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Mate, I'm gonna pop through this email to you. I'll go through a quick security check. Will you be able to look on to the document with me today? Fantastic. So that'll come through there. While that's popping through, Kev, could I just get your date of birth and address for security for me? Apologies for that, mate. I won't take up too much time. I'll leave the advice document with you today, but just wanted to walk through the key points for a few minutes. But if you do need to hop off, just let me know. Appreciate that. Oh, mate. Half the office is out at the moment. I know what it's like, and I've got three kids now, so I'm trying to avoid as much of it as possible from day care germs. You know what? That's fine. So in the yeah. So that button brings up the documents to scroll through. It doesn't actually sign anything. And then if you're happy with it, we can give that a go. Now I'm obviously registered with Asica's adviser 1 273105. That's on the document as well. Mate, could you just check me your date of birth and address? Beautiful. Sensational. Beautiful. Now can you see that first document should be like a beachfront city, Gold Coast looking picture? So what I've done on here, there's four documents. There is oh, sorry. Actually, there's quite a few documents on there. We've got the statement of advice. There's some research appendix on there as well. Few annual review documents from our last chat. But the main thing is if you can just go through to page four, it's got the scope of advice there. Yep. So and the page before that is what is counted and considered. And we've got superannuation. So the main thing was two things. You've got an early retirement age at 60, and the other thing was pretty much you've had heaps of contributions going in. Growth was a bit slowed down, and we were talking about fixing up the portfolio with a few options there and also a little bit of, like, the salary sacrifice, that kind of thing. Now the other thing was the insurances side of things. We were looking at bumping up the income protection a little bit to cover you the 1,500 a week to live on. It's a bit low at the moment, so we're looking at bumping that up a bit. And the page five where you said not considered, we're not doing anything for estate planning. You've got everything pretty much in line with your wishes, so we don't need to update your estate plan. And I'm not giving you advice on debt management. You're obviously paying down the mortgage, sorting out the land and everything. And we basically just talked about, you know, long term goal, purchase some lands, build the families for over home, and that's down the line. Investment on page six. We were talking about investing at some point, and we were talking about maybe doing some investing in shares and ETFs and things like that. But at the moment, it's probably not the right time to do it because you're obviously trying to focus on those property goals. And then once you've got a bit of a handle on cash flow after those, we were gonna look at some personal investing down the line. Does that ring a bell? Absolutely. So if you flick down to the about you section and assets on pages eight and nine. We've got the updated occupation there with the truck driving. We've got the income updated email address for your Gmail. Assets and liabilities, we've got your home, vehicle, cash, shares, and the new Harley that you got. And then, obviously, you're doing the vehicle, like, salary packaging through LDV. Beautiful. Now if you flick down, we've got your super in hub. We've got that towel insurance policy, 400,000, 400,000 of life and TPD, bit of income protection on there as well, and a bit of trauma and TPD that you're paying out of pocket. Remember, that's the one that we did smokers rights removal of. So that's looking really good premiums wise. Now page 12, high growth for the risk profile. Again, we were just talking about fixing up any of the options that weren't performing well rather than changing your risk level up or down. That's the one. Strategy recommendations on 14. It's a big wall of text there. I just want to summarize it for you. So the investments that we found to replace Bennelong and a few other ones, basically, lower fees, better performance, and keeps you in line with your asset allocation. Just bear in mind, all the investments we're using, the ETFs. So, again, there's a bit of a a brokerage fee to purchase them up front. And then once you've got them, they're the lowest fee going forward. I've kept the active replacement for Benelon. Alfiniti is in there instead. I'll show you that in a sec. And basically, what I just said is in the table on page 15, advantages and disadvantages. Basically says lower the fees, improve the performance, and there's some brokerage fees. And of course, the markets perform the way they do. The main crunch part, if you can please fling down to the tables for me, page 17, the investments table. So can you see the second last column where it's got target weight? And all the figures down there, they're all round numbers, 7%, 0%, 30%, that kind of thing. On page yeah. Seventeen and 18 has a big blue table investments. And you should be able to see on the left hand side like you yeah. No. That's all good. So target weight. So Ben Long's gone to zero because that's being sold. Now the the ones underneath it that are sevens, that's just a bit of a rebalance. So as they go up and down, we just bring them back to the 7% for those satellite options. So your battery tech and your lithium, your safe stuff, your China shares, all that stuff, and your gold, we just bring them back to the weightings that they should be at. The bottom one, that's your replacement, the Alfiniti Australian share. That's the one that's replacing Benelon. K. So that one is about 10% cheaper and has smashed over $1.03, 5, and 10 years, and it's actually beaten the Aussie market over those periods as well. So it's a good replacement. You've still got a bit of cash in the super. That's just, you know, contributions come in. It's about to be invested. So that's that tiny table on the next page. Now we get into the meat and potatoes of it. Nineteen's got your colored pie chart for your asset allocation. All I'm saying here is high growth is between 90 to a 100% growth assets. You're sitting at 91. Once we rebalance it, you're gonna be basically about 92%. That's that middle row in the gray that says growth total. Cool. Now for the fee differences and everything, if you go down to fee comparison, that's the next page, blue table there, and it should show current recommended in difference. Cool. So right hand side, the difference on the investment fees, that's at $1.32. Again, goes from a thousand to 900, and the average returns over five years at the bottom, they jump up from 10 to 12. The bottom table underneath, that's got your updated projections with the new options in there. So from 348,000 to $3.94 over five years and over ten years from 500,000 to $6.36 is the estimate. Yes. No. They're going down. Yep. So the option that I'm replacing Benelon with, it's cheaper and better. The other thing I want to just quickly flag with you is we're looking at a bit of salary sacrifice, and it wasn't showing up in the transaction history. I think you're expecting $50 a week from work to go in there, but there's nothing that's right. Okay. So I've just put that in there as the recommendation just to make sure you can see what that does to the take home pay and the super and everything. So that's in the projections as well. And the performance table on page 21, that shows you the one year, three year, five year, ten year. Any questions on that one? Beautiful. Alrighty. So a little bit of contributions would be lovely. The portfolio is going to be much better. At least get the fees down, performance back up. The only other thing is with the the income protection, that was the only thing that I couldn't get across the line. I tried to go to to bump up the income protection a little bit, but the moment we added in the truck driving on there, they put it as a special risk, which would have switched your your definition to a worse one to bump up the cover. And then the premiums were another few thousand dollars on top. So I've added that into the appendix just so you've got that research there. But the moment, I can actually bump you up without it stuffing up your definition because you don't wanna have that thing where you can't claim on it, and you'd probably don't want it to go up a few thousand dollars as well. So that's the only thing is we're gonna have to keep the income protection at the 5,000 a month benefit instead of bumping it up. But as soon as I can get that bumped up, I'll I'll run that by you as well. Cool. Outside of that, I think we've just got some services at the bottom and everything else. So when you go through this one, you've got you've been scrolling through the document. The buttons will bring you to the authority to proceed. If you're happy with the plan, give that a sign. We'll jump on hub and switch the investments around this week for you. Outside of that, the appendix has the research. You've got a the service agreement from your review if you're still comfortable for us to run this for the year, and then you've just got the usual review documents, the summary of everything, your certificates for the insurer, your updated services guide with us. Awesome, mate. I know you said probably weren't expecting the call today and maybe a bit short on time, but do you have any questions for me so far? Beautiful. So once you get that authority and service agreement signed, what it basically does is the buttons bring you to the spot to stamp your signature and dates on, and then there'll be a little purple button saying next document. You don't have to scroll through all the documents. You can just skip by the other ones. And once you get to the last one, it'll have a validate button, which basically says it'll load for a second and say, hey. Do you wanna save a signed copy for your records? Goody. Is there anything else I can help you with at the moment besides getting those investments switched around? Cool, man. Alright. Well, as always, I'll be keeping an eye on things. But do you want me to put in for a bit of a catch up sometime towards the end of this year, or you just wanna wait for the next annual review? What would be your your preference? Yeah. Look. Anytime. Buzz up. Get booked in. I'm happy to chat. If you wanna email, text in any questions, let us know. And outside of that, mate, I'll just put in for a bit of a catch up end of financial year next year. Beauty. Any questions for me before I let you go, Kev? Cool. It skips through to the next one. So there's only two documents to sign, but there's about six documents to skip through because it's all your annual review pack. So you basically just gotta go next document, next document all the way to the end, and then it will have a validate button at the bottom. Just give that a go for me to see if that works. Yeah. So we're already past the reference date for those. So I just wanted to double check that you're obviously happy for us to look after things at the moment. Cool. The other thing that I mentioned on the last call, but I'll kind of reiterate today as well, is next year, Sevvy and Bard are coming up with a bit of a tiered fee structure for all the clients. So everyone above 200,000, we're gonna start getting some discounts applied. And because you're above 200 now, when we have that conversation next year, I should have the paperwork ready to move you across to the new agreements as well. Cool. And then hopefully, we can have a bit of a chat next year about doing some investment. But, again, I'm assuming you're still focusing on the property side of things and probably got a bit going on. Yeah. Cool. Yeah. I'll I'll broach it with you every year. And if it comes to a point where you wanna dive into some investing, we can look at it. But, again, just, you know, deal with the priorities first, and then when you're comfortable to look at it, just let me know. Awesome, Kevin. Just is it doing the old circle spin? Oh, no. It does that for everyone. Sometimes it takes a few seconds, but because this one's got your annual review pack in there, probably takes an extra thirty seconds or so. Beautiful. That's come through on my end as well, mate. So, again, when you hit validate, it'll ask you to download a copy for yourself. But if you ever want a copy, we can send it through to you as well. Amazing. Alrighty, mate. Thank you so much for the time. I'm sorry that you that we almost missed each other today, but thanks for spending the time with me today. Anytime. Anytime at all. I shall talk to you soon, sir. Thanks, Kev. Take it easy, mate. 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Tommy here from Oakview, mate. How are you doing? Right. Living the absolute dream over here. I've got you booked in for that updated advice chat.\n\nHave you got time for me? Fantastic. Mate, I'm gonna pop through this email to you. I'll go through a quick security check. Will you be able to look on to the document with me today?\n\nFantastic. So that'll come through there. While that's popping through, Kev, could I just get your date of birth and address for security for me? Apologies for that, mate. I won't take up too much time.\n\nI'll leave the advice document with you today, but just wanted to walk through the key points for a few minutes. But if you do need to hop off, just let me know. Appreciate that. Oh, mate. Half the office is out at the moment.\n\nI know what it's like, and I've got three kids now, so I'm trying to avoid as much of it as possible from day care germs. You know what? That's fine. So in the yeah. So that button brings up the documents to scroll through.\n\nIt doesn't actually sign anything. And then if you're happy with it, we can give that a go. Now I'm obviously registered with Asica's adviser 1 273105. That's on the document as well. Mate, could you just check me your date of birth and address?\n\nBeautiful. Sensational. Beautiful. Now can you see that first document should be like a beachfront city, Gold Coast looking picture? So what I've done on here, there's four documents.\n\nThere is oh, sorry. Actually, there's quite a few documents on there. We've got the statement of advice. There's some research appendix on there as well. Few annual review documents from our last chat.\n\nBut the main thing is if you can just go through to page four, it's got the scope of advice there. Yep. So and the page before that is what is counted and considered. And we've got superannuation. So the main thing was two things.\n\nYou've got an early retirement age at 60, and the other thing was pretty much you've had heaps of contributions going in. Growth was a bit slowed down, and we were talking about fixing up the portfolio with a few options there and also a little bit of, like, the salary sacrifice, that kind of thing. Now the other thing was the insurances side of things. We were looking at bumping up the income protection a little bit to cover you the 1,500 a week to live on. It's a bit low at the moment, so we're looking at bumping that up a bit.\n\nAnd the page five where you said not considered, we're not doing anything for estate planning. You've got everything pretty much in line with your wishes, so we don't need to update your estate plan. And I'm not giving you advice on debt management. You're obviously paying down the mortgage, sorting out the land and everything. And we basically just talked about, you know, long term goal, purchase some lands, build the families for over home, and that's down the line.\n\nInvestment on page six. We were talking about investing at some point, and we were talking about maybe doing some investing in shares and ETFs and things like that. But at the moment, it's probably not the right time to do it because you're obviously trying to focus on those property goals. And then once you've got a bit of a handle on cash flow after those, we were gonna look at some personal investing down the line. Does that ring a bell?\n\nAbsolutely. So if you flick down to the about you section and assets on pages eight and nine. We've got the updated occupation there with the truck driving. We've got the income updated email address for your Gmail. Assets and liabilities, we've got your home, vehicle, cash, shares, and the new Harley that you got.\n\nAnd then, obviously, you're doing the vehicle, like, salary packaging through LDV. Beautiful. Now if you flick down, we've got your super in hub. We've got that towel insurance policy, 400,000, 400,000 of life and TPD, bit of income protection on there as well, and a bit of trauma and TPD that you're paying out of pocket. Remember, that's the one that we did smokers rights removal of.\n\nSo that's looking really good premiums wise. Now page 12, high growth for the risk profile. Again, we were just talking about fixing up any of the options that weren't performing well rather than changing your risk level up or down. That's the one. Strategy recommendations on 14.\n\nIt's a big wall of text there. I just want to summarize it for you. So the investments that we found to replace Bennelong and a few other ones, basically, lower fees, better performance, and keeps you in line with your asset allocation. Just bear in mind, all the investments we're using, the ETFs. So, again, there's a bit of a a brokerage fee to purchase them up front.\n\nAnd then once you've got them, they're the lowest fee going forward. I've kept the active replacement for Benelon. Alfiniti is in there instead. I'll show you that in a sec. And basically, what I just said is in the table on page 15, advantages and disadvantages.\n\nBasically says lower the fees, improve the performance, and there's some brokerage fees. And of course, the markets perform the way they do. The main crunch part, if you can please fling down to the tables for me, page 17, the investments table. So can you see the second last column where it's got target weight? And all the figures down there, they're all round numbers, 7%, 0%, 30%, that kind of thing.\n\nOn page yeah. Seventeen and 18 has a big blue table investments. And you should be able to see on the left hand side like you yeah. No. That's all good.\n\nSo target weight. So Ben Long's gone to zero because that's being sold. Now the the ones underneath it that are sevens, that's just a bit of a rebalance. So as they go up and down, we just bring them back to the 7% for those satellite options. So your battery tech and your lithium, your safe stuff, your China shares, all that stuff, and your gold, we just bring them back to the weightings that they should be at.\n\nThe bottom one, that's your replacement, the Alfiniti Australian share. That's the one that's replacing Benelon. K. So that one is about 10% cheaper and has smashed over $1.03, 5, and 10 years, and it's actually beaten the Aussie market over those periods as well. So it's a good replacement.\n\nYou've still got a bit of cash in the super. That's just, you know, contributions come in. It's about to be invested. So that's that tiny table on the next page. Now we get into the meat and potatoes of it.\n\nNineteen's got your colored pie chart for your asset allocation. All I'm saying here is high growth is between 90 to a 100% growth assets. You're sitting at 91. Once we rebalance it, you're gonna be basically about 92%. That's that middle row in the gray that says growth total.\n\nCool. Now for the fee differences and everything, if you go down to fee comparison, that's the next page, blue table there, and it should show current recommended in difference. Cool. So right hand side, the difference on the investment fees, that's at $1.32. Again, goes from a thousand to 900, and the average returns over five years at the bottom, they jump up from 10 to 12.\n\nThe bottom table underneath, that's got your updated projections with the new options in there. So from 348,000 to $3.94 over five years and over ten years from 500,000 to $6.36 is the estimate. Yes. No. They're going down.\n\nYep. So the option that I'm replacing Benelon with, it's cheaper and better. The other thing I want to just quickly flag with you is we're looking at a bit of salary sacrifice, and it wasn't showing up in the transaction history. I think you're expecting $50 a week from work to go in there, but there's nothing that's right. Okay.\n\nSo I've just put that in there as the recommendation just to make sure you can see what that does to the take home pay and the super and everything. So that's in the projections as well. And the performance table on page 21, that shows you the one year, three year, five year, ten year. Any questions on that one? Beautiful.\n\nAlrighty. So a little bit of contributions would be lovely. The portfolio is going to be much better. At least get the fees down, performance back up. The only other thing is with the the income protection, that was the only thing that I couldn't get across the line.\n\nI tried to go to to bump up the income protection a little bit, but the moment we added in the truck driving on there, they put it as a special risk, which would have switched your your definition to a worse one to bump up the cover. And then the premiums were another few thousand dollars on top. So I've added that into the appendix just so you've got that research there. But the moment, I can actually bump you up without it stuffing up your definition because you don't wanna have that thing where you can't claim on it, and you'd probably don't want it to go up a few thousand dollars as well. So that's the only thing is we're gonna have to keep the income protection at the 5,000 a month benefit instead of bumping it up.\n\nBut as soon as I can get that bumped up, I'll I'll run that by you as well. Cool. Outside of that, I think we've just got some services at the bottom and everything else. So when you go through this one, you've got you've been scrolling through the document. The buttons will bring you to the authority to proceed.\n\nIf you're happy with the plan, give that a sign. We'll jump on hub and switch the investments around this week for you. Outside of that, the appendix has the research. You've got a the service agreement from your review if you're still comfortable for us to run this for the year, and then you've just got the usual review documents, the summary of everything, your certificates for the insurer, your updated services guide with us. Awesome, mate.\n\nI know you said probably weren't expecting the call today and maybe a bit short on time, but do you have any questions for me so far? Beautiful. So once you get that authority and service agreement signed, what it basically does is the buttons bring you to the spot to stamp your signature and dates on, and then there'll be a little purple button saying next document. You don't have to scroll through all the documents. You can just skip by the other ones.\n\nAnd once you get to the last one, it'll have a validate button, which basically says it'll load for a second and say, hey. Do you wanna save a signed copy for your records? Goody. Is there anything else I can help you with at the moment besides getting those investments switched around? Cool, man.\n\nAlright. Well, as always, I'll be keeping an eye on things. But do you want me to put in for a bit of a catch up sometime towards the end of this year, or you just wanna wait for the next annual review? What would be your your preference? Yeah.\n\nLook. Anytime. Buzz up. Get booked in. I'm happy to chat.\n\nIf you wanna email, text in any questions, let us know. And outside of that, mate, I'll just put in for a bit of a catch up end of financial year next year. Beauty. Any questions for me before I let you go, Kev? Cool.\n\nIt skips through to the next one. So there's only two documents to sign, but there's about six documents to skip through because it's all your annual review pack. So you basically just gotta go next document, next document all the way to the end, and then it will have a validate button at the bottom. Just give that a go for me to see if that works. Yeah.\n\nSo we're already past the reference date for those. So I just wanted to double check that you're obviously happy for us to look after things at the moment. Cool. The other thing that I mentioned on the last call, but I'll kind of reiterate today as well, is next year, Sevvy and Bard are coming up with a bit of a tiered fee structure for all the clients. So everyone above 200,000, we're gonna start getting some discounts applied.\n\nAnd because you're above 200 now, when we have that conversation next year, I should have the paperwork ready to move you across to the new agreements as well. Cool. And then hopefully, we can have a bit of a chat next year about doing some investment. But, again, I'm assuming you're still focusing on the property side of things and probably got a bit going on. Yeah.\n\nCool. Yeah. I'll I'll broach it with you every year. And if it comes to a point where you wanna dive into some investing, we can look at it. But, again, just, you know, deal with the priorities first, and then when you're comfortable to look at it, just let me know.\n\nAwesome, Kevin. Just is it doing the old circle spin? Oh, no. It does that for everyone. Sometimes it takes a few seconds, but because this one's got your annual review pack in there, probably takes an extra thirty seconds or so.\n\nBeautiful. That's come through on my end as well, mate. So, again, when you hit validate, it'll ask you to download a copy for yourself. But if you ever want a copy, we can send it through to you as well. Amazing.\n\nAlrighty, mate. Thank you so much for the time. I'm sorry that you that we almost missed each other today, but thanks for spending the time with me today. Anytime. Anytime at all.\n\nI shall talk to you soon, sir. Thanks, Kev. Take it easy, mate. Bye.","paragraphs":[{"sentences":[{"text":"Kevin, Tommy here from Oakview, mate.","start":1.36,"end":3.04,"sentiment":"neutral","sentiment_score":0.24103324363629022},{"text":"How are you doing?","start":3.04,"end":3.86,"sentiment":"neutral","sentiment_score":0.27043356373906136},{"text":"Right.","start":5.6,"end":5.92,"sentiment":"positive","sentiment_score":0.37022894620895386},{"text":"Living the absolute dream over here.","start":5.92,"end":7.7599998,"sentiment":"positive","sentiment_score":0.6890715062618256},{"text":"I've got you booked in for that updated advice chat.","start":7.7599998,"end":10.639999,"sentiment":"neutral","sentiment_score":0.27362407445907594}],"sentiment":"positive","sentiment_score":0.36180860907943163,"num_words":27,"start":1.36,"end":10.639999},{"sentences":[{"text":"Have you got time for me?","start":10.639999,"end":11.94,"sentiment":"neutral","sentiment_score":0.15673656264940897},{"text":"Fantastic.","start":13.5199995,"end":14.0199995,"sentiment":"positive","sentiment_score":0.6976033449172974},{"text":"Mate, I'm gonna pop through this email to you.","start":14.545,"end":17.205,"sentiment":"positive","sentiment_score":0.3900725841522217},{"text":"I'll go through a quick security check.","start":17.825,"end":19.585,"sentiment":"neutral","sentiment_score":0.2217873271022524},{"text":"Will you be able to look on to the document with me today?","start":19.585,"end":21.845001,"sentiment":"neutral","sentiment_score":0.18126122997357294}],"sentiment":"neutral","sentiment_score":0.25159953493211007,"num_words":36,"start":10.639999,"end":21.845001},{"sentences":[{"text":"Fantastic.","start":26.385,"end":26.885,"sentiment":"positive","sentiment_score":0.4348386526107788},{"text":"So that'll come through there.","start":27.43,"end":28.95,"sentiment":"neutral","sentiment_score":0.2451723426580429},{"text":"While that's popping through, Kev, could I just get your date of birth and address for security for me?","start":28.95,"end":34.17,"sentiment":"neutral","sentiment_score":0.056307446603712286},{"text":"Apologies for that, mate.","start":44.005,"end":45.285,"sentiment":"neutral","sentiment_score":-0.2145489566028118},{"text":"I won't take up too much time.","start":45.285,"end":46.965,"sentiment":"neutral","sentiment_score":-0.14928137404578073}],"sentiment":"neutral","sentiment_score":0.022982677962217066,"num_words":36,"start":26.385,"end":46.965},{"sentences":[{"text":"I'll leave the advice document with you today, but just wanted to walk through the key points for a few minutes.","start":46.965,"end":53.07,"sentiment":"neutral","sentiment_score":0.013474970789892333},{"text":"But if you do need to hop off, just let me know.","start":53.07,"end":55.25,"sentiment":"neutral","sentiment_score":-0.020617267893006403},{"text":"Appreciate that.","start":57.47,"end":58.45,"sentiment":"neutral","sentiment_score":-0.06624010438099504},{"text":"Oh, mate.","start":61.15,"end":62.05,"sentiment":"neutral","sentiment_score":-0.05914826970547438},{"text":"Half the office is out at the moment.","start":62.11,"end":63.89,"sentiment":"neutral","sentiment_score":-0.12244602385908365}],"sentiment":"neutral","sentiment_score":-0.02655061704830991,"num_words":45,"start":46.965,"end":63.89},{"sentences":[{"text":"I know what it's like, and I've got three kids now, so I'm trying to avoid as much of it as possible from day care germs.","start":63.949997,"end":69.895,"sentiment":"neutral","sentiment_score":-0.1571218122083407},{"text":"You know what?","start":72.034996,"end":72.515,"sentiment":"neutral","sentiment_score":-0.01127401553094387},{"text":"That's fine.","start":72.515,"end":73.174995,"sentiment":"neutral","sentiment_score":0.01681913947686553},{"text":"So in the yeah.","start":74.915,"end":78.595,"sentiment":"neutral","sentiment_score":-0.004136017756536603},{"text":"So that button brings up the documents to scroll through.","start":78.595,"end":81.060005,"sentiment":"neutral","sentiment_score":-0.007953850645571947}],"sentiment":"neutral","sentiment_score":-0.09292074361195167,"num_words":45,"start":63.949997,"end":81.060005},{"sentences":[{"text":"It doesn't actually sign anything.","start":81.060005,"end":82.520004,"sentiment":"neutral","sentiment_score":-0.05771208703517914},{"text":"And then if you're happy with it, we can give that a go.","start":82.66,"end":85.880005,"sentiment":"neutral","sentiment_score":0.14808332934402502},{"text":"Now I'm obviously registered with Asica's adviser 1 273105.","start":87.86,"end":92.1,"sentiment":"neutral","sentiment_score":0.06266620175706016},{"text":"That's on the document as well.","start":92.1,"end":93.915,"sentiment":"neutral","sentiment_score":0.06839802240331967},{"text":"Mate, could you just check me your date of birth and address?","start":94.155,"end":96.975,"sentiment":"neutral","sentiment_score":0.03154279633114735}],"sentiment":"neutral","sentiment_score":0.06643156338897016,"num_words":45,"start":81.060005,"end":96.975},{"sentences":[{"text":"Beautiful.","start":103.035,"end":103.195,"sentiment":"positive","sentiment_score":0.37822437286376953},{"text":"Sensational.","start":103.195,"end":103.695,"sentiment":"positive","sentiment_score":0.3535001277923584},{"text":"Beautiful.","start":104.075,"end":104.575,"sentiment":"positive","sentiment_score":0.33495205640792847},{"text":"Now can you see that first document should be like a beachfront city, Gold Coast looking picture?","start":104.635,"end":111.86,"sentiment":"neutral","sentiment_score":0.09272665771491387},{"text":"So what I've done on here, there's four documents.","start":112.24,"end":114.259995,"sentiment":"neutral","sentiment_score":0.003606453641421265}],"sentiment":"neutral","sentiment_score":0.09225820072380633,"num_words":29,"start":103.035,"end":114.259995},{"sentences":[{"text":"There is oh, sorry.","start":114.479996,"end":116.32,"sentiment":"neutral","sentiment_score":-0.026646869257092476},{"text":"Actually, there's quite a few documents on there.","start":116.32,"end":118.34,"sentiment":"neutral","sentiment_score":0.00032953370828181505},{"text":"We've got the statement of advice.","start":118.399994,"end":120.24,"sentiment":"neutral","sentiment_score":0.09834853808085124},{"text":"There's some research appendix on there as well.","start":120.24,"end":123.965,"sentiment":"neutral","sentiment_score":0.09358915593475103},{"text":"Few annual review documents from our last chat.","start":123.965,"end":126.604996,"sentiment":"neutral","sentiment_score":0.042756224516779184}],"sentiment":"neutral","sentiment_score":0.046379501903977466,"num_words":34,"start":114.479996,"end":126.604996},{"sentences":[{"text":"But the main thing is if you can just go through to page four, it's got the scope of advice there.","start":126.604996,"end":131.905,"sentiment":"neutral","sentiment_score":0.0999407750510034},{"text":"Yep.","start":135.005,"end":135.405,"sentiment":"neutral","sentiment_score":-0.031334392726421356},{"text":"So and the page before that is what is counted and considered.","start":135.405,"end":139.0,"sentiment":"neutral","sentiment_score":0.0030316191065746048},{"text":"And we've got superannuation.","start":140.98,"end":142.84,"sentiment":"neutral","sentiment_score":0.040451229084283113},{"text":"So the main thing was two things.","start":143.22,"end":145.4,"sentiment":"neutral","sentiment_score":0.082206449338368}],"sentiment":"neutral","sentiment_score":0.06313447498509453,"num_words":45,"start":126.604996,"end":145.4},{"sentences":[{"text":"You've got an early retirement age at 60, and the other thing was pretty much you've had heaps of contributions going in.","start":145.54,"end":152.61499,"sentiment":"neutral","sentiment_score":0.030911570965227755},{"text":"Growth was a bit slowed down, and we were talking about fixing up the portfolio with a few options there and also a little bit of, like, the salary sacrifice, that kind of thing.","start":153.315,"end":165.08,"sentiment":"neutral","sentiment_score":-0.23205378520138123},{"text":"Now the other thing was the insurances side of things.","start":166.34,"end":169.48001,"sentiment":"neutral","sentiment_score":-0.06120086796581745},{"text":"We were looking at bumping up the income protection a little bit to cover you the 1,500 a week to live on.","start":169.86,"end":177.485,"sentiment":"neutral","sentiment_score":-0.018457262353463608},{"text":"It's a bit low at the moment, so we're looking at bumping that up a bit.","start":177.785,"end":181.32501,"sentiment":"neutral","sentiment_score":-0.15711390133947134}],"sentiment":"neutral","sentiment_score":-0.10328524046613333,"num_words":104,"start":145.54,"end":181.32501},{"sentences":[{"text":"And the page five where you said not considered, we're not doing anything for estate planning.","start":181.625,"end":188.845,"sentiment":"neutral","sentiment_score":-0.25662803649902344},{"text":"You've got everything pretty much in line with your wishes, so we don't need to update your estate plan.","start":189.225,"end":194.45001,"sentiment":"neutral","sentiment_score":-0.28320450061245966},{"text":"And I'm not giving you advice on debt management.","start":194.83,"end":196.59001,"sentiment":"negative","sentiment_score":-0.47586362229453194},{"text":"You're obviously paying down the mortgage, sorting out the land and everything.","start":196.59001,"end":199.89001,"sentiment":"neutral","sentiment_score":-0.28818323463201523},{"text":"And we basically just talked about, you know, long term goal, purchase some lands, build the families for over home, and that's down the line.","start":200.83,"end":209.035,"sentiment":"neutral","sentiment_score":-0.012149314880371093}],"sentiment":"neutral","sentiment_score":-0.21643998004772044,"num_words":81,"start":181.625,"end":209.035},{"sentences":[{"text":"Investment on page six.","start":212.21501,"end":213.675,"sentiment":"neutral","sentiment_score":0.03146686032414436},{"text":"We were talking about investing at some point, and we were talking about maybe doing some investing in shares and ETFs and things like that.","start":214.695,"end":223.67,"sentiment":"neutral","sentiment_score":0.04883828476071358},{"text":"But at the moment, it's probably not the right time to do it because you're obviously trying to focus on those property goals.","start":224.29,"end":231.405,"sentiment":"negative","sentiment_score":-0.40189943527397903},{"text":"And then once you've got a bit of a handle on cash flow after those, we were gonna look at some personal investing down the line.","start":231.645,"end":238.44499,"sentiment":"neutral","sentiment_score":0.06774607343742481},{"text":"Does that ring a bell?","start":238.44499,"end":239.58499,"sentiment":"neutral","sentiment_score":0.1178406298160553}],"sentiment":"neutral","sentiment_score":-0.06682242641606963,"num_words":83,"start":212.21501,"end":239.58499},{"sentences":[{"text":"Absolutely.","start":241.08499,"end":241.58499,"sentiment":"positive","sentiment_score":0.5328118801116943},{"text":"So if you flick down to the about you section and assets on pages eight and nine.","start":242.205,"end":248.73,"sentiment":"neutral","sentiment_score":0.09575292424244039},{"text":"We've got the updated occupation there with the truck driving.","start":250.15,"end":253.43,"sentiment":"neutral","sentiment_score":0.059794006124138835},{"text":"We've got the income updated email address for your Gmail.","start":253.43,"end":256.88998,"sentiment":"neutral","sentiment_score":0.06692378111183643},{"text":"Assets and liabilities, we've got your home, vehicle, cash, shares, and the new Harley that you got.","start":257.91,"end":263.195,"sentiment":"neutral","sentiment_score":0.050288824035840875}],"sentiment":"neutral","sentiment_score":0.07786726314913142,"num_words":55,"start":241.08499,"end":263.195},{"sentences":[{"text":"And then, obviously, you're doing the vehicle, like, salary packaging through LDV.","start":265.415,"end":269.355,"sentiment":"neutral","sentiment_score":-0.009857572382315993},{"text":"Beautiful.","start":272.05502,"end":272.55502,"sentiment":"positive","sentiment_score":0.4566216468811035},{"text":"Now if you flick down, we've got your super in hub.","start":272.695,"end":275.88,"sentiment":"neutral","sentiment_score":0.11031269959428093},{"text":"We've got that towel insurance policy, 400,000, 400,000 of life and TPD, bit of income protection on there as well, and a bit of trauma and TPD that you're paying out of pocket.","start":275.88,"end":287.96,"sentiment":"neutral","sentiment_score":-0.07731606224269578},{"text":"Remember, that's the one that we did smokers rights removal of.","start":287.96,"end":290.745,"sentiment":"neutral","sentiment_score":-0.0024174835363572292}],"sentiment":"neutral","sentiment_score":-0.01509193969233071,"num_words":68,"start":265.415,"end":290.745},{"sentences":[{"text":"So that's looking really good premiums wise.","start":290.745,"end":293.085,"sentiment":"neutral","sentiment_score":0.22269398399761745},{"text":"Now page 12, high growth for the risk profile.","start":294.745,"end":298.66498,"sentiment":"neutral","sentiment_score":-0.058118818120823965},{"text":"Again, we were just talking about fixing up any of the options that weren't performing well rather than changing your risk level up or down.","start":298.66498,"end":305.33002,"sentiment":"neutral","sentiment_score":-0.10516597136855126},{"text":"That's the one.","start":308.83002,"end":309.73,"sentiment":"neutral","sentiment_score":-0.02843734435737133},{"text":"Strategy recommendations on 14.","start":310.35,"end":312.27002,"sentiment":"neutral","sentiment_score":0.0017592539079487324}],"sentiment":"neutral","sentiment_score":-0.03482574534912904,"num_words":48,"start":290.745,"end":312.27002},{"sentences":[{"text":"It's a big wall of text there.","start":312.27002,"end":313.63,"sentiment":"neutral","sentiment_score":-0.009402207098901272},{"text":"I just want to summarize it for you.","start":313.63,"end":315.49002,"sentiment":"neutral","sentiment_score":0.08590540289878845},{"text":"So the investments that we found to replace Bennelong and a few other ones, basically, lower fees, better performance, and keeps you in line with your asset allocation.","start":316.75,"end":327.075,"sentiment":"neutral","sentiment_score":0.20334123873284884},{"text":"Just bear in mind, all the investments we're using, the ETFs.","start":327.855,"end":330.67502,"sentiment":"neutral","sentiment_score":0.10011870414018631},{"text":"So, again, there's a bit of a a brokerage fee to purchase them up front.","start":330.96,"end":334.66,"sentiment":"neutral","sentiment_score":0.06849787508447965}],"sentiment":"neutral","sentiment_score":0.12237328014242044,"num_words":69,"start":312.27002,"end":334.66},{"sentences":[{"text":"And then once you've got them, they're the lowest fee going forward.","start":334.96,"end":338.18,"sentiment":"neutral","sentiment_score":0.09236733863751094},{"text":"I've kept the active replacement for Benelon.","start":340.32,"end":342.5,"sentiment":"neutral","sentiment_score":0.004988949080663068},{"text":"Alfiniti is in there instead.","start":342.56,"end":343.92,"sentiment":"neutral","sentiment_score":0.024235282465815543},{"text":"I'll show you that in a sec.","start":343.92,"end":345.075,"sentiment":"neutral","sentiment_score":0.04246872902980873},{"text":"And basically, what I just said is in the table on page 15, advantages and disadvantages.","start":346.035,"end":351.49503,"sentiment":"neutral","sentiment_score":0.01158587890677154}],"sentiment":"neutral","sentiment_score":0.037173665643848004,"num_words":47,"start":334.96,"end":351.49503},{"sentences":[{"text":"Basically says lower the fees, improve the performance, and there's some brokerage fees.","start":352.11502,"end":358.21503,"sentiment":"neutral","sentiment_score":0.3214240005383125},{"text":"And of course, the markets perform the way they do.","start":358.435,"end":361.5,"sentiment":"positive","sentiment_score":0.41265847384929655},{"text":"The main crunch part, if you can please fling down to the tables for me, page 17, the investments table.","start":363.16,"end":368.94,"sentiment":"neutral","sentiment_score":0.0816272146999836},{"text":"So can you see the second last column where it's got target weight?","start":371.47998,"end":374.835,"sentiment":"neutral","sentiment_score":0.10857122506086643},{"text":"And all the figures down there, they're all round numbers, 7%, 0%, 30%, that kind of thing.","start":374.995,"end":380.85498,"sentiment":"neutral","sentiment_score":0.06057102079777157}],"sentiment":"neutral","sentiment_score":0.1695722509430696,"num_words":73,"start":352.11502,"end":380.85498},{"sentences":[{"text":"On page yeah.","start":382.995,"end":384.51498,"sentiment":"neutral","sentiment_score":0.03747380276521047},{"text":"Seventeen and 18 has a big blue table investments.","start":384.51498,"end":387.41498,"sentiment":"neutral","sentiment_score":0.05670222433076964},{"text":"And you should be able to see on the left hand side like you yeah.","start":390.25,"end":395.69,"sentiment":"neutral","sentiment_score":0.03687442156175772},{"text":"No.","start":395.69,"end":395.93,"sentiment":"neutral","sentiment_score":-0.04942492395639419},{"text":"That's all good.","start":395.93,"end":396.83002,"sentiment":"neutral","sentiment_score":0.0932290976246198}],"sentiment":"neutral","sentiment_score":0.045358713536012556,"num_words":31,"start":382.995,"end":396.83002},{"sentences":[{"text":"So target weight.","start":396.89,"end":398.01,"sentiment":"neutral","sentiment_score":0.046051460007826485},{"text":"So Ben Long's gone to zero because that's being sold.","start":398.01,"end":400.60498,"sentiment":"neutral","sentiment_score":-0.01434823740273714},{"text":"Now the the ones underneath it that are sevens, that's just a bit of a rebalance.","start":400.905,"end":405.56497,"sentiment":"neutral","sentiment_score":-0.09799157525412738},{"text":"So as they go up and down, we just bring them back to the 7% for those satellite options.","start":405.78497,"end":410.28497,"sentiment":"neutral","sentiment_score":0.04748163391885005},{"text":"So your battery tech and your lithium, your safe stuff, your China shares, all that stuff, and your gold, we just bring them back to the weightings that they should be at.","start":410.34497,"end":418.32,"sentiment":"neutral","sentiment_score":0.10166382952593267}],"sentiment":"neutral","sentiment_score":0.03227750489022583,"num_words":80,"start":396.89,"end":418.32},{"sentences":[{"text":"The bottom one, that's your replacement, the Alfiniti Australian share.","start":419.74,"end":423.74,"sentiment":"neutral","sentiment_score":0.13209655955433847},{"text":"That's the one that's replacing Benelon.","start":423.74,"end":425.6,"sentiment":"neutral","sentiment_score":0.1335268517335256},{"text":"K.","start":427.18,"end":427.5,"sentiment":"neutral","sentiment_score":0.11680525541305542},{"text":"So that one is about 10% cheaper and has smashed over $1.03, 5, and 10 years, and it's actually beaten the Aussie market over those periods as well.","start":427.5,"end":437.035,"sentiment":"neutral","sentiment_score":0.2977289466985634},{"text":"So it's a good replacement.","start":437.175,"end":438.795,"sentiment":"positive","sentiment_score":0.548715478181839}],"sentiment":"neutral","sentiment_score":0.2663783971965313,"num_words":50,"start":419.74,"end":438.795},{"sentences":[{"text":"You've still got a bit of cash in the super.","start":439.655,"end":441.335,"sentiment":"positive","sentiment_score":0.3857254505157471},{"text":"That's just, you know, contributions come in.","start":441.335,"end":443.095,"sentiment":"neutral","sentiment_score":0.24129808800561087},{"text":"It's about to be invested.","start":443.095,"end":444.315,"sentiment":"neutral","sentiment_score":0.25101383328437804},{"text":"So that's that tiny table on the next page.","start":444.48,"end":446.90002,"sentiment":"neutral","sentiment_score":0.2328987287150489},{"text":"Now we get into the meat and potatoes of it.","start":448.16,"end":450.34,"sentiment":"neutral","sentiment_score":0.09032121747732162}],"sentiment":"neutral","sentiment_score":0.23904173221529984,"num_words":41,"start":439.655,"end":450.34},{"sentences":[{"text":"Nineteen's got your colored pie chart for your asset allocation.","start":450.48,"end":453.54,"sentiment":"neutral","sentiment_score":0.08389285132288933},{"text":"All I'm saying here is high growth is between 90 to a 100% growth assets.","start":455.12,"end":459.30002,"sentiment":"neutral","sentiment_score":0.10036158636212349},{"text":"You're sitting at 91.","start":459.455,"end":460.735,"sentiment":"neutral","sentiment_score":0.012778554577380419},{"text":"Once we rebalance it, you're gonna be basically about 92%.","start":460.735,"end":464.035,"sentiment":"neutral","sentiment_score":0.032009894773364064},{"text":"That's that middle row in the gray that says growth total.","start":464.175,"end":467.395,"sentiment":"neutral","sentiment_score":0.024652665650302715}],"sentiment":"neutral","sentiment_score":0.059734895937144754,"num_words":50,"start":450.48,"end":467.395},{"sentences":[{"text":"Cool.","start":471.535,"end":471.96,"sentiment":"neutral","sentiment_score":0.1350388377904892},{"text":"Now for the fee differences and everything, if you go down to fee comparison, that's the next page, blue table there, and it should show current recommended in difference.","start":472.28,"end":483.975,"sentiment":"neutral","sentiment_score":0.06934411592524627},{"text":"Cool.","start":489.015,"end":489.515,"sentiment":"neutral","sentiment_score":0.3011578619480133},{"text":"So right hand side, the difference on the investment fees, that's at $1.32.","start":489.575,"end":494.475,"sentiment":"neutral","sentiment_score":0.16065472192489183},{"text":"Again, goes from a thousand to 900, and the average returns over five years at the bottom, they jump up from 10 to 12.","start":494.615,"end":502.44998,"sentiment":"neutral","sentiment_score":0.1800741022452712}],"sentiment":"neutral","sentiment_score":0.13025685147765806,"num_words":68,"start":471.535,"end":502.44998},{"sentences":[{"text":"The bottom table underneath, that's got your updated projections with the new options in there.","start":508.34998,"end":514.27496,"sentiment":"neutral","sentiment_score":0.12375741451978683},{"text":"So from 348,000 to $3.94 over five years and over ten years from 500,000 to $6.36 is the estimate.","start":514.735,"end":523.63495,"sentiment":"neutral","sentiment_score":0.08053607768134068},{"text":"Yes.","start":538.15,"end":538.455,"sentiment":"neutral","sentiment_score":0.010990837588906288},{"text":"No.","start":548.135,"end":548.375,"sentiment":"neutral","sentiment_score":-0.1345129907131195},{"text":"They're going down.","start":548.375,"end":549.35504,"sentiment":"neutral","sentiment_score":-0.14845440040032068}],"sentiment":"neutral","sentiment_score":0.07224772665172051,"num_words":39,"start":508.34998,"end":549.35504},{"sentences":[{"text":"Yep.","start":551.73505,"end":552.23505,"sentiment":"neutral","sentiment_score":0.07749320566654205},{"text":"So the option that I'm replacing Benelon with, it's cheaper and better.","start":552.49,"end":556.19,"sentiment":"neutral","sentiment_score":0.10864616930484772},{"text":"The other thing I want to just quickly flag with you is we're looking at a bit of salary sacrifice, and it wasn't showing up in the transaction history.","start":559.37,"end":570.745,"sentiment":"neutral","sentiment_score":-0.04373858066211487},{"text":"I think you're expecting $50 a week from work to go in there, but there's nothing that's right.","start":572.165,"end":581.52,"sentiment":"neutral","sentiment_score":-0.049747701475603714},{"text":"Okay.","start":581.52,"end":581.76,"sentiment":"neutral","sentiment_score":0.05343402177095413}],"sentiment":"neutral","sentiment_score":-0.011954036174861134,"num_words":61,"start":551.73505,"end":581.76},{"sentences":[{"text":"So I've just put that in there as the recommendation just to make sure you can see what that does to the take home pay and the super and everything.","start":581.76,"end":588.82,"sentiment":"neutral","sentiment_score":0.11471947245299816},{"text":"So that's in the projections as well.","start":589.60004,"end":591.54004,"sentiment":"neutral","sentiment_score":0.17070800917489187},{"text":"And the performance table on page 21, that shows you the one year, three year, five year, ten year.","start":591.92004,"end":599.625,"sentiment":"neutral","sentiment_score":0.09328294153276243},{"text":"Any questions on that one?","start":603.605,"end":605.22504,"sentiment":"neutral","sentiment_score":0.021682567708194257},{"text":"Beautiful.","start":607.925,"end":608.425,"sentiment":"positive","sentiment_score":0.3592836856842041}],"sentiment":"neutral","sentiment_score":0.11091310727680402,"num_words":62,"start":581.76,"end":608.425},{"sentences":[{"text":"Alrighty.","start":608.805,"end":609.305,"sentiment":"positive","sentiment_score":0.37987446784973145},{"text":"So a little bit of contributions would be lovely.","start":609.365,"end":611.61005,"sentiment":"positive","sentiment_score":0.5296624600887299},{"text":"The portfolio is going to be much better.","start":611.75,"end":613.61005,"sentiment":"positive","sentiment_score":0.47899481654167175},{"text":"At least get the fees down, performance back up.","start":614.71,"end":617.53,"sentiment":"neutral","sentiment_score":0.21623265743255615},{"text":"The only other thing is with the the income protection, that was the only thing that I couldn't get across the line.","start":620.63,"end":626.845,"sentiment":"neutral","sentiment_score":-0.28259324824268167}],"sentiment":"neutral","sentiment_score":0.09607831829664659,"num_words":49,"start":608.805,"end":626.845},{"sentences":[{"text":"I tried to go to to bump up the income protection a little bit, but the moment we added in the truck driving on there, they put it as a special risk, which would have switched your your definition to a worse one to bump up the cover.","start":627.545,"end":641.04004,"sentiment":"neutral","sentiment_score":-0.21305963645378748},{"text":"And then the premiums were another few thousand dollars on top.","start":641.18,"end":644.16003,"sentiment":"neutral","sentiment_score":-0.13284701853990555},{"text":"So I've added that into the appendix just so you've got that research there.","start":644.7,"end":649.36005,"sentiment":"neutral","sentiment_score":0.08336408037160124},{"text":"But the moment, I can actually bump you up without it stuffing up your definition because you don't wanna have that thing where you can't claim on it, and you'd probably don't want it to go up a few thousand dollars as well.","start":649.605,"end":660.265,"sentiment":"neutral","sentiment_score":-0.10657260974132737},{"text":"So that's the only thing is we're gonna have to keep the income protection at the 5,000 a month benefit instead of bumping it up.","start":661.445,"end":668.01,"sentiment":"neutral","sentiment_score":0.06530360385775566}],"sentiment":"neutral","sentiment_score":-0.09553982092873424,"num_words":141,"start":627.545,"end":668.01},{"sentences":[{"text":"But as soon as I can get that bumped up, I'll I'll run that by you as well.","start":668.14996,"end":672.41,"sentiment":"neutral","sentiment_score":0.11971008156736691},{"text":"Cool.","start":674.47,"end":674.955,"sentiment":"positive","sentiment_score":0.37213099002838135},{"text":"Outside of that, I think we've just got some services at the bottom and everything else.","start":677.35504,"end":683.275,"sentiment":"neutral","sentiment_score":0.12385253654792905},{"text":"So when you go through this one, you've got you've been scrolling through the document.","start":683.275,"end":688.715,"sentiment":"neutral","sentiment_score":0.12286894023418427},{"text":"The buttons will bring you to the authority to proceed.","start":688.715,"end":691.38,"sentiment":"neutral","sentiment_score":0.11779847368597984}],"sentiment":"neutral","sentiment_score":0.12549286472300689,"num_words":60,"start":668.14996,"end":691.38},{"sentences":[{"text":"If you're happy with the plan, give that a sign.","start":691.38,"end":694.28,"sentiment":"neutral","sentiment_score":0.3203509137034416},{"text":"We'll jump on hub and switch the investments around this week for you.","start":694.34,"end":697.72003,"sentiment":"neutral","sentiment_score":0.23940253830873048},{"text":"Outside of that, the appendix has the research.","start":699.38,"end":701.88,"sentiment":"neutral","sentiment_score":-0.011441851500421762},{"text":"You've got a the service agreement from your review if you're still comfortable for us to run this for the year, and then you've just got the usual review documents, the summary of everything, your certificates for the insurer, your updated services guide with us.","start":702.34,"end":717.07,"sentiment":"neutral","sentiment_score":0.08175219645102819},{"text":"Awesome, mate.","start":719.20996,"end":720.11,"sentiment":"positive","sentiment_score":0.5978058576583862}],"sentiment":"neutral","sentiment_score":0.1422906138289433,"num_words":78,"start":691.38,"end":720.11},{"sentences":[{"text":"I know you said probably weren't expecting the call today and maybe a bit short on time, but do you have any questions for me so far?","start":720.32996,"end":726.02997,"sentiment":"neutral","sentiment_score":0.042797992626825966},{"text":"Beautiful.","start":731.70496,"end":732.20496,"sentiment":"neutral","sentiment_score":0.0012668082490563393},{"text":"So once you get that authority and service agreement signed, what it basically does is the buttons bring you to the spot to stamp your signature and dates on, and then there'll be a little purple button saying next document.","start":732.505,"end":746.43,"sentiment":"neutral","sentiment_score":0.08536903988569974},{"text":"You don't have to scroll through all the documents.","start":746.49,"end":748.65,"sentiment":"neutral","sentiment_score":0.08845349980725183},{"text":"You can just skip by the other ones.","start":748.65,"end":750.51,"sentiment":"neutral","sentiment_score":0.11495885066688061}],"sentiment":"neutral","sentiment_score":0.07396854715531363,"num_words":85,"start":720.32996,"end":750.51},{"sentences":[{"text":"And once you get to the last one, it'll have a validate button, which basically says it'll load for a second and say, hey.","start":750.65,"end":757.77,"sentiment":"neutral","sentiment_score":0.11565764124194781},{"text":"Do you wanna save a signed copy for your records?","start":757.77,"end":760.395,"sentiment":"neutral","sentiment_score":0.10891196057200432},{"text":"Goody.","start":764.635,"end":765.135,"sentiment":"positive","sentiment_score":0.4761107861995697},{"text":"Is there anything else I can help you with at the moment besides getting those investments switched around?","start":765.35504,"end":770.575,"sentiment":"neutral","sentiment_score":0.24948188579744762},{"text":"Cool, man.","start":776.19,"end":779.17,"sentiment":"neutral","sentiment_score":0.10174540802836418}],"sentiment":"neutral","sentiment_score":0.16427597349340264,"num_words":55,"start":750.65,"end":779.17},{"sentences":[{"text":"Alright.","start":779.39,"end":779.63,"sentiment":"neutral","sentiment_score":0.19955258071422577},{"text":"Well, as always, I'll be keeping an eye on things.","start":779.63,"end":782.67,"sentiment":"neutral","sentiment_score":0.2488078236579895},{"text":"But do you want me to put in for a bit of a catch up sometime towards the end of this year, or you just wanna wait for the next annual review?","start":782.67,"end":790.855,"sentiment":"neutral","sentiment_score":0.101096585043706},{"text":"What would be your your preference?","start":790.855,"end":792.475,"sentiment":"neutral","sentiment_score":0.07882706572612126},{"text":"Yeah.","start":799.175,"end":799.495,"sentiment":"neutral","sentiment_score":0.25136449933052063}],"sentiment":"neutral","sentiment_score":0.13294096864759922,"num_words":50,"start":779.39,"end":799.495},{"sentences":[{"text":"Look.","start":799.495,"end":799.995,"sentiment":"neutral","sentiment_score":0.27002495527267456},{"text":"Anytime.","start":800.055,"end":800.555,"sentiment":"neutral","sentiment_score":0.2547340393066406},{"text":"Buzz up.","start":801.01495,"end":801.735,"sentiment":"positive","sentiment_score":0.33832794427871704},{"text":"Get booked in.","start":801.735,"end":802.57,"sentiment":"positive","sentiment_score":0.39050241311391193},{"text":"I'm happy to chat.","start":802.57,"end":804.11,"sentiment":"positive","sentiment_score":0.669574499130249}],"sentiment":"positive","sentiment_score":0.4592018289999528,"num_words":11,"start":799.495,"end":804.11},{"sentences":[{"text":"If you wanna email, text in any questions, let us know.","start":804.17,"end":807.38995,"sentiment":"positive","sentiment_score":0.4325817444107749},{"text":"And outside of that, mate, I'll just put in for a bit of a catch up end of financial year next year.","start":807.45,"end":813.55,"sentiment":"neutral","sentiment_score":0.24380808797749606},{"text":"Beauty.","start":816.17,"end":816.67,"sentiment":"neutral","sentiment_score":0.26955240964889526},{"text":"Any questions for me before I let you go, Kev?","start":817.755,"end":819.77496,"sentiment":"neutral","sentiment_score":0.07749720551073551},{"text":"Cool.","start":824.39496,"end":824.89496,"sentiment":"neutral","sentiment_score":0.16525672376155853}],"sentiment":"neutral","sentiment_score":0.25182129583424995,"num_words":45,"start":804.17,"end":824.89496},{"sentences":[{"text":"It skips through to the next one.","start":827.355,"end":829.27496,"sentiment":"neutral","sentiment_score":0.035758357495069504},{"text":"So there's only two documents to sign, but there's about six documents to skip through because it's all your annual review pack.","start":829.27496,"end":835.32,"sentiment":"neutral","sentiment_score":0.08316154778003693},{"text":"So you basically just gotta go next document, next document all the way to the end, and then it will have a validate button at the bottom.","start":835.7,"end":841.88,"sentiment":"neutral","sentiment_score":0.12970293699591248},{"text":"Just give that a go for me to see if that works.","start":843.86,"end":845.835,"sentiment":"neutral","sentiment_score":0.23105544596910477},{"text":"Yeah.","start":857.995,"end":858.155,"sentiment":"neutral","sentiment_score":0.02055799216032028}],"sentiment":"neutral","sentiment_score":0.12137775646819585,"num_words":69,"start":827.355,"end":858.155},{"sentences":[{"text":"So we're already past the reference date for those.","start":858.155,"end":860.81995,"sentiment":"neutral","sentiment_score":-0.04508601480887996},{"text":"So I just wanted to double check that you're obviously happy for us to look after things at the moment.","start":860.81995,"end":864.6,"sentiment":"positive","sentiment_score":0.4797027215361595},{"text":"Cool.","start":866.5,"end":867.0,"sentiment":"positive","sentiment_score":0.5788242816925049},{"text":"The other thing that I mentioned on the last call, but I'll kind of reiterate today as well, is next year, Sevvy and Bard are coming up with a bit of a tiered fee structure for all the clients.","start":873.06,"end":883.325,"sentiment":"neutral","sentiment_score":0.22087806998155055},{"text":"So everyone above 200,000, we're gonna start getting some discounts applied.","start":883.625,"end":887.945,"sentiment":"neutral","sentiment_score":0.26817795634269714}],"sentiment":"neutral","sentiment_score":0.2666413353523239,"num_words":80,"start":858.155,"end":887.945},{"sentences":[{"text":"And because you're above 200 now, when we have that conversation next year, I should have the paperwork ready to move you across to the new agreements as well.","start":887.945,"end":896.5,"sentiment":"neutral","sentiment_score":0.20392050105949927},{"text":"Cool.","start":900.08,"end":900.58,"sentiment":"positive","sentiment_score":0.34918028116226196},{"text":"And then hopefully, we can have a bit of a chat next year about doing some investment.","start":901.2,"end":904.57495,"sentiment":"neutral","sentiment_score":0.23484571015133576},{"text":"But, again, I'm assuming you're still focusing on the property side of things and probably got a bit going on.","start":904.57495,"end":910.27496,"sentiment":"neutral","sentiment_score":0.08719870559871197},{"text":"Yeah.","start":912.01495,"end":912.415,"sentiment":"neutral","sentiment_score":0.1449795961380005}],"sentiment":"neutral","sentiment_score":0.17859125871430426,"num_words":68,"start":887.945,"end":912.415},{"sentences":[{"text":"Cool.","start":912.415,"end":912.915,"sentiment":"neutral","sentiment_score":0.22265207767486572},{"text":"Yeah.","start":914.57495,"end":914.89496,"sentiment":"neutral","sentiment_score":0.19896629452705383},{"text":"I'll I'll broach it with you every year.","start":914.89496,"end":916.175,"sentiment":"neutral","sentiment_score":0.20797889307141304},{"text":"And if it comes to a point where you wanna dive into some investing, we can look at it.","start":916.175,"end":919.60004,"sentiment":"neutral","sentiment_score":0.16810955107212067},{"text":"But, again, just, you know, deal with the priorities first, and then when you're comfortable to look at it, just let me know.","start":919.60004,"end":925.38,"sentiment":"neutral","sentiment_score":0.1472491537747176}],"sentiment":"neutral","sentiment_score":0.1666588754608081,"num_words":52,"start":912.415,"end":925.38},{"sentences":[{"text":"Awesome, Kevin.","start":928.32,"end":929.04004,"sentiment":"positive","sentiment_score":0.3653348833322525},{"text":"Just is it doing the old circle spin?","start":929.04004,"end":933.095,"sentiment":"neutral","sentiment_score":0.08661205787211657},{"text":"Oh, no.","start":940.595,"end":941.15497,"sentiment":"neutral","sentiment_score":0.032129609026014805},{"text":"It does that for everyone.","start":941.15497,"end":942.27496,"sentiment":"neutral","sentiment_score":0.0832386553287506},{"text":"Sometimes it takes a few seconds, but because this one's got your annual review pack in there, probably takes an extra thirty seconds or so.","start":942.27496,"end":949.42,"sentiment":"neutral","sentiment_score":0.10667744919657707}],"sentiment":"neutral","sentiment_score":0.1088322608155154,"num_words":42,"start":928.32,"end":949.42},{"sentences":[{"text":"Beautiful.","start":954.51996,"end":954.92,"sentiment":"positive","sentiment_score":0.5822457075119019},{"text":"That's come through on my end as well, mate.","start":954.92,"end":956.68,"sentiment":"positive","sentiment_score":0.40099971493085224},{"text":"So, again, when you hit validate, it'll ask you to download a copy for yourself.","start":956.68,"end":960.15497,"sentiment":"neutral","sentiment_score":0.24653875132401784},{"text":"But if you ever want a copy, we can send it through to you as 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Please help. Yeah. Yeah. I'll put you on speaker and have a look. Yeah. Yeah. I forgot you were ringing today. No. You're alright. I'm just lying here a little bit ill. It should be alright. Yeah. Now where am I clicking? Do I hit the sign document? Yeah. Yep. It's a September. Hundred and fifty eight minute cross for activity. Yep. Yeah. Nonconsidered. Yeah. Yeah. Nope. Yep. Yep. Yep. Hello? Good job. Hello? No. Yep. Nope. Yep. Yeah. Getting rid of that Ben alone. Yep. Yeah. Nope. Yep. Yep. I'm page 17. Yeah. I think it oh, target weight. Yeah. Sorry. I was looking sideways, not up and down. No. No. Yep. Yep. Yep. Mhmm. No. Yeah. So what's this? This is phase digitized. I'm age 20. So how much the fees going up? $79. I've gone down. Yep. Yeah. Correct. Yeah. That's because it was with the last flight, it's not this one yet. Yep. Yep. Yeah. No. Yep. Yep. Yep. Yeah. Yep. Yeah. Yep. Yeah. Okay. No. Yep. No. I don't know. Negative. No. Alright. I didn't ask for my 65 phone. 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Please help. Yeah. Yeah. I'll put you on speaker and have a look.\n\nYeah. Yeah. I forgot you were ringing today. No. You're alright.\n\nI'm just lying here a little bit ill. It should be alright. Yeah. Now where am I clicking? Do I hit the sign document?\n\nYeah. Yep. It's a September. Hundred and fifty eight minute cross for activity. Yep.\n\nYeah. Nonconsidered. Yeah. Yeah. Nope.\n\nYep. Yep. Yep. Hello? Good job.\n\nHello? No. Yep. Nope. Yep.\n\nYeah. Getting rid of that Ben alone. Yep. Yeah. Nope.\n\nYep. Yep. I'm page 17. Yeah. I think it oh, target weight.\n\nYeah. Sorry. I was looking sideways, not up and down. No. No.\n\nYep. Yep. Yep. Mhmm. No.\n\nYeah. So what's this? This is phase digitized. I'm age 20. So how much the fees going up?\n\n$79. I've gone down. Yep. Yeah. Correct.\n\nYeah. That's because it was with the last flight, it's not this one yet. Yep. Yep. Yeah.\n\nNo. Yep. Yep. Yep. Yeah.\n\nYep. Yeah. Yep. Yeah. Okay.\n\nNo. Yep. No. I don't know. 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Graham.","start":975.26,"end":976.16003,"sentiment":"positive","sentiment_score":0.6520284116268158}],"sentiment":"positive","sentiment_score":0.4155928875718798,"num_words":7,"start":963.675,"end":976.16003},{"sentences":[{"text":"Okay.","start":980.80493,"end":981.30493,"sentiment":"positive","sentiment_score":0.35937464237213135},{"text":"Get you, mate.","start":984.56494,"end":985.38495,"sentiment":"positive","sentiment_score":0.4917933444182078},{"text":"Bye.","start":986.32495,"end":986.64496,"sentiment":"neutral","sentiment_score":0.18044579029083252},{"text":"Bye.","start":986.64496,"end":987.14496,"sentiment":"neutral","sentiment_score":-0.11380527168512344}],"sentiment":"neutral","sentiment_score":0.316899199038744,"num_words":6,"start":980.80493,"end":987.14496}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Please help.\n\nChannel 0: Kevin, Tommy here from Oakview, mate. How are you doing? Right. Living the absolute dream over here. I've got you booked in for that updated advice chat.\n\nHave you got time for me?\n\nChannel 1: Yeah.\n\nChannel 0: Fantastic. Mate, I'm gonna pop through this email to you. I'll go through a quick security check. Will you be able to look on to the document with me today?\n\nChannel 1: Yeah. I'll put you on speaker and have a look.\n\nChannel 0: Fantastic. So that'll come through there. While that's popping through, Kev, could I just get your date of birth and address for security for me?\n\nChannel 1: Yeah. Yeah. I forgot you were ringing today.\n\nChannel 0: Apologies for that, mate. I won't take up too much time. I'll leave the advice document with you today, but just wanted to walk through the key points for a few minutes. But if you do need to hop off, just let me know.\n\nChannel 1: No. You're alright.\n\nChannel 0: Appreciate\n\nChannel 1: I'm just\n\nChannel 0: that.\n\nChannel 1: lying here a little bit ill. It should\n\nChannel 0: Oh,\n\nChannel 1: be alright.\n\nChannel 0: mate. Half the office is out at the moment. I know what it's like, and I've got three kids now, so I'm trying to avoid as much of it as possible from day care germs.\n\nChannel 1: Yeah. Now where am\n\nChannel 0: You know\n\nChannel 1: I\n\nChannel 0: what?\n\nChannel 1: clicking?\n\nChannel 0: That's fine. So\n\nChannel 1: Do I\n\nChannel 0: in\n\nChannel 1: hit\n\nChannel 0: the\n\nChannel 1: the sign document?\n\nChannel 0: yeah. So that button brings up the documents to scroll through. It doesn't actually sign anything. And then\n\nChannel 1: Yeah.\n\nChannel 0: if you're happy with it, we can give that a go.\n\nChannel 1: Yep.\n\nChannel 0: Now I'm obviously registered with Asica's adviser 1 273105. That's on the document as well. Mate, could you just check me your date of birth and address?\n\nChannel 1: It's a September. Hundred and fifty eight minute cross for activity.\n\nChannel 0: Beautiful. Sensational. Beautiful. Now can you see that first document should be like a beachfront city, Gold Coast looking\n\nChannel 1: Yep.\n\nChannel 0: picture? So what I've done on here, there's four documents. There is oh, sorry. Actually, there's quite a few documents on there. We've got the statement of advice.\n\nThere's some research appendix on there as well. Few annual review documents from our last chat. But the main thing is if you can just go through to page four, it's got the scope of advice there.\n\nChannel 1: Yeah. Nonconsidered.\n\nChannel 0: Yep. So and the page before that is what is counted and considered. And we've\n\nChannel 1: Yeah.\n\nChannel 0: got superannuation. So the main thing was two things. You've got an early retirement age at 60, and the other thing was pretty much you've had heaps of contributions going in. Growth was a bit slowed down, and we were talking about fixing up the portfolio with a few options there\n\nChannel 1: Yeah.\n\nChannel 0: and also a little bit of, like, the salary sacrifice, that kind of thing.\n\nChannel 1: Nope.\n\nChannel 0: Now the other thing was the insurances side of things. We were looking at bumping up the income protection a little bit to cover you the 1,500 a week to live on. It's a bit low at the moment, so we're looking\n\nChannel 1: Yep.\n\nChannel 0: at bumping that up a bit. And the page five where you said not considered,\n\nChannel 1: Yep.\n\nChannel 0: we're not doing anything for estate planning. You've got everything pretty much in line with your wishes, so we don't need to update your estate plan. And I'm not giving you advice on debt management. You're obviously paying down the mortgage, sorting out the land and everything. And we basically just talked about, you know, long term goal, purchase some lands, build the families for over home, and that's down the line.\n\nChannel 1: Yep.\n\nChannel 0: Investment on page six. We were talking about investing at\n\nChannel 1: Hello?\n\nChannel 0: some point, and we were talking about maybe doing some investing in shares and ETFs and things like that. But at the moment, it's probably not the right time to do it because you're obviously trying to focus on those property goals. And then once you've got a bit of a handle on cash flow after those, we were gonna look at some personal investing down the line. Does that ring a bell?\n\nChannel 1: Good job.\n\nChannel 0: Absolutely. So if you flick down to the about you section and assets on pages eight and nine.\n\nChannel 1: Hello?\n\nChannel 0: We've got the updated occupation there with the truck driving. We've got the income updated email address for your Gmail. Assets and liabilities, we've got your home, vehicle, cash, shares, and the new Harley that you got.\n\nChannel 1: No.\n\nChannel 0: And then, obviously, you're doing the vehicle, like, salary packaging through LDV.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Now if you flick down, we've got your super in hub. We've got that towel insurance policy, 400,000, 400,000 of life and TPD, bit of income\n\nChannel 1: Nope.\n\nChannel 0: protection on there as well, and a bit of trauma and TPD that you're paying out of pocket. Remember, that's the one that we did smokers rights removal of. So that's looking really good premiums wise.\n\nChannel 1: Yep.\n\nChannel 0: Now page 12, high growth for the risk profile. Again, we were just talking about fixing up any of the options that weren't performing well rather than changing your risk level up or down.\n\nChannel 1: Yeah. Getting rid of that Ben alone.\n\nChannel 0: That's the one. Strategy recommendations on 14. It's a big wall of text there. I just want to summarize it for you. So the investments that we found to replace Bennelong and a few other ones, basically, lower fees, better performance, and\n\nChannel 1: Yep.\n\nChannel 0: keeps you in line with your asset allocation. Just bear in mind, all the investments we're using, the ETFs. So, again, there's a bit of a a brokerage fee to purchase them up front. And then\n\nChannel 1: Yeah.\n\nChannel 0: once you've got them, they're the lowest fee going forward.\n\nChannel 1: Nope.\n\nChannel 0: I've kept the active replacement for Benelon. Alfiniti is in there instead. I'll show you that in a sec. And basically, what I just said is in the table on page 15, advantages and disadvantages. Basically says lower the fees, improve the performance, and there's some brokerage fees.\n\nAnd of course, the markets perform the way they do.\n\nChannel 1: Yep.\n\nChannel 0: The main crunch part, if you can please fling down to the tables for me, page 17, the investments table.\n\nChannel 1: Yep.\n\nChannel 0: So can you see the second last column where it's got target weight? And all the figures down there, they're all round numbers, 7%, 0%, 30%, that kind of thing.\n\nChannel 1: I'm page 17.\n\nChannel 0: On page yeah. Seventeen and 18 has a big blue table investments.\n\nChannel 1: Yeah. I think it\n\nChannel 0: And you should be able to see on the\n\nChannel 1: oh,\n\nChannel 0: left\n\nChannel 1: target\n\nChannel 0: hand\n\nChannel 1: weight.\n\nChannel 0: side like\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: Sorry. I was looking sideways, not up and down.\n\nChannel 0: yeah. No. That's all good. So target weight. So Ben Long's gone to zero because that's being sold.\n\nNow\n\nChannel 1: No.\n\nChannel 0: the the ones underneath it that are sevens, that's just a bit of a rebalance. So as they go up and down, we just bring them back to the 7% for those satellite options. So your\n\nChannel 1: No.\n\nChannel 0: battery tech and your lithium, your safe stuff, your China shares, all that stuff, and your gold, we just bring them back to the weightings that they should be at. The bottom one, that's your replacement, the Alfiniti Australian share. That's the one that's replacing Benelon.\n\nChannel 1: Yep.\n\nChannel 0: K. So that one is about 10% cheaper and has smashed over $1.03, 5, and 10 years, and it's actually beaten the Aussie market over those periods as well. So it's a good\n\nChannel 1: Yep.\n\nChannel 0: replacement. You've still got a bit of cash in the super. That's just, you know, contributions come in. It's about to be invested. So that's that tiny table on the next page.\n\nChannel 1: Yep.\n\nChannel 0: Now we get into the meat and potatoes of it. Nineteen's got your colored pie chart for your asset allocation.\n\nChannel 1: Mhmm.\n\nChannel 0: All I'm saying here is high growth is between 90 to a 100% growth assets. You're sitting at 91. Once we rebalance it, you're gonna be basically about 92%. That's that middle row in the gray that says growth total.\n\nChannel 1: No.\n\nChannel 0: Cool. Now for the fee differences and everything, if you go down to fee comparison, that's the next page, blue table there, and it should show current recommended in difference.\n\nChannel 1: Yeah.\n\nChannel 0: Cool. So right hand side, the difference on the investment fees, that's at $1.32. Again, goes from a thousand to 900, and the average returns over five years at the bottom, they jump up from 10 to 12. The bottom table underneath, that's got your updated projections with the new options in there. So from 348,000 to $3.94 over five years and over ten years from 500,000 to $6.36 is the estimate.\n\nChannel 1: So what's this? This is phase digitized. I'm age\n\nChannel 0: Yes.\n\nChannel 1: 20. So how much the fees going up? $79.\n\nChannel 0: No. They're going down.\n\nChannel 1: I've gone down.\n\nChannel 0: Yep. So the option that I'm replacing Benelon with, it's cheaper and better.\n\nChannel 1: Yep. Yeah. Correct.\n\nChannel 0: The other thing I want to just quickly flag with you is we're looking at a bit of salary sacrifice, and it wasn't showing up in the transaction history. I think you're expecting $50 a week from work to go in there, but\n\nChannel 1: Yeah. That's\n\nChannel 0: there's\n\nChannel 1: because\n\nChannel 0: nothing\n\nChannel 1: it was with the last flight, it's not this one yet.\n\nChannel 0: that's right. Okay. So I've just put that in there as the recommendation just to make sure you can see what that does to the take home pay and the super and everything.\n\nChannel 1: Yep.\n\nChannel 0: So that's in the projections as well. And the performance table on page 21, that shows you the one year, three year, five year, ten year.\n\nChannel 1: Yep.\n\nChannel 0: Any\n\nChannel 1: Yeah.\n\nChannel 0: questions on that one?\n\nChannel 1: No.\n\nChannel 0: Beautiful. Alrighty. So a little bit of contributions would be lovely. The portfolio is going to be much better. At least get the fees down, performance back up.\n\nChannel 1: Yep.\n\nChannel 0: The only other thing is with the the income protection, that was the only thing that I couldn't get across the line. I tried to go to to bump up the income protection a little bit, but the moment\n\nChannel 1: Yep.\n\nChannel 0: we added in the truck driving on there, they put it as a special risk, which would have switched your your definition to a worse one to bump up the cover. And then the premiums\n\nChannel 1: Yep.\n\nChannel 0: were another few thousand dollars on top. So\n\nChannel 1: Yeah. Yep.\n\nChannel 0: I've added that into the appendix just so you've got that research there. But the moment, I can actually bump you up without it stuffing up your definition because you don't wanna have that thing where you can't claim on it, and you'd probably don't want it to go up a few thousand dollars as well.\n\nChannel 1: Yeah.\n\nChannel 0: So that's the only thing is we're gonna have to keep the income protection at the 5,000 a month benefit instead of bumping it up. But as soon as I can get that bumped up, I'll I'll run that by you as well.\n\nChannel 1: Yep.\n\nChannel 0: Cool.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Outside of that, I think we've just got some services at the bottom and everything else. So when you go through this one, you've got you've been scrolling through the document. The buttons will bring you to the authority to proceed. If you're happy with the plan, give that a sign. We'll jump on hub and switch the investments around this week for you.\n\nChannel 1: No.\n\nChannel 0: Outside of that, the appendix has the research. You've got a the service agreement from your review if you're still comfortable for us to run this for the year, and then you've just got the usual review documents, the summary of everything, your certificates for the insurer, your updated services guide with us.\n\nChannel 1: Yep.\n\nChannel 0: Awesome, mate. I know you said probably weren't expecting the call today and maybe a bit short on time, but do you have any questions for me so far?\n\nChannel 1: No. I don't know. Negative.\n\nChannel 0: Beautiful. So once you get that authority and service agreement signed, what it basically does is the buttons bring you to the spot to stamp your signature and dates on, and then there'll be a little purple button saying next document. You don't have to scroll through all the documents. You can just skip by the other ones. And once you get to the last one, it'll have a validate button, which basically says it'll load for a second and say, hey.\n\nDo you wanna save a signed copy for your records?\n\nChannel 1: No.\n\nChannel 0: Goody. Is there anything else I can help you with at the moment besides getting those investments switched around?\n\nChannel 1: Alright. I didn't ask\n\nChannel 0: Cool,\n\nChannel 1: for my 65 phone.\n\nChannel 0: man. Alright. Well, as always, I'll be keeping an eye on things. But do you want me to put in for a bit of a catch up sometime towards the end of this year, or you just wanna wait for the next annual review? What would be your your preference?\n\nChannel 1: Oh, I'm happy to wait because I bring this in the past just to query stuff on occasion anyway.\n\nChannel 0: Yeah. Look. Anytime. Buzz up. Get booked in.\n\nI'm happy to chat. If you wanna email, text in any questions, let us know. And outside of that, mate, I'll just put in for a bit of a catch up end of financial year next year. Beauty. Any questions for me before I let you go, Kev?\n\nChannel 1: Yep. No. That's that's it. Once\n\nChannel 0: Cool.\n\nChannel 1: I hit next document, what happens then?\n\nChannel 0: It skips through to the next one. So there's only two documents to sign, but there's about six documents to skip through because it's all your annual review pack. So you basically just gotta go next document, next document all the way to the end, and then it will have a validate button at the bottom. Just give that a go for me to see if that works.\n\nChannel 1: Yep. Yeah. We're Yeah. So your phase are coming out again soon?\n\nChannel 0: Yeah. So we're already past the reference date for those. So I just wanted to double check that you're obviously happy for us to look after things at the moment. Cool.\n\nChannel 1: 10AM. I just signed it.\n\nChannel 0: The other thing that I mentioned on the last call, but I'll kind of reiterate today as well, is next year, Sevvy and Bard are coming up with a bit of a tiered fee structure for all the clients. So everyone above 200,000, we're gonna start getting some discounts applied. And because you're above 200 now, when we have that conversation next year, I should have the paperwork ready to move you across to the new agreements as well.\n\nChannel 1: Yep.\n\nChannel 0: Cool. And then hopefully, we can have a bit of a chat next year about doing some investment. But, again, I'm assuming you're still focusing on the property side of things and probably got a bit going on.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Cool.\n\nChannel 1: Yeah. We're done.\n\nChannel 0: Yeah. I'll I'll broach it with you every year. And if it comes to a point where you wanna dive into some investing, we can look at it. But, again, just, you know, deal with the priorities first, and then when you're comfortable to look at it, just let me know.\n\nChannel 1: Yep. Well,\n\nChannel 0: Awesome,\n\nChannel 1: it's\n\nChannel 0: Kevin.\n\nChannel 1: still\n\nChannel 0: Just\n\nChannel 1: loading. It's just spinning spinning.\n\nChannel 0: is it doing the old\n\nChannel 1: Yep.\n\nChannel 0: circle spin?\n\nChannel 1: Yeah. I was like, I don't know whether I've dropped out or I'm connecting or\n\nChannel 0: Oh, no. It does that for everyone. Sometimes it takes a few seconds, but because this one's got your annual review pack in there, probably takes an extra thirty seconds or so.\n\nChannel 1: there you go. It's something that says.\n\nChannel 0: Beautiful. That's come through on my end as well, mate. So, again, when you hit validate, it'll ask you to download a copy for yourself. But if you ever want a copy, we can send it through to you as well.\n\nChannel 1: Yep.\n\nChannel 0: Amazing. Alrighty, mate.\n\nChannel 1: Yeah.\n\nChannel 0: Thank you so much for the time. I'm sorry that you that we almost missed each other today, but thanks for spending the time with\n\nChannel 1: No.\n\nChannel 0: me\n\nChannel 1: I'm good. Thanks, Graham.\n\nChannel 0: today. Anytime. Anytime at all. I shall talk to you soon, sir.\n\nChannel 1: Okay.\n\nChannel 0: Thanks, Kev. Take it easy, mate.\n\nChannel 1: Get you, mate.\n\nChannel 0: Bye.\n\nChannel 1: Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.16,"end":0.63,"sentiment":"neutral","sentiment_score":0.03838452696800232},{"text":"Please help.","start":0.63,"end":1.38,"sentiment":"neutral","sentiment_score":0.19392875581979752}],"sentiment":"neutral","sentiment_score":0.14208067953586578,"channel":1,"num_words":3,"start":0.16,"end":1.38},{"sentences":[{"text":"Kevin, Tommy here from Oakview, mate.","start":1.36,"end":3.04,"sentiment":"neutral","sentiment_score":0.24103324363629022},{"text":"How are you doing?","start":3.04,"end":3.86,"sentiment":"neutral","sentiment_score":0.27043356373906136},{"text":"Right.","start":5.6,"end":5.92,"sentiment":"positive","sentiment_score":0.37022894620895386},{"text":"Living the absolute dream over here.","start":5.92,"end":7.7599998,"sentiment":"positive","sentiment_score":0.6890715062618256},{"text":"I've got you booked in for that updated advice chat.","start":7.7599998,"end":10.639999,"sentiment":"neutral","sentiment_score":0.27362407445907594}],"sentiment":"positive","sentiment_score":0.36180860907943163,"channel":0,"num_words":27,"start":1.36,"end":10.639999},{"sentences":[{"text":"Have you got time for me?","start":10.639999,"end":11.94,"sentiment":"neutral","sentiment_score":0.15673656264940897}],"sentiment":"neutral","sentiment_score":0.15673656264940897,"channel":0,"num_words":6,"start":10.639999,"end":11.94},{"sentences":[{"text":"Yeah.","start":12.32,"end":12.82,"sentiment":"positive","sentiment_score":0.35419580340385437}],"sentiment":"positive","sentiment_score":0.35419580340385437,"channel":1,"num_words":1,"start":12.32,"end":12.82},{"sentences":[{"text":"Fantastic.","start":13.5199995,"end":14.0199995,"sentiment":"positive","sentiment_score":0.6976033449172974},{"text":"Mate, I'm gonna pop through this email to you.","start":14.545,"end":17.205,"sentiment":"positive","sentiment_score":0.3900725841522217},{"text":"I'll go through a quick security check.","start":17.825,"end":19.585,"sentiment":"neutral","sentiment_score":0.2217873271022524},{"text":"Will you be able to look on to the document with me today?","start":19.585,"end":21.845001,"sentiment":"neutral","sentiment_score":0.18126122997357294}],"sentiment":"neutral","sentiment_score":0.2705721293886503,"channel":0,"num_words":30,"start":13.5199995,"end":21.845001},{"sentences":[{"text":"Yeah.","start":22.785,"end":23.185001,"sentiment":"neutral","sentiment_score":0.06935228407382965},{"text":"I'll put you on speaker and have a look.","start":23.185001,"end":25.525,"sentiment":"neutral","sentiment_score":0.10037055528826183}],"sentiment":"neutral","sentiment_score":0.09726872816681861,"channel":1,"num_words":10,"start":22.785,"end":25.525},{"sentences":[{"text":"Fantastic.","start":26.385,"end":26.885,"sentiment":"positive","sentiment_score":0.4348386526107788},{"text":"So that'll come through there.","start":27.43,"end":28.95,"sentiment":"neutral","sentiment_score":0.2451723426580429},{"text":"While that's popping through, Kev, could I just get your date of birth and address for security for me?","start":28.95,"end":34.17,"sentiment":"neutral","sentiment_score":0.056307446603712286}],"sentiment":"neutral","sentiment_score":0.10922167405486106,"channel":0,"num_words":25,"start":26.385,"end":34.17},{"sentences":[{"text":"Yeah.","start":35.05,"end":35.55,"sentiment":"neutral","sentiment_score":0.002276048064231873},{"text":"Yeah.","start":37.29,"end":37.79,"sentiment":"neutral","sentiment_score":-0.008229500614106655},{"text":"I forgot you were ringing today.","start":41.475,"end":43.255,"sentiment":"neutral","sentiment_score":-0.07139766712983449}],"sentiment":"neutral","sentiment_score":-0.05429243191611022,"channel":1,"num_words":8,"start":35.05,"end":43.255},{"sentences":[{"text":"Apologies for that, mate.","start":44.005,"end":45.285,"sentiment":"neutral","sentiment_score":-0.2145489566028118},{"text":"I won't take up too much time.","start":45.285,"end":46.965,"sentiment":"neutral","sentiment_score":-0.14928137404578073},{"text":"I'll leave the advice document with you today, but just wanted to walk through the key points for a few minutes.","start":46.965,"end":53.07,"sentiment":"neutral","sentiment_score":0.013474970789892333},{"text":"But if you do need to hop off, just let me know.","start":53.07,"end":55.25,"sentiment":"neutral","sentiment_score":-0.020617267893006403}],"sentiment":"neutral","sentiment_score":-0.042445415292273865,"channel":0,"num_words":44,"start":44.005,"end":55.25},{"sentences":[{"text":"No.","start":55.69,"end":55.93,"sentiment":"neutral","sentiment_score":-0.15066668391227722},{"text":"You're 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document?","start":76.305,"end":77.685,"sentiment":"neutral","sentiment_score":-0.007746633763114612}],"sentiment":"neutral","sentiment_score":-0.007746633763114612,"channel":1,"num_words":3,"start":76.305,"end":77.685},{"sentences":[{"text":"yeah.","start":78.354996,"end":78.595,"sentiment":"neutral","sentiment_score":-0.001018729992210865},{"text":"So that button brings up the documents to scroll through.","start":78.595,"end":81.060005,"sentiment":"neutral","sentiment_score":-0.007953850645571947},{"text":"It doesn't actually sign anything.","start":81.060005,"end":82.520004,"sentiment":"neutral","sentiment_score":-0.05771208703517914},{"text":"And 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of that, I think we've just got some services at the bottom and everything else.","start":677.35504,"end":683.275,"sentiment":"neutral","sentiment_score":0.12385253654792905},{"text":"So when you go through this one, you've got you've been scrolling through the document.","start":683.275,"end":688.715,"sentiment":"neutral","sentiment_score":0.12286894023418427},{"text":"The buttons will bring you to the authority to proceed.","start":688.715,"end":691.38,"sentiment":"neutral","sentiment_score":0.11779847368597984},{"text":"If you're happy with the plan, give that a sign.","start":691.38,"end":694.28,"sentiment":"neutral","sentiment_score":0.3203509137034416},{"text":"We'll jump on hub and switch the investments around this week for you.","start":694.34,"end":697.72003,"sentiment":"neutral","sentiment_score":0.23940253830873048}],"sentiment":"neutral","sentiment_score":0.17685002437792718,"channel":0,"num_words":64,"start":677.35504,"end":697.72003},{"sentences":[{"text":"No.","start":698.255,"end":698.755,"sentiment":"neutral","sentiment_score":-0.04497126489877701}],"sentiment":"neutral","sentiment_score":-0.04497126489877701,"channel":1,"num_words":1,"start":698.255,"end":698.755},{"sentences":[{"text":"Outside of that, the appendix has the research.","start":699.38,"end":701.88,"sentiment":"neutral","sentiment_score":-0.011441851500421762},{"text":"You've got a the service agreement from your review if you're still comfortable for us to run this for the year, and then you've just got the usual review documents, the summary of everything, your certificates for the insurer, your updated services guide with us.","start":702.34,"end":717.07,"sentiment":"neutral","sentiment_score":0.08175219645102819}],"sentiment":"neutral","sentiment_score":0.06768517034514895,"channel":0,"num_words":53,"start":699.38,"end":717.07},{"sentences":[{"text":"Yep.","start":717.87,"end":718.185,"sentiment":"neutral","sentiment_score":0.2828701138496399}],"sentiment":"neutral","sentiment_score":0.2828701138496399,"channel":1,"num_words":1,"start":717.87,"end":718.185},{"sentences":[{"text":"Awesome, mate.","start":719.20996,"end":720.11,"sentiment":"positive","sentiment_score":0.5978058576583862},{"text":"I know you said probably weren't expecting the call today and maybe a bit short on time, but do you have any questions for me so 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there'll be a little purple button saying next document.","start":732.505,"end":746.43,"sentiment":"neutral","sentiment_score":0.08536903988569974},{"text":"You don't have to scroll through all the documents.","start":746.49,"end":748.65,"sentiment":"neutral","sentiment_score":0.08845349980725183},{"text":"You can just skip by the other ones.","start":748.65,"end":750.51,"sentiment":"neutral","sentiment_score":0.11495885066688061},{"text":"And once you get to the last one, it'll have a validate button, which basically says it'll load for a second and say, hey.","start":750.65,"end":757.77,"sentiment":"neutral","sentiment_score":0.11565764124194781}],"sentiment":"neutral","sentiment_score":0.09643370850102567,"channel":0,"num_words":82,"start":731.70496,"end":757.77},{"sentences":[{"text":"Do you wanna save a signed copy for your 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phone.","start":776.375,"end":777.995,"sentiment":"neutral","sentiment_score":0.09611622989177704}],"sentiment":"neutral","sentiment_score":0.09611622989177704,"channel":1,"num_words":4,"start":776.375,"end":777.995},{"sentences":[{"text":"man.","start":778.67,"end":779.17,"sentiment":"neutral","sentiment_score":0.08381861448287964},{"text":"Alright.","start":779.39,"end":779.63,"sentiment":"neutral","sentiment_score":0.19955258071422577},{"text":"Well, as always, I'll be keeping an eye on things.","start":779.63,"end":782.67,"sentiment":"neutral","sentiment_score":0.2488078236579895},{"text":"But do you want me to put in for a bit of a catch up sometime towards the end of this year, or you just wanna wait for the next annual review?","start":782.67,"end":790.855,"sentiment":"neutral","sentiment_score":0.101096585043706},{"text":"What would be your your preference?","start":790.855,"end":792.475,"sentiment":"neutral","sentiment_score":0.07882706572612126}],"sentiment":"neutral","sentiment_score":0.1295900509506464,"channel":0,"num_words":50,"start":778.67,"end":792.475},{"sentences":[{"text":"Oh, I'm happy to wait because I bring this in the past just to query stuff on occasion anyway.","start":792.685,"end":798.46497,"sentiment":"positive","sentiment_score":0.5154032738585221}],"sentiment":"positive","sentiment_score":0.5154032738585221,"channel":1,"num_words":19,"start":792.685,"end":798.46497},{"sentences":[{"text":"Yeah.","start":799.175,"end":799.495,"sentiment":"neutral","sentiment_score":0.25136449933052063},{"text":"Look.","start":799.495,"end":799.995,"sentiment":"neutral","sentiment_score":0.27002495527267456},{"text":"Anytime.","start":800.055,"end":800.555,"sentiment":"neutral","sentiment_score":0.2547340393066406},{"text":"Buzz 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Kev?","start":817.755,"end":819.77496,"sentiment":"neutral","sentiment_score":0.07749720551073551}],"sentiment":"neutral","sentiment_score":0.2884374913604309,"channel":0,"num_words":48,"start":802.57,"end":819.77496},{"sentences":[{"text":"Yep.","start":820.5,"end":821.0,"sentiment":"neutral","sentiment_score":0.03318670764565468},{"text":"No.","start":821.38,"end":821.62,"sentiment":"neutral","sentiment_score":-0.03332360088825226},{"text":"That's that's 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works.","start":843.86,"end":845.835,"sentiment":"neutral","sentiment_score":0.23105544596910477}],"sentiment":"neutral","sentiment_score":0.12286040006095872,"channel":0,"num_words":68,"start":827.355,"end":845.835},{"sentences":[{"text":"Yep.","start":848.74,"end":849.22003,"sentiment":"neutral","sentiment_score":0.1345972865819931},{"text":"Yeah.","start":849.22003,"end":849.46,"sentiment":"neutral","sentiment_score":0.12765364348888397},{"text":"We're Yeah.","start":849.46,"end":854.065,"sentiment":"neutral","sentiment_score":0.11698441579937933},{"text":"So your phase are coming out again soon?","start":854.065,"end":856.485,"sentiment":"neutral","sentiment_score":0.11353866662830114}],"sentiment":"neutral","sentiment_score":0.11704409122467041,"channel":1,"num_words":12,"start":848.74,"end":856.485},{"sentences":[{"text":"Yeah.","start":857.995,"end":858.155,"sentiment":"neutral","sentiment_score":0.02055799216032028},{"text":"So we're already past the reference date for 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next year, Sevvy and Bard are coming up with a bit of a tiered fee structure for all the clients.","start":873.06,"end":883.325,"sentiment":"neutral","sentiment_score":0.22087806998155055},{"text":"So everyone above 200,000, we're gonna start getting some discounts applied.","start":883.625,"end":887.945,"sentiment":"neutral","sentiment_score":0.26817795634269714},{"text":"And because you're above 200 now, when we have that conversation next year, I should have the paperwork ready to move you across to the new agreements as 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just spinning spinning.","start":929.805,"end":931.185,"sentiment":"neutral","sentiment_score":0.09961508587002754}],"sentiment":"neutral","sentiment_score":0.1093648463487625,"channel":1,"num_words":5,"start":929.245,"end":931.185},{"sentences":[{"text":"is it doing the old","start":930.72003,"end":932.02,"sentiment":"neutral","sentiment_score":0.08027215003967285}],"sentiment":"neutral","sentiment_score":0.08027215003967285,"channel":0,"num_words":5,"start":930.72003,"end":932.02},{"sentences":[{"text":"Yep.","start":932.045,"end":932.545,"sentiment":"neutral","sentiment_score":0.055118586868047714}],"sentiment":"neutral","sentiment_score":0.055118586868047714,"channel":1,"num_words":1,"start":932.045,"end":932.545},{"sentences":[{"text":"circle 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with","start":967.975,"end":973.45996,"sentiment":"neutral","sentiment_score":0.09472087522347768}],"sentiment":"neutral","sentiment_score":0.24120159327983856,"channel":0,"num_words":25,"start":966.77496,"end":973.45996},{"sentences":[{"text":"No.","start":974.62006,"end":974.86005,"sentiment":"neutral","sentiment_score":0.18041178584098816}],"sentiment":"neutral","sentiment_score":0.18041178584098816,"channel":1,"num_words":1,"start":974.62006,"end":974.86005},{"sentences":[{"text":"me","start":974.7999,"end":975.2999,"sentiment":"neutral","sentiment_score":0.2800348997116089}],"sentiment":"neutral","sentiment_score":0.2800348997116089,"channel":0,"num_words":1,"start":974.7999,"end":975.2999},{"sentences":[{"text":"I'm good.","start":974.86005,"end":975.26,"sentiment":"positive","sentiment_score":0.35425974428653717},{"text":"Thanks, Graham.","start":975.26,"end":976.16003,"sentiment":"positive","sentiment_score":0.6520284116268158}],"sentiment":"positive","sentiment_score":0.5031440779566765,"channel":1,"num_words":4,"start":974.86005,"end":976.16003},{"sentences":[{"text":"today.","start":976.63995,"end":977.13995,"sentiment":"positive","sentiment_score":0.6296252608299255},{"text":"Anytime.","start":977.19995,"end":977.68,"sentiment":"positive","sentiment_score":0.3668394982814789},{"text":"Anytime at all.","start":977.68,"end":978.5549,"sentiment":"neutral","sentiment_score":0.2406312276919683},{"text":"I shall talk to you soon, sir.","start":978.6349,"end":980.3349,"sentiment":"positive","sentiment_score":0.35614966068949017}],"sentiment":"positive","sentiment_score":0.3509505055844784,"channel":0,"num_words":12,"start":976.63995,"end":980.3349},{"sentences":[{"text":"Okay.","start":980.80493,"end":981.30493,"sentiment":"positive","sentiment_score":0.35937464237213135}],"sentiment":"positive","sentiment_score":0.35937464237213135,"channel":1,"num_words":1,"start":980.80493,"end":981.30493},{"sentences":[{"text":"Thanks, Kev.","start":982.6349,"end":983.27484,"sentiment":"positive","sentiment_score":0.6800783276557922},{"text":"Take it easy, mate.","start":983.27484,"end":984.3349,"sentiment":"positive","sentiment_score":0.6380751878023148}],"sentiment":"positive","sentiment_score":0.6520762344201406,"channel":0,"num_words":6,"start":982.6349,"end":984.3349},{"sentences":[{"text":"Get you, mate.","start":984.56494,"end":985.38495,"sentiment":"positive","sentiment_score":0.4917933444182078}],"sentiment":"positive","sentiment_score":0.4917933444182078,"channel":1,"num_words":3,"start":984.56494,"end":985.38495},{"sentences":[{"text":"Bye.","start":985.7549,"end":986.2549,"sentiment":"neutral","sentiment_score":0.28181445598602295}],"sentiment":"neutral","sentiment_score":0.28181445598602295,"channel":0,"num_words":1,"start":985.7549,"end":986.2549},{"sentences":[{"text":"Bye.","start":986.32495,"end":986.64496,"sentiment":"neutral","sentiment_score":0.18044579029083252},{"text":"Bye.","start":986.64496,"end":987.14496,"sentiment":"neutral","sentiment_score":-0.11380527168512344}],"sentiment":"neutral","sentiment_score":0.03332025930285454,"channel":1,"num_words":2,"start":986.32495,"end":987.14496}]},"summary":{"result":"success","short":"During a conversation between representatives from Oakview and a customer named Tommy, they discuss updating investment goals, fixing up old investments, and investing in personal assets. They emphasize the importance of high growth between 90 to 100% growth assets and the need for rebalancing investments. The speakers also discuss fee differences, investment portfolios, and replacement for Benelon. They emphasize the importance of high growth between 90 to 100% growth assets and offer a new service agreement and a review process for the investment. The agents explain the fees and benefits of using an asset allocation tool, offer a new service agreement, and provide projections for investment fees and income protection. They also mention a new service agreement and a review process for the investment."},"intents":{"segments":[{"text":"I've got you booked in for that updated advice chat. Have you got time for me? Yeah.","start_word":20,"end_word":36,"intents":[{"intent":"Provide advice","confidence_score":0.012685837}]},{"text":"Mate, I'm gonna pop through this email to you. I'll go through a quick security check. Will you be able to look on to the document with me today? Yeah.","start_word":38,"end_word":67,"intents":[{"intent":"Check security","confidence_score":0.22602357}]},{"text":"So that'll come through there. While that's popping through, Kev, could I just get your date of birth and address for security for me? Yeah.","start_word":78,"end_word":102,"intents":[{"intent":"Provide verification of the next step","confidence_score":0.000009095781}]},{"text":"While that's popping through, Kev, could I just get your date of birth and address for security for me? Yeah. Yeah.","start_word":83,"end_word":103,"intents":[{"intent":"Check date of birth and address","confidence_score":0.074525446}]},{"text":"I'll leave the advice document with you today, but just wanted to walk through the key points for a few minutes. But if you do need to hop off, just let me know. No.","start_word":121,"end_word":154,"intents":[{"intent":"Leave advice document","confidence_score":0.7670489},{"intent":"Provide guidance on the next step","confidence_score":0.000009610135}]},{"text":"You've got an early retirement age at 60, and the other thing was pretty much you've had heaps of contributions going in. Growth was a bit slowed down, and we were talking about fixing up the portfolio with a few options there Yeah.","start_word":408,"end_word":450,"intents":[{"intent":"Highlight wealth priorities","confidence_score":0.0000053671247}]},{"text":"Now page 12, high growth for the risk profile. Again, we were just talking about fixing up any of the options that weren't performing well rather than changing your risk level up or down. Yeah.","start_word":819,"end_word":853,"intents":[{"intent":"Recommend investment options","confidence_score":0.008033745}]},{"text":"Basically says lower the fees, improve the performance, and there's some brokerage fees. And of course, the markets perform the way they do. Yep.","start_word":987,"end_word":1010,"intents":[{"intent":"Provide information","confidence_score":0.016903102}]},{"text":"So that one is about 10% cheaper and has smashed over $1.03, 5, and 10 years, and it's actually beaten the Aussie market over those periods as well.","start_word":1212,"end_word":1239,"intents":[{"intent":"Compare products","confidence_score":0.00024570827}]},{"text":"So that's the only thing is we're gonna have to keep the income protection at the 5,000 a month benefit instead of bumping it up. But as soon as I can get that bumped up, I'll I'll run that by you as well. Yep.","start_word":1784,"end_word":1827,"intents":[{"intent":"Update plans","confidence_score":0.05752519}]},{"text":"Is there anything else I can help you with at the moment besides getting those investments switched around? Alright.","start_word":2078,"end_word":2096,"intents":[{"intent":"Manage documents","confidence_score":0.022433747}]},{"text":"And then hopefully, we can have a bit of a chat next year about doing some investment. But, again, I'm assuming you're still focusing on the property side of things and probably got a bit going on. Yeah.","start_word":2441,"end_word":2478,"intents":[{"intent":"Set goals and discuss investment","confidence_score":0.000005674473}]}]},"sentiments":{"segments":[{"text":"Hello? Please help. Kevin, Tommy here from Oakview, mate. How are you doing?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.22027143836021423},{"text":"Right. Living the absolute dream over here.","start_word":13,"end_word":19,"sentiment":"positive","sentiment_score":0.616392970085144},{"text":"I've got you booked in for that updated advice chat. Have you got time for me?","start_word":20,"end_word":35,"sentiment":"neutral","sentiment_score":0.23350529372692108},{"text":"Yeah. Fantastic. Mate, I'm gonna pop through this email to you.","start_word":36,"end_word":46,"sentiment":"positive","sentiment_score":0.4258534908294678},{"text":"I'll go through a quick security check. Will you be able to look on to the document with me today? Yeah. I'll put you on speaker and have a look.","start_word":47,"end_word":76,"sentiment":"neutral","sentiment_score":0.15999367833137512},{"text":"Fantastic.","start_word":77,"end_word":77,"sentiment":"positive","sentiment_score":0.4348386526107788},{"text":"So that'll come through there. While that's popping through, Kev, could I just get your date of birth and address for security for me? Yeah. Yeah. I forgot you were ringing today. Apologies for that, mate. I won't take up too much time. I'll leave the advice document with you today, but just wanted to walk through the key points for a few minutes. But if you do need to hop off, just let me know. No. You're alright. Appreciate I'm just that.","start_word":78,"end_word":160,"sentiment":"neutral","sentiment_score":-0.023460451513528824},{"text":"lying here a little bit ill.","start_word":161,"end_word":166,"sentiment":"negative","sentiment_score":-0.3379814922809601},{"text":"It should Oh, be alright. mate. Half the office is out at the moment. I know what it's like, and I've got three kids now, so I'm trying to avoid as much of it as possible from day care germs. Yeah. Now where am You know I what? clicking? That's fine. So Do I in hit the the sign document? yeah. So that button brings up the documents to scroll through. It doesn't actually sign anything. And then Yeah. if you're happy with it, we can give that a go. Yep. Now I'm obviously registered with Asica's adviser 1 273105. That's on the document as well. Mate, could you just check me your date of birth and address? It's a September. Hundred and fifty eight minute cross for activity.","start_word":167,"end_word":295,"sentiment":"neutral","sentiment_score":-0.012934479862451552},{"text":"Beautiful. Sensational. Beautiful.","start_word":296,"end_word":298,"sentiment":"positive","sentiment_score":0.35487261414527893},{"text":"Now can you see that first document should be like a beachfront city, Gold Coast looking Yep. picture? So what I've done on here, there's four documents. There is oh, sorry. Actually, there's quite a few documents on there. We've got the statement of advice. There's some research appendix on there as well. Few annual review documents from our last chat. But the main thing is if you can just go through to page four, it's got the scope of advice there. Yeah. Nonconsidered. Yep. So and the page before that is what is counted and considered. And we've Yeah. got superannuation. So the main thing was two things. You've got an early retirement age at 60, and the other thing was pretty much you've had heaps of contributions going in. Growth was a bit slowed down, and we were talking about fixing up the portfolio with a few options there Yeah. and also a little bit of, like, the salary sacrifice, that kind of thing. Nope. Now the other thing was the insurances side of things. We were looking at bumping up the income protection a little bit to cover you the 1,500 a week to live on. It's a bit low at the moment, so we're looking Yep. at bumping that up a bit. And the page five where you said not considered, Yep.","start_word":299,"end_word":524,"sentiment":"neutral","sentiment_score":-0.03478581499539118},{"text":"we're not doing anything for estate planning.","start_word":525,"end_word":531,"sentiment":"negative","sentiment_score":-0.45760366320610046},{"text":"You've got everything pretty much in line with your wishes, so we don't need to update your estate plan.","start_word":532,"end_word":550,"sentiment":"neutral","sentiment_score":-0.29365140199661255},{"text":"And I'm not giving you advice on debt management.","start_word":551,"end_word":559,"sentiment":"negative","sentiment_score":-0.47394102811813354},{"text":"You're obviously paying down the mortgage, sorting out the land and everything. And we basically just talked about, you know, long term goal, purchase some lands, build the families for over home, and that's down the line. Yep. Investment on page six. We were talking about investing at Hello? some point, and we were talking about maybe doing some investing in shares and ETFs and things like that.","start_word":560,"end_word":627,"sentiment":"neutral","sentiment_score":-0.04273878410458565},{"text":"But at the moment, it's probably not the right time to do it because you're obviously trying to focus on those property goals.","start_word":628,"end_word":650,"sentiment":"negative","sentiment_score":-0.405804455280304},{"text":"And then once you've got a bit of a handle on cash flow after those, we were gonna look at some personal investing down the line. Does that ring a bell?","start_word":651,"end_word":681,"sentiment":"neutral","sentiment_score":0.07933405041694641},{"text":"Good job. Absolutely.","start_word":682,"end_word":684,"sentiment":"positive","sentiment_score":0.6223639249801636},{"text":"So if you flick down to the about you section and assets on pages eight and nine. Hello? We've got the updated occupation there with the truck driving. We've got the income updated email address for your Gmail. Assets and liabilities, we've got your home, vehicle, cash, shares, and the new Harley that you got. No. And then, obviously, you're doing the vehicle, like, salary packaging through LDV. Yep.","start_word":685,"end_word":753,"sentiment":"neutral","sentiment_score":0.05251774564385414},{"text":"Beautiful.","start_word":754,"end_word":754,"sentiment":"positive","sentiment_score":0.4566216468811035},{"text":"Now if you flick down, we've got your super in hub. We've got that towel insurance policy, 400,000, 400,000 of life and TPD, bit of income Nope. protection on there as well, and a bit of trauma and TPD that you're paying out of pocket. Remember, that's the one that we did smokers rights removal of. So that's looking really good premiums wise. Yep. Now page 12, high growth for the risk profile. Again, we were just talking about fixing up any of the options that weren't performing well rather than changing your risk level up or down. Yeah. Getting rid of that Ben alone. That's the one. Strategy recommendations on 14. It's a big wall of text there. I just want to summarize it for you. So the investments that we found to replace Bennelong and a few other ones, basically, lower fees, better performance, and Yep. keeps you in line with your asset allocation. Just bear in mind, all the investments we're using, the ETFs. So, again, there's a bit of a a brokerage fee to purchase them up front. And then Yeah. once you've got them, they're the lowest fee going forward. Nope. I've kept the active replacement for Benelon. Alfiniti is in there instead. I'll show you that in a sec. And basically, what I just said is in the table on page 15, advantages and disadvantages. Basically says lower the fees, improve the performance, and there's some brokerage fees.","start_word":755,"end_word":998,"sentiment":"neutral","sentiment_score":0.045682518040669744},{"text":"And of course, the markets perform the way they do.","start_word":999,"end_word":1008,"sentiment":"positive","sentiment_score":0.4023688435554504},{"text":"Yep. The main crunch part, if you can please fling down to the tables for me, page 17, the investments table. Yep. So can you see the second last column where it's got target weight? And all the figures down there, they're all round numbers, 7%, 0%, 30%, that kind of thing. I'm page 17. On page yeah. Seventeen and 18 has a big blue table investments. Yeah. I think it And you should be able to see on the oh, left target hand weight. side like Yeah. you Sorry. I was looking sideways, not up and down. yeah. No. That's all good. So target weight. So Ben Long's gone to zero because that's being sold. Now No. the the ones underneath it that are sevens, that's just a bit of a rebalance. So as they go up and down, we just bring them back to the 7% for those satellite options. So your No. battery tech and your lithium, your safe stuff, your China shares, all that stuff, and your gold, we just bring them back to the weightings that they should be at. The bottom one, that's your replacement, the Alfiniti Australian share. That's the one that's replacing Benelon. Yep. K. So that one is about 10% cheaper and has smashed over $1.03, 5, and 10 years, and it's actually beaten the Aussie market over those periods as well.","start_word":1009,"end_word":1239,"sentiment":"neutral","sentiment_score":0.08093945682048798},{"text":"So it's a good Yep. replacement. You've still got a bit of cash in the super.","start_word":1240,"end_word":1255,"sentiment":"positive","sentiment_score":0.46192625164985657},{"text":"That's just, you know, contributions come in. It's about to be invested. So that's that tiny table on the next page. Yep. Now we get into the meat and potatoes of it. Nineteen's got your colored pie chart for your asset allocation. Mhmm. All I'm saying here is high growth is between 90 to a 100% growth assets. You're sitting at 91. Once we rebalance it, you're gonna be basically about 92%. That's that middle row in the gray that says growth total. No. Cool. Now for the fee differences and everything, if you go down to fee comparison, that's the next page, blue table there, and it should show current recommended in difference. Yeah. Cool. So right hand side, the difference on the investment fees, that's at $1.32. Again, goes from a thousand to 900, and the average returns over five years at the bottom, they jump up from 10 to 12. The bottom table underneath, that's got your updated projections with the new options in there. So from 348,000 to $3.94 over five years and over ten years from 500,000 to $6.36 is the estimate. So what's this? This is phase digitized. I'm age Yes. 20. So how much the fees going up? $79. No. They're going down. I've gone down. Yep. So the option that I'm replacing Benelon with, it's cheaper and better. Yep. Yeah. Correct. The other thing I want to just quickly flag with you is we're looking at a bit of salary sacrifice, and it wasn't showing up in the transaction history. I think you're expecting $50 a week from work to go in there, but Yeah. That's there's because nothing it was with the last flight, it's not this one yet. that's right. Okay. So I've just put that in there as the recommendation just to make sure you can see what that does to the take home pay and the super and everything. Yep. So that's in the projections as well. And the performance table on page 21, that shows you the one year, three year, five year, ten year. Yep. Any Yeah. questions on that one? No.","start_word":1256,"end_word":1611,"sentiment":"neutral","sentiment_score":0.06861949232773165},{"text":"Beautiful. Alrighty. So a little bit of contributions would be lovely. The portfolio is going to be much better.","start_word":1612,"end_word":1630,"sentiment":"positive","sentiment_score":0.4734131693840027},{"text":"At least get the fees down, performance back up. Yep. The only other thing is with the the income protection, that was the only thing that I couldn't get across the line. I tried to go to to bump up the income protection a little bit, but the moment Yep. we added in the truck driving on there, they put it as a special risk, which would have switched your your definition to a worse one to bump up the cover. And then the premiums Yep. were another few thousand dollars on top. So Yeah. Yep. I've added that into the appendix just so you've got that research there. But the moment, I can actually bump you up without it stuffing up your definition because you don't wanna have that thing where you can't claim on it, and you'd probably don't want it to go up a few thousand dollars as well. Yeah. So that's the only thing is we're gonna have to keep the income protection at the 5,000 a month benefit instead of bumping it up. But as soon as I can get that bumped up, I'll I'll run that by you as well. Yep.","start_word":1631,"end_word":1827,"sentiment":"neutral","sentiment_score":-0.0657324730064058},{"text":"Cool.","start_word":1828,"end_word":1828,"sentiment":"positive","sentiment_score":0.37213099002838135},{"text":"Yeah. Okay. Outside of that, I think we've just got some services at the bottom and everything else. So when you go through this one, you've got you've been scrolling through the document. The buttons will bring you to the authority to proceed. If you're happy with the plan, give that a sign. We'll jump on hub and switch the investments around this week for you. No. Outside of that, the appendix has the research. You've got a the service agreement from your review if you're still comfortable for us to run this for the year, and then you've just got the usual review documents, the summary of everything, your certificates for the insurer, your updated services guide with us. Yep.","start_word":1829,"end_word":1949,"sentiment":"neutral","sentiment_score":0.12771204113960266},{"text":"Awesome, mate.","start_word":1950,"end_word":1951,"sentiment":"positive","sentiment_score":0.59373939037323},{"text":"I know you said probably weren't expecting the call today and maybe a bit short on time, but do you have any questions for me so far? No. I don't know. Negative. Beautiful. So once you get that authority and service agreement signed, what it basically does is the buttons bring you to the spot to stamp your signature and dates on, and then there'll be a little purple button saying next document. You don't have to scroll through all the documents. You can just skip by the other ones. And once you get to the last one, it'll have a validate button, which basically says it'll load for a second and say, hey. Do you wanna save a signed copy for your records? No.","start_word":1952,"end_word":2076,"sentiment":"neutral","sentiment_score":0.0692735350728035},{"text":"Goody.","start_word":2077,"end_word":2077,"sentiment":"positive","sentiment_score":0.4761107861995697},{"text":"Is there anything else I can help you with at the moment besides getting those investments switched around? Alright. I didn't ask Cool, for my 65 phone. man. Alright. Well, as always, I'll be keeping an eye on things. But do you want me to put in for a bit of a catch up sometime towards the end of this year, or you just wanna wait for the next annual review? What would be your your preference?","start_word":2078,"end_word":2154,"sentiment":"neutral","sentiment_score":0.15587873756885529},{"text":"Oh, I'm happy to wait because I bring this in the past just to query stuff on occasion anyway.","start_word":2155,"end_word":2173,"sentiment":"positive","sentiment_score":0.4965095520019531},{"text":"Yeah. Look. Anytime. Buzz up.","start_word":2174,"end_word":2178,"sentiment":"neutral","sentiment_score":0.2785816192626953},{"text":"Get booked in. I'm happy to chat. If you wanna email, text in any questions, let us know.","start_word":2179,"end_word":2196,"sentiment":"positive","sentiment_score":0.48321571946144104},{"text":"And outside of that, mate, I'll just put in for a bit of a catch up end of financial year next year. Beauty. Any questions for me before I let you go, Kev? Yep. No. That's that's it. Once Cool. I hit next document, what happens then? It skips through to the next one. So there's only two documents to sign, but there's about six documents to skip through because it's all your annual review pack. So you basically just gotta go next document, next document all the way to the end, and then it will have a validate button at the bottom. Just give that a go for me to see if that works. Yep. Yeah. We're Yeah. So your phase are coming out again soon? Yeah. So we're already past the reference date for those.","start_word":2197,"end_word":2333,"sentiment":"neutral","sentiment_score":0.11544089019298552},{"text":"So I just wanted to double check that you're obviously happy for us to look after things at the moment. Cool. 10AM. I just signed it.","start_word":2334,"end_word":2359,"sentiment":"positive","sentiment_score":0.46994221210479736},{"text":"The other thing that I mentioned on the last call, but I'll kind of reiterate today as well, is next year, Sevvy and Bard are coming up with a bit of a tiered fee structure for all the clients. So everyone above 200,000, we're gonna start getting some discounts applied. And because you're above 200 now, when we have that conversation next year, I should have the paperwork ready to move you across to the new agreements as well. Yep.","start_word":2360,"end_word":2439,"sentiment":"neutral","sentiment_score":0.22375208139419556},{"text":"Cool.","start_word":2440,"end_word":2440,"sentiment":"positive","sentiment_score":0.34918028116226196},{"text":"And then hopefully, we can have a bit of a chat next year about doing some investment. But, again, I'm assuming you're still focusing on the property side of things and probably got a bit going on. Yeah. Yeah. Cool. Yeah. We're done. Yeah. I'll I'll broach it with you every year. And if it comes to a point where you wanna dive into some investing, we can look at it. But, again, just, you know, deal with the priorities first, and then when you're comfortable to look at it, just let me know. Yep. Well, Awesome, it's Kevin. still Just loading. It's just spinning spinning. is it doing the old Yep. circle spin? Yeah. I was like, I don't know whether I've dropped out or I'm connecting or Oh, no. It does that for everyone. Sometimes it takes a few seconds, but because this one's got your annual review pack in there, probably takes an extra thirty seconds or so. there you go. It's something that says.","start_word":2441,"end_word":2608,"sentiment":"neutral","sentiment_score":0.13473577797412872},{"text":"Beautiful. That's come through on my end as well, mate.","start_word":2609,"end_word":2618,"sentiment":"positive","sentiment_score":0.4277060627937317},{"text":"So, again, when you hit validate, it'll ask you to download a copy for yourself. But if you ever want a copy, we can send it through to you as well. Yep.","start_word":2619,"end_word":2650,"sentiment":"neutral","sentiment_score":0.2361069619655609},{"text":"Amazing. Alrighty, mate. Yeah. Thank you so much for the time.","start_word":2651,"end_word":2661,"sentiment":"positive","sentiment_score":0.5957068204879761},{"text":"I'm sorry that you that we almost missed each other today, but thanks for spending the time with No.","start_word":2662,"end_word":2680,"sentiment":"neutral","sentiment_score":0.07351600378751755},{"text":"me I'm good. Thanks, Graham. today. Anytime.","start_word":2681,"end_word":2687,"sentiment":"positive","sentiment_score":0.46505168080329895},{"text":"Anytime at all.","start_word":2688,"end_word":2690,"sentiment":"neutral","sentiment_score":0.24670563638210297},{"text":"I shall talk to you soon, sir. Okay. Thanks, Kev. Take it easy, mate. Get you, mate.","start_word":2691,"end_word":2707,"sentiment":"positive","sentiment_score":0.49447929859161377},{"text":"Bye. Bye. Bye.","start_word":2708,"end_word":2710,"sentiment":"neutral","sentiment_score":0.2048385739326477}],"average":{"sentiment":"neutral","sentiment_score":0.08161559931171712}}}}