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Is now still a good time for you? Yep. Beautiful. Now just before I do go any further, just as per usual, just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay? Yep. Perfect. And just for security purposes, could I please get you to confirm your full name, date of birth, and address for me, please? Yep. Yep. Beautiful. And how your day been so far? I've been busy. That's nice. Oh, that's lovely. And now do you have access to your emails at the moment? Yeah. Okay. Beautiful. So what I have done is I have send you an email outlining the recommendation, and it just makes it a bit easier for you if you can access that at the same time if you're able to get that up for me. Yep. So let me know if you can see the cover page, process statement of advice, and there's a pretty photo of the Gold Coast in the background. Yep. Beautiful. Now every time we do make a recommendation, we have to put everything in a statement of advice just to make sure that you fully understand everything. So a lot of it is just for compliance. It's quite wordy. It's about 35 pages, but I will just go through the most important things with you. It is pretty straightforward today, but it is to allow you the opportunity to read over everything and make sure you fully understand everything before agreeing to anything. Okay? Yep. Beautiful. Now on the cover page, you'll also see my details listed. You will also see my authorized representative number, and I am a licensed representative number, and I am a licensed under OTU Financial. Now if you want to scroll to the second page, it talks a little bit about the best interest you do. Do you remember ever hearing about this before? Yep. Okay. Perfect. So, yeah, basically, we have to make sure we always act in your best interest other than the advice puts you in a better position. Now as you scroll through, you'll see table of content. You will then see scope of advice on page three. Basically, what this talks about is just the areas we are looking at today. So simply today, we are just looking at your super, specifically your investments within your superannuation to see if we needed to make any tweaks and changes to anything to make sure we always have you in the best position to achieve your goals. And I have also just included some information in regards to estate planning. It is something I always recommend everyone to consider. So I have included a bit of estate planning in the document for you to have a bit of a read over in your own time. But, otherwise, not making any changes or anything else. Literally, just just your and your investments. Yep. Now as you scroll through, you will see a a page about you. Just from the fact find, you will have your assets and liabilities listed. You will then have your current superannuation. And if you can stop on page nine where it talks about your risk profile. Yep. So, basically, this just shows you your your risk profile. So we are not making any changes whatsoever in regards to that risk profile. You are still in a high growth portfolio. It's still very much applicable to you. You have plenty of time until retirement to take advantage of those short term fluctuations in order to grow your super as much as possible. So we're not making any changes when it comes to your level of risk. Yep. Beautiful. Now if you wanna scroll down to page 11 for me, it then kind of highlights the recommendation. So let me know if you can see that. Yep. So with the recommendations, a part of the research as well is I did consider a lot of other alternative superannuation funds for you. It is always good to reassess every now and then just to make sure it's still the best option for you because there's always new products and features that comes out. So after doing research, I have recommended that you stay within Hub twenty four. It's still very competitive when it comes to their fees, their their features, and the available investment choices in comparison to a little bit of competitors. I do use Hub twenty four for my personal super as well. So I have recommended that we stay in Hub twenty four for you and literally just change a couple of your investments. Yep. Now, basically, everything you scroll through puts it all into words, so you'll have advantages, some risks, disadvantages, and alternatives considered. I often find if you want to scroll through page 14, it kind of summarizes everything in a in a table to make it nice and easy. Yeah. So this table here basically puts puts everything or from, like, a a mathematical point of view and the numbers into it, which I often find is a bit easier to look at. But what I have recommended, like I said, is staying in hub twenty four and changing your investments. Now what that actually looks like, you can see here. So it's not making any changes to contributions. It's not adding insurances or anything like that. It's literally just changing your investments. So by changing a couple of your investments around, it will save you about $488 per year in investment fees alone, which is pretty good. Now when it comes to the performance as well, so you can see here I have compared the five year rolling average. Now with investments, obviously, you can't guarantee performance. You can't guarantee what's going to happen in the world and the market, but that is why we use a five year rolling average. So, basically, using a five year period of time and averaging that out on a yearly basis to give us a little bit more certainty of what has happened to the portfolio and the market as well. So using the same time frame, you can see your current portfolio has performed at about 10.26% and recommended at about 11.71. So it is still making a difference of about 1.45%. Not a massive difference, but it still makes a pretty big difference when we are then compounding everything for you. Does that make sense? Yep. Perfect. Now underneath that, you can then see things projected forward for five and ten years. If we assume everything else stays the same for you and literally just changing a couple of investments around with the fee saving and the improved performance, it is making a difference of about 22,960, but those small little tweaks does make a pretty big difference when we are compounding things for you. Yep. Perfect. Now one thing I do wanna mention as well is that when it comes to making changes in a super environment through through investments, there will be capital gains tax associated with making changes sometimes. So similar to, like, if you were to sell an investment property, you have to pay capital gains tax on the earning when you sell it. The same is applicable for within superannuation. It's all taken care of within the superannuation environment, though. It's not something you have to pay for personally, and it's not something you ever have to declare on a tax return or anything like that. It is all within the super environment. Now if I were to sell all of your investments, the estimated capital gains tax would have been about 1,215. So, obviously, trying to minimize that as much as possible by still changing the investments that's going to put you in a better position. So if you look on the top table here where it says the balance, and you can see a difference of $240. Can you see that? Same page. Same page. 14. Just at the top of that table. Yeah. So the difference there so it's estimated to only be about $240, which is pretty good. So, obviously, things do change a little bit based on, obviously, market prices, so it can fluctuate a little bit. But it's estimated at that 240, which is obviously a lot less than 1,215. But, obviously, something I do want you to be aware of. Does that make sense? Yeah. K. Perfect. Now if you then scroll down to the next page, it says page 15. I have that included a little bit more in regards to the comparison between the two portfolios. So you can see a twelve month, three years, a years, and a ten year comparison. And you can see that across all time frames, the recommended portfolio has performed better than your current one, which is good. Yep. Perfect. Now what those changes actually looks like is on page 16. So you should have a bit of an investment table there. Yep. So this can look a little bit messy, but, essentially, what it shows is, obviously, the investment name, so what they're called. There's kind of special little code. You then have your current weight, so how much you have in each investment, what that looks like from a dollar value point of view, and then you have the buy and sell column. So on this column here, everything that's in red is what we are either selling or reducing exposure to. What's in black is then either what we are adding to the portfolio or adding exposure Does that make sense? Yep. Now you then have your target weight, so how much we wanna allocate to each option and then what that looks like on a dollar value. Now what it actually changes to your investment, it is making a couple of changes. So how we put together the portfolio, before? Yeah. So, obviously, basically, we invest majority of the funds in your core, which kind of represents the backbone of your portfolio. So your core investments here, you can see are, like, the largest shareholding. So you can see, for example, the iShares S and P five hundred. So you already have that in your portfolio. It is just increasing the exposure a little bit from twenty four fifty three to 35. Obviously, this one here, it is very diversified. It does invest in the 500 largest companies listed in The US. So very good diversified option for you. Another one of your core investments that we have changed is that you had Benelon Australian equity in your portfolio, and I have recommended that we change that for the second one to the bottom, which is your beta shares Australia 200. Now the Benelon Australian equity was the one I touched on during the annual review that was underperforming a little bit on that we wanted to do some research and look at potentially changing. So because we are removing an Australian investment, we obviously wanna make sure we still keep things very diversified for you and look at alternative Australian investments. Now the Betagis Australia two hundred works a little bit differently to the Benelung. So what it basically is have you heard of it before? Because I know you're kind of across yes. Oh, there you go. Well, I won't waste so much time talking about that then. But, yeah, obviously, 200 companies, this company grows, gets bigger, added to it, and something smaller falls off. So, obviously, that kind of ETF structure, your Bennelong Australian equity is a managed fund. So, obviously, the purpose behind that was to actively buy and sell different investments in order to outperform the market. So slightly different functions, but the BetterShares a 200 has performed a little bit better than the Bennelong. Obviously, a little bit smoother because it kind of just tracks that index for you as well, but still keeping things very diversified. Now you then have, obviously, your satellite investments. So these are the ones that's a little bit more specialized that can be a little bit more volatile, and they kind of target specific sectors, regions, or asset classes in order to kinda maximize growth. But because they can be a little bit more volatile, they only kind of represent a smaller portion of your portfolio as a result. So you can kind of see that they have a lot lower allocation through them. So in this instance, you can see, for example, the beta share cybersecurity, you already have that in your portfolio. It's just reducing it a little bit to 6% from 8.59%. We are swapping the satellite you had, the BetaShares India quality and health care and JPMorgan Global Research, and the RAFI Australia 200. And instead, we're introducing at the bottom there kind of different satellite investments. The purpose is to make sure we keep things very diversified, especially with today's kind of market while still giving you good kind of overall growth. So what we have introduced is 9% into Europe, the iShares Europe, 5% into Japan, and then 8% into Vanguard or World. This one here excludes The US. You already have pretty good exposure to The US in the iShares S and P 500. We also wanna make sure you don't have too much market. So this one here is a kind of a very good, broad investment across the globe, but like I said, that's excludes The US. You still have gold in your portfolio. It basically says almost exactly the same from 7.04% to 7%. And then when it comes to the defensive, we are changing the BetaShares Australia Bank hybrid. They are slowly spacing that one out. So we're just introducing another fixed interest, the iShares core composite bond at 5%. Any questions in regards through any of that, or it kind of makes sense? Yep. Perfect. Now good. Now, obviously, if you wanted to do some more research yourself and also for that kind of transparency, so in the appendix, which is the second attachment, I have included all the investment links through these investments as well. So if it is something that you do wanna go and have a bit of a read over, all that information is there for you as well. Now on the next page, so page 17, you can see a little section where it talks about the cash account. Can you see that? Yeah. So, basically, it shows that with hub twenty four, they do have a minimum of 1.25% that has to be in cash. And that's just to make sure you have enough liquid money available for any fees and stuff associated with the account. But we obviously want to keep it as close to that 1.25 as we possibly can. Now, obviously, it does shift a little bit because when you do get contributions added to the account, it then obviously gets rebalanced. So there might be some slight period of times where until it gets rebalanced, it can be a little bit more. But we're trying to keep it obviously at that minimum 1.25 because the cash is not gonna grow near as much as your other investments. Yep. Perfect. Now almost at the end for you, but on the next page, it then talks about your asset allocation, which is page 18. Yep. So it basically shows you your risk profile, which is around that ninety ten mark, 90 growth, 10 defensive. You can see your existing portfolio, which is about 87.8 in growth, 12.20 in defensive, and then the proposed, which is about $93.81 in growth, and then 6.19 in defensive. So the proposed portfolio is slightly more in growth. Not too much, but both very much aligning with that high growth portfolio for you. Yep. Perfect. Perfect. Now I have then also included some information in regards to your beneficiary. Now when we spoke last, I believe you mentioned that, obviously, for your superannuation, you wanted it to go to your partner if something were to happen to you. So I have included kind of the advantages some disadvantages to be mindful of and risks with a nomination. The good thing with nominating a spouse is that it's tax free if something were to happen, which is really good. It also kind of bypassed the estate because superannuation does not form part of the estate otherwise. So it does make things a little bit smoother. The type of nomination I have recommended, it is a binding, nonlapsing option. Binding essentially means that it states the trustee, sorry, in this case, it was a trustee of sup of hub twenty four, are bound to follow your wishes. So it provides you with a lot more certainty. The other option is nonbinding, which essentially just means that this is what you want to have happen. But at the end of the day, if the trustee has full discretion in determining if they feel that there's someone else better suitable to receive the money, if that makes sense. So finding makes a lot more certain. Now you have them lapsing and non lapsing. Non lapsing, I have recommended. It basically means that it stays in place until you decide to change it. So if your situate situation ever changed, just have to obviously be mindful, and we'll have to update it. Otherwise, it stays in place until you change it. The lapsing option means that it expires every three years, and you have to recomplete the forms every three years. Yep. Yep. Perfect. Now I have also just included some information in regards to setting up a will and power of attorney. It is something I always recommend everyone to consider. So I have this included just some information in regards to setting up a will and power of attorney at the bottom of this document as well. Perfect. Now the last thing is the when it comes to their remuneration, so like I said during the under review, no changes whatsoever in regards to that fee structure for you. You are on that reduced couple fee of 1.1 from super, but no changes whatsoever in regards to that fee structure. There's no additional fees and charges for any of the advice or research with this segment of advice either, but it's all part of that ongoing service for you. Perfect. Now do you have any questions for me or your thoughts on anything at this point? No? Yep. Yep. Okay. Beautiful. So, essentially, from here is, obviously, if you wanna take some time and have a read over the document, you are more than welcome to do so. If you do have a read over the document or you don't have any questions or you are happy to go ahead with the recommendation, to then move forward, it would just be to sign, the document. It will be same as how you signed the annual review document. It will just ask for digital signature and a date. Just that one in the document, and then it will automatically send it back to me, and that tells me that you are happy to go ahead with the recommendation. Yep. Beautiful. Now I do wanna let you know as well that the recommendation is only valid for a short period of time just to make sure, obviously, everything stays relevant for you. So it is valid for sixty days just so that you are aware, but that still gives you plenty of time to have a read over everything when you have a moment as well. Yeah. No worries. Well, I will let you go and get on with your afternoon. If there's anything else that you need at any point in time, don't hesitate to give me a call. Otherwise, I'll keep a lookout on my emails to see if that document comes through or what you decide that you would like to do. Okay. No worries. Well, thank you so much for your time today, and I look forward to speaking with you soon again. No worries. Just speak soon. 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afternoon. This is Veronica from Oakview Financial. How are you? I'm good. Thanks.\n\nI had you booked in to go over the research I did on your super investments after we spoke last time. Is now still a good time for you? Yep. Beautiful. Now just before I do go any further, just as per usual, just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay?\n\nYep. Perfect. And just for security purposes, could I please get you to confirm your full name, date of birth, and address for me, please? Yep. Yep.\n\nBeautiful. And how your day been so far? I've been busy. That's nice. Oh, that's lovely.\n\nAnd now do you have access to your emails at the moment? Yeah. Okay. Beautiful. So what I have done is I have send you an email outlining the recommendation, and it just makes it a bit easier for you if you can access that at the same time if you're able to get that up for me.\n\nYep. So let me know if you can see the cover page, process statement of advice, and there's a pretty photo of the Gold Coast in the background. Yep. Beautiful. Now every time we do make a recommendation, we have to put everything in a statement of advice just to make sure that you fully understand everything.\n\nSo a lot of it is just for compliance. It's quite wordy. It's about 35 pages, but I will just go through the most important things with you. It is pretty straightforward today, but it is to allow you the opportunity to read over everything and make sure you fully understand everything before agreeing to anything. Okay?\n\nYep. Beautiful. Now on the cover page, you'll also see my details listed. You will also see my authorized representative number, and I am a licensed representative number, and I am a licensed under OTU Financial. Now if you want to scroll to the second page, it talks a little bit about the best interest you do.\n\nDo you remember ever hearing about this before? Yep. Okay. Perfect. So, yeah, basically, we have to make sure we always act in your best interest other than the advice puts you in a better position.\n\nNow as you scroll through, you'll see table of content. You will then see scope of advice on page three. Basically, what this talks about is just the areas we are looking at today. So simply today, we are just looking at your super, specifically your investments within your superannuation to see if we needed to make any tweaks and changes to anything to make sure we always have you in the best position to achieve your goals. And I have also just included some information in regards to estate planning.\n\nIt is something I always recommend everyone to consider. So I have included a bit of estate planning in the document for you to have a bit of a read over in your own time. But, otherwise, not making any changes or anything else. Literally, just just your and your investments. Yep.\n\nNow as you scroll through, you will see a a page about you. Just from the fact find, you will have your assets and liabilities listed. You will then have your current superannuation. And if you can stop on page nine where it talks about your risk profile. Yep.\n\nSo, basically, this just shows you your your risk profile. So we are not making any changes whatsoever in regards to that risk profile. You are still in a high growth portfolio. It's still very much applicable to you. You have plenty of time until retirement to take advantage of those short term fluctuations in order to grow your super as much as possible.\n\nSo we're not making any changes when it comes to your level of risk. Yep. Beautiful. Now if you wanna scroll down to page 11 for me, it then kind of highlights the recommendation. So let me know if you can see that.\n\nYep. So with the recommendations, a part of the research as well is I did consider a lot of other alternative superannuation funds for you. It is always good to reassess every now and then just to make sure it's still the best option for you because there's always new products and features that comes out. So after doing research, I have recommended that you stay within Hub twenty four. It's still very competitive when it comes to their fees, their their features, and the available investment choices in comparison to a little bit of competitors.\n\nI do use Hub twenty four for my personal super as well. So I have recommended that we stay in Hub twenty four for you and literally just change a couple of your investments. Yep. Now, basically, everything you scroll through puts it all into words, so you'll have advantages, some risks, disadvantages, and alternatives considered. I often find if you want to scroll through page 14, it kind of summarizes everything in a in a table to make it nice and easy.\n\nYeah. So this table here basically puts puts everything or from, like, a a mathematical point of view and the numbers into it, which I often find is a bit easier to look at. But what I have recommended, like I said, is staying in hub twenty four and changing your investments. Now what that actually looks like, you can see here. So it's not making any changes to contributions.\n\nIt's not adding insurances or anything like that. It's literally just changing your investments. So by changing a couple of your investments around, it will save you about $488 per year in investment fees alone, which is pretty good. Now when it comes to the performance as well, so you can see here I have compared the five year rolling average. Now with investments, obviously, you can't guarantee performance.\n\nYou can't guarantee what's going to happen in the world and the market, but that is why we use a five year rolling average. So, basically, using a five year period of time and averaging that out on a yearly basis to give us a little bit more certainty of what has happened to the portfolio and the market as well. So using the same time frame, you can see your current portfolio has performed at about 10.26% and recommended at about 11.71. So it is still making a difference of about 1.45%. Not a massive difference, but it still makes a pretty big difference when we are then compounding everything for you.\n\nDoes that make sense? Yep. Perfect. Now underneath that, you can then see things projected forward for five and ten years. If we assume everything else stays the same for you and literally just changing a couple of investments around with the fee saving and the improved performance, it is making a difference of about 22,960, but those small little tweaks does make a pretty big difference when we are compounding things for you.\n\nYep. Perfect. Now one thing I do wanna mention as well is that when it comes to making changes in a super environment through through investments, there will be capital gains tax associated with making changes sometimes. So similar to, like, if you were to sell an investment property, you have to pay capital gains tax on the earning when you sell it. The same is applicable for within superannuation.\n\nIt's all taken care of within the superannuation environment, though. It's not something you have to pay for personally, and it's not something you ever have to declare on a tax return or anything like that. It is all within the super environment. Now if I were to sell all of your investments, the estimated capital gains tax would have been about 1,215. So, obviously, trying to minimize that as much as possible by still changing the investments that's going to put you in a better position.\n\nSo if you look on the top table here where it says the balance, and you can see a difference of $240. Can you see that? Same page. Same page. 14.\n\nJust at the top of that table. Yeah. So the difference there so it's estimated to only be about $240, which is pretty good. So, obviously, things do change a little bit based on, obviously, market prices, so it can fluctuate a little bit. But it's estimated at that 240, which is obviously a lot less than 1,215.\n\nBut, obviously, something I do want you to be aware of. Does that make sense? Yeah. K. Perfect.\n\nNow if you then scroll down to the next page, it says page 15. I have that included a little bit more in regards to the comparison between the two portfolios. So you can see a twelve month, three years, a years, and a ten year comparison. And you can see that across all time frames, the recommended portfolio has performed better than your current one, which is good. Yep.\n\nPerfect. Now what those changes actually looks like is on page 16. So you should have a bit of an investment table there. Yep. So this can look a little bit messy, but, essentially, what it shows is, obviously, the investment name, so what they're called.\n\nThere's kind of special little code. You then have your current weight, so how much you have in each investment, what that looks like from a dollar value point of view, and then you have the buy and sell column. So on this column here, everything that's in red is what we are either selling or reducing exposure to. What's in black is then either what we are adding to the portfolio or adding exposure Does that make sense? Yep.\n\nNow you then have your target weight, so how much we wanna allocate to each option and then what that looks like on a dollar value. Now what it actually changes to your investment, it is making a couple of changes. So how we put together the portfolio, before? Yeah. So, obviously, basically, we invest majority of the funds in your core, which kind of represents the backbone of your portfolio.\n\nSo your core investments here, you can see are, like, the largest shareholding. So you can see, for example, the iShares S and P five hundred. So you already have that in your portfolio. It is just increasing the exposure a little bit from twenty four fifty three to 35. Obviously, this one here, it is very diversified.\n\nIt does invest in the 500 largest companies listed in The US. So very good diversified option for you. Another one of your core investments that we have changed is that you had Benelon Australian equity in your portfolio, and I have recommended that we change that for the second one to the bottom, which is your beta shares Australia 200. Now the Benelon Australian equity was the one I touched on during the annual review that was underperforming a little bit on that we wanted to do some research and look at potentially changing. So because we are removing an Australian investment, we obviously wanna make sure we still keep things very diversified for you and look at alternative Australian investments.\n\nNow the Betagis Australia two hundred works a little bit differently to the Benelung. So what it basically is have you heard of it before? Because I know you're kind of across yes. Oh, there you go. Well, I won't waste so much time talking about that then.\n\nBut, yeah, obviously, 200 companies, this company grows, gets bigger, added to it, and something smaller falls off. So, obviously, that kind of ETF structure, your Bennelong Australian equity is a managed fund. So, obviously, the purpose behind that was to actively buy and sell different investments in order to outperform the market. So slightly different functions, but the BetterShares a 200 has performed a little bit better than the Bennelong. Obviously, a little bit smoother because it kind of just tracks that index for you as well, but still keeping things very diversified.\n\nNow you then have, obviously, your satellite investments. So these are the ones that's a little bit more specialized that can be a little bit more volatile, and they kind of target specific sectors, regions, or asset classes in order to kinda maximize growth. But because they can be a little bit more volatile, they only kind of represent a smaller portion of your portfolio as a result. So you can kind of see that they have a lot lower allocation through them. So in this instance, you can see, for example, the beta share cybersecurity, you already have that in your portfolio.\n\nIt's just reducing it a little bit to 6% from 8.59%. We are swapping the satellite you had, the BetaShares India quality and health care and JPMorgan Global Research, and the RAFI Australia 200. And instead, we're introducing at the bottom there kind of different satellite investments. The purpose is to make sure we keep things very diversified, especially with today's kind of market while still giving you good kind of overall growth. So what we have introduced is 9% into Europe, the iShares Europe, 5% into Japan, and then 8% into Vanguard or World.\n\nThis one here excludes The US. You already have pretty good exposure to The US in the iShares S and P 500. We also wanna make sure you don't have too much market. So this one here is a kind of a very good, broad investment across the globe, but like I said, that's excludes The US. You still have gold in your portfolio.\n\nIt basically says almost exactly the same from 7.04% to 7%. And then when it comes to the defensive, we are changing the BetaShares Australia Bank hybrid. They are slowly spacing that one out. So we're just introducing another fixed interest, the iShares core composite bond at 5%. Any questions in regards through any of that, or it kind of makes sense?\n\nYep. Perfect. Now good. Now, obviously, if you wanted to do some more research yourself and also for that kind of transparency, so in the appendix, which is the second attachment, I have included all the investment links through these investments as well. So if it is something that you do wanna go and have a bit of a read over, all that information is there for you as well.\n\nNow on the next page, so page 17, you can see a little section where it talks about the cash account. Can you see that? Yeah. So, basically, it shows that with hub twenty four, they do have a minimum of 1.25% that has to be in cash. And that's just to make sure you have enough liquid money available for any fees and stuff associated with the account.\n\nBut we obviously want to keep it as close to that 1.25 as we possibly can. Now, obviously, it does shift a little bit because when you do get contributions added to the account, it then obviously gets rebalanced. So there might be some slight period of times where until it gets rebalanced, it can be a little bit more. But we're trying to keep it obviously at that minimum 1.25 because the cash is not gonna grow near as much as your other investments. Yep.\n\nPerfect. Now almost at the end for you, but on the next page, it then talks about your asset allocation, which is page 18. Yep. So it basically shows you your risk profile, which is around that ninety ten mark, 90 growth, 10 defensive. You can see your existing portfolio, which is about 87.8 in growth, 12.20 in defensive, and then the proposed, which is about $93.81 in growth, and then 6.19 in defensive.\n\nSo the proposed portfolio is slightly more in growth. Not too much, but both very much aligning with that high growth portfolio for you. Yep. Perfect. Perfect.\n\nNow I have then also included some information in regards to your beneficiary. Now when we spoke last, I believe you mentioned that, obviously, for your superannuation, you wanted it to go to your partner if something were to happen to you. So I have included kind of the advantages some disadvantages to be mindful of and risks with a nomination. The good thing with nominating a spouse is that it's tax free if something were to happen, which is really good. It also kind of bypassed the estate because superannuation does not form part of the estate otherwise.\n\nSo it does make things a little bit smoother. The type of nomination I have recommended, it is a binding, nonlapsing option. Binding essentially means that it states the trustee, sorry, in this case, it was a trustee of sup of hub twenty four, are bound to follow your wishes. So it provides you with a lot more certainty. The other option is nonbinding, which essentially just means that this is what you want to have happen.\n\nBut at the end of the day, if the trustee has full discretion in determining if they feel that there's someone else better suitable to receive the money, if that makes sense. So finding makes a lot more certain. Now you have them lapsing and non lapsing. Non lapsing, I have recommended. It basically means that it stays in place until you decide to change it.\n\nSo if your situate situation ever changed, just have to obviously be mindful, and we'll have to update it. Otherwise, it stays in place until you change it. The lapsing option means that it expires every three years, and you have to recomplete the forms every three years. Yep. Yep.\n\nPerfect. Now I have also just included some information in regards to setting up a will and power of attorney. It is something I always recommend everyone to consider. So I have this included just some information in regards to setting up a will and power of attorney at the bottom of this document as well. Perfect.\n\nNow the last thing is the when it comes to their remuneration, so like I said during the under review, no changes whatsoever in regards to that fee structure for you. You are on that reduced couple fee of 1.1 from super, but no changes whatsoever in regards to that fee structure. There's no additional fees and charges for any of the advice or research with this segment of advice either, but it's all part of that ongoing service for you. Perfect. Now do you have any questions for me or your thoughts on anything at this point?\n\nNo? Yep. Yep. Okay. Beautiful.\n\nSo, essentially, from here is, obviously, if you wanna take some time and have a read over the document, you are more than welcome to do so. If you do have a read over the document or you don't have any questions or you are happy to go ahead with the recommendation, to then move forward, it would just be to sign, the document. It will be same as how you signed the annual review document. It will just ask for digital signature and a date. Just that one in the document, and then it will automatically send it back to me, and that tells me that you are happy to go ahead with the recommendation.\n\nYep. Beautiful. Now I do wanna let you know as well that the recommendation is only valid for a short period of time just to make sure, obviously, everything stays relevant for you. So it is valid for sixty days just so that you are aware, but that still gives you plenty of time to have a read over everything when you have a moment as well. Yeah.\n\nNo worries. Well, I will let you go and get on with your afternoon. If there's anything else that you need at any point in time, don't hesitate to give me a call. Otherwise, I'll keep a lookout on my emails to see if that document comes through or what you decide that you would like to do. Okay.\n\nNo worries. Well, thank you so much for your time today, and I look forward to speaking with you soon again. No worries. Just speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":3.52,"end":4.24,"sentiment":"neutral","sentiment_score":0.28470127284526825},{"text":"This is Veronica from Oakview Financial.","start":4.24,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.24901644388834634},{"text":"How are you?","start":6.3199997,"end":7.14,"sentiment":"neutral","sentiment_score":0.20049308240413666},{"text":"I'm good.","start":8.72,"end":9.5199995,"sentiment":"positive","sentiment_score":0.5201604962348938},{"text":"Thanks.","start":9.5199995,"end":10.0199995,"sentiment":"positive","sentiment_score":0.6189678311347961}],"sentiment":"neutral","sentiment_score":0.30887637713125776,"num_words":14,"start":3.52,"end":10.0199995},{"sentences":[{"text":"I had you booked in to go over the research I did on your super investments after we spoke last time.","start":10.719999,"end":16.125,"sentiment":"neutral","sentiment_score":0.2985259180977231},{"text":"Is now still a good time for you?","start":16.125,"end":17.745,"sentiment":"neutral","sentiment_score":0.29624419659376144},{"text":"Yep.","start":18.925,"end":19.425,"sentiment":"neutral","sentiment_score":0.16705837845802307},{"text":"Beautiful.","start":19.645,"end":20.145,"sentiment":"positive","sentiment_score":0.4691007137298584},{"text":"Now just before I do go any further, just as per usual, just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay?","start":20.925,"end":29.68,"sentiment":"neutral","sentiment_score":0.11477782600559294}],"sentiment":"neutral","sentiment_score":0.20552456154236717,"num_words":63,"start":10.719999,"end":29.68},{"sentences":[{"text":"Yep.","start":30.939999,"end":31.439999,"sentiment":"neutral","sentiment_score":0.18470874428749084},{"text":"Perfect.","start":31.66,"end":32.16,"sentiment":"neutral","sentiment_score":0.30271026492118835},{"text":"And just for security purposes, could I please get you to confirm your full name, date of birth, and address for me, please?","start":32.38,"end":38.8,"sentiment":"neutral","sentiment_score":0.08463416280953781},{"text":"Yep.","start":46.235,"end":46.735,"sentiment":"neutral","sentiment_score":0.02801944874227047},{"text":"Yep.","start":53.035,"end":53.535,"sentiment":"neutral","sentiment_score":0.07495690137147903}],"sentiment":"neutral","sentiment_score":0.09396226310895549,"num_words":27,"start":30.939999,"end":53.535},{"sentences":[{"text":"Beautiful.","start":53.595,"end":54.095,"sentiment":"neutral","sentiment_score":0.28809231519699097},{"text":"And how your day been so far?","start":54.155,"end":55.69,"sentiment":"neutral","sentiment_score":0.14020360367638723},{"text":"I've been busy.","start":55.69,"end":56.55,"sentiment":"neutral","sentiment_score":-0.16699992616971335},{"text":"That's nice.","start":59.25,"end":60.07,"sentiment":"neutral","sentiment_score":-0.20448091626167297},{"text":"Oh, that's lovely.","start":60.61,"end":61.589996,"sentiment":"neutral","sentiment_score":0.2735640307267507}],"sentiment":"neutral","sentiment_score":0.07376550137996674,"num_words":16,"start":53.595,"end":61.589996},{"sentences":[{"text":"And now do you have access to your emails at the moment?","start":63.17,"end":66.15,"sentiment":"neutral","sentiment_score":0.06799993415673573},{"text":"Yeah.","start":67.33,"end":67.65,"sentiment":"neutral","sentiment_score":0.0709105059504509},{"text":"Okay.","start":67.65,"end":67.97,"sentiment":"neutral","sentiment_score":0.150104820728302},{"text":"Beautiful.","start":67.97,"end":68.45,"sentiment":"neutral","sentiment_score":0.29001331329345703},{"text":"So what I have done is I have send you an email outlining the recommendation, and it just makes it a bit easier for you if you can access that at the same time if you're able to get that up for me.","start":68.45,"end":81.115,"sentiment":"neutral","sentiment_score":0.15777570468395255}],"sentiment":"neutral","sentiment_score":0.1398514336424655,"num_words":58,"start":63.17,"end":81.115},{"sentences":[{"text":"Yep.","start":82.455,"end":82.95,"sentiment":"neutral","sentiment_score":0.0696827620267868},{"text":"So let me know if you can see the cover page, process statement of advice, and there's a pretty photo of the Gold Coast in the background.","start":83.11,"end":90.25,"sentiment":"neutral","sentiment_score":0.076100652002626},{"text":"Yep.","start":91.829994,"end":92.229996,"sentiment":"neutral","sentiment_score":0.14439213275909424},{"text":"Beautiful.","start":92.229996,"end":92.729996,"sentiment":"positive","sentiment_score":0.3375377058982849},{"text":"Now every time we do make a recommendation, we have to put everything in a statement of advice just to make sure that you fully understand everything.","start":93.67,"end":102.645,"sentiment":"neutral","sentiment_score":0.1566654959762538}],"sentiment":"neutral","sentiment_score":0.1199350630897179,"num_words":57,"start":82.455,"end":102.645},{"sentences":[{"text":"So a lot of it is just for compliance.","start":103.024994,"end":104.865,"sentiment":"neutral","sentiment_score":0.11550187319517136},{"text":"It's quite wordy.","start":104.865,"end":105.665,"sentiment":"neutral","sentiment_score":0.04963652044534683},{"text":"It's about 35 pages, but I will just go through the most important things with you.","start":105.665,"end":109.985,"sentiment":"neutral","sentiment_score":0.12945614499039948},{"text":"It is pretty straightforward today, but it is to allow you the opportunity to read over everything and make sure you fully understand everything before agreeing to anything.","start":109.985,"end":119.64,"sentiment":"neutral","sentiment_score":0.16848548648080655},{"text":"Okay?","start":119.64,"end":120.14,"sentiment":"neutral","sentiment_score":0.031729139387607574}],"sentiment":"neutral","sentiment_score":0.1405096052770029,"num_words":57,"start":103.024994,"end":120.14},{"sentences":[{"text":"Yep.","start":121.479996,"end":121.88,"sentiment":"positive","sentiment_score":0.34723907709121704},{"text":"Beautiful.","start":121.88,"end":122.38,"sentiment":"positive","sentiment_score":0.7496576309204102},{"text":"Now on the cover page, you'll also see my details listed.","start":122.439995,"end":125.799995,"sentiment":"neutral","sentiment_score":0.1989845958623019},{"text":"You will also see my authorized representative number, and I am a licensed representative number, and I am a licensed under OTU Financial.","start":125.799995,"end":131.685,"sentiment":"neutral","sentiment_score":0.09146569005173186},{"text":"Now if you want to scroll to the second page, it talks a little bit about the best interest you do.","start":132.785,"end":137.74501,"sentiment":"neutral","sentiment_score":0.05212617488134475}],"sentiment":"neutral","sentiment_score":0.11375592642447405,"num_words":57,"start":121.479996,"end":137.74501},{"sentences":[{"text":"Do you remember ever hearing about this before?","start":137.74501,"end":140.005,"sentiment":"neutral","sentiment_score":0.005555893527343869},{"text":"Yep.","start":141.905,"end":142.225,"sentiment":"neutral","sentiment_score":0.09559661149978638},{"text":"Okay.","start":142.225,"end":142.53,"sentiment":"positive","sentiment_score":0.3762517869472504},{"text":"Perfect.","start":142.77,"end":143.17,"sentiment":"positive","sentiment_score":0.5786608457565308},{"text":"So, yeah, basically, we have to make sure we always act in your best interest other than the advice puts you in a better position.","start":143.17,"end":148.39,"sentiment":"neutral","sentiment_score":0.21724739342927932}],"sentiment":"neutral","sentiment_score":0.18128170078206393,"num_words":36,"start":137.74501,"end":148.39},{"sentences":[{"text":"Now as you scroll through, you'll see table of content.","start":149.09,"end":151.91,"sentiment":"neutral","sentiment_score":0.08502300083637238},{"text":"You will then see scope of advice on page three.","start":152.45,"end":156.63,"sentiment":"neutral","sentiment_score":0.06702096164226531},{"text":"Basically, what this talks about is just the areas we are looking at today.","start":157.41,"end":161.595,"sentiment":"neutral","sentiment_score":0.1208117673439639},{"text":"So simply today, we are just looking at your super, specifically your investments within your superannuation to see if we needed to make any tweaks and changes to anything to make sure we always have you in the best position to achieve your goals.","start":161.595,"end":174.84,"sentiment":"neutral","sentiment_score":0.27219360931353137},{"text":"And I have also just included some information in regards to estate planning.","start":174.84,"end":178.94,"sentiment":"neutral","sentiment_score":0.21782216658959022}],"sentiment":"neutral","sentiment_score":0.19802210267101014,"num_words":91,"start":149.09,"end":178.94},{"sentences":[{"text":"It is something I always recommend everyone to consider.","start":179.48001,"end":182.62001,"sentiment":"positive","sentiment_score":0.3654567003250122},{"text":"So I have included a bit of estate planning in the document for you to have a bit of a read over in your own time.","start":182.68001,"end":188.38,"sentiment":"neutral","sentiment_score":0.23712577728124765},{"text":"But, otherwise, not making any changes or anything else.","start":188.975,"end":191.855,"sentiment":"neutral","sentiment_score":-0.011723712914519839},{"text":"Literally, just just your and your investments.","start":191.855,"end":194.275,"sentiment":"neutral","sentiment_score":0.10168372094631195},{"text":"Yep.","start":195.935,"end":196.435,"sentiment":"neutral","sentiment_score":0.058918535709381104}],"sentiment":"neutral","sentiment_score":0.19460714766039297,"num_words":52,"start":179.48001,"end":196.435},{"sentences":[{"text":"Now as you scroll through, you will see a a page about you.","start":196.735,"end":201.155,"sentiment":"neutral","sentiment_score":0.06134214768042931},{"text":"Just from the fact find, you will have your assets and liabilities listed.","start":201.375,"end":206.58,"sentiment":"neutral","sentiment_score":0.07773567592868438},{"text":"You will then have your current superannuation.","start":207.92,"end":210.01999,"sentiment":"neutral","sentiment_score":0.0815305347953524},{"text":"And if you can stop on page nine where it talks about your risk profile.","start":213.28,"end":218.09999,"sentiment":"neutral","sentiment_score":0.02919294188419978},{"text":"Yep.","start":220.595,"end":220.835,"sentiment":"neutral","sentiment_score":0.06727516651153564}],"sentiment":"neutral","sentiment_score":0.058854994801234226,"num_words":49,"start":196.735,"end":220.835},{"sentences":[{"text":"So, basically, this just shows you your your risk profile.","start":220.835,"end":223.71501,"sentiment":"neutral","sentiment_score":0.07561920955777168},{"text":"So we are not making any changes whatsoever in regards to that risk profile.","start":223.71501,"end":227.57501,"sentiment":"neutral","sentiment_score":-0.042171543197972436},{"text":"You are still in a high growth portfolio.","start":228.435,"end":230.435,"sentiment":"neutral","sentiment_score":0.19592371210455894},{"text":"It's still very much applicable to you.","start":230.435,"end":233.39,"sentiment":"neutral","sentiment_score":0.3102502482278006},{"text":"You have plenty of time until retirement to take advantage of those short term fluctuations in order to grow your super as much as possible.","start":233.39,"end":240.37,"sentiment":"neutral","sentiment_score":0.253229179084301}],"sentiment":"neutral","sentiment_score":0.159932209411636,"num_words":64,"start":220.835,"end":240.37},{"sentences":[{"text":"So we're not making any changes when it comes to your level of risk.","start":241.15,"end":244.61,"sentiment":"negative","sentiment_score":-0.43370318838528227},{"text":"Yep.","start":246.51,"end":246.98999,"sentiment":"neutral","sentiment_score":0.3290719985961914},{"text":"Beautiful.","start":246.98999,"end":247.48999,"sentiment":"positive","sentiment_score":0.6638047695159912},{"text":"Now if you wanna scroll down to page 11 for me, it then kind of highlights the recommendation.","start":248.16501,"end":254.265,"sentiment":"positive","sentiment_score":0.33566252804464763},{"text":"So let me know if you can see that.","start":255.045,"end":256.745,"sentiment":"neutral","sentiment_score":0.20281911889712015}],"sentiment":"neutral","sentiment_score":0.06484487687432489,"num_words":43,"start":241.15,"end":256.745},{"sentences":[{"text":"Yep.","start":258.165,"end":258.565,"sentiment":"neutral","sentiment_score":0.17439740896224976},{"text":"So with the recommendations, a part of the research as well is I did consider a lot of other alternative superannuation funds for you.","start":258.565,"end":266.44,"sentiment":"neutral","sentiment_score":0.2581401088585456},{"text":"It is always good to reassess every now and then just to make sure it's still the best option for you because there's always new products and features that comes out.","start":266.58002,"end":275.32,"sentiment":"neutral","sentiment_score":0.3192967157210073},{"text":"So after doing research, I have recommended that you stay within Hub twenty four.","start":276.5,"end":280.455,"sentiment":"positive","sentiment_score":0.36776889860630035},{"text":"It's still very competitive when it comes to their fees, their their features, and the available investment choices in comparison to a little bit of competitors.","start":280.455,"end":289.275,"sentiment":"positive","sentiment_score":0.451415479183197}],"sentiment":"positive","sentiment_score":0.3453492213351031,"num_words":96,"start":258.165,"end":289.275},{"sentences":[{"text":"I do use Hub twenty four for my personal super as well.","start":290.375,"end":293.995,"sentiment":"positive","sentiment_score":0.391874464849631},{"text":"So I have recommended that we stay in Hub twenty four for you and literally just change a couple of your investments.","start":294.16,"end":299.54,"sentiment":"positive","sentiment_score":0.36370373449542304},{"text":"Yep.","start":301.44,"end":301.94,"sentiment":"neutral","sentiment_score":0.13104437291622162},{"text":"Now, basically, everything you scroll through puts it all into words, so you'll have advantages, some risks, disadvantages, and alternatives considered.","start":302.24,"end":310.44498,"sentiment":"neutral","sentiment_score":0.1719601752147788},{"text":"I often find if you want to scroll through page 14, it kind of summarizes everything in a in a table to make it nice and easy.","start":311.145,"end":319.32498,"sentiment":"neutral","sentiment_score":0.2583118125244423}],"sentiment":"neutral","sentiment_score":0.28217593647808914,"num_words":83,"start":290.375,"end":319.32498},{"sentences":[{"text":"Yeah.","start":321.705,"end":322.185,"sentiment":"neutral","sentiment_score":0.15900516510009766},{"text":"So this table here basically puts puts everything or from, like, a a mathematical point of view and the numbers into it, which I often find is a bit easier to look at.","start":322.185,"end":332.34,"sentiment":"neutral","sentiment_score":0.2041051026546594},{"text":"But what I have recommended, like I said, is staying in hub twenty four and changing your investments.","start":332.47998,"end":336.9,"sentiment":"neutral","sentiment_score":0.23222634527418348},{"text":"Now what that actually looks like, you can see here.","start":337.105,"end":340.245,"sentiment":"neutral","sentiment_score":0.19491572678089142},{"text":"So it's not making any changes to contributions.","start":340.465,"end":342.725,"sentiment":"neutral","sentiment_score":0.06581073813140392}],"sentiment":"neutral","sentiment_score":0.19357415629284722,"num_words":70,"start":321.705,"end":342.725},{"sentences":[{"text":"It's not adding insurances or anything like that.","start":342.86502,"end":345.105,"sentiment":"neutral","sentiment_score":0.0550356307066977},{"text":"It's literally just changing your investments.","start":345.105,"end":347.125,"sentiment":"neutral","sentiment_score":0.2675354406237602},{"text":"So by changing a couple of your investments around, it will save you about $488 per year in investment fees alone, which is pretty good.","start":347.98502,"end":359.57,"sentiment":"positive","sentiment_score":0.5136828458309174},{"text":"Now when it comes to the performance as well, so you can see here I have compared the five year rolling average.","start":362.03,"end":369.38498,"sentiment":"neutral","sentiment_score":0.14995332637971098},{"text":"Now with investments, obviously, you can't guarantee performance.","start":369.925,"end":373.065,"sentiment":"neutral","sentiment_score":-0.046386475674808025}],"sentiment":"neutral","sentiment_score":0.25819493058151094,"num_words":69,"start":342.86502,"end":373.065},{"sentences":[{"text":"You can't guarantee what's going to happen in the world and the market, but that is why we use a five year rolling average.","start":373.125,"end":380.10498,"sentiment":"neutral","sentiment_score":-0.013753650554766258},{"text":"So, basically, using a five year period of time and averaging that out on a yearly basis to give us a little bit more certainty of what has happened to the portfolio and the market as well.","start":380.3,"end":391.68,"sentiment":"neutral","sentiment_score":0.1312489596170348},{"text":"So using the same time frame, you can see your current portfolio has performed at about 10.26% and recommended at about 11.71.","start":392.22,"end":403.905,"sentiment":"neutral","sentiment_score":0.2581214193593372},{"text":"So it is still making a difference of about 1.45%.","start":404.365,"end":408.705,"sentiment":"neutral","sentiment_score":0.17013801708817483},{"text":"Not a massive difference, but it still makes a pretty big difference when we are then compounding everything for you.","start":408.925,"end":415.09003,"sentiment":"neutral","sentiment_score":0.11623315215110779}],"sentiment":"neutral","sentiment_score":0.1259366224099577,"num_words":113,"start":373.125,"end":415.09003},{"sentences":[{"text":"Does that make sense?","start":416.19,"end":417.33002,"sentiment":"neutral","sentiment_score":0.1238437183201313},{"text":"Yep.","start":418.67,"end":419.15002,"sentiment":"neutral","sentiment_score":0.1665395945310593},{"text":"Perfect.","start":419.15002,"end":419.65002,"sentiment":"positive","sentiment_score":0.5794237852096558},{"text":"Now underneath that, you can then see things projected forward for five and ten years.","start":420.19,"end":426.35498,"sentiment":"neutral","sentiment_score":0.292017987370491},{"text":"If we assume everything else stays the same for you and literally just changing a couple of investments around with the fee saving and the improved performance, it is making a difference of about 22,960, but those small little tweaks does make a pretty big difference when we are compounding things for you.","start":427.055,"end":445.97998,"sentiment":"positive","sentiment_score":0.3727768282845335}],"sentiment":"positive","sentiment_score":0.3429564859818768,"num_words":74,"start":416.19,"end":445.97998},{"sentences":[{"text":"Yep.","start":449.0,"end":449.5,"sentiment":"neutral","sentiment_score":0.13121211528778076},{"text":"Perfect.","start":449.63998,"end":450.13998,"sentiment":"positive","sentiment_score":0.4441693127155304},{"text":"Now one thing I do wanna mention as well is that when it comes to making changes in a super environment through through investments, there will be capital gains tax associated with making changes sometimes.","start":450.19998,"end":465.665,"sentiment":"neutral","sentiment_score":0.026516855295215334},{"text":"So similar to, like, if you were to sell an investment property, you have to pay capital gains tax on the earning when you sell it.","start":466.58002,"end":473.48,"sentiment":"neutral","sentiment_score":0.014627037283319693},{"text":"The same is applicable for within superannuation.","start":473.78,"end":476.76,"sentiment":"neutral","sentiment_score":0.12485509046486445}],"sentiment":"neutral","sentiment_score":0.03939657094223159,"num_words":70,"start":449.0,"end":476.76},{"sentences":[{"text":"It's all taken care of within the superannuation environment, though.","start":477.14,"end":481.32,"sentiment":"neutral","sentiment_score":0.2470425397157669},{"text":"It's not something you have to pay for personally, and it's not something you ever have to declare on a tax return or anything like that.","start":481.60498,"end":488.805,"sentiment":"neutral","sentiment_score":0.06664378769122638},{"text":"It is all within the super environment.","start":488.805,"end":491.065,"sentiment":"neutral","sentiment_score":0.228449781026159},{"text":"Now if I were to sell all of your investments, the estimated capital gains tax would have been about 1,215.","start":491.76498,"end":500.30002,"sentiment":"neutral","sentiment_score":-0.06615887405350804},{"text":"So, obviously, trying to minimize that as much as possible by still changing the investments that's going to put you in a better position.","start":501.0,"end":508.215,"sentiment":"neutral","sentiment_score":0.1736578568428134}],"sentiment":"neutral","sentiment_score":0.09938992445367849,"num_words":87,"start":477.14,"end":508.215},{"sentences":[{"text":"So if you look on the top table here where it says the balance, and you can see a difference of $240.","start":509.01498,"end":516.135,"sentiment":"neutral","sentiment_score":0.02317958769642494},{"text":"Can you see that?","start":516.135,"end":517.115,"sentiment":"neutral","sentiment_score":0.0009648769628256559},{"text":"Same page.","start":519.495,"end":520.21497,"sentiment":"neutral","sentiment_score":0.010611029341816902},{"text":"Same page.","start":520.21497,"end":520.775,"sentiment":"neutral","sentiment_score":0.011310662608593702},{"text":"14.","start":520.775,"end":521.275,"sentiment":"neutral","sentiment_score":0.02785399556159973}],"sentiment":"neutral","sentiment_score":0.018887348923712008,"num_words":31,"start":509.01498,"end":521.275},{"sentences":[{"text":"Just at the top of that table.","start":521.415,"end":522.95996,"sentiment":"neutral","sentiment_score":0.06590683811477252},{"text":"Yeah.","start":522.95996,"end":523.12,"sentiment":"neutral","sentiment_score":0.18398651480674744},{"text":"So the difference there so it's estimated to only be about $240, which is pretty good.","start":523.12,"end":529.38,"sentiment":"positive","sentiment_score":0.4224618189036846},{"text":"So, obviously, things do change a little bit based on, obviously, market prices, so it can fluctuate a little bit.","start":531.12,"end":537.525,"sentiment":"neutral","sentiment_score":-0.02142253629863262},{"text":"But it's estimated at that 240, which is obviously a lot less than 1,215.","start":537.685,"end":543.22504,"sentiment":"neutral","sentiment_score":-0.044245018590507765}],"sentiment":"neutral","sentiment_score":0.10960073272119565,"num_words":58,"start":521.415,"end":543.22504},{"sentences":[{"text":"But, obviously, something I do want you to be aware of.","start":543.445,"end":546.585,"sentiment":"neutral","sentiment_score":-0.07069536772641269},{"text":"Does that make sense?","start":548.325,"end":549.465,"sentiment":"neutral","sentiment_score":0.04996122978627682},{"text":"Yeah.","start":550.645,"end":551.04504,"sentiment":"neutral","sentiment_score":0.10339571535587312},{"text":"K.","start":551.04504,"end":551.28503,"sentiment":"neutral","sentiment_score":0.1632690727710724},{"text":"Perfect.","start":551.28503,"end":551.78503,"sentiment":"positive","sentiment_score":0.4236916303634643}],"sentiment":"neutral","sentiment_score":0.006252905146943195,"num_words":18,"start":543.445,"end":551.78503},{"sentences":[{"text":"Now if you then scroll down to the next page, it says page 15.","start":552.325,"end":556.76,"sentiment":"neutral","sentiment_score":0.22538469465715544},{"text":"I have that included a little bit more in regards to the comparison between the two portfolios.","start":557.3,"end":562.12,"sentiment":"neutral","sentiment_score":0.21302400222596},{"text":"So you can see a twelve month, three years, a years, and a ten year comparison.","start":562.5,"end":567.895,"sentiment":"positive","sentiment_score":0.33610651828348637},{"text":"And you can see that across all time frames, the recommended portfolio has performed better than your current one, which is good.","start":568.515,"end":574.855,"sentiment":"positive","sentiment_score":0.46164762296459894},{"text":"Yep.","start":576.995,"end":577.495,"sentiment":"neutral","sentiment_score":0.20180653035640717}],"sentiment":"neutral","sentiment_score":0.32160788987364086,"num_words":70,"start":552.325,"end":577.495},{"sentences":[{"text":"Perfect.","start":577.555,"end":578.055,"sentiment":"positive","sentiment_score":0.3840142488479614},{"text":"Now what those changes actually looks like is on page 16.","start":578.435,"end":583.79,"sentiment":"neutral","sentiment_score":0.1374814510345459},{"text":"So you should have a bit of an investment table there.","start":584.57,"end":587.79,"sentiment":"neutral","sentiment_score":0.0783649818463759},{"text":"Yep.","start":589.93,"end":590.43,"sentiment":"neutral","sentiment_score":0.04592284560203552},{"text":"So this can look a little bit messy, but, essentially, what it shows is, obviously, the investment name, so what they're called.","start":590.64996,"end":596.82996,"sentiment":"neutral","sentiment_score":0.023583645085719498}],"sentiment":"neutral","sentiment_score":0.07224104452230361,"num_words":46,"start":577.555,"end":596.82996},{"sentences":[{"text":"There's kind of special little code.","start":597.02496,"end":598.945,"sentiment":"neutral","sentiment_score":0.03126215593268474},{"text":"You then have your current weight, so how much you have in each investment, what that looks like from a dollar value point of view, and then you have the buy and sell column.","start":598.945,"end":609.765,"sentiment":"neutral","sentiment_score":0.05698509623899179},{"text":"So on this column here, everything that's in red is what we are either selling or reducing exposure to.","start":610.14996,"end":617.69,"sentiment":"neutral","sentiment_score":0.0298691499782236},{"text":"What's in black is then either what we are adding to the portfolio or adding exposure Does that make sense?","start":618.55,"end":625.895,"sentiment":"neutral","sentiment_score":0.015028962446376682},{"text":"Yep.","start":628.59503,"end":628.995,"sentiment":"neutral","sentiment_score":0.09713266789913176}],"sentiment":"neutral","sentiment_score":0.03862864967668429,"num_words":80,"start":597.02496,"end":628.995},{"sentences":[{"text":"Now you then have your target weight, so how much we wanna allocate to each option and then what that looks like on a dollar value.","start":628.995,"end":636.455,"sentiment":"neutral","sentiment_score":0.12385852004473026},{"text":"Now what it actually changes to your investment, it is making a couple of changes.","start":637.075,"end":638.20447,"sentiment":"neutral","sentiment_score":0.063216682523489},{"text":"So how we put together the portfolio, before?","start":638.20447,"end":655.245,"sentiment":"neutral","sentiment_score":0.020481207291595638},{"text":"Yeah.","start":655.625,"end":656.125,"sentiment":"neutral","sentiment_score":0.09224279969930647},{"text":"So, obviously, basically, we invest majority of the funds in your core, which kind of represents the backbone of your portfolio.","start":656.825,"end":665.085,"sentiment":"neutral","sentiment_score":0.1580155154778844}],"sentiment":"neutral","sentiment_score":0.10905619777581642,"num_words":71,"start":628.995,"end":665.085},{"sentences":[{"text":"So your core investments here, you can see are, like, the largest shareholding.","start":666.26,"end":671.48004,"sentiment":"neutral","sentiment_score":0.19985715930278486},{"text":"So you can see, for example, the iShares S and P five hundred.","start":672.26,"end":676.12,"sentiment":"neutral","sentiment_score":0.14580603001209405},{"text":"So you already have that in your portfolio.","start":676.42,"end":678.52,"sentiment":"neutral","sentiment_score":0.2685762643814087},{"text":"It is just increasing the exposure a little bit from twenty four fifty three to 35.","start":679.025,"end":684.805,"sentiment":"neutral","sentiment_score":0.173010659404099},{"text":"Obviously, this one here, it is very diversified.","start":685.425,"end":687.525,"sentiment":"positive","sentiment_score":0.4711577109992504}],"sentiment":"neutral","sentiment_score":0.22723558301041866,"num_words":58,"start":666.26,"end":687.525},{"sentences":[{"text":"It does invest in the 500 largest companies listed in The US.","start":687.665,"end":691.34503,"sentiment":"positive","sentiment_score":0.3586801898976167},{"text":"So very good diversified option for you.","start":691.34503,"end":694.405,"sentiment":"positive","sentiment_score":0.7443042397499084},{"text":"Another one of your core investments that we have changed is that you had Benelon Australian equity in your portfolio, and I have recommended that we change that for the second one to the bottom, which is your beta shares Australia 200.","start":695.24,"end":710.18506,"sentiment":"neutral","sentiment_score":0.14169790569160665},{"text":"Now the Benelon Australian equity was the one I touched on during the annual review that was underperforming a little bit on that we wanted to do some research and look at potentially changing.","start":710.965,"end":720.42505,"sentiment":"neutral","sentiment_score":-0.10652550989214112},{"text":"So because we are removing an Australian investment, we obviously wanna make sure we still keep things very diversified for you and look at alternative Australian investments.","start":721.125,"end":731.0,"sentiment":"neutral","sentiment_score":0.011072668488378878}],"sentiment":"neutral","sentiment_score":0.0995303172862432,"num_words":122,"start":687.665,"end":731.0},{"sentences":[{"text":"Now the Betagis Australia two hundred works a little bit differently to the Benelung.","start":732.5,"end":736.6,"sentiment":"neutral","sentiment_score":0.0037879295913236482},{"text":"So what it basically is have you heard of it before?","start":736.82,"end":739.215,"sentiment":"neutral","sentiment_score":0.002776880663904277},{"text":"Because I know you're kind of across yes.","start":739.935,"end":742.195,"sentiment":"neutral","sentiment_score":0.01009917282499373},{"text":"Oh, there you go.","start":743.85504,"end":744.91504,"sentiment":"neutral","sentiment_score":0.047235509380698204},{"text":"Well, I won't waste so much time talking about that then.","start":745.05505,"end":747.79504,"sentiment":"neutral","sentiment_score":0.014749136160720478}],"sentiment":"neutral","sentiment_score":0.010740679572336376,"num_words":48,"start":732.5,"end":747.79504},{"sentences":[{"text":"But, yeah, obviously, 200 companies, this company grows, gets bigger, added to it, and something smaller falls off.","start":748.255,"end":754.275,"sentiment":"neutral","sentiment_score":-0.044942757942610316},{"text":"So, obviously, that kind of ETF structure, your Bennelong Australian equity is a managed fund.","start":754.72003,"end":760.5,"sentiment":"neutral","sentiment_score":0.07686684156457584},{"text":"So, obviously, the purpose behind that was to actively buy and sell different investments in order to outperform the market.","start":760.64,"end":766.16003,"sentiment":"neutral","sentiment_score":0.1365796361118555},{"text":"So slightly different functions, but the BetterShares a 200 has performed a little bit better than the Bennelong.","start":766.16003,"end":772.71497,"sentiment":"neutral","sentiment_score":0.16270954301580787},{"text":"Obviously, a little bit smoother because it kind of just tracks that index for you as well, but still keeping things very diversified.","start":773.095,"end":779.115,"sentiment":"positive","sentiment_score":0.3592188170422678}],"sentiment":"neutral","sentiment_score":0.15177053477654748,"num_words":94,"start":748.255,"end":779.115},{"sentences":[{"text":"Now you then have, obviously, your satellite investments.","start":781.7,"end":784.92004,"sentiment":"neutral","sentiment_score":0.02326699811965227},{"text":"So these are the ones that's a little bit more specialized that can be a little bit more volatile, and they kind of target specific sectors, regions, or asset classes in order to kinda maximize growth.","start":785.06,"end":797.79504,"sentiment":"neutral","sentiment_score":0.06369910823802154},{"text":"But because they can be a little bit more volatile, they only kind of represent a smaller portion of your portfolio as a result.","start":798.015,"end":804.515,"sentiment":"neutral","sentiment_score":-0.01799795062591632},{"text":"So you can kind of see that they have a lot lower allocation through them.","start":804.815,"end":808.97,"sentiment":"neutral","sentiment_score":-0.031833019604285556},{"text":"So in this instance, you can see, for example, the beta share cybersecurity, you already have that in your portfolio.","start":809.91,"end":817.05,"sentiment":"neutral","sentiment_score":0.22471558526158333}],"sentiment":"neutral","sentiment_score":0.05887543182205228,"num_words":103,"start":781.7,"end":817.05},{"sentences":[{"text":"It's just reducing it a little bit to 6% from 8.59%.","start":817.11,"end":822.33,"sentiment":"neutral","sentiment_score":0.22545220906084235},{"text":"We are swapping the satellite you had, the BetaShares India quality and health care and JPMorgan Global Research, and the RAFI Australia 200.","start":823.065,"end":836.12994,"sentiment":"neutral","sentiment_score":0.23230352090752643},{"text":"And instead, we're introducing at the bottom there kind of different satellite investments.","start":836.26996,"end":841.64996,"sentiment":"neutral","sentiment_score":0.19908601962603056},{"text":"The purpose is to make sure we keep things very diversified, especially with today's kind of market while still giving you good kind of overall growth.","start":842.26996,"end":850.875,"sentiment":"positive","sentiment_score":0.4936304401892882},{"text":"So what we have introduced is 9% into Europe, the iShares Europe, 5% into Japan, and then 8% into Vanguard or World.","start":850.875,"end":863.57,"sentiment":"neutral","sentiment_score":0.1669596531851725}],"sentiment":"neutral","sentiment_score":0.2833534457965901,"num_words":95,"start":817.11,"end":863.57},{"sentences":[{"text":"This one here excludes The US.","start":863.57,"end":866.11005,"sentiment":"neutral","sentiment_score":-0.008319133892655373},{"text":"You already have pretty good exposure to The US in the iShares S and P 500.","start":866.57,"end":871.15,"sentiment":"neutral","sentiment_score":0.09271442284807563},{"text":"We also wanna make sure you don't have too much market.","start":871.45,"end":874.201,"sentiment":"neutral","sentiment_score":0.02099356868050315},{"text":"So this one here is a kind of a very good, broad investment across the globe, but like I said, that's excludes The US.","start":874.201,"end":881.885,"sentiment":"neutral","sentiment_score":0.19589249814938134},{"text":"You still have gold in your portfolio.","start":884.425,"end":886.265,"sentiment":"positive","sentiment_score":0.41699348602976116}],"sentiment":"neutral","sentiment_score":0.14507530586706707,"num_words":64,"start":863.57,"end":886.265},{"sentences":[{"text":"It basically says almost exactly the same from 7.04% to 7%.","start":886.265,"end":891.69,"sentiment":"positive","sentiment_score":0.34629906849427655},{"text":"And then when it comes to the defensive, we are changing the BetaShares Australia Bank hybrid.","start":892.31,"end":898.56995,"sentiment":"neutral","sentiment_score":0.16886600712314248},{"text":"They are slowly spacing that one out.","start":898.94995,"end":903.195,"sentiment":"neutral","sentiment_score":0.18895738571882248},{"text":"So we're just introducing another fixed interest, the iShares core composite bond at 5%.","start":903.275,"end":908.735,"sentiment":"neutral","sentiment_score":0.24281273462942668},{"text":"Any questions in regards through any of that, or it kind of makes sense?","start":911.03503,"end":914.815,"sentiment":"neutral","sentiment_score":0.019851486863834516}],"sentiment":"neutral","sentiment_score":0.18566365594104414,"num_words":62,"start":886.265,"end":914.815},{"sentences":[{"text":"Yep.","start":917.03503,"end":917.515,"sentiment":"neutral","sentiment_score":0.20737692713737488},{"text":"Perfect.","start":917.515,"end":918.015,"sentiment":"positive","sentiment_score":0.4927445352077484},{"text":"Now good.","start":919.11005,"end":919.83,"sentiment":"positive","sentiment_score":0.5857514142990112},{"text":"Now, obviously, if you wanted to do some more research yourself and also for that kind of transparency, so in the appendix, which is the second attachment, I have included all the investment links through these investments as well.","start":919.83,"end":932.55505,"sentiment":"neutral","sentiment_score":0.22277326767261213},{"text":"So if it is something that you do wanna go and have a bit of a read over, all that information is there for you as well.","start":932.55505,"end":938.73505,"sentiment":"neutral","sentiment_score":0.22709327991361972}],"sentiment":"neutral","sentiment_score":0.23844714696918215,"num_words":70,"start":917.03503,"end":938.73505},{"sentences":[{"text":"Now on the next page, so page 17, you can see a little section where it talks about the cash account.","start":940.715,"end":946.395,"sentiment":"neutral","sentiment_score":0.055352204612323215},{"text":"Can you see that?","start":946.395,"end":947.19,"sentiment":"neutral","sentiment_score":0.036506458185613155},{"text":"Yeah.","start":950.07,"end":950.55,"sentiment":"neutral","sentiment_score":0.06886176764965057},{"text":"So, basically, it shows that with hub twenty four, they do have a minimum of 1.25% that has to be in cash.","start":950.55,"end":956.89,"sentiment":"neutral","sentiment_score":0.0746555087918585},{"text":"And that's just to make sure you have enough liquid money available for any fees and stuff associated with the account.","start":956.95,"end":963.005,"sentiment":"neutral","sentiment_score":0.11600235885097868}],"sentiment":"neutral","sentiment_score":0.07906890763104826,"num_words":69,"start":940.715,"end":963.005},{"sentences":[{"text":"But we obviously want to keep it as close to that 1.25 as we possibly can.","start":963.465,"end":968.525,"sentiment":"neutral","sentiment_score":0.12870840076357126},{"text":"Now, obviously, it does shift a little bit because when you do get contributions added to the account, it then obviously gets rebalanced.","start":968.66504,"end":974.205,"sentiment":"neutral","sentiment_score":0.018244270640222923},{"text":"So there might be some slight period of times where until it gets rebalanced, it can be a little bit more.","start":974.66504,"end":980.12,"sentiment":"neutral","sentiment_score":-0.0004609165535796256},{"text":"But we're trying to keep it obviously at that minimum 1.25 because the cash is not gonna grow near as much as your other investments.","start":980.12,"end":986.7,"sentiment":"neutral","sentiment_score":0.018803371787071227},{"text":"Yep.","start":988.84,"end":989.34,"sentiment":"neutral","sentiment_score":0.08201541006565094}],"sentiment":"neutral","sentiment_score":0.03513224527976194,"num_words":86,"start":963.465,"end":989.34},{"sentences":[{"text":"Perfect.","start":990.375,"end":990.875,"sentiment":"neutral","sentiment_score":0.2428133338689804},{"text":"Now almost at the end for you, but on the next page, it then talks about your asset allocation, which is page 18.","start":991.015,"end":997.835,"sentiment":"neutral","sentiment_score":0.07308662974316141},{"text":"Yep.","start":1000.29504,"end":1000.615,"sentiment":"neutral","sentiment_score":0.07305464148521423},{"text":"So it basically shows you your risk profile, which is around that ninety ten mark, 90 growth, 10 defensive.","start":1000.615,"end":1007.38995,"sentiment":"neutral","sentiment_score":0.08026610785409023},{"text":"You can see your existing portfolio, which is about 87.8 in growth, 12.20 in defensive, and then the proposed, which is about $93.81 in growth, and then 6.19 in defensive.","start":1008.08997,"end":1022.405,"sentiment":"neutral","sentiment_score":0.0804707953085502}],"sentiment":"neutral","sentiment_score":0.08021676172879902,"num_words":74,"start":990.375,"end":1022.405},{"sentences":[{"text":"So the proposed portfolio is slightly more in growth.","start":1022.865,"end":1026.005,"sentiment":"neutral","sentiment_score":0.08994545373651716},{"text":"Not too much, but both very much aligning with that high growth portfolio for you.","start":1026.7051,"end":1032.005,"sentiment":"neutral","sentiment_score":0.15218664904435475},{"text":"Yep.","start":1034.545,"end":1035.045,"sentiment":"positive","sentiment_score":0.3832082152366638},{"text":"Perfect.","start":1035.105,"end":1035.605,"sentiment":"positive","sentiment_score":0.7785274982452393},{"text":"Perfect.","start":1035.79,"end":1035.95,"sentiment":"positive","sentiment_score":0.7081464529037476}],"sentiment":"neutral","sentiment_score":0.18378485132146766,"num_words":27,"start":1022.865,"end":1035.95},{"sentences":[{"text":"Now I have then also included some information in regards to your beneficiary.","start":1035.95,"end":1040.85,"sentiment":"neutral","sentiment_score":0.18073027179791376},{"text":"Now when we spoke last, I believe you mentioned that, obviously, for your superannuation, you wanted it to go to your partner if something were to happen to you.","start":1041.47,"end":1049.33,"sentiment":"neutral","sentiment_score":0.07459401454904983},{"text":"So I have included kind of the advantages some disadvantages to be mindful of and risks with a nomination.","start":1049.515,"end":1057.455,"sentiment":"neutral","sentiment_score":0.055656170276434797},{"text":"The good thing with nominating a spouse is that it's tax free if something were to happen, which is really good.","start":1058.315,"end":1066.16,"sentiment":"positive","sentiment_score":0.7152519992419651},{"text":"It also kind of bypassed the estate because superannuation does not form part of the estate otherwise.","start":1066.7,"end":1072.16,"sentiment":"positive","sentiment_score":0.4471167588935179}],"sentiment":"neutral","sentiment_score":0.28476226339210764,"num_words":99,"start":1035.95,"end":1072.16},{"sentences":[{"text":"So it does make things a little bit smoother.","start":1072.46,"end":1074.88,"sentiment":"positive","sentiment_score":0.6355656782786051},{"text":"The type of nomination I have recommended, it is a binding, nonlapsing option.","start":1075.5,"end":1080.155,"sentiment":"neutral","sentiment_score":0.2796906221371431},{"text":"Binding essentially means that it states the trustee, sorry, in this case, it was a trustee of sup of hub twenty four, are bound to follow your wishes.","start":1080.375,"end":1090.375,"sentiment":"neutral","sentiment_score":0.2916898030255522},{"text":"So it provides you with a lot more certainty.","start":1090.375,"end":1092.395,"sentiment":"positive","sentiment_score":0.41783525546391803},{"text":"The other option is nonbinding, which essentially just means that this is what you want to have happen.","start":1093.06,"end":1099.24,"sentiment":"neutral","sentiment_score":0.1298724032110638}],"sentiment":"neutral","sentiment_score":0.30677408096078157,"num_words":77,"start":1072.46,"end":1099.24},{"sentences":[{"text":"But at the end of the day, if the trustee has full discretion in determining if they feel that there's someone else better suitable to receive the money, if that makes sense.","start":1099.54,"end":1107.4349,"sentiment":"neutral","sentiment_score":0.10516658557025949},{"text":"So finding makes a lot more certain.","start":1108.5349,"end":1110.875,"sentiment":"neutral","sentiment_score":0.19480682270867483},{"text":"Now you have them lapsing and non lapsing.","start":1111.735,"end":1114.7949,"sentiment":"neutral","sentiment_score":0.1283433996140957},{"text":"Non lapsing, I have recommended.","start":1115.335,"end":1116.7949,"sentiment":"neutral","sentiment_score":0.12974758446216583},{"text":"It basically means that it stays in place until you decide to change it.","start":1116.855,"end":1121.28,"sentiment":"neutral","sentiment_score":0.11246420443058014}],"sentiment":"neutral","sentiment_score":0.12089337088576885,"num_words":66,"start":1099.54,"end":1121.28},{"sentences":[{"text":"So if your situate situation ever changed, just have to obviously be mindful, and we'll have to update it.","start":1121.28,"end":1126.88,"sentiment":"neutral","sentiment_score":0.08887750302490435},{"text":"Otherwise, it stays in place until you change it.","start":1126.88,"end":1129.54,"sentiment":"neutral","sentiment_score":0.1075971672932307},{"text":"The lapsing option means that it expires every three years, and you have to recomplete the forms every three 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and power of attorney at the bottom of this document as well.","start":1152.0199,"end":1158.7599,"sentiment":"neutral","sentiment_score":0.1026276112706573},{"text":"Perfect.","start":1161.7,"end":1162.155,"sentiment":"positive","sentiment_score":0.6976442337036133}],"sentiment":"neutral","sentiment_score":0.18643041451772055,"num_words":57,"start":1139.575,"end":1162.155},{"sentences":[{"text":"Now the last thing is the when it comes to their remuneration, so like I said during the under review, no changes whatsoever in regards to that fee structure for you.","start":1162.235,"end":1171.135,"sentiment":"neutral","sentiment_score":0.19652383245768085},{"text":"You are on that reduced couple fee of 1.1 from super, but no changes whatsoever in regards to that fee structure.","start":1171.355,"end":1178.54,"sentiment":"neutral","sentiment_score":0.20328901282378606},{"text":"There's no additional fees and charges for any of the advice or research with this segment of advice either, but it's all part of that ongoing service for you.","start":1179.0,"end":1188.14,"sentiment":"neutral","sentiment_score":0.2862821390916561},{"text":"Perfect.","start":1190.6,"end":1191.075,"sentiment":"positive","sentiment_score":0.5922014117240906},{"text":"Now do you have any questions for me or your thoughts on anything at this point?","start":1191.315,"end":1196.0549,"sentiment":"neutral","sentiment_score":0.18390820547938347}],"sentiment":"neutral","sentiment_score":0.2265124776381619,"num_words":98,"start":1162.235,"end":1196.0549},{"sentences":[{"text":"No?","start":1198.995,"end":1199.495,"sentiment":"neutral","sentiment_score":-0.03635667264461517},{"text":"Yep.","start":1200.115,"end":1200.615,"sentiment":"neutral","sentiment_score":0.03278099372982979},{"text":"Yep.","start":1201.955,"end":1202.355,"sentiment":"neutral","sentiment_score":0.07629277557134628},{"text":"Okay.","start":1202.355,"end":1202.755,"sentiment":"neutral","sentiment_score":0.23260053992271423},{"text":"Beautiful.","start":1202.755,"end":1203.255,"sentiment":"positive","sentiment_score":0.4486753344535827}],"sentiment":"neutral","sentiment_score":0.15079859420657157,"num_words":5,"start":1198.995,"end":1203.255},{"sentences":[{"text":"So, essentially, from here is, obviously, if you wanna take some time and have a read over the document, you are more than welcome to do so.","start":1203.3949,"end":1210.7001,"sentiment":"neutral","sentiment_score":0.254163580360236},{"text":"If you do have a read over the document or you don't have any questions or you are happy to go ahead with the recommendation, to then move forward, it would just be to sign, the document.","start":1211.0801,"end":1220.765,"sentiment":"neutral","sentiment_score":0.2307090316269849},{"text":"It will be same as how you signed the annual review document.","start":1221.3049,"end":1224.105,"sentiment":"neutral","sentiment_score":0.23491727684934935},{"text":"It will just ask for digital signature and a date.","start":1224.105,"end":1226.765,"sentiment":"neutral","sentiment_score":0.2149541571736336},{"text":"Just that one in the document, and then it will automatically send it back to me, and that tells me that you are happy to go ahead with the recommendation.","start":1227.465,"end":1237.18,"sentiment":"positive","sentiment_score":0.3622169574101766}],"sentiment":"neutral","sentiment_score":0.2692561073806779,"num_words":116,"start":1203.3949,"end":1237.18},{"sentences":[{"text":"Yep.","start":1237.5,"end":1237.9,"sentiment":"positive","sentiment_score":0.33977413177490234},{"text":"Beautiful.","start":1237.9,"end":1238.4,"sentiment":"positive","sentiment_score":0.5607388615608215},{"text":"Now I do wanna let you know as well that the recommendation is only valid for a short period of time just to make sure, obviously, everything stays relevant for you.","start":1238.78,"end":1248.38,"sentiment":"neutral","sentiment_score":0.2578510041198423},{"text":"So it is valid for sixty days just so that you are aware, but that still gives you plenty of time to have a read over everything when you have a moment as 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do.","start":1268.1,"end":1275.72,"sentiment":"neutral","sentiment_score":0.07308958411216736},{"text":"Okay.","start":1276.1,"end":1276.6,"sentiment":"positive","sentiment_score":0.34633776545524597}],"sentiment":"neutral","sentiment_score":0.18600290584362159,"num_words":59,"start":1259.405,"end":1276.6},{"sentences":[{"text":"No worries.","start":1276.82,"end":1277.2999,"sentiment":"positive","sentiment_score":0.36818838119506836},{"text":"Well, thank you so much for your time today, and I look forward to speaking with you soon again.","start":1277.2999,"end":1281.075,"sentiment":"positive","sentiment_score":0.7714778561341135},{"text":"No worries.","start":1283.3949,"end":1284.0349,"sentiment":"neutral","sentiment_score":0.2430160492658615},{"text":"Just speak soon.","start":1284.0349,"end":1284.9349,"sentiment":"neutral","sentiment_score":0.22419003148873648},{"text":"Bye.","start":1285.635,"end":1286.135,"sentiment":"neutral","sentiment_score":0.2554163634777069}],"sentiment":"positive","sentiment_score":0.6225360957560716,"num_words":27,"start":1276.82,"end":1286.135}]}}]},{"alternatives":[{"transcript":"I'm good. How are you? Yeah. Sure. Go ahead. Yeah. Yep. That's fine. Yep. Yep. Full name is Zuzuha Mai. Date of birth is 11/12/1996. Address is 220 A Beachborough Road North Bayswater, Western Australia. No. No. Just relaxing. Days off. Nothing much. Yeah. Yeah. Mhmm. Yep. Yep. Yep. Mhmm. Yep. Mhmm. Yeah. Yeah. Yeah. Yep. Yep. Mhmm. Mhmm. Yep. Mhmm. Okay. Yep. Mhmm. Yep. Mhmm. Yep. Yep. Mhmm. Mhmm. Yep. Yep. Yep. Makes sense. Yep. Which page? Oh, yeah. Yep. Okay. Yep. Okay. Yep. Yep. Yep. Yep. Yep. Sort of. Yeah. Yeah. Mhmm. Yeah. Yeah. It's one of my current portfolio on my investment as well. Yep. Mhmm. Yep. Disconnected. Yes. Yep. Power off. Okay. Yep. That kinda makes sense. Yeah. So much question. Okay. Sounds good. Yep. Yep. Yep. Makes sense. Yep. Mhmm. Yep. Yep. Makes sense. Yep. Mhmm. Yeah. Okay. Makes sense. Yep. That's fine. Yep. Yep. Okay. Yep. Yep. Cool. No. Not much question. Makes sense. Makes sense today. Messing strategies. Yep. Sounds good. Yep. Sounds good. Plenty of time. Yep. Okay. No problems. Sounds good. No problems. Thank you very much. You're welcome. Yeah. 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This is Veronica from Oakview Financial. How are you?\n\nChannel 1: I'm good. How are you?\n\nChannel 0: I'm good. Thanks. I had you booked in to go over the research I did on your super investments after we spoke last time. Is now still a good time for you?\n\nChannel 1: Yeah. Sure. Go ahead.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. Now just before I do go any further, just as per usual, just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Yep. Perfect. And just for security purposes, could I please get you to confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Yep. Yep. Full name is Zuzuha Mai. Date of birth is 11/12/1996.\n\nChannel 0: Yep.\n\nChannel 1: Address is 220 A Beachborough Road North Bayswater, Western Australia.\n\nChannel 0: Yep. Beautiful. And how your day been so far? I've been busy.\n\nChannel 1: No. No. Just relaxing. Days off.\n\nChannel 0: That's\n\nChannel 1: Nothing\n\nChannel 0: nice.\n\nChannel 1: much. Yeah.\n\nChannel 0: Oh, that's lovely. And now do you have access to your emails at the moment?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Okay. Beautiful. So what I have done is I have send you an email outlining the recommendation, and it just makes it a bit easier for you if you can access that at the same time\n\nChannel 1: Mhmm.\n\nChannel 0: if you're able to get that up for me.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So let me know if you can see the cover page, process statement of advice, and there's a pretty photo of the Gold Coast in the background.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Beautiful. Now every time we do make a recommendation, we have to put everything in a statement of advice just to make sure that you fully understand everything. So a lot of it is just for compliance. It's quite wordy.\n\nIt's about 35 pages, but I will just go through the most important things with you. It is pretty straightforward today, but it is to allow you the opportunity to read over everything and make sure you fully understand everything before agreeing to anything. Okay?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Yep. Beautiful. Now on the cover page, you'll also see my details listed. You will also see my authorized representative number, and I am a licensed representative number, and I am a licensed under OTU Financial.\n\nChannel 1: Mhmm.\n\nChannel 0: Now if you want to scroll to the second page, it talks a little bit about the best interest you do. Do you remember ever hearing about this before?\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Okay. Perfect. So, yeah, basically, we have to make sure we always act in your best interest other than the advice puts you in a better position. Now as you scroll through, you'll see table of content. You will then see scope of advice on page three.\n\nChannel 1: Mhmm.\n\nChannel 0: Basically, what this talks about is just the areas we are looking at today. So simply today, we are just looking at your super, specifically your investments within your superannuation to see if we needed to make any tweaks and changes to anything to make sure we always have you in the best position to achieve your goals. And I have also just included some information in regards to estate planning. It is something I always recommend everyone to consider. So I have included a bit of estate planning in the document for you to have a bit of a read over in your own time.\n\nBut, otherwise, not making any changes or anything else. Literally, just just your and your investments.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Yep. Now as you scroll through, you will see a a page about you. Just from the fact find, you will have your assets and liabilities listed. You will then have your current superannuation. And if you can stop on page nine where it talks about your risk profile.\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. So, basically, this just shows you your your risk profile. So we are not making any changes whatsoever in regards to that risk profile. You are still in a high growth portfolio. It's still very much applicable to you.\n\nYou have plenty of time until retirement to take advantage of those short term fluctuations in order to grow your super as much as possible. So we're not making any changes when it comes to your level of risk.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yep. Beautiful. Now if you wanna scroll down to page 11 for me, it then kind of highlights the recommendation. So let me know if you can see that.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Yep. So with the recommendations, a part of the research as well is I did consider a lot of other alternative superannuation funds for you. It is always good to reassess every now and then just to make sure it's still the best option for you because there's always new products and features that comes out. So after doing research, I have recommended that you stay within Hub twenty four. It's still very competitive when it comes to their fees, their their features, and the available investment choices in comparison to a little bit of competitors.\n\nI do use Hub twenty four for my personal super as well. So I have recommended that we stay in Hub twenty four for you and literally just change a couple of your investments.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Yep. Now, basically, everything you scroll through puts it all into words, so you'll have advantages, some risks, disadvantages, and alternatives considered. I often find if you want to scroll through page 14, it kind of summarizes everything in a in a table to make it nice and easy.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So this table here basically puts puts everything or from, like, a a mathematical point of view and the numbers into it, which I often find is a bit easier to look at. But what I have recommended, like I said, is staying in hub twenty four and changing your investments. Now what that actually looks like, you can see here. So it's not making any changes to contributions.\n\nIt's not adding insurances or anything like that. It's literally just changing your investments. So by changing a couple of your investments around, it will save you about $488 per year in investment fees alone, which is pretty good.\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: Now when it comes to the performance as well, so you can see here I have compared the five year rolling average. Now with investments, obviously, you can't guarantee performance. You can't guarantee what's going to happen in the world and the market, but that is why we use a five year rolling average. So, basically, using a five year period of time and averaging that out on a yearly basis to give us a little bit more certainty of what has happened to the portfolio and the market as well. So using the same time frame, you can see your current portfolio has performed at about 10.26% and recommended at about 11.71.\n\nSo it is still making a difference of about 1.45%. Not a massive difference, but it still makes a pretty big difference when we are then compounding everything for you. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now underneath that, you can then see things projected forward for five and ten years. If we assume everything else stays the same for you and literally just changing a couple of investments around with the fee saving and the improved performance, it is making a difference of about 22,960, but those small little tweaks does make a pretty big difference when we are compounding things for you.\n\nChannel 1: Yep. Makes sense.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now one thing I do wanna mention as well is that when it comes to making changes in a super environment through through investments, there will be capital gains tax associated with making changes sometimes. So similar to, like, if you were to sell an investment property, you have to pay capital gains tax on the earning when you sell it. The same is applicable for within superannuation. It's all taken care of within the superannuation environment, though.\n\nIt's not something you have to pay for personally, and it's not something you ever have to declare on a tax return or anything like that. It is all within the super environment. Now if I were to sell all of your investments, the estimated capital gains tax would have been about 1,215. So, obviously, trying to minimize that as much as possible by still changing the investments that's going to put you in a better position. So if you look on the top table here where it says the balance, and you can see a difference of $240.\n\nCan you see that?\n\nChannel 1: Which page?\n\nChannel 0: Same page. Same page. 14.\n\nChannel 1: Oh,\n\nChannel 0: Just\n\nChannel 1: yeah.\n\nChannel 0: at the top of that table. Yeah. So\n\nChannel 1: Yep.\n\nChannel 0: the difference there so it's estimated to only be about $240, which is pretty good.\n\nChannel 1: Okay. Yep.\n\nChannel 0: So, obviously, things do change a little bit based on, obviously, market prices, so it can fluctuate a little bit. But it's estimated at that 240, which is obviously a lot less than 1,215. But, obviously, something I do want you to be aware of.\n\nChannel 1: Okay.\n\nChannel 0: Does\n\nChannel 1: Yep.\n\nChannel 0: that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. K. Perfect. Now if you then scroll down to the next page, it says page 15. I have that included a little bit more in regards to the comparison between the two portfolios.\n\nSo you can see a twelve month, three years, a years, and a ten year comparison. And you can see that across all time frames, the recommended portfolio has performed better than your current one, which is good.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now what those changes actually looks like is on page 16. So you should have a bit of an investment table there. Yep.\n\nSo this can look a little bit messy, but, essentially, what it shows is, obviously, the investment name, so what they're called. There's kind of special little code. You then have your current weight, so how much you have in each investment, what that looks like from a dollar value point of view, and then you have the buy and sell column. So on this column here, everything that's in red is what we are either selling or reducing exposure to. What's in black is then either what we are adding to the portfolio or adding exposure Does that make sense?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Now you then have your target weight, so how much we wanna allocate to each option and then what that looks like on a dollar value. Now what it actually changes to your investment, it is making a couple of changes. So how we put together the portfolio,\n\nChannel 1: Sort of.\n\nChannel 0: before?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. So, obviously, basically, we invest majority of the funds in your core, which kind of represents the backbone of your portfolio. So your core investments here, you can see are, like, the largest shareholding. So you can see, for example, the iShares S and P five hundred. So you already have that in your portfolio.\n\nIt is just increasing the exposure a little bit from twenty four fifty three to 35. Obviously, this one here, it is very diversified. It does invest in the 500 largest companies listed in The US. So very good diversified option for you. Another one of your core investments that we have changed is that you had Benelon Australian equity in your portfolio, and I have recommended that we change that for the second one to the bottom, which is your beta shares Australia 200.\n\nNow the Benelon Australian equity was the one I touched on during the annual review that was underperforming a little bit on that we wanted to do some research and look at potentially changing. So because we are removing an Australian investment, we obviously wanna make sure we still keep things very diversified for you and look at alternative Australian investments. Now the\n\nChannel 1: Mhmm.\n\nChannel 0: Betagis Australia two hundred works a little bit differently to the Benelung. So what it basically is have you heard of it before? Because I know you're\n\nChannel 1: Yeah.\n\nChannel 0: kind of\n\nChannel 1: Yeah.\n\nChannel 0: across\n\nChannel 1: It's one of\n\nChannel 0: yes.\n\nChannel 1: my current portfolio on my investment\n\nChannel 0: Oh, there\n\nChannel 1: as\n\nChannel 0: you go.\n\nChannel 1: well.\n\nChannel 0: Well, I\n\nChannel 1: Yep.\n\nChannel 0: won't waste so much time talking about that then. But, yeah, obviously, 200 companies, this company grows, gets bigger, added to it, and something smaller falls off. So, obviously, that kind of ETF structure, your Bennelong Australian equity is a managed fund. So, obviously, the purpose behind that was to actively buy and sell different investments in order to outperform the market. So slightly different functions, but the BetterShares a 200 has performed a little bit better than the Bennelong.\n\nObviously, a little bit smoother because it kind of just tracks that index for you as well, but still keeping things very diversified.\n\nChannel 1: Mhmm. Yep. Disconnected.\n\nChannel 0: Now you then have, obviously, your satellite investments. So these are the ones that's a little bit more specialized that can be a little bit more volatile, and they kind of target specific sectors, regions, or asset classes in order to kinda maximize growth. But because they can be a little bit more volatile, they only kind of represent a smaller portion of your portfolio as a result. So you can kind of see that they have a lot lower allocation through them. So in this\n\nChannel 1: Yes.\n\nChannel 0: instance, you can see, for example, the beta share cybersecurity, you already have that in your portfolio. It's just reducing it a little bit to 6% from 8.59%. We are swapping the satellite you had, the BetaShares India quality and health care and JPMorgan Global Research, and the RAFI Australia 200. And instead, we're introducing at the bottom there kind of different satellite investments. The purpose is to make sure we keep things very diversified, especially with today's kind of market while still giving you good kind of overall growth.\n\nSo what we have introduced is 9% into Europe, the iShares Europe, 5% into Japan, and then 8% into Vanguard or World. This one here excludes The US. You already have pretty good exposure to The US in the iShares S and P 500. We also wanna make sure you don't have too much market. So this one here is a kind of a very good, broad investment across the globe, but like I said, that's excludes The US.\n\nChannel 1: Yep.\n\nChannel 0: You still have gold in your portfolio. It basically says almost exactly the same from 7.04% to 7%. And then when it comes to the defensive, we are changing the BetaShares Australia Bank hybrid.\n\nChannel 1: Power off.\n\nChannel 0: They are slowly spacing that one out. So we're just introducing another fixed interest, the iShares core composite bond at 5%.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Any questions in regards through any of that, or it kind of makes sense?\n\nChannel 1: That kinda makes sense. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: So much\n\nChannel 0: Perfect.\n\nChannel 1: question.\n\nChannel 0: Now good. Now, obviously, if you wanted to do some more research yourself and also for that kind of transparency, so in the appendix, which is the second attachment, I have included all the investment links through these investments as well. So if it is something that you do wanna go and have a bit of a read over, all that information is there for you as well.\n\nChannel 1: Okay. Sounds good.\n\nChannel 0: Now on the next page, so page 17, you\n\nChannel 1: Yep.\n\nChannel 0: can see a little section where it talks about the cash account. Can you see that?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So, basically, it shows that with hub twenty four, they do have a minimum of 1.25% that has to be in cash. And that's just to make sure you have enough liquid money available for any fees and stuff associated with the account. But we obviously want to keep it as close to that 1.25 as we possibly can. Now, obviously, it does shift a little bit because when you do get contributions added to the account, it then obviously gets rebalanced.\n\nSo there might be some slight period of times where until it gets rebalanced, it can be a little bit more. But we're trying to keep it obviously at that minimum 1.25 because the cash is not gonna grow near as much as your other investments.\n\nChannel 1: Yep. Makes sense.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now almost at the end for you, but on the next page, it then talks about your asset allocation, which is page 18.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Yep. So it basically shows you your risk profile, which is around that ninety ten mark, 90 growth, 10 defensive. You can see your existing portfolio, which is about 87.8 in growth, 12.20 in defensive, and then the proposed, which is about $93.81 in growth, and then 6.19 in defensive. So the proposed portfolio is slightly more in growth. Not too much, but both very much aligning with that high growth portfolio for you.\n\nChannel 1: Yep. Makes sense.\n\nChannel 0: Yep. Perfect. Perfect. Now I have then also included some information in regards to your beneficiary.\n\nChannel 1: Yep.\n\nChannel 0: Now when we spoke last, I believe you mentioned that, obviously, for your superannuation, you wanted it to go to your partner if something were to happen to you. So\n\nChannel 1: Mhmm.\n\nChannel 0: I have included kind of the advantages some disadvantages to be mindful of and risks with a nomination. The good thing with nominating a spouse is that it's tax free if something were to happen, which is really good. It also kind of bypassed the estate because superannuation does not form part of the estate otherwise. So it does make things a little bit smoother. The type of nomination I have recommended, it is a binding, nonlapsing option.\n\nBinding essentially means that it states the trustee, sorry, in this case, it was a trustee of sup of hub twenty four, are bound to follow your wishes. So it provides you with a lot more certainty. The other option is nonbinding, which essentially just means that this is what you want to have happen. But at the end of the day, if the trustee has full discretion in determining if they feel that there's someone else better suitable to receive the money, if that makes sense.\n\nChannel 1: Yeah.\n\nChannel 0: So finding makes a lot more certain. Now you have them lapsing and non lapsing. Non lapsing, I have recommended. It basically means that it stays in place until you decide to change it. So if your situate situation ever changed, just have to obviously be mindful, and we'll have to update it.\n\nOtherwise, it stays in place until you change it. The lapsing option means that it expires every three years, and you have to recomplete the forms every three\n\nChannel 1: Okay. Makes sense.\n\nChannel 0: years.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: That's\n\nChannel 0: Yep.\n\nChannel 1: fine.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Now I have also just included some information in regards to setting up a will and power of attorney. It is something I always recommend everyone to consider. So I have this included just some information in regards to setting up a will and power of attorney at the bottom of this document as well.\n\nChannel 1: Yep. Okay. Yep.\n\nChannel 0: Perfect. Now the last thing is the when it comes to their remuneration, so like I said during the under review, no changes whatsoever in regards to that fee structure for you. You are on that reduced couple fee of 1.1 from super, but no changes whatsoever in regards to that fee structure. There's no additional fees and charges for any of the advice or research with this segment of advice either, but it's all part of that ongoing service for you.\n\nChannel 1: Yep.\n\nChannel 0: Perfect.\n\nChannel 1: Cool.\n\nChannel 0: Now do you have any questions for me or your thoughts on anything at this point?\n\nChannel 1: No. Not much question. Makes\n\nChannel 0: No?\n\nChannel 1: sense. Makes sense\n\nChannel 0: Yep.\n\nChannel 1: today. Messing strategies.\n\nChannel 0: Yep. Okay. Beautiful. So, essentially, from here is, obviously, if you wanna take some time and have a read over the document, you are more than welcome to do so. If you do have a read over the document or you don't have any questions or you are happy to go ahead with the recommendation, to then move forward, it would just be to sign, the document.\n\nIt will be same as how you signed the annual review document. It will just ask for digital signature and a date. Just that one in the document, and then it will automatically send it back to me, and that tells me that you are happy to go ahead with the recommendation.\n\nChannel 1: Yep. Sounds\n\nChannel 0: Yep.\n\nChannel 1: good.\n\nChannel 0: Beautiful. Now I do wanna let you know as well that the recommendation is only valid for a short period of time just to make sure, obviously, everything stays relevant for you. So it is valid for sixty days just so that you are aware, but that still gives you plenty of time to have a read over everything when you have a moment as well.\n\nChannel 1: Yep. Sounds good. Plenty\n\nChannel 0: Yeah.\n\nChannel 1: of time. Yep.\n\nChannel 0: No worries. Well, I will let you go and get on with your afternoon. If there's anything else that you need at any point in time, don't hesitate to give me a call. Otherwise, I'll keep a lookout on my emails to see if that document comes through or what you decide that you would like to\n\nChannel 1: Okay. No\n\nChannel 0: do.\n\nChannel 1: problems. Sounds good.\n\nChannel 0: Okay. No worries. Well, thank you so much for your time today, and I look forward to speaking with you soon again.\n\nChannel 1: No problems. Thank you very much.\n\nChannel 0: No worries. Just speak\n\nChannel 1: You're\n\nChannel 0: soon.\n\nChannel 1: welcome. Yeah.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":3.52,"end":4.24,"sentiment":"neutral","sentiment_score":0.28470127284526825},{"text":"This is Veronica from Oakview Financial.","start":4.24,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.24901644388834634},{"text":"How are you?","start":6.3199997,"end":7.14,"sentiment":"neutral","sentiment_score":0.20049308240413666}],"sentiment":"neutral","sentiment_score":0.2422709505666386,"channel":0,"num_words":11,"start":3.52,"end":7.14},{"sentences":[{"text":"I'm good.","start":7.3599997,"end":7.7599998,"sentiment":"positive","sentiment_score":0.4618019759654999},{"text":"How are you?","start":7.7599998,"end":8.59,"sentiment":"neutral","sentiment_score":0.3280060787995656}],"sentiment":"positive","sentiment_score":0.38152443766593935,"channel":1,"num_words":5,"start":7.3599997,"end":8.59},{"sentences":[{"text":"I'm good.","start":8.72,"end":9.5199995,"sentiment":"positive","sentiment_score":0.5201604962348938},{"text":"Thanks.","start":9.5199995,"end":10.0199995,"sentiment":"positive","sentiment_score":0.6189678311347961},{"text":"I had you booked in to go over the research I did on your super investments after we spoke last time.","start":10.719999,"end":16.125,"sentiment":"neutral","sentiment_score":0.2985259180977231},{"text":"Is now still a good time for you?","start":16.125,"end":17.745,"sentiment":"neutral","sentiment_score":0.29624419659376144}],"sentiment":"neutral","sentiment_score":0.3218214586377144,"channel":0,"num_words":32,"start":8.72,"end":17.745},{"sentences":[{"text":"Yeah.","start":17.935001,"end":18.255001,"sentiment":"neutral","sentiment_score":0.11677858233451845},{"text":"Sure.","start":18.255001,"end":18.495,"sentiment":"neutral","sentiment_score":0.12755563855171204},{"text":"Go ahead.","start":18.495,"end":19.135,"sentiment":"neutral","sentiment_score":0.13189110532402992}],"sentiment":"neutral","sentiment_score":0.12702910788357258,"channel":1,"num_words":4,"start":17.935001,"end":19.135},{"sentences":[{"text":"Yep.","start":18.925,"end":19.425,"sentiment":"neutral","sentiment_score":0.16705837845802307}],"sentiment":"neutral","sentiment_score":0.16705837845802307,"channel":0,"num_words":1,"start":18.925,"end":19.425},{"sentences":[{"text":"Yeah.","start":19.135,"end":19.635,"sentiment":"neutral","sentiment_score":0.24765673279762268}],"sentiment":"neutral","sentiment_score":0.24765673279762268,"channel":1,"num_words":1,"start":19.135,"end":19.635},{"sentences":[{"text":"Beautiful.","start":19.645,"end":20.145,"sentiment":"positive","sentiment_score":0.4691007137298584},{"text":"Now just before I do go any further, just as per usual, just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay?","start":20.925,"end":29.68,"sentiment":"neutral","sentiment_score":0.11477782600559294}],"sentiment":"neutral","sentiment_score":0.12551488320935855,"channel":0,"num_words":33,"start":19.645,"end":29.68},{"sentences":[{"text":"Yep.","start":30.05,"end":30.37,"sentiment":"neutral","sentiment_score":0.08701624721288681},{"text":"That's fine.","start":30.37,"end":31.11,"sentiment":"neutral","sentiment_score":0.1630181297659874}],"sentiment":"neutral","sentiment_score":0.13768416891495386,"channel":1,"num_words":3,"start":30.05,"end":31.11},{"sentences":[{"text":"Yep.","start":30.939999,"end":31.439999,"sentiment":"neutral","sentiment_score":0.18470874428749084},{"text":"Perfect.","start":31.66,"end":32.16,"sentiment":"neutral","sentiment_score":0.30271026492118835},{"text":"And just for security purposes, could I please get you to confirm your full name, date of birth, and address for me, please?","start":32.38,"end":38.8,"sentiment":"neutral","sentiment_score":0.08463416280953781}],"sentiment":"neutral","sentiment_score":0.09736019015312194,"channel":0,"num_words":25,"start":30.939999,"end":38.8},{"sentences":[{"text":"Yep.","start":38.85,"end":39.35,"sentiment":"neutral","sentiment_score":0.03260932117700577},{"text":"Yep.","start":39.41,"end":39.81,"sentiment":"neutral","sentiment_score":0.029326513409614563},{"text":"Full name is Zuzuha Mai.","start":39.81,"end":42.135,"sentiment":"neutral","sentiment_score":0.04206470251083374},{"text":"Date of birth is 11/12/1996.","start":42.135,"end":45.595,"sentiment":"neutral","sentiment_score":0.03896641060709953}],"sentiment":"neutral","sentiment_score":0.03892428334802389,"channel":1,"num_words":12,"start":38.85,"end":45.595},{"sentences":[{"text":"Yep.","start":46.235,"end":46.735,"sentiment":"neutral","sentiment_score":0.02801944874227047}],"sentiment":"neutral","sentiment_score":0.02801944874227047,"channel":0,"num_words":1,"start":46.235,"end":46.735},{"sentences":[{"text":"Address is 220 A Beachborough Road North Bayswater, Western Australia.","start":46.614998,"end":52.075,"sentiment":"neutral","sentiment_score":0.04103938154876232}],"sentiment":"neutral","sentiment_score":0.04103938154876232,"channel":1,"num_words":10,"start":46.614998,"end":52.075},{"sentences":[{"text":"Yep.","start":53.035,"end":53.535,"sentiment":"neutral","sentiment_score":0.07495690137147903},{"text":"Beautiful.","start":53.595,"end":54.095,"sentiment":"neutral","sentiment_score":0.28809231519699097},{"text":"And how your day been so far?","start":54.155,"end":55.69,"sentiment":"neutral","sentiment_score":0.14020360367638723},{"text":"I've been busy.","start":55.69,"end":56.55,"sentiment":"neutral","sentiment_score":-0.16699992616971335}],"sentiment":"neutral","sentiment_score":0.07028955531617005,"channel":0,"num_words":12,"start":53.035,"end":56.55},{"sentences":[{"text":"No.","start":57.39,"end":57.71,"sentiment":"neutral","sentiment_score":-0.2394554018974304},{"text":"No.","start":57.71,"end":57.95,"sentiment":"neutral","sentiment_score":-0.2340886890888214},{"text":"Just relaxing.","start":57.95,"end":58.77,"sentiment":"neutral","sentiment_score":-0.2205301895737648},{"text":"Days off.","start":58.91,"end":59.47,"sentiment":"neutral","sentiment_score":-0.14242412149906158}],"sentiment":"neutral","sentiment_score":-0.1999087855219841,"channel":1,"num_words":6,"start":57.39,"end":59.47},{"sentences":[{"text":"That's","start":59.25,"end":59.57,"sentiment":"neutral","sentiment_score":-0.18140900135040283}],"sentiment":"neutral","sentiment_score":-0.18140900135040283,"channel":0,"num_words":1,"start":59.25,"end":59.57},{"sentences":[{"text":"Nothing","start":59.47,"end":59.71,"sentiment":"neutral","sentiment_score":-0.2338992804288864}],"sentiment":"neutral","sentiment_score":-0.2338992804288864,"channel":1,"num_words":1,"start":59.47,"end":59.71},{"sentences":[{"text":"nice.","start":59.57,"end":60.07,"sentiment":"neutral","sentiment_score":-0.22755283117294312}],"sentiment":"neutral","sentiment_score":-0.22755283117294312,"channel":0,"num_words":1,"start":59.57,"end":60.07},{"sentences":[{"text":"much.","start":59.71,"end":60.21,"sentiment":"neutral","sentiment_score":-0.06949879229068756},{"text":"Yeah.","start":60.51,"end":61.01,"sentiment":"neutral","sentiment_score":0.05839556083083153}],"sentiment":"neutral","sentiment_score":-0.005551615729928017,"channel":1,"num_words":2,"start":59.71,"end":61.01},{"sentences":[{"text":"Oh, that's lovely.","start":60.61,"end":61.589996,"sentiment":"neutral","sentiment_score":0.2735640307267507},{"text":"And now do you have access to your emails at the moment?","start":63.17,"end":66.15,"sentiment":"neutral","sentiment_score":0.06799993415673573}],"sentiment":"neutral","sentiment_score":0.10911275347073873,"channel":0,"num_words":15,"start":60.61,"end":66.15},{"sentences":[{"text":"Yeah.","start":66.59,"end":67.09,"sentiment":"neutral","sentiment_score":0.04646129161119461}],"sentiment":"neutral","sentiment_score":0.04646129161119461,"channel":1,"num_words":1,"start":66.59,"end":67.09},{"sentences":[{"text":"Yeah.","start":67.33,"end":67.65,"sentiment":"neutral","sentiment_score":0.0709105059504509},{"text":"Okay.","start":67.65,"end":67.97,"sentiment":"neutral","sentiment_score":0.150104820728302},{"text":"Beautiful.","start":67.97,"end":68.45,"sentiment":"neutral","sentiment_score":0.29001331329345703},{"text":"So what I have done is I have send you an email outlining the recommendation, and it just makes it a bit easier for you if you can access that at the same time","start":68.45,"end":78.395,"sentiment":"neutral","sentiment_score":0.1746304609319743}],"sentiment":"neutral","sentiment_score":0.1742828192340361,"channel":0,"num_words":37,"start":67.33,"end":78.395},{"sentences":[{"text":"Mhmm.","start":79.065,"end":79.565,"sentiment":"neutral","sentiment_score":0.0701870545744896}],"sentiment":"neutral","sentiment_score":0.0701870545744896,"channel":1,"num_words":1,"start":79.065,"end":79.565},{"sentences":[{"text":"if you're able to get that up for me.","start":79.174995,"end":81.115,"sentiment":"neutral","sentiment_score":0.09410218108031485}],"sentiment":"neutral","sentiment_score":0.09410218108031485,"channel":0,"num_words":9,"start":79.174995,"end":81.115},{"sentences":[{"text":"Yep.","start":81.385,"end":81.885,"sentiment":"neutral","sentiment_score":0.07709290832281113}],"sentiment":"neutral","sentiment_score":0.07709290832281113,"channel":1,"num_words":1,"start":81.385,"end":81.885},{"sentences":[{"text":"Yep.","start":82.455,"end":82.95,"sentiment":"neutral","sentiment_score":0.0696827620267868},{"text":"So let me know if you can see the cover page, process statement of advice, and there's a pretty photo of the Gold Coast in the background.","start":83.11,"end":90.25,"sentiment":"neutral","sentiment_score":0.076100652002626}],"sentiment":"neutral","sentiment_score":0.07587144164634603,"channel":0,"num_words":28,"start":82.455,"end":90.25},{"sentences":[{"text":"Yep.","start":90.899994,"end":91.399994,"sentiment":"neutral","sentiment_score":0.07610981166362762},{"text":"Yep.","start":91.78,"end":92.28,"sentiment":"neutral","sentiment_score":0.08430260419845581}],"sentiment":"neutral","sentiment_score":0.08020620793104172,"channel":1,"num_words":2,"start":90.899994,"end":92.28},{"sentences":[{"text":"Yep.","start":91.829994,"end":92.229996,"sentiment":"neutral","sentiment_score":0.14439213275909424},{"text":"Beautiful.","start":92.229996,"end":92.729996,"sentiment":"positive","sentiment_score":0.3375377058982849},{"text":"Now every time we do make a recommendation, we have to put everything in a statement of advice just to make sure that you fully understand everything.","start":93.67,"end":102.645,"sentiment":"neutral","sentiment_score":0.1566654959762538},{"text":"So a lot of it is just for compliance.","start":103.024994,"end":104.865,"sentiment":"neutral","sentiment_score":0.11550187319517136},{"text":"It's quite wordy.","start":104.865,"end":105.665,"sentiment":"neutral","sentiment_score":0.04963652044534683}],"sentiment":"neutral","sentiment_score":0.14391035731972718,"channel":0,"num_words":41,"start":91.829994,"end":105.665},{"sentences":[{"text":"It's about 35 pages, but I will just go through the most important things with you.","start":105.665,"end":109.985,"sentiment":"neutral","sentiment_score":0.12945614499039948},{"text":"It is pretty straightforward today, but it is to allow you the opportunity to read over everything and make sure you fully understand everything before agreeing to anything.","start":109.985,"end":119.64,"sentiment":"neutral","sentiment_score":0.16848548648080655},{"text":"Okay?","start":119.64,"end":120.14,"sentiment":"neutral","sentiment_score":0.031729139387607574}],"sentiment":"neutral","sentiment_score":0.15156935734881294,"channel":0,"num_words":45,"start":105.665,"end":120.14},{"sentences":[{"text":"Mhmm.","start":120.0,"end":120.5,"sentiment":"neutral","sentiment_score":0.07200462371110916},{"text":"Yep.","start":120.64,"end":121.14,"sentiment":"neutral","sentiment_score":0.13897427916526794}],"sentiment":"neutral","sentiment_score":0.10548945143818855,"channel":1,"num_words":2,"start":120.0,"end":121.14},{"sentences":[{"text":"Yep.","start":121.479996,"end":121.88,"sentiment":"positive","sentiment_score":0.34723907709121704},{"text":"Beautiful.","start":121.88,"end":122.38,"sentiment":"positive","sentiment_score":0.7496576309204102},{"text":"Now on the cover page, you'll also see my details listed.","start":122.439995,"end":125.799995,"sentiment":"neutral","sentiment_score":0.1989845958623019},{"text":"You will also see my authorized representative number, and I am a licensed representative number, and I am a licensed under OTU Financial.","start":125.799995,"end":131.685,"sentiment":"neutral","sentiment_score":0.09146569005173186}],"sentiment":"neutral","sentiment_score":0.1497066148246328,"channel":0,"num_words":36,"start":121.479996,"end":131.685},{"sentences":[{"text":"Mhmm.","start":132.685,"end":133.185,"sentiment":"neutral","sentiment_score":0.04887371510267258}],"sentiment":"neutral","sentiment_score":0.04887371510267258,"channel":1,"num_words":1,"start":132.685,"end":133.185},{"sentences":[{"text":"Now if you want to scroll to the second page, it talks a little bit about the best interest you do.","start":132.785,"end":137.74501,"sentiment":"neutral","sentiment_score":0.05212617488134475},{"text":"Do you remember ever hearing about this before?","start":137.74501,"end":140.005,"sentiment":"neutral","sentiment_score":0.005555893527343869}],"sentiment":"neutral","sentiment_score":0.039279200714723815,"channel":0,"num_words":29,"start":132.785,"end":140.005},{"sentences":[{"text":"Yeah.","start":140.74,"end":141.06,"sentiment":"neutral","sentiment_score":0.04648125544190407},{"text":"Yeah.","start":141.06,"end":141.3,"sentiment":"neutral","sentiment_score":0.06060510501265526},{"text":"Yeah.","start":141.3,"end":141.8,"sentiment":"neutral","sentiment_score":0.07472364604473114}],"sentiment":"neutral","sentiment_score":0.06060333549976349,"channel":1,"num_words":3,"start":140.74,"end":141.8},{"sentences":[{"text":"Yep.","start":141.905,"end":142.225,"sentiment":"neutral","sentiment_score":0.09559661149978638}],"sentiment":"neutral","sentiment_score":0.09559661149978638,"channel":0,"num_words":1,"start":141.905,"end":142.225},{"sentences":[{"text":"Yep.","start":142.02,"end":142.18001,"sentiment":"neutral","sentiment_score":0.10418064892292024},{"text":"Yep.","start":142.18001,"end":142.68001,"sentiment":"neutral","sentiment_score":0.14318856596946716}],"sentiment":"neutral","sentiment_score":0.1236846074461937,"channel":1,"num_words":2,"start":142.02,"end":142.68001},{"sentences":[{"text":"Okay.","start":142.225,"end":142.53,"sentiment":"positive","sentiment_score":0.3762517869472504},{"text":"Perfect.","start":142.77,"end":143.17,"sentiment":"positive","sentiment_score":0.5786608457565308},{"text":"So, yeah, basically, we have to make sure we always act in your best interest other than the advice puts you in a better position.","start":143.17,"end":148.39,"sentiment":"neutral","sentiment_score":0.21724739342927932},{"text":"Now as you scroll through, you'll see table of content.","start":149.09,"end":151.91,"sentiment":"neutral","sentiment_score":0.08502300083637238},{"text":"You will then see scope of advice on page three.","start":152.45,"end":156.63,"sentiment":"neutral","sentiment_score":0.06702096164226531}],"sentiment":"neutral","sentiment_score":0.1682241934728115,"channel":0,"num_words":47,"start":142.225,"end":156.63},{"sentences":[{"text":"Mhmm.","start":157.405,"end":157.905,"sentiment":"neutral","sentiment_score":0.06980539858341217}],"sentiment":"neutral","sentiment_score":0.06980539858341217,"channel":1,"num_words":1,"start":157.405,"end":157.905},{"sentences":[{"text":"Basically, what this talks about is just the areas we are looking at today.","start":157.41,"end":161.595,"sentiment":"neutral","sentiment_score":0.1208117673439639},{"text":"So simply today, we are just looking at your super, specifically your investments within your superannuation to see if we needed to make any tweaks and changes to anything to make sure we always have you in the best position to achieve your goals.","start":161.595,"end":174.84,"sentiment":"neutral","sentiment_score":0.27219360931353137},{"text":"And I have also just included some information in regards to estate planning.","start":174.84,"end":178.94,"sentiment":"neutral","sentiment_score":0.21782216658959022},{"text":"It is something I always recommend everyone to consider.","start":179.48001,"end":182.62001,"sentiment":"positive","sentiment_score":0.3654567003250122},{"text":"So I have included a bit of estate planning in the document for you to have a bit of a read over in your own 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investments.","start":191.855,"end":194.275,"sentiment":"neutral","sentiment_score":0.10168372094631195}],"sentiment":"neutral","sentiment_score":0.03789203939959407,"channel":0,"num_words":16,"start":188.975,"end":194.275},{"sentences":[{"text":"Mhmm.","start":194.97,"end":195.29001,"sentiment":"neutral","sentiment_score":0.061385706067085266},{"text":"Yep.","start":195.29001,"end":195.79001,"sentiment":"neutral","sentiment_score":0.06488937139511108}],"sentiment":"neutral","sentiment_score":0.06313753873109818,"channel":1,"num_words":2,"start":194.97,"end":195.79001},{"sentences":[{"text":"Yep.","start":195.935,"end":196.435,"sentiment":"neutral","sentiment_score":0.058918535709381104},{"text":"Now as you scroll through, you will see a a page about you.","start":196.735,"end":201.155,"sentiment":"neutral","sentiment_score":0.06134214768042931},{"text":"Just from the fact find, you will have your assets and liabilities 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your level of risk.","start":241.15,"end":244.61,"sentiment":"negative","sentiment_score":-0.43370318838528227}],"sentiment":"neutral","sentiment_score":0.00663807281316855,"channel":0,"num_words":39,"start":233.39,"end":244.61},{"sentences":[{"text":"Okay.","start":245.48001,"end":245.98001,"sentiment":"neutral","sentiment_score":-0.04434937611222267},{"text":"Yep.","start":246.04001,"end":246.54001,"sentiment":"neutral","sentiment_score":0.08998435735702515}],"sentiment":"neutral","sentiment_score":0.022817490622401237,"channel":1,"num_words":2,"start":245.48001,"end":246.54001},{"sentences":[{"text":"Yep.","start":246.51,"end":246.98999,"sentiment":"neutral","sentiment_score":0.3290719985961914},{"text":"Beautiful.","start":246.98999,"end":247.48999,"sentiment":"positive","sentiment_score":0.6638047695159912},{"text":"Now if you wanna scroll down to page 11 for me, it then kind of highlights the recommendation.","start":248.16501,"end":254.265,"sentiment":"positive","sentiment_score":0.33566252804464763},{"text":"So let me know if you can see that.","start":255.045,"end":256.745,"sentiment":"neutral","sentiment_score":0.20281911889712015}],"sentiment":"neutral","sentiment_score":0.305523253206549,"channel":0,"num_words":29,"start":246.51,"end":256.745},{"sentences":[{"text":"Mhmm.","start":257.135,"end":257.635,"sentiment":"neutral","sentiment_score":0.11028438806533812},{"text":"Yep.","start":257.85498,"end":258.35498,"sentiment":"neutral","sentiment_score":0.1280326396226883}],"sentiment":"neutral","sentiment_score":0.11915851384401321,"channel":1,"num_words":2,"start":257.135,"end":258.35498},{"sentences":[{"text":"Yep.","start":258.165,"end":258.565,"sentiment":"neutral","sentiment_score":0.17439740896224976},{"text":"So with the recommendations, a part of the research as well is I did consider a lot of other alternative superannuation funds for you.","start":258.565,"end":266.44,"sentiment":"neutral","sentiment_score":0.2581401088585456},{"text":"It is always good to reassess every now and then just to make sure it's still the best option for you because there's always new products and features that comes out.","start":266.58002,"end":275.32,"sentiment":"neutral","sentiment_score":0.3192967157210073},{"text":"So after doing research, I have recommended that you stay within Hub twenty four.","start":276.5,"end":280.455,"sentiment":"positive","sentiment_score":0.36776889860630035},{"text":"It's still very competitive when it comes to their fees, their their features, and the available investment choices in comparison to a little bit of competitors.","start":280.455,"end":289.275,"sentiment":"positive","sentiment_score":0.451415479183197}],"sentiment":"positive","sentiment_score":0.3453492213351031,"channel":0,"num_words":96,"start":258.165,"end":289.275},{"sentences":[{"text":"I do use Hub twenty four for my personal super as 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underneath that, you can then see things projected forward for five and ten years.","start":420.19,"end":426.35498,"sentiment":"neutral","sentiment_score":0.292017987370491},{"text":"If we assume everything else stays the same for you and literally just changing a couple of investments around with the fee saving and the improved performance, it is making a difference of about 22,960, but those small little tweaks does make a pretty big difference when we are compounding things for you.","start":427.055,"end":445.97998,"sentiment":"positive","sentiment_score":0.3727768282845335}],"sentiment":"positive","sentiment_score":0.35821544195430866,"channel":0,"num_words":69,"start":419.15002,"end":445.97998},{"sentences":[{"text":"Yep.","start":448.065,"end":448.38498,"sentiment":"neutral","sentiment_score":0.18385383486747744},{"text":"Makes 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page.","start":520.21497,"end":520.775,"sentiment":"neutral","sentiment_score":0.011310662608593702},{"text":"14.","start":520.775,"end":521.275,"sentiment":"neutral","sentiment_score":0.02785399556159973}],"sentiment":"neutral","sentiment_score":0.014339475892484188,"channel":0,"num_words":5,"start":519.495,"end":521.275},{"sentences":[{"text":"Oh,","start":521.3,"end":521.45996,"sentiment":"neutral","sentiment_score":0.04455885291099548}],"sentiment":"neutral","sentiment_score":0.04455885291099548,"channel":1,"num_words":1,"start":521.3,"end":521.45996},{"sentences":[{"text":"Just","start":521.415,"end":521.65497,"sentiment":"neutral","sentiment_score":0.058722276240587234}],"sentiment":"neutral","sentiment_score":0.058722276240587234,"channel":0,"num_words":1,"start":521.415,"end":521.65497},{"sentences":[{"text":"yeah.","start":521.45996,"end":521.95996,"sentiment":"neutral","sentiment_score":0.07658733427524567}],"sentiment":"neutral","sentiment_score":0.07658733427524567,"channel":1,"num_words":1,"start":521.45996,"end":521.95996},{"sentences":[{"text":"at the top of that table.","start":521.65497,"end":522.95996,"sentiment":"neutral","sentiment_score":0.0671042650938034},{"text":"Yeah.","start":522.95996,"end":523.12,"sentiment":"neutral","sentiment_score":0.18398651480674744},{"text":"So","start":523.12,"end":523.62,"sentiment":"neutral","sentiment_score":0.3074111044406891}],"sentiment":"neutral","sentiment_score":0.11175290122628212,"channel":0,"num_words":8,"start":521.65497,"end":523.62},{"sentences":[{"text":"Yep.","start":523.54,"end":524.04,"sentiment":"positive","sentiment_score":0.4190770983695984}],"sentiment":"positive","sentiment_score":0.4190770983695984,"channel":1,"num_words":1,"start":523.54,"end":524.04},{"sentences":[{"text":"the difference there so it's estimated to only be about $240, which is pretty good.","start":523.68,"end":529.38,"sentiment":"positive","sentiment_score":0.430131866534551}],"sentiment":"positive","sentiment_score":0.430131866534551,"channel":0,"num_words":15,"start":523.68,"end":529.38},{"sentences":[{"text":"Okay.","start":529.965,"end":530.365,"sentiment":"neutral","sentiment_score":0.1541072428226471},{"text":"Yep.","start":530.365,"end":530.865,"sentiment":"neutral","sentiment_score":0.1626613438129425}],"sentiment":"neutral","sentiment_score":0.1583842933177948,"channel":1,"num_words":2,"start":529.965,"end":530.865},{"sentences":[{"text":"So, obviously, things do change a little bit based on, obviously, market prices, so it can fluctuate a little bit.","start":531.12,"end":537.525,"sentiment":"neutral","sentiment_score":-0.02142253629863262},{"text":"But it's estimated at that 240, which is obviously a lot less than 1,215.","start":537.685,"end":543.22504,"sentiment":"neutral","sentiment_score":-0.044245018590507765},{"text":"But, obviously, something I do want you to be aware of.","start":543.445,"end":546.585,"sentiment":"neutral","sentiment_score":-0.07069536772641269}],"sentiment":"neutral","sentiment_score":-0.040567334027340016,"channel":0,"num_words":45,"start":531.12,"end":546.585},{"sentences":[{"text":"Okay.","start":547.87,"end":548.37,"sentiment":"neutral","sentiment_score":0.025730257853865623}],"sentiment":"neutral","sentiment_score":0.025730257853865623,"channel":1,"num_words":1,"start":547.87,"end":548.37},{"sentences":[{"text":"Does","start":548.325,"end":548.565,"sentiment":"neutral","sentiment_score":0.027398739010095596}],"sentiment":"neutral","sentiment_score":0.027398739010095596,"channel":0,"num_words":1,"start":548.325,"end":548.565},{"sentences":[{"text":"Yep.","start":548.43,"end":548.93,"sentiment":"neutral","sentiment_score":0.03834521770477295}],"sentiment":"neutral","sentiment_score":0.03834521770477295,"channel":1,"num_words":1,"start":548.43,"end":548.93},{"sentences":[{"text":"that make sense?","start":548.565,"end":549.465,"sentiment":"neutral","sentiment_score":0.05748206004500389}],"sentiment":"neutral","sentiment_score":0.05748206004500389,"channel":0,"num_words":3,"start":548.565,"end":549.465},{"sentences":[{"text":"Yep.","start":549.805,"end":550.305,"sentiment":"neutral","sentiment_score":0.07665582746267319}],"sentiment":"neutral","sentiment_score":0.07665582746267319,"channel":1,"num_words":1,"start":549.805,"end":550.305},{"sentences":[{"text":"Yeah.","start":550.645,"end":551.04504,"sentiment":"neutral","sentiment_score":0.10339571535587312},{"text":"K.","start":551.04504,"end":551.28503,"sentiment":"neutral","sentiment_score":0.1632690727710724},{"text":"Perfect.","start":551.28503,"end":551.78503,"sentiment":"positive","sentiment_score":0.4236916303634643},{"text":"Now if you then scroll down to the next page, it says page 15.","start":552.325,"end":556.76,"sentiment":"neutral","sentiment_score":0.22538469465715544},{"text":"I have that included a little bit more in regards to the comparison between the two portfolios.","start":557.3,"end":562.12,"sentiment":"neutral","sentiment_score":0.21302400222596}],"sentiment":"neutral","sentiment_score":0.21962206416270313,"channel":0,"num_words":34,"start":550.645,"end":562.12},{"sentences":[{"text":"So you can see a twelve month, three years, a years, and a ten year comparison.","start":562.5,"end":567.895,"sentiment":"positive","sentiment_score":0.33610651828348637},{"text":"And you can see that across all time frames, the recommended portfolio has performed better than your current one, which is good.","start":568.515,"end":574.855,"sentiment":"positive","sentiment_score":0.46164762296459894}],"sentiment":"positive","sentiment_score":0.40878821046728836,"channel":0,"num_words":38,"start":562.5,"end":574.855},{"sentences":[{"text":"Yep.","start":576.22,"end":576.72,"sentiment":"neutral","sentiment_score":0.17491227388381958}],"sentiment":"neutral","sentiment_score":0.17491227388381958,"channel":1,"num_words":1,"start":576.22,"end":576.72},{"sentences":[{"text":"Yep.","start":576.995,"end":577.495,"sentiment":"neutral","sentiment_score":0.20180653035640717},{"text":"Perfect.","start":577.555,"end":578.055,"sentiment":"positive","sentiment_score":0.3840142488479614},{"text":"Now what those changes actually looks like is on page 16.","start":578.435,"end":583.79,"sentiment":"neutral","sentiment_score":0.1374814510345459},{"text":"So you should have a bit of an investment table there.","start":584.57,"end":587.79,"sentiment":"neutral","sentiment_score":0.0783649818463759},{"text":"Yep.","start":589.93,"end":590.43,"sentiment":"neutral","sentiment_score":0.04592284560203552}],"sentiment":"neutral","sentiment_score":0.12024217545986175,"channel":0,"num_words":25,"start":576.995,"end":590.43},{"sentences":[{"text":"So this can look a little bit messy, but, essentially, what it shows is, obviously, the investment name, so what they're called.","start":590.64996,"end":596.82996,"sentiment":"neutral","sentiment_score":0.023583645085719498},{"text":"There's kind of special little code.","start":597.02496,"end":598.945,"sentiment":"neutral","sentiment_score":0.03126215593268474},{"text":"You then have your current weight, so how much you have in each investment, what that looks like from a dollar value point of view, and then you have the buy and sell column.","start":598.945,"end":609.765,"sentiment":"neutral","sentiment_score":0.05698509623899179},{"text":"So on this column here, everything that's in red is what we are either selling or reducing exposure to.","start":610.14996,"end":617.69,"sentiment":"neutral","sentiment_score":0.0298691499782236},{"text":"What's in black is then either what we are adding to the portfolio or adding exposure Does that make sense?","start":618.55,"end":625.895,"sentiment":"neutral","sentiment_score":0.015028962446376682}],"sentiment":"neutral","sentiment_score":0.034772272258628126,"channel":0,"num_words":101,"start":590.64996,"end":625.895},{"sentences":[{"text":"Yep.","start":627.47003,"end":627.97003,"sentiment":"neutral","sentiment_score":0.06063569337129593},{"text":"Yep.","start":628.51,"end":629.01,"sentiment":"neutral","sentiment_score":0.07080033421516418}],"sentiment":"neutral","sentiment_score":0.06571801379323006,"channel":1,"num_words":2,"start":627.47003,"end":629.01},{"sentences":[{"text":"Yep.","start":628.59503,"end":628.995,"sentiment":"neutral","sentiment_score":0.09713266789913176},{"text":"Now you then have your target weight, so how much we wanna allocate to each option and then what that looks like on a dollar value.","start":628.995,"end":636.455,"sentiment":"neutral","sentiment_score":0.12385852004473026},{"text":"Now what it actually changes to your investment, it is making a couple of changes.","start":637.075,"end":638.20447,"sentiment":"neutral","sentiment_score":0.063216682523489},{"text":"So how we put together the portfolio,","start":638.20447,"end":639.025,"sentiment":"neutral","sentiment_score":0.020643537464950765}],"sentiment":"neutral","sentiment_score":0.09000426916671651,"channel":0,"num_words":49,"start":628.59503,"end":639.025},{"sentences":[{"text":"Sort 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I have included all the investment links through these investments as well.","start":919.83,"end":932.55505,"sentiment":"neutral","sentiment_score":0.22277326767261213},{"text":"So if it is something that you do wanna go and have a bit of a read over, all that information is there for you as well.","start":932.55505,"end":938.73505,"sentiment":"neutral","sentiment_score":0.22709327991361972}],"sentiment":"neutral","sentiment_score":0.23516439449261217,"channel":0,"num_words":68,"start":919.11005,"end":938.73505},{"sentences":[{"text":"Okay.","start":939.59,"end":939.99,"sentiment":"neutral","sentiment_score":0.28821295499801636},{"text":"Sounds good.","start":939.99,"end":940.73,"sentiment":"positive","sentiment_score":0.37382976710796356}],"sentiment":"positive","sentiment_score":0.34529082973798114,"channel":1,"num_words":3,"start":939.59,"end":940.73},{"sentences":[{"text":"Now on the next page, so page 17, 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the proposed, which is about $93.81 in growth, and then 6.19 in defensive.","start":1008.08997,"end":1022.405,"sentiment":"neutral","sentiment_score":0.0804707953085502},{"text":"So the proposed portfolio is slightly more in growth.","start":1022.865,"end":1026.005,"sentiment":"neutral","sentiment_score":0.08994545373651716},{"text":"Not too much, but both very much aligning with that high growth portfolio for you.","start":1026.7051,"end":1032.005,"sentiment":"neutral","sentiment_score":0.15218664904435475}],"sentiment":"neutral","sentiment_score":0.09600734282788392,"channel":0,"num_words":74,"start":1000.29504,"end":1032.005},{"sentences":[{"text":"Yep.","start":1033.545,"end":1033.9451,"sentiment":"neutral","sentiment_score":0.1315765380859375},{"text":"Makes 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the document.","start":1211.0801,"end":1220.765,"sentiment":"neutral","sentiment_score":0.2307090316269849}],"sentiment":"neutral","sentiment_score":0.24113760432645456,"channel":0,"num_words":67,"start":1201.955,"end":1220.765},{"sentences":[{"text":"It will be same as how you signed the annual review document.","start":1221.3049,"end":1224.105,"sentiment":"neutral","sentiment_score":0.23491727684934935},{"text":"It will just ask for digital signature and a date.","start":1224.105,"end":1226.765,"sentiment":"neutral","sentiment_score":0.2149541571736336},{"text":"Just that one in the document, and then it will automatically send it back to me, and that tells me that you are happy to go ahead with the recommendation.","start":1227.465,"end":1237.18,"sentiment":"positive","sentiment_score":0.3622169574101766}],"sentiment":"neutral","sentiment_score":0.3045203387737274,"channel":0,"num_words":52,"start":1221.3049,"end":1237.18},{"sentences":[{"text":"Yep.","start":1237.2899,"end":1237.37,"sentiment":"neutral","sentiment_score":0.2329319566488266},{"text":"Sounds","start":1237.37,"end":1237.69,"sentiment":"positive","sentiment_score":0.3376281261444092}],"sentiment":"neutral","sentiment_score":0.2852800413966179,"channel":1,"num_words":2,"start":1237.2899,"end":1237.69},{"sentences":[{"text":"Yep.","start":1237.5,"end":1237.9,"sentiment":"positive","sentiment_score":0.33977413177490234}],"sentiment":"positive","sentiment_score":0.33977413177490234,"channel":0,"num_words":1,"start":1237.5,"end":1237.9},{"sentences":[{"text":"good.","start":1237.69,"end":1238.19,"sentiment":"positive","sentiment_score":0.5134297013282776}],"sentiment":"positive","sentiment_score":0.5134297013282776,"channel":1,"num_words":1,"start":1237.69,"end":1238.19},{"sentences":[{"text":"Beautiful.","start":1237.9,"end":1238.4,"sentiment":"positive","sentiment_score":0.5607388615608215},{"text":"Now I do wanna let you know as well that the recommendation is only valid for a short period of time just to make sure, obviously, everything stays relevant for you.","start":1238.78,"end":1248.38,"sentiment":"neutral","sentiment_score":0.2578510041198423},{"text":"So it is valid for sixty days just so that you are aware, but that still gives you plenty of time to have a read over everything when you have a moment as well.","start":1248.38,"end":1256.705,"sentiment":"neutral","sentiment_score":0.27453235712121515}],"sentiment":"neutral","sentiment_score":0.2710336383545037,"channel":0,"num_words":66,"start":1237.9,"end":1256.705},{"sentences":[{"text":"Yep.","start":1257.035,"end":1257.355,"sentiment":"neutral","sentiment_score":0.2054085433483124},{"text":"Sounds good.","start":1257.355,"end":1257.915,"sentiment":"positive","sentiment_score":0.38401196897029877},{"text":"Plenty","start":1257.915,"end":1258.155,"sentiment":"neutral","sentiment_score":0.22599415481090543}],"sentiment":"neutral","sentiment_score":0.29985665902495384,"channel":1,"num_words":4,"start":1257.035,"end":1258.155},{"sentences":[{"text":"Yeah.","start":1258.045,"end":1258.545,"sentiment":"neutral","sentiment_score":0.2494041323661804}],"sentiment":"neutral","sentiment_score":0.2494041323661804,"channel":0,"num_words":1,"start":1258.045,"end":1258.545},{"sentences":[{"text":"of time.","start":1258.155,"end":1258.975,"sentiment":"neutral","sentiment_score":0.21075670421123505},{"text":"Yep.","start":1259.115,"end":1259.615,"sentiment":"neutral","sentiment_score":0.18859714269638064}],"sentiment":"neutral","sentiment_score":0.20337018370628357,"channel":1,"num_words":3,"start":1258.155,"end":1259.615},{"sentences":[{"text":"No worries.","start":1259.405,"end":1260.045,"sentiment":"neutral","sentiment_score":0.25442545115947723},{"text":"Well, I will let you go and get on with your afternoon.","start":1260.045,"end":1263.025,"sentiment":"neutral","sentiment_score":0.33046627541383106},{"text":"If there's anything else that you need at any point in time, don't hesitate to give me a call.","start":1263.165,"end":1267.88,"sentiment":"neutral","sentiment_score":0.22769199311733246},{"text":"Otherwise, I'll keep a lookout on my emails to see if that document comes through or what you decide that you would like to","start":1268.1,"end":1273.7999,"sentiment":"neutral","sentiment_score":0.07505659588302176}],"sentiment":"neutral","sentiment_score":0.18599916452117132,"channel":0,"num_words":57,"start":1259.405,"end":1273.7999},{"sentences":[{"text":"Okay.","start":1274.635,"end":1274.955,"sentiment":"neutral","sentiment_score":0.06005728617310524},{"text":"No","start":1274.955,"end":1275.275,"sentiment":"neutral","sentiment_score":0.08592508733272552}],"sentiment":"neutral","sentiment_score":0.07299118675291538,"channel":1,"num_words":2,"start":1274.635,"end":1275.275},{"sentences":[{"text":"do.","start":1275.22,"end":1275.72,"sentiment":"neutral","sentiment_score":0.02588130161166191}],"sentiment":"neutral","sentiment_score":0.02588130161166191,"channel":0,"num_words":1,"start":1275.22,"end":1275.72},{"sentences":[{"text":"problems.","start":1275.275,"end":1275.755,"sentiment":"neutral","sentiment_score":0.22623659670352936},{"text":"Sounds good.","start":1275.755,"end":1276.575,"sentiment":"positive","sentiment_score":0.6454112827777863}],"sentiment":"positive","sentiment_score":0.5056863874197006,"channel":1,"num_words":3,"start":1275.275,"end":1276.575},{"sentences":[{"text":"Okay.","start":1276.1,"end":1276.6,"sentiment":"positive","sentiment_score":0.34633776545524597},{"text":"No worries.","start":1276.82,"end":1277.2999,"sentiment":"positive","sentiment_score":0.36818838119506836},{"text":"Well, thank you so much for your time today, and I look forward to speaking with you soon again.","start":1277.2999,"end":1281.075,"sentiment":"positive","sentiment_score":0.7714778561341135}],"sentiment":"positive","sentiment_score":0.7154906270178881,"channel":0,"num_words":22,"start":1276.1,"end":1281.075},{"sentences":[{"text":"No problems.","start":1281.515,"end":1282.155,"sentiment":"positive","sentiment_score":0.5141614824533463},{"text":"Thank you very much.","start":1282.155,"end":1283.135,"sentiment":"positive","sentiment_score":0.7071188986301422}],"sentiment":"positive","sentiment_score":0.6427997599045435,"channel":1,"num_words":6,"start":1281.515,"end":1283.135},{"sentences":[{"text":"No worries.","start":1283.3949,"end":1284.0349,"sentiment":"neutral","sentiment_score":0.2430160492658615},{"text":"Just speak","start":1284.0349,"end":1284.4349,"sentiment":"neutral","sentiment_score":0.19492816179990768}],"sentiment":"neutral","sentiment_score":0.2189721055328846,"channel":0,"num_words":4,"start":1283.3949,"end":1284.4349},{"sentences":[{"text":"You're","start":1284.235,"end":1284.475,"sentiment":"neutral","sentiment_score":0.2601674199104309}],"sentiment":"neutral","sentiment_score":0.2601674199104309,"channel":1,"num_words":1,"start":1284.235,"end":1284.475},{"sentences":[{"text":"soon.","start":1284.4349,"end":1284.9349,"sentiment":"neutral","sentiment_score":0.28271377086639404}],"sentiment":"neutral","sentiment_score":0.28271377086639404,"channel":0,"num_words":1,"start":1284.4349,"end":1284.9349},{"sentences":[{"text":"welcome.","start":1284.475,"end":1284.975,"sentiment":"positive","sentiment_score":0.49149733781814575},{"text":"Yeah.","start":1285.275,"end":1285.775,"sentiment":"neutral","sentiment_score":0.279354453086853}],"sentiment":"positive","sentiment_score":0.3854258954524994,"channel":1,"num_words":2,"start":1284.475,"end":1285.775},{"sentences":[{"text":"Bye.","start":1285.635,"end":1286.135,"sentiment":"neutral","sentiment_score":0.2554163634777069}],"sentiment":"neutral","sentiment_score":0.2554163634777069,"channel":0,"num_words":1,"start":1285.635,"end":1286.135},{"sentences":[{"text":"Bye.","start":1286.395,"end":1286.895,"sentiment":"neutral","sentiment_score":-0.12490923702716827}],"sentiment":"neutral","sentiment_score":-0.12490923702716827,"channel":1,"num_words":1,"start":1286.395,"end":1286.895}]},"summary":{"result":"success","short":"Representatives from Oakview Financial provide investment recommendations to customers, emphasizing the importance of staying within Hub 24 and changing investments. They also recommend staying within the recommended portfolio and recommend keeping current portfolios at 10.75%. The speaker emphasizes the benefits of using Hub 24 and recommends making changes to the portfolio to make a significant difference in the customer's investment portfolio. They also provide information on asset allocation and beneficiary beneficiary coverage, and provide recommendations for a reduced fee structure and a recommendation for a read-through of the document."},"intents":{"segments":[{"text":"I had you booked in to go over the research I did on your super investments after we spoke last time. Is now still a good time for you?","start_word":19,"end_word":47,"intents":[{"intent":"Book call","confidence_score":0.0023701936}]},{"text":"And just for security purposes, could I please get you to confirm your full name, date of birth, and address for me, please? Yep.","start_word":92,"end_word":115,"intents":[{"intent":"Confirm name","confidence_score":0.024732118}]},{"text":"And now do you have access to your emails at the moment? Yeah. Yeah.","start_word":164,"end_word":177,"intents":[{"intent":"Access email","confidence_score":0.09311725}]},{"text":"So what I have done is I have send you an email outlining the recommendation, and it just makes it a bit easier for you if you can access that at the same time Mhmm. if you're able to get that up for me. Yep.","start_word":180,"end_word":224,"intents":[{"intent":"Provide recommendation","confidence_score":0.31501418}]},{"text":"So let me know if you can see the cover page, process statement of advice, and there's a pretty photo of the Gold Coast in the background. Yep.","start_word":226,"end_word":253,"intents":[{"intent":"Make statement of advice","confidence_score":0.0009484131}]},{"text":"Now on the cover page, you'll also see my details listed. You will also see my authorized representative number, and I am a licensed representative number, and I am a licensed under OTU Financial. Mhmm. Now if you want to scroll to the second page, it talks a little bit about the best interest you do. Do you remember ever hearing about this before? Yeah.","start_word":345,"end_word":409,"intents":[{"intent":"Guide users effectively","confidence_score":0.0014628312}]},{"text":"So with the recommendations, a part of the research as well is I did consider a lot of other alternative superannuation funds for you. It is always good to reassess every now and then just to make sure it's still the best option for you because there's always new products and features that comes out.","start_word":750,"end_word":804,"intents":[{"intent":"Discuss portfolio recommendations","confidence_score":0.00004187369}]},{"text":"Now with investments, obviously, you can't guarantee performance. You can't guarantee what's going to happen in the world and the market, but that is why we use a five year rolling average. So, basically, using a five year period of time and averaging that out on a yearly basis to give us a little bit more certainty of what has happened to the portfolio and the market as well.","start_word":1065,"end_word":1133,"intents":[{"intent":"Explain investment process","confidence_score":0.1530891}]},{"text":"Now if you then scroll down to the next page, it says page 15. I have that included a little bit more in regards to the comparison between the two portfolios. So you can see a twelve month, three years, a years, and a ten year comparison. And you can see that across all time frames, the recommended portfolio has performed better than your current one, which is good. Yep.","start_word":1539,"end_word":1608,"intents":[{"intent":"Compare portfolios","confidence_score":0.14622818}]},{"text":"So how we put together the portfolio, Sort of. before? Yeah. Yeah.","start_word":1780,"end_word":1791,"intents":[{"intent":"Reviewing portfolio structure","confidence_score":0.015348499}]},{"text":"Another one of your core investments that we have changed is that you had Benelon Australian equity in your portfolio, and I have recommended that we change that for the second one to the bottom, which is your beta shares Australia 200.","start_word":1890,"end_word":1931,"intents":[{"intent":"Changing investments","confidence_score":0.0010931819}]},{"text":"So, obviously, that kind of ETF structure, your Bennelong Australian equity is a managed fund.","start_word":2074,"end_word":2088,"intents":[{"intent":"Explaining investment structure","confidence_score":0.002019594}]},{"text":"So, obviously, that kind of ETF structure, your Bennelong Australian equity is a managed fund. So, obviously, the purpose behind that was to actively buy and sell different investments in order to outperform the market. So slightly different functions, but the BetterShares a 200 has performed a little bit better than the Bennelong.","start_word":2074,"end_word":2126,"intents":[{"intent":"Comparing investments","confidence_score":0.3378505}]},{"text":"So, obviously, the purpose behind that was to actively buy and sell different investments in order to outperform the market.","start_word":2089,"end_word":2108,"intents":[{"intent":"Specifying purpose","confidence_score":0.000022624597}]},{"text":"Obviously, a little bit smoother because it kind of just tracks that index for you as well, but still keeping things very diversified. Mhmm.","start_word":2128,"end_word":2151,"intents":[{"intent":"Track index","confidence_score":0.08465627}]},{"text":"Now you then have, obviously, your satellite investments. So these are the ones that's a little bit more specialized that can be a little bit more volatile, and they kind of target specific sectors, regions, or asset classes in order to kinda maximize growth.","start_word":2153,"end_word":2196,"intents":[{"intent":"Introduce investments","confidence_score":0.02281043}]},{"text":"Now you then have, obviously, your satellite investments. So these are the ones that's a little bit more specialized that can be a little bit more volatile, and they kind of target specific sectors, regions, or asset classes in order to kinda maximize growth. But because they can be a little bit more volatile, they only kind of represent a smaller portion of your portfolio as a result.","start_word":2153,"end_word":2220,"intents":[{"intent":"Provide investment portfolio","confidence_score":0.0041410094}]},{"text":"So these are the ones that's a little bit more specialized that can be a little bit more volatile, and they kind of target specific sectors, regions, or asset classes in order to kinda maximize growth.","start_word":2161,"end_word":2196,"intents":[{"intent":"Maximize growth","confidence_score":0.35764676}]},{"text":"instance, you can see, for example, the beta share cybersecurity, you already have that in your portfolio. It's just reducing it a little bit to 6% from 8.59%.","start_word":2240,"end_word":2267,"intents":[{"intent":"Reduce volatility","confidence_score":0.017167745}]},{"text":"We are swapping the satellite you had, the BetaShares India quality and health care and JPMorgan Global Research, and the RAFI Australia 200.","start_word":2268,"end_word":2290,"intents":[{"intent":"Swap satellite investments","confidence_score":0.8053315}]},{"text":"So what we have introduced is 9% into Europe, the iShares Europe, 5% into Japan, and then 8% into Vanguard or World.","start_word":2330,"end_word":2351,"intents":[{"intent":"Exclude ishares germany and japan","confidence_score":0.0000017939469}]},{"text":"So we're just introducing another fixed interest, the iShares core composite bond at 5%. Okay.","start_word":2453,"end_word":2467,"intents":[{"intent":"Introduce bond","confidence_score":0.018123012}]},{"text":"Any questions in regards through any of that, or it kind of makes sense?","start_word":2470,"end_word":2483,"intents":[{"intent":"Ask questions","confidence_score":0.023382738}]},{"text":"Now, obviously, if you wanted to do some more research yourself and also for that kind of transparency, so in the appendix, which is the second attachment, I have included all the investment links through these investments as well. So if it is something that you do wanna go and have a bit of a read over, all that information is there for you as well. Okay.","start_word":2495,"end_word":2561,"intents":[{"intent":"Include investment links","confidence_score":0.057784345},{"intent":"Provide information","confidence_score":0.0002103714}]},{"text":"can see a little section where it talks about the cash account. Can you see that?","start_word":2574,"end_word":2589,"intents":[{"intent":"Verify cash account information","confidence_score":0.00028354093}]},{"text":"Now I have then also included some information in regards to your beneficiary. Yep.","start_word":2831,"end_word":2844,"intents":[{"intent":"Include information","confidence_score":0.31680655}]},{"text":"The good thing with nominating a spouse is that it's tax free if something were to happen, which is really good. It also kind of bypassed the estate because superannuation does not form part of the estate otherwise. So it does make things a little bit smoother.","start_word":2894,"end_word":2940,"intents":[{"intent":"Ensure consistency in nomination selection","confidence_score":5.1328556e-7}]},{"text":"The type of nomination I have recommended, it is a binding, nonlapsing option.","start_word":2941,"end_word":2953,"intents":[{"intent":"Recommend choosing non-lasing option","confidence_score":0.011610618},{"intent":"Recommend incorporating non-lasing option","confidence_score":0.01011748}]},{"text":"The type of nomination I have recommended, it is a binding, nonlapsing option. Binding essentially means that it states the trustee, sorry, in this case, it was a trustee of sup of hub twenty four, are bound to follow your wishes. So it provides you with a lot more certainty.","start_word":2941,"end_word":2990,"intents":[{"intent":"Provide clarity on nomination process","confidence_score":0.0001132637}]},{"text":"So finding makes a lot more certain. Now you have them lapsing and non lapsing.","start_word":3042,"end_word":3056,"intents":[{"intent":"Provide preference for non-lasing option","confidence_score":0.00018076436}]},{"text":"The lapsing option means that it expires every three years, and you have to recomplete the forms every three Okay. Makes sense.","start_word":3104,"end_word":3125,"intents":[{"intent":"Instruct to update forms","confidence_score":0.0010462544}]},{"text":"Now I have also just included some information in regards to setting up a will and power of attorney. It is something I always recommend everyone to consider.","start_word":3134,"end_word":3161,"intents":[{"intent":"Explain will and power of attorney","confidence_score":0.005078921},{"intent":"Inform about recommendation","confidence_score":0.0011206653}]},{"text":"It is something I always recommend everyone to consider.","start_word":3153,"end_word":3161,"intents":[{"intent":"Recommend nomination","confidence_score":0.03604793}]},{"text":"So I have this included just some information in regards to setting up a will and power of attorney at the bottom of this document as well. Yep.","start_word":3163,"end_word":3190,"intents":[{"intent":"Set up will and power of attorney","confidence_score":0.47332743}]},{"text":"Now the last thing is the when it comes to their remuneration, so like I said during the under review, no changes whatsoever in regards to that fee structure for you. You are on that reduced couple fee of 1.1 from super, but no changes whatsoever in regards to that fee structure. There's no additional fees and charges for any of the advice or research with this segment of advice either, but it's all part of that ongoing service for you. Yep.","start_word":3193,"end_word":3274,"intents":[{"intent":"Discuss fee structure and fees","confidence_score":0.014599697},{"intent":"Discuss fee structure","confidence_score":0.016813235}]},{"text":"Now I do wanna let you know as well that the recommendation is only valid for a short period of time just to make sure, obviously, everything stays relevant for you. So it is valid for sixty days just so that you are aware, but that still gives you plenty of time to have a read over everything when you have a moment as well. Yep.","start_word":3430,"end_word":3495,"intents":[{"intent":"Confirm document validity","confidence_score":0.008570746}]},{"text":"Well, I will let you go and get on with your afternoon. If there's anything else that you need at any point in time, don't hesitate to give me a call.","start_word":3505,"end_word":3535,"intents":[{"intent":"Conclude call","confidence_score":0.015842227}]}]},"sentiments":{"segments":[{"text":"Good afternoon. This is Veronica from Oakview Financial. How are you?","start_word":0,"end_word":10,"sentiment":"neutral","sentiment_score":0.24187982082366943},{"text":"I'm good. How are you? I'm good. Thanks.","start_word":11,"end_word":18,"sentiment":"positive","sentiment_score":0.46625030040740967},{"text":"I had you booked in to go over the research I did on your super investments after we spoke last time. Is now still a good time for you? Yeah. Sure. Go ahead. Yep. Yeah.","start_word":19,"end_word":53,"sentiment":"neutral","sentiment_score":0.2601521909236908},{"text":"Beautiful.","start_word":54,"end_word":54,"sentiment":"positive","sentiment_score":0.4691007137298584},{"text":"Now just before I do go any further, just as per usual, just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay? Yep. That's fine. Yep. Perfect. And just for security purposes, could I please get you to confirm your full name, date of birth, and address for me, please? Yep. Yep. Full name is Zuzuha Mai. Date of birth is 11/12/1996. Yep. Address is 220 A Beachborough Road North Bayswater, Western Australia. Yep. Beautiful. And how your day been so far? I've been busy. No. No. Just relaxing. Days off. That's Nothing nice. much. Yeah. Oh, that's lovely. And now do you have access to your emails at the moment? Yeah. Yeah. Okay. Beautiful. So what I have done is I have send you an email outlining the recommendation, and it just makes it a bit easier for you if you can access that at the same time Mhmm. if you're able to get that up for me. Yep. Yep. So let me know if you can see the cover page, process statement of advice, and there's a pretty photo of the Gold Coast in the background. Yep. Yep. Yep.","start_word":55,"end_word":255,"sentiment":"neutral","sentiment_score":0.08274419605731964},{"text":"Beautiful.","start_word":256,"end_word":256,"sentiment":"positive","sentiment_score":0.3375377058982849},{"text":"Now every time we do make a recommendation, we have to put everything in a statement of advice just to make sure that you fully understand everything. So a lot of it is just for compliance. It's quite wordy. It's about 35 pages, but I will just go through the most important things with you. It is pretty straightforward today, but it is to allow you the opportunity to read over everything and make sure you fully understand everything before agreeing to anything. Okay? Mhmm. Yep.","start_word":257,"end_word":342,"sentiment":"neutral","sentiment_score":0.13685257369002632},{"text":"Yep. Beautiful.","start_word":343,"end_word":344,"sentiment":"positive","sentiment_score":0.5082064867019653},{"text":"Now on the cover page, you'll also see my details listed. You will also see my authorized representative number, and I am a licensed representative number, and I am a licensed under OTU Financial. Mhmm. Now if you want to scroll to the second page, it talks a little bit about the best interest you do. Do you remember ever hearing about this before? Yeah. Yeah. Yeah. Yep. Yep. Yep.","start_word":345,"end_word":414,"sentiment":"neutral","sentiment_score":0.0867501050233841},{"text":"Okay. Perfect.","start_word":415,"end_word":416,"sentiment":"positive","sentiment_score":0.47745633125305176},{"text":"So, yeah, basically, we have to make sure we always act in your best interest other than the advice puts you in a better position. Now as you scroll through, you'll see table of content. You will then see scope of advice on page three. Mhmm. Basically, what this talks about is just the areas we are looking at today. So simply today, we are just looking at your super, specifically your investments within your superannuation to see if we needed to make any tweaks and changes to anything to make sure we always have you in the best position to achieve your goals. And I have also just included some information in regards to estate planning.","start_word":417,"end_word":533,"sentiment":"neutral","sentiment_score":0.19561122357845304},{"text":"It is something I always recommend everyone to consider.","start_word":534,"end_word":542,"sentiment":"positive","sentiment_score":0.3594958782196045},{"text":"So I have included a bit of estate planning in the document for you to have a bit of a read over in your own time. But, otherwise, not making any changes or anything else. Literally, just just your and your investments. Mhmm. Yep. Yep. Now as you scroll through, you will see a a page about you. Just from the fact find, you will have your assets and liabilities listed. You will then have your current superannuation. And if you can stop on page nine where it talks about your risk profile. Mhmm. Yep. So, basically, this just shows you your your risk profile. So we are not making any changes whatsoever in regards to that risk profile. You are still in a high growth portfolio. It's still very much applicable to you. You have plenty of time until retirement to take advantage of those short term fluctuations in order to grow your super as much as possible.","start_word":543,"end_word":701,"sentiment":"neutral","sentiment_score":0.12115883082151412},{"text":"So we're not making any changes when it comes to your level of risk.","start_word":702,"end_word":715,"sentiment":"negative","sentiment_score":-0.4237571656703949},{"text":"Okay. Yep. Yep.","start_word":716,"end_word":718,"sentiment":"neutral","sentiment_score":0.1460587978363037},{"text":"Beautiful. Now if you wanna scroll down to page 11 for me, it then kind of highlights the recommendation.","start_word":719,"end_word":737,"sentiment":"positive","sentiment_score":0.3654366433620453},{"text":"So let me know if you can see that. Mhmm. Yep. Yep. So with the recommendations, a part of the research as well is I did consider a lot of other alternative superannuation funds for you. It is always good to reassess every now and then just to make sure it's still the best option for you because there's always new products and features that comes out.","start_word":738,"end_word":804,"sentiment":"neutral","sentiment_score":0.266406774520874},{"text":"So after doing research, I have recommended that you stay within Hub twenty four. It's still very competitive when it comes to their fees, their their features, and the available investment choices in comparison to a little bit of competitors. I do use Hub twenty four for my personal super as well. So I have recommended that we stay in Hub twenty four for you and literally just change a couple of your investments.","start_word":805,"end_word":878,"sentiment":"positive","sentiment_score":0.3961171507835388},{"text":"Mhmm. Yep. Yep. Now, basically, everything you scroll through puts it all into words, so you'll have advantages, some risks, disadvantages, and alternatives considered. I often find if you want to scroll through page 14, it kind of summarizes everything in a in a table to make it nice and easy. Yep. Yeah. So this table here basically puts puts everything or from, like, a a mathematical point of view and the numbers into it, which I often find is a bit easier to look at. But what I have recommended, like I said, is staying in hub twenty four and changing your investments. Now what that actually looks like, you can see here. So it's not making any changes to contributions. It's not adding insurances or anything like that. It's literally just changing your investments.","start_word":879,"end_word":1014,"sentiment":"neutral","sentiment_score":0.18905943632125857},{"text":"So by changing a couple of your investments around, it will save you about $488 per year in investment fees alone, which is pretty good.","start_word":1015,"end_word":1039,"sentiment":"positive","sentiment_score":0.5117216110229492},{"text":"Mhmm. Mhmm. Now when it comes to the performance as well, so you can see here I have compared the five year rolling average. Now with investments, obviously, you can't guarantee performance. You can't guarantee what's going to happen in the world and the market, but that is why we use a five year rolling average. So, basically, using a five year period of time and averaging that out on a yearly basis to give us a little bit more certainty of what has happened to the portfolio and the market as well. So using the same time frame, you can see your current portfolio has performed at about 10.26% and recommended at about 11.71. So it is still making a difference of about 1.45%. Not a massive difference, but it still makes a pretty big difference when we are then compounding everything for you. Does that make sense? Yep. Yep. Yep.","start_word":1040,"end_word":1191,"sentiment":"neutral","sentiment_score":0.11769890000945644},{"text":"Perfect.","start_word":1192,"end_word":1192,"sentiment":"positive","sentiment_score":0.5794237852096558},{"text":"Now underneath that, you can then see things projected forward for five and ten years.","start_word":1193,"end_word":1207,"sentiment":"neutral","sentiment_score":0.28589731454849243},{"text":"If we assume everything else stays the same for you and literally just changing a couple of investments around with the fee saving and the improved performance, it is making a difference of about 22,960, but those small little tweaks does make a pretty big difference when we are compounding things for you.","start_word":1208,"end_word":1260,"sentiment":"positive","sentiment_score":0.3777745664119721},{"text":"Yep. Makes sense. Yep. Yep.","start_word":1261,"end_word":1265,"sentiment":"neutral","sentiment_score":0.1786637306213379},{"text":"Perfect.","start_word":1266,"end_word":1266,"sentiment":"positive","sentiment_score":0.4441693127155304},{"text":"Now one thing I do wanna mention as well is that when it comes to making changes in a super environment through through investments, there will be capital gains tax associated with making changes sometimes. So similar to, like, if you were to sell an investment property, you have to pay capital gains tax on the earning when you sell it. The same is applicable for within superannuation. It's all taken care of within the superannuation environment, though. It's not something you have to pay for personally, and it's not something you ever have to declare on a tax return or anything like that. It is all within the super environment. Now if I were to sell all of your investments, the estimated capital gains tax would have been about 1,215. So, obviously, trying to minimize that as much as possible by still changing the investments that's going to put you in a better position. So if you look on the top table here where it says the balance, and you can see a difference of $240. Can you see that? Which page? Same page. Same page. 14. Oh, Just yeah. at the top of that table. Yeah.","start_word":1267,"end_word":1464,"sentiment":"neutral","sentiment_score":0.07261656140061942},{"text":"So Yep. the difference there so it's estimated to only be about $240, which is pretty good.","start_word":1465,"end_word":1481,"sentiment":"positive","sentiment_score":0.4228049516677856},{"text":"Okay. Yep. So, obviously, things do change a little bit based on, obviously, market prices, so it can fluctuate a little bit. But it's estimated at that 240, which is obviously a lot less than 1,215. But, obviously, something I do want you to be aware of. Okay. Does Yep. that make sense? Yep. Yeah. K.","start_word":1482,"end_word":1537,"sentiment":"neutral","sentiment_score":-0.0046512470580637455},{"text":"Perfect.","start_word":1538,"end_word":1538,"sentiment":"positive","sentiment_score":0.4236916303634643},{"text":"Now if you then scroll down to the next page, it says page 15. I have that included a little bit more in regards to the comparison between the two portfolios. So you can see a twelve month, three years, a years, and a ten year comparison.","start_word":1539,"end_word":1585,"sentiment":"neutral","sentiment_score":0.2636752128601074},{"text":"And you can see that across all time frames, the recommended portfolio has performed better than your current one, which is good.","start_word":1586,"end_word":1607,"sentiment":"positive","sentiment_score":0.4575580358505249},{"text":"Yep. Yep.","start_word":1608,"end_word":1609,"sentiment":"neutral","sentiment_score":0.18835940957069397},{"text":"Perfect.","start_word":1610,"end_word":1610,"sentiment":"positive","sentiment_score":0.3840142488479614},{"text":"Now what those changes actually looks like is on page 16. So you should have a bit of an investment table there. Yep. So this can look a little bit messy, but, essentially, what it shows is, obviously, the investment name, so what they're called. There's kind of special little code. You then have your current weight, so how much you have in each investment, what that looks like from a dollar value point of view, and then you have the buy and sell column. So on this column here, everything that's in red is what we are either selling or reducing exposure to. What's in black is then either what we are adding to the portfolio or adding exposure Does that make sense? Yep. Yep. Yep. Now you then have your target weight, so how much we wanna allocate to each option and then what that looks like on a dollar value. Now what it actually changes to your investment, it is making a couple of changes. So how we put together the portfolio, Sort of. before? Yeah. Yeah. Yeah. So, obviously, basically, we invest majority of the funds in your core, which kind of represents the backbone of your portfolio. So your core investments here, you can see are, like, the largest shareholding. So you can see, for example, the iShares S and P five hundred. So you already have that in your portfolio. It is just increasing the exposure a little bit from twenty four fifty three to 35.","start_word":1611,"end_word":1862,"sentiment":"neutral","sentiment_score":0.08919725567102432},{"text":"Obviously, this one here, it is very diversified. It does invest in the 500 largest companies listed in The US. So very good diversified option for you.","start_word":1863,"end_word":1889,"sentiment":"positive","sentiment_score":0.48784321546554565},{"text":"Another one of your core investments that we have changed is that you had Benelon Australian equity in your portfolio, and I have recommended that we change that for the second one to the bottom, which is your beta shares Australia 200. Now the Benelon Australian equity was the one I touched on during the annual review that was underperforming a little bit on that we wanted to do some research and look at potentially changing. So because we are removing an Australian investment, we obviously wanna make sure we still keep things very diversified for you and look at alternative Australian investments. Now the Mhmm. Betagis Australia two hundred works a little bit differently to the Benelung. So what it basically is have you heard of it before? Because I know you're Yeah. kind of Yeah. across It's one of yes. my current portfolio on my investment Oh, there as you go. well. Well, I Yep. won't waste so much time talking about that then. But, yeah, obviously, 200 companies, this company grows, gets bigger, added to it, and something smaller falls off. So, obviously, that kind of ETF structure, your Bennelong Australian equity is a managed fund. So, obviously, the purpose behind that was to actively buy and sell different investments in order to outperform the market. So slightly different functions, but the BetterShares a 200 has performed a little bit better than the Bennelong.","start_word":1890,"end_word":2126,"sentiment":"neutral","sentiment_score":0.04324333742260933},{"text":"Obviously, a little bit smoother because it kind of just tracks that index for you as well, but still keeping things very diversified.","start_word":2127,"end_word":2149,"sentiment":"positive","sentiment_score":0.35392388701438904},{"text":"Mhmm. Yep. Disconnected. Now you then have, obviously, your satellite investments. So these are the ones that's a little bit more specialized that can be a little bit more volatile, and they kind of target specific sectors, regions, or asset classes in order to kinda maximize growth. But because they can be a little bit more volatile, they only kind of represent a smaller portion of your portfolio as a result. So you can kind of see that they have a lot lower allocation through them. So in this Yes. instance, you can see, for example, the beta share cybersecurity, you already have that in your portfolio. It's just reducing it a little bit to 6% from 8.59%. We are swapping the satellite you had, the BetaShares India quality and health care and JPMorgan Global Research, and the RAFI Australia 200. And instead, we're introducing at the bottom there kind of different satellite investments.","start_word":2150,"end_word":2303,"sentiment":"neutral","sentiment_score":0.11435215175151824},{"text":"The purpose is to make sure we keep things very diversified, especially with today's kind of market while still giving you good kind of overall growth.","start_word":2304,"end_word":2329,"sentiment":"positive","sentiment_score":0.4900696575641632},{"text":"So what we have introduced is 9% into Europe, the iShares Europe, 5% into Japan, and then 8% into Vanguard or World. This one here excludes The US. You already have pretty good exposure to The US in the iShares S and P 500. We also wanna make sure you don't have too much market. So this one here is a kind of a very good, broad investment across the globe, but like I said, that's excludes The US. Yep.","start_word":2330,"end_word":2409,"sentiment":"neutral","sentiment_score":0.1269257515668869},{"text":"You still have gold in your portfolio. It basically says almost exactly the same from 7.04% to 7%.","start_word":2410,"end_word":2427,"sentiment":"positive","sentiment_score":0.3641985356807709},{"text":"And then when it comes to the defensive, we are changing the BetaShares Australia Bank hybrid. Power off. They are slowly spacing that one out. So we're just introducing another fixed interest, the iShares core composite bond at 5%. Okay. Yep. Any questions in regards through any of that, or it kind of makes sense? That kinda makes sense. Yeah. Yep.","start_word":2428,"end_word":2488,"sentiment":"neutral","sentiment_score":0.1576460670740878},{"text":"So much Perfect. question. Now good.","start_word":2489,"end_word":2494,"sentiment":"positive","sentiment_score":0.4652124047279358},{"text":"Now, obviously, if you wanted to do some more research yourself and also for that kind of transparency, so in the appendix, which is the second attachment, I have included all the investment links through these investments as well. So if it is something that you do wanna go and have a bit of a read over, all that information is there for you as well. Okay.","start_word":2495,"end_word":2561,"sentiment":"neutral","sentiment_score":0.22655153274536133},{"text":"Sounds good.","start_word":2562,"end_word":2563,"sentiment":"positive","sentiment_score":0.355765163898468},{"text":"Now on the next page, so page 17, you Yep. can see a little section where it talks about the cash account. Can you see that? Yep. Yeah. So, basically, it shows that with hub twenty four, they do have a minimum of 1.25% that has to be in cash. And that's just to make sure you have enough liquid money available for any fees and stuff associated with the account. But we obviously want to keep it as close to that 1.25 as we possibly can. Now, obviously, it does shift a little bit because when you do get contributions added to the account, it then obviously gets rebalanced. So there might be some slight period of times where until it gets rebalanced, it can be a little bit more. But we're trying to keep it obviously at that minimum 1.25 because the cash is not gonna grow near as much as your other investments. Yep. Makes sense. Yep. Yep. Perfect. Now almost at the end for you, but on the next page, it then talks about your asset allocation, which is page 18. Mhmm. Yep. Yep. So it basically shows you your risk profile, which is around that ninety ten mark, 90 growth, 10 defensive. You can see your existing portfolio, which is about 87.8 in growth, 12.20 in defensive, and then the proposed, which is about $93.81 in growth, and then 6.19 in defensive. So the proposed portfolio is slightly more in growth. Not too much, but both very much aligning with that high growth portfolio for you. Yep. Makes sense.","start_word":2564,"end_word":2827,"sentiment":"neutral","sentiment_score":0.06906753778457642},{"text":"Yep. Perfect. Perfect.","start_word":2828,"end_word":2830,"sentiment":"positive","sentiment_score":0.5889961123466492},{"text":"Now I have then also included some information in regards to your beneficiary. Yep. Now when we spoke last, I believe you mentioned that, obviously, for your superannuation, you wanted it to go to your partner if something were to happen to you. So Mhmm. I have included kind of the advantages some disadvantages to be mindful of and risks with a nomination.","start_word":2831,"end_word":2893,"sentiment":"neutral","sentiment_score":0.08740401268005371},{"text":"The good thing with nominating a spouse is that it's tax free if something were to happen, which is really good. It also kind of bypassed the estate because superannuation does not form part of the estate otherwise. So it does make things a little bit smoother.","start_word":2894,"end_word":2940,"sentiment":"positive","sentiment_score":0.6083267331123352},{"text":"The type of nomination I have recommended, it is a binding, nonlapsing option. Binding essentially means that it states the trustee, sorry, in this case, it was a trustee of sup of hub twenty four, are bound to follow your wishes.","start_word":2941,"end_word":2981,"sentiment":"neutral","sentiment_score":0.2765675485134125},{"text":"So it provides you with a lot more certainty.","start_word":2982,"end_word":2990,"sentiment":"positive","sentiment_score":0.4178186953067779},{"text":"The other option is nonbinding, which essentially just means that this is what you want to have happen. But at the end of the day, if the trustee has full discretion in determining if they feel that there's someone else better suitable to receive the money, if that makes sense. Yeah. So finding makes a lot more certain. Now you have them lapsing and non lapsing. Non lapsing, I have recommended. It basically means that it stays in place until you decide to change it. So if your situate situation ever changed, just have to obviously be mindful, and we'll have to update it. Otherwise, it stays in place until you change it. The lapsing option means that it expires every three years, and you have to recomplete the forms every three Okay. Makes sense. years. Yep. Yep. That's Yep. fine.","start_word":2991,"end_word":3131,"sentiment":"neutral","sentiment_score":0.10563847422599792},{"text":"Perfect.","start_word":3132,"end_word":3132,"sentiment":"positive","sentiment_score":0.4791207015514374},{"text":"Yep. Now I have also just included some information in regards to setting up a will and power of attorney.","start_word":3133,"end_word":3152,"sentiment":"neutral","sentiment_score":0.19023805856704712},{"text":"It is something I always recommend everyone to consider.","start_word":3153,"end_word":3161,"sentiment":"positive","sentiment_score":0.3612046241760254},{"text":"So I have this included just some information in regards to setting up a will and power of attorney at the bottom of this document as well. Yep. Okay.","start_word":3162,"end_word":3190,"sentiment":"neutral","sentiment_score":0.11788900941610336},{"text":"Yep. Perfect.","start_word":3191,"end_word":3192,"sentiment":"positive","sentiment_score":0.5279819369316101},{"text":"Now the last thing is the when it comes to their remuneration, so like I said during the under review, no changes whatsoever in regards to that fee structure for you. You are on that reduced couple fee of 1.1 from super, but no changes whatsoever in regards to that fee structure. There's no additional fees and charges for any of the advice or research with this segment of advice either, but it's all part of that ongoing service for you. Yep.","start_word":3193,"end_word":3274,"sentiment":"neutral","sentiment_score":0.23318736255168915},{"text":"Perfect. Cool.","start_word":3275,"end_word":3276,"sentiment":"positive","sentiment_score":0.5339808464050293},{"text":"Now do you have any questions for me or your thoughts on anything at this point? No. Not much question. Makes No? sense. Makes sense Yep. today. Messing strategies. Yep. Okay.","start_word":3277,"end_word":3307,"sentiment":"neutral","sentiment_score":0.0798804983496666},{"text":"Beautiful.","start_word":3308,"end_word":3308,"sentiment":"positive","sentiment_score":0.4486753344535827},{"text":"So, essentially, from here is, obviously, if you wanna take some time and have a read over the document, you are more than welcome to do so. If you do have a read over the document or you don't have any questions or you are happy to go ahead with the recommendation, to then move forward, it would just be to sign, the document. It will be same as how you signed the annual review document. It will just ask for digital signature and a date.","start_word":3309,"end_word":3394,"sentiment":"neutral","sentiment_score":0.2371164709329605},{"text":"Just that one in the document, and then it will automatically send it back to me, and that tells me that you are happy to go ahead with the recommendation.","start_word":3395,"end_word":3424,"sentiment":"positive","sentiment_score":0.3600411117076874},{"text":"Yep.","start_word":3425,"end_word":3425,"sentiment":"neutral","sentiment_score":0.2329319566488266},{"text":"Sounds Yep. good. Beautiful.","start_word":3426,"end_word":3429,"sentiment":"positive","sentiment_score":0.4381609559059143},{"text":"Now I do wanna let you know as well that the recommendation is only valid for a short period of time just to make sure, obviously, everything stays relevant for you. So it is valid for sixty days just so that you are aware, but that still gives you plenty of time to have a read over everything when you have a moment as well. Yep.","start_word":3430,"end_word":3495,"sentiment":"neutral","sentiment_score":0.26464807987213135},{"text":"Sounds good.","start_word":3496,"end_word":3497,"sentiment":"positive","sentiment_score":0.3752807080745697},{"text":"Plenty Yeah. of time. Yep. No worries. Well, I will let you go and get on with your afternoon. If there's anything else that you need at any point in time, don't hesitate to give me a call. Otherwise, I'll keep a lookout on my emails to see if that document comes through or what you decide that you would like to Okay. No do. problems.","start_word":3498,"end_word":3563,"sentiment":"neutral","sentiment_score":0.17987155733686505},{"text":"Sounds good. Okay. No worries. Well, thank you so much for your time today, and I look forward to speaking with you soon again. No problems. Thank you very much.","start_word":3564,"end_word":3593,"sentiment":"positive","sentiment_score":0.6709015369415283},{"text":"No worries. Just speak You're soon.","start_word":3594,"end_word":3599,"sentiment":"neutral","sentiment_score":0.2475961297750473},{"text":"welcome.","start_word":3600,"end_word":3600,"sentiment":"positive","sentiment_score":0.49149733781814575},{"text":"Yeah. Bye. Bye.","start_word":3601,"end_word":3603,"sentiment":"neutral","sentiment_score":0.22697202861309052}],"average":{"sentiment":"neutral","sentiment_score":0.16739276180446708}}}}