{"metadata":{"transaction_key":"deprecated","request_id":"01a060dd-a502-7a52-a282-28e78dacbad6","sha256":"99eeb4338bb2674b52d10dad1d378f076de796c43572f61994c09eb6f768b754","created":"2026-09-02T06:45:35.305Z","duration":756.43195,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":2534,"output_tokens":139},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":2802,"output_tokens":2808},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":2802,"output_tokens":287}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Benjamin. It's Tommy here from Oakview Financial, senior adviser, mate. How are you doing? Living the dream so far. It's beautiful and cool on the Gold Coast. What about your end? That's what we love to hear, mate. I've got you booked in to go through just a bit of an update to the super strategy from a previous conversation you had with my colleague, Kyle. Do you have a ten minutes free for me? Sensational. Now before I dive into it, I'll go through a quick security check with you and send you this email. Will you be able to look on to the documents with me today, or shall I just walk through what's coming through? Awesome. I'll make sure I cover off on all the important points just to make sure that we've been able to discuss them before you sign anything. And then just when you get a chance, have a look through and just call back with any questions if you do. Awesome. So I'm registered with adviser one two seven three one zero five. For security of your information, can I please confirm your date of birth and address? Sensational. Thank you so much for that. And are you okay for the call to be recorded? Beautiful. So when you go through and look at the statement of advice that I send through, there's honestly, there's about seven documents attached with it, and most of it is all supporting product documents from the super funds, some updated service guides with Oakview. Hub twenty four has updated their investment menu, so there's a lot of extra documents just there for your records. There's also the main thing is a statement of advice. So when you open up that email, it'll have a purple button saying sign. When you click it, it'll bring open all of the documents to scroll through, and then you can go through and make sure you you're comfortable with them before you sign anything. Now in terms of the advice scoping, so we've had a few changes this year with what kind of kicked off in March with the Iran war. And off the back of that, you've probably seen there's been some changes with the the property laws regarding capital gains, negative gearing, and so on. No. That's fair enough. So what I'm basically saying here is that we've had to factor all of that into the updated portfolio a little bit more slowly than what we were leaning towards previously. Now what you'll see on there, sir, my license details will be on the front of the document. There will be a scope of advice section just talking about what we were trying to aim for for this strategy and what's not being covered. Now in terms of the scope, we're updating the super portfolio. You had a discussion about increasing your growth allocation to a bit more of a high growth risk profile, get a bit higher long term returns. Does that ring a bell? Perfect. So that's the main focus alongside the portfolio. We're kind of gonna bump up the growth allocation from that 80% average to 90% growth assets. And at the same time, I'm gonna switch a few things around as well. Now there was a bit of a reminder there just in terms of estate planning because we just had the usual notes that you probably don't have, like, a will in place right now, but it was does that ring a bell? No. That's fair enough. So yearly reminder for that one. But the more important bit is the beneficiary nominations. Yeah. So the recommendation is just to do a combo. You aim your super and everything to your estate, and then you put in place those nominations with the will in place as well. Yep. You got it. Now just bear in mind that the, like, life insurance can go to anyone. So that can always be put in place in the interim if you prefer, or we can just do both at the same time once the wheel's in place. Cool. The insurances at the time, everything was looking really, really good, and we're basically just factoring in the premium impact to make sure that we can show you what that's doing to the super in the updated projections. Perfect. Not giving any budgeting or cash flow advice because you're obviously looking towards purchasing a home, and that's obviously a bit of a long term goal. The economy is a little bit rough at the moment, so something to work towards over time. Yep. Perfect. We'll continue to have those conversations over the years about how you're going with it, any tips we can give, and just tracking it with you, but we're just gonna focus on the super for this document. Cool. It does go through an about you section just about your occupation and income, phone number, email address, just making sure all that's still up to date. Assets and liabilities, we've got your car, we've got the savings, We've got the insurance policy. So nothing major change there. No random extra loans or anything like that. Perfect. And no million dollars worth of cryptocurrency lying under the pillow or anything like that, Benjamin? Alright. It wouldn't take up my exactly. And then lose the USB stick. That was always a fun story. 287,000 with a life insurance disability. We've got a little bit of income protection there. Almost $1,000 in premiums a year, so very, very low premiums. I'll keep an eye on that Clearview policy with you, and it drops under a grands after the rebate. Cool. We've got the high growth in there, and there's a really big section on page 13, which is honestly, it's a bit of a wall of text explaining all the reasonings behind the switches that we're doing and everything. Basically, what it boils down to is when we switch investments inside the super, there is capital gains tax that can happen under the hood, and we have the ability to factor that in before we change anything as well. So what basically happens is when you go through to the actual table itself, it basically says, here's your current balance. We're estimating capital gains tax of the super of $6.93, but the updated portfolio actually drops the yearly fees by currently $400 a year, but they're percentage based. So as your balance grows, the savings actually expand quite exponentially. So at the moment, you go from $600 investment fee to 200, which is, you know, two thirds of it lumped off, which is great, and that ratio will stay there no matter how big your balance is. Performance, it looks it's always funny telling someone that we're we're looking to improve the performance by 2% per per annum. But going from that kind of nine and a half to 11 and a half with the high growth, that's a solid 50,000 or above just from the growth allocation the next ten years. So that compounds pretty nicely. And, again, you've got quite a while until retirement, so that'll compound over the decades. At some point, gonna have to reduce the risk level back down. You probably don't wanna be high growth at 64 and then lose half your super a year before you retire, if that makes sense. So 60, you can access the super early. 67 is the age pension. So somewhere between there, are you kind of aiming for as early as possible, or what what type of person are you? Yeah. No. At the moment, just maximize as much growth as possible. And as you get closer, life will tend to crystallize and paint the picture a bit better for us. Beauty. But there's a big table there that just shows all the investments that we're switching out. Main thing to let you know is that the the main detractor from your performance was Benelong. That's being switched out for something called a 200, which is basically just much lower fees, much better performance, and it will track the stock market in Australia a lot closer than that option was doing. We also have a bit of a strange one, but there's a certain type of term deposit in Australia called bank hybrids, and they're being phased out by the government the next couple of years. So we just got ahead of the curve, and we're recommending that one gets replaced with another type of term deposit, keeps the the safe options there, but we're also halving that. So in order to get you to 90% growth assets, we're gonna take some of the money from those term deposits and basically put them into, you know, the American shares, the gold, all those types of assets. Cool. It gives you a bit of a growth allocation, so you're gonna go from about 86% to 94. The average that you're aiming for is 90 or basically anywhere between 90 and a 100 is the band that we need to keep you in. Awesome. Mate, that's pretty much it. There's some reminders in there about why you should have a will and a power of attorney and update your beneficiaries, which I won't reiterate. Service fees at the back. So I do need to let you know that it's not gonna impact you right now, but the the service agreement that we have, like your consent through Hub twenty four for Oakview, that's expired. And then what we're doing is we've put in place in our new service guide a tiered fee structure. Now what that basically means is for anyone above 200,000, discounts will start to apply from that 1.65% down to 1.37. And then once you get above 500,000, it'll go down again to 1.1. We're just slowly adding some discounts for the higher balances as we get you up there. Cool. So that's pretty much it. You've got the the authority to proceed on the advice. If you sign that, we can go on and switch the investments. We've got the consent form for hubs so we can remain listed as advisers, and the rest of it is, again, service guide and product documents. Any questions for me at this point? Cool. Do you want me to get the team to send out those beneficiary forms so you have them or kind of just come back to that next time we speak to you? What would be your preference? Yep. Easy done. Any questions on that, just give us a call. Couple of minutes, we can run you through it pretty quickly. And, again, it's just one of those things, you know, getting them witnessed by people that aren't your beneficiary, and you should be sweet. Awesome. Well, thank you so much for taking the time, Benjamin. If you can have a quick look at your details in that document before you sign it, just let me know if there's any major changes, and we should be good to go. Fantastic. I'll pop that through your email now and talk to you again soon. Thanks, mate. Have a great day. 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afternoon, Benjamin. It's Tommy here from Oakview Financial, senior adviser, mate. How are you doing? Living the dream so far. It's beautiful and cool on the Gold Coast.\n\nWhat about your end? That's what we love to hear, mate. I've got you booked in to go through just a bit of an update to the super strategy from a previous conversation you had with my colleague, Kyle. Do you have a ten minutes free for me? Sensational.\n\nNow before I dive into it, I'll go through a quick security check with you and send you this email. Will you be able to look on to the documents with me today, or shall I just walk through what's coming through? Awesome. I'll make sure I cover off on all the important points just to make sure that we've been able to discuss them before you sign anything. And then just when you get a chance, have a look through and just call back with any questions if you do.\n\nAwesome. So I'm registered with adviser one two seven three one zero five. For security of your information, can I please confirm your date of birth and address? Sensational. Thank you so much for that.\n\nAnd are you okay for the call to be recorded? Beautiful. So when you go through and look at the statement of advice that I send through, there's honestly, there's about seven documents attached with it, and most of it is all supporting product documents from the super funds, some updated service guides with Oakview. Hub twenty four has updated their investment menu, so there's a lot of extra documents just there for your records. There's also the main thing is a statement of advice.\n\nSo when you open up that email, it'll have a purple button saying sign. When you click it, it'll bring open all of the documents to scroll through, and then you can go through and make sure you you're comfortable with them before you sign anything. Now in terms of the advice scoping, so we've had a few changes this year with what kind of kicked off in March with the Iran war. And off the back of that, you've probably seen there's been some changes with the the property laws regarding capital gains, negative gearing, and so on. No.\n\nThat's fair enough. So what I'm basically saying here is that we've had to factor all of that into the updated portfolio a little bit more slowly than what we were leaning towards previously. Now what you'll see on there, sir, my license details will be on the front of the document. There will be a scope of advice section just talking about what we were trying to aim for for this strategy and what's not being covered. Now in terms of the scope, we're updating the super portfolio.\n\nYou had a discussion about increasing your growth allocation to a bit more of a high growth risk profile, get a bit higher long term returns. Does that ring a bell? Perfect. So that's the main focus alongside the portfolio. We're kind of gonna bump up the growth allocation from that 80% average to 90% growth assets.\n\nAnd at the same time, I'm gonna switch a few things around as well. Now there was a bit of a reminder there just in terms of estate planning because we just had the usual notes that you probably don't have, like, a will in place right now, but it was does that ring a bell? No. That's fair enough. So yearly reminder for that one.\n\nBut the more important bit is the beneficiary nominations. Yeah. So the recommendation is just to do a combo. You aim your super and everything to your estate, and then you put in place those nominations with the will in place as well. Yep.\n\nYou got it. Now just bear in mind that the, like, life insurance can go to anyone. So that can always be put in place in the interim if you prefer, or we can just do both at the same time once the wheel's in place. Cool. The insurances at the time, everything was looking really, really good, and we're basically just factoring in the premium impact to make sure that we can show you what that's doing to the super in the updated projections.\n\nPerfect. Not giving any budgeting or cash flow advice because you're obviously looking towards purchasing a home, and that's obviously a bit of a long term goal. The economy is a little bit rough at the moment, so something to work towards over time. Yep. Perfect.\n\nWe'll continue to have those conversations over the years about how you're going with it, any tips we can give, and just tracking it with you, but we're just gonna focus on the super for this document. Cool. It does go through an about you section just about your occupation and income, phone number, email address, just making sure all that's still up to date. Assets and liabilities, we've got your car, we've got the savings, We've got the insurance policy. So nothing major change there.\n\nNo random extra loans or anything like that. Perfect. And no million dollars worth of cryptocurrency lying under the pillow or anything like that, Benjamin? Alright. It wouldn't take up my exactly.\n\nAnd then lose the USB stick. That was always a fun story. 287,000 with a life insurance disability. We've got a little bit of income protection there. Almost $1,000 in premiums a year, so very, very low premiums.\n\nI'll keep an eye on that Clearview policy with you, and it drops under a grands after the rebate. Cool. We've got the high growth in there, and there's a really big section on page 13, which is honestly, it's a bit of a wall of text explaining all the reasonings behind the switches that we're doing and everything. Basically, what it boils down to is when we switch investments inside the super, there is capital gains tax that can happen under the hood, and we have the ability to factor that in before we change anything as well. So what basically happens is when you go through to the actual table itself, it basically says, here's your current balance.\n\nWe're estimating capital gains tax of the super of $6.93, but the updated portfolio actually drops the yearly fees by currently $400 a year, but they're percentage based. So as your balance grows, the savings actually expand quite exponentially. So at the moment, you go from $600 investment fee to 200, which is, you know, two thirds of it lumped off, which is great, and that ratio will stay there no matter how big your balance is. Performance, it looks it's always funny telling someone that we're we're looking to improve the performance by 2% per per annum. But going from that kind of nine and a half to 11 and a half with the high growth, that's a solid 50,000 or above just from the growth allocation the next ten years.\n\nSo that compounds pretty nicely. And, again, you've got quite a while until retirement, so that'll compound over the decades. At some point, gonna have to reduce the risk level back down. You probably don't wanna be high growth at 64 and then lose half your super a year before you retire, if that makes sense. So 60, you can access the super early.\n\n67 is the age pension. So somewhere between there, are you kind of aiming for as early as possible, or what what type of person are you? Yeah. No. At the moment, just maximize as much growth as possible.\n\nAnd as you get closer, life will tend to crystallize and paint the picture a bit better for us. Beauty. But there's a big table there that just shows all the investments that we're switching out. Main thing to let you know is that the the main detractor from your performance was Benelong. That's being switched out for something called a 200, which is basically just much lower fees, much better performance, and it will track the stock market in Australia a lot closer than that option was doing.\n\nWe also have a bit of a strange one, but there's a certain type of term deposit in Australia called bank hybrids, and they're being phased out by the government the next couple of years. So we just got ahead of the curve, and we're recommending that one gets replaced with another type of term deposit, keeps the the safe options there, but we're also halving that. So in order to get you to 90% growth assets, we're gonna take some of the money from those term deposits and basically put them into, you know, the American shares, the gold, all those types of assets. Cool. It gives you a bit of a growth allocation, so you're gonna go from about 86% to 94.\n\nThe average that you're aiming for is 90 or basically anywhere between 90 and a 100 is the band that we need to keep you in. Awesome. Mate, that's pretty much it. There's some reminders in there about why you should have a will and a power of attorney and update your beneficiaries, which I won't reiterate. Service fees at the back.\n\nSo I do need to let you know that it's not gonna impact you right now, but the the service agreement that we have, like your consent through Hub twenty four for Oakview, that's expired. And then what we're doing is we've put in place in our new service guide a tiered fee structure. Now what that basically means is for anyone above 200,000, discounts will start to apply from that 1.65% down to 1.37. And then once you get above 500,000, it'll go down again to 1.1. We're just slowly adding some discounts for the higher balances as we get you up there.\n\nCool. So that's pretty much it. You've got the the authority to proceed on the advice. If you sign that, we can go on and switch the investments. We've got the consent form for hubs so we can remain listed as advisers, and the rest of it is, again, service guide and product documents.\n\nAny questions for me at this point? Cool. Do you want me to get the team to send out those beneficiary forms so you have them or kind of just come back to that next time we speak to you? What would be your preference? Yep.\n\nEasy done. Any questions on that, just give us a call. Couple of minutes, we can run you through it pretty quickly. And, again, it's just one of those things, you know, getting them witnessed by people that aren't your beneficiary, and you should be sweet. Awesome.\n\nWell, thank you so much for taking the time, Benjamin. If you can have a quick look at your details in that document before you sign it, just let me know if there's any major changes, and we should be good to go. Fantastic. I'll pop that through your email now and talk to you again soon. Thanks, mate.\n\nHave a great day. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Benjamin.","start":2.8799999,"end":4.08,"sentiment":"neutral","sentiment_score":0.30324840545654297},{"text":"It's Tommy here from Oakview Financial, senior adviser, mate.","start":4.08,"end":7.2,"sentiment":"neutral","sentiment_score":0.2154591762357288},{"text":"How are you doing?","start":7.2,"end":7.94,"sentiment":"neutral","sentiment_score":0.26330776140093803},{"text":"Living the dream so far.","start":10.0,"end":11.28,"sentiment":"positive","sentiment_score":0.539925879240036},{"text":"It's beautiful and cool on the Gold Coast.","start":11.28,"end":13.2,"sentiment":"positive","sentiment_score":0.7799680531024933}],"sentiment":"positive","sentiment_score":0.44280974721086436,"num_words":29,"start":2.8799999,"end":13.2},{"sentences":[{"text":"What about your end?","start":13.2,"end":13.965,"sentiment":"neutral","sentiment_score":0.21469658613204956},{"text":"That's what we love to hear, mate.","start":18.365,"end":19.985,"sentiment":"positive","sentiment_score":0.6086031453950065},{"text":"I've got you booked in to go through just a bit of an update to the super strategy from a previous conversation you had with my colleague, Kyle.","start":20.205,"end":28.625,"sentiment":"neutral","sentiment_score":0.12587884467627322},{"text":"Do you have a ten minutes free for me?","start":28.98,"end":31.48,"sentiment":"neutral","sentiment_score":0.06606170617871815},{"text":"Sensational.","start":33.94,"end":34.44,"sentiment":"neutral","sentiment_score":0.17579010128974917}],"sentiment":"neutral","sentiment_score":0.19212166265565522,"num_words":49,"start":13.2,"end":34.44},{"sentences":[{"text":"Now before I dive into it, I'll go through a quick security check with you and send you this email.","start":35.14,"end":40.52,"sentiment":"neutral","sentiment_score":0.05135767124593258},{"text":"Will you be able to look on to the documents with me today, or shall I just walk through what's coming through?","start":40.58,"end":45.965,"sentiment":"neutral","sentiment_score":0.04310691441324624},{"text":"Awesome.","start":49.864998,"end":50.364998,"sentiment":"positive","sentiment_score":0.4400325417518616},{"text":"I'll make sure I cover off on all the important points just to make sure that we've been able to discuss them before you sign anything.","start":50.425,"end":56.845,"sentiment":"neutral","sentiment_score":0.2675996990158008},{"text":"And then just when you get a chance, have a look through and just call back with any questions if you do.","start":57.02,"end":62.32,"sentiment":"neutral","sentiment_score":0.17156179452484305}],"sentiment":"neutral","sentiment_score":0.14447790920570658,"num_words":91,"start":35.14,"end":62.32},{"sentences":[{"text":"Awesome.","start":63.66,"end":64.06,"sentiment":"neutral","sentiment_score":0.20091493427753448},{"text":"So I'm registered with adviser one two seven three one zero five.","start":64.06,"end":68.0,"sentiment":"neutral","sentiment_score":0.07043825027843316},{"text":"For security of your information, can I please confirm your date of birth and address?","start":68.38,"end":73.485,"sentiment":"neutral","sentiment_score":0.050408267478148146},{"text":"Sensational.","start":84.35,"end":84.85,"sentiment":"neutral","sentiment_score":0.07414459437131882},{"text":"Thank you so much for that.","start":85.07,"end":86.11,"sentiment":"positive","sentiment_score":0.4189209391673406}],"sentiment":"neutral","sentiment_score":0.12542766226189478,"num_words":35,"start":63.66,"end":86.11},{"sentences":[{"text":"And are you okay for the call to be recorded?","start":86.11,"end":88.37,"sentiment":"neutral","sentiment_score":0.10446826517581939},{"text":"Beautiful.","start":90.35,"end":90.85,"sentiment":"neutral","sentiment_score":0.259220153093338},{"text":"So when you go through and look at the statement of advice that I send through, there's honestly, there's about seven documents attached with it, and most of it is all supporting product documents from the super funds, some updated service guides with Oakview.","start":90.99,"end":109.185,"sentiment":"neutral","sentiment_score":0.05399890426038341},{"text":"Hub twenty four has updated their investment menu, so there's a lot of extra documents just there for your records.","start":110.18,"end":115.24,"sentiment":"neutral","sentiment_score":0.10214209482073784},{"text":"There's also the main thing is a statement of advice.","start":117.7,"end":120.02,"sentiment":"neutral","sentiment_score":0.04228458311408758}],"sentiment":"neutral","sentiment_score":0.07230049788075335,"num_words":85,"start":86.11,"end":120.02},{"sentences":[{"text":"So when you open up that email, it'll have a purple button saying sign.","start":120.02,"end":124.034996,"sentiment":"neutral","sentiment_score":0.026508342325022177},{"text":"When you click it, it'll bring open all of the documents to scroll through, and then you can go through and make sure you you're comfortable with them before you sign anything.","start":124.175,"end":132.515,"sentiment":"neutral","sentiment_score":0.17189045995473862},{"text":"Now in terms of the advice scoping, so we've had a few changes this year with what kind of kicked off in March with the Iran war.","start":134.6,"end":144.14,"sentiment":"neutral","sentiment_score":-0.021436766893775376},{"text":"And off the back of that, you've probably seen there's been some changes with the the property laws regarding capital gains, negative gearing, and so on.","start":144.52,"end":153.065,"sentiment":"neutral","sentiment_score":-0.06459788526766576},{"text":"No.","start":158.245,"end":158.485,"sentiment":"neutral","sentiment_score":-0.11287061870098114}],"sentiment":"neutral","sentiment_score":0.0350040316930972,"num_words":100,"start":120.02,"end":158.485},{"sentences":[{"text":"That's fair enough.","start":158.485,"end":159.445,"sentiment":"neutral","sentiment_score":-0.03292308747768402},{"text":"So what I'm basically saying here is that we've had to factor all of that into the updated portfolio a little bit more slowly than what we were leaning towards previously.","start":159.445,"end":167.88,"sentiment":"neutral","sentiment_score":0.015242539586559418},{"text":"Now what you'll see on there, sir, my license details will be on the front of the document.","start":170.5,"end":174.44,"sentiment":"neutral","sentiment_score":0.07418733379907078},{"text":"There will be a scope of advice section just talking about what we were trying to aim for for this strategy and what's not being covered.","start":174.66,"end":183.265,"sentiment":"neutral","sentiment_score":0.0591066677409869},{"text":"Now in terms of the scope, we're updating the super portfolio.","start":184.125,"end":188.705,"sentiment":"neutral","sentiment_score":0.08381529287858443}],"sentiment":"neutral","sentiment_score":0.04682992197824328,"num_words":89,"start":158.485,"end":188.705},{"sentences":[{"text":"You had a discussion about increasing your growth allocation to a bit more of a high growth risk profile, get a bit higher long term returns.","start":188.765,"end":198.06,"sentiment":"neutral","sentiment_score":0.073663482729059},{"text":"Does that ring a bell?","start":198.06,"end":199.28,"sentiment":"neutral","sentiment_score":0.061617258191108706},{"text":"Perfect.","start":201.82,"end":202.3,"sentiment":"positive","sentiment_score":0.6160029172897339},{"text":"So that's the main focus alongside the portfolio.","start":202.3,"end":205.84,"sentiment":"positive","sentiment_score":0.388657134026289},{"text":"We're kind of gonna bump up the growth allocation from that 80% average to 90% growth assets.","start":205.9,"end":212.045,"sentiment":"neutral","sentiment_score":0.3270840653601815}],"sentiment":"neutral","sentiment_score":0.2019127358339335,"num_words":57,"start":188.765,"end":212.045},{"sentences":[{"text":"And at the same time, I'm gonna switch a few things around as well.","start":212.105,"end":215.485,"sentiment":"neutral","sentiment_score":0.18906018137931824},{"text":"Now there was a bit of a reminder there just in terms of estate planning because we just had the usual notes that you probably don't have, like, a will in place right now, but it was does that ring a bell?","start":218.105,"end":231.78,"sentiment":"neutral","sentiment_score":0.05963509450001376},{"text":"No.","start":233.92001,"end":234.16,"sentiment":"neutral","sentiment_score":-0.03584356606006622},{"text":"That's fair enough.","start":234.16,"end":234.8,"sentiment":"neutral","sentiment_score":0.04387246568997701},{"text":"So yearly reminder for that one.","start":234.8,"end":236.355,"sentiment":"neutral","sentiment_score":0.09277680143713951}],"sentiment":"neutral","sentiment_score":0.08793865375672326,"num_words":66,"start":212.105,"end":236.355},{"sentences":[{"text":"But the more important bit is the beneficiary nominations.","start":236.435,"end":240.53499,"sentiment":"neutral","sentiment_score":0.17785788079102835},{"text":"Yeah.","start":245.235,"end":245.635,"sentiment":"neutral","sentiment_score":0.03914200142025947},{"text":"So the recommendation is just to do a combo.","start":245.635,"end":248.455,"sentiment":"neutral","sentiment_score":0.23307064837879604},{"text":"You aim your super and everything to your estate, and then you put in place those nominations with the will in place as well.","start":248.83499,"end":256.40002,"sentiment":"neutral","sentiment_score":0.2419049913684527},{"text":"Yep.","start":264.54,"end":265.04,"sentiment":"neutral","sentiment_score":0.14987248182296753}],"sentiment":"neutral","sentiment_score":0.22029752360487526,"num_words":44,"start":236.435,"end":265.04},{"sentences":[{"text":"You got it.","start":265.82,"end":266.625,"sentiment":"neutral","sentiment_score":0.12250884870688121},{"text":"Now just bear in mind that the, like, life insurance can go to anyone.","start":267.665,"end":271.925,"sentiment":"neutral","sentiment_score":0.09405701607465744},{"text":"So that can always be put in place in the interim if you prefer, or we can just do both at the same time once the wheel's in place.","start":272.225,"end":279.925,"sentiment":"neutral","sentiment_score":0.12317554883915803},{"text":"Cool.","start":282.4,"end":282.9,"sentiment":"positive","sentiment_score":0.38908714056015015},{"text":"The insurances at the time, everything was looking really, really good, and we're basically just factoring in the premium impact to make sure that we can show you what that's doing to the super in the updated projections.","start":284.08,"end":297.715,"sentiment":"positive","sentiment_score":0.49636807645622055}],"sentiment":"neutral","sentiment_score":0.2883234086282113,"num_words":85,"start":265.82,"end":297.715},{"sentences":[{"text":"Perfect.","start":300.255,"end":300.755,"sentiment":"positive","sentiment_score":0.4121160805225372},{"text":"Not giving any budgeting or cash flow advice because you're obviously looking towards purchasing a home, and that's obviously a bit of a long term goal.","start":301.215,"end":311.0,"sentiment":"neutral","sentiment_score":0.03600647558386509},{"text":"The economy is a little bit rough at the moment, so something to work towards over time.","start":311.0,"end":315.5,"sentiment":"neutral","sentiment_score":-0.16234853031004176},{"text":"Yep.","start":318.68002,"end":319.16,"sentiment":"neutral","sentiment_score":0.20598362386226657},{"text":"Perfect.","start":319.16,"end":319.66,"sentiment":"positive","sentiment_score":0.44214722514152527}],"sentiment":"neutral","sentiment_score":-0.016598037403562794,"num_words":46,"start":300.255,"end":319.66},{"sentences":[{"text":"We'll continue to have those conversations over the years about how you're going with it, any tips we can give, and just tracking it with you, but we're just gonna focus on the super for this document.","start":320.555,"end":329.695,"sentiment":"neutral","sentiment_score":0.31701847709513997},{"text":"Cool.","start":331.515,"end":331.83,"sentiment":"positive","sentiment_score":0.3700726330280304},{"text":"It does go through an about you section just about your occupation and income, phone number, email address, just making sure all that's still up to date.","start":332.22998,"end":341.12997,"sentiment":"neutral","sentiment_score":0.24011453489462534},{"text":"Assets and liabilities, we've got your car, we've got the savings, We've got the insurance policy.","start":341.83,"end":347.425,"sentiment":"neutral","sentiment_score":0.12800444709137082},{"text":"So nothing major change there.","start":347.645,"end":349.645,"sentiment":"neutral","sentiment_score":0.027309425920248032}],"sentiment":"neutral","sentiment_score":0.2414821745437938,"num_words":86,"start":320.555,"end":349.645},{"sentences":[{"text":"No random extra loans or anything like that.","start":349.645,"end":352.545,"sentiment":"neutral","sentiment_score":-0.05843553738668561},{"text":"Perfect.","start":362.01,"end":362.51,"sentiment":"neutral","sentiment_score":0.222678542137146},{"text":"And no million dollars worth of cryptocurrency lying under the pillow or anything like that, Benjamin?","start":363.69,"end":367.87,"sentiment":"neutral","sentiment_score":-0.009827673435211182},{"text":"Alright.","start":370.81,"end":371.31,"sentiment":"neutral","sentiment_score":-0.1620199978351593},{"text":"It wouldn't take up my exactly.","start":372.41,"end":374.11002,"sentiment":"neutral","sentiment_score":-0.20792259275913239}],"sentiment":"neutral","sentiment_score":-0.05661262769717723,"num_words":32,"start":349.645,"end":374.11002},{"sentences":[{"text":"And then lose the USB stick.","start":374.435,"end":376.035,"sentiment":"neutral","sentiment_score":-0.18201119204362234},{"text":"That was always a fun story.","start":376.035,"end":377.33502,"sentiment":"positive","sentiment_score":0.724990596373876},{"text":"287,000 with a life insurance disability.","start":379.715,"end":382.695,"sentiment":"neutral","sentiment_score":0.07159851429363091},{"text":"We've got a little bit of income protection there.","start":382.83502,"end":384.935,"sentiment":"neutral","sentiment_score":0.19089971317185295},{"text":"Almost $1,000 in premiums a year, so very, very low premiums.","start":386.755,"end":390.62003,"sentiment":"neutral","sentiment_score":0.32037814503366296}],"sentiment":"neutral","sentiment_score":0.23499275067527042,"num_words":38,"start":374.435,"end":390.62003},{"sentences":[{"text":"I'll keep an eye on that Clearview policy with you, and it drops under a grands after the rebate.","start":390.92,"end":396.62003,"sentiment":"neutral","sentiment_score":0.11763070494328674},{"text":"Cool.","start":398.84003,"end":399.34003,"sentiment":"positive","sentiment_score":0.4385824799537658},{"text":"We've got the high growth in there, and there's a really big section on page 13, which is honestly, it's a bit of a wall of text explaining all the reasonings behind the switches that we're doing and everything.","start":399.56003,"end":410.55502,"sentiment":"neutral","sentiment_score":0.23553964820427772},{"text":"Basically, what it boils down to is when we switch investments inside the super, there is capital gains tax that can happen under the hood, and we have the ability to factor that in before we change anything as well.","start":411.255,"end":425.63,"sentiment":"neutral","sentiment_score":0.05666116643697024},{"text":"So what basically happens is when you go through to the actual table itself, it basically says, here's your current balance.","start":427.29,"end":434.01498,"sentiment":"neutral","sentiment_score":0.1129404923745564}],"sentiment":"neutral","sentiment_score":0.13748174292656282,"num_words":120,"start":390.92,"end":434.01498},{"sentences":[{"text":"We're estimating capital gains tax of the super of $6.93, but the updated portfolio actually drops the yearly fees by currently $400 a year, but they're percentage based.","start":434.715,"end":448.88998,"sentiment":"neutral","sentiment_score":0.08370095903852157},{"text":"So as your balance grows, the savings actually expand quite exponentially.","start":448.94998,"end":453.21,"sentiment":"neutral","sentiment_score":0.2617242918773131},{"text":"So at the moment, you go from $600 investment fee to 200, which is, you know, two thirds of it lumped off, which is great, and that ratio will stay there no matter how big your balance is.","start":454.15,"end":466.275,"sentiment":"neutral","sentiment_score":0.2734482425608133},{"text":"Performance, it looks it's always funny telling someone that we're we're looking to improve the performance by 2% per per annum.","start":469.13498,"end":477.155,"sentiment":"neutral","sentiment_score":0.11722396704412642},{"text":"But going from that kind of nine and a half to 11 and a half with the high growth, that's a solid 50,000 or above just from the growth allocation the next ten 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lower fees, much better performance, and it will track the stock market in Australia a lot closer than that option was doing.","start":553.79504,"end":566.17,"sentiment":"neutral","sentiment_score":-0.025332350594302017}],"sentiment":"neutral","sentiment_score":-0.03308584495039468,"num_words":89,"start":535.02,"end":566.17},{"sentences":[{"text":"We also have a bit of a strange one, but there's a certain type of term deposit in Australia called bank hybrids, and they're being phased out by the government the next couple of years.","start":567.99,"end":578.61505,"sentiment":"neutral","sentiment_score":-0.0703560902604035},{"text":"So we just got ahead of the curve, and we're recommending that one gets replaced with another type of term deposit, keeps the the safe options there, but we're also halving that.","start":578.61505,"end":589.23,"sentiment":"neutral","sentiment_score":0.014542309916578233},{"text":"So in order to get you to 90% growth assets, we're gonna take some of the money from those term deposits and basically put them into, you know, the American shares, the gold, all those types of assets.","start":589.23,"end":601.265,"sentiment":"neutral","sentiment_score":0.08956308653087992},{"text":"Cool.","start":603.245,"end":603.745,"sentiment":"positive","sentiment_score":0.5401452779769897},{"text":"It gives you a bit of a growth allocation, so you're gonna go from about 86% to 94.","start":604.445,"end":609.585,"sentiment":"positive","sentiment_score":0.45544661581516266}],"sentiment":"neutral","sentiment_score":0.08181026136322368,"num_words":124,"start":567.99,"end":609.585},{"sentences":[{"text":"The average that you're aiming for is 90 or basically anywhere between 90 and a 100 is the band that we need to keep you in.","start":609.72504,"end":617.19995,"sentiment":"neutral","sentiment_score":0.3117351635144307},{"text":"Awesome.","start":618.94,"end":619.44,"sentiment":"positive","sentiment_score":0.6904842853546143},{"text":"Mate, that's pretty much 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it.","start":675.57,"end":676.77,"sentiment":"neutral","sentiment_score":0.2963595032691956},{"text":"You've got the the authority to proceed on the advice.","start":676.77,"end":680.31,"sentiment":"neutral","sentiment_score":0.20543792247772216},{"text":"If you sign that, we can go on and switch the investments.","start":680.565,"end":683.78503,"sentiment":"neutral","sentiment_score":0.16239191281298795},{"text":"We've got the consent form for hubs so we can remain listed as advisers, and the rest of it is, again, service guide and product documents.","start":684.405,"end":692.825,"sentiment":"neutral","sentiment_score":0.1250258285838824}],"sentiment":"neutral","sentiment_score":0.16771898832586077,"num_words":54,"start":674.85004,"end":692.825},{"sentences":[{"text":"Any questions for me at this point?","start":695.29,"end":696.91,"sentiment":"neutral","sentiment_score":0.021740069080676352},{"text":"Cool.","start":700.64996,"end":701.14996,"sentiment":"neutral","sentiment_score":0.19299091398715973},{"text":"Do you want me to get the team to send out those beneficiary forms so you have them or kind of just come back to that next time we speak to you?","start":701.44995,"end":709.21497,"sentiment":"neutral","sentiment_score":0.05822855012957007},{"text":"What would be your preference?","start":709.21497,"end":710.355,"sentiment":"neutral","sentiment_score":0.029187948256731034},{"text":"Yep.","start":714.495,"end":714.995,"sentiment":"neutral","sentiment_score":0.2278498262166977}],"sentiment":"neutral","sentiment_score":0.056136403678228024,"num_words":46,"start":695.29,"end":714.995},{"sentences":[{"text":"Easy done.","start":715.21497,"end":716.115,"sentiment":"positive","sentiment_score":0.3571377992630005},{"text":"Any questions on that, just give us a call.","start":716.175,"end":718.415,"sentiment":"neutral","sentiment_score":0.1711411095327801},{"text":"Couple of minutes, we can run you through it pretty quickly.","start":718.415,"end":720.83496,"sentiment":"neutral","sentiment_score":0.23351691527800125},{"text":"And, again, it's just one of those things, you know, getting them witnessed by people that aren't your beneficiary, and you should be sweet.","start":721.295,"end":727.37,"sentiment":"neutral","sentiment_score":0.1462587940817078},{"text":"Awesome.","start":729.67004,"end":730.17004,"sentiment":"positive","sentiment_score":0.5065070986747742}],"sentiment":"neutral","sentiment_score":0.18808403848967653,"num_words":47,"start":715.21497,"end":730.17004},{"sentences":[{"text":"Well, thank you so much for taking the time, Benjamin.","start":730.31,"end":732.65,"sentiment":"positive","sentiment_score":0.616089004278183},{"text":"If you can have a quick look at your details in that document before you sign it, just let me know if there's any major changes, and we should be good to go.","start":732.95,"end":742.905,"sentiment":"positive","sentiment_score":0.41096245249112445},{"text":"Fantastic.","start":744.885,"end":745.385,"sentiment":"neutral","sentiment_score":0.22878676652908325},{"text":"I'll pop that through your email now and talk to you again soon.","start":745.67694,"end":749.37695,"sentiment":"positive","sentiment_score":0.3963688336885892},{"text":"Thanks, mate.","start":751.0369,"end":751.5969,"sentiment":"positive","sentiment_score":0.8602555692195892}],"sentiment":"positive","sentiment_score":0.45465667318489594,"num_words":59,"start":730.31,"end":751.5969},{"sentences":[{"text":"Have a great 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Yep. I do have ten minutes. Yes. Just walk me through for a moment. I'm driving right now. Yep. Sure. Yes. Date of birth, the 08/22/5890. Address, 89 Maurer Glen Valley. Yep. Yep. Yep. Yep. Not really, but I don't really watch it. So the link yeah. Yeah. Yes. Yes. Yeah. I did do that. Yep. Yeah. I still don't know that. Yep. Yeah. Which I can't do without getting my wheels all good. Yeah. Yeah. Yeah. Because I have no I have no spouse, but it would have for your relatives. I have to get billed so I can have the nomination. Yep. Yep. Yeah. Just saving at the moment. Yep. No. No. The car might be upgraded in March, but that's a long term plan at the moment. I wish. Wouldn't take up much space. Yeah. Exactly. Okay. Cool. Sure. Yeah. Because what's what's retirement? 70 60 what is it? 66? Oh, okay. Yep. Yeah. I'm way too early to think about that. Yep. Yeah. Yep. Yeah. Yep. Yep. Sure. No. No. Sounds all good. Yeah. Yeah. Yeah. Get them sent out. It might prompt me to get it done. Yep. 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Yep. I do have ten minutes. Yes. Just walk me through for a moment.\n\nI'm driving right now. Yep. Sure. Yes. Date of birth, the 08/22/5890.\n\nAddress, 89 Maurer Glen Valley. Yep. Yep. Yep. Yep.\n\nNot really, but I don't really watch it. So the link yeah. Yeah. Yes. Yes.\n\nYeah. I did do that. Yep. Yeah. I still don't know that.\n\nYep. Yeah. Which I can't do without getting my wheels all good. Yeah. Yeah.\n\nYeah. Because I have no I have no spouse, but it would have for your relatives. I have to get billed so I can have the nomination. Yep. Yep.\n\nYeah. Just saving at the moment. Yep. No. No.\n\nThe car might be upgraded in March, but that's a long term plan at the moment. I wish. Wouldn't take up much space. Yeah. Exactly.\n\nOkay. Cool. Sure. Yeah. Because what's what's retirement?\n\n70 60 what is it? 66? Oh, okay. Yep. Yeah.\n\nI'm way too early to think about that. Yep. Yeah. Yep. Yeah.\n\nYep. Yep. Sure. No. No.\n\nSounds all good. Yeah. Yeah. Yeah. Get them sent out.\n\nIt might prompt me to get it done. Yep. Yep. Cool. Thank you.\n\nAlright. Thank you very much. Alright. You too. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.4399999,"end":1.9399999,"sentiment":"neutral","sentiment_score":0.0401623360812664},{"text":"Yep.","start":31.3,"end":31.78,"sentiment":"neutral","sentiment_score":0.0912601873278618},{"text":"I do have ten minutes.","start":31.78,"end":32.9,"sentiment":"neutral","sentiment_score":0.09908506423234939},{"text":"Yes.","start":32.9,"end":33.4,"sentiment":"neutral","sentiment_score":0.19207358360290527},{"text":"Just walk me through for a moment.","start":46.485,"end":47.844997,"sentiment":"neutral","sentiment_score":0.04088771848806313}],"sentiment":"neutral","sentiment_score":0.07367569717268149,"num_words":15,"start":1.4399999,"end":47.844997},{"sentences":[{"text":"I'm driving right 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that.","start":528.10004,"end":531.24005,"sentiment":"neutral","sentiment_score":-0.1788174204993993},{"text":"Yep.","start":539.185,"end":539.685,"sentiment":"neutral","sentiment_score":0.03882652521133423},{"text":"Yeah.","start":540.065,"end":540.565,"sentiment":"neutral","sentiment_score":0.14751669764518738},{"text":"Yep.","start":558.11,"end":558.61,"sentiment":"neutral","sentiment_score":-0.011340889148414137},{"text":"Yeah.","start":602.025,"end":602.525,"sentiment":"neutral","sentiment_score":0.26060062646865845}],"sentiment":"neutral","sentiment_score":-0.08291136698486905,"num_words":12,"start":528.10004,"end":602.525},{"sentences":[{"text":"Yep.","start":617.77997,"end":618.27997,"sentiment":"neutral","sentiment_score":0.32020139694213867},{"text":"Yep.","start":673.5,"end":674.0,"sentiment":"neutral","sentiment_score":0.18057462573051453},{"text":"Sure.","start":693.87,"end":694.37,"sentiment":"neutral","sentiment_score":0.058206722140312195},{"text":"No.","start":697.95,"end":698.19,"sentiment":"neutral","sentiment_score":-0.0490216501057148},{"text":"No.","start":698.19,"end":698.69,"sentiment":"neutral","sentiment_score":-0.016904417425394058}],"sentiment":"neutral","sentiment_score":0.09861133545637131,"num_words":5,"start":617.77997,"end":698.69},{"sentences":[{"text":"Sounds all good.","start":698.91,"end":699.89,"sentiment":"neutral","sentiment_score":0.11574221029877663},{"text":"Yeah.","start":709.055,"end":709.555,"sentiment":"neutral","sentiment_score":0.023664217442274097},{"text":"Yeah.","start":710.415,"end":710.915,"sentiment":"neutral","sentiment_score":0.06278294324874878},{"text":"Yeah.","start":711.45496,"end":711.615,"sentiment":"neutral","sentiment_score":0.07582226395606995},{"text":"Get them sent out.","start":711.615,"end":712.57495,"sentiment":"neutral","sentiment_score":0.06935064122080803}],"sentiment":"neutral","sentiment_score":0.07868986204266548,"num_words":10,"start":698.91,"end":712.57495},{"sentences":[{"text":"It might prompt me to get it 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much.","start":749.89685,"end":750.87683,"sentiment":"positive","sentiment_score":0.8556319773197174},{"text":"Alright.","start":752.69684,"end":753.09686,"sentiment":"positive","sentiment_score":0.48304611444473267},{"text":"You too.","start":753.09686,"end":753.6768,"sentiment":"positive","sentiment_score":0.43880075216293335},{"text":"Bye.","start":754.45685,"end":754.95685,"sentiment":"neutral","sentiment_score":-0.11316756904125214}],"sentiment":"positive","sentiment_score":0.5836562861998876,"num_words":9,"start":749.7369,"end":754.95685}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon, Benjamin. It's Tommy here from Oakview Financial, senior adviser, mate. How are you doing? Living the dream so far. It's beautiful and cool on the Gold Coast.\n\nWhat about your end? That's what we love to hear, mate. I've got you booked in to go through just a bit of an update to the super strategy from a previous conversation you had with my colleague, Kyle. Do you have a ten minutes free for me?\n\nChannel 1: Yep. I do have ten minutes. Yes.\n\nChannel 0: Sensational. Now before I dive into it, I'll go through a quick security check with you and send you this email. Will you be able to look on to the documents with me today, or shall I just walk through what's coming through?\n\nChannel 1: Just walk me through for a moment. I'm driving right now. Yep.\n\nChannel 0: Awesome. I'll make sure I cover off on all the important points just to make sure that we've been able to discuss them before you sign anything. And then just when you get a chance, have a look through and just call back with any questions if you do.\n\nChannel 1: Sure.\n\nChannel 0: Awesome. So I'm registered with adviser one two seven three one zero five. For security of your information, can I please confirm your date of birth and address?\n\nChannel 1: Yes. Date of birth, the 08/22/5890. Address, 89 Maurer Glen Valley.\n\nChannel 0: Sensational. Thank you so much for that. And are you okay for the call to be recorded?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So when you go through and look at the statement of advice that I send through, there's\n\nChannel 1: Yep.\n\nChannel 0: honestly, there's about seven documents attached with it, and most of it is all supporting product documents from the super funds, some updated service guides with Oakview. Hub twenty four has updated their investment menu, so there's a lot of extra documents just there for your records.\n\nChannel 1: Yep.\n\nChannel 0: There's also the main thing is a statement of advice. So when you open up that email, it'll have a purple button saying sign. When you click it, it'll bring open all of the documents to scroll through, and then you can go through and make sure you you're comfortable with them before you sign anything.\n\nChannel 1: Yep.\n\nChannel 0: Now in terms of the advice scoping, so we've had a few changes this year with what kind of kicked off in March with the Iran war. And off the back of that, you've probably seen there's been some changes with the the property laws regarding capital gains, negative gearing, and so on.\n\nChannel 1: Not really, but I don't really watch it. So the link\n\nChannel 0: No. That's fair enough. So what I'm basically saying here is that we've had to factor all of that into the updated portfolio a little bit more slowly than what we were leaning towards previously.\n\nChannel 1: yeah. Yeah.\n\nChannel 0: Now what you'll see on there, sir, my license details will be on the front of the document. There will be a scope of advice section just talking about what we were trying to aim for for this strategy and what's not being covered. Now in terms of the scope, we're updating the super portfolio. You had a discussion about increasing your growth allocation to a\n\nChannel 1: Yes.\n\nChannel 0: bit more of a high growth risk profile, get a bit higher long term returns. Does that ring a bell?\n\nChannel 1: Yes. Yeah. I did do that.\n\nChannel 0: Perfect. So that's the main focus alongside the portfolio. We're kind of gonna bump up the growth allocation from that 80% average to 90% growth assets. And at the same time, I'm gonna switch a few things around as well.\n\nChannel 1: Yep.\n\nChannel 0: Now there was a bit of a reminder there just in terms of estate planning because we just had the usual notes that you probably don't have, like, a will in place right now, but it was does that ring a bell?\n\nChannel 1: Yeah. I still don't know that.\n\nChannel 0: No. That's fair enough. So yearly reminder for that one. But the more important\n\nChannel 1: Yep.\n\nChannel 0: bit is the beneficiary nominations.\n\nChannel 1: Yeah. Which I can't do without getting my wheels all good.\n\nChannel 0: Yeah. So the recommendation is just to do a combo. You aim your super and everything to your estate, and then you put in place those nominations with the will in place as well.\n\nChannel 1: Yeah. Yeah. Yeah. Because I have no I have no spouse, but it would have for your relatives. I have to get billed so I can have the\n\nChannel 0: Yep.\n\nChannel 1: nomination.\n\nChannel 0: You got it. Now just bear in mind that the, like, life insurance can go to anyone. So that can always be put in place in the interim if you prefer, or we can just do both at the same time once the wheel's in place. Cool.\n\nChannel 1: Yep.\n\nChannel 0: The insurances at the time, everything was looking really, really good, and we're basically just factoring in the premium impact to make sure that we can show you what that's doing to the super in the updated projections.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Not giving any budgeting or cash flow advice because you're obviously looking towards purchasing a home, and that's obviously a bit of a long term goal. The economy is a little bit rough at the moment, so\n\nChannel 1: Yeah.\n\nChannel 0: something to work towards over time.\n\nChannel 1: Just saving at the moment.\n\nChannel 0: Yep. Perfect. We'll continue to have those conversations over the years about how you're going with it, any tips we can give, and just tracking it with you, but we're just gonna focus on the super for this document.\n\nChannel 1: Yep.\n\nChannel 0: Cool. It does go through an about you section just about your occupation and income, phone number, email address, just making sure all that's still up to date. Assets and liabilities, we've got your car, we've got the savings, We've got the insurance policy. So nothing major change there. No random extra loans or anything like that.\n\nChannel 1: No. No. The car might be upgraded in March, but that's a long term plan at the moment.\n\nChannel 0: Perfect. And no million dollars worth of cryptocurrency lying under the pillow or anything like that, Benjamin?\n\nChannel 1: I wish. Wouldn't take\n\nChannel 0: Alright.\n\nChannel 1: up much space.\n\nChannel 0: It wouldn't take up my exactly. And then lose the USB stick. That was always a fun story.\n\nChannel 1: Yeah. Exactly.\n\nChannel 0: 287,000 with a life insurance disability. We've got a little bit of income protection there. Almost $1,000 in premiums a year, so very, very low premiums. I'll keep an eye on that Clearview policy with you, and it drops under a grands after the rebate. Cool.\n\nWe've got the high growth in there, and there's a really big section on page 13, which is honestly, it's a bit of a wall of text explaining all the reasonings behind the switches that we're doing and everything. Basically, what it boils down to is when we switch investments inside the super, there is capital gains tax that can happen under the hood, and we have the ability to factor that in before we change anything as well.\n\nChannel 1: Okay. Cool.\n\nChannel 0: So what basically happens is when you go through to the actual table itself, it basically says, here's your current balance. We're estimating capital gains tax of the super of $6.93, but the updated portfolio actually drops the yearly fees by currently $400 a year, but they're percentage based. So as your balance grows, the savings actually expand quite exponentially. So at the moment, you go from $600 investment fee to 200, which is, you know, two thirds of it lumped off, which is great, and that ratio will stay there no matter how big your balance is. Performance, it looks it's always funny telling someone that we're we're looking to improve the performance by 2% per per annum.\n\nBut going from that kind of nine and a half to 11 and a half with the high growth, that's a solid 50,000 or above just from the growth allocation the next ten years. So that compounds pretty nicely. And, again, you've got quite a while until retirement, so that'll compound over the decades. At some point, gonna have to reduce the risk level back down. You probably don't wanna be high growth at 64 and then lose half your super a year before you retire, if that makes sense.\n\nChannel 1: Sure. Yeah. Because what's what's retirement? 70 60 what is it? 66?\n\nChannel 0: So 60, you can access the super early. 67\n\nChannel 1: Oh, okay.\n\nChannel 0: is the age pension.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: somewhere between there, are you kind of aiming for as early as possible, or what what type of\n\nChannel 1: I'm\n\nChannel 0: person are you?\n\nChannel 1: way too early to think about that.\n\nChannel 0: Yeah. No. At the moment, just maximize as much growth as possible. And as you get closer, life will tend to crystallize and paint the picture a bit better for\n\nChannel 1: Yep.\n\nChannel 0: us.\n\nChannel 1: Yeah.\n\nChannel 0: Beauty. But there's a big table there that just shows all the investments that we're switching out. Main thing to let you know is that the the main detractor from your performance was Benelong. That's being switched out for something called a 200, which is basically\n\nChannel 1: Yep.\n\nChannel 0: just much lower fees, much better performance, and it will track the stock market in Australia a lot closer than that option was doing. We also have a bit of a strange one, but there's a certain type of term deposit in Australia called bank hybrids, and they're being phased out by the government the next couple of years. So we just got ahead of the curve, and we're recommending that one gets replaced with another type of term deposit, keeps the the safe options there, but we're also halving that. So in order to get you to 90% growth assets, we're gonna take some of the money from those term deposits and basically put them into, you know, the American shares, the gold, all those types of assets.\n\nChannel 1: Yeah.\n\nChannel 0: Cool. It gives you a bit of a growth allocation, so you're gonna go from about 86% to 94. The average that you're aiming for is 90 or basically anywhere between 90 and a 100 is the band that we need to keep you in.\n\nChannel 1: Yep.\n\nChannel 0: Awesome. Mate, that's pretty much it. There's some reminders in there about why you should have a will and a power of attorney and update your beneficiaries, which I won't reiterate. Service fees at the back. So I do need to let you know that it's not gonna impact you right now, but the the service agreement that we have, like your consent through Hub twenty four for Oakview, that's expired.\n\nAnd then what we're doing is we've put in place in our new service guide a tiered fee structure. Now what that basically means is for anyone above 200,000, discounts will start to apply from that 1.65% down to 1.37. And then once you get above 500,000, it'll go down again to 1.1. We're just slowly adding some discounts for the higher balances as we get you up there.\n\nChannel 1: Yep.\n\nChannel 0: Cool. So that's pretty much it. You've got the the authority to proceed on the advice. If you sign that, we can go on and switch the investments. We've got the consent form for hubs so we can remain listed as advisers, and the rest of it is, again, service guide and product documents.\n\nChannel 1: Sure.\n\nChannel 0: Any questions for me at this point?\n\nChannel 1: No. No. Sounds all good.\n\nChannel 0: Cool. Do you want me to get the team to send out those beneficiary forms so you have them or kind of just come back to that next time we speak to\n\nChannel 1: Yeah.\n\nChannel 0: you? What would be your preference?\n\nChannel 1: Yeah. Yeah. Get them sent out. It might prompt me to get it done.\n\nChannel 0: Yep. Easy done. Any questions on that, just give us a call. Couple of minutes, we can run you through it pretty quickly. And, again, it's just one of those things, you know, getting them witnessed by people that aren't your beneficiary, and you should be sweet.\n\nChannel 1: Yep.\n\nChannel 0: Awesome. Well, thank you so much for taking the time, Benjamin. If you can have a quick look at your details in that document before you sign it, just let me know if there's any major changes, and we should be good to go.\n\nChannel 1: Yep. Cool. Thank you.\n\nChannel 0: Fantastic. I'll pop that through your email now and talk to you again soon.\n\nChannel 1: Alright. Thank you very much.\n\nChannel 0: Thanks, mate. Have a great day.\n\nChannel 1: Alright. You too.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.4399999,"end":1.9399999,"sentiment":"neutral","sentiment_score":0.0401623360812664}],"sentiment":"neutral","sentiment_score":0.0401623360812664,"channel":1,"num_words":1,"start":1.4399999,"end":1.9399999},{"sentences":[{"text":"Good afternoon, Benjamin.","start":2.8799999,"end":4.08,"sentiment":"neutral","sentiment_score":0.30324840545654297},{"text":"It's Tommy here from Oakview Financial, senior adviser, mate.","start":4.08,"end":7.2,"sentiment":"neutral","sentiment_score":0.2154591762357288},{"text":"How are you doing?","start":7.2,"end":7.94,"sentiment":"neutral","sentiment_score":0.26330776140093803},{"text":"Living the dream so far.","start":10.0,"end":11.28,"sentiment":"positive","sentiment_score":0.539925879240036},{"text":"It's beautiful and cool on the Gold Coast.","start":11.28,"end":13.2,"sentiment":"positive","sentiment_score":0.7799680531024933}],"sentiment":"positive","sentiment_score":0.44280974721086436,"channel":0,"num_words":29,"start":2.8799999,"end":13.2},{"sentences":[{"text":"What about your end?","start":13.2,"end":13.965,"sentiment":"neutral","sentiment_score":0.21469658613204956},{"text":"That's what we love to hear, mate.","start":18.365,"end":19.985,"sentiment":"positive","sentiment_score":0.6086031453950065},{"text":"I've got you booked in to go through just a bit of an update to the super strategy from a previous conversation you had with my colleague, Kyle.","start":20.205,"end":28.625,"sentiment":"neutral","sentiment_score":0.12587884467627322},{"text":"Do you have a ten minutes free for me?","start":28.98,"end":31.48,"sentiment":"neutral","sentiment_score":0.06606170617871815}],"sentiment":"neutral","sentiment_score":0.19246190351744494,"channel":0,"num_words":48,"start":13.2,"end":31.48},{"sentences":[{"text":"Yep.","start":31.3,"end":31.78,"sentiment":"neutral","sentiment_score":0.0912601873278618},{"text":"I do have ten minutes.","start":31.78,"end":32.9,"sentiment":"neutral","sentiment_score":0.09908506423234939},{"text":"Yes.","start":32.9,"end":33.4,"sentiment":"neutral","sentiment_score":0.19207358360290527}],"sentiment":"neutral","sentiment_score":0.11125129887035914,"channel":1,"num_words":7,"start":31.3,"end":33.4},{"sentences":[{"text":"Sensational.","start":33.94,"end":34.44,"sentiment":"neutral","sentiment_score":0.17579010128974917},{"text":"Now before I dive into it, I'll go through a quick security check with you and send you this email.","start":35.14,"end":40.52,"sentiment":"neutral","sentiment_score":0.05135767124593258},{"text":"Will you be able to look on to the documents with me today, or shall I just walk through what's coming through?","start":40.58,"end":45.965,"sentiment":"neutral","sentiment_score":0.04310691441324624}],"sentiment":"neutral","sentiment_score":0.05003013123953065,"channel":0,"num_words":43,"start":33.94,"end":45.965},{"sentences":[{"text":"Just walk me through for a moment.","start":46.485,"end":47.844997,"sentiment":"neutral","sentiment_score":0.04088771848806313},{"text":"I'm driving right now.","start":47.844997,"end":49.045,"sentiment":"neutral","sentiment_score":0.04361612256616354},{"text":"Yep.","start":49.045,"end":49.545,"sentiment":"neutral","sentiment_score":0.18687407672405243}],"sentiment":"neutral","sentiment_score":0.05396271636709571,"channel":1,"num_words":12,"start":46.485,"end":49.545},{"sentences":[{"text":"Awesome.","start":49.864998,"end":50.364998,"sentiment":"positive","sentiment_score":0.4400325417518616},{"text":"I'll make sure I cover off on all the important points just to make sure that we've been able to discuss them before you sign anything.","start":50.425,"end":56.845,"sentiment":"neutral","sentiment_score":0.2675996990158008},{"text":"And then just when you get a chance, have a look through and just call back with any questions if you do.","start":57.02,"end":62.32,"sentiment":"neutral","sentiment_score":0.17156179452484305}],"sentiment":"neutral","sentiment_score":0.22799967746345365,"channel":0,"num_words":49,"start":49.864998,"end":62.32},{"sentences":[{"text":"Sure.","start":62.73,"end":63.23,"sentiment":"neutral","sentiment_score":0.12759293615818024}],"sentiment":"neutral","sentiment_score":0.12759293615818024,"channel":1,"num_words":1,"start":62.73,"end":63.23},{"sentences":[{"text":"Awesome.","start":63.66,"end":64.06,"sentiment":"neutral","sentiment_score":0.20091493427753448},{"text":"So I'm registered with adviser one two seven three one zero five.","start":64.06,"end":68.0,"sentiment":"neutral","sentiment_score":0.07043825027843316},{"text":"For security of your information, can I please confirm your date of birth and address?","start":68.38,"end":73.485,"sentiment":"neutral","sentiment_score":0.050408267478148146}],"sentiment":"neutral","sentiment_score":0.06436778392110552,"channel":0,"num_words":28,"start":63.66,"end":73.485},{"sentences":[{"text":"Yes.","start":74.515,"end":75.015,"sentiment":"neutral","sentiment_score":0.01431440282613039},{"text":"Date of birth, the 08/22/5890.","start":76.835,"end":79.895004,"sentiment":"neutral","sentiment_score":0.016795275919139385},{"text":"Address, 89 Maurer Glen Valley.","start":81.075005,"end":83.495,"sentiment":"neutral","sentiment_score":0.033040604740381244}],"sentiment":"neutral","sentiment_score":0.023953982374884865,"channel":1,"num_words":11,"start":74.515,"end":83.495},{"sentences":[{"text":"Sensational.","start":84.35,"end":84.85,"sentiment":"neutral","sentiment_score":0.07414459437131882},{"text":"Thank you so much for that.","start":85.07,"end":86.11,"sentiment":"positive","sentiment_score":0.4189209391673406},{"text":"And are you okay for the call to be recorded?","start":86.11,"end":88.37,"sentiment":"neutral","sentiment_score":0.10446826517581939}],"sentiment":"neutral","sentiment_score":0.21366781653726802,"channel":0,"num_words":17,"start":84.35,"end":88.37},{"sentences":[{"text":"Yep.","start":89.09,"end":89.59,"sentiment":"neutral","sentiment_score":0.1261311173439026}],"sentiment":"neutral","sentiment_score":0.1261311173439026,"channel":1,"num_words":1,"start":89.09,"end":89.59},{"sentences":[{"text":"Beautiful.","start":90.35,"end":90.85,"sentiment":"neutral","sentiment_score":0.259220153093338},{"text":"So when you go through and look at the statement of advice that I send through, there's","start":90.99,"end":97.005,"sentiment":"neutral","sentiment_score":0.03562329446568208}],"sentiment":"neutral","sentiment_score":0.04804534216721853,"channel":0,"num_words":18,"start":90.35,"end":97.005},{"sentences":[{"text":"Yep.","start":96.85,"end":97.35,"sentiment":"neutral","sentiment_score":0.021408049389719963}],"sentiment":"neutral","sentiment_score":0.021408049389719963,"channel":1,"num_words":1,"start":96.85,"end":97.35},{"sentences":[{"text":"honestly, there's about seven documents attached with it, and most of it is all supporting product documents from the super funds, some updated service guides with Oakview.","start":97.965,"end":109.185,"sentiment":"neutral","sentiment_score":0.0655687326496398},{"text":"Hub twenty four has updated their investment menu, so there's a lot of extra documents just there for your records.","start":110.18,"end":115.24,"sentiment":"neutral","sentiment_score":0.10214209482073784}],"sentiment":"neutral","sentiment_score":0.08113186548840493,"channel":0,"num_words":47,"start":97.965,"end":115.24},{"sentences":[{"text":"Yep.","start":116.78999,"end":117.28999,"sentiment":"neutral","sentiment_score":0.062087174504995346}],"sentiment":"neutral","sentiment_score":0.062087174504995346,"channel":1,"num_words":1,"start":116.78999,"end":117.28999},{"sentences":[{"text":"There's also the main thing is a statement of advice.","start":117.7,"end":120.02,"sentiment":"neutral","sentiment_score":0.04228458311408758},{"text":"So when you open up that email, it'll have a purple button saying sign.","start":120.02,"end":124.034996,"sentiment":"neutral","sentiment_score":0.026508342325022177},{"text":"When you click it, it'll bring open all of the documents to scroll through, and then you can go through and make sure you you're comfortable with them before you sign anything.","start":124.175,"end":132.515,"sentiment":"neutral","sentiment_score":0.17189045995473862}],"sentiment":"neutral","sentiment_score":0.11240102396862182,"channel":0,"num_words":56,"start":117.7,"end":132.515},{"sentences":[{"text":"Yep.","start":133.245,"end":133.745,"sentiment":"neutral","sentiment_score":0.12812036275863647}],"sentiment":"neutral","sentiment_score":0.12812036275863647,"channel":1,"num_words":1,"start":133.245,"end":133.745},{"sentences":[{"text":"Now in terms of the advice scoping, so we've had a few changes this year with what kind of kicked off in March with the Iran war.","start":134.6,"end":144.14,"sentiment":"neutral","sentiment_score":-0.021436766893775376},{"text":"And off the back of that, you've probably seen there's been some changes with the the property laws regarding capital gains, negative gearing, and so on.","start":144.52,"end":153.065,"sentiment":"neutral","sentiment_score":-0.06459788526766576}],"sentiment":"neutral","sentiment_score":-0.04261014571870273,"channel":0,"num_words":53,"start":134.6,"end":153.065},{"sentences":[{"text":"Not really, but I don't really watch it.","start":154.51,"end":156.845,"sentiment":"neutral","sentiment_score":-0.19594677910208702},{"text":"So the link","start":156.845,"end":158.42502,"sentiment":"neutral","sentiment_score":-0.03667811180154482}],"sentiment":"neutral","sentiment_score":-0.15250986983830278,"channel":1,"num_words":11,"start":154.51,"end":158.42502},{"sentences":[{"text":"No.","start":158.245,"end":158.485,"sentiment":"neutral","sentiment_score":-0.11287061870098114},{"text":"That's fair enough.","start":158.485,"end":159.445,"sentiment":"neutral","sentiment_score":-0.03292308747768402},{"text":"So what I'm basically saying here is that we've had to factor all of that into the updated portfolio a little bit more slowly than what we were leaning towards previously.","start":159.445,"end":167.88,"sentiment":"neutral","sentiment_score":0.015242539586559418}],"sentiment":"neutral","sentiment_score":0.007453681315694537,"channel":0,"num_words":35,"start":158.245,"end":167.88},{"sentences":[{"text":"yeah.","start":168.845,"end":169.345,"sentiment":"neutral","sentiment_score":0.04598559811711311},{"text":"Yeah.","start":169.725,"end":170.225,"sentiment":"neutral","sentiment_score":0.06380918622016907}],"sentiment":"neutral","sentiment_score":0.05489739216864109,"channel":1,"num_words":2,"start":168.845,"end":170.225},{"sentences":[{"text":"Now what you'll see on there, sir, my license details will be on the front of the document.","start":170.5,"end":174.44,"sentiment":"neutral","sentiment_score":0.07418733379907078},{"text":"There will be a scope of advice section just talking about what we were trying to aim for for this strategy and what's not being covered.","start":174.66,"end":183.265,"sentiment":"neutral","sentiment_score":0.0591066677409869},{"text":"Now in terms of the scope, we're updating the super portfolio.","start":184.125,"end":188.705,"sentiment":"neutral","sentiment_score":0.08381529287858443},{"text":"You had a discussion about increasing your growth allocation to a","start":188.765,"end":194.7,"sentiment":"neutral","sentiment_score":0.08671516688032584}],"sentiment":"neutral","sentiment_score":0.07193909737874161,"channel":0,"num_words":66,"start":170.5,"end":194.7},{"sentences":[{"text":"Yes.","start":194.655,"end":194.91,"sentiment":"neutral","sentiment_score":0.07377921789884567}],"sentiment":"neutral","sentiment_score":0.07377921789884567,"channel":1,"num_words":1,"start":194.655,"end":194.91},{"sentences":[{"text":"bit more of a high growth risk profile, get a bit higher long term returns.","start":194.7,"end":198.06,"sentiment":"neutral","sentiment_score":0.06409224768479665},{"text":"Does that ring a 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can always be put in place in the interim if you prefer, or we can just do both at the same time once the wheel's in place.","start":272.225,"end":279.925,"sentiment":"neutral","sentiment_score":0.12317554883915803},{"text":"Cool.","start":282.4,"end":282.9,"sentiment":"positive","sentiment_score":0.38908714056015015}],"sentiment":"neutral","sentiment_score":0.12011708144811874,"channel":0,"num_words":47,"start":265.82,"end":282.9},{"sentences":[{"text":"Yep.","start":283.06,"end":283.56,"sentiment":"positive","sentiment_score":0.4067975878715515}],"sentiment":"positive","sentiment_score":0.4067975878715515,"channel":1,"num_words":1,"start":283.06,"end":283.56},{"sentences":[{"text":"The insurances at the time, everything was looking really, really good, and we're basically just factoring in the premium impact to make sure that we can show you what that's doing to the super in the updated 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policy.","start":341.83,"end":347.425,"sentiment":"neutral","sentiment_score":0.12800444709137082},{"text":"So nothing major change there.","start":347.645,"end":349.645,"sentiment":"neutral","sentiment_score":0.027309425920248032},{"text":"No random extra loans or anything like that.","start":349.645,"end":352.545,"sentiment":"neutral","sentiment_score":-0.05843553738668561}],"sentiment":"neutral","sentiment_score":0.1503561238447825,"channel":0,"num_words":57,"start":331.515,"end":352.545},{"sentences":[{"text":"No.","start":353.955,"end":354.115,"sentiment":"neutral","sentiment_score":-0.06546393036842346},{"text":"No.","start":354.115,"end":354.595,"sentiment":"neutral","sentiment_score":-0.07428526878356934},{"text":"The car might be upgraded in March, but that's a long term plan at the moment.","start":355.235,"end":361.09497,"sentiment":"neutral","sentiment_score":-0.012015091779176146}],"sentiment":"neutral","sentiment_score":-0.018443925978822842,"channel":1,"num_words":18,"start":353.955,"end":361.09497},{"sentences":[{"text":"Perfect.","start":362.01,"end":362.51,"sentiment":"neutral","sentiment_score":0.222678542137146},{"text":"And no million dollars worth of cryptocurrency lying under the pillow or anything like that, Benjamin?","start":363.69,"end":367.87,"sentiment":"neutral","sentiment_score":-0.009827673435211182}],"sentiment":"neutral","sentiment_score":0.003849162774927476,"channel":0,"num_words":17,"start":362.01,"end":367.87},{"sentences":[{"text":"I wish.","start":368.25,"end":369.07,"sentiment":"neutral","sentiment_score":-0.15611157566308975},{"text":"Wouldn't 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that.","start":529.30005,"end":531.24005,"sentiment":"neutral","sentiment_score":-0.2075521775654384}],"sentiment":"neutral","sentiment_score":-0.2075521775654384,"channel":1,"num_words":7,"start":529.30005,"end":531.24005},{"sentences":[{"text":"Yeah.","start":531.515,"end":531.91504,"sentiment":"neutral","sentiment_score":-0.009660648182034492},{"text":"No.","start":531.91504,"end":532.38,"sentiment":"neutral","sentiment_score":-0.13513579964637756},{"text":"At the moment, just maximize as much growth as possible.","start":532.46,"end":535.02,"sentiment":"neutral","sentiment_score":0.08545484840869903},{"text":"And as you get closer, life will tend to crystallize and paint the picture a bit better for","start":535.02,"end":539.26,"sentiment":"neutral","sentiment_score":0.14971429482102394}],"sentiment":"neutral","sentiment_score":0.11348697810123363,"channel":0,"num_words":30,"start":531.515,"end":539.26},{"sentences":[{"text":"Yep.","start":539.185,"end":539.685,"sentiment":"neutral","sentiment_score":0.03882652521133423}],"sentiment":"neutral","sentiment_score":0.03882652521133423,"channel":1,"num_words":1,"start":539.185,"end":539.685},{"sentences":[{"text":"us.","start":539.26,"end":539.76,"sentiment":"neutral","sentiment_score":0.04345940425992012}],"sentiment":"neutral","sentiment_score":0.04345940425992012,"channel":0,"num_words":1,"start":539.26,"end":539.76},{"sentences":[{"text":"Yeah.","start":540.065,"end":540.565,"sentiment":"neutral","sentiment_score":0.14751669764518738}],"sentiment":"neutral","sentiment_score":0.14751669764518738,"channel":1,"num_words":1,"start":540.065,"end":540.565},{"sentences":[{"text":"Beauty.","start":541.5,"end":542.0,"sentiment":"neutral","sentiment_score":0.2082390338182449},{"text":"But there's a big table there that just shows all the investments that we're switching out.","start":543.18,"end":547.155,"sentiment":"neutral","sentiment_score":-0.04466118919663131},{"text":"Main thing to let you know is that the the main detractor from your performance was Benelong.","start":547.395,"end":553.335,"sentiment":"neutral","sentiment_score":-0.25086189981769114},{"text":"That's being switched out for something called a 200, which is basically","start":553.79504,"end":558.275,"sentiment":"neutral","sentiment_score":-0.06917995493859053}],"sentiment":"neutral","sentiment_score":-0.12176416846721069,"channel":0,"num_words":46,"start":541.5,"end":558.275},{"sentences":[{"text":"Yep.","start":558.11,"end":558.61,"sentiment":"neutral","sentiment_score":-0.011340889148414137}],"sentiment":"neutral","sentiment_score":-0.011340889148414137,"channel":1,"num_words":1,"start":558.11,"end":558.61},{"sentences":[{"text":"just much lower fees, much better performance, and it will track the stock market in Australia a lot closer than that option was doing.","start":558.275,"end":566.17,"sentiment":"neutral","sentiment_score":-0.0034085484221577644},{"text":"We also have a bit of a strange one, but there's a certain type of term deposit in Australia called bank hybrids, and they're being phased out by the government the next couple of years.","start":567.99,"end":578.61505,"sentiment":"neutral","sentiment_score":-0.0703560902604035},{"text":"So we just got ahead of the curve, and we're recommending that one gets replaced with another type of term deposit, keeps the the safe options there, but we're also halving that.","start":578.61505,"end":589.23,"sentiment":"neutral","sentiment_score":0.014542309916578233},{"text":"So in order to get you to 90% growth assets, we're gonna take some of the money from those term deposits and basically put them into, you know, the American shares, the gold, all those types of assets.","start":589.23,"end":601.265,"sentiment":"neutral","sentiment_score":0.08956308653087992}],"sentiment":"neutral","sentiment_score":0.010267309180294821,"channel":0,"num_words":129,"start":558.275,"end":601.265},{"sentences":[{"text":"Yeah.","start":602.025,"end":602.525,"sentiment":"neutral","sentiment_score":0.26060062646865845}],"sentiment":"neutral","sentiment_score":0.26060062646865845,"channel":1,"num_words":1,"start":602.025,"end":602.525},{"sentences":[{"text":"Cool.","start":603.245,"end":603.745,"sentiment":"positive","sentiment_score":0.5401452779769897},{"text":"It gives you a bit of a growth allocation, so you're gonna go from about 86% to 94.","start":604.445,"end":609.585,"sentiment":"positive","sentiment_score":0.45544661581516266},{"text":"The average that you're aiming for is 90 or basically anywhere between 90 and a 100 is the band that we need to keep you in.","start":609.72504,"end":617.19995,"sentiment":"neutral","sentiment_score":0.3117351635144307}],"sentiment":"positive","sentiment_score":0.37429552475611366,"channel":0,"num_words":45,"start":603.245,"end":617.19995},{"sentences":[{"text":"Yep.","start":617.77997,"end":618.27997,"sentiment":"neutral","sentiment_score":0.32020139694213867}],"sentiment":"neutral","sentiment_score":0.32020139694213867,"channel":1,"num_words":1,"start":617.77997,"end":618.27997},{"sentences":[{"text":"Awesome.","start":618.94,"end":619.44,"sentiment":"positive","sentiment_score":0.6904842853546143},{"text":"Mate, that's pretty much it.","start":619.89996,"end":621.26,"sentiment":"positive","sentiment_score":0.34058136530220506},{"text":"There's some reminders in there about why you should have a will and a power of attorney and update your beneficiaries, which I won't reiterate.","start":621.26,"end":628.115,"sentiment":"neutral","sentiment_score":0.0211205442994833},{"text":"Service fees at the back.","start":630.335,"end":631.955,"sentiment":"neutral","sentiment_score":-0.00625255424529314},{"text":"So I do need to let you know that it's not gonna impact you right now, but the the service agreement that we have, like your consent through Hub twenty four for Oakview, that's expired.","start":632.09503,"end":644.66,"sentiment":"neutral","sentiment_score":0.01152974793887032}],"sentiment":"neutral","sentiment_score":0.046389903182911515,"channel":0,"num_words":71,"start":618.94,"end":644.66},{"sentences":[{"text":"And then what we're doing is we've put in place in our new service guide a tiered fee structure.","start":644.95996,"end":651.77997,"sentiment":"neutral","sentiment_score":0.05940199937475355},{"text":"Now what that basically means is for anyone above 200,000, discounts will start to apply from that 1.65% down to 1.37.","start":653.12,"end":663.685,"sentiment":"neutral","sentiment_score":0.042278608307242393},{"text":"And then once you get above 500,000, it'll go down again to 1.1.","start":663.685,"end":667.625,"sentiment":"neutral","sentiment_score":0.03529468766198708},{"text":"We're just slowly adding some discounts for the higher balances as we get you up there.","start":667.73004,"end":672.31,"sentiment":"neutral","sentiment_score":0.04886207228992134}],"sentiment":"neutral","sentiment_score":0.04720453418575335,"channel":0,"num_words":69,"start":644.95996,"end":672.31},{"sentences":[{"text":"Yep.","start":673.5,"end":674.0,"sentiment":"neutral","sentiment_score":0.18057462573051453}],"sentiment":"neutral","sentiment_score":0.18057462573051453,"channel":1,"num_words":1,"start":673.5,"end":674.0},{"sentences":[{"text":"Cool.","start":674.85004,"end":675.35004,"sentiment":"neutral","sentiment_score":0.32127413153648376},{"text":"So that's pretty much it.","start":675.57,"end":676.77,"sentiment":"neutral","sentiment_score":0.2963595032691956},{"text":"You've got the the authority to proceed on the advice.","start":676.77,"end":680.31,"sentiment":"neutral","sentiment_score":0.20543792247772216},{"text":"If you sign that, we can go on and switch the investments.","start":680.565,"end":683.78503,"sentiment":"neutral","sentiment_score":0.16239191281298795},{"text":"We've got the consent form for hubs so we can remain listed as advisers, and the rest of it is, again, service guide and product documents.","start":684.405,"end":692.825,"sentiment":"neutral","sentiment_score":0.1250258285838824}],"sentiment":"neutral","sentiment_score":0.16771898832586077,"channel":0,"num_words":54,"start":674.85004,"end":692.825},{"sentences":[{"text":"Sure.","start":693.87,"end":694.37,"sentiment":"neutral","sentiment_score":0.058206722140312195}],"sentiment":"neutral","sentiment_score":0.058206722140312195,"channel":1,"num_words":1,"start":693.87,"end":694.37},{"sentences":[{"text":"Any questions for me at this point?","start":695.29,"end":696.91,"sentiment":"neutral","sentiment_score":0.021740069080676352}],"sentiment":"neutral","sentiment_score":0.021740069080676352,"channel":0,"num_words":7,"start":695.29,"end":696.91},{"sentences":[{"text":"No.","start":697.95,"end":698.19,"sentiment":"neutral","sentiment_score":-0.0490216501057148},{"text":"No.","start":698.19,"end":698.69,"sentiment":"neutral","sentiment_score":-0.016904417425394058},{"text":"Sounds all good.","start":698.91,"end":699.89,"sentiment":"neutral","sentiment_score":0.11574221029877663}],"sentiment":"neutral","sentiment_score":0.056260112673044205,"channel":1,"num_words":5,"start":697.95,"end":699.89},{"sentences":[{"text":"Cool.","start":700.64996,"end":701.14996,"sentiment":"neutral","sentiment_score":0.19299091398715973},{"text":"Do you want me to get the team to send out those beneficiary forms so you have them or kind of just come back to that next time we speak to","start":701.44995,"end":709.055,"sentiment":"neutral","sentiment_score":0.05915979488242057}],"sentiment":"neutral","sentiment_score":0.06334201735444367,"channel":0,"num_words":32,"start":700.64996,"end":709.055},{"sentences":[{"text":"Yeah.","start":709.055,"end":709.555,"sentiment":"neutral","sentiment_score":0.023664217442274097}],"sentiment":"neutral","sentiment_score":0.023664217442274097,"channel":1,"num_words":1,"start":709.055,"end":709.555},{"sentences":[{"text":"you?","start":709.055,"end":709.21497,"sentiment":"neutral","sentiment_score":0.029359962791204453},{"text":"What would be your preference?","start":709.21497,"end":710.355,"sentiment":"neutral","sentiment_score":0.029187948256731034}],"sentiment":"neutral","sentiment_score":0.029216617345809937,"channel":0,"num_words":6,"start":709.055,"end":710.355},{"sentences":[{"text":"Yeah.","start":710.415,"end":710.915,"sentiment":"neutral","sentiment_score":0.06278294324874878},{"text":"Yeah.","start":711.45496,"end":711.615,"sentiment":"neutral","sentiment_score":0.07582226395606995},{"text":"Get them sent out.","start":711.615,"end":712.57495,"sentiment":"neutral","sentiment_score":0.06935064122080803},{"text":"It might prompt me to get it done.","start":712.57495,"end":714.195,"sentiment":"neutral","sentiment_score":0.08585073333233595}],"sentiment":"neutral","sentiment_score":0.07877240276762418,"channel":1,"num_words":14,"start":710.415,"end":714.195},{"sentences":[{"text":"Yep.","start":714.495,"end":714.995,"sentiment":"neutral","sentiment_score":0.2278498262166977},{"text":"Easy done.","start":715.21497,"end":716.115,"sentiment":"positive","sentiment_score":0.3571377992630005},{"text":"Any questions on that, just give us a call.","start":716.175,"end":718.415,"sentiment":"neutral","sentiment_score":0.1711411095327801},{"text":"Couple of minutes, we can run you through it pretty quickly.","start":718.415,"end":720.83496,"sentiment":"neutral","sentiment_score":0.23351691527800125},{"text":"And, again, it's just one of those things, you know, getting them witnessed by people that aren't your beneficiary, and you should be sweet.","start":721.295,"end":727.37,"sentiment":"neutral","sentiment_score":0.1462587940817078}],"sentiment":"neutral","sentiment_score":0.18215516035227067,"channel":0,"num_words":47,"start":714.495,"end":727.37},{"sentences":[{"text":"Yep.","start":728.51,"end":729.01,"sentiment":"neutral","sentiment_score":0.25617334246635437}],"sentiment":"neutral","sentiment_score":0.25617334246635437,"channel":1,"num_words":1,"start":728.51,"end":729.01},{"sentences":[{"text":"Awesome.","start":729.67004,"end":730.17004,"sentiment":"positive","sentiment_score":0.5065070986747742},{"text":"Well, thank you so much for taking the time, Benjamin.","start":730.31,"end":732.65,"sentiment":"positive","sentiment_score":0.616089004278183},{"text":"If you can have a quick look at your details in that document before you sign it, just let me know if there's any major changes, and we should be good to go.","start":732.95,"end":742.905,"sentiment":"positive","sentiment_score":0.41096245249112445}],"sentiment":"positive","sentiment_score":0.45975359258326615,"channel":0,"num_words":44,"start":729.67004,"end":742.905},{"sentences":[{"text":"Yep.","start":743.25494,"end":743.495,"sentiment":"neutral","sentiment_score":0.23129765689373016},{"text":"Cool.","start":743.495,"end":743.81494,"sentiment":"positive","sentiment_score":0.4632740020751953},{"text":"Thank you.","start":743.81494,"end":744.475,"sentiment":"positive","sentiment_score":0.5795642137527466}],"sentiment":"positive","sentiment_score":0.46342502161860466,"channel":1,"num_words":4,"start":743.25494,"end":744.475},{"sentences":[{"text":"Fantastic.","start":744.885,"end":745.385,"sentiment":"neutral","sentiment_score":0.22878676652908325},{"text":"I'll pop that through your email now and talk to you again soon.","start":745.67694,"end":749.37695,"sentiment":"positive","sentiment_score":0.3963688336885892}],"sentiment":"positive","sentiment_score":0.3843986860343388,"channel":0,"num_words":14,"start":744.885,"end":749.37695},{"sentences":[{"text":"Alright.","start":749.7369,"end":749.89685,"sentiment":"positive","sentiment_score":0.5828986167907715},{"text":"Thank you very much.","start":749.89685,"end":750.87683,"sentiment":"positive","sentiment_score":0.8556319773197174}],"sentiment":"positive","sentiment_score":0.8010853052139282,"channel":1,"num_words":5,"start":749.7369,"end":750.87683},{"sentences":[{"text":"Thanks, mate.","start":751.0369,"end":751.5969,"sentiment":"positive","sentiment_score":0.8602555692195892},{"text":"Have a great day.","start":751.5969,"end":752.49695,"sentiment":"positive","sentiment_score":0.7964106947183609}],"sentiment":"positive","sentiment_score":0.8176923195521036,"channel":0,"num_words":6,"start":751.0369,"end":752.49695},{"sentences":[{"text":"Alright.","start":752.69684,"end":753.09686,"sentiment":"positive","sentiment_score":0.48304611444473267},{"text":"You too.","start":753.09686,"end":753.6768,"sentiment":"positive","sentiment_score":0.43880075216293335}],"sentiment":"positive","sentiment_score":0.45354920625686646,"channel":1,"num_words":3,"start":752.69684,"end":753.6768},{"sentences":[{"text":"Bye.","start":754.1569,"end":754.6569,"sentiment":"neutral","sentiment_score":0.2872471511363983}],"sentiment":"neutral","sentiment_score":0.2872471511363983,"channel":0,"num_words":1,"start":754.1569,"end":754.6569},{"sentences":[{"text":"Bye.","start":754.45685,"end":754.95685,"sentiment":"neutral","sentiment_score":-0.11316756904125214}],"sentiment":"neutral","sentiment_score":-0.11316756904125214,"channel":1,"num_words":1,"start":754.45685,"end":754.95685}]},"summary":{"result":"success","short":"A representative from Oakview Financial, Tommy, contacts Benjamin to discuss his investment strategy and portfolio, emphasizing his growth and lifestyle. The speaker also reminds Benjamin about his beneficiary nominations and advises him to fill out a retirement retirement plan and lifestyle decision. They discuss the growth allocation and beneficiary nominations for the Yep. bit program, emphasizing the importance of beneficiary nominations and the use of a will in place. The speaker emphasizes maximizing growth and the use of the Yep. bit program, highlighting the benefits of their insurance policy, the retirement age, and the possibility of a lower growth rate. They offer to send beneficiary forms and provide instructions for signing them."},"intents":{"segments":[{"text":"I've got you booked in to go through just a bit of an update to the super strategy from a previous conversation you had with my colleague, Kyle. Do you have a ten minutes free for me? Yep.","start_word":41,"end_word":78,"intents":[{"intent":"Update super strategy","confidence_score":0.09358357}]},{"text":"I'll make sure I cover off on all the important points just to make sure that we've been able to discuss them before you sign anything. And then just when you get a chance, have a look through and just call back with any questions if you do. Sure. Awesome.","start_word":141,"end_word":190,"intents":[{"intent":"Review and discuss important points","confidence_score":0.012688667}]},{"text":"So I'm registered with adviser one two seven three one zero five. For security of your information, can I please confirm your date of birth and address? Yes.","start_word":191,"end_word":218,"intents":[{"intent":"Provide information","confidence_score":0.0070524416}]},{"text":"For security of your information, can I please confirm your date of birth and address? Yes.","start_word":203,"end_word":218,"intents":[{"intent":"Confirm date of birth","confidence_score":0.0363417}]},{"text":"Address, 89 Maurer Glen Valley. Sensational.","start_word":224,"end_word":229,"intents":[{"intent":"Confirm address","confidence_score":0.20612246},{"intent":"Confirm address","confidence_score":0.0074457354}]},{"text":"Hub twenty four has updated their investment menu, so there's a lot of extra documents just there for your records.","start_word":293,"end_word":312,"intents":[{"intent":"Update investment menu","confidence_score":0.03755894}]},{"text":"There's also the main thing is a statement of advice. So when you open up that email, it'll have a purple button saying sign.","start_word":314,"end_word":337,"intents":[{"intent":"Sign purple button","confidence_score":0.11188239}]},{"text":"So what I'm basically saying here is that we've had to factor all of that into the updated portfolio a little bit more slowly than what we were leaning towards previously. yeah.","start_word":439,"end_word":470,"intents":[{"intent":"Update portfolio","confidence_score":0.122356944}]},{"text":"bit more of a high growth risk profile, get a bit higher long term returns. Does that ring a bell?","start_word":539,"end_word":558,"intents":[{"intent":"Address inflation","confidence_score":0.00022356489}]},{"text":"So the recommendation is just to do a combo. You aim your super and everything to your estate, and then you put in place those nominations with the will in place as well. Yeah.","start_word":687,"end_word":720,"intents":[{"intent":"Recommend combo","confidence_score":0.25633463}]},{"text":"The insurances at the time, everything was looking really, really good, and we're basically just factoring in the premium impact to make sure that we can show you what that's doing to the super in the updated projections. Yep. Perfect.","start_word":797,"end_word":836,"intents":[{"intent":"Show impact of insurance","confidence_score":0.00032355846}]},{"text":"Not giving any budgeting or cash flow advice because you're obviously looking towards purchasing a home, and that's obviously a bit of a long term goal. The economy is a little bit rough at the moment, so Yeah. something to work towards over time. Just saving at the moment.","start_word":837,"end_word":885,"intents":[{"intent":"Discuss long-term goals","confidence_score":0.25557426}]},{"text":"It does go through an about you section just about your occupation and income, phone number, email address, just making sure all that's still up to date.","start_word":927,"end_word":953,"intents":[{"intent":"Discuss phone number and email","confidence_score":0.0011986566}]},{"text":"Assets and liabilities, we've got your car, we've got the savings, We've got the insurance policy. So nothing major change there. No random extra loans or anything like that. No. No.","start_word":954,"end_word":984,"intents":[{"intent":"Check asset and liabilities","confidence_score":0.0018423713}]},{"text":"The car might be upgraded in March, but that's a long term plan at the moment. Perfect.","start_word":985,"end_word":1001,"intents":[{"intent":"Recommend car upgrade","confidence_score":0.0064206943},{"intent":"Mention future plans","confidence_score":0.00085217826}]},{"text":"We've got the high growth in there, and there's a really big section on page 13, which is honestly, it's a bit of a wall of text explaining all the reasonings behind the switches that we're doing and everything. Basically, what it boils down to is when we switch investments inside the super, there is capital gains tax that can happen under the hood, and we have the ability to factor that in before we change anything as well.","start_word":1092,"end_word":1170,"intents":[{"intent":"Clarify policy explanations","confidence_score":0.0024935706}]},{"text":"At the moment, just maximize as much growth as possible. And as you get closer, life will tend to crystallize and paint the picture a bit better for Yep. us. Yeah.","start_word":1443,"end_word":1473,"intents":[{"intent":"Maximize growth","confidence_score":0.53806216},{"intent":"Maximize growth","confidence_score":0.14361942}]},{"text":"Main thing to let you know is that the the main detractor from your performance was Benelong. That's being switched out for something called a 200, which is basically Yep. just much lower fees, much better performance, and it will track the stock market in Australia a lot closer than that option was doing.","start_word":1491,"end_word":1544,"intents":[{"intent":"Track stock market","confidence_score":0.67414385}]},{"text":"We also have a bit of a strange one, but there's a certain type of term deposit in Australia called bank hybrids, and they're being phased out by the government the next couple of years. So we just got ahead of the curve, and we're recommending that one gets replaced with another type of term deposit, keeps the the safe options there, but we're also halving that.","start_word":1545,"end_word":1611,"intents":[{"intent":"Replace term deposit","confidence_score":0.1012094}]},{"text":"There's some reminders in there about why you should have a will and a power of attorney and update your beneficiaries, which I won't reiterate.","start_word":1704,"end_word":1728,"intents":[{"intent":"Update beneficiaries","confidence_score":0.28675404}]},{"text":"Now what that basically means is for anyone above 200,000, discounts will start to apply from that 1.65% down to 1.37.","start_word":1787,"end_word":1807,"intents":[{"intent":"Apply discounts","confidence_score":0.34515336}]},{"text":"If you sign that, we can go on and switch the investments. We've got the consent form for hubs so we can remain listed as advisers, and the rest of it is, again, service guide and product documents. Sure.","start_word":1854,"end_word":1892,"intents":[{"intent":"Switch investments","confidence_score":0.5569913}]},{"text":"Do you want me to get the team to send out those beneficiary forms so you have them or kind of just come back to that next time we speak to you? Yeah.","start_word":1906,"end_word":1938,"intents":[{"intent":"Send beneficiary forms","confidence_score":0.7838875}]},{"text":"Well, thank you so much for taking the time, Benjamin. If you can have a quick look at your details in that document before you sign it, just let me know if there's any major changes, and we should be good to go. Yep.","start_word":2007,"end_word":2050,"intents":[{"intent":"Check details","confidence_score":0.02262917}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon, Benjamin. It's Tommy here from Oakview Financial, senior adviser, mate. How are you doing?","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.23099586367607117},{"text":"Living the dream so far. It's beautiful and cool on the Gold Coast.","start_word":17,"end_word":29,"sentiment":"positive","sentiment_score":0.6988888382911682},{"text":"What about your end?","start_word":30,"end_word":33,"sentiment":"neutral","sentiment_score":0.2347007542848587},{"text":"That's what we love to hear, mate.","start_word":34,"end_word":40,"sentiment":"positive","sentiment_score":0.5936646461486816},{"text":"I've got you booked in to go through just a bit of an update to the super strategy from a previous conversation you had with my colleague, Kyle. Do you have a ten minutes free for me? Yep. I do have ten minutes. Yes. Sensational. Now before I dive into it, I'll go through a quick security check with you and send you this email. Will you be able to look on to the documents with me today, or shall I just walk through what's coming through? Just walk me through for a moment. I'm driving right now. Yep.","start_word":41,"end_word":139,"sentiment":"neutral","sentiment_score":0.08271259069442749},{"text":"Awesome.","start_word":140,"end_word":140,"sentiment":"positive","sentiment_score":0.4400325417518616},{"text":"I'll make sure I cover off on all the important points just to make sure that we've been able to discuss them before you sign anything. And then just when you get a chance, have a look through and just call back with any questions if you do. Sure. Awesome. So I'm registered with adviser one two seven three one zero five. For security of your information, can I please confirm your date of birth and address? Yes. Date of birth, the 08/22/5890. Address, 89 Maurer Glen Valley. Sensational.","start_word":141,"end_word":229,"sentiment":"neutral","sentiment_score":0.1368938535451889},{"text":"Thank you so much for that.","start_word":230,"end_word":235,"sentiment":"positive","sentiment_score":0.41811439394950867},{"text":"And are you okay for the call to be recorded? Yep. Beautiful. So when you go through and look at the statement of advice that I send through, there's Yep. honestly, there's about seven documents attached with it, and most of it is all supporting product documents from the super funds, some updated service guides with Oakview. Hub twenty four has updated their investment menu, so there's a lot of extra documents just there for your records. Yep. There's also the main thing is a statement of advice. So when you open up that email, it'll have a purple button saying sign. When you click it, it'll bring open all of the documents to scroll through, and then you can go through and make sure you you're comfortable with them before you sign anything. Yep. Now in terms of the advice scoping, so we've had a few changes this year with what kind of kicked off in March with the Iran war. And off the back of that, you've probably seen there's been some changes with the the property laws regarding capital gains, negative gearing, and so on. Not really, but I don't really watch it. So the link No. That's fair enough. So what I'm basically saying here is that we've had to factor all of that into the updated portfolio a little bit more slowly than what we were leaning towards previously. yeah. Yeah. Now what you'll see on there, sir, my license details will be on the front of the document. There will be a scope of advice section just talking about what we were trying to aim for for this strategy and what's not being covered. Now in terms of the scope, we're updating the super portfolio. You had a discussion about increasing your growth allocation to a Yes. bit more of a high growth risk profile, get a bit higher long term returns. Does that ring a bell? Yes. Yeah.","start_word":236,"end_word":560,"sentiment":"neutral","sentiment_score":0.04576987966895103},{"text":"I did do that. Perfect. So that's the main focus alongside the portfolio.","start_word":561,"end_word":573,"sentiment":"positive","sentiment_score":0.4029596149921417},{"text":"We're kind of gonna bump up the growth allocation from that 80% average to 90% growth assets. And at the same time, I'm gonna switch a few things around as well. Yep. Now there was a bit of a reminder there just in terms of estate planning because we just had the usual notes that you probably don't have, like, a will in place right now, but it was does that ring a bell? Yeah. I still don't know that. No. That's fair enough. So yearly reminder for that one. But the more important Yep. bit is the beneficiary nominations. Yeah. Which I can't do without getting my wheels all good. Yeah. So the recommendation is just to do a combo. You aim your super and everything to your estate, and then you put in place those nominations with the will in place as well. Yeah. Yeah. Yeah. Because I have no I have no spouse, but it would have for your relatives. I have to get billed so I can have the Yep. nomination. You got it. Now just bear in mind that the, like, life insurance can go to anyone. So that can always be put in place in the interim if you prefer, or we can just do both at the same time once the wheel's in place.","start_word":574,"end_word":794,"sentiment":"neutral","sentiment_score":0.13758638393285588},{"text":"Cool. Yep. The insurances at the time, everything was looking really, really good, and we're basically just factoring in the premium impact to make sure that we can show you what that's doing to the super in the updated projections.","start_word":795,"end_word":834,"sentiment":"positive","sentiment_score":0.488793283700943},{"text":"Yep.","start_word":835,"end_word":835,"sentiment":"neutral","sentiment_score":0.29696398973464966},{"text":"Perfect.","start_word":836,"end_word":836,"sentiment":"positive","sentiment_score":0.4121160805225372},{"text":"Not giving any budgeting or cash flow advice because you're obviously looking towards purchasing a home, and that's obviously a bit of a long term goal. The economy is a little bit rough at the moment, so Yeah. something to work towards over time. Just saving at the moment. Yep.","start_word":837,"end_word":886,"sentiment":"neutral","sentiment_score":-0.011203154921531676},{"text":"Perfect.","start_word":887,"end_word":887,"sentiment":"positive","sentiment_score":0.44214722514152527},{"text":"We'll continue to have those conversations over the years about how you're going with it, any tips we can give, and just tracking it with you, but we're just gonna focus on the super for this document. Yep.","start_word":888,"end_word":925,"sentiment":"neutral","sentiment_score":0.3091919720172882},{"text":"Cool.","start_word":926,"end_word":926,"sentiment":"positive","sentiment_score":0.3700726330280304},{"text":"It does go through an about you section just about your occupation and income, phone number, email address, just making sure all that's still up to date. Assets and liabilities, we've got your car, we've got the savings, We've got the insurance policy. So nothing major change there. No random extra loans or anything like that. No. No. The car might be upgraded in March, but that's a long term plan at the moment. Perfect. And no million dollars worth of cryptocurrency lying under the pillow or anything like that, Benjamin? I wish. Wouldn't take Alright. up much space. It wouldn't take up my exactly. And then lose the USB stick.","start_word":927,"end_word":1037,"sentiment":"neutral","sentiment_score":0.03331095352768898},{"text":"That was always a fun story.","start_word":1038,"end_word":1043,"sentiment":"positive","sentiment_score":0.721470057964325},{"text":"Yeah. Exactly. 287,000 with a life insurance disability. We've got a little bit of income protection there. Almost $1,000 in premiums a year, so very, very low premiums. I'll keep an eye on that Clearview policy with you, and it drops under a grands after the rebate.","start_word":1044,"end_word":1090,"sentiment":"neutral","sentiment_score":0.1837843358516693},{"text":"Cool.","start_word":1091,"end_word":1091,"sentiment":"positive","sentiment_score":0.4385824799537658},{"text":"We've got the high growth in there, and there's a really big section on page 13, which is honestly, it's a bit of a wall of text explaining all the reasonings behind the switches that we're doing and everything. Basically, what it boils down to is when we switch investments inside the super, there is capital gains tax that can happen under the hood, and we have the ability to factor that in before we change anything as well. Okay. Cool. So what basically happens is when you go through to the actual table itself, it basically says, here's your current balance. We're estimating capital gains tax of the super of $6.93, but the updated portfolio actually drops the yearly fees by currently $400 a year, but they're percentage based. So as your balance grows, the savings actually expand quite exponentially. So at the moment, you go from $600 investment fee to 200, which is, you know, two thirds of it lumped off, which is great, and that ratio will stay there no matter how big your balance is. Performance, it looks it's always funny telling someone that we're we're looking to improve the performance by 2% per per annum. But going from that kind of nine and a half to 11 and a half with the high growth, that's a solid 50,000 or above just from the growth allocation the next ten years. So that compounds pretty nicely. And, again, you've got quite a while until retirement, so that'll compound over the decades. At some point, gonna have to reduce the risk level back down. You probably don't wanna be high growth at 64 and then lose half your super a year before you retire, if that makes sense. Sure. Yeah. Because what's what's retirement? 70 60 what is it? 66? So 60, you can access the super early. 67 Oh, okay. is the age pension. Yep. So Yeah. somewhere between there, are you kind of aiming for as early as possible, or what what type of I'm person are you? way too early to think about that. Yeah. No. At the moment, just maximize as much growth as possible. And as you get closer, life will tend to crystallize and paint the picture a bit better for Yep. us. Yeah. Beauty. But there's a big table there that just shows all the investments that we're switching out. Main thing to let you know is that the the main detractor from your performance was Benelong. That's being switched out for something called a 200, which is basically Yep. just much lower fees, much better performance, and it will track the stock market in Australia a lot closer than that option was doing. We also have a bit of a strange one, but there's a certain type of term deposit in Australia called bank hybrids, and they're being phased out by the government the next couple of years. So we just got ahead of the curve, and we're recommending that one gets replaced with another type of term deposit, keeps the the safe options there, but we're also halving that. So in order to get you to 90% growth assets, we're gonna take some of the money from those term deposits and basically put them into, you know, the American shares, the gold, all those types of assets. Yeah.","start_word":1092,"end_word":1650,"sentiment":"neutral","sentiment_score":0.06448990665042977},{"text":"Cool. It gives you a bit of a growth allocation, so you're gonna go from about 86% to 94.","start_word":1651,"end_word":1669,"sentiment":"positive","sentiment_score":0.46457502245903015},{"text":"The average that you're aiming for is 90 or basically anywhere between 90 and a 100 is the band that we need to keep you in. Yep.","start_word":1670,"end_word":1696,"sentiment":"neutral","sentiment_score":0.31396040320396423},{"text":"Awesome. Mate, that's pretty much it.","start_word":1697,"end_word":1702,"sentiment":"positive","sentiment_score":0.4724653661251068},{"text":"There's some reminders in there about why you should have a will and a power of attorney and update your beneficiaries, which I won't reiterate. Service fees at the back. So I do need to let you know that it's not gonna impact you right now, but the the service agreement that we have, like your consent through Hub twenty four for Oakview, that's expired. And then what we're doing is we've put in place in our new service guide a tiered fee structure. Now what that basically means is for anyone above 200,000, discounts will start to apply from that 1.65% down to 1.37. And then once you get above 500,000, it'll go down again to 1.1. We're just slowly adding some discounts for the higher balances as we get you up there. Yep. Cool. So that's pretty much it. You've got the the authority to proceed on the advice. If you sign that, we can go on and switch the investments. We've got the consent form for hubs so we can remain listed as advisers, and the rest of it is, again, service guide and product documents. Sure. Any questions for me at this point? No. No. Sounds all good. Cool. Do you want me to get the team to send out those beneficiary forms so you have them or kind of just come back to that next time we speak to you? Yeah. What would be your preference? Yeah. Yeah. Get them sent out. It might prompt me to get it done. Yep.","start_word":1703,"end_word":1958,"sentiment":"neutral","sentiment_score":0.06998296827077866},{"text":"Easy done.","start_word":1959,"end_word":1960,"sentiment":"positive","sentiment_score":0.3372933566570282},{"text":"Any questions on that, just give us a call. Couple of minutes, we can run you through it pretty quickly. And, again, it's just one of those things, you know, getting them witnessed by people that aren't your beneficiary, and you should be sweet. Yep.","start_word":1961,"end_word":2005,"sentiment":"neutral","sentiment_score":0.17275817692279816},{"text":"Awesome. Well, thank you so much for taking the time, Benjamin. If you can have a quick look at your details in that document before you sign it, just let me know if there's any major changes, and we should be good to go.","start_word":2006,"end_word":2049,"sentiment":"positive","sentiment_score":0.4584908187389374},{"text":"Yep.","start_word":2050,"end_word":2050,"sentiment":"neutral","sentiment_score":0.23129765689373016},{"text":"Cool. Thank you. Fantastic. I'll pop that through your email now and talk to you again soon. Alright. Thank you very much. Thanks, mate. Have a great day. Alright. You too.","start_word":2051,"end_word":2081,"sentiment":"positive","sentiment_score":0.5827703264451796},{"text":"Bye. Bye.","start_word":2082,"end_word":2083,"sentiment":"neutral","sentiment_score":0.2477412074804306}],"average":{"sentiment":"neutral","sentiment_score":0.1287407508263221}}}}