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It's Ricardo. Is Dana available, please? Yep. Date of birth is 04/22/1983.\n\nAddress is 15 On Back Court, Timberlake, Queensland. Okay. Hi, Dan. It's Ricardo. How are you?\n\nOh, good. Yeah. I just got I got your message before. So yeah. Just probably switching some of the I'm not sure exactly, excuse me, what you've got in the way of, like, in the hub 24 thing.\n\nBut if I can sort of concentrate probably a bit more on precious metals instead of whatever else stuff is in there. I'm not really sure. I haven't looked at the whole thing, but probably stuff that's not doing as well. I'd probably rather just go into precious metals for a bit. Yep.\n\nYeah. I could do that. Yep. Yeah. Yep.\n\nThat's okay. Yeah. I am. He's bloody he's lucky. He doesn't have to anymore.\n\nBut Yeah. Yep. That's fine. Okay. No problem, Dana.\n\nAlright. Cheers. No problem. Thank you. Okay.\n\nYou too. See you. 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Oakview Financial. You're speaking with Jordan. Yeah. If you just give me one second. So our system is just taking a while this morning to wake up. You listed it to e t p a. Can I just grab your for security, can I just grab your date of birth, please, and the address we'd have on file? Okay. Thank you. Just bear with me one sec. Thanks. Welcome to Oakview Financial. At Oakview Financial, we use an innovative model of trust and long term holistic advice, revolutionizing the way financial planning is done. Our team is comprised of highly skilled, transparent financial experts, and our vision is to become the most trusted household name in financial planning throughout Australia. We thank you for your patience today and look forward to hearing how we can help you on your journey to reaching your financial goals. Good morning. This is Dana. I'm good. How are you today? All good. Yeah. You're right. How that's okay. That's not a problem. We just had you booked in. You'd sort of made contact that you're still looking to maybe add a bit more in the way of precious metals to your dad's portfolio. Was that still something you're sort of after looking at? Or yeah. Yes. That's it. It. Yep. Yeah. No. That's yeah. Okay. No. That's okay. So what we can look at doing is if you wanted to, I could send through maybe a portfolio report to you guys to show you what essentially you do have in there. Your dad does have a bit of physical gold in there, currently about 12.8% physical gold, and it has been doing really, really well. Most of his the rest of his portfolio is still doing really well as well. The only thing that's down at the moment is the BetaShares cash ETF, which I'd be kind of inclined not to remove because that is looking at cash investments. And because he's in pension phase and he's drawing down on that, we still wanna have some cash access and some cash investments for a lowering the risk, but also because he is drawing out money. The only other things in there that are not performing as well or are down a little bit at the moment are the BetaShares cybersecurity and the core composite bond. So the cybersecurity is more of a growth investment, so we could look at maybe removing that and adding some precious metals into that or even reducing some of that back if you wanted to. And the beta share sorry. The iShares core composite bond, that's essentially bonds for defensive investments, and bonds will provide a lower level of return when, say, growth investments like shares are doing quite well. Other than that, everything is up at the moment. But did you want me to maybe just start by sending you a portfolio report so you can see where the funds are invested? And then we can kind of you can let me know if there's something you would like to have removed out of there. If you yeah. All good. Just so you are fully aware, if you guys decide that you know, because Mario does need to sign off and make the decision as well, so have a chat to him about it and make sure that he is comfortable doing this. Essentially, there are one of two ways. If there is something that you wanna specifically sell and have moved into, say, a certain precious metal, you can do it without advice, and we can do it as a transaction only. There is the risk there that we are increasing the growth investments. We may overexpose him to more risk in doing so, but you can just make that direction and tell us that's what you wanna do. And we have him sign off on a transaction without advice knowing the risks involved to do that. Alternatively, if there's something you want me to have a look at and maybe try to readjust the portfolio, I can do so under personal advice. And that's just updating the advice document to reflect what you just wanna have added in if we can add it in and maybe alter the portfolio so we're not overexposing him to any certain degree of risk and still keeping him, you know, fairly in in a portfolio that's gonna generate income as well to help those pension payments. So if you want, I can pop that into an email with a portfolio report. You can have a look at that, have a chat to your dad, and let me know what you wanna do moving forward. Is that okay, Ricardo? Yeah. Beautiful. All good. Are you at work at the moment? Yeah. These are diet. Yeah. No. That's okay. Well, if you want, we can start by that, and then you'll also have my email. So you can email me back with any questions you have or what you wanna do, and then we can kinda just converse and go from there and make a plan to move forward however you prefer. Is that okay? Yeah? All good. That way, you don't have to make any decisions now. You've got some time to think it over, and I'll give you that information in writing to make it a bit easier for you. Okay. Easy. No problem. Thanks for returning my call, Ricardo. I hope you have a good day. No worries. 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morning. Oakview Financial. You're speaking with Jordan. Yeah. If you just give me one second.\n\nSo our system is just taking a while this morning to wake up. You listed it to e t p a. Can I just grab your for security, can I just grab your date of birth, please, and the address we'd have on file? Okay. Thank you.\n\nJust bear with me one sec. Thanks. Welcome to Oakview Financial. At Oakview Financial, we use an innovative model of trust and long term holistic advice, revolutionizing the way financial planning is done. Our team is comprised of highly skilled, transparent financial experts, and our vision is to become the most trusted household name in financial planning throughout Australia.\n\nWe thank you for your patience today and look forward to hearing how we can help you on your journey to reaching your financial goals. Good morning. This is Dana. I'm good. How are you today?\n\nAll good. Yeah. You're right. How that's okay. That's not a problem.\n\nWe just had you booked in. You'd sort of made contact that you're still looking to maybe add a bit more in the way of precious metals to your dad's portfolio. Was that still something you're sort of after looking at? Or yeah. Yes.\n\nThat's it. It. Yep. Yeah. No.\n\nThat's yeah. Okay. No. That's okay. So what we can look at doing is if you wanted to, I could send through maybe a portfolio report to you guys to show you what essentially you do have in there.\n\nYour dad does have a bit of physical gold in there, currently about 12.8% physical gold, and it has been doing really, really well. Most of his the rest of his portfolio is still doing really well as well. The only thing that's down at the moment is the BetaShares cash ETF, which I'd be kind of inclined not to remove because that is looking at cash investments. And because he's in pension phase and he's drawing down on that, we still wanna have some cash access and some cash investments for a lowering the risk, but also because he is drawing out money. The only other things in there that are not performing as well or are down a little bit at the moment are the BetaShares cybersecurity and the core composite bond.\n\nSo the cybersecurity is more of a growth investment, so we could look at maybe removing that and adding some precious metals into that or even reducing some of that back if you wanted to. And the beta share sorry. The iShares core composite bond, that's essentially bonds for defensive investments, and bonds will provide a lower level of return when, say, growth investments like shares are doing quite well. Other than that, everything is up at the moment. But did you want me to maybe just start by sending you a portfolio report so you can see where the funds are invested?\n\nAnd then we can kind of you can let me know if there's something you would like to have removed out of there. If you yeah. All good. Just so you are fully aware, if you guys decide that you know, because Mario does need to sign off and make the decision as well, so have a chat to him about it and make sure that he is comfortable doing this. Essentially, there are one of two ways.\n\nIf there is something that you wanna specifically sell and have moved into, say, a certain precious metal, you can do it without advice, and we can do it as a transaction only. There is the risk there that we are increasing the growth investments. We may overexpose him to more risk in doing so, but you can just make that direction and tell us that's what you wanna do. And we have him sign off on a transaction without advice knowing the risks involved to do that. Alternatively, if there's something you want me to have a look at and maybe try to readjust the portfolio, I can do so under personal advice.\n\nAnd that's just updating the advice document to reflect what you just wanna have added in if we can add it in and maybe alter the portfolio so we're not overexposing him to any certain degree of risk and still keeping him, you know, fairly in in a portfolio that's gonna generate income as well to help those pension payments. So if you want, I can pop that into an email with a portfolio report. You can have a look at that, have a chat to your dad, and let me know what you wanna do moving forward. Is that okay, Ricardo? Yeah.\n\nBeautiful. All good. Are you at work at the moment? Yeah. These are diet.\n\nYeah. No. That's okay. Well, if you want, we can start by that, and then you'll also have my email. So you can email me back with any questions you have or what you wanna do, and then we can kinda just converse and go from there and make a plan to move forward however you prefer.\n\nIs that okay? Yeah? All good. That way, you don't have to make any decisions now. You've got some time to think it over, and I'll give you that information in writing to make it a bit easier for you.\n\nOkay. Easy. No problem. Thanks for returning my call, Ricardo. I hope you have a good day.\n\nNo worries. See you later.","paragraphs":[{"sentences":[{"text":"Good morning.","start":1.92,"end":2.48,"sentiment":"neutral","sentiment_score":0.19848575443029404},{"text":"Oakview Financial.","start":2.48,"end":3.36,"sentiment":"neutral","sentiment_score":0.09634716063737869},{"text":"You're speaking with Jordan.","start":3.36,"end":4.5,"sentiment":"neutral","sentiment_score":0.04651570413261652},{"text":"Yeah.","start":8.72,"end":8.96,"sentiment":"neutral","sentiment_score":0.010829178616404532},{"text":"If you just give me one second.","start":8.96,"end":11.62,"sentiment":"neutral","sentiment_score":-0.003961299413016864}],"sentiment":"neutral","sentiment_score":0.047426795586943626,"num_words":16,"start":1.92,"end":11.62},{"sentences":[{"text":"So our system is just taking a while this morning to wake up.","start":15.679999,"end":19.675,"sentiment":"neutral","sentiment_score":-0.025764858206877343},{"text":"You listed it to e t p a.","start":33.07,"end":35.23,"sentiment":"neutral","sentiment_score":0.006149997760076076},{"text":"Can I just grab your for security, can I just grab your date of birth, please, and the address we'd have on file?","start":35.23,"end":42.77,"sentiment":"neutral","sentiment_score":0.017927604201047317},{"text":"Okay.","start":50.205,"end":50.685,"sentiment":"neutral","sentiment_score":0.09609617292881012},{"text":"Thank you.","start":50.685,"end":51.585,"sentiment":"neutral","sentiment_score":0.3066687732934952}],"sentiment":"neutral","sentiment_score":0.01778777535172536,"num_words":47,"start":15.679999,"end":51.585},{"sentences":[{"text":"Just bear with me one sec.","start":52.525,"end":54.065,"sentiment":"neutral","sentiment_score":0.1174391433596611},{"text":"Thanks.","start":55.325,"end":55.825,"sentiment":"neutral","sentiment_score":0.31671008467674255},{"text":"Welcome to Oakview Financial.","start":61.93,"end":63.949997,"sentiment":"positive","sentiment_score":0.3807530403137207},{"text":"At Oakview Financial, we use an innovative model of trust and long term holistic advice, revolutionizing the way financial planning is done.","start":64.409996,"end":73.565,"sentiment":"positive","sentiment_score":0.4232052225958217},{"text":"Our team is comprised of highly skilled, transparent financial experts, and our vision is to become the most trusted household name in financial planning throughout Australia.","start":73.784996,"end":84.685,"sentiment":"positive","sentiment_score":0.4556753463470019}],"sentiment":"positive","sentiment_score":0.40173611878338505,"num_words":59,"start":52.525,"end":84.685},{"sentences":[{"text":"We thank you for your patience today and look forward to hearing how we can help you on your journey to reaching your financial goals.","start":85.55,"end":92.05,"sentiment":"positive","sentiment_score":0.6532150721549987},{"text":"Good morning.","start":93.630005,"end":94.270004,"sentiment":"neutral","sentiment_score":0.26362594962120056},{"text":"This is Dana.","start":94.270004,"end":95.090004,"sentiment":"neutral","sentiment_score":0.1791180670261383},{"text":"I'm good.","start":97.55,"end":98.11,"sentiment":"positive","sentiment_score":0.3678756505250931},{"text":"How are you today?","start":98.11,"end":99.25,"sentiment":"neutral","sentiment_score":0.30100449174642563}],"sentiment":"positive","sentiment_score":0.5370764492286576,"num_words":36,"start":85.55,"end":99.25},{"sentences":[{"text":"All good.","start":102.085,"end":102.825005,"sentiment":"neutral","sentiment_score":0.23716207593679428},{"text":"Yeah.","start":103.445,"end":103.765,"sentiment":"neutral","sentiment_score":0.09542766958475112},{"text":"You're right.","start":103.765,"end":104.405,"sentiment":"neutral","sentiment_score":0.08222570270299911},{"text":"How that's okay.","start":104.405,"end":107.125,"sentiment":"neutral","sentiment_score":0.08525439848502477},{"text":"That's not a problem.","start":107.125,"end":107.845,"sentiment":"neutral","sentiment_score":0.18227232992649078}],"sentiment":"neutral","sentiment_score":0.14325464516878128,"num_words":12,"start":102.085,"end":107.845},{"sentences":[{"text":"We just had you booked in.","start":107.845,"end":108.805,"sentiment":"neutral","sentiment_score":0.10085517416397731},{"text":"You'd sort of made contact that you're still looking to maybe add a bit more in the way of precious metals to your dad's portfolio.","start":108.805,"end":114.85,"sentiment":"neutral","sentiment_score":0.05035649597644806},{"text":"Was that still something you're sort of after looking at?","start":114.85,"end":117.009995,"sentiment":"neutral","sentiment_score":-0.0010721133090555667},{"text":"Or yeah.","start":117.009995,"end":119.829994,"sentiment":"neutral","sentiment_score":-0.04492121562361717},{"text":"Yes.","start":126.28999,"end":126.77,"sentiment":"neutral","sentiment_score":-0.018807753920555115}],"sentiment":"neutral","sentiment_score":0.03965163923038,"num_words":44,"start":107.845,"end":126.77},{"sentences":[{"text":"That's it.","start":126.77,"end":127.245,"sentiment":"neutral","sentiment_score":-0.043100517243146896},{"text":"It.","start":140.685,"end":140.765,"sentiment":"neutral","sentiment_score":-0.08224207907915115},{"text":"Yep.","start":140.765,"end":141.265,"sentiment":"neutral","sentiment_score":-0.07784964889287949},{"text":"Yeah.","start":142.285,"end":142.685,"sentiment":"neutral","sentiment_score":-0.1012083888053894},{"text":"No.","start":142.685,"end":142.845,"sentiment":"neutral","sentiment_score":-0.1705082505941391}],"sentiment":"neutral","sentiment_score":-0.08633490030964215,"num_words":6,"start":126.77,"end":142.845},{"sentences":[{"text":"That's yeah.","start":142.845,"end":144.68001,"sentiment":"neutral","sentiment_score":-0.265805184841156},{"text":"Okay.","start":147.78,"end":148.18001,"sentiment":"neutral","sentiment_score":-0.030660178512334824},{"text":"No.","start":148.18001,"end":148.42,"sentiment":"neutral","sentiment_score":-0.13257695734500885},{"text":"That's okay.","start":148.42,"end":148.82,"sentiment":"neutral","sentiment_score":0.0247866827994585},{"text":"So what we can look at doing is if you wanted to, I could send through maybe a portfolio report to you guys to show you what essentially you do have in there.","start":148.82,"end":156.435,"sentiment":"neutral","sentiment_score":0.21213369703654086}],"sentiment":"neutral","sentiment_score":0.16295225287859255,"num_words":39,"start":142.845,"end":156.435},{"sentences":[{"text":"Your dad does have a bit of physical gold in there, currently about 12.8% physical gold, and it has been doing really, really well.","start":156.675,"end":164.295,"sentiment":"positive","sentiment_score":0.4649682901799679},{"text":"Most of his the rest of his portfolio is still doing really well as well.","start":164.755,"end":168.375,"sentiment":"positive","sentiment_score":0.5921445488929749},{"text":"The only thing that's down at the moment is the BetaShares cash ETF, which I'd be kind of inclined not to remove because that is looking at cash investments.","start":168.69,"end":179.03,"sentiment":"neutral","sentiment_score":-0.16863915581127692},{"text":"And because he's in pension phase and he's drawing down on that, we still wanna have some cash access and some cash investments for a lowering the risk, but also because he is drawing out money.","start":179.09,"end":189.585,"sentiment":"neutral","sentiment_score":-0.07646825992398792},{"text":"The only other things in there that are not performing as well or are down a little bit at the moment are the BetaShares cybersecurity and the core composite bond.","start":190.445,"end":200.73999,"sentiment":"neutral","sentiment_score":-0.18031753450632096}],"sentiment":"neutral","sentiment_score":0.05215289766219125,"num_words":134,"start":156.675,"end":200.73999},{"sentences":[{"text":"So the cybersecurity is more of a growth investment, so we could look at maybe removing that and adding some precious metals into that or even reducing some of that back if you wanted to.","start":200.73999,"end":210.36,"sentiment":"neutral","sentiment_score":-0.10831488519906998},{"text":"And the beta share sorry.","start":211.45999,"end":213.795,"sentiment":"neutral","sentiment_score":-0.04993841573596001},{"text":"The iShares core composite bond, that's essentially bonds for defensive investments, and bonds will provide a lower level of return when, say, growth investments like shares are doing quite well.","start":213.795,"end":224.455,"sentiment":"neutral","sentiment_score":0.03885410608102878},{"text":"Other than that, everything is up at the moment.","start":225.08,"end":227.40001,"sentiment":"neutral","sentiment_score":0.014098885986540053},{"text":"But did you want me to maybe just start by sending you a portfolio report so you can see where the funds are invested?","start":227.40001,"end":232.94,"sentiment":"neutral","sentiment_score":0.03624864062294364}],"sentiment":"neutral","sentiment_score":-0.018235267275600757,"num_words":103,"start":200.73999,"end":232.94},{"sentences":[{"text":"And then we can kind of you can let me know if there's something you would like to have removed out of there.","start":233.64,"end":238.38,"sentiment":"neutral","sentiment_score":-0.011656570774705513},{"text":"If you yeah.","start":239.08,"end":241.125,"sentiment":"neutral","sentiment_score":0.11233293637633324},{"text":"All good.","start":241.125,"end":241.785,"sentiment":"positive","sentiment_score":0.41306059062480927},{"text":"Just so you are fully aware, if you guys decide that you know, because Mario does need to sign off and make the decision as well, so have a chat to him about it and make sure that he is comfortable doing this.","start":241.925,"end":251.38501,"sentiment":"neutral","sentiment_score":0.009648176040067229},{"text":"Essentially, there are one of two ways.","start":251.81001,"end":253.33,"sentiment":"neutral","sentiment_score":-0.015273716034633773}],"sentiment":"neutral","sentiment_score":0.01542274897488264,"num_words":78,"start":233.64,"end":253.33},{"sentences":[{"text":"If there is something that you wanna specifically sell and have moved into, say, a certain precious metal, you can do it without advice, and we can do it as a transaction only.","start":253.33,"end":263.43,"sentiment":"neutral","sentiment_score":-0.08529311915238698},{"text":"There is the risk there that we are increasing the growth investments.","start":263.995,"end":266.875,"sentiment":"neutral","sentiment_score":-0.04421910550445318},{"text":"We may overexpose him to more risk in doing so, but you can just make that direction and tell us that's what you wanna do.","start":266.875,"end":273.275,"sentiment":"neutral","sentiment_score":-0.02096320450305939},{"text":"And we have him sign off on a transaction without advice knowing the risks involved to do that.","start":273.275,"end":278.16,"sentiment":"neutral","sentiment_score":-0.010251049780183367},{"text":"Alternatively, if there's something you want me to have a look at and maybe try to readjust the portfolio, I can do so under personal advice.","start":278.4,"end":285.46,"sentiment":"neutral","sentiment_score":0.027682688015584763}],"sentiment":"neutral","sentiment_score":-0.029246941388568336,"num_words":114,"start":253.33,"end":285.46},{"sentences":[{"text":"And that's just updating the advice document to reflect what you just wanna have added in if we can add it in and maybe alter the portfolio so we're not overexposing him to any certain degree of risk and still keeping him, you know, fairly in in a portfolio that's gonna generate income as well to help those pension payments.","start":285.76,"end":303.655,"sentiment":"neutral","sentiment_score":0.08173387876401345},{"text":"So if you want, I can pop that into an email with a portfolio report.","start":303.655,"end":308.09003,"sentiment":"neutral","sentiment_score":0.07161327103773753},{"text":"You can have a look at that, have a chat to your dad, and let me know what you wanna do moving forward.","start":308.09003,"end":312.09003,"sentiment":"neutral","sentiment_score":0.1078004046626713},{"text":"Is that okay, Ricardo?","start":312.09003,"end":313.31,"sentiment":"neutral","sentiment_score":0.06393404491245747},{"text":"Yeah.","start":315.21002,"end":315.71002,"sentiment":"neutral","sentiment_score":0.2077949494123459}],"sentiment":"neutral","sentiment_score":0.08661332259913093,"num_words":103,"start":285.76,"end":315.71002},{"sentences":[{"text":"Beautiful.","start":315.77002,"end":316.27002,"sentiment":"positive","sentiment_score":0.4285142719745636},{"text":"All good.","start":316.57,"end":316.89,"sentiment":"positive","sentiment_score":0.34305496513843536},{"text":"Are you at work at the moment?","start":316.89,"end":318.43002,"sentiment":"neutral","sentiment_score":0.05573626873748643},{"text":"Yeah.","start":320.945,"end":321.445,"sentiment":"neutral","sentiment_score":-0.0016495604068040848},{"text":"These are diet.","start":321.505,"end":322.405,"sentiment":"neutral","sentiment_score":-0.051999593153595924}],"sentiment":"neutral","sentiment_score":0.09622355311044625,"num_words":14,"start":315.77002,"end":322.405},{"sentences":[{"text":"Yeah.","start":323.185,"end":323.685,"sentiment":"neutral","sentiment_score":-0.002565043978393078},{"text":"No.","start":324.465,"end":324.625,"sentiment":"neutral","sentiment_score":-0.016138538718223572},{"text":"That's okay.","start":324.625,"end":325.185,"sentiment":"neutral","sentiment_score":0.03131970763206482},{"text":"Well, if you want, we can start by that, and then you'll also have my email.","start":325.185,"end":328.865,"sentiment":"neutral","sentiment_score":0.12360534723848104},{"text":"So you can email me back with any questions you have or what you wanna do, and then we can kinda just converse and go from there and make a plan to move forward however you prefer.","start":328.865,"end":337.74,"sentiment":"neutral","sentiment_score":0.16900438352211103}],"sentiment":"neutral","sentiment_score":0.14517164173160205,"num_words":57,"start":323.185,"end":337.74},{"sentences":[{"text":"Is that okay?","start":337.74,"end":338.63998,"sentiment":"neutral","sentiment_score":0.11615403989950816},{"text":"Yeah?","start":340.38,"end":340.69998,"sentiment":"neutral","sentiment_score":0.2623329162597656},{"text":"All good.","start":340.69998,"end":341.25998,"sentiment":"positive","sentiment_score":0.46143995225429535},{"text":"That way, you don't have to make any decisions now.","start":341.25998,"end":343.18,"sentiment":"positive","sentiment_score":0.3846500366926193},{"text":"You've got some time to think it over, and I'll give you that information in writing to make it a bit easier for you.","start":343.18,"end":348.24,"sentiment":"positive","sentiment_score":0.40722373003760975}],"sentiment":"positive","sentiment_score":0.3788386207073927,"num_words":40,"start":337.74,"end":348.24},{"sentences":[{"text":"Okay.","start":348.675,"end":349.175,"sentiment":"neutral","sentiment_score":0.12457996606826782},{"text":"Easy.","start":350.675,"end":351.175,"sentiment":"positive","sentiment_score":0.38107073307037354},{"text":"No problem.","start":351.635,"end":352.275,"sentiment":"neutral","sentiment_score":0.32657095789909363},{"text":"Thanks for returning my call, Ricardo.","start":352.275,"end":353.875,"sentiment":"positive","sentiment_score":0.46442873279253644},{"text":"I hope you have a good day.","start":353.875,"end":355.335,"sentiment":"neutral","sentiment_score":0.2761632204055786}],"sentiment":"positive","sentiment_score":0.34579456203124104,"num_words":17,"start":348.675,"end":355.335},{"sentences":[{"text":"No worries.","start":355.475,"end":356.29498,"sentiment":"neutral","sentiment_score":0.08841941133141518},{"text":"See you later.","start":356.835,"end":357.655,"sentiment":"neutral","sentiment_score":0.11363545308510463}],"sentiment":"neutral","sentiment_score":0.10354903638362885,"num_words":5,"start":355.475,"end":357.655}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Good morning. Oakview Financial. You're speaking with Jordan.\n\nChannel 0: Hey, Jordan. It's Ricardo. Is Dana available, please?\n\nChannel 1: Yeah. If you just give me one second. So our system is just taking a while this morning to wake up. You listed it to e t p a. Can I just grab your for security, can I just grab your date of birth, please, and the address we'd have on file?\n\nChannel 0: Yep. Date of birth is 04/22/1983. Address is 15 On Back Court, Timberlake, Queensland.\n\nChannel 1: Okay. Thank you. Just bear with me one sec.\n\nChannel 0: Okay.\n\nChannel 1: Thanks. Welcome to Oakview Financial. At Oakview Financial, we use an innovative model of trust and long term holistic advice, revolutionizing the way financial planning is done. Our team is comprised of highly skilled, transparent financial experts, and our vision is to become the most trusted household name in financial planning throughout Australia. We thank you for your patience today and look forward to hearing how we can help you on your journey to reaching your financial goals.\n\nGood morning. This is Dana.\n\nChannel 0: Hi, Dan. It's Ricardo. How are you?\n\nChannel 1: I'm good. How are you today?\n\nChannel 0: Oh, good.\n\nChannel 1: All good.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: I\n\nChannel 1: You're\n\nChannel 0: just got\n\nChannel 1: right.\n\nChannel 0: I\n\nChannel 1: How\n\nChannel 0: got your message before. So\n\nChannel 1: that's okay. That's not a problem. We just had you booked in. You'd sort of made contact that you're still looking to maybe add a bit more in the way of precious metals to your dad's portfolio. Was that still something you're sort of after looking at?\n\nOr\n\nChannel 0: yeah. Just\n\nChannel 1: yeah.\n\nChannel 0: probably switching some of the I'm not sure exactly, excuse me, what you've got\n\nChannel 1: Yes.\n\nChannel 0: in the\n\nChannel 1: That's\n\nChannel 0: way\n\nChannel 1: it.\n\nChannel 0: of, like, in the hub 24 thing. But if I can sort of concentrate probably a bit more on precious metals instead of whatever else stuff is in there. I'm not really sure. I haven't looked\n\nChannel 1: It.\n\nChannel 0: at\n\nChannel 1: Yep.\n\nChannel 0: the whole thing, but\n\nChannel 1: Yeah.\n\nChannel 0: probably\n\nChannel 1: No.\n\nChannel 0: stuff\n\nChannel 1: That's\n\nChannel 0: that's not doing as\n\nChannel 1: yeah.\n\nChannel 0: well. I'd probably rather just go into precious metals for a bit.\n\nChannel 1: Okay. No. That's okay. So what we can look at doing is if you wanted to, I could send through maybe a portfolio report to you guys to show you what essentially you do have in there. Your dad does have a bit of physical gold in there, currently about 12.8% physical gold, and it has been doing really, really well.\n\nMost of his the rest of his portfolio is still doing really well as well. The only thing that's down at the moment is the BetaShares cash ETF, which I'd be kind of inclined not to remove because that is looking at cash investments. And because he's in pension phase and he's drawing down on that, we still wanna have some cash access and some cash investments for a lowering the risk, but also because he is drawing out money.\n\nChannel 0: Yep.\n\nChannel 1: The only other things in there that are not performing as well or are down a little bit at the moment are the BetaShares cybersecurity and the core composite bond. So the cybersecurity is more of a growth investment, so we could look at maybe removing that and adding some precious metals into that or even reducing some of that back if you wanted to. And the beta share sorry. The iShares core composite bond, that's essentially bonds for defensive investments, and bonds will provide a lower level of return when, say, growth investments like shares are doing quite well. Other than that, everything is up at the moment.\n\nBut did you want me to maybe just start by sending you a portfolio report so you can see where the funds are invested? And then we can kind of you can let me know if there's something you would like to have removed out of there. If\n\nChannel 0: Yeah. I\n\nChannel 1: you\n\nChannel 0: could do that.\n\nChannel 1: yeah. All good. Just so you are fully aware, if you guys decide that you know, because Mario does need to sign off and make the decision as well, so have a chat to him\n\nChannel 0: Yep.\n\nChannel 1: about it and make sure that he is comfortable doing this. Essentially, there are one of two ways. If there is something that you wanna specifically sell and have moved into, say, a certain precious metal, you can do it without advice, and we can do it as a transaction only. There is the risk there that we are increasing the growth investments. We may overexpose him to more risk in doing so, but you can just make that direction and tell us that's what you wanna do.\n\nAnd we have him sign off on a transaction without advice knowing the risks involved to do that. Alternatively, if there's something you want me to have a look at and maybe try to readjust the portfolio, I can do so under personal advice. And that's just updating the advice document to reflect what you just wanna have added in if we can add it in and maybe alter the portfolio so we're not overexposing him to any certain degree of risk and still keeping him, you know, fairly in in a portfolio that's gonna generate income as well to help those pension payments. So if you want, I can pop that into an email with a portfolio report. You can have a look at that, have a chat to your dad, and let me know what you wanna do moving forward.\n\nIs that okay, Ricardo?\n\nChannel 0: Yeah. Yep. That's okay.\n\nChannel 1: Yeah. Beautiful. All good. Are you at work at the moment?\n\nChannel 0: Yeah. I am. He's bloody he's\n\nChannel 1: Yeah.\n\nChannel 0: lucky.\n\nChannel 1: These\n\nChannel 0: He doesn't\n\nChannel 1: are diet.\n\nChannel 0: have to anymore. But\n\nChannel 1: Yeah. No. That's okay. Well, if you want, we can start by that, and then you'll also have my email. So you can email me back with any questions you have or what you wanna do, and then we can kinda just converse and go from there and make a plan to move forward however you prefer.\n\nIs that okay?\n\nChannel 0: Yeah. Yep. That's fine.\n\nChannel 1: Yeah? All good. That way, you don't have to make any decisions now. You've got some time to think it over, and I'll give you that information in writing to make it a bit easier for you.\n\nChannel 0: Okay.\n\nChannel 1: Okay.\n\nChannel 0: No problem, Dana. Alright. Cheers.\n\nChannel 1: Easy. No problem. Thanks for returning my call, Ricardo.\n\nChannel 0: No\n\nChannel 1: I hope\n\nChannel 0: problem.\n\nChannel 1: you have\n\nChannel 0: Thank\n\nChannel 1: a good\n\nChannel 0: you.\n\nChannel 1: day. No\n\nChannel 0: Okay.\n\nChannel 1: worries.\n\nChannel 0: You too. See you.\n\nChannel 1: See you later.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":1.92,"end":2.48,"sentiment":"neutral","sentiment_score":0.19848575443029404},{"text":"Oakview Financial.","start":2.48,"end":3.36,"sentiment":"neutral","sentiment_score":0.09634716063737869},{"text":"You're speaking with Jordan.","start":3.36,"end":4.5,"sentiment":"neutral","sentiment_score":0.04651570413261652}],"sentiment":"neutral","sentiment_score":0.09696608083322644,"channel":1,"num_words":8,"start":1.92,"end":4.5},{"sentences":[{"text":"Hey, Jordan.","start":5.04,"end":5.6,"sentiment":"neutral","sentiment_score":0.04112166725099087},{"text":"It's Ricardo.","start":5.6,"end":6.16,"sentiment":"neutral","sentiment_score":0.04648741893470287},{"text":"Is Dana available, please?","start":6.16,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.03840420814231038}],"sentiment":"neutral","sentiment_score":0.041104375617578626,"channel":0,"num_words":8,"start":5.04,"end":7.7799997},{"sentences":[{"text":"Yeah.","start":8.72,"end":8.96,"sentiment":"neutral","sentiment_score":0.010829178616404532},{"text":"If you just give me one second.","start":8.96,"end":11.62,"sentiment":"neutral","sentiment_score":-0.003961299413016864},{"text":"So our system is just taking a while this morning to wake up.","start":15.679999,"end":19.675,"sentiment":"neutral","sentiment_score":-0.025764858206877343},{"text":"You listed it to e t p a.","start":33.07,"end":35.23,"sentiment":"neutral","sentiment_score":0.006149997760076076},{"text":"Can I just grab your for security, can I just grab your date of birth, please, and the address we'd have on file?","start":35.23,"end":42.77,"sentiment":"neutral","sentiment_score":0.017927604201047317}],"sentiment":"neutral","sentiment_score":0.0021094577834726526,"channel":1,"num_words":52,"start":8.72,"end":42.77},{"sentences":[{"text":"Yep.","start":43.185,"end":43.425,"sentiment":"neutral","sentiment_score":0.00954547803848982},{"text":"Date of birth is 04/22/1983.","start":43.425,"end":46.465,"sentiment":"neutral","sentiment_score":0.007206116989254952},{"text":"Address is 15 On Back Court, Timberlake, Queensland.","start":46.465,"end":49.125,"sentiment":"neutral","sentiment_score":0.011455323896370828}],"sentiment":"neutral","sentiment_score":0.009801332439695085,"channel":0,"num_words":14,"start":43.185,"end":49.125},{"sentences":[{"text":"Okay.","start":50.205,"end":50.685,"sentiment":"neutral","sentiment_score":0.09609617292881012},{"text":"Thank you.","start":50.685,"end":51.585,"sentiment":"neutral","sentiment_score":0.3066687732934952},{"text":"Just bear with me one 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financial experts, and our vision is to become the most trusted household name in financial planning throughout Australia.","start":73.784996,"end":84.685,"sentiment":"positive","sentiment_score":0.4556753463470019},{"text":"We thank you for your patience today and look forward to hearing how we can help you on your journey to reaching your financial goals.","start":85.55,"end":92.05,"sentiment":"positive","sentiment_score":0.6532150721549987}],"sentiment":"positive","sentiment_score":0.5042073455376502,"channel":1,"num_words":78,"start":55.325,"end":92.05},{"sentences":[{"text":"Good morning.","start":93.630005,"end":94.270004,"sentiment":"neutral","sentiment_score":0.26362594962120056},{"text":"This is Dana.","start":94.270004,"end":95.090004,"sentiment":"neutral","sentiment_score":0.1791180670261383}],"sentiment":"neutral","sentiment_score":0.2129212200641632,"channel":1,"num_words":5,"start":93.630005,"end":95.090004},{"sentences":[{"text":"Hi, 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The agent, Jordan, explains that they use an innovative model of trust and holistic advice to revolutionize financial planning and offers to send a portfolio report to show the customer's current investments. The agent also suggests removing certain investments from the portfolio and updating the portfolio with more information. The agent offers to send the customer a portfolio report and suggests a transaction to potentially add precious metals to his dad's portfolio."},"intents":{"segments":[{"text":"So what we can look at doing is if you wanted to, I could send through maybe a portfolio report to you guys to show you what essentially you do have in there.","start_word":346,"end_word":378,"intents":[{"intent":"Schedule portfolio report","confidence_score":0.004414653}]},{"text":"The only thing that's down at the moment is the BetaShares cash ETF, which I'd be kind of inclined not to remove because that is looking at cash investments. And because he's in pension phase and he's drawing down on that, we still wanna have some cash access and some cash investments for a lowering the risk, but also because he is drawing out money. 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Okay.","start_word":1016,"end_word":1051,"intents":[{"intent":"Express confidence in decision-making","confidence_score":2.617832e-7}]}]},"sentiments":{"segments":[{"text":"Good morning. Oakview Financial. You're speaking with Jordan. Hey, Jordan. It's Ricardo. Is Dana available, please? Yeah. If you just give me one second. So our system is just taking a while this morning to wake up. You listed it to e t p a. Can I just grab your for security, can I just grab your date of birth, please, and the address we'd have on file? Yep. Date of birth is 04/22/1983. Address is 15 On Back Court, Timberlake, Queensland. Okay. Thank you. Just bear with me one sec. Okay. Thanks.","start_word":0,"end_word":92,"sentiment":"neutral","sentiment_score":0.038935985416173935},{"text":"Welcome to Oakview Financial. At Oakview Financial, we use an innovative model of trust and long term holistic advice, revolutionizing the way financial planning is done. Our team is comprised of highly skilled, transparent financial experts, and our vision is to become the most trusted household name in financial planning throughout Australia. We thank you for your patience today and look forward to hearing how we can help you on your journey to reaching your financial goals.","start_word":93,"end_word":169,"sentiment":"positive","sentiment_score":0.4929872155189514},{"text":"Good morning. This is Dana. Hi, Dan. It's Ricardo. How are you?","start_word":170,"end_word":181,"sentiment":"neutral","sentiment_score":0.20773085951805115},{"text":"I'm good.","start_word":182,"end_word":183,"sentiment":"positive","sentiment_score":0.36693811416625977},{"text":"How are you today? Oh, good. All good. Yeah. Yeah. I You're just got right. I How got your message before. So that's okay. That's not a problem. We just had you booked in. You'd sort of made contact that you're still looking to maybe add a bit more in the way of precious metals to your dad's portfolio. Was that still something you're sort of after looking at? Or yeah. Just yeah. probably switching some of the I'm not sure exactly, excuse me, what you've got Yes. in the That's way it. of, like, in the hub 24 thing. But if I can sort of concentrate probably a bit more on precious metals instead of whatever else stuff is in there. I'm not really sure. I haven't looked It. at Yep. the whole thing, but Yeah. probably No. stuff That's that's not doing as yeah. well. I'd probably rather just go into precious metals for a bit. Okay. No. That's okay. So what we can look at doing is if you wanted to, I could send through maybe a portfolio report to you guys to show you what essentially you do have in there.","start_word":184,"end_word":378,"sentiment":"neutral","sentiment_score":0.013805129321721885},{"text":"Your dad does have a bit of physical gold in there, currently about 12.8% physical gold, and it has been doing really, really well. Most of his the rest of his portfolio is still doing really well as well.","start_word":379,"end_word":417,"sentiment":"positive","sentiment_score":0.5064810514450073},{"text":"The only thing that's down at the moment is the BetaShares cash ETF, which I'd be kind of inclined not to remove because that is looking at cash investments. And because he's in pension phase and he's drawing down on that, we still wanna have some cash access and some cash investments for a lowering the risk, but also because he is drawing out money. Yep. The only other things in there that are not performing as well or are down a little bit at the moment are the BetaShares cybersecurity and the core composite bond. So the cybersecurity is more of a growth investment, so we could look at maybe removing that and adding some precious metals into that or even reducing some of that back if you wanted to. And the beta share sorry. The iShares core composite bond, that's essentially bonds for defensive investments, and bonds will provide a lower level of return when, say, growth investments like shares are doing quite well. Other than that, everything is up at the moment. But did you want me to maybe just start by sending you a portfolio report so you can see where the funds are invested? And then we can kind of you can let me know if there's something you would like to have removed out of there. If Yeah. I you could do that. yeah.","start_word":418,"end_word":647,"sentiment":"neutral","sentiment_score":-0.06451988965272903},{"text":"All good.","start_word":648,"end_word":649,"sentiment":"positive","sentiment_score":0.3906260132789612},{"text":"Just so you are fully aware, if you guys decide that you know, because Mario does need to sign off and make the decision as well, so have a chat to him Yep. about it and make sure that he is comfortable doing this. Essentially, there are one of two ways. If there is something that you wanna specifically sell and have moved into, say, a certain precious metal, you can do it without advice, and we can do it as a transaction only. There is the risk there that we are increasing the growth investments. We may overexpose him to more risk in doing so, but you can just make that direction and tell us that's what you wanna do. And we have him sign off on a transaction without advice knowing the risks involved to do that. Alternatively, if there's something you want me to have a look at and maybe try to readjust the portfolio, I can do so under personal advice. And that's just updating the advice document to reflect what you just wanna have added in if we can add it in and maybe alter the portfolio so we're not overexposing him to any certain degree of risk and still keeping him, you know, fairly in in a portfolio that's gonna generate income as well to help those pension payments. So if you want, I can pop that into an email with a portfolio report. You can have a look at that, have a chat to your dad, and let me know what you wanna do moving forward. Is that okay, Ricardo? Yeah. Yep. That's okay. Yeah.","start_word":650,"end_word":921,"sentiment":"neutral","sentiment_score":0.025808150551336652},{"text":"Beautiful.","start_word":922,"end_word":922,"sentiment":"positive","sentiment_score":0.4285142719745636},{"text":"All good. Are you at work at the moment? Yeah. I am. He's bloody he's Yeah. lucky. These He doesn't are diet. have to anymore. But Yeah. No. That's okay. Well, if you want, we can start by that, and then you'll also have my email. So you can email me back with any questions you have or what you wanna do, and then we can kinda just converse and go from there and make a plan to move forward however you prefer. Is that okay? Yeah. Yep. That's fine. 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See you. See you later. Bye.","start_word":1076,"end_word":1087,"sentiment":"neutral","sentiment_score":0.1164076142013073}],"average":{"sentiment":"neutral","sentiment_score":0.08454431861861882}}}}