like an appendix with extra research, and that's got also a projection with if you roll back to Colonial First Aid as well.","start":124.52,"end":136.19499,"sentiment":"neutral","sentiment_score":0.13092147236069043}],"sentiment":"neutral","sentiment_score":0.1595771111547947,"num_words":60,"start":110.905,"end":136.19499},{"sentences":[{"text":"Cool.","start":138.175,"end":138.675,"sentiment":"neutral","sentiment_score":0.0136146554723382},{"text":"So if you have a little scroll through the page four for me, I'll just quickly touch on the scope of advice heading again.","start":138.735,"end":145.51001,"sentiment":"neutral","sentiment_score":0.07394516483570139},{"text":"Cool.","start":147.81,"end":148.13,"sentiment":"positive","sentiment_score":0.43415695428848267},{"text":"So the main thing here, we had the retirement goal, but the main thing was you've been running these two super funds for quite a while.","start":148.13,"end":154.61,"sentiment":"neutral","sentiment_score":0.1744308344160135},{"text":"You wanted to obviously compare them to see what the best option was for you.","start":154.61,"end":159.015,"sentiment":"neutral","sentiment_score":0.16825647205114364}],"sentiment":"neutral","sentiment_score":0.13852991554330088,"num_words":67,"start":138.175,"end":159.015},{"sentences":[{"text":"And if you remember, we went through there was a bit of an update to your portfolio around the time of our last discussion.","start":159.155,"end":167.095,"sentiment":"neutral","sentiment_score":0.04485936315419773},{"text":"Does that ring a bell?","start":167.395,"end":168.535,"sentiment":"neutral","sentiment_score":0.00864197164773941},{"text":"Yep.","start":172.37,"end":172.69,"sentiment":"neutral","sentiment_score":0.02738945186138153},{"text":"So that was there was a replacement of that Benelon option that was not performing well with the replacement Australian shares option.","start":172.69,"end":181.11,"sentiment":"neutral","sentiment_score":-0.10154326412488114},{"text":"So what I'm basically putting into this document is Colonial, what Netwealth was doing, what it currently is doing, just so you can see all three.","start":181.41,"end":191.265,"sentiment":"neutral","sentiment_score":0.042713236063718796}],"sentiment":"neutral","sentiment_score":0.0003053378552580491,"num_words":78,"start":159.155,"end":191.265},{"sentences":[{"text":"Cool?","start":193.085,"end":193.585,"sentiment":"neutral","sentiment_score":0.2145790457725525},{"text":"After that, estate planning, we're just touching on wills and powers of attorney and beneficiary nominations to make sure that's all up to date.","start":193.885,"end":202.09999,"sentiment":"neutral","sentiment_score":0.17447101107488075},{"text":"And I have factored in the premiums for the insurances that are through the super, but we're not giving you any insurance advice for that.","start":202.31999,"end":210.585,"sentiment":"neutral","sentiment_score":-0.054270064383745195},{"text":"Cool.","start":212.345,"end":212.845,"sentiment":"neutral","sentiment_score":0.13931351900100708},{"text":"As far as what's not covered in this document, which is page four and five, I'm obviously not giving you budgeting and debt advice.","start":213.145,"end":219.725,"sentiment":"neutral","sentiment_score":-0.24885332894821963}],"sentiment":"neutral","sentiment_score":-0.037173795650402706,"num_words":75,"start":193.085,"end":219.725},{"sentences":[{"text":"You're obviously focusing on your your mortgage repayments and the construction of investment properties and so on.","start":220.66501,"end":228.06001,"sentiment":"neutral","sentiment_score":-0.24680448805584626},{"text":"That's not something that you wanted for this document.","start":228.12001,"end":230.46,"sentiment":"neutral","sentiment_score":-0.23098991645707023},{"text":"Go past there, you'll see limited advice warning.","start":233.8,"end":236.44,"sentiment":"neutral","sentiment_score":-0.12880243454128504},{"text":"Again, this isn't touching on everything under the sun.","start":236.44,"end":239.295,"sentiment":"neutral","sentiment_score":-0.18028013408184052},{"text":"If any of the info we've got incorrect, that obviously impacts the advice.","start":239.295,"end":243.795,"sentiment":"neutral","sentiment_score":-0.28989848494529724}],"sentiment":"neutral","sentiment_score":-0.22671797379319156,"num_words":56,"start":220.66501,"end":243.795},{"sentences":[{"text":"If you could just have a quick look for me at the about you section and the assets and liabilities after that.","start":244.735,"end":251.795,"sentiment":"neutral","sentiment_score":-0.008753323758190329},{"text":"Email and phone number is correct.","start":252.99,"end":254.67,"sentiment":"neutral","sentiment_score":0.022270328054825466},{"text":"Production manager, 118,000.","start":254.67,"end":256.67,"sentiment":"neutral","sentiment_score":0.014068348643680414},{"text":"That's all correct?","start":256.67,"end":257.57,"sentiment":"neutral","sentiment_score":0.049270921697219215},{"text":"$1.40 now.","start":262.83,"end":263.71,"sentiment":"neutral","sentiment_score":0.09388518333435059}],"sentiment":"neutral","sentiment_score":0.008856583981671266,"num_words":36,"start":244.735,"end":263.71},{"sentences":[{"text":"Fantastic.","start":263.71,"end":264.21,"sentiment":"positive","sentiment_score":0.519180953502655},{"text":"Just to make a quick note of that.","start":264.59,"end":266.13,"sentiment":"neutral","sentiment_score":0.21907932870090008},{"text":"The assets, we had the property and the two cars.","start":266.705,"end":269.285,"sentiment":"neutral","sentiment_score":0.04276503901928663},{"text":"Sensational.","start":272.54498,"end":273.04498,"sentiment":"neutral","sentiment_score":0.22613182663917544},{"text":"And you've got the net wealth and the colonial listed there.","start":273.82498,"end":277.025,"sentiment":"neutral","sentiment_score":0.11886194009672511}],"sentiment":"neutral","sentiment_score":0.13655094003244753,"num_words":31,"start":263.71,"end":277.025},{"sentences":[{"text":"That's sort of the most recent balances that we've got.","start":277.025,"end":279.925,"sentiment":"neutral","sentiment_score":0.06776729300618171},{"text":"Today, a little bit different with unit prices.","start":280.63,"end":282.88998,"sentiment":"neutral","sentiment_score":-0.06558740045875311},{"text":"Insurances after that under risk protection.","start":283.91,"end":286.16998,"sentiment":"neutral","sentiment_score":-0.0387799379726251},{"text":"And risk profile ten and eleven, so high growth is obviously your risk profile.","start":287.75,"end":293.03,"sentiment":"neutral","sentiment_score":-0.15730950183102063},{"text":"We're not changing risk level at this point.","start":293.03,"end":295.21,"sentiment":"neutral","sentiment_score":-0.29671143367886543}],"sentiment":"neutral","sentiment_score":-0.101211530358895,"num_words":46,"start":277.025,"end":295.21},{"sentences":[{"text":"Cool.","start":296.685,"end":296.925,"sentiment":"neutral","sentiment_score":0.2690846920013428},{"text":"And then if you go down to strategy recommendations, it's a pretty text heavy page there.","start":296.925,"end":301.025,"sentiment":"neutral","sentiment_score":0.1596858138218522},{"text":"So this is the ideal strategy that I've recommended, which is obviously I was talking to you about moving funds across from Colonial into Netwealth if you're happy with the plan going forward.","start":303.165,"end":314.3,"sentiment":"positive","sentiment_score":0.46894546801393683},{"text":"I've included in there basically why we're doing it, which is, again, new investment option reduces the fees, get the performance back on track.","start":315.4,"end":325.595,"sentiment":"neutral","sentiment_score":0.12322130814815561},{"text":"I'm not projecting your retirement outcome because that's twenty years away, but I've just done the updated ten year projection at this point.","start":326.135,"end":333.595,"sentiment":"neutral","sentiment_score":-0.011937827681717665}],"sentiment":"neutral","sentiment_score":0.21630927336584663,"num_words":97,"start":296.685,"end":333.595},{"sentences":[{"text":"The other thing too is I'm just kind of putting in this document that I believe the switch of the Benelon option was in your best interest because it was underperforming overall time periods when we compared it.","start":335.52002,"end":347.415,"sentiment":"neutral","sentiment_score":-0.18950771952145978},{"text":"So that was definitely necessary to address.","start":347.655,"end":350.155,"sentiment":"neutral","sentiment_score":-0.3123236043112619},{"text":"Keep going down.","start":353.73502,"end":354.535,"sentiment":"neutral","sentiment_score":-0.06655741607149442},{"text":"You'll see insurances to be retained in Colonial there on '13.","start":354.535,"end":358.155,"sentiment":"neutral","sentiment_score":-0.023874381387775593},{"text":"Advantages and disadvantages on '14, which is basically just, again, performance and fees.","start":359.33502,"end":364.77002,"sentiment":"neutral","sentiment_score":-0.05552906371079958}],"sentiment":"neutral","sentiment_score":-0.1468295394960377,"num_words":72,"start":335.52002,"end":364.77002},{"sentences":[{"text":"The disadvantage is obviously having two super funds to pay the two fees.","start":364.99002,"end":369.89,"sentiment":"neutral","sentiment_score":-0.18478301282112414},{"text":"And for all of our investments that we recommend, they're all ETFs.","start":370.19,"end":374.37003,"sentiment":"neutral","sentiment_score":0.0016406193220367034},{"text":"So there's always brokerage to purchase them to get that lower fee ongoing.","start":374.51,"end":378.82498,"sentiment":"neutral","sentiment_score":0.06080700772312971},{"text":"Makes sense?","start":379.04498,"end":379.785,"sentiment":"neutral","sentiment_score":0.0746065266430378},{"text":"Cool.","start":381.125,"end":381.525,"sentiment":"neutral","sentiment_score":0.10835862159729004}],"sentiment":"neutral","sentiment_score":-0.03254704779332004,"num_words":41,"start":364.99002,"end":381.525},{"sentences":[{"text":"Now comparisons wise, can you please go to the tables on page sixteen and seventeen for me?","start":381.525,"end":386.905,"sentiment":"neutral","sentiment_score":0.057990546612178576},{"text":"So this is what was done.","start":388.725,"end":390.65,"sentiment":"neutral","sentiment_score":0.07587746034065883},{"text":"Benelon was switched to the a 200 ETF.","start":390.65,"end":393.79,"sentiment":"neutral","sentiment_score":0.040321024134755135},{"text":"That's what happened previously.","start":394.25,"end":395.71,"sentiment":"neutral","sentiment_score":0.04313385859131813},{"text":"Now with the table below that, we've got your colonial listed.","start":396.57,"end":401.95,"sentiment":"neutral","sentiment_score":0.04915311229838566}],"sentiment":"neutral","sentiment_score":0.05384547646035966,"num_words":46,"start":381.525,"end":401.95},{"sentences":[{"text":"We've got your Netwealth portfolio listed with all of the options including that a 200 as well.","start":402.01,"end":409.315,"sentiment":"neutral","sentiment_score":0.14399760523263147},{"text":"The third table is the model portfolio, which is basically what we keep rebalancing it to.","start":412.57498,"end":419.55,"sentiment":"neutral","sentiment_score":0.06866018171422184},{"text":"So if some of them go up and some of them go down, we would keep bringing it back to that original weighting.","start":419.62997,"end":425.88998,"sentiment":"neutral","sentiment_score":0.031794857476716454},{"text":"So, you know, buy low to sell high.","start":426.59,"end":428.69,"sentiment":"neutral","sentiment_score":0.06638230150565505},{"text":"K.","start":431.31,"end":431.81,"sentiment":"neutral","sentiment_score":0.030362186953425407}],"sentiment":"neutral","sentiment_score":0.07444960795916043,"num_words":65,"start":402.01,"end":431.81},{"sentences":[{"text":"Last couple of sort of details pages before the comparison.","start":432.27,"end":435.73502,"sentiment":"neutral","sentiment_score":0.037211147509515284},{"text":"Asset allocation on 18, colored pie chart there.","start":436.355,"end":440.215,"sentiment":"neutral","sentiment_score":0.033276224974542856},{"text":"Main thing here is the middle row in gray, growth total.","start":441.155,"end":446.05502,"sentiment":"neutral","sentiment_score":0.06718275628306648},{"text":"So for high growth, you're bouncing between 19 to a 100% in growth assets like shares, property, and gold.","start":446.29,"end":453.49,"sentiment":"neutral","sentiment_score":0.1653390009152262},{"text":"Does that ring a bell?","start":453.49,"end":454.63,"sentiment":"neutral","sentiment_score":0.13642111867666246}],"sentiment":"neutral","sentiment_score":0.09812977744863843,"num_words":53,"start":432.27,"end":454.63},{"sentences":[{"text":"Cool.","start":456.69,"end":457.19,"sentiment":"positive","sentiment_score":0.354661226272583},{"text":"Alright.","start":457.41,"end":457.89,"sentiment":"neutral","sentiment_score":0.24968264997005463},{"text":"Comparisons for you.","start":457.89,"end":459.01,"sentiment":"neutral","sentiment_score":0.2055013378461202},{"text":"Here we go.","start":459.01,"end":459.91,"sentiment":"neutral","sentiment_score":0.12673284113407135},{"text":"Nineteen and twenty are your comparisons, sir.","start":460.355,"end":463.495,"sentiment":"neutral","sentiment_score":0.1404332390853337}],"sentiment":"neutral","sentiment_score":0.1722719391187032,"num_words":15,"start":456.69,"end":463.495},{"sentences":[{"text":"So can you see the first fee comparison on page 19 for me?","start":463.795,"end":467.73502,"sentiment":"neutral","sentiment_score":0.07195317573272265},{"text":"Yep.","start":472.035,"end":472.355,"sentiment":"neutral","sentiment_score":0.07585979998111725},{"text":"So this just breaks down the net wealth for Colonial if we were to do a rollover and if you weren't comfortable with the plan.","start":472.355,"end":478.75,"sentiment":"neutral","sentiment_score":0.04844502665102482},{"text":"It just goes over the fee differences and so on.","start":479.69,"end":482.27002,"sentiment":"neutral","sentiment_score":0.05034820064902305},{"text":"I've put down there in color coding for you the performance comparison between the three, just like I promised, which is there's your colonial over one, five, and 10.","start":482.33002,"end":492.555,"sentiment":"neutral","sentiment_score":0.03708134276856636}],"sentiment":"neutral","sentiment_score":0.0487335602251383,"num_words":78,"start":463.795,"end":492.555},{"sentences":[{"text":"There's what your network was doing based on having Benelon inside it.","start":492.935,"end":497.91498,"sentiment":"neutral","sentiment_score":0.0444659615556399},{"text":"And then on the right hand side, this is your updated portfolio.","start":497.975,"end":501.675,"sentiment":"neutral","sentiment_score":0.03929709751779834},{"text":"Correct.","start":519.505,"end":519.825,"sentiment":"neutral","sentiment_score":0.0911073088645935},{"text":"So if you kept it in better long going forward, that's the twelve year, five year, and ten year.","start":519.825,"end":526.08,"sentiment":"neutral","sentiment_score":0.1065529800559345},{"text":"K?","start":529.76,"end":530.26,"sentiment":"neutral","sentiment_score":0.03669176995754242}],"sentiment":"neutral","sentiment_score":0.07016583130591446,"num_words":45,"start":492.935,"end":530.26},{"sentences":[{"text":"New one on the right.","start":530.96,"end":532.18,"sentiment":"neutral","sentiment_score":0.06547996997833253},{"text":"Main thing for you, though, is Colonial is pretty low on fees.","start":534.16003,"end":538.66003,"sentiment":"neutral","sentiment_score":0.31333911791443825},{"text":"They've got that small flat fee, 0.04 admin fee, 9% returns over five years, which is what we use for our comparison with the five year middle.","start":539.275,"end":549.615,"sentiment":"neutral","sentiment_score":0.29171582449365546},{"text":"High growth, you want double digits as much as you can.","start":551.035,"end":553.935,"sentiment":"positive","sentiment_score":0.40566326813264325},{"text":"They've been doing pretty good.","start":554.01,"end":555.47003,"sentiment":"positive","sentiment_score":0.707240903377533}],"sentiment":"neutral","sentiment_score":0.3327049498756727,"num_words":60,"start":530.96,"end":555.47003},{"sentences":[{"text":"9% of the five years is pretty good.","start":555.85004,"end":558.03,"sentiment":"positive","sentiment_score":0.6208657696843147},{"text":"That's their life stage option.","start":558.25,"end":559.79004,"sentiment":"positive","sentiment_score":0.35288195610046386},{"text":"And then if you go down one more page for me, this is pretty much what you were doing, what we've moved you into, what I'm thinking, as well as an updated projection there as well.","start":562.89,"end":574.60504,"sentiment":"neutral","sentiment_score":0.16949361852473682},{"text":"K.","start":577.945,"end":578.42505,"sentiment":"neutral","sentiment_score":0.023443927988409996},{"text":"Now can you see where I've got that quite long heading?","start":578.42505,"end":581.70996,"sentiment":"neutral","sentiment_score":-0.0009845959826965225}],"sentiment":"neutral","sentiment_score":0.2105855668368215,"num_words":61,"start":555.85004,"end":581.70996},{"sentences":[{"text":"Previous portfolio versus current and recommended on yep.","start":581.85,"end":589.79,"sentiment":"neutral","sentiment_score":-0.023232425330206752},{"text":"So what this is basically showing is all three mixed in, which is again Netwealth previously, Colonial currently versus what we're thinking.","start":590.25,"end":599.595,"sentiment":"neutral","sentiment_score":0.009480862073938955},{"text":"The big thing here is if you go to the investment fee row, second row in that middle section, The fees with the a 200 mixed in pretty much drops it from 1,400 to 400.","start":600.375,"end":615.96,"sentiment":"neutral","sentiment_score":-0.020304058492183686},{"text":"The Benelon was a lot more expensive.","start":617.94,"end":620.12,"sentiment":"negative","sentiment_score":-0.5663020866257804},{"text":"Performance at the bottom.","start":623.57495,"end":624.875,"sentiment":"neutral","sentiment_score":-0.10526077076792717}],"sentiment":"neutral","sentiment_score":-0.06675105491702102,"num_words":76,"start":581.85,"end":624.875},{"sentences":[{"text":"Just bear in mind that when it comes to the dollar figures, that's all based on the percentage based on the balance.","start":632.69495,"end":638.82996,"sentiment":"neutral","sentiment_score":-0.01517381180416454},{"text":"So if the colonial yeah.","start":639.61,"end":642.89,"sentiment":"neutral","sentiment_score":0.01930704526603222},{"text":"So if the colonial balance was 200,000, it's a 0.6% investment fee, whereas, yep, and then the portfolio that we've got you currently in is 0.2.","start":642.89,"end":656.395,"sentiment":"neutral","sentiment_score":0.008516375727664966},{"text":"So it depends on where you move the funds between.","start":656.53503,"end":659.195,"sentiment":"neutral","sentiment_score":0.013200550898909568},{"text":"That's why I've included in the appendix if you put the whole lot in there, which I'll just quickly bring that up actually.","start":659.335,"end":668.49005,"sentiment":"neutral","sentiment_score":0.009742130241964174}],"sentiment":"neutral","sentiment_score":0.0039559493036290935,"num_words":86,"start":632.69495,"end":668.49005},{"sentences":[{"text":"1,310.","start":674.63,"end":676.49005,"sentiment":"neutral","sentiment_score":0.018886223435401917},{"text":"So, again, bit of grain of salt on the projections there.","start":681.70496,"end":685.065,"sentiment":"neutral","sentiment_score":-0.03239760497076945},{"text":"That's just based on the average returns at the bottom there.","start":685.065,"end":689.005,"sentiment":"neutral","sentiment_score":0.033451616764068604},{"text":"So the previous Netwealth and the Colonial averaged out to about seven.","start":689.225,"end":694.07,"sentiment":"neutral","sentiment_score":0.06523095893984039},{"text":"The new ones averaging out about that 12, factoring in keeping the Colonial investment going for the insurances.","start":694.77,"end":701.91,"sentiment":"neutral","sentiment_score":0.2299362557629744}],"sentiment":"neutral","sentiment_score":0.093435933286289,"num_words":53,"start":674.63,"end":701.91},{"sentences":[{"text":"And the difference of that would make 50 to a 150,000 based on both switches.","start":702.77,"end":709.945,"sentiment":"neutral","sentiment_score":0.09696177293856939},{"text":"K?","start":712.405,"end":712.905,"sentiment":"neutral","sentiment_score":-0.06295506656169891},{"text":"Now outside of that, the rest of the document basically just goes through beneficiary nomination, make sure that's up to date for Colonial, and just the reminders for the wills and the power of attorney, and then services and fees at the bottom.","start":713.205,"end":729.82,"sentiment":"neutral","sentiment_score":0.09676645964730618},{"text":"K?","start":732.84,"end":733.34,"sentiment":"neutral","sentiment_score":0.0712968036532402},{"text":"So what I was gonna do is basically just walk you through that, answer any questions that you have, and then just sort of leave that with you to kind of read through, make sure you're comfortable, ask any questions.","start":733.4,"end":743.795,"sentiment":"neutral","sentiment_score":0.2272828983142972}],"sentiment":"neutral","sentiment_score":0.14715042028576136,"num_words":100,"start":702.77,"end":743.795},{"sentences":[{"text":"100 percent.","start":754.98,"end":755.88,"sentiment":"neutral","sentiment_score":0.25789983570575714},{"text":"One thing that I'll get you to do too is with the the Odoo sign that we've got, the purple buttons will actually bring you to a sign in section for this statement of advice and stamp the signature name and date on there, but you can click through the documents.","start":756.98,"end":773.655,"sentiment":"neutral","sentiment_score":0.12792828766738668},{"text":"There should be some arrows there, and if you scroll at the bottom, it should say next document.","start":773.655,"end":777.91504,"sentiment":"neutral","sentiment_score":0.057400753100713096},{"text":"So what you'll be able to go through is after the statement of advice, there's the appendix with that rollback comparison for you so you can break down all the fees and performance and everything.","start":778.2,"end":787.9,"sentiment":"neutral","sentiment_score":0.16926662602594922},{"text":"And then if you're happy with what we're thinking, then there's, like, the service agreement, tax file number, opt in, and a product disclosure statement after that.","start":789.4,"end":799.005,"sentiment":"neutral","sentiment_score":0.13017307884163326}],"sentiment":"neutral","sentiment_score":0.13167188675107813,"num_words":133,"start":754.98,"end":799.005},{"sentences":[{"text":"Cool.","start":802.66504,"end":803.16504,"sentiment":"neutral","sentiment_score":-0.07529954612255096},{"text":"One thing too, couple things to consider as well is, obviously, I never like recommending someone has two super funds because 99 times out of a 100, what's the point kind of thing.","start":817.925,"end":828.585,"sentiment":"neutral","sentiment_score":-0.21929262284979675},{"text":"The only reason that you would run Netwealth in addition to Colonial is just to get access to all those extra investment options and features.","start":829.52,"end":837.46,"sentiment":"neutral","sentiment_score":-0.11747151881456375},{"text":"It's a bit more expensive.","start":837.84,"end":839.14,"sentiment":"negative","sentiment_score":-0.38080382347106934},{"text":"You've got your 700 options there.","start":839.52,"end":841.12,"sentiment":"neutral","sentiment_score":-0.25353621194760007}],"sentiment":"neutral","sentiment_score":-0.19534257799386978,"num_words":70,"start":802.66504,"end":841.12},{"sentences":[{"text":"We could build all the fancy ETFs in the world and make a really nice portfolio out of it, but you still pay that.","start":841.12,"end":847.48505,"sentiment":"neutral","sentiment_score":0.3290485230584939},{"text":"I think it's hang on.","start":848.10504,"end":849.22504,"sentiment":"neutral","sentiment_score":-0.00675248010084033},{"text":"Let me bring it up.","start":849.22504,"end":849.945,"sentiment":"neutral","sentiment_score":0.008971981704235077},{"text":"I've got it in front of me.","start":849.945,"end":851.645,"sentiment":"neutral","sentiment_score":0.0008537593696798597},{"text":"I think it's about $52 a year that they charge as, like, an account keeping fee for Colonial.","start":852.825,"end":860.37,"sentiment":"neutral","sentiment_score":-0.1104756330864297}],"sentiment":"neutral","sentiment_score":0.10043520307547207,"num_words":59,"start":841.12,"end":860.37},{"sentences":[{"text":"That's probably, like, the main drawback.","start":860.82996,"end":862.61,"sentiment":"negative","sentiment_score":-0.5058142393827438},{"text":"Yes.","start":877.245,"end":877.745,"sentiment":"neutral","sentiment_score":-0.009720562025904655},{"text":"I've got let me have a quick look at what we've noted down.","start":886.92,"end":889.82,"sentiment":"neutral","sentiment_score":0.09160874167887065},{"text":"Yeah.","start":890.52,"end":890.83997,"sentiment":"neutral","sentiment_score":0.2122516930103302},{"text":"So there's the premiums for the Colonial is ridiculously affordable.","start":890.83997,"end":895.775,"sentiment":"positive","sentiment_score":0.44305255711078645}],"sentiment":"neutral","sentiment_score":0.08997048089100469,"num_words":31,"start":860.82996,"end":895.775},{"sentences":[{"text":"It's $829 a year for $400 of life and CBD, 8,000 a month worth of income protection, and that's a thirty day wait, which is perfectly standard.","start":895.775,"end":907.79504,"sentiment":"neutral","sentiment_score":0.24542849759260812},{"text":"Like, you're out for a month.","start":907.85504,"end":908.97,"sentiment":"neutral","sentiment_score":0.09452187394102414},{"text":"Here you go, there's your monthly, and it'll pay you for two years per injury.","start":909.05,"end":913.06995,"sentiment":"neutral","sentiment_score":0.06708899239699045},{"text":"Anything more than two years, here's $400 for the tip of that.","start":913.61,"end":917.38995,"sentiment":"neutral","sentiment_score":0.03605895210057497},{"text":"So if you're like, let's say you're injured for more than two years, likely, what is you're probably not going back to work in most cases, so then you'd probably qualify for the total disability lump sum, which is at 400 thousand as well.","start":922.245,"end":934.26,"sentiment":"neutral","sentiment_score":-0.1735564653169025}],"sentiment":"neutral","sentiment_score":0.009579408806390487,"num_words":104,"start":895.775,"end":934.26},{"sentences":[{"text":"Yeah.","start":935.38,"end":935.7,"sentiment":"neutral","sentiment_score":0.04720816761255264},{"text":"That's the one.","start":935.7,"end":936.42,"sentiment":"neutral","sentiment_score":0.04887497425079346},{"text":"So they kind of go hand in hand.","start":936.42,"end":937.86,"sentiment":"neutral","sentiment_score":0.03918758872896433},{"text":"It's like, here's your short term, here's your long term.","start":937.86,"end":940.28,"sentiment":"neutral","sentiment_score":0.07184396348893643},{"text":"The other thing too is before like, read through it when you're comfortable, come back with any questions.","start":943.7,"end":949.16003,"sentiment":"neutral","sentiment_score":0.0669665260033475}],"sentiment":"neutral","sentiment_score":0.06077927257865667,"num_words":40,"start":935.38,"end":949.16003},{"sentences":[{"text":"If you want to amend any of this at all, like, for example, if you just say, hey.","start":950.555,"end":954.795,"sentiment":"neutral","sentiment_score":0.03976975702163246},{"text":"Look.","start":954.795,"end":955.27496,"sentiment":"neutral","sentiment_score":-0.010875847190618517},{"text":"This all sounds great, but I would like to let it run for a year and see how it goes.","start":955.27496,"end":959.45496,"sentiment":"positive","sentiment_score":0.6012235730886459},{"text":"We don't have to roll funds across from Colonial.","start":959.755,"end":962.575,"sentiment":"neutral","sentiment_score":0.017291562631726265},{"text":"We could you can write at the bottom of the document in the text box I've got for you.","start":963.00995,"end":967.58997,"sentiment":"neutral","sentiment_score":0.1211663649270409}],"sentiment":"neutral","sentiment_score":0.22667516773538804,"num_words":67,"start":950.555,"end":967.58997},{"sentences":[{"text":"Say, look, happy to go ahead with the investments as you've outlined, but no rollover, and then we can just let that go.","start":967.73,"end":974.44995,"sentiment":"neutral","sentiment_score":0.24110992050365262},{"text":"Like, it's up to you.","start":974.44995,"end":975.945,"sentiment":"neutral","sentiment_score":0.14126907289028168},{"text":"So the top up, we usually keep 10,000 minimum.","start":983.705,"end":987.405,"sentiment":"neutral","sentiment_score":0.022990001882943843},{"text":"It's at 38, so it'd be 28.","start":987.625,"end":989.79,"sentiment":"neutral","sentiment_score":0.019794824666210582},{"text":"Yep.","start":1011.805,"end":1011.96497,"sentiment":"neutral","sentiment_score":0.09419628977775574}],"sentiment":"neutral","sentiment_score":0.1487009692316254,"num_words":45,"start":967.73,"end":1011.96497},{"sentences":[{"text":"Yeah.","start":1011.96497,"end":1012.285,"sentiment":"neutral","sentiment_score":0.1767514944076538},{"text":"Absolutely.","start":1012.285,"end":1012.785,"sentiment":"neutral","sentiment_score":0.25053882598876953},{"text":"Like, it's one of the things that when you're paying the fees for the advice, totally fine to kind of let it run, proof in the pudding kind of thing.","start":1012.845,"end":1021.12,"sentiment":"neutral","sentiment_score":0.15579318317274252},{"text":"If the market goes up, I know what the returns are gonna be like.","start":1021.12,"end":1024.88,"sentiment":"neutral","sentiment_score":0.011432399041950703},{"text":"When the market goes down, it's gonna be a bit rough because high growth.","start":1024.88,"end":1028.1799,"sentiment":"neutral","sentiment_score":-0.04909954033792019}],"sentiment":"neutral","sentiment_score":0.07622909729058544,"num_words":60,"start":1011.96497,"end":1028.1799},{"sentences":[{"text":"So when you get to that point, everything in Odoo sign is clickable.","start":1028.48,"end":1034.295,"sentiment":"neutral","sentiment_score":0.03483825950668408},{"text":"So you don't just have to hit the button for it to stamp all the signatures.","start":1034.755,"end":1037.555,"sentiment":"neutral","sentiment_score":0.047664159908890724},{"text":"You can just click that box above the signature spot where it says, I've chosen to vary the recommendations, and then just type in, hey.","start":1037.555,"end":1044.515,"sentiment":"neutral","sentiment_score":0.02097046695649624},{"text":"Don't wanna go ahead with the wrong logo.","start":1044.515,"end":1046.43,"sentiment":"neutral","sentiment_score":-0.10568416863679886},{"text":"K.","start":1049.55,"end":1050.05,"sentiment":"neutral","sentiment_score":0.06815461814403534}],"sentiment":"neutral","sentiment_score":0.015277251985574525,"num_words":63,"start":1028.48,"end":1050.05},{"sentences":[{"text":"Alright.","start":1051.7101,"end":1052.2101,"sentiment":"neutral","sentiment_score":0.14180713891983032},{"text":"Is there anything else I can help you with?","start":1052.27,"end":1054.4501,"sentiment":"neutral","sentiment_score":0.13662087751759422},{"text":"Yep.","start":1055.0701,"end":1055.5701,"sentiment":"neutral","sentiment_score":-0.07577571272850037},{"text":"Easy.","start":1060.365,"end":1060.6849,"sentiment":"neutral","sentiment_score":0.2991500496864319},{"text":"And look, if you have any further questions, like, you can obviously email the team, call in, and just book in for a quick chat with me.","start":1060.6849,"end":1068.3049,"sentiment":"neutral","sentiment_score":0.2527286448964366}],"sentiment":"neutral","sentiment_score":0.21585750732666406,"num_words":39,"start":1051.7101,"end":1068.3049},{"sentences":[{"text":"Just don't respond to the Odoo email because it's just part of that what do you call it?","start":1069.005,"end":1074.12,"sentiment":"neutral","sentiment_score":-0.16599659787284005},{"text":"Like, DocuSign thing.","start":1074.12,"end":1075.3201,"sentiment":"neutral","sentiment_score":-0.08275870482126872},{"text":"It won't come straight through to me.","start":1075.3201,"end":1077.1,"sentiment":"neutral","sentiment_score":-0.05325231807572501},{"text":"Cool.","start":1080.28,"end":1080.76,"sentiment":"positive","sentiment_score":0.37495410442352295},{"text":"Alright, Janet.","start":1080.76,"end":1081.56,"sentiment":"neutral","sentiment_score":0.20963729172945023}],"sentiment":"neutral","sentiment_score":-0.09079846499427673,"num_words":31,"start":1069.005,"end":1081.56},{"sentences":[{"text":"Look.","start":1081.56,"end":1081.72,"sentiment":"positive","sentiment_score":0.3860388696193695},{"text":"I appreciate you taking the time, and it is a lot of information to read.","start":1081.72,"end":1086.2001,"sentiment":"positive","sentiment_score":0.7089113434155782},{"text":"So, again, any questions, just let us know.","start":1086.2001,"end":1088.4149,"sentiment":"neutral","sentiment_score":0.2984671425074339},{"text":"Awesome.","start":1091.1349,"end":1091.6149,"sentiment":"positive","sentiment_score":0.8520317673683167},{"text":"Have a great night, mate.","start":1091.6149,"end":1092.4949,"sentiment":"positive","sentiment_score":0.8250752091407776}],"sentiment":"positive","sentiment_score":0.6128284657994906,"num_words":30,"start":1081.56,"end":1092.4949},{"sentences":[{"text":"Cheers.","start":1092.4949,"end":1092.9949,"sentiment":"positive","sentiment_score":0.7152498960494995}],"sentiment":"positive","sentiment_score":0.7152498960494995,"num_words":1,"start":1092.4949,"end":1092.9949}]}}]},{"alternatives":[{"transcript":"Hello. Chen speaking. Yeah. Good. Thanks, man. Yep. Yes. Twenty to the seventh, nine ninety five. 10 Gould Street, Seabedown. Sure. That's fine. Yep. Yeah. Yep. Okay. Yeah. Yeah. Yep. Yep. Yep. Okay. Yep. Mhmm. Yeah. Mhmm. Yeah. Kind of. Yeah. Yeah. Sure. Mhmm. Yep. Yep. Yep. Yep. Yep. Yes. The income's $1.40 now. Yep. Yep. Yep. That's still correct. Mhmm. Yep. Yep. Mhmm. Yep. Mhmm. Mhmm. Yes. Yes. Yeah. Mhmm. Yep. Yep. Yep. Okay. Yep. First, for you, comparison. Yeah. Okay. Yep. No. Mhmm. So one year CFS 14.09. Net worth original portfolio was 1.071. Yep. Yeah. Mhmm. Previous versus current and recommended. Yeah. Yep. Man, Colonial was was yeah. Colonial was $2.49. Right. Okay. End of that. Yeah. Yeah. Yeah. Okay. Yeah. Yeah. No. Okay. Yep. Mhmm. Yep. Mhmm. Okay. Yeah. Yeah. I will, I guess, kinda read through it in terms of, like, you know, probably have to do another time, I guess, read through it a bit more carefully. And then, yeah, go from there. Yep. Yeah. Yeah. Yeah. Yeah. Okay. Yeah. Yeah. Yeah. I guess, you know, at the moment, I just wanna make sure that Colonial is kept because of the insurance purposes. I don't wanna, you know, move away from Colonial at this stage. Yeah. K. Yeah. Yeah. Yeah. I guess yeah. That's fine. But, I mean, I guess, like, you know, for me to get income protection through another provider, it would be a lot more. Right? Because I think income protection included in my Colonial super, and I'm not paying anything for that. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Sorry. Anything more than two users? Well, sorry. Yeah. The total impairment. Yeah. Okay. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Okay. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Okay. Okay. Yeah. Because the rollover how much was the rollover again for this year? Yeah. 28. Yeah. Okay. Yeah. Yeah. Okay. Alright. Yeah. I'll have a look at that, and I might I might okay. I think this time might choose not to do any rollover to see how you guys form. Yeah. Yeah. Okay. Yeah. Yeah. Yeah. Yeah. Yep. Mhmm. Yeah. Okay. Alright. Okay. Alright. Well, I'll review this. No. Not at this stage. I'll review this and, yeah, we'll go from there. Yep. Go on. Yeah. Okay. No worries. Okay. No worries. Cool. Thanks, bud. Thanks. 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Chen speaking. Yeah. Good. Thanks, man.\n\nYep. Yes. Twenty to the seventh, nine ninety five. 10 Gould Street, Seabedown. Sure.\n\nThat's fine. Yep. Yeah. Yep. Okay.\n\nYeah. Yeah. Yep. Yep. Yep.\n\nOkay. Yep. Mhmm. Yeah. Mhmm.\n\nYeah. Kind of. Yeah. Yeah. Sure.\n\nMhmm. Yep. Yep. Yep. Yep.\n\nYep. Yes. The income's $1.40 now. Yep. Yep.\n\nYep. That's still correct. Mhmm. Yep. Yep.\n\nMhmm. Yep. Mhmm. Mhmm. Yes.\n\nYes. Yeah. Mhmm. Yep. Yep.\n\nYep. Okay. Yep. First, for you, comparison. Yeah.\n\nOkay. Yep. No. Mhmm. So one year CFS 14.09.\n\nNet worth original portfolio was 1.071. Yep. Yeah. Mhmm. Previous versus current and recommended.\n\nYeah. Yep. Man, Colonial was was yeah. Colonial was $2.49. Right.\n\nOkay. End of that. Yeah. Yeah. Yeah.\n\nOkay. Yeah. Yeah. No. Okay.\n\nYep. Mhmm. Yep. Mhmm. Okay.\n\nYeah. Yeah. I will, I guess, kinda read through it in terms of, like, you know, probably have to do another time, I guess, read through it a bit more carefully. And then, yeah, go from there. Yep.\n\nYeah. Yeah. Yeah. Yeah. Okay.\n\nYeah. Yeah. Yeah. I guess, you know, at the moment, I just wanna make sure that Colonial is kept because of the insurance purposes. I don't wanna, you know, move away from Colonial at this stage.\n\nYeah. K. Yeah. Yeah. Yeah.\n\nI guess yeah. That's fine. But, I mean, I guess, like, you know, for me to get income protection through another provider, it would be a lot more. Right? Because I think income protection included in my Colonial super, and I'm not paying anything for that.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Sorry. Anything more than two users? Well, sorry. Yeah.\n\nThe total impairment. Yeah. Okay. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Okay.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Okay. Okay. Yeah.\n\nBecause the rollover how much was the rollover again for this year? Yeah. 28. Yeah. Okay.\n\nYeah. Yeah. Okay. Alright. Yeah.\n\nI'll have a look at that, and I might I might okay. I think this time might choose not to do any rollover to see how you guys form. Yeah. Yeah. Okay.\n\nYeah. Yeah. Yeah. Yeah. Yep.\n\nMhmm. Yeah. Okay. Alright. Okay.\n\nAlright. Well, I'll review this. No. Not at this stage. I'll review this and, yeah, we'll go from there.\n\nYep. Go on. Yeah. Okay. No worries.\n\nOkay. No worries. Cool. Thanks, bud. 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have a look at that, and I might I might okay.","start":999.14496,"end":1001.225,"sentiment":"neutral","sentiment_score":0.019065113582958777},{"text":"I think this time might choose not to do any rollover to see how you guys 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I'll review this.","start":1052.295,"end":1053.6749,"sentiment":"neutral","sentiment_score":0.1396549642086029},{"text":"No.","start":1054.615,"end":1054.855,"sentiment":"neutral","sentiment_score":-0.12806402146816254},{"text":"Not at this stage.","start":1054.855,"end":1055.835,"sentiment":"neutral","sentiment_score":-0.12090147845447063},{"text":"I'll review this and, yeah, we'll go from there.","start":1056.215,"end":1059.115,"sentiment":"neutral","sentiment_score":0.05471638714273771}],"sentiment":"neutral","sentiment_score":0.03138626308033341,"num_words":19,"start":1051.975,"end":1059.115},{"sentences":[{"text":"Yep.","start":1065.83,"end":1066.33,"sentiment":"neutral","sentiment_score":0.22385826706886292},{"text":"Go on.","start":1068.71,"end":1069.29,"sentiment":"neutral","sentiment_score":0.043343422934412956},{"text":"Yeah.","start":1075.825,"end":1076.325,"sentiment":"neutral","sentiment_score":-0.004510963335633278},{"text":"Okay.","start":1077.345,"end":1077.825,"sentiment":"neutral","sentiment_score":0.06739550828933716},{"text":"No worries.","start":1077.825,"end":1078.485,"sentiment":"neutral","sentiment_score":0.14271270111203194}],"sentiment":"neutral","sentiment_score":0.09412215144506522,"num_words":7,"start":1065.83,"end":1078.485},{"sentences":[{"text":"Okay.","start":1081.105,"end":1081.605,"sentiment":"neutral","sentiment_score":0.2646690905094147},{"text":"No worries.","start":1088.635,"end":1089.195,"sentiment":"neutral","sentiment_score":0.2818194031715393},{"text":"Cool.","start":1089.195,"end":1089.515,"sentiment":"positive","sentiment_score":0.6185997724533081},{"text":"Thanks, bud.","start":1089.515,"end":1090.255,"sentiment":"positive","sentiment_score":0.7798929810523987},{"text":"Thanks.","start":1092.955,"end":1093.355,"sentiment":"positive","sentiment_score":0.710570216178894}],"sentiment":"positive","sentiment_score":0.5310376925127847,"num_words":7,"start":1081.105,"end":1093.355},{"sentences":[{"text":"Bye.","start":1093.355,"end":1093.855,"sentiment":"neutral","sentiment_score":-0.11724451929330826}],"sentiment":"neutral","sentiment_score":-0.11724451929330826,"num_words":1,"start":1093.355,"end":1093.855}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Chen speaking.\n\nChannel 0: Good day, Shannon. It's Tommy here, senior adviser of Roku, mate. How are you doing?\n\nChannel 1: Yeah. Good. Thanks, man.\n\nChannel 0: Fantastic to hear. I've got a bit of an updated document to send through to you\n\nChannel 1: Yep.\n\nChannel 0: today for our discussion with the super. Mate, can I just check security with you, and will you have access to your email today?\n\nChannel 1: Yes.\n\nChannel 0: Awesome. So I registered with our ticket advisor 1273105. Could I please just confirm your date of birth and address?\n\nChannel 1: Twenty to the seventh, nine ninety five. 10 Gould\n\nChannel 0: Sensational. Thank you for\n\nChannel 1: Street,\n\nChannel 0: that, mate. And are you okay for the call to be recorded?\n\nChannel 1: Seabedown. Sure. That's fine.\n\nChannel 0: Perfect. Perfect. So where we left off last time, mate, is we were talking about the super, and you wanted a bit of a comparison between the Netwealth and the Colonial First State as well as some,\n\nChannel 1: Yep.\n\nChannel 0: like, projections, like how the last twelve months gone and some projections going forward about whether you were staying, moving back to Colonial first state, that kind of thing.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Awesome. So in the advice document that I'm sending through to you, I've got essentially what my recommendations are, but I've included some extra projections there for you. So there'll be a few different tables to run through together. Just\n\nChannel 1: Okay.\n\nChannel 0: let me know when you've gotten that email okay, and you should see there's some basic attachments at the bottom, like financial services guide. But if\n\nChannel 1: Yeah.\n\nChannel 0: you go into that sign button, it'll bring up all the documents for us to go through together. And it should look like a nice Gold Coast beachfront\n\nChannel 1: Yeah.\n\nChannel 0: city picture.\n\nChannel 1: Yep.\n\nChannel 0: Got that one?\n\nChannel 1: Yep.\n\nChannel 0: Beauty. So this first document is the updated plan with all the comparisons and everything.\n\nChannel 1: Yep.\n\nChannel 0: And the next document after this is like an appendix with extra research, and that's got also a projection with if you roll back to Colonial First Aid as well.\n\nChannel 1: Okay.\n\nChannel 0: Cool. So if you have a little scroll through the page four for me, I'll just quickly touch on the scope of advice heading again.\n\nChannel 1: Yep.\n\nChannel 0: Cool. So the main thing here, we had the retirement goal, but the main thing was\n\nChannel 1: Mhmm.\n\nChannel 0: you've been running these two super funds for quite a while. You wanted to obviously compare them to see what the best option was for you. And\n\nChannel 1: Yeah.\n\nChannel 0: if you remember, we went through there was a bit of an update to your portfolio around the time of our last discussion. Does that ring\n\nChannel 1: Mhmm.\n\nChannel 0: a bell?\n\nChannel 1: Yeah. Kind of. Yeah.\n\nChannel 0: Yep. So that was there was a replacement of that Benelon option that was not performing well with the replacement Australian shares option. So\n\nChannel 1: Yeah.\n\nChannel 0: what I'm basically putting into this document is Colonial, what Netwealth was doing, what it currently is doing, just so you can see all three.\n\nChannel 1: Sure.\n\nChannel 0: Cool? After that, estate planning, we're just touching on wills and powers of attorney and beneficiary nominations to make sure that's all up to date. And\n\nChannel 1: Mhmm.\n\nChannel 0: I have factored in the premiums for the insurances that are through the super, but we're not\n\nChannel 1: Yep.\n\nChannel 0: giving you any insurance advice for that. Cool. As far as what's not covered in this document, which is page four and five, I'm obviously not giving you budgeting and debt advice. You're obviously focusing on your your mortgage repayments and the construction of investment properties and so on. That's not something that you wanted\n\nChannel 1: Yep.\n\nChannel 0: for this document. Go past there, you'll see limited advice warning. Again, this isn't touching on everything under the sun. If any of the info we've got incorrect, that obviously impacts the advice. If\n\nChannel 1: Yep.\n\nChannel 0: you could just have a quick look for me at the about you section and the\n\nChannel 1: Yep.\n\nChannel 0: assets and liabilities after that.\n\nChannel 1: Yep.\n\nChannel 0: Email and phone number is correct. Production manager, 118,000. That's all correct?\n\nChannel 1: Yes. The income's $1.40 now. Yep.\n\nChannel 0: $1.40 now. Fantastic. Just to\n\nChannel 1: Yep.\n\nChannel 0: make a quick note of that. The assets, we had the property and the two cars.\n\nChannel 1: Yep. That's still correct.\n\nChannel 0: Sensational. And you've got the net wealth and the colonial listed there. That's sort of the most recent balances that we've got. Today, a little bit different with unit prices. Insurances\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: after that under risk protection.\n\nChannel 1: Yep.\n\nChannel 0: And risk profile ten and eleven, so high growth is obviously your risk profile. We're not changing risk level at this point.\n\nChannel 1: Mhmm.\n\nChannel 0: Cool. And then if you go down to strategy recommendations, it's a pretty text heavy page there.\n\nChannel 1: Yep.\n\nChannel 0: So this is the ideal strategy that I've recommended, which is obviously I was talking to you about moving funds across from Colonial into Netwealth if you're happy with the plan going forward.\n\nChannel 1: Mhmm.\n\nChannel 0: I've included in there basically why we're doing it, which is,\n\nChannel 1: Mhmm.\n\nChannel 0: again, new investment option reduces the fees, get the performance back on track. I'm not projecting your retirement outcome because that's twenty years away, but I've just done\n\nChannel 1: Yes.\n\nChannel 0: the updated ten year projection at this point.\n\nChannel 1: Yes.\n\nChannel 0: The other thing too is I'm just kind of putting in this document that I believe the switch of the Benelon option was in your best interest because it was underperforming overall time periods when we compared it. So that was definitely necessary to address.\n\nChannel 1: Yeah.\n\nChannel 0: Keep going down. You'll see insurances to be retained in Colonial there on '13.\n\nChannel 1: Mhmm.\n\nChannel 0: Advantages and disadvantages on '14, which is basically just, again, performance and fees. The disadvantage is obviously having two super funds to pay the two fees. And for all of our investments\n\nChannel 1: Yep.\n\nChannel 0: that we recommend, they're all ETFs. So there's always brokerage to purchase them to get\n\nChannel 1: Yep.\n\nChannel 0: that lower fee ongoing. Makes sense? Cool. Now comparisons wise, can you please go to the tables on page sixteen and seventeen for me?\n\nChannel 1: Yep.\n\nChannel 0: So this is what was done. Benelon was switched to the a 200 ETF. That's what happened previously. Now with the table below that, we've got your colonial listed. We've got your Netwealth portfolio listed with all of the options including that a 200 as well.\n\nChannel 1: Okay.\n\nChannel 0: The third table is the model portfolio, which is basically what we keep rebalancing it to. So if some of them go up and some of them go down, we would keep bringing it back to that original weighting. So,\n\nChannel 1: Yep.\n\nChannel 0: you know, buy low to sell high. K. Last couple of sort of details pages before the comparison. Asset allocation on 18, colored pie chart there. Main thing here is the middle row in gray, growth total.\n\nSo for high growth, you're bouncing between 19 to a 100% in growth assets like shares, property, and gold. Does that ring a bell? Cool. Alright. Comparisons for you.\n\nHere we go. Nineteen and twenty are your comparisons, sir. So can you see the first fee comparison on page 19 for me?\n\nChannel 1: First, for you, comparison. Yeah. Okay. Yep.\n\nChannel 0: Yep. So this just breaks down the net wealth for Colonial if we were to do a rollover and if you weren't comfortable with the plan. It just goes over the fee differences and so on. I've put down there in color coding for you the performance comparison between the three, just like I promised,\n\nChannel 1: No.\n\nChannel 0: which is there's your colonial over one, five, and 10. There's what your network was doing based on having Benelon inside it. And then on the right hand side, this is your updated portfolio.\n\nChannel 1: Mhmm. So one year CFS 14.09. Net worth original portfolio was 1.071.\n\nChannel 0: Correct. So if you kept it in better long going forward, that's the twelve year, five year, and ten year.\n\nChannel 1: Yep.\n\nChannel 0: K? New one on the right. Main thing for you, though, is Colonial is pretty low on fees. They've got that small flat fee, 0.04 admin fee, 9% returns over five years, which is what we use for our comparison with the five year middle. High growth, you want double digits as much as you can.\n\nThey've been doing pretty good. 9% of the five years is pretty good. That's their life stage option.\n\nChannel 1: Yeah.\n\nChannel 0: And then if you go down one more page for me, this is pretty much what you were doing, what we've moved you into, what I'm thinking, as well as an updated projection there as well.\n\nChannel 1: Mhmm.\n\nChannel 0: K. Now can you see where I've got that quite long heading? Previous portfolio versus current and recommended\n\nChannel 1: Previous versus\n\nChannel 0: on\n\nChannel 1: current and recommended. Yeah.\n\nChannel 0: yep. So what this is basically showing is all three mixed in, which is again Netwealth previously, Colonial currently versus what we're thinking. The big thing here is if you go to the investment fee row, second row in that middle section,\n\nChannel 1: Yep.\n\nChannel 0: The fees with the a 200 mixed in pretty much drops it from 1,400 to 400. The Benelon was a lot more expensive.\n\nChannel 1: Man, Colonial\n\nChannel 0: Performance\n\nChannel 1: was\n\nChannel 0: at the bottom.\n\nChannel 1: was yeah. Colonial was $2.49. Right. Okay.\n\nChannel 0: Just bear in mind that when it comes to the dollar figures, that's all based on the percentage based on the balance. So if the colonial yeah. So if the colonial balance was 200,000, it's a 0.6% investment\n\nChannel 1: End of\n\nChannel 0: fee,\n\nChannel 1: that. Yeah. Yeah.\n\nChannel 0: whereas,\n\nChannel 1: Yeah.\n\nChannel 0: yep, and then the portfolio that we've got you currently in is 0.2. So it\n\nChannel 1: Okay.\n\nChannel 0: depends on where you\n\nChannel 1: Yeah.\n\nChannel 0: move the funds between. That's why I've\n\nChannel 1: Yeah.\n\nChannel 0: included in the appendix if you put the whole lot in there,\n\nChannel 1: No. Okay.\n\nChannel 0: which I'll just quickly bring that up actually. 1,310. So, again, bit of grain of salt on the projections there. That's just based on the average returns at the bottom there. So the previous Netwealth and the Colonial averaged out to about seven.\n\nThe new ones averaging out about that 12, factoring in keeping the Colonial investment going for the insurances. And\n\nChannel 1: Yep.\n\nChannel 0: the difference of that would make 50 to a 150,000 based on\n\nChannel 1: Mhmm.\n\nChannel 0: both switches.\n\nChannel 1: Yep.\n\nChannel 0: K? Now outside of that, the rest of the document basically just goes through beneficiary nomination, make sure that's up to date for Colonial, and just the reminders for the wills and the power of attorney, and then services and fees at the bottom.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: K? So what I was\n\nChannel 1: Yeah.\n\nChannel 0: gonna do is basically just walk you through that, answer any questions that you have, and then just sort of leave that with you to kind of read through, make sure you're comfortable,\n\nChannel 1: Yeah.\n\nChannel 0: ask any questions.\n\nChannel 1: I will, I guess, kinda read through it in terms of, like, you know, probably have to do another time, I guess, read through it a bit more carefully. And then, yeah,\n\nChannel 0: 100\n\nChannel 1: go\n\nChannel 0: percent.\n\nChannel 1: from there. Yep.\n\nChannel 0: One thing that I'll get you to do too is with the the Odoo sign that we've got, the purple buttons will actually bring you to a sign in section for this statement of advice and stamp the signature name and date on there, but you\n\nChannel 1: Yeah.\n\nChannel 0: can click through the documents. There should be some arrows there, and if you scroll at the bottom, it should say next document. So what you'll\n\nChannel 1: Yeah.\n\nChannel 0: be able to go through is after the statement of advice, there's the appendix with that rollback comparison for you so you can break down all the fees and performance and everything.\n\nChannel 1: Yeah.\n\nChannel 0: And then if you're happy with what we're thinking, then there's, like, the service agreement, tax file number, opt in, and a product disclosure statement after that.\n\nChannel 1: Yeah. Okay. Yeah. Yeah. Yeah.\n\nI guess, you know,\n\nChannel 0: Cool.\n\nChannel 1: at the moment, I just wanna make sure that Colonial is kept because of the insurance purposes. I don't wanna, you know, move away from Colonial at this stage. Yeah. K.\n\nChannel 0: One thing too, couple things to consider as well is, obviously, I never like recommending someone has two super funds because 99 times out of a 100, what's the point kind of thing. The only reason that you would run Netwealth in addition to Colonial is just to get access to all those extra investment options and features. It's a\n\nChannel 1: Yeah.\n\nChannel 0: bit more expensive. You've got your 700 options there. We could build all the fancy\n\nChannel 1: Yeah.\n\nChannel 0: ETFs in the world and make a really nice portfolio out of it, but you still pay that. I think it's hang on. Let me bring it up. I've got it in front of me. I think it's about $52 a year that they charge as, like, an account keeping fee for Colonial.\n\nThat's probably, like, the main drawback.\n\nChannel 1: Yeah. I guess yeah. That's fine. But, I mean, I guess, like, you know, for me to get income protection through another provider, it would be a lot more. Right?\n\nBecause I think income\n\nChannel 0: Yes.\n\nChannel 1: protection included in my Colonial super, and I'm not paying anything for that.\n\nChannel 0: I've got let me have a quick look at what we've noted down. Yeah. So there's the premiums for the Colonial is ridiculously affordable. It's $829 a year for\n\nChannel 1: Yeah.\n\nChannel 0: $400 of life and CBD, 8,000 a month worth of income protection,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: and that's a thirty day wait, which is perfectly standard. Like,\n\nChannel 1: Yeah.\n\nChannel 0: you're out for a month. Here you go, there's your monthly, and it'll\n\nChannel 1: Yeah.\n\nChannel 0: pay you for two years per injury. Anything more than two years, here's $400 for the tip of that.\n\nChannel 1: Yeah. Sorry. Anything more than two users? Well, sorry.\n\nChannel 0: So if you're like, let's say you're injured for more than two years, likely, what is you're probably not going back to work in most cases, so\n\nChannel 1: Yeah.\n\nChannel 0: then you'd probably qualify for the total disability lump sum, which is at\n\nChannel 1: The\n\nChannel 0: 400\n\nChannel 1: total\n\nChannel 0: thousand\n\nChannel 1: impairment.\n\nChannel 0: as well.\n\nChannel 1: Yeah. Okay. Yeah.\n\nChannel 0: Yeah. That's the one. So they kind\n\nChannel 1: Yeah.\n\nChannel 0: of go hand in hand. It's like, here's your short term, here's your long term.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. Okay.\n\nChannel 0: The other thing too is before like, read through it when you're comfortable, come back with any questions.\n\nChannel 1: Yeah.\n\nChannel 0: If you want to amend any of this at all, like, for example, if you just say, hey. Look. This all sounds great, but I would like to let it run for a year and see how it goes. We\n\nChannel 1: Yeah.\n\nChannel 0: don't have to roll funds across from Colonial.\n\nChannel 1: Yeah.\n\nChannel 0: We could you can write at the bottom of the document in the text box I've got for you.\n\nChannel 1: Yeah.\n\nChannel 0: Say, look, happy to go ahead with the investments as you've outlined, but\n\nChannel 1: Yeah.\n\nChannel 0: no rollover, and then\n\nChannel 1: Yeah.\n\nChannel 0: we can just let that go. Like, it's up to you.\n\nChannel 1: Yeah. Okay. Okay. Yeah. Because the rollover how much was the rollover again for\n\nChannel 0: So\n\nChannel 1: this\n\nChannel 0: the\n\nChannel 1: year?\n\nChannel 0: top up, we usually keep 10,000 minimum. It's at\n\nChannel 1: Yeah.\n\nChannel 0: 38, so it'd be 28.\n\nChannel 1: 28. Yeah. Okay. Yeah. Yeah.\n\nOkay. Alright. Yeah. I'll have a look at that, and I might I might okay. I think this time might choose not to do any rollover to see how you guys form.\n\nYeah. Yeah.\n\nChannel 0: Yep. Yeah. Absolutely.\n\nChannel 1: Okay.\n\nChannel 0: Like, it's one of the things that when you're paying the fees for the advice, totally fine to kind of let it run, proof\n\nChannel 1: Yeah.\n\nChannel 0: in the pudding kind of thing. If the\n\nChannel 1: Yeah.\n\nChannel 0: market goes up, I know what the returns are gonna be like. When the market\n\nChannel 1: Yeah.\n\nChannel 0: goes down, it's gonna be a bit rough because high growth. So when you get to that point, everything in Odoo sign is clickable. So you don't\n\nChannel 1: Yeah.\n\nChannel 0: just have to hit the button for it to stamp all the signatures. You can just click that box above the signature spot where it\n\nChannel 1: Yep.\n\nChannel 0: says, I've chosen to vary the recommendations, and then\n\nChannel 1: Mhmm.\n\nChannel 0: just type in, hey. Don't wanna go ahead with the wrong logo.\n\nChannel 1: Yeah. Okay. Alright.\n\nChannel 0: K.\n\nChannel 1: Okay.\n\nChannel 0: Alright.\n\nChannel 1: Alright.\n\nChannel 0: Is\n\nChannel 1: Well,\n\nChannel 0: there anything\n\nChannel 1: I'll review\n\nChannel 0: else I\n\nChannel 1: this.\n\nChannel 0: can help you with?\n\nChannel 1: No. Not at\n\nChannel 0: Yep.\n\nChannel 1: this stage. I'll review this and, yeah, we'll go from there.\n\nChannel 0: Easy. And look, if you have any further questions, like, you can obviously email the team,\n\nChannel 1: Yep.\n\nChannel 0: call in, and just book in for a quick chat with me.\n\nChannel 1: Go on.\n\nChannel 0: Just don't respond to the Odoo email because it's just part of that what do you call it? Like, DocuSign thing. It won't come\n\nChannel 1: Yeah.\n\nChannel 0: straight through to me.\n\nChannel 1: Okay. No worries.\n\nChannel 0: Cool. Alright,\n\nChannel 1: Okay.\n\nChannel 0: Janet. Look. I appreciate you taking the time, and it is a lot of information to read. So, again, any questions, just let us know.\n\nChannel 1: No worries. Cool. Thanks, bud.\n\nChannel 0: Awesome. Have a great night, mate. Cheers.\n\nChannel 1: Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.1999999,"end":1.68,"sentiment":"neutral","sentiment_score":0.04921789467334747},{"text":"Chen speaking.","start":1.68,"end":2.42,"sentiment":"neutral","sentiment_score":0.060993682593107224}],"sentiment":"neutral","sentiment_score":0.05706841995318731,"channel":1,"num_words":3,"start":1.1999999,"end":2.42},{"sentences":[{"text":"Good day, Shannon.","start":3.4399998,"end":4.16,"sentiment":"positive","sentiment_score":0.5081082582473755},{"text":"It's Tommy here, senior adviser of Roku, mate.","start":4.16,"end":6.3999996,"sentiment":"neutral","sentiment_score":0.2754708081483841},{"text":"How are you doing?","start":6.3999996,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.3021850436925888}],"sentiment":"neutral","sentiment_score":0.32912209431330364,"channel":0,"num_words":15,"start":3.4399998,"end":7.2999997},{"sentences":[{"text":"Yeah.","start":7.68,"end":7.9199996,"sentiment":"neutral","sentiment_score":0.29539740085601807},{"text":"Good.","start":7.9199996,"end":8.16,"sentiment":"positive","sentiment_score":0.5898265838623047},{"text":"Thanks, man.","start":8.16,"end":8.98,"sentiment":"positive","sentiment_score":0.7310363352298737}],"sentiment":"positive","sentiment_score":0.5868241637945175,"channel":1,"num_words":4,"start":7.68,"end":8.98},{"sentences":[{"text":"Fantastic to hear.","start":9.599999,"end":11.04,"sentiment":"positive","sentiment_score":0.8219093084335327},{"text":"I've got a bit of an updated document to send through to you","start":11.04,"end":15.28,"sentiment":"neutral","sentiment_score":0.3301030649588658}],"sentiment":"positive","sentiment_score":0.42231673561036587,"channel":0,"num_words":16,"start":9.599999,"end":15.28},{"sentences":[{"text":"Yep.","start":15.055,"end":15.555,"sentiment":"neutral","sentiment_score":0.2779589891433716}],"sentiment":"neutral","sentiment_score":0.2779589891433716,"channel":1,"num_words":1,"start":15.055,"end":15.555},{"sentences":[{"text":"today for our discussion with the super.","start":15.28,"end":18.395,"sentiment":"neutral","sentiment_score":0.23004832650933946},{"text":"Mate, can I just check security with you, and will you have access to your email today?","start":18.695,"end":23.755001,"sentiment":"neutral","sentiment_score":0.11477257837267484}],"sentiment":"neutral","sentiment_score":0.14839467157920203,"channel":0,"num_words":24,"start":15.28,"end":23.755001},{"sentences":[{"text":"Yes.","start":26.654999,"end":26.97,"sentiment":"neutral","sentiment_score":0.1568600982427597}],"sentiment":"neutral","sentiment_score":0.1568600982427597,"channel":1,"num_words":1,"start":26.654999,"end":26.97},{"sentences":[{"text":"Awesome.","start":28.31,"end":28.81,"sentiment":"positive","sentiment_score":0.37802058458328247},{"text":"So I registered with our ticket advisor 1273105.","start":29.029999,"end":32.97,"sentiment":"neutral","sentiment_score":0.17912311758846045},{"text":"Could I please just confirm your date of birth and 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protection.","start":284.55,"end":286.16998,"sentiment":"neutral","sentiment_score":-0.040601792931556704}],"sentiment":"neutral","sentiment_score":-0.040601792931556704,"channel":0,"num_words":5,"start":284.55,"end":286.16998},{"sentences":[{"text":"Yep.","start":286.845,"end":287.345,"sentiment":"neutral","sentiment_score":-0.0029426589608192444}],"sentiment":"neutral","sentiment_score":-0.0029426589608192444,"channel":1,"num_words":1,"start":286.845,"end":287.345},{"sentences":[{"text":"And risk profile ten and eleven, so high growth is obviously your risk profile.","start":287.75,"end":293.03,"sentiment":"neutral","sentiment_score":-0.15730950183102063},{"text":"We're not changing risk level at this point.","start":293.03,"end":295.21,"sentiment":"neutral","sentiment_score":-0.29671143367886543}],"sentiment":"neutral","sentiment_score":-0.2080011134120551,"channel":0,"num_words":22,"start":287.75,"end":295.21},{"sentences":[{"text":"Mhmm.","start":295.46,"end":295.96,"sentiment":"neutral","sentiment_score":0.07412393391132355}],"sentiment":"neutral","sentiment_score":0.07412393391132355,"channel":1,"num_words":1,"start":295.46,"end":295.96},{"sentences":[{"text":"Cool.","start":296.685,"end":296.925,"sentiment":"neutral","sentiment_score":0.2690846920013428},{"text":"And then if you go down to strategy recommendations, it's a pretty text heavy page there.","start":296.925,"end":301.025,"sentiment":"neutral","sentiment_score":0.1596858138218522}],"sentiment":"neutral","sentiment_score":0.16612104195005753,"channel":0,"num_words":17,"start":296.685,"end":301.025},{"sentences":[{"text":"Yep.","start":301.62,"end":301.995,"sentiment":"neutral","sentiment_score":0.276553750038147}],"sentiment":"neutral","sentiment_score":0.276553750038147,"channel":1,"num_words":1,"start":301.62,"end":301.995},{"sentences":[{"text":"So this is the ideal strategy that I've recommended, which is obviously I was talking to you about moving funds across from Colonial into Netwealth if you're happy with the plan going 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is,","start":315.4,"end":320.04,"sentiment":"neutral","sentiment_score":0.06869152357632463}],"sentiment":"neutral","sentiment_score":0.06869152357632463,"channel":0,"num_words":11,"start":315.4,"end":320.04},{"sentences":[{"text":"Mhmm.","start":319.95,"end":320.45,"sentiment":"neutral","sentiment_score":0.08285699039697647}],"sentiment":"neutral","sentiment_score":0.08285699039697647,"channel":1,"num_words":1,"start":319.95,"end":320.45},{"sentences":[{"text":"again, new investment option reduces the fees, get the performance back on track.","start":320.04,"end":325.595,"sentiment":"neutral","sentiment_score":0.16936189509355104},{"text":"I'm not projecting your retirement outcome because that's twenty years away, but I've just done","start":326.135,"end":331.015,"sentiment":"neutral","sentiment_score":-0.06473673631747563}],"sentiment":"neutral","sentiment_score":0.04395191398050104,"channel":0,"num_words":28,"start":320.04,"end":331.015},{"sentences":[{"text":"Yes.","start":330.835,"end":331.335,"sentiment":"neutral","sentiment_score":0.09643660485744476}],"sentiment":"neutral","sentiment_score":0.09643660485744476,"channel":1,"num_words":1,"start":330.835,"end":331.335},{"sentences":[{"text":"the updated ten year projection at this point.","start":331.015,"end":333.595,"sentiment":"neutral","sentiment_score":0.08706012601032853}],"sentiment":"neutral","sentiment_score":0.08706012601032853,"channel":0,"num_words":8,"start":331.015,"end":333.595},{"sentences":[{"text":"Yes.","start":334.275,"end":334.775,"sentiment":"neutral","sentiment_score":0.057986244559288025}],"sentiment":"neutral","sentiment_score":0.057986244559288025,"channel":1,"num_words":1,"start":334.275,"end":334.775},{"sentences":[{"text":"The other thing too is I'm just kind of putting in this document that I believe the switch of the Benelon option was in your best interest because it was underperforming overall time periods when we compared it.","start":335.52002,"end":347.415,"sentiment":"neutral","sentiment_score":-0.18950771952145978},{"text":"So that was definitely necessary to address.","start":347.655,"end":350.155,"sentiment":"neutral","sentiment_score":-0.3123236043112619}],"sentiment":"neutral","sentiment_score":-0.20861241271098455,"channel":0,"num_words":45,"start":335.52002,"end":350.155},{"sentences":[{"text":"Yeah.","start":352.18997,"end":352.68997,"sentiment":"neutral","sentiment_score":-0.05969882383942604}],"sentiment":"neutral","sentiment_score":-0.05969882383942604,"channel":1,"num_words":1,"start":352.18997,"end":352.68997},{"sentences":[{"text":"Keep going down.","start":353.73502,"end":354.535,"sentiment":"neutral","sentiment_score":-0.06655741607149442},{"text":"You'll see insurances to be retained in Colonial there on '13.","start":354.535,"end":358.155,"sentiment":"neutral","sentiment_score":-0.023874381387775593}],"sentiment":"neutral","sentiment_score":-0.0330207459628582,"channel":0,"num_words":14,"start":353.73502,"end":358.155},{"sentences":[{"text":"Mhmm.","start":359.325,"end":359.825,"sentiment":"neutral","sentiment_score":-0.019748011603951458}],"sentiment":"neutral","sentiment_score":-0.019748011603951458,"channel":1,"num_words":1,"start":359.325,"end":359.825},{"sentences":[{"text":"Advantages and disadvantages on '14, which is basically just, again, performance and fees.","start":359.33502,"end":364.77002,"sentiment":"neutral","sentiment_score":-0.05552906371079958},{"text":"The disadvantage is obviously having two super funds to pay the two fees.","start":364.99002,"end":369.89,"sentiment":"neutral","sentiment_score":-0.18478301282112414},{"text":"And for all of our investments","start":370.19,"end":372.27002,"sentiment":"neutral","sentiment_score":-0.024951569736003876}],"sentiment":"neutral","sentiment_score":-0.10230520041659474,"channel":0,"num_words":32,"start":359.33502,"end":372.27002},{"sentences":[{"text":"Yep.","start":372.25,"end":372.75,"sentiment":"neutral","sentiment_score":0.014637242071330547}],"sentiment":"neutral","sentiment_score":0.014637242071330547,"channel":1,"num_words":1,"start":372.25,"end":372.75},{"sentences":[{"text":"that we recommend, they're all ETFs.","start":372.27002,"end":374.37003,"sentiment":"neutral","sentiment_score":0.028232808380077284},{"text":"So there's always brokerage to purchase them to get","start":374.51,"end":377.445,"sentiment":"neutral","sentiment_score":0.05283680930733681}],"sentiment":"neutral","sentiment_score":0.042995208936433,"channel":0,"num_words":15,"start":372.27002,"end":377.445},{"sentences":[{"text":"Yep.","start":377.37,"end":377.87,"sentiment":"neutral","sentiment_score":0.07501436769962311}],"sentiment":"neutral","sentiment_score":0.07501436769962311,"channel":1,"num_words":1,"start":377.37,"end":377.87},{"sentences":[{"text":"that lower fee ongoing.","start":377.445,"end":378.82498,"sentiment":"neutral","sentiment_score":0.07873995415866375},{"text":"Makes sense?","start":379.04498,"end":379.785,"sentiment":"neutral","sentiment_score":0.0746065266430378},{"text":"Cool.","start":381.125,"end":381.525,"sentiment":"neutral","sentiment_score":0.10835862159729004},{"text":"Now comparisons wise, can you please go to the tables on page sixteen and seventeen for me?","start":381.525,"end":386.905,"sentiment":"neutral","sentiment_score":0.057990546612178576}],"sentiment":"neutral","sentiment_score":0.06493211599687736,"channel":0,"num_words":24,"start":377.445,"end":386.905},{"sentences":[{"text":"Yep.","start":387.205,"end":387.705,"sentiment":"neutral","sentiment_score":0.05665133520960808}],"sentiment":"neutral","sentiment_score":0.05665133520960808,"channel":1,"num_words":1,"start":387.205,"end":387.705},{"sentences":[{"text":"So this is what was done.","start":388.725,"end":390.65,"sentiment":"neutral","sentiment_score":0.07587746034065883},{"text":"Benelon was switched to the a 200 ETF.","start":390.65,"end":393.79,"sentiment":"neutral","sentiment_score":0.040321024134755135},{"text":"That's what happened previously.","start":394.25,"end":395.71,"sentiment":"neutral","sentiment_score":0.04313385859131813},{"text":"Now with the table below that, we've got your colonial listed.","start":396.57,"end":401.95,"sentiment":"neutral","sentiment_score":0.04915311229838566},{"text":"We've got your Netwealth portfolio listed with all of the options including that a 200 as well.","start":402.01,"end":409.315,"sentiment":"neutral","sentiment_score":0.14399760523263147}],"sentiment":"neutral","sentiment_score":0.08563069377661399,"channel":0,"num_words":46,"start":388.725,"end":409.315},{"sentences":[{"text":"Okay.","start":412.435,"end":412.935,"sentiment":"neutral","sentiment_score":0.07012008130550385}],"sentiment":"neutral","sentiment_score":0.07012008130550385,"channel":1,"num_words":1,"start":412.435,"end":412.935},{"sentences":[{"text":"The third table is the model portfolio, which is basically what we keep rebalancing it to.","start":412.57498,"end":419.55,"sentiment":"neutral","sentiment_score":0.06866018171422184},{"text":"So if some of them go up and some of them go down, we would keep bringing it back to that original weighting.","start":419.62997,"end":425.88998,"sentiment":"neutral","sentiment_score":0.031794857476716454},{"text":"So,","start":426.59,"end":426.75,"sentiment":"neutral","sentiment_score":0.10397786647081377}],"sentiment":"neutral","sentiment_score":0.04834556239657104,"channel":0,"num_words":40,"start":412.57498,"end":426.75},{"sentences":[{"text":"Yep.","start":426.62,"end":427.12,"sentiment":"neutral","sentiment_score":0.0929260477423668}],"sentiment":"neutral","sentiment_score":0.0929260477423668,"channel":1,"num_words":1,"start":426.62,"end":427.12},{"sentences":[{"text":"you know, buy low to sell high.","start":426.75,"end":428.69,"sentiment":"neutral","sentiment_score":0.06101150651063238},{"text":"K.","start":431.31,"end":431.81,"sentiment":"neutral","sentiment_score":0.030362186953425407},{"text":"Last couple of sort of details pages before the comparison.","start":432.27,"end":435.73502,"sentiment":"neutral","sentiment_score":0.037211147509515284},{"text":"Asset allocation on 18, colored pie chart there.","start":436.355,"end":440.215,"sentiment":"neutral","sentiment_score":0.033276224974542856},{"text":"Main thing here is the middle row in gray, growth total.","start":441.155,"end":446.05502,"sentiment":"neutral","sentiment_score":0.06718275628306648}],"sentiment":"neutral","sentiment_score":0.04958849531170484,"channel":0,"num_words":37,"start":426.75,"end":446.05502},{"sentences":[{"text":"So for high growth, you're bouncing between 19 to a 100% in growth assets like shares, property, and gold.","start":446.29,"end":453.49,"sentiment":"neutral","sentiment_score":0.1653390009152262},{"text":"Does that ring a bell?","start":453.49,"end":454.63,"sentiment":"neutral","sentiment_score":0.13642111867666246},{"text":"Cool.","start":456.69,"end":457.19,"sentiment":"positive","sentiment_score":0.354661226272583},{"text":"Alright.","start":457.41,"end":457.89,"sentiment":"neutral","sentiment_score":0.24968264997005463},{"text":"Comparisons for you.","start":457.89,"end":459.01,"sentiment":"neutral","sentiment_score":0.2055013378461202}],"sentiment":"neutral","sentiment_score":0.1739446379501244,"channel":0,"num_words":29,"start":446.29,"end":459.01},{"sentences":[{"text":"Here we go.","start":459.01,"end":459.91,"sentiment":"neutral","sentiment_score":0.12673284113407135},{"text":"Nineteen and twenty are your comparisons, sir.","start":460.355,"end":463.495,"sentiment":"neutral","sentiment_score":0.1404332390853337},{"text":"So can you see the first fee comparison on page 19 for me?","start":463.795,"end":467.73502,"sentiment":"neutral","sentiment_score":0.07195317573272265}],"sentiment":"neutral","sentiment_score":0.09994010789238889,"channel":0,"num_words":23,"start":459.01,"end":467.73502},{"sentences":[{"text":"First, for you, 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on.","start":479.69,"end":482.27002,"sentiment":"neutral","sentiment_score":0.05034820064902305},{"text":"I've put down there in color coding for you the performance comparison between the three, just like I promised,","start":482.33002,"end":488.51,"sentiment":"neutral","sentiment_score":0.058845536489235725}],"sentiment":"neutral","sentiment_score":0.05288241210986267,"channel":0,"num_words":55,"start":472.035,"end":488.51},{"sentences":[{"text":"No.","start":488.065,"end":488.565,"sentiment":"neutral","sentiment_score":-0.017885804176330566}],"sentiment":"neutral","sentiment_score":-0.017885804176330566,"channel":1,"num_words":1,"start":488.065,"end":488.565},{"sentences":[{"text":"which is there's your colonial over one, five, and 10.","start":489.01498,"end":492.555,"sentiment":"neutral","sentiment_score":-0.004270625300705433},{"text":"There's what your network was doing based on having Benelon inside it.","start":492.935,"end":497.91498,"sentiment":"neutral","sentiment_score":0.0444659615556399},{"text":"And then on the right hand side, this is your updated portfolio.","start":497.975,"end":501.675,"sentiment":"neutral","sentiment_score":0.03929709751779834}],"sentiment":"neutral","sentiment_score":0.028307366349241313,"channel":0,"num_words":34,"start":489.01498,"end":501.675},{"sentences":[{"text":"Mhmm.","start":508.28,"end":508.76,"sentiment":"neutral","sentiment_score":0.015576054342091084},{"text":"So one year CFS 14.09.","start":508.76,"end":512.965,"sentiment":"neutral","sentiment_score":0.011428728327155113},{"text":"Net worth original portfolio was 1.071.","start":513.665,"end":517.365,"sentiment":"neutral","sentiment_score":0.01335279488315185}],"sentiment":"neutral","sentiment_score":0.012736372106398145,"channel":1,"num_words":12,"start":508.28,"end":517.365},{"sentences":[{"text":"Correct.","start":519.505,"end":519.825,"sentiment":"neutral","sentiment_score":0.0911073088645935},{"text":"So if you kept it in better long going forward, that's the twelve year, five year, and ten 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recommended.","start":586.9,"end":587.96,"sentiment":"neutral","sentiment_score":-0.017127541825175285},{"text":"Yeah.","start":588.02,"end":588.52,"sentiment":"neutral","sentiment_score":0.07944492995738983}],"sentiment":"neutral","sentiment_score":0.007015576120465994,"channel":1,"num_words":4,"start":586.9,"end":588.52},{"sentences":[{"text":"yep.","start":589.29,"end":589.79,"sentiment":"neutral","sentiment_score":0.06352046877145767},{"text":"So what this is basically showing is all three mixed in, which is again Netwealth previously, Colonial currently versus what we're thinking.","start":590.25,"end":599.595,"sentiment":"neutral","sentiment_score":0.009480862073938955},{"text":"The big thing here is if you go to the investment fee row, second row in that middle section,","start":600.375,"end":607.035,"sentiment":"neutral","sentiment_score":0.05562892830685565}],"sentiment":"neutral","sentiment_score":0.03164402552924696,"channel":0,"num_words":42,"start":589.29,"end":607.035},{"sentences":[{"text":"Yep.","start":607.88995,"end":608.38995,"sentiment":"neutral","sentiment_score":0.10754275321960448}],"sentiment":"neutral","sentiment_score":0.10754275321960448,"channel":1,"num_words":1,"start":607.88995,"end":608.38995},{"sentences":[{"text":"The fees with the a 200 mixed in pretty much drops it from 1,400 to 400.","start":609.3,"end":615.96,"sentiment":"neutral","sentiment_score":-0.1104744803160429},{"text":"The Benelon was a lot more expensive.","start":617.94,"end":620.12,"sentiment":"negative","sentiment_score":-0.5663020866257804}],"sentiment":"neutral","sentiment_score":-0.24920462136683258,"channel":0,"num_words":23,"start":609.3,"end":620.12},{"sentences":[{"text":"Man, 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logo.","start":1044.515,"end":1046.43,"sentiment":"neutral","sentiment_score":-0.10568416863679886}],"sentiment":"neutral","sentiment_score":-0.08017095923423767,"channel":0,"num_words":12,"start":1043.555,"end":1046.43},{"sentences":[{"text":"Yeah.","start":1046.86,"end":1047.34,"sentiment":"neutral","sentiment_score":0.01844853162765503},{"text":"Okay.","start":1047.34,"end":1047.735,"sentiment":"neutral","sentiment_score":0.04453270137310028},{"text":"Alright.","start":1049.1749,"end":1049.6749,"sentiment":"neutral","sentiment_score":0.07870198786258698}],"sentiment":"neutral","sentiment_score":0.04722774028778076,"channel":1,"num_words":3,"start":1046.86,"end":1049.6749},{"sentences":[{"text":"K.","start":1049.55,"end":1050.05,"sentiment":"neutral","sentiment_score":0.06815461814403534}],"sentiment":"neutral","sentiment_score":0.06815461814403534,"channel":0,"num_words":1,"start":1049.55,"end":1050.05},{"sentences":[{"text":"Okay.","start":1051.655,"end":1051.975,"sentiment":"neutral","sentiment_score":0.10528358817100524}],"sentiment":"neutral","sentiment_score":0.10528358817100524,"channel":1,"num_words":1,"start":1051.655,"end":1051.975},{"sentences":[{"text":"Alright.","start":1051.7101,"end":1052.2101,"sentiment":"neutral","sentiment_score":0.14180713891983032}],"sentiment":"neutral","sentiment_score":0.14180713891983032,"channel":0,"num_words":1,"start":1051.7101,"end":1052.2101},{"sentences":[{"text":"Alright.","start":1051.975,"end":1052.295,"sentiment":"neutral","sentiment_score":0.15694159269332886}],"sentiment":"neutral","sentiment_score":0.15694159269332886,"channel":1,"num_words":1,"start":1051.975,"end":1052.295},{"sentences":[{"text":"Is","start":1052.27,"end":1052.43,"sentiment":"neutral","sentiment_score":0.127724289894104}],"sentiment":"neutral","sentiment_score":0.127724289894104,"channel":0,"num_words":1,"start":1052.27,"end":1052.43},{"sentences":[{"text":"Well,","start":1052.295,"end":1052.615,"sentiment":"neutral","sentiment_score":0.14175310730934143}],"sentiment":"neutral","sentiment_score":0.14175310730934143,"channel":1,"num_words":1,"start":1052.295,"end":1052.615},{"sentences":[{"text":"there anything","start":1052.43,"end":1052.91,"sentiment":"neutral","sentiment_score":0.16782302409410477}],"sentiment":"neutral","sentiment_score":0.16782302409410477,"channel":0,"num_words":2,"start":1052.43,"end":1052.91},{"sentences":[{"text":"I'll review","start":1052.615,"end":1053.1749,"sentiment":"neutral","sentiment_score":0.13448117673397064}],"sentiment":"neutral","sentiment_score":0.13448117673397064,"channel":1,"num_words":2,"start":1052.615,"end":1053.1749},{"sentences":[{"text":"else I","start":1052.91,"end":1053.31,"sentiment":"neutral","sentiment_score":0.15550145506858826}],"sentiment":"neutral","sentiment_score":0.15550145506858826,"channel":0,"num_words":2,"start":1052.91,"end":1053.31},{"sentences":[{"text":"this.","start":1053.1749,"end":1053.6749,"sentiment":"neutral","sentiment_score":0.1479043960571289}],"sentiment":"neutral","sentiment_score":0.1479043960571289,"channel":1,"num_words":1,"start":1053.1749,"end":1053.6749},{"sentences":[{"text":"can help you with?","start":1053.31,"end":1054.4501,"sentiment":"neutral","sentiment_score":0.11380366235971451}],"sentiment":"neutral","sentiment_score":0.11380366235971451,"channel":0,"num_words":4,"start":1053.31,"end":1054.4501},{"sentences":[{"text":"No.","start":1054.615,"end":1054.855,"sentiment":"neutral","sentiment_score":-0.12806402146816254},{"text":"Not at","start":1054.855,"end":1055.1749,"sentiment":"neutral","sentiment_score":-0.09051037207245827}],"sentiment":"neutral","sentiment_score":-0.1030282552043597,"channel":1,"num_words":3,"start":1054.615,"end":1055.1749},{"sentences":[{"text":"Yep.","start":1055.0701,"end":1055.5701,"sentiment":"neutral","sentiment_score":-0.07577571272850037}],"sentiment":"neutral","sentiment_score":-0.07577571272850037,"channel":0,"num_words":1,"start":1055.0701,"end":1055.5701},{"sentences":[{"text":"this stage.","start":1055.1749,"end":1055.835,"sentiment":"neutral","sentiment_score":-0.151292584836483},{"text":"I'll review this and, yeah, we'll go from there.","start":1056.215,"end":1059.115,"sentiment":"neutral","sentiment_score":0.05471638714273771}],"sentiment":"neutral","sentiment_score":0.01726021041924303,"channel":1,"num_words":11,"start":1055.1749,"end":1059.115},{"sentences":[{"text":"Easy.","start":1060.365,"end":1060.6849,"sentiment":"neutral","sentiment_score":0.2991500496864319},{"text":"And look, if you have any further questions, like, you can obviously email the team,","start":1060.6849,"end":1065.105,"sentiment":"neutral","sentiment_score":0.26712930103143057}],"sentiment":"neutral","sentiment_score":0.26913059782236814,"channel":0,"num_words":16,"start":1060.365,"end":1065.105},{"sentences":[{"text":"Yep.","start":1065.83,"end":1066.33,"sentiment":"neutral","sentiment_score":0.22385826706886292}],"sentiment":"neutral","sentiment_score":0.22385826706886292,"channel":1,"num_words":1,"start":1065.83,"end":1066.33},{"sentences":[{"text":"call in, and just book in for a quick chat with me.","start":1065.8849,"end":1068.3049,"sentiment":"neutral","sentiment_score":0.23472782472769418}],"sentiment":"neutral","sentiment_score":0.23472782472769418,"channel":0,"num_words":12,"start":1065.8849,"end":1068.3049},{"sentences":[{"text":"Go on.","start":1068.71,"end":1069.29,"sentiment":"neutral","sentiment_score":0.043343422934412956}],"sentiment":"neutral","sentiment_score":0.043343422934412956,"channel":1,"num_words":2,"start":1068.71,"end":1069.29},{"sentences":[{"text":"Just don't respond to the Odoo email because it's just part of that what do you call it?","start":1069.005,"end":1074.12,"sentiment":"neutral","sentiment_score":-0.16599659787284005},{"text":"Like, DocuSign thing.","start":1074.12,"end":1075.3201,"sentiment":"neutral","sentiment_score":-0.08275870482126872},{"text":"It won't come","start":1075.3201,"end":1076.04,"sentiment":"neutral","sentiment_score":-0.15385555227597555}],"sentiment":"neutral","sentiment_score":-0.15407423054178557,"channel":0,"num_words":24,"start":1069.005,"end":1076.04},{"sentences":[{"text":"Yeah.","start":1075.825,"end":1076.325,"sentiment":"neutral","sentiment_score":-0.004510963335633278}],"sentiment":"neutral","sentiment_score":-0.004510963335633278,"channel":1,"num_words":1,"start":1075.825,"end":1076.325},{"sentences":[{"text":"straight through to me.","start":1076.04,"end":1077.1,"sentiment":"neutral","sentiment_score":0.02220010757446289}],"sentiment":"neutral","sentiment_score":0.02220010757446289,"channel":0,"num_words":4,"start":1076.04,"end":1077.1},{"sentences":[{"text":"Okay.","start":1077.345,"end":1077.825,"sentiment":"neutral","sentiment_score":0.06739550828933716},{"text":"No worries.","start":1077.825,"end":1078.485,"sentiment":"neutral","sentiment_score":0.14271270111203194}],"sentiment":"neutral","sentiment_score":0.11760697017113368,"channel":1,"num_words":3,"start":1077.345,"end":1078.485},{"sentences":[{"text":"Cool.","start":1080.28,"end":1080.76,"sentiment":"positive","sentiment_score":0.37495410442352295},{"text":"Alright,","start":1080.76,"end":1081.16,"sentiment":"neutral","sentiment_score":0.22344057261943817}],"sentiment":"neutral","sentiment_score":0.29919733852148056,"channel":0,"num_words":2,"start":1080.28,"end":1081.16},{"sentences":[{"text":"Okay.","start":1081.105,"end":1081.605,"sentiment":"neutral","sentiment_score":0.2646690905094147}],"sentiment":"neutral","sentiment_score":0.2646690905094147,"channel":1,"num_words":1,"start":1081.105,"end":1081.605},{"sentences":[{"text":"Janet.","start":1081.16,"end":1081.56,"sentiment":"neutral","sentiment_score":0.19583401083946228},{"text":"Look.","start":1081.56,"end":1081.72,"sentiment":"positive","sentiment_score":0.3860388696193695},{"text":"I appreciate you taking the time, and it is a lot of information to read.","start":1081.72,"end":1086.2001,"sentiment":"positive","sentiment_score":0.7089113434155782},{"text":"So, again, any questions, just let us know.","start":1086.2001,"end":1088.4149,"sentiment":"neutral","sentiment_score":0.2984671425074339}],"sentiment":"positive","sentiment_score":0.544131206870079,"channel":0,"num_words":25,"start":1081.16,"end":1088.4149},{"sentences":[{"text":"No worries.","start":1088.635,"end":1089.195,"sentiment":"neutral","sentiment_score":0.2818194031715393},{"text":"Cool.","start":1089.195,"end":1089.515,"sentiment":"positive","sentiment_score":0.6185997724533081},{"text":"Thanks, bud.","start":1089.515,"end":1090.255,"sentiment":"positive","sentiment_score":0.7798929810523987}],"sentiment":"positive","sentiment_score":0.5484049081802368,"channel":1,"num_words":5,"start":1088.635,"end":1090.255},{"sentences":[{"text":"Awesome.","start":1091.1349,"end":1091.6149,"sentiment":"positive","sentiment_score":0.8520317673683167},{"text":"Have a great night, mate.","start":1091.6149,"end":1092.4949,"sentiment":"positive","sentiment_score":0.8250752091407776},{"text":"Cheers.","start":1092.4949,"end":1092.9949,"sentiment":"positive","sentiment_score":0.7152498960494995}],"sentiment":"positive","sentiment_score":0.8132368155888149,"channel":0,"num_words":7,"start":1091.1349,"end":1092.9949},{"sentences":[{"text":"Thanks.","start":1092.955,"end":1093.355,"sentiment":"positive","sentiment_score":0.710570216178894},{"text":"Bye.","start":1093.355,"end":1093.855,"sentiment":"neutral","sentiment_score":-0.11724451929330826}],"sentiment":"neutral","sentiment_score":0.2966628484427929,"channel":1,"num_words":2,"start":1092.955,"end":1093.855}]},"summary":{"result":"success","short":"During a conversation between Roku's senior adviser Tommy and Shannon, they discuss various sections of their updated document, including financial services guide and additional research. They also provide projections for retirement goals and fees for Shannon's current plan. The speaker emphasizes the importance of keeping beneficiaries and covering insurance for maximum benefits, as well as the affordability of Colonial and the benefits of income protection for the customer. They also discuss fees and performance for various services and provide guidance on navigating the documents and wills. The speaker emphasizes the importance of keeping beneficiaries and covering insurance for maximum benefits and offers assistance with any further questions."},"intents":{"segments":[{"text":"Mate, can I just check security with you, and will you have access to your email today? Yes. Awesome.","start_word":46,"end_word":64,"intents":[{"intent":"Request security information","confidence_score":0.0022464776}]},{"text":"So I registered with our ticket advisor 1273105. Could I please just confirm your date of birth and address?","start_word":65,"end_word":83,"intents":[{"intent":"Provide information","confidence_score":0.17189819},{"intent":"Provide information","confidence_score":0.070143454},{"intent":"Confirm identity","confidence_score":0.010951425}]},{"text":"So I registered with our ticket advisor 1273105. Could I please just confirm your date of birth and address? Twenty to the seventh, nine ninety five. 10 Gould Sensational. Thank you for Street, that, mate. And are you okay for the call to be recorded? Seabedown. Sure. That's fine. Perfect.","start_word":65,"end_word":114,"intents":[{"intent":"Confirm understanding","confidence_score":0.0018000988}]},{"text":"Could I please just confirm your date of birth and address?","start_word":73,"end_word":83,"intents":[{"intent":"Confirm date of birth","confidence_score":0.045205727}]},{"text":"And are you okay for the call to be recorded? Seabedown.","start_word":100,"end_word":110,"intents":[{"intent":"Specify call recording","confidence_score":0.0034928226}]},{"text":"So where we left off last time, mate, is we were talking about the super, and you wanted a bit of a comparison between the Netwealth and the Colonial First State as well as some, Yep. like, projections, like how the last twelve months gone and some projections going forward about whether you were staying, moving back to Colonial first state, that kind of thing. Yeah.","start_word":116,"end_word":181,"intents":[{"intent":"Offer comparison","confidence_score":0.03700264}]},{"text":"So this first document is the updated plan with all the comparisons and everything. Yep. And the next document after this is like an appendix with extra research, and that's got also a projection with if you roll back to Colonial First Aid as well. Okay.","start_word":288,"end_word":333,"intents":[{"intent":"Explain plans","confidence_score":0.0029415481}]},{"text":"So if you have a little scroll through the page four for me, I'll just quickly touch on the scope of advice heading again. Yep.","start_word":336,"end_word":360,"intents":[{"intent":"Provide information","confidence_score":0.012329462}]},{"text":"So if you have a little scroll through the page four for me, I'll just quickly touch on the scope of advice heading again. Yep. Cool.","start_word":336,"end_word":361,"intents":[{"intent":"Provide guidance","confidence_score":0.001292783},{"intent":"Provide advice","confidence_score":0.10276796}]},{"text":"you've been running these two super funds for quite a while. You wanted to obviously compare them to see what the best option was for you. And Yeah.","start_word":377,"end_word":404,"intents":[{"intent":"Compare super funds","confidence_score":0.1748246}]},{"text":"if you remember, we went through there was a bit of an update to your portfolio around the time of our last discussion.","start_word":405,"end_word":427,"intents":[{"intent":"Update portfolio","confidence_score":0.4572226},{"intent":"Update portfolio","confidence_score":0.0155193405}]},{"text":"I have factored in the premiums for the insurances that are through the super, but we're not Yep. giving you any insurance advice for that. Cool.","start_word":516,"end_word":541,"intents":[{"intent":"Specify insurance premiums","confidence_score":0.000021912474}]},{"text":"you could just have a quick look for me at the about you section and the Yep. assets and liabilities after that.","start_word":625,"end_word":646,"intents":[{"intent":"Check asset status","confidence_score":0.0056595523}]},{"text":"The other thing too is I'm just kind of putting in this document that I believe the switch of the Benelon option was in your best interest because it was underperforming overall time periods when we compared it. So that was definitely necessary to address. Yeah. Keep going down.","start_word":856,"end_word":904,"intents":[{"intent":"Recommend switch","confidence_score":0.0032502925}]},{"text":"The third table is the model portfolio, which is basically what we keep rebalancing it to. So if some of them go up and some of them go down, we would keep bringing it back to that original weighting. So, Yep.","start_word":1038,"end_word":1078,"intents":[{"intent":"Adjust portfolio weight","confidence_score":0.0010776423},{"intent":"Rebalancing portfolio","confidence_score":0.008856654}]},{"text":"So for high growth, you're bouncing between 19 to a 100% in growth assets like shares, property, and gold. Does that ring a bell? Cool.","start_word":1116,"end_word":1140,"intents":[{"intent":"Identify high growth and growth assets","confidence_score":0.00041515642}]},{"text":"Comparisons for you. Here we go. Nineteen and twenty are your comparisons, sir.","start_word":1142,"end_word":1154,"intents":[{"intent":"Comparing portfolios","confidence_score":0.12070435},{"intent":"Comparing portfolios","confidence_score":0.06960241},{"intent":"Comparing portfolios","confidence_score":0.3027307}]},{"text":"Main thing for you, though, is Colonial is pretty low on fees. They've got that small flat fee, 0.04 admin fee, 9% returns over five years, which is what we use for our comparison with the five year middle. High growth, you want double digits as much as you can. They've been doing pretty good. 9% of the five years is pretty good. That's their life stage option. Yeah.","start_word":1304,"end_word":1372,"intents":[{"intent":"Discussing fees and performance","confidence_score":0.0130675435}]},{"text":"And then if you go down one more page for me, this is pretty much what you were doing, what we've moved you into, what I'm thinking, as well as an updated projection there as well.","start_word":1374,"end_word":1409,"intents":[{"intent":"Report projections","confidence_score":0.0003006204},{"intent":"Explain projections","confidence_score":0.07774894}]},{"text":"And then if you go down one more page for me, this is pretty much what you were doing, what we've moved you into, what I'm thinking, as well as an updated projection there as well. Mhmm.","start_word":1374,"end_word":1410,"intents":[{"intent":"Explain explanation","confidence_score":0.019382693}]},{"text":"Now can you see where I've got that quite long heading? Previous portfolio versus current and recommended Previous versus on current and recommended. Yeah.","start_word":1411,"end_word":1434,"intents":[{"intent":"Track investments","confidence_score":0.00087784295}]},{"text":"Previous portfolio versus current and recommended Previous versus on current and recommended.","start_word":1422,"end_word":1433,"intents":[{"intent":"Compare projections","confidence_score":0.0018183307}]},{"text":"Previous portfolio versus current and recommended Previous versus on current and recommended. Yeah. yep. So what this is basically showing is all three mixed in, which is again Netwealth previously, Colonial currently versus what we're thinking.","start_word":1422,"end_word":1457,"intents":[{"intent":"Discuss topics","confidence_score":0.00039548162}]},{"text":"The big thing here is if you go to the investment fee row, second row in that middle section, Yep. The fees with the a 200 mixed in pretty much drops it from 1,400 to 400.","start_word":1458,"end_word":1493,"intents":[{"intent":"Discuss investments","confidence_score":0.011456209}]},{"text":"So, again, bit of grain of salt on the projections there. That's just based on the average returns at the bottom there. So the previous Netwealth and the Colonial averaged out to about seven. The new ones averaging out about that 12, factoring in keeping the Colonial investment going for the insurances. And Yep.","start_word":1613,"end_word":1666,"intents":[{"intent":"Analyze average returns","confidence_score":0.007965417}]},{"text":"can click through the documents. There should be some arrows there, and if you scroll at the bottom, it should say next document.","start_word":1857,"end_word":1879,"intents":[{"intent":"Guide document navigation","confidence_score":0.21271478}]},{"text":"I think it's about $52 a year that they charge as, like, an account keeping fee for Colonial. That's probably, like, the main drawback. Yeah.","start_word":2097,"end_word":2121,"intents":[{"intent":"Clarify portfolio fees","confidence_score":0.0013394372}]},{"text":"Say, look, happy to go ahead with the investments as you've outlined, but Yeah. no rollover, and then Yeah. we can just let that go. Like, it's up to you. Yeah. Okay.","start_word":2435,"end_word":2466,"intents":[{"intent":"Evaluate investment options","confidence_score":0.07056118}]}]},"sentiments":{"segments":[{"text":"Hello. Chen speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.05695641040802002},{"text":"Good day, Shannon.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.5090181231498718},{"text":"It's Tommy here, senior adviser of Roku, mate. How are you doing? Yeah.","start_word":6,"end_word":18,"sentiment":"neutral","sentiment_score":0.2970042824745178},{"text":"Good. Thanks, man. Fantastic to hear.","start_word":19,"end_word":24,"sentiment":"positive","sentiment_score":0.7342932820320129},{"text":"I've got a bit of an updated document to send through to you Yep. today for our discussion with the super. Mate, can I just check security with you, and will you have access to your email today? Yes.","start_word":25,"end_word":63,"sentiment":"neutral","sentiment_score":0.21684780716896057},{"text":"Awesome.","start_word":64,"end_word":64,"sentiment":"positive","sentiment_score":0.37802058458328247},{"text":"So I registered with our ticket advisor 1273105. Could I please just confirm your date of birth and address? Twenty to the seventh, nine ninety five. 10 Gould Sensational.","start_word":65,"end_word":93,"sentiment":"neutral","sentiment_score":0.09712925553321838},{"text":"Thank you for Street, that, mate.","start_word":94,"end_word":99,"sentiment":"positive","sentiment_score":0.4186673164367676},{"text":"And are you okay for the call to be recorded? Seabedown. Sure. That's fine.","start_word":100,"end_word":113,"sentiment":"neutral","sentiment_score":0.1425325721502304},{"text":"Perfect. Perfect.","start_word":114,"end_word":115,"sentiment":"positive","sentiment_score":0.5084174275398254},{"text":"So where we left off last time, mate, is we were talking about the super, and you wanted a bit of a comparison between the Netwealth and the Colonial First State as well as some, Yep. like, projections, like how the last twelve months gone and some projections going forward about whether you were staying, moving back to Colonial first state, that kind of thing. Yeah. Yep. Awesome. So in the advice document that I'm sending through to you, I've got essentially what my recommendations are, but I've included some extra projections there for you. So there'll be a few different tables to run through together. Just Okay. let me know when you've gotten that email okay, and you should see there's some basic attachments at the bottom, like financial services guide. But if Yeah. you go into that sign button, it'll bring up all the documents for us to go through together. And it should look like a nice Gold Coast beachfront Yeah. city picture. Yep. Got that one? Yep. Beauty. So this first document is the updated plan with all the comparisons and everything. Yep. And the next document after this is like an appendix with extra research, and that's got also a projection with if you roll back to Colonial First Aid as well. Okay. Cool. So if you have a little scroll through the page four for me, I'll just quickly touch on the scope of advice heading again. Yep.","start_word":116,"end_word":359,"sentiment":"neutral","sentiment_score":0.11995530281154836},{"text":"Cool.","start_word":360,"end_word":360,"sentiment":"positive","sentiment_score":0.43415695428848267},{"text":"So the main thing here, we had the retirement goal, but the main thing was Mhmm. you've been running these two super funds for quite a while. You wanted to obviously compare them to see what the best option was for you. And Yeah. if you remember, we went through there was a bit of an update to your portfolio around the time of our last discussion. Does that ring Mhmm. a bell? Yeah. Kind of. Yeah. Yep. So that was there was a replacement of that Benelon option that was not performing well with the replacement Australian shares option. So Yeah. what I'm basically putting into this document is Colonial, what Netwealth was doing, what it currently is doing, just so you can see all three. Sure. Cool? After that, estate planning, we're just touching on wills and powers of attorney and beneficiary nominations to make sure that's all up to date. And Mhmm. I have factored in the premiums for the insurances that are through the super, but we're not Yep. giving you any insurance advice for that. Cool. As far as what's not covered in this document, which is page four and five, I'm obviously not giving you budgeting and debt advice. You're obviously focusing on your your mortgage repayments and the construction of investment properties and so on. That's not something that you wanted Yep. for this document. Go past there, you'll see limited advice warning. Again, this isn't touching on everything under the sun. If any of the info we've got incorrect, that obviously impacts the advice. If Yep. you could just have a quick look for me at the about you section and the Yep. assets and liabilities after that. Yep. Email and phone number is correct. Production manager, 118,000. That's all correct? Yes. The income's $1.40 now. Yep. $1.40 now.","start_word":361,"end_word":667,"sentiment":"neutral","sentiment_score":-0.025944648310542107},{"text":"Fantastic.","start_word":668,"end_word":668,"sentiment":"positive","sentiment_score":0.519180953502655},{"text":"Just to Yep. make a quick note of that. The assets, we had the property and the two cars. Yep.","start_word":669,"end_word":688,"sentiment":"neutral","sentiment_score":0.12078867852687836},{"text":"That's still correct.","start_word":689,"end_word":691,"sentiment":"positive","sentiment_score":0.37983864545822144},{"text":"Sensational. And you've got the net wealth and the colonial listed there. That's sort of the most recent balances that we've got. Today, a little bit different with unit prices. Insurances Mhmm. Yep. after that under risk protection. Yep. And risk profile ten and eleven, so high growth is obviously your risk profile. We're not changing risk level at this point. Mhmm. Cool. And then if you go down to strategy recommendations, it's a pretty text heavy page there. Yep.","start_word":692,"end_word":771,"sentiment":"neutral","sentiment_score":0.01957198977470398},{"text":"So this is the ideal strategy that I've recommended, which is obviously I was talking to you about moving funds across from Colonial into Netwealth if you're happy with the plan going forward.","start_word":772,"end_word":804,"sentiment":"positive","sentiment_score":0.47786006331443787},{"text":"Mhmm. I've included in there basically why we're doing it, which is, Mhmm. again, new investment option reduces the fees, get the performance back on track. I'm not projecting your retirement outcome because that's twenty years away, but I've just done Yes. the updated ten year projection at this point. Yes. The other thing too is I'm just kind of putting in this document that I believe the switch of the Benelon option was in your best interest because it was underperforming overall time periods when we compared it. So that was definitely necessary to address. Yeah. Keep going down. You'll see insurances to be retained in Colonial there on '13. Mhmm. Advantages and disadvantages on '14, which is basically just, again, performance and fees. The disadvantage is obviously having two super funds to pay the two fees. And for all of our investments Yep. that we recommend, they're all ETFs. So there's always brokerage to purchase them to get Yep. that lower fee ongoing. Makes sense? Cool. Now comparisons wise, can you please go to the tables on page sixteen and seventeen for me? Yep. So this is what was done. Benelon was switched to the a 200 ETF. That's what happened previously. Now with the table below that, we've got your colonial listed. We've got your Netwealth portfolio listed with all of the options including that a 200 as well. Okay. The third table is the model portfolio, which is basically what we keep rebalancing it to. So if some of them go up and some of them go down, we would keep bringing it back to that original weighting. So, Yep. you know, buy low to sell high. K. Last couple of sort of details pages before the comparison. Asset allocation on 18, colored pie chart there. Main thing here is the middle row in gray, growth total. So for high growth, you're bouncing between 19 to a 100% in growth assets like shares, property, and gold. Does that ring a bell?","start_word":805,"end_word":1139,"sentiment":"neutral","sentiment_score":0.018630538080165637},{"text":"Cool.","start_word":1140,"end_word":1140,"sentiment":"positive","sentiment_score":0.354661226272583},{"text":"Alright. Comparisons for you. Here we go. Nineteen and twenty are your comparisons, sir. So can you see the first fee comparison on page 19 for me? First, for you, comparison. Yeah. Okay. Yep. Yep. So this just breaks down the net wealth for Colonial if we were to do a rollover and if you weren't comfortable with the plan. It just goes over the fee differences and so on. I've put down there in color coding for you the performance comparison between the three, just like I promised, No. which is there's your colonial over one, five, and 10. There's what your network was doing based on having Benelon inside it. And then on the right hand side, this is your updated portfolio. Mhmm. So one year CFS 14.09. Net worth original portfolio was 1.071. Correct. So if you kept it in better long going forward, that's the twelve year, five year, and ten year. Yep. K? New one on the right. Main thing for you, though, is Colonial is pretty low on fees. They've got that small flat fee, 0.04 admin fee, 9% returns over five years, which is what we use for our comparison with the five year middle.","start_word":1141,"end_word":1342,"sentiment":"neutral","sentiment_score":0.10376720875501633},{"text":"High growth, you want double digits as much as you can. They've been doing pretty good. 9% of the five years is pretty good. That's their life stage option.","start_word":1343,"end_word":1371,"sentiment":"positive","sentiment_score":0.5025176405906677},{"text":"Yeah. And then if you go down one more page for me, this is pretty much what you were doing, what we've moved you into, what I'm thinking, as well as an updated projection there as well. Mhmm. K. Now can you see where I've got that quite long heading? Previous portfolio versus current and recommended Previous versus on current and recommended. Yeah. yep. So what this is basically showing is all three mixed in, which is again Netwealth previously, Colonial currently versus what we're thinking. The big thing here is if you go to the investment fee row, second row in that middle section, Yep. The fees with the a 200 mixed in pretty much drops it from 1,400 to 400.","start_word":1372,"end_word":1493,"sentiment":"neutral","sentiment_score":0.04714303317128635},{"text":"The Benelon was a lot more expensive.","start_word":1494,"end_word":1500,"sentiment":"negative","sentiment_score":-0.5619944334030151},{"text":"Man, Colonial Performance was at the bottom. was yeah. Colonial was $2.49. Right. Okay. Just bear in mind that when it comes to the dollar figures, that's all based on the percentage based on the balance. So if the colonial yeah. So if the colonial balance was 200,000, it's a 0.6% investment End of fee, that. Yeah. Yeah. whereas, Yeah. yep, and then the portfolio that we've got you currently in is 0.2. So it Okay. depends on where you Yeah. move the funds between. That's why I've Yeah. included in the appendix if you put the whole lot in there, No. Okay. which I'll just quickly bring that up actually. 1,310. So, again, bit of grain of salt on the projections there. That's just based on the average returns at the bottom there. So the previous Netwealth and the Colonial averaged out to about seven. The new ones averaging out about that 12, factoring in keeping the Colonial investment going for the insurances. And Yep. the difference of that would make 50 to a 150,000 based on Mhmm. both switches. Yep. K? Now outside of that, the rest of the document basically just goes through beneficiary nomination, make sure that's up to date for Colonial, and just the reminders for the wills and the power of attorney, and then services and fees at the bottom. Mhmm. Okay. K? So what I was Yeah. gonna do is basically just walk you through that, answer any questions that you have, and then just sort of leave that with you to kind of read through, make sure you're comfortable, Yeah. ask any questions. I will, I guess, kinda read through it in terms of, like, you know, probably have to do another time, I guess, read through it a bit more carefully. And then, yeah, 100 go percent. from there. Yep. One thing that I'll get you to do too is with the the Odoo sign that we've got, the purple buttons will actually bring you to a sign in section for this statement of advice and stamp the signature name and date on there, but you Yeah. can click through the documents. There should be some arrows there, and if you scroll at the bottom, it should say next document. So what you'll Yeah. be able to go through is after the statement of advice, there's the appendix with that rollback comparison for you so you can break down all the fees and performance and everything. Yeah. And then if you're happy with what we're thinking, then there's, like, the service agreement, tax file number, opt in, and a product disclosure statement after that. Yeah. Okay. Yeah. Yeah. Yeah. I guess, you know, Cool. at the moment, I just wanna make sure that Colonial is kept because of the insurance purposes.","start_word":1501,"end_word":1970,"sentiment":"neutral","sentiment_score":0.0775824221128479},{"text":"I don't wanna, you know, move away from Colonial at this stage.","start_word":1971,"end_word":1982,"sentiment":"negative","sentiment_score":-0.38257256150245667},{"text":"Yeah. K. One thing too, couple things to consider as well is, obviously, I never like recommending someone has two super funds because 99 times out of a 100, what's the point kind of thing. The only reason that you would run Netwealth in addition to Colonial is just to get access to all those extra investment options and features. It's a Yeah.","start_word":1983,"end_word":2045,"sentiment":"neutral","sentiment_score":-0.18431736528873444},{"text":"bit more expensive.","start_word":2046,"end_word":2048,"sentiment":"negative","sentiment_score":-0.40579718351364136},{"text":"You've got your 700 options there. We could build all the fancy Yeah.","start_word":2049,"end_word":2061,"sentiment":"neutral","sentiment_score":-0.048344314098358154},{"text":"ETFs in the world and make a really nice portfolio out of it, but you still pay that.","start_word":2062,"end_word":2079,"sentiment":"positive","sentiment_score":0.38608667254447937},{"text":"I think it's hang on. Let me bring it up. I've got it in front of me. I think it's about $52 a year that they charge as, like, an account keeping fee for Colonial.","start_word":2080,"end_word":2114,"sentiment":"neutral","sentiment_score":-0.055551547557115555},{"text":"That's probably, like, the main drawback.","start_word":2115,"end_word":2120,"sentiment":"negative","sentiment_score":-0.5003572702407837},{"text":"Yeah. I guess yeah. That's fine. But, I mean, I guess, like, you know, for me to get income protection through another provider, it would be a lot more. Right? Because I think income Yes. protection included in my Colonial super, and I'm not paying anything for that. I've got let me have a quick look at what we've noted down. Yeah.","start_word":2121,"end_word":2182,"sentiment":"neutral","sentiment_score":-0.09940258413553238},{"text":"So there's the premiums for the Colonial is ridiculously affordable.","start_word":2183,"end_word":2192,"sentiment":"positive","sentiment_score":0.44169238209724426},{"text":"It's $829 a year for Yeah. $400 of life and CBD, 8,000 a month worth of income protection, Yeah. Yeah. and that's a thirty day wait, which is perfectly standard. Like, Yeah. you're out for a month. Here you go, there's your monthly, and it'll Yeah. pay you for two years per injury. Anything more than two years, here's $400 for the tip of that. Yeah. Sorry. Anything more than two users? Well, sorry. So if you're like, let's say you're injured for more than two years, likely, what is you're probably not going back to work in most cases, so Yeah. then you'd probably qualify for the total disability lump sum, which is at The 400 total thousand impairment. as well. Yeah. Okay. Yeah. Yeah. That's the one. So they kind Yeah. of go hand in hand. It's like, here's your short term, here's your long term. Yeah. Yeah. Yeah. Yeah. Okay. The other thing too is before like, read through it when you're comfortable, come back with any questions. Yeah. If you want to amend any of this at all, like, for example, if you just say, hey. Look.","start_word":2193,"end_word":2383,"sentiment":"neutral","sentiment_score":0.02683105506002903},{"text":"This all sounds great, but I would like to let it run for a year and see how it goes.","start_word":2384,"end_word":2403,"sentiment":"positive","sentiment_score":0.6038297414779663},{"text":"We Yeah. don't have to roll funds across from Colonial. Yeah. We could you can write at the bottom of the document in the text box I've got for you. Yeah. Say, look, happy to go ahead with the investments as you've outlined, but Yeah. no rollover, and then Yeah. we can just let that go. Like, it's up to you. Yeah. Okay. Okay. Yeah. Because the rollover how much was the rollover again for So this the year? top up, we usually keep 10,000 minimum. It's at Yeah. 38, so it'd be 28. 28. Yeah. Okay. Yeah. Yeah. Okay. Alright. Yeah. I'll have a look at that, and I might I might okay. I think this time might choose not to do any rollover to see how you guys form. Yeah. Yeah. Yep. Yeah. Absolutely. Okay. Like, it's one of the things that when you're paying the fees for the advice, totally fine to kind of let it run, proof Yeah. in the pudding kind of thing. If the Yeah. market goes up, I know what the returns are gonna be like. When the market Yeah. goes down, it's gonna be a bit rough because high growth. So when you get to that point, everything in Odoo sign is clickable. So you don't Yeah. just have to hit the button for it to stamp all the signatures. You can just click that box above the signature spot where it Yep. says, I've chosen to vary the recommendations, and then Mhmm. just type in, hey. Don't wanna go ahead with the wrong logo. Yeah. Okay. Alright. K. Okay. Alright. Alright. Is Well, there anything I'll review else I this. can help you with? No. Not at Yep. this stage. I'll review this and, yeah, we'll go from there. Easy. And look, if you have any further questions, like, you can obviously email the team, Yep. call in, and just book in for a quick chat with me. Go on. Just don't respond to the Odoo email because it's just part of that what do you call it? Like, DocuSign thing. It won't come Yeah. straight through to me. Okay. No worries.","start_word":2404,"end_word":2764,"sentiment":"neutral","sentiment_score":0.05817468260051141},{"text":"Cool.","start_word":2765,"end_word":2765,"sentiment":"positive","sentiment_score":0.37495410442352295},{"text":"Alright, Okay. Janet.","start_word":2766,"end_word":2768,"sentiment":"neutral","sentiment_score":0.2233952432870865},{"text":"Look. I appreciate you taking the time, and it is a lot of information to read.","start_word":2769,"end_word":2784,"sentiment":"positive","sentiment_score":0.6683913469314575},{"text":"So, again, any questions, just let us know. No worries.","start_word":2785,"end_word":2794,"sentiment":"neutral","sentiment_score":0.299683153629303},{"text":"Cool. Thanks, bud. Awesome. Have a great night, mate. Cheers. Thanks. Bye.","start_word":2795,"end_word":2806,"sentiment":"positive","sentiment_score":0.7406719326972961}],"average":{"sentiment":"neutral","sentiment_score":0.06869253733498026}}}}