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So is now still a good time for you? Yeah. Alright. Perfect. Now just before I do go any further, just as per usual, just letting you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just for security, if I could just get you to confirm your full name, date of birth, and address, please. Yep. Perfect. And how's your day been? Been busy? Oh, yeah. Yeah. Well, sometimes it's like that. Especially at the end of the week too. Yes. She's not saying anything. Well, I will try not to keep you for too long today. Do you have access to your emails? Yes. Okay. Sorry. Yeah. Whatever works for you. Yeah. Okay. Yeah. So kind of same thing. If you click on it, it will still just allow you to open up any like, everything, and you can always go back and have a look at it before having to decide what you want to do. So you don't have to decide, by the way. So if you can click on it, then you should see a cover page. Does it say OQ Financial statement of advice? Yes. Yeah. Perfect. Now every time we do make a recommendation and do personalized tailored advice, we have to put everything in a statement of advice for you just to make sure you are fully aware and across everything that is happening. Now a lot of it is just compliances. So you will see it's about 36 pages. A lot of it, it is pretty straightforward and things you kind of already know. So I'll just kind of go through the most important aspects of the recommendation, and then you can always have a bit of a read over it in your own time as well. Can you you should just be able to scroll through on this document. Yeah. Because if you press start, then usually it takes you straight to signature, which is what we don't really want right away. And if you press sign, what does it do? Okay. Perfect. Yeah. Okay. Great. Perfect. That's good. So you can see that there is, like, a document, and there's, like, 36 pages in this document. Yeah. Okay. Beautiful. Now on the cover page as well, you can also see my details listed. So you can see my authorized representative number, which is basically just my license number, and I am, obviously, licensed under OQ Financial, and you can see a lot of contact details and everything there on the cover page for you. Yep. Now if you wanna scroll to the second page, it talks a little bit about that best interest you did. Do you remember ever hearing about that before? No. That's okay. Basically, what it means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Yeah. So, basically, there's a lot of compliance and a lot of legislation in place to protect you and making sure that we always do what's best for you at the end of the day. Yep. Perfect. Now as you scroll through, you'll see table of content, pretty self explanatory. You can also see on the next page, it says scope of advice. So that kind of spills over three different pages. Basically, what it talks about is just the areas we are looking at today. So, basically, today, what we are focusing on is your superannuation, making sure everything is set up correctly, focus on growing that as much as possible before retirement. If we needed to make any changes to your investments, and then also looking at that salary sacrificing, increase your as well. Now I have also included just some information in regards to a will and power of attorney Just so you have a little bit of information, it's always something I recommend everyone to consider. So I have just included that for you. Not making any changes to insurances, and we have this kind of scoped out personal investments for now for that to be reassessed next year with school fees and everything being in a little bit better position. Yep. Now now after you then scroll through to page six, you should say limited advice. Yep. So, basically, this talks about that I'm not a legal practitioner, so I can't give you any legal advice. So we would have to refer you on to someone if you do need assistance with that, but we can obviously make suggestions and recommendation on how to structure your super and your insurances. I just can't give you any legal advice. Yes. Perfect. Now on the next two pages, as you scroll through, you will just see some some information in regards to yourself. If you could just have a quick read over that for me just to see if that all looks good or if I need to make any changes in the back end for you. I do have here Okay. Perfect. That's good. It doesn't really change anything, but I will just change in the back end. Are you on medication for it? No. Okay. Perfect. Everything is great there. Yep. Okay. Perfect. No. That is good. Nice and healthy, which is good. I'll just make a little note in the back end. Yeah. Beautiful. Which often is not always the case. The assets look good otherwise as well and the liabilities on the next page. Yep. Perfect. Now the next page then takes us just to show you kind of the similar situation to we went through doing the annual review, list your insurances with MetLife, and then that you do have your super with Hub twenty four. Now the next page after that just talks talks a little bit about your risk profile. So we kind of touched on this quite a bit during the annual review. And right now, we kind of decided that staying in a growth portfolio, which is what you are currently invested in, is kind of the best option for you given, you know, time horizon till retirement. Yeah. Any questions so far? That's pretty straightforward. No. Perfect. Now a little bit about that risk profile just spills over to the next page as well. Kind of talks about the asset allocation again, aiming for around that 8020 split like we mentioned during the annual review. Yep. Now the next page then talks about the actual super recommendation. So can you see that on page 12? Like, the heading says Yes. That's the one. Yep. So this one here outlines what the actual recommendation is that I have made. Now it also outlines the best interest you did and showing how the recommendation act in your best interest. So when we do, obviously, make we make research all the time on different superannuation platforms and different superannuation funds just to make sure it's still the best option for you. So I did consider a lot of other options as an alternative to see. But for the time being, Hub twenty four is still very competitive. It's very competitive when it comes to their fees in investment choices and flexibility. And I do use Hub twenty four for my personal super as well. So I have not made a recommendation to change it. It's staying in Hub twenty four. I'm literally just changing a couple of your investments for you. Yep. Perfect. Now as you scroll through, you will see some advantages, some disadvantages, and some risks associated with the recommendation along with alternatives. But I usually find the best way that people kind of is easiest way to look at it is if you wanna scroll down to page 16 for me first, it kind of summarizes everything in a table. Yep. So I often find this is a bit easier to look at because it kind of shows you kind of the impact and what is actually happening. So you can see here your current situation. You can see your your super balance. You can see the total cost for everything as well as well as the five year rolling average on your current growth portfolio. Now the reason we use a five year rolling average is to give us a little bit more certainty on how the portfolio has performed as well as the market. So one of the risk is that there's always a level of risk associated with any investment option. We obviously can't guarantee anything, but that is why we're using a five year rolling average. We're using the return over five year period and averaging that out to give us a little bit more certainty. Does that make sense? Yeah. Perfect. Page 16. Yes. 16. Yeah. 16. Yes. Okay. So you can see that kind of growth at the bottom. It's kind of like the last row in that table where it says five year rolling average. Yes. Perfect. So what you can then see on the next column for the the next column to the right, you can then see the recommended. So like I said, staying in Hub twenty four and changing some of your investments. Now you can actually see here when you look at the investment fee table that the recommended portfolio is quite a bit cheaper than your current portfolio. So it is saving you a little bit in fees each year, which is nice. Yeah. Now I do wanna let you know if you look on the first row where it says a balance, and you can see that there's a difference of $922. Can you see that? Yep. So still on the same page, the fee comparison. Yeah. Okay. So all the way at the top. Now what this is is that every time we do sell investments, if they have gone up, There will be capital gains tax associated with making the change. So we're obviously trying to minimize that as much as possible for you. It is all taken care of within the super environment when you execute the trade. So it's not something that you would have to pay for yourself or you have to worry about for tax return or anything like that. It is all just within the super environment. Now just for your reference, if we were looking at making a full sell down to change everything for you, the capital gains tax would have been about, excuse me, $5,105. So, obviously, trying to reduce that down for you while still making sure that we wanted to change out any investment that we felt was necessary to achieve your goals, but didn't want you paying that much in impact just for it. So try to minimize that as much as possible, but it is something I do wanna let you know that there will be around that 922. Now it does change on a daily as well, obviously, with market fluctuations, but it will be around that 922. But you can see that the investment fee is so it's saving you about $683 a year in, like, fees alone. So very quickly, you will then kind of recoup the capital gains tax, if that makes sense. Yep. Yep. Perfect. Now what I have also then compared is the per performance between the two portfolio. So you can see here that even though they're both growth, so we're not, like, increasing risk or anything like that, the recommended portfolio has performed a little bit better than your current portfolio, and it's a difference of about 2.45%, which is, again, makes a pretty big difference when you're compounding everything along with the saving in fees. Now this yeah. Now this table here also shows you, Let's see here. Yep. Perfect. So that is all good. Any questions so far? No. That all makes sense. Okay. Perfect. So the next page shows you then a a five year projection forward and then also to age 65 so that you can kind of see the the compounding differences. So it does make a pretty big difference. It does even small little tweaks because, obviously, with time, it does make a big difference. Yep. Perfect. Now underneath it, you can then also see that I've included a little bit more information in regards to the performance over a different period of time so that you can see it. So I have included twelve months, three years, five years, and ten years. And you can see that if even though your current one hasn't done too bad, the recommended has done a little bit better across all time frames. Yep. Perfect. Now on the next page, it then shows you your investment, so what I have recommended in regards to your investment. Can you see that table okay? Yep. Now this one here usually looks a little bit messy, but, basically, what it is, it shows you the investment name, so what you are currently invested in and what I have recommended. Next to it, you will have the special little kind of code. Next to that, you will have the percentage of what you are currently invested in, so how much you currently have in the investment. And then you will have what that looks like from a dollar value point of view, and then you have the buy and sell column. So everything that's in red is either what we are selling or just reducing how much you have exposure to that investment. Black is then what we are buying. So new investment or increasing allocation to a current investment. Does that make sense? Yep. And then next to that, you have the target weight, so how much we are wanting in that investment and then kind of the corresponding balance. Now when we put together the investment portfolio, we are still using, like, the same concept. So still very much following that core and satellite approach to investment. Have you ever heard of that before? No. Basically, what it means is that we invest majority of the funds in what we call your core investment, which basically kind of represents the backbone of the portfolio. And these are kind of your very, well diversified investments, that have done really well in the past and that we believe will continue to do so in the future. So these will be, like, the biggest holdings. So for example, you can see iShares S and P five hundred. So the one that says IVV, can you see that kind of mid mid down? You already have this in your portfolio at about 27.71%. We are just increasing it a little bit to 35. So this is one of those core investments. Now this one here, it is very diversified because it invests in the 500 largest companies listed in The US. So you have five 100 different companies. You will have all the big companies like Microsoft, Amazon, Apple, all the big companies. So very diversified for you. Now at the same time, though, we don't wanna make we don't wanna have just just investments in The US. We wanna make sure we diversify things for you. So what we have swapped out, currently, your Australian investment is not Ben along Australian equity, which is the one I mentioned during the annual review that I really wanted to look at revisiting because it was underperforming. What I have then sub substituted for is it kind of spills over the next page, but it's the one that's called beta shares Australia two hundred. Can you see that? So just the next page following that table because the the big table kind of flows on. Yeah. Yeah. Yeah. Perfect. So this is another one of those core investments. Again, very diversified because it invests in the 200 companies largest, but in Australia. So it gives you that kind of the difference. So you'll have all the big banks and BHP and Woolworths. Again, very diversified for you. Now if you scroll up through that first page, so the one that had the more of them, you then have your satellite investments. Now these are the ones that will give you the most amount of growth, but they can also fluctuate. So they are a little bit more kind of dynamic, a little bit more specialized, and they kind of target different sectors, regions, or assets. So that's why we only have a smaller portion allocated through them. So not as high as what we had in the iShares S and P 500 or the beta shares a two a 200. So, for example, you have, like, the bottom three in this table. So you have 9% in Europe. Again, very diversified investment because we wanna diversify you globally as well. So that invests in Europe for you. You'd have 5% in Japan. Again, the big companies listed in Japan for you to give you that diversification and exposure. And then you do have 8% in an investment that's called Vanguard All World. You may have heard of Vanguard before. They're quite big. Yeah. Yeah. So this one here does invest in companies all around the world, but it excludes The US. Because you already have exposure to The US market in that iShares S and P 500, and we don't want too much allocation to one area either. Does that make sense? Yep. Yep. Perfect. Now you also obviously have some of that defensive to your investments to limit those fluctuations. So you have gold still in your portfolio. You had it before at seven point nine up just changing it to about 7%, but still maintaining that in your portfolio. You also had a fixed interest that I share is core composite bond. You already had that in your portfolio, but it was at around 8.54, just reducing that down to about 5%. You also had another satellite, the cybersecurity. Again, you already had it in your portfolio, but you had it at about 8.34. Just realigning it back through to 6% for you. Do you have any questions in regards to any of the investments? No. Perfect. Yep. Now in the appendix, which is the second attachment, if you ever wanted to just do some light reading and have a bit of a research on it, I have included all the investment links for each and every one of these investments. So if you do ever wanna go and have a look at them, it's all all the research and everything is there for you. Yep. Now you can also see the cash account you mentioned. So with HUB24, they do have a minimum cash account that you need to have in your account of 1.25%. Now when, obviously, contributions and stuff go in through superannuation, it can fluctuate a little bit, but it does even out when we do place trades. But we do wanna keep it as close to that 1.25 as possible because your cash isn't gonna grow same as your other investments. So we do wanna kind of state that minimum amount, if that makes sense. Yep. Perfect. Now the next page then shows you the proposed asset allocation. It's like a pie chart and another table. Can you see that? Yep. Perfect. Now this one here shows you the the difference between the two the two portfolios. So you can see your risk profile aiming for around that $80.20 mark, but it does can change or fluctuate a little bit up to about $85.15 depending on, again, kind of prices and everything like that. You then have your existing, so what you are currently invested in, and then you have the proposed. So both portfolios are quite fairly similar and both aligning within that growth profile, if that makes sense. Yep. Perfect. Now the next table or next page shows you a retirement income calculator. Have you ever seen something like this before? No. So, basically, this one here, it is to kind of just show you how things are tracking at the moment and, obviously, including that salary sacrifice for you. So it shows you that if you wanted to retire at 65, what you have then your your kind of dark green is the income drawn from your superannuation. So if we targeted about a thousand dollars per week as an income just to support yourself, it shows you that your superannuation will last, if things obviously are tracking, until about 91. Now what this also shows is that what we have done, and it obviously depends on how long you are working for and your risk tolerance. But to be more conservative, what I'd like to do is assuming that when you retire, to after 65, you will be in a defensive investment. So then we are assuming the growth on your investments will be down to 5% instead of that 11.57. So, obviously, if you do wanna be invested in a little bit more or have more time frame, you'll obviously have more, but I prefer to show a little bit more of that conservative approach, especially when you do decide to retire, if that makes sense. Yep. Yeah. And then you have the light blue kind of under it. That would then be age pension. So, obviously, depending on situation at the time, but it will also show that you can get a little bit from about 69, and then that kind of takes you through as well. Yeah. So at least it shows you that things are kind of tracking nicely. And especially if we're doing that salary sacrifice, which is actually the the next couple of pages, it does make make a bit of a difference, and it's always something you can change. Yep. So next page shows you it should have a heading where it says, make salary sacrifice contributions into hub twenty four up a $100 per fortnight. Can you see that? Yes. Yes. So, basically, again, table, I usually find easiest to look at. So the the good thing with seller sacrifice lines is that contributions going into super east tax at 15%, which is obviously a lot less than your 302% medical levy that you pay for on your income. So that's what makes it kind of tax effective. But aside from, obviously, that it does boost your superannuation. It means you have more money being invested for a longer period of time as well. Obviously, the thing to be mindful of is that contributions that you put into superannuation, it will reduce your cash flow a little bit, and it will also be locked in until you meet a condition of release. So for example, if you turn 60 and stop working. So, obviously, make sure it's not kind of money that you do need on no. But you can't take the money out. So let's say you yeah. Yes. Perfect. But no. If you go to your employer tomorrow and say, yeah, a $100 a fortnight, And then in two weeks, you go, no. I don't want it. Just tell your employer and they stop it. You can start and stop whenever you've gone through. Correct. Yes. So, obviously, something to be mindful of. Now this table here shows you kind of the money side, how it changes. So on the top section, it shows you your income tax and how it changes. So you can see your current position, the salary sacrifice, taxable income, tax on the taxable income, and then your net income. So by salary sacrificing a $100 per fortnight, it will reduce your yearly income by about 1,768. And exactly. So sometimes seeing it on on this scale, it kind of like, oh, okay. Well, that's not too bad. That's always something you can change as well. Now underneath it, it then shows you the impact on the superannuation. So it shows you the contributions you're getting from your employer. It then shows you on the proposed side, the salary sacrificed amount. Again, obviously, tax is paid on contributions, and then you have the net contribution. So you can see that it is boosting your super by about $2,210. And when you do factor in extra super minus the income, it still puts you in a better off position by about $442. Yeah. Does that make sense? Yeah. Okay. Perfect. Again, on the next pages, it shows you advantages, disadvantages, and risks. But kind of like we touched on, a big advantage is it continues to boost and grow your superannuation, reduces tax payable, which is fantastic. But a disadvantage is that you will obviously have a little bit of that reduced net income. It's locked in until you act can access the money. One of the risks is that there's always a potential change to legislation. But, obviously, if that were to change or if it was to drastically decrease, which I doubt is usually the opposite. It's just obviously something we would have to just revisit if we need to make any changes. Yep. Perfect. Now an alternative considered, so that is page 23, is instead of doing salary sacrifice, if you just do a lump sum, you can do lump sum in in and change it to pretax. But by using salary sacrifice, you do take advantage of that kind of dollar cost averaging, which means that throughout the year, you're going to have more money invested than if you just do a lump sum at the end of the year. But, also, with all the ups and downs of the market fluctuations, by doing it regularly, it means that sometimes you're investing when the market's up, sometimes when it's down, and you kind of take advantage of the ups and downs then if you just do, like, a lump sum. And if at the time the market is up, you don't get as much. Yeah. Yeah. Perfect. Now any questions so far? Or it's pretty straightforward. No? Yep. Perfect. We're almost at the end. And the next two or next couple of pages, actually, it shows you a little bit more in regards to setting up a will. Just some information for you. And then, again, when it comes to power of attorney, the different types of power of attorney available as well that you can have a bit of a read over. Yep. Perfect. Now that then takes us to our ongoing services, which obviously you would be aware of doing the under review, every twelve months, which is where we obviously reassess everything for you in detail. But it doesn't mean that we have to wait to under review. So if at any point in time, obviously, you guys want an appointment or there's anything any questions or anything you need, you know, there's no additional fees or charges at all if you wanted to do monthly catch up or quarterly catch up or just call whenever you have a question. There is no changes. So that's all just kind of part part of the service for you. Yep. Now the last thing is then in regards to the remuneration again. So that is page 31 or 32. Yep. So kind of like I mentioned in the annual review, no changes whatsoever in regards to the fee structure. And, again, obviously, because we have both of you as clients, you are on that reduced 1.1% from Super. And so that's not changing. So if you are happy and you wanted to go ahead with the recommendation, there is no additional fees or charges at all to implement that. That is all part of the service. And I have also just included just the insurances for your awareness. So when it comes to the insurance, I'm not sure if you remember when we set them up for you, but we do get 22% commissions on the premium. MetLife, so the insurer paying us, it is not you paying us. Before compliance, we have to disclose any commissions we receive so that you are fully aware. But, again, you don't pay for that. Yep. Perfect. And that basically summarizes everything. So as you scroll through, you will see authority to proceed, and that basically just shows that if you are happy with the recommendation, what we are looking at doing is keeping your hub twenty four account, change some of those underlying investments, and then look to do that salary sacrifice for you as well. Yep. Perfect. Now the next page, it shows how to implement our advice. You don't really have to worry about it because if it was something that you wanted to do, we would do it all in the back end. The only thing would be that you would just contact your employer and say that you would like to start salary sacrificing. Yep. Perfect. Now that was essentially everything I had to go through. So, obviously, from here, if you wanted to take some time to read over these documents, you are more than welcome to do so. When you do have a read over it or if you are happy to go ahead with the recommendation, it will then be pretty straightforward. It's the same as the annual review. Where you are or where it said start now to sign documents, it will just ask you to add a little signature at the end of the statement of advice, and it will then automatically send it back to me. And that tells me that you are happy with the recommendation, and I will let the team know to go ahead and make those changes for you. Yes. Exactly. Yep. Perfect. Now do you have any questions for me at all? Yeah. Nope. Yes. Yep. Yes. Yeah. Yeah. And if you do let's say you you run through it and you go, no. I don't wanna start salary sacrificing yet, but I'm happy to make the investment change. In the SOA, there's a little text box just before signing that it will allow you to type. So you could just type there. For example, if you go, no. I don't wanna do salary sacrifice yet, which is perfectly fine. You could just type, I'm happy with the investment change, but prefer not to do the salary sacrifice yet. And that's perfectly fine. Or if there was any other changes you wanna make, it's kind of like a free box where it allows you to type. Yep. No problem at all. Well, that was basically everything. Any questions for me before I let you go and enjoy the rest of your afternoon or evening, I should say? Yes. Yeah. Is he there with you? Can he hear me? Yes. Yeah. Good, Peter. How are you? Now, Sarah yeah. Yeah. Because I was keeping a look at for today, but I did actually call a sender regardless because they should have their emails. So I was just about to send you an email, but now when you're here on the phone, it's good. So I did call them today just to query, and I said that you did receive two emails, which was very strange. But, obviously, since then, we've got the certificate of currency, things paid up to date. You shouldn't have received that out of pocket because it's not something you pay for out of pocket. And they just apologized for the error and said that they were having some technical issues. And, yes, they apologized for that letter even though it was true. So I'm very happy that you did not proceed with paying it. So if if for some reason either of you aim get anything from this, just call me just to be sure. It shouldn't happen. And they were very apologetic, but they reassured me that everything is paid and everything is up to date. Yep. No. That is no problem. I will let you guys go and enjoy dinner soon, I'm sure. And any questions, just just let me know either of you. Okay? Nope. You too. We'll speak soon. Okay. 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afternoon. Is this Sarah Jane? This is Veronica from Financial. How are you? I'm good.\n\nThank you. I had you booked in to go over the recommendations on your super investment. So is now still a good time for you? Yeah. Alright.\n\nPerfect. Now just before I do go any further, just as per usual, just letting you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just for security, if I could just get you to confirm your full name, date of birth, and address, please. Yep.\n\nPerfect. And how's your day been? Been busy? Oh, yeah. Yeah.\n\nWell, sometimes it's like that. Especially at the end of the week too. Yes. She's not saying anything. Well, I will try not to keep you for too long today.\n\nDo you have access to your emails? Yes. Okay. Sorry. Yeah.\n\nWhatever works for you. Yeah. Okay. Yeah. So kind of same thing.\n\nIf you click on it, it will still just allow you to open up any like, everything, and you can always go back and have a look at it before having to decide what you want to do. So you don't have to decide, by the way. So if you can click on it, then you should see a cover page. Does it say OQ Financial statement of advice? Yes.\n\nYeah. Perfect. Now every time we do make a recommendation and do personalized tailored advice, we have to put everything in a statement of advice for you just to make sure you are fully aware and across everything that is happening. Now a lot of it is just compliances. So you will see it's about 36 pages.\n\nA lot of it, it is pretty straightforward and things you kind of already know. So I'll just kind of go through the most important aspects of the recommendation, and then you can always have a bit of a read over it in your own time as well. Can you you should just be able to scroll through on this document. Yeah. Because if you press start, then usually it takes you straight to signature, which is what we don't really want right away.\n\nAnd if you press sign, what does it do? Okay. Perfect. Yeah. Okay.\n\nGreat. Perfect. That's good. So you can see that there is, like, a document, and there's, like, 36 pages in this document. Yeah.\n\nOkay. Beautiful. Now on the cover page as well, you can also see my details listed. So you can see my authorized representative number, which is basically just my license number, and I am, obviously, licensed under OQ Financial, and you can see a lot of contact details and everything there on the cover page for you. Yep.\n\nNow if you wanna scroll to the second page, it talks a little bit about that best interest you did. Do you remember ever hearing about that before? No. That's okay. Basically, what it means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice.\n\nOtherwise, we can't actually make the recommendation. Yeah. So, basically, there's a lot of compliance and a lot of legislation in place to protect you and making sure that we always do what's best for you at the end of the day. Yep. Perfect.\n\nNow as you scroll through, you'll see table of content, pretty self explanatory. You can also see on the next page, it says scope of advice. So that kind of spills over three different pages. Basically, what it talks about is just the areas we are looking at today. So, basically, today, what we are focusing on is your superannuation, making sure everything is set up correctly, focus on growing that as much as possible before retirement.\n\nIf we needed to make any changes to your investments, and then also looking at that salary sacrificing, increase your as well. Now I have also included just some information in regards to a will and power of attorney Just so you have a little bit of information, it's always something I recommend everyone to consider. So I have just included that for you. Not making any changes to insurances, and we have this kind of scoped out personal investments for now for that to be reassessed next year with school fees and everything being in a little bit better position. Yep.\n\nNow now after you then scroll through to page six, you should say limited advice. Yep. So, basically, this talks about that I'm not a legal practitioner, so I can't give you any legal advice. So we would have to refer you on to someone if you do need assistance with that, but we can obviously make suggestions and recommendation on how to structure your super and your insurances. I just can't give you any legal advice.\n\nYes. Perfect. Now on the next two pages, as you scroll through, you will just see some some information in regards to yourself. If you could just have a quick read over that for me just to see if that all looks good or if I need to make any changes in the back end for you. I do have here Okay.\n\nPerfect. That's good. It doesn't really change anything, but I will just change in the back end. Are you on medication for it? No.\n\nOkay. Perfect. Everything is great there. Yep. Okay.\n\nPerfect. No. That is good. Nice and healthy, which is good. I'll just make a little note in the back end.\n\nYeah. Beautiful. Which often is not always the case. The assets look good otherwise as well and the liabilities on the next page. Yep.\n\nPerfect. Now the next page then takes us just to show you kind of the similar situation to we went through doing the annual review, list your insurances with MetLife, and then that you do have your super with Hub twenty four. Now the next page after that just talks talks a little bit about your risk profile. So we kind of touched on this quite a bit during the annual review. And right now, we kind of decided that staying in a growth portfolio, which is what you are currently invested in, is kind of the best option for you given, you know, time horizon till retirement.\n\nYeah. Any questions so far? That's pretty straightforward. No. Perfect.\n\nNow a little bit about that risk profile just spills over to the next page as well. Kind of talks about the asset allocation again, aiming for around that 8020 split like we mentioned during the annual review. Yep. Now the next page then talks about the actual super recommendation. So can you see that on page 12?\n\nLike, the heading says Yes. That's the one. Yep. So this one here outlines what the actual recommendation is that I have made. Now it also outlines the best interest you did and showing how the recommendation act in your best interest.\n\nSo when we do, obviously, make we make research all the time on different superannuation platforms and different superannuation funds just to make sure it's still the best option for you. So I did consider a lot of other options as an alternative to see. But for the time being, Hub twenty four is still very competitive. It's very competitive when it comes to their fees in investment choices and flexibility. And I do use Hub twenty four for my personal super as well.\n\nSo I have not made a recommendation to change it. It's staying in Hub twenty four. I'm literally just changing a couple of your investments for you. Yep. Perfect.\n\nNow as you scroll through, you will see some advantages, some disadvantages, and some risks associated with the recommendation along with alternatives. But I usually find the best way that people kind of is easiest way to look at it is if you wanna scroll down to page 16 for me first, it kind of summarizes everything in a table. Yep. So I often find this is a bit easier to look at because it kind of shows you kind of the impact and what is actually happening. So you can see here your current situation.\n\nYou can see your your super balance. You can see the total cost for everything as well as well as the five year rolling average on your current growth portfolio. Now the reason we use a five year rolling average is to give us a little bit more certainty on how the portfolio has performed as well as the market. So one of the risk is that there's always a level of risk associated with any investment option. We obviously can't guarantee anything, but that is why we're using a five year rolling average.\n\nWe're using the return over five year period and averaging that out to give us a little bit more certainty. Does that make sense? Yeah. Perfect. Page 16.\n\nYes. 16. Yeah. 16. Yes.\n\nOkay. So you can see that kind of growth at the bottom. It's kind of like the last row in that table where it says five year rolling average. Yes. Perfect.\n\nSo what you can then see on the next column for the the next column to the right, you can then see the recommended. So like I said, staying in Hub twenty four and changing some of your investments. Now you can actually see here when you look at the investment fee table that the recommended portfolio is quite a bit cheaper than your current portfolio. So it is saving you a little bit in fees each year, which is nice. Yeah.\n\nNow I do wanna let you know if you look on the first row where it says a balance, and you can see that there's a difference of $922. Can you see that? Yep. So still on the same page, the fee comparison. Yeah.\n\nOkay. So all the way at the top. Now what this is is that every time we do sell investments, if they have gone up, There will be capital gains tax associated with making the change. So we're obviously trying to minimize that as much as possible for you. It is all taken care of within the super environment when you execute the trade.\n\nSo it's not something that you would have to pay for yourself or you have to worry about for tax return or anything like that. It is all just within the super environment. Now just for your reference, if we were looking at making a full sell down to change everything for you, the capital gains tax would have been about, excuse me, $5,105. So, obviously, trying to reduce that down for you while still making sure that we wanted to change out any investment that we felt was necessary to achieve your goals, but didn't want you paying that much in impact just for it. So try to minimize that as much as possible, but it is something I do wanna let you know that there will be around that 922.\n\nNow it does change on a daily as well, obviously, with market fluctuations, but it will be around that 922. But you can see that the investment fee is so it's saving you about $683 a year in, like, fees alone. So very quickly, you will then kind of recoup the capital gains tax, if that makes sense. Yep. Yep.\n\nPerfect. Now what I have also then compared is the per performance between the two portfolio. So you can see here that even though they're both growth, so we're not, like, increasing risk or anything like that, the recommended portfolio has performed a little bit better than your current portfolio, and it's a difference of about 2.45%, which is, again, makes a pretty big difference when you're compounding everything along with the saving in fees. Now this yeah. Now this table here also shows you, Let's see here.\n\nYep. Perfect. So that is all good. Any questions so far? No.\n\nThat all makes sense. Okay. Perfect. So the next page shows you then a a five year projection forward and then also to age 65 so that you can kind of see the the compounding differences. So it does make a pretty big difference.\n\nIt does even small little tweaks because, obviously, with time, it does make a big difference. Yep. Perfect. Now underneath it, you can then also see that I've included a little bit more information in regards to the performance over a different period of time so that you can see it. So I have included twelve months, three years, five years, and ten years.\n\nAnd you can see that if even though your current one hasn't done too bad, the recommended has done a little bit better across all time frames. Yep. Perfect. Now on the next page, it then shows you your investment, so what I have recommended in regards to your investment. Can you see that table okay?\n\nYep. Now this one here usually looks a little bit messy, but, basically, what it is, it shows you the investment name, so what you are currently invested in and what I have recommended. Next to it, you will have the special little kind of code. Next to that, you will have the percentage of what you are currently invested in, so how much you currently have in the investment. And then you will have what that looks like from a dollar value point of view, and then you have the buy and sell column.\n\nSo everything that's in red is either what we are selling or just reducing how much you have exposure to that investment. Black is then what we are buying. So new investment or increasing allocation to a current investment. Does that make sense? Yep.\n\nAnd then next to that, you have the target weight, so how much we are wanting in that investment and then kind of the corresponding balance. Now when we put together the investment portfolio, we are still using, like, the same concept. So still very much following that core and satellite approach to investment. Have you ever heard of that before? No.\n\nBasically, what it means is that we invest majority of the funds in what we call your core investment, which basically kind of represents the backbone of the portfolio. And these are kind of your very, well diversified investments, that have done really well in the past and that we believe will continue to do so in the future. So these will be, like, the biggest holdings. So for example, you can see iShares S and P five hundred. So the one that says IVV, can you see that kind of mid mid down?\n\nYou already have this in your portfolio at about 27.71%. We are just increasing it a little bit to 35. So this is one of those core investments. Now this one here, it is very diversified because it invests in the 500 largest companies listed in The US. So you have five 100 different companies.\n\nYou will have all the big companies like Microsoft, Amazon, Apple, all the big companies. So very diversified for you. Now at the same time, though, we don't wanna make we don't wanna have just just investments in The US. We wanna make sure we diversify things for you. So what we have swapped out, currently, your Australian investment is not Ben along Australian equity, which is the one I mentioned during the annual review that I really wanted to look at revisiting because it was underperforming.\n\nWhat I have then sub substituted for is it kind of spills over the next page, but it's the one that's called beta shares Australia two hundred. Can you see that? So just the next page following that table because the the big table kind of flows on. Yeah. Yeah.\n\nYeah. Perfect. So this is another one of those core investments. Again, very diversified because it invests in the 200 companies largest, but in Australia. So it gives you that kind of the difference.\n\nSo you'll have all the big banks and BHP and Woolworths. Again, very diversified for you. Now if you scroll up through that first page, so the one that had the more of them, you then have your satellite investments. Now these are the ones that will give you the most amount of growth, but they can also fluctuate. So they are a little bit more kind of dynamic, a little bit more specialized, and they kind of target different sectors, regions, or assets.\n\nSo that's why we only have a smaller portion allocated through them. So not as high as what we had in the iShares S and P 500 or the beta shares a two a 200. So, for example, you have, like, the bottom three in this table. So you have 9% in Europe. Again, very diversified investment because we wanna diversify you globally as well.\n\nSo that invests in Europe for you. You'd have 5% in Japan. Again, the big companies listed in Japan for you to give you that diversification and exposure. And then you do have 8% in an investment that's called Vanguard All World. You may have heard of Vanguard before.\n\nThey're quite big. Yeah. Yeah. So this one here does invest in companies all around the world, but it excludes The US. Because you already have exposure to The US market in that iShares S and P 500, and we don't want too much allocation to one area either.\n\nDoes that make sense? Yep. Yep. Perfect. Now you also obviously have some of that defensive to your investments to limit those fluctuations.\n\nSo you have gold still in your portfolio. You had it before at seven point nine up just changing it to about 7%, but still maintaining that in your portfolio. You also had a fixed interest that I share is core composite bond. You already had that in your portfolio, but it was at around 8.54, just reducing that down to about 5%. You also had another satellite, the cybersecurity.\n\nAgain, you already had it in your portfolio, but you had it at about 8.34. Just realigning it back through to 6% for you. Do you have any questions in regards to any of the investments? No. Perfect.\n\nYep. Now in the appendix, which is the second attachment, if you ever wanted to just do some light reading and have a bit of a research on it, I have included all the investment links for each and every one of these investments. So if you do ever wanna go and have a look at them, it's all all the research and everything is there for you. Yep. Now you can also see the cash account you mentioned.\n\nSo with HUB24, they do have a minimum cash account that you need to have in your account of 1.25%. Now when, obviously, contributions and stuff go in through superannuation, it can fluctuate a little bit, but it does even out when we do place trades. But we do wanna keep it as close to that 1.25 as possible because your cash isn't gonna grow same as your other investments. So we do wanna kind of state that minimum amount, if that makes sense. Yep.\n\nPerfect. Now the next page then shows you the proposed asset allocation. It's like a pie chart and another table. Can you see that? Yep.\n\nPerfect. Now this one here shows you the the difference between the two the two portfolios. So you can see your risk profile aiming for around that $80.20 mark, but it does can change or fluctuate a little bit up to about $85.15 depending on, again, kind of prices and everything like that. You then have your existing, so what you are currently invested in, and then you have the proposed. So both portfolios are quite fairly similar and both aligning within that growth profile, if that makes sense.\n\nYep. Perfect. Now the next table or next page shows you a retirement income calculator. Have you ever seen something like this before? No.\n\nSo, basically, this one here, it is to kind of just show you how things are tracking at the moment and, obviously, including that salary sacrifice for you. So it shows you that if you wanted to retire at 65, what you have then your your kind of dark green is the income drawn from your superannuation. So if we targeted about a thousand dollars per week as an income just to support yourself, it shows you that your superannuation will last, if things obviously are tracking, until about 91. Now what this also shows is that what we have done, and it obviously depends on how long you are working for and your risk tolerance. But to be more conservative, what I'd like to do is assuming that when you retire, to after 65, you will be in a defensive investment.\n\nSo then we are assuming the growth on your investments will be down to 5% instead of that 11.57. So, obviously, if you do wanna be invested in a little bit more or have more time frame, you'll obviously have more, but I prefer to show a little bit more of that conservative approach, especially when you do decide to retire, if that makes sense. Yep. Yeah. And then you have the light blue kind of under it.\n\nThat would then be age pension. So, obviously, depending on situation at the time, but it will also show that you can get a little bit from about 69, and then that kind of takes you through as well. Yeah. So at least it shows you that things are kind of tracking nicely. And especially if we're doing that salary sacrifice, which is actually the the next couple of pages, it does make make a bit of a difference, and it's always something you can change.\n\nYep. So next page shows you it should have a heading where it says, make salary sacrifice contributions into hub twenty four up a $100 per fortnight. Can you see that? Yes. Yes.\n\nSo, basically, again, table, I usually find easiest to look at. So the the good thing with seller sacrifice lines is that contributions going into super east tax at 15%, which is obviously a lot less than your 302% medical levy that you pay for on your income. So that's what makes it kind of tax effective. But aside from, obviously, that it does boost your superannuation. It means you have more money being invested for a longer period of time as well.\n\nObviously, the thing to be mindful of is that contributions that you put into superannuation, it will reduce your cash flow a little bit, and it will also be locked in until you meet a condition of release. So for example, if you turn 60 and stop working. So, obviously, make sure it's not kind of money that you do need on no. But you can't take the money out. So let's say you yeah.\n\nYes. Perfect. But no. If you go to your employer tomorrow and say, yeah, a $100 a fortnight, And then in two weeks, you go, no. I don't want it.\n\nJust tell your employer and they stop it. You can start and stop whenever you've gone through. Correct. Yes. So, obviously, something to be mindful of.\n\nNow this table here shows you kind of the money side, how it changes. So on the top section, it shows you your income tax and how it changes. So you can see your current position, the salary sacrifice, taxable income, tax on the taxable income, and then your net income. So by salary sacrificing a $100 per fortnight, it will reduce your yearly income by about 1,768. And exactly.\n\nSo sometimes seeing it on on this scale, it kind of like, oh, okay. Well, that's not too bad. That's always something you can change as well. Now underneath it, it then shows you the impact on the superannuation. So it shows you the contributions you're getting from your employer.\n\nIt then shows you on the proposed side, the salary sacrificed amount. Again, obviously, tax is paid on contributions, and then you have the net contribution. So you can see that it is boosting your super by about $2,210. And when you do factor in extra super minus the income, it still puts you in a better off position by about $442. Yeah.\n\nDoes that make sense? Yeah. Okay. Perfect. Again, on the next pages, it shows you advantages, disadvantages, and risks.\n\nBut kind of like we touched on, a big advantage is it continues to boost and grow your superannuation, reduces tax payable, which is fantastic. But a disadvantage is that you will obviously have a little bit of that reduced net income. It's locked in until you act can access the money. One of the risks is that there's always a potential change to legislation. But, obviously, if that were to change or if it was to drastically decrease, which I doubt is usually the opposite.\n\nIt's just obviously something we would have to just revisit if we need to make any changes. Yep. Perfect. Now an alternative considered, so that is page 23, is instead of doing salary sacrifice, if you just do a lump sum, you can do lump sum in in and change it to pretax. But by using salary sacrifice, you do take advantage of that kind of dollar cost averaging, which means that throughout the year, you're going to have more money invested than if you just do a lump sum at the end of the year.\n\nBut, also, with all the ups and downs of the market fluctuations, by doing it regularly, it means that sometimes you're investing when the market's up, sometimes when it's down, and you kind of take advantage of the ups and downs then if you just do, like, a lump sum. And if at the time the market is up, you don't get as much. Yeah. Yeah. Perfect.\n\nNow any questions so far? Or it's pretty straightforward. No? Yep. Perfect.\n\nWe're almost at the end. And the next two or next couple of pages, actually, it shows you a little bit more in regards to setting up a will. Just some information for you. And then, again, when it comes to power of attorney, the different types of power of attorney available as well that you can have a bit of a read over. Yep.\n\nPerfect. Now that then takes us to our ongoing services, which obviously you would be aware of doing the under review, every twelve months, which is where we obviously reassess everything for you in detail. But it doesn't mean that we have to wait to under review. So if at any point in time, obviously, you guys want an appointment or there's anything any questions or anything you need, you know, there's no additional fees or charges at all if you wanted to do monthly catch up or quarterly catch up or just call whenever you have a question. There is no changes.\n\nSo that's all just kind of part part of the service for you. Yep. Now the last thing is then in regards to the remuneration again. So that is page 31 or 32. Yep.\n\nSo kind of like I mentioned in the annual review, no changes whatsoever in regards to the fee structure. And, again, obviously, because we have both of you as clients, you are on that reduced 1.1% from Super. And so that's not changing. So if you are happy and you wanted to go ahead with the recommendation, there is no additional fees or charges at all to implement that. That is all part of the service.\n\nAnd I have also just included just the insurances for your awareness. So when it comes to the insurance, I'm not sure if you remember when we set them up for you, but we do get 22% commissions on the premium. MetLife, so the insurer paying us, it is not you paying us. Before compliance, we have to disclose any commissions we receive so that you are fully aware. But, again, you don't pay for that.\n\nYep. Perfect. And that basically summarizes everything. So as you scroll through, you will see authority to proceed, and that basically just shows that if you are happy with the recommendation, what we are looking at doing is keeping your hub twenty four account, change some of those underlying investments, and then look to do that salary sacrifice for you as well. Yep.\n\nPerfect. Now the next page, it shows how to implement our advice. You don't really have to worry about it because if it was something that you wanted to do, we would do it all in the back end. The only thing would be that you would just contact your employer and say that you would like to start salary sacrificing. Yep.\n\nPerfect. Now that was essentially everything I had to go through. So, obviously, from here, if you wanted to take some time to read over these documents, you are more than welcome to do so. When you do have a read over it or if you are happy to go ahead with the recommendation, it will then be pretty straightforward. It's the same as the annual review.\n\nWhere you are or where it said start now to sign documents, it will just ask you to add a little signature at the end of the statement of advice, and it will then automatically send it back to me. And that tells me that you are happy with the recommendation, and I will let the team know to go ahead and make those changes for you. Yes. Exactly. Yep.\n\nPerfect. Now do you have any questions for me at all? Yeah. Nope. Yes.\n\nYep. Yes. Yeah. Yeah. And if you do let's say you you run through it and you go, no.\n\nI don't wanna start salary sacrificing yet, but I'm happy to make the investment change. In the SOA, there's a little text box just before signing that it will allow you to type. So you could just type there. For example, if you go, no. I don't wanna do salary sacrifice yet, which is perfectly fine.\n\nYou could just type, I'm happy with the investment change, but prefer not to do the salary sacrifice yet. And that's perfectly fine. Or if there was any other changes you wanna make, it's kind of like a free box where it allows you to type. Yep. No problem at all.\n\nWell, that was basically everything. Any questions for me before I let you go and enjoy the rest of your afternoon or evening, I should say? Yes. Yeah. Is he there with you?\n\nCan he hear me? Yes. Yeah. Good, Peter. How are you?\n\nNow, Sarah yeah. Yeah. Because I was keeping a look at for today, but I did actually call a sender regardless because they should have their emails. So I was just about to send you an email, but now when you're here on the phone, it's good. So I did call them today just to query, and I said that you did receive two emails, which was very strange.\n\nBut, obviously, since then, we've got the certificate of currency, things paid up to date. You shouldn't have received that out of pocket because it's not something you pay for out of pocket. And they just apologized for the error and said that they were having some technical issues. And, yes, they apologized for that letter even though it was true. So I'm very happy that you did not proceed with paying it.\n\nSo if if for some reason either of you aim get anything from this, just call me just to be sure. It shouldn't happen. And they were very apologetic, but they reassured me that everything is paid and everything is up to date. Yep. No.\n\nThat is no problem. I will let you guys go and enjoy dinner soon, I'm sure. And any questions, just just let me know either of you. Okay? Nope.\n\nYou too. We'll speak soon. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.4399999,"end":2.08,"sentiment":"neutral","sentiment_score":0.21786431968212128},{"text":"Is this Sarah Jane?","start":2.08,"end":3.3,"sentiment":"neutral","sentiment_score":0.09417543187737465},{"text":"This is Veronica from Financial.","start":4.96,"end":6.74,"sentiment":"neutral","sentiment_score":0.14326949119567872},{"text":"How are you?","start":7.2799997,"end":8.1,"sentiment":"neutral","sentiment_score":0.15766549607117972},{"text":"I'm good.","start":9.84,"end":10.719999,"sentiment":"positive","sentiment_score":0.6119939684867859}],"sentiment":"neutral","sentiment_score":0.20161014050245285,"num_words":16,"start":1.4399999,"end":10.719999},{"sentences":[{"text":"Thank you.","start":10.719999,"end":11.54,"sentiment":"positive","sentiment_score":0.6859559118747711},{"text":"I had you booked in to go over the recommendations on your super investment.","start":12.895,"end":18.015,"sentiment":"neutral","sentiment_score":0.28820524364709854},{"text":"So is now still a good time for you?","start":18.015,"end":19.875,"sentiment":"neutral","sentiment_score":0.22015354451205996},{"text":"Yeah.","start":21.295,"end":21.695,"sentiment":"neutral","sentiment_score":0.13764125108718872},{"text":"Alright.","start":21.695,"end":22.195,"sentiment":"neutral","sentiment_score":0.2599479556083679}],"sentiment":"neutral","sentiment_score":0.28836134600418584,"num_words":27,"start":10.719999,"end":22.195},{"sentences":[{"text":"Perfect.","start":22.415,"end":22.915,"sentiment":"positive","sentiment_score":0.4338707327842712},{"text":"Now just before I do go any further, just as per usual, just letting you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":23.455,"end":33.87,"sentiment":"neutral","sentiment_score":0.07748091481626034},{"text":"Perfect.","start":35.93,"end":36.43,"sentiment":"positive","sentiment_score":0.42783287167549133},{"text":"And just for security, if I could just get you to confirm your full name, date of birth, and address, please.","start":36.57,"end":42.465,"sentiment":"neutral","sentiment_score":0.09932369809775125},{"text":"Yep.","start":52.385002,"end":52.885002,"sentiment":"neutral","sentiment_score":0.10782068967819214}],"sentiment":"neutral","sentiment_score":0.09962498886441742,"num_words":54,"start":22.415,"end":52.885002},{"sentences":[{"text":"Perfect.","start":52.945,"end":53.445,"sentiment":"neutral","sentiment_score":0.3279573321342468},{"text":"And how's your day been?","start":53.585,"end":54.864998,"sentiment":"neutral","sentiment_score":0.13784226328134536},{"text":"Been busy?","start":54.864998,"end":55.605,"sentiment":"neutral","sentiment_score":0.00033814646303653544},{"text":"Oh, yeah.","start":62.37,"end":63.19,"sentiment":"neutral","sentiment_score":-0.16917511820793152},{"text":"Yeah.","start":67.09,"end":67.409996,"sentiment":"neutral","sentiment_score":-0.06363910436630249}],"sentiment":"neutral","sentiment_score":0.05598687278953465,"num_words":11,"start":52.945,"end":67.409996},{"sentences":[{"text":"Well, sometimes it's like that.","start":67.409996,"end":69.43,"sentiment":"neutral","sentiment_score":-0.07977457791566848},{"text":"Especially at the end of the week too.","start":75.015,"end":76.795,"sentiment":"neutral","sentiment_score":-0.05321446945890784},{"text":"Yes.","start":86.71,"end":87.21,"sentiment":"neutral","sentiment_score":-0.07506668567657471},{"text":"She's not saying anything.","start":89.11,"end":90.33,"sentiment":"neutral","sentiment_score":-0.13879558071494102},{"text":"Well, I will try not to keep you for too long today.","start":93.67,"end":96.57,"sentiment":"neutral","sentiment_score":-0.013631133207430443}],"sentiment":"neutral","sentiment_score":-0.05394704174250364,"num_words":30,"start":67.409996,"end":96.57},{"sentences":[{"text":"Do you have access to your emails?","start":97.985,"end":99.604996,"sentiment":"neutral","sentiment_score":0.009982270055583544},{"text":"Yes.","start":102.945,"end":103.424995,"sentiment":"neutral","sentiment_score":0.03101665899157524},{"text":"Okay.","start":103.424995,"end":103.924995,"sentiment":"neutral","sentiment_score":0.010397184640169144},{"text":"Sorry.","start":104.384995,"end":104.884995,"sentiment":"neutral","sentiment_score":-0.013248665258288383},{"text":"Yeah.","start":109.024994,"end":109.524994,"sentiment":"neutral","sentiment_score":0.01154029369354248}],"sentiment":"neutral","sentiment_score":0.009961942041462118,"num_words":11,"start":97.985,"end":109.524994},{"sentences":[{"text":"Whatever works for you.","start":110.0,"end":111.92,"sentiment":"neutral","sentiment_score":0.02654850296676159},{"text":"Yeah.","start":111.92,"end":112.42,"sentiment":"neutral","sentiment_score":0.03899083286523819},{"text":"Okay.","start":123.455,"end":123.955,"sentiment":"neutral","sentiment_score":0.033603236079216},{"text":"Yeah.","start":126.095,"end":126.575,"sentiment":"neutral","sentiment_score":0.025228066369891167},{"text":"So kind of same thing.","start":126.575,"end":128.575,"sentiment":"neutral","sentiment_score":-0.00838686190545559}],"sentiment":"neutral","sentiment_score":0.013506819804509481,"num_words":12,"start":110.0,"end":128.575},{"sentences":[{"text":"If you click on it, it will still just allow you to open up any like, everything, and you can always go back and have a look at it before having to decide what you want to do.","start":128.575,"end":138.6,"sentiment":"neutral","sentiment_score":0.1525706233162629},{"text":"So you don't have to decide, by the way.","start":138.74,"end":140.68001,"sentiment":"neutral","sentiment_score":0.09789193007681105},{"text":"So if you can click on it, then you should see a cover page.","start":140.82,"end":144.5,"sentiment":"neutral","sentiment_score":0.05955371553344386},{"text":"Does it say OQ Financial statement of advice?","start":144.5,"end":147.56,"sentiment":"neutral","sentiment_score":0.03783655818551779},{"text":"Yes.","start":150.39499,"end":150.795,"sentiment":"neutral","sentiment_score":0.13386093080043793}],"sentiment":"neutral","sentiment_score":0.11355737814945834,"num_words":70,"start":128.575,"end":150.795},{"sentences":[{"text":"Yeah.","start":150.795,"end":151.19499,"sentiment":"positive","sentiment_score":0.34974586963653564},{"text":"Perfect.","start":151.19499,"end":151.69499,"sentiment":"positive","sentiment_score":0.6938021183013916},{"text":"Now every time we do make a recommendation and do personalized tailored advice, we have to put everything in a statement of advice for you just to make sure you are fully aware and across everything that is happening.","start":152.635,"end":167.91,"sentiment":"positive","sentiment_score":0.3819069021787399},{"text":"Now a lot of it is just compliances.","start":168.45,"end":170.79,"sentiment":"neutral","sentiment_score":0.12598546221852303},{"text":"So you will see it's about 36 pages.","start":171.09,"end":173.43,"sentiment":"neutral","sentiment_score":0.12502187117934227}],"sentiment":"neutral","sentiment_score":0.31484168140511765,"num_words":57,"start":150.795,"end":173.43},{"sentences":[{"text":"A lot of it, it is pretty straightforward and things you kind of already know.","start":173.49,"end":177.43,"sentiment":"neutral","sentiment_score":0.30725128650665284},{"text":"So I'll just kind of go through the most important aspects of the recommendation, and then you can always have a bit of a read over it in your own time as well.","start":177.715,"end":187.25499,"sentiment":"neutral","sentiment_score":0.19506133934765152},{"text":"Can you you should just be able to scroll through on this document.","start":192.37001,"end":196.47,"sentiment":"neutral","sentiment_score":0.02422246580513624},{"text":"Yeah.","start":200.13,"end":200.37001,"sentiment":"neutral","sentiment_score":0.020812155678868297},{"text":"Because if you press start, then usually it takes you straight to signature, which is what we don't really want right away.","start":200.37001,"end":206.545,"sentiment":"neutral","sentiment_score":-0.04675580620427023}],"sentiment":"neutral","sentiment_score":0.12324845203242842,"num_words":84,"start":173.49,"end":206.545},{"sentences":[{"text":"And if you press sign, what does it do?","start":211.325,"end":216.22499,"sentiment":"neutral","sentiment_score":-0.015525666582915518},{"text":"Okay.","start":229.515,"end":229.915,"sentiment":"neutral","sentiment_score":-0.0519268773496151},{"text":"Perfect.","start":229.915,"end":230.415,"sentiment":"neutral","sentiment_score":-0.1529937982559204},{"text":"Yeah.","start":231.75499,"end":232.075,"sentiment":"neutral","sentiment_score":0.032223157584667206},{"text":"Okay.","start":232.075,"end":232.39499,"sentiment":"neutral","sentiment_score":0.1159159690141678}],"sentiment":"neutral","sentiment_score":-0.015116349865610782,"num_words":13,"start":211.325,"end":232.39499},{"sentences":[{"text":"Great.","start":232.39499,"end":232.795,"sentiment":"positive","sentiment_score":0.5206811428070068},{"text":"Perfect.","start":232.795,"end":233.295,"sentiment":"positive","sentiment_score":0.4970581531524658},{"text":"That's good.","start":233.915,"end":234.73499,"sentiment":"positive","sentiment_score":0.46154820919036865},{"text":"So you can see that there is, like, a document, and there's, like, 36 pages in this document.","start":236.95499,"end":241.53499,"sentiment":"neutral","sentiment_score":0.07822386961844233},{"text":"Yeah.","start":241.67499,"end":241.995,"sentiment":"neutral","sentiment_score":0.07280534505844116}],"sentiment":"neutral","sentiment_score":0.14876829184915707,"num_words":23,"start":232.39499,"end":241.995},{"sentences":[{"text":"Okay.","start":241.995,"end":242.39499,"sentiment":"neutral","sentiment_score":0.23385167121887207},{"text":"Beautiful.","start":242.39499,"end":242.89499,"sentiment":"positive","sentiment_score":0.5481045842170715},{"text":"Now on the cover page as well, you can also see my details listed.","start":244.41,"end":247.93,"sentiment":"neutral","sentiment_score":0.16761226845639093},{"text":"So you can see my authorized representative number, which is basically just my license number, and I am, obviously, licensed under OQ Financial, and you can see a lot of contact details and everything there on the cover page for you.","start":247.93,"end":259.625,"sentiment":"neutral","sentiment_score":0.06614134715097707},{"text":"Yep.","start":260.885,"end":261.36502,"sentiment":"neutral","sentiment_score":0.0985681414604187}],"sentiment":"neutral","sentiment_score":0.10239467911165336,"num_words":58,"start":241.995,"end":261.36502},{"sentences":[{"text":"Now if you wanna scroll to the second page, it talks a little bit about that best interest you did.","start":261.36502,"end":267.285,"sentiment":"neutral","sentiment_score":0.11040204651653766},{"text":"Do you remember ever hearing about that before?","start":267.285,"end":269.625,"sentiment":"neutral","sentiment_score":0.02065885765478015},{"text":"No.","start":275.86,"end":276.1,"sentiment":"neutral","sentiment_score":-0.17569443583488464},{"text":"That's okay.","start":276.1,"end":277.0,"sentiment":"neutral","sentiment_score":-0.12162351235747337},{"text":"Basically, what it means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice.","start":279.06,"end":290.245,"sentiment":"neutral","sentiment_score":0.026920705820832933}],"sentiment":"neutral","sentiment_score":0.043887803556792664,"num_words":66,"start":261.36502,"end":290.245},{"sentences":[{"text":"Otherwise, we can't actually make the recommendation.","start":290.54498,"end":292.965,"sentiment":"neutral","sentiment_score":-0.2814105898141861},{"text":"Yeah.","start":295.025,"end":295.525,"sentiment":"neutral","sentiment_score":0.009626425802707672},{"text":"So, basically, there's a lot of compliance and a lot of legislation in place to protect you and making sure that we always do what's best for you at the end of the day.","start":295.66498,"end":304.49002,"sentiment":"neutral","sentiment_score":0.0708761664436144},{"text":"Yep.","start":305.75,"end":306.25,"sentiment":"positive","sentiment_score":0.33699771761894226},{"text":"Perfect.","start":306.71002,"end":307.21002,"sentiment":"positive","sentiment_score":0.5387829542160034}],"sentiment":"neutral","sentiment_score":0.03012096881866455,"num_words":44,"start":290.54498,"end":307.21002},{"sentences":[{"text":"Now as you scroll through, you'll see table of content, pretty self explanatory.","start":307.43002,"end":311.53,"sentiment":"neutral","sentiment_score":0.21058487662902245},{"text":"You can also see on the next page, it says scope of advice.","start":312.685,"end":317.025,"sentiment":"neutral","sentiment_score":0.10653782177429932},{"text":"So that kind of spills over three different pages.","start":317.245,"end":320.305,"sentiment":"neutral","sentiment_score":0.05726573947403166},{"text":"Basically, what it talks about is just the areas we are looking at today.","start":321.085,"end":325.025,"sentiment":"neutral","sentiment_score":0.08912938301052366},{"text":"So, basically, today, what we are focusing on is your superannuation, making sure everything is set up correctly, focus on growing that as much as possible before retirement.","start":325.65002,"end":336.23,"sentiment":"neutral","sentiment_score":0.13469858015222208}],"sentiment":"neutral","sentiment_score":0.12542023819375347,"num_words":77,"start":307.43002,"end":336.23},{"sentences":[{"text":"If we needed to make any changes to your investments, and then also looking at that salary sacrificing, increase your as well.","start":337.09003,"end":345.605,"sentiment":"neutral","sentiment_score":0.02701455642553893},{"text":"Now I have also included just some information in regards to a will and power of attorney Just so you have a little bit of information, it's always something I recommend everyone to consider.","start":346.545,"end":358.15997,"sentiment":"neutral","sentiment_score":0.14262786398039146},{"text":"So I have just included that for you.","start":358.62,"end":360.96,"sentiment":"neutral","sentiment_score":0.20541947521269321},{"text":"Not making any changes to insurances, and we have this kind of scoped out personal investments for now for that to be reassessed next year with school fees and everything being in a little bit better position.","start":361.97998,"end":374.85498,"sentiment":"neutral","sentiment_score":0.06858423593881968},{"text":"Yep.","start":376.51498,"end":377.01498,"sentiment":"neutral","sentiment_score":0.19728508591651917}],"sentiment":"neutral","sentiment_score":0.0962933846475447,"num_words":102,"start":337.09003,"end":377.01498},{"sentences":[{"text":"Now now after you then scroll through to page six, you should say limited advice.","start":377.715,"end":384.375,"sentiment":"neutral","sentiment_score":-0.007700961579879125},{"text":"Yep.","start":386.01,"end":386.49,"sentiment":"neutral","sentiment_score":-0.020214704796671867},{"text":"So, basically, this talks about that I'm not a legal practitioner, so I can't give you any legal advice.","start":386.49,"end":392.66998,"sentiment":"neutral","sentiment_score":-0.09087778529838512},{"text":"So we would have to refer you on to someone if you do need assistance with that, but we can obviously make suggestions and recommendation on how to structure your super and your insurances.","start":392.97,"end":402.55502,"sentiment":"neutral","sentiment_score":-0.02484031076378682},{"text":"I just can't give you any legal advice.","start":403.17502,"end":405.27502,"sentiment":"neutral","sentiment_score":-0.15197203494608402}],"sentiment":"neutral","sentiment_score":-0.05094485577534546,"num_words":77,"start":377.715,"end":405.27502},{"sentences":[{"text":"Yes.","start":406.535,"end":407.035,"sentiment":"neutral","sentiment_score":0.14474257826805115},{"text":"Perfect.","start":407.255,"end":407.755,"sentiment":"positive","sentiment_score":0.3607589602470398},{"text":"Now on the next two pages, as you scroll through, you will just see some some information in regards to yourself.","start":408.375,"end":415.52,"sentiment":"neutral","sentiment_score":0.06228785544988655},{"text":"If you could just have a quick read over that for me just to see if that all looks good or if I need to make any changes in the back end for you.","start":415.9,"end":424.08,"sentiment":"neutral","sentiment_score":0.05511697173556861},{"text":"I do have here Okay.","start":432.365,"end":442.48,"sentiment":"neutral","sentiment_score":0.0042294604703783985}],"sentiment":"neutral","sentiment_score":0.059817271682644085,"num_words":62,"start":406.535,"end":442.48},{"sentences":[{"text":"Perfect.","start":442.54,"end":443.04,"sentiment":"neutral","sentiment_score":0.23791837692260745},{"text":"That's good.","start":443.18002,"end":444.0,"sentiment":"neutral","sentiment_score":0.32983721792697906},{"text":"It doesn't really change anything, but I will just change in the back end.","start":444.06003,"end":448.0,"sentiment":"neutral","sentiment_score":0.06579080426932446},{"text":"Are you on medication for it?","start":448.38,"end":450.80002,"sentiment":"neutral","sentiment_score":-0.009335764062901339},{"text":"No.","start":452.275,"end":452.595,"sentiment":"neutral","sentiment_score":-0.03603570535778999}],"sentiment":"neutral","sentiment_score":0.07194224095049624,"num_words":24,"start":442.54,"end":452.595},{"sentences":[{"text":"Okay.","start":452.595,"end":453.075,"sentiment":"neutral","sentiment_score":0.05466555058956146},{"text":"Perfect.","start":453.075,"end":453.575,"sentiment":"neutral","sentiment_score":0.29131272435188293},{"text":"Everything is great there.","start":453.635,"end":455.01498,"sentiment":"positive","sentiment_score":0.3888809382915497},{"text":"Yep.","start":456.355,"end":456.855,"sentiment":"neutral","sentiment_score":0.16861996054649353},{"text":"Okay.","start":457.555,"end":458.035,"sentiment":"neutral","sentiment_score":0.1562957763671875}],"sentiment":"neutral","sentiment_score":0.2783022206276655,"num_words":8,"start":452.595,"end":458.035},{"sentences":[{"text":"Perfect.","start":458.035,"end":458.535,"sentiment":"neutral","sentiment_score":0.23898598551750183},{"text":"No.","start":458.595,"end":458.755,"sentiment":"neutral","sentiment_score":0.13563664257526398},{"text":"That is good.","start":458.755,"end":459.635,"sentiment":"neutral","sentiment_score":0.31836729248364765},{"text":"Nice and healthy, which is good.","start":459.635,"end":461.155,"sentiment":"positive","sentiment_score":0.5499036361773809},{"text":"I'll just make a little note in the back 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page.","start":470.93,"end":479.66998,"sentiment":"neutral","sentiment_score":0.06410648966474193},{"text":"Yep.","start":488.22498,"end":488.72498,"sentiment":"neutral","sentiment_score":0.16082166135311127}],"sentiment":"neutral","sentiment_score":0.061418695064882435,"num_words":24,"start":466.93,"end":488.72498},{"sentences":[{"text":"Perfect.","start":489.585,"end":490.085,"sentiment":"neutral","sentiment_score":0.3094054162502289},{"text":"Now the next page then takes us just to show you kind of the similar situation to we went through doing the annual review, list your insurances with MetLife, and then that you do have your super with Hub twenty four.","start":490.865,"end":503.56,"sentiment":"neutral","sentiment_score":0.0671498596486522},{"text":"Now the next page after that just talks talks a little bit about your risk profile.","start":505.14,"end":510.385,"sentiment":"neutral","sentiment_score":0.021011024247854948},{"text":"So we kind of touched on this quite a bit during the annual review.","start":510.385,"end":513.84503,"sentiment":"neutral","sentiment_score":0.02850873096446906},{"text":"And right now, we kind of decided that staying in a growth portfolio, which is what you are currently invested in, is kind of the best option for you given, you know, time horizon till retirement.","start":515.025,"end":527.87,"sentiment":"positive","sentiment_score":0.33817435718244976}],"sentiment":"neutral","sentiment_score":0.147890047610013,"num_words":108,"start":489.585,"end":527.87},{"sentences":[{"text":"Yeah.","start":528.49,"end":528.99,"sentiment":"neutral","sentiment_score":0.22535429894924164},{"text":"Any questions so far?","start":530.25,"end":531.44995,"sentiment":"neutral","sentiment_score":0.14904126524925232},{"text":"That's pretty straightforward.","start":531.44995,"end":532.58997,"sentiment":"positive","sentiment_score":0.43164776762326557},{"text":"No.","start":533.61,"end":534.075,"sentiment":"neutral","sentiment_score":0.12555910646915436},{"text":"Perfect.","start":534.955,"end":535.455,"sentiment":"positive","sentiment_score":0.4207504987716675}],"sentiment":"neutral","sentiment_score":0.26627722680568694,"num_words":10,"start":528.49,"end":535.455},{"sentences":[{"text":"Now a little bit about that risk profile just spills over to the next page as well.","start":535.755,"end":540.09503,"sentiment":"neutral","sentiment_score":0.07070041908060803},{"text":"Kind of talks about the asset allocation again, aiming for around that 8020 split like we mentioned during the annual review.","start":540.315,"end":547.38,"sentiment":"neutral","sentiment_score":0.08168763631866091},{"text":"Yep.","start":548.74,"end":549.24,"sentiment":"neutral","sentiment_score":0.08833800256252289},{"text":"Now the next page then talks about the actual super recommendation.","start":549.7,"end":554.12,"sentiment":"neutral","sentiment_score":0.09462877024303783},{"text":"So can you see that on page 12?","start":554.98,"end":557.16003,"sentiment":"neutral","sentiment_score":0.06807900266721845}],"sentiment":"neutral","sentiment_score":0.07915920661441211,"num_words":58,"start":535.755,"end":557.16003},{"sentences":[{"text":"Like, the heading says Yes.","start":560.995,"end":570.67505,"sentiment":"neutral","sentiment_score":0.0592305988073349},{"text":"That's the one.","start":570.67505,"end":571.655,"sentiment":"neutral","sentiment_score":0.16764586667219797},{"text":"Yep.","start":571.715,"end":572.1,"sentiment":"neutral","sentiment_score":0.23172664642333984},{"text":"So this one here outlines what the actual recommendation is that I have made.","start":572.18,"end":576.51996,"sentiment":"positive","sentiment_score":0.3375458036150251},{"text":"Now it also outlines the best interest you did and showing how the recommendation act in your best interest.","start":576.66,"end":583.48,"sentiment":"positive","sentiment_score":0.3782916727818941}],"sentiment":"neutral","sentiment_score":0.3081904827129273,"num_words":42,"start":560.995,"end":583.48},{"sentences":[{"text":"So when we do, obviously, make we make research all the time on different superannuation platforms and different superannuation funds just to make sure it's still the best option for you.","start":583.94,"end":596.295,"sentiment":"neutral","sentiment_score":0.22797139085108234},{"text":"So I did consider a lot of other options as an alternative to see.","start":596.67,"end":601.73,"sentiment":"neutral","sentiment_score":0.16952338282551085},{"text":"But for the time being, Hub twenty four is still very competitive.","start":601.87,"end":605.08997,"sentiment":"neutral","sentiment_score":0.3323689637084802},{"text":"It's very competitive when it comes to their fees in investment choices and flexibility.","start":605.70996,"end":610.69,"sentiment":"positive","sentiment_score":0.5148642701762063},{"text":"And I do use Hub twenty four for my personal super as well.","start":611.79,"end":615.385,"sentiment":"positive","sentiment_score":0.42121074749873233}],"sentiment":"neutral","sentiment_score":0.31086556595705805,"num_words":84,"start":583.94,"end":615.385},{"sentences":[{"text":"So I have not made a recommendation to change it.","start":615.525,"end":618.245,"sentiment":"neutral","sentiment_score":0.06074298918247223},{"text":"It's staying in Hub twenty four.","start":618.245,"end":620.265,"sentiment":"neutral","sentiment_score":0.24459116905927658},{"text":"I'm literally just changing a couple of your investments for you.","start":620.325,"end":624.185,"sentiment":"neutral","sentiment_score":0.2525379366495393},{"text":"Yep.","start":625.54,"end":625.94,"sentiment":"neutral","sentiment_score":0.27077144384384155},{"text":"Perfect.","start":625.94,"end":626.44,"sentiment":"positive","sentiment_score":0.4719001352787018}],"sentiment":"neutral","sentiment_score":0.19295054442923645,"num_words":29,"start":615.525,"end":626.44},{"sentences":[{"text":"Now as you scroll through, you will see some advantages, some disadvantages, and some risks associated with the recommendation along with alternatives.","start":626.81995,"end":639.14496,"sentiment":"neutral","sentiment_score":0.05315979146821932},{"text":"But I usually find the best way that people kind of is easiest way to look at it is if you wanna scroll down to page 16 for me first, it kind of summarizes everything in a table.","start":639.285,"end":652.505,"sentiment":"neutral","sentiment_score":0.1912062977881808},{"text":"Yep.","start":654.53,"end":655.03,"sentiment":"neutral","sentiment_score":0.11993269622325896},{"text":"So I often find this is a bit easier to look at because it kind of shows you kind of the impact and what is actually happening.","start":655.17,"end":661.27,"sentiment":"positive","sentiment_score":0.45467048441922225},{"text":"So you can see here your current situation.","start":661.97003,"end":664.71,"sentiment":"neutral","sentiment_score":0.26838485710322857}],"sentiment":"neutral","sentiment_score":0.23935905583978942,"num_words":96,"start":626.81995,"end":664.71},{"sentences":[{"text":"You can see your your super balance.","start":665.57495,"end":668.235,"sentiment":"positive","sentiment_score":0.3654036223888397},{"text":"You can see the total cost for everything as well as well as the five year rolling average on your current growth portfolio.","start":668.295,"end":677.435,"sentiment":"positive","sentiment_score":0.34230140434659045},{"text":"Now the reason we use a five year rolling average is to give us a little bit more certainty on how the portfolio has performed as well as the market.","start":679.08,"end":688.38,"sentiment":"neutral","sentiment_score":0.1533305955429872},{"text":"So one of the risk is that there's always a level of risk associated with any investment option.","start":688.52,"end":693.90497,"sentiment":"neutral","sentiment_score":-0.11623612087633875},{"text":"We obviously can't guarantee anything, but that is why we're using a five year rolling average.","start":694.20496,"end":700.685,"sentiment":"neutral","sentiment_score":-0.014818686293438077}],"sentiment":"neutral","sentiment_score":0.1351204932607869,"num_words":94,"start":665.57495,"end":700.685},{"sentences":[{"text":"We're using the return over five year period and averaging that out to give us a little bit more certainty.","start":700.685,"end":707.55,"sentiment":"neutral","sentiment_score":0.13604548964649438},{"text":"Does that make sense?","start":707.69,"end":708.67004,"sentiment":"neutral","sentiment_score":0.03708808682858944},{"text":"Yeah.","start":709.85004,"end":710.17004,"sentiment":"neutral","sentiment_score":0.15614938735961914},{"text":"Perfect.","start":710.17004,"end":710.67004,"sentiment":"neutral","sentiment_score":0.26667994260787964},{"text":"Page 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kind of growth at the bottom.","start":722.675,"end":724.995,"sentiment":"neutral","sentiment_score":0.21551874144510788},{"text":"It's kind of like the last row in that table where it says five year rolling average.","start":724.995,"end":729.235,"sentiment":"neutral","sentiment_score":0.1411647393422968},{"text":"Yes.","start":729.235,"end":729.555,"sentiment":"neutral","sentiment_score":0.2784446179866791},{"text":"Perfect.","start":729.555,"end":730.055,"sentiment":"positive","sentiment_score":0.4931207299232483}],"sentiment":"neutral","sentiment_score":0.18318377339070843,"num_words":31,"start":722.435,"end":730.055},{"sentences":[{"text":"So what you can then see on the next column for the the next column to the right, you can then see the recommended.","start":730.995,"end":737.37,"sentiment":"neutral","sentiment_score":0.25962883544464904},{"text":"So like I said, staying in Hub twenty four and changing some of your investments.","start":738.70996,"end":743.13,"sentiment":"neutral","sentiment_score":0.2662994931141535},{"text":"Now you can actually see here when you look at the investment fee table that the recommended portfolio is quite a bit cheaper than your current portfolio.","start":743.82996,"end":755.535,"sentiment":"positive","sentiment_score":0.43586908280849457},{"text":"So it is saving you a little bit in fees each year, which is nice.","start":755.595,"end":759.055,"sentiment":"positive","sentiment_score":0.543996274471283},{"text":"Yeah.","start":760.075,"end":760.575,"sentiment":"neutral","sentiment_score":0.17179018259048462}],"sentiment":"positive","sentiment_score":0.36982663393747517,"num_words":82,"start":730.995,"end":760.575},{"sentences":[{"text":"Now I do wanna let you know if you look on the first row where it says a balance, and you can see that there's a difference of $922.","start":761.35004,"end":770.39,"sentiment":"neutral","sentiment_score":0.11665804709853797},{"text":"Can you see that?","start":770.39,"end":771.45,"sentiment":"neutral","sentiment_score":0.06876167468726635},{"text":"Yep.","start":776.16504,"end":776.645,"sentiment":"neutral","sentiment_score":0.06017225235700607},{"text":"So still on the same page, the fee comparison.","start":776.645,"end":778.825,"sentiment":"neutral","sentiment_score":0.07593244893683328},{"text":"Yeah.","start":789.06,"end":789.3,"sentiment":"neutral","sentiment_score":0.07922886312007904}],"sentiment":"neutral","sentiment_score":0.10183916410261934,"num_words":44,"start":761.35004,"end":789.3},{"sentences":[{"text":"Okay.","start":789.3,"end":789.54,"sentiment":"neutral","sentiment_score":0.07076786458492279},{"text":"So all the way at the top.","start":789.54,"end":790.89996,"sentiment":"neutral","sentiment_score":0.07222850248217583},{"text":"Now what this is is that every time we do sell investments, if they have gone up, There will be capital gains tax associated with making the change.","start":790.89996,"end":804.64496,"sentiment":"neutral","sentiment_score":-0.10731197121952261},{"text":"So we're obviously trying to minimize that as much as possible for you.","start":805.185,"end":809.365,"sentiment":"neutral","sentiment_score":0.10750828626064154},{"text":"It is all taken care of within the super environment when you execute the trade.","start":809.505,"end":814.84,"sentiment":"neutral","sentiment_score":0.30679270525773367}],"sentiment":"neutral","sentiment_score":0.055798913876060396,"num_words":64,"start":789.3,"end":814.84},{"sentences":[{"text":"So it's not something that you would have to pay for yourself or you have to worry about for tax return or anything like that.","start":814.84,"end":821.34,"sentiment":"neutral","sentiment_score":0.07299578100442887},{"text":"It is all just within the super environment.","start":821.8,"end":824.94,"sentiment":"neutral","sentiment_score":0.22232804633677006},{"text":"Now just for your reference, if we were looking at making a full sell down to change everything for you, the capital gains tax would have been about, excuse me, $5,105.","start":825.72003,"end":839.775,"sentiment":"neutral","sentiment_score":-0.012736661660094415},{"text":"So, obviously, trying to reduce that down for you while still making sure that we wanted to change out any investment that we felt was necessary to achieve your goals, but didn't want you paying that much in impact just for it.","start":840.38,"end":855.26,"sentiment":"neutral","sentiment_score":-0.05300552220571609},{"text":"So try to minimize that as much as possible, but it is something I do wanna let you know that there will be around that 922.","start":855.26,"end":864.565,"sentiment":"neutral","sentiment_score":0.07114187857279411}],"sentiment":"neutral","sentiment_score":0.0214556007166252,"num_words":132,"start":814.84,"end":864.565},{"sentences":[{"text":"Now it does change on a daily as well, obviously, with market fluctuations, but it will be around that 922.","start":864.78503,"end":873.23,"sentiment":"neutral","sentiment_score":0.04221029346808791},{"text":"But you can see that the investment fee is so it's saving you about $683 a year in, like, fees alone.","start":873.93,"end":883.79,"sentiment":"neutral","sentiment_score":0.14311607891605013},{"text":"So very quickly, you will then kind of recoup the capital gains tax, if that makes sense.","start":884.355,"end":889.895,"sentiment":"neutral","sentiment_score":0.05348949835580938},{"text":"Yep.","start":890.435,"end":890.935,"sentiment":"neutral","sentiment_score":0.08911814540624619},{"text":"Yep.","start":892.755,"end":893.255,"sentiment":"neutral","sentiment_score":0.25263723731040955}],"sentiment":"neutral","sentiment_score":0.08501200635607044,"num_words":60,"start":864.78503,"end":893.255},{"sentences":[{"text":"Perfect.","start":893.315,"end":893.815,"sentiment":"positive","sentiment_score":0.3969020247459411},{"text":"Now what I have also then compared is the per performance between the two portfolio.","start":894.115,"end":899.095,"sentiment":"neutral","sentiment_score":0.09741853748758635},{"text":"So you can see here that even though they're both growth, so we're not, like, increasing risk or anything like that, the recommended portfolio has performed a little bit better than your current portfolio, and it's a difference of about 2.45%, which is, again, makes a pretty big difference when you're compounding everything along with the saving in fees.","start":899.73,"end":922.825,"sentiment":"neutral","sentiment_score":0.10267271467689741},{"text":"Now this yeah.","start":924.805,"end":926.645,"sentiment":"neutral","sentiment_score":0.32009248932202655},{"text":"Now this table here also shows you, Let's see here.","start":926.645,"end":932.2,"sentiment":"neutral","sentiment_score":0.12063904255628585}],"sentiment":"neutral","sentiment_score":0.11457429711960933,"num_words":88,"start":893.315,"end":932.2},{"sentences":[{"text":"Yep.","start":932.58,"end":932.89996,"sentiment":"neutral","sentiment_score":0.23073488473892212},{"text":"Perfect.","start":932.89996,"end":933.38,"sentiment":"positive","sentiment_score":0.6139461994171143},{"text":"So that is all good.","start":933.38,"end":934.33997,"sentiment":"positive","sentiment_score":0.5989184498786926},{"text":"Any questions so far?","start":934.33997,"end":935.8,"sentiment":"neutral","sentiment_score":0.22086675837635994},{"text":"No.","start":937.38,"end":937.88,"sentiment":"neutral","sentiment_score":0.009602122008800508}],"sentiment":"positive","sentiment_score":0.394361874088645,"num_words":12,"start":932.58,"end":937.88},{"sentences":[{"text":"That all makes sense.","start":938.02,"end":939.06,"sentiment":"neutral","sentiment_score":0.10390109568834305},{"text":"Okay.","start":939.06,"end":939.56,"sentiment":"neutral","sentiment_score":0.23846691846847537},{"text":"Perfect.","start":939.7,"end":940.2,"sentiment":"positive","sentiment_score":0.42852944135665894},{"text":"So the next page shows you then a a five year projection forward and then also to age 65 so that you can kind of see the the compounding differences.","start":940.58,"end":953.97504,"sentiment":"neutral","sentiment_score":0.060850989818572995},{"text":"So it does make a pretty big difference.","start":955.73,"end":957.91,"sentiment":"neutral","sentiment_score":0.23004521057009697}],"sentiment":"neutral","sentiment_score":0.10792027549310164,"num_words":44,"start":938.02,"end":957.91},{"sentences":[{"text":"It does even small little tweaks because, obviously, with time, it does make a big difference.","start":959.88995,"end":966.14996,"sentiment":"neutral","sentiment_score":0.16712820762768388},{"text":"Yep.","start":968.065,"end":968.465,"sentiment":"neutral","sentiment_score":0.17255133390426636},{"text":"Perfect.","start":968.465,"end":968.965,"sentiment":"positive","sentiment_score":0.3741477131843567},{"text":"Now underneath it, you can then also see that I've included a little bit more information in regards to the performance over a different period of time so that you can see it.","start":969.505,"end":980.305,"sentiment":"neutral","sentiment_score":0.09445067856347922},{"text":"So I have included twelve months, three years, five years, and ten years.","start":980.305,"end":985.33,"sentiment":"neutral","sentiment_score":0.05792889199577845}],"sentiment":"neutral","sentiment_score":0.11079216183861718,"num_words":64,"start":959.88995,"end":985.33},{"sentences":[{"text":"And you can see that if even though your current one hasn't done too bad, the recommended has done a little bit better across all time frames.","start":985.63,"end":993.49005,"sentiment":"neutral","sentiment_score":0.07253488574039053},{"text":"Yep.","start":994.845,"end":995.345,"sentiment":"neutral","sentiment_score":0.18620219826698303},{"text":"Perfect.","start":996.125,"end":996.625,"sentiment":"positive","sentiment_score":0.3845910429954529},{"text":"Now on the next page, it then shows you your investment, so what I have recommended in regards to your investment.","start":997.485,"end":1006.225,"sentiment":"neutral","sentiment_score":0.09456046528759457},{"text":"Can you see that table okay?","start":1006.685,"end":1008.385,"sentiment":"neutral","sentiment_score":0.04077389712134997}],"sentiment":"neutral","sentiment_score":0.08499371982179582,"num_words":56,"start":985.63,"end":1008.385},{"sentences":[{"text":"Yep.","start":1009.77,"end":1010.27,"sentiment":"neutral","sentiment_score":0.03698092699050903},{"text":"Now this one here usually looks a little bit messy, but, basically, what it is, it shows you the investment name, so what you are currently invested in and what I have recommended.","start":1010.49,"end":1020.83,"sentiment":"neutral","sentiment_score":0.042118790757023926},{"text":"Next to it, you will have the special little kind of code.","start":1022.035,"end":1025.095,"sentiment":"neutral","sentiment_score":0.0382487626435856},{"text":"Next to that, you will have the percentage of what you are currently invested in, so how much you currently have in the investment.","start":1025.875,"end":1033.255,"sentiment":"neutral","sentiment_score":0.03862763661891222},{"text":"And then you will have what that looks like from a dollar value point of view, and then you have the buy and sell column.","start":1033.89,"end":1040.87,"sentiment":"neutral","sentiment_score":0.04887398198246956}],"sentiment":"neutral","sentiment_score":0.042471568443273246,"num_words":95,"start":1009.77,"end":1040.87},{"sentences":[{"text":"So everything that's in red is either what we are selling or just reducing how much you have exposure to that investment.","start":1040.93,"end":1050.435,"sentiment":"neutral","sentiment_score":0.03183718313547698},{"text":"Black is then what we are buying.","start":1052.3351,"end":1054.595,"sentiment":"neutral","sentiment_score":0.011936153950435775},{"text":"So new investment or increasing allocation to a current investment.","start":1054.655,"end":1058.915,"sentiment":"neutral","sentiment_score":0.07437829170376062},{"text":"Does that make sense?","start":1059.295,"end":1060.355,"sentiment":"neutral","sentiment_score":0.17681454867124557},{"text":"Yep.","start":1061.615,"end":1062.03,"sentiment":"neutral","sentiment_score":0.17017559707164764}],"sentiment":"neutral","sentiment_score":0.05466335944154046,"num_words":44,"start":1040.93,"end":1062.03},{"sentences":[{"text":"And then next to that, you have the target weight, so how much we are wanting in that investment and then kind of the corresponding balance.","start":1062.51,"end":1071.73,"sentiment":"neutral","sentiment_score":0.13259007667119688},{"text":"Now when we put together the investment portfolio, we are still using, like, the same concept.","start":1072.43,"end":1079.215,"sentiment":"neutral","sentiment_score":0.15724981110543013},{"text":"So still very much following that core and satellite approach to investment.","start":1079.755,"end":1085.135,"sentiment":"neutral","sentiment_score":0.1781884040683508},{"text":"Have you ever heard of that before?","start":1086.0751,"end":1087.6951,"sentiment":"neutral","sentiment_score":0.008559393297348703},{"text":"No.","start":1089.2699,"end":1089.7699,"sentiment":"neutral","sentiment_score":-0.04281984269618988}],"sentiment":"neutral","sentiment_score":0.13094670532812033,"num_words":62,"start":1062.51,"end":1089.7699},{"sentences":[{"text":"Basically, what it means is that we invest majority of the funds in what we call your core investment, which basically kind of represents the backbone of the portfolio.","start":1090.39,"end":1102.6499,"sentiment":"neutral","sentiment_score":0.09691166163197365},{"text":"And these are kind of your very, well diversified investments, that have done really well in the past and that we believe will continue to do so in the future.","start":1103.415,"end":1113.675,"sentiment":"positive","sentiment_score":0.3707540517052015},{"text":"So these will be, like, the biggest holdings.","start":1114.055,"end":1117.035,"sentiment":"neutral","sentiment_score":0.18805369921028614},{"text":"So for example, you can see iShares S and P five hundred.","start":1117.3351,"end":1122.85,"sentiment":"neutral","sentiment_score":0.12238709752758344},{"text":"So the one that says IVV, can you see that kind of mid mid down?","start":1123.31,"end":1127.89,"sentiment":"neutral","sentiment_score":0.07456597834825515}],"sentiment":"neutral","sentiment_score":0.1917513210395787,"num_words":94,"start":1090.39,"end":1127.89},{"sentences":[{"text":"You already have this in your portfolio at about 27.71%.","start":1128.11,"end":1132.93,"sentiment":"neutral","sentiment_score":0.19105094969272612},{"text":"We are just increasing it a little bit to 35.","start":1133.445,"end":1136.745,"sentiment":"neutral","sentiment_score":0.20973550975322724},{"text":"So this is one of those core investments.","start":1136.885,"end":1139.225,"sentiment":"neutral","sentiment_score":0.19281903468072414},{"text":"Now this one here, it is very diversified because it invests in the 500 largest companies listed in The US.","start":1139.9249,"end":1148.9049,"sentiment":"neutral","sentiment_score":0.20346071906387805},{"text":"So you have five 100 different companies.","start":1149.12,"end":1151.3,"sentiment":"neutral","sentiment_score":0.1901643435869898}],"sentiment":"neutral","sentiment_score":0.1991051210598512,"num_words":55,"start":1128.11,"end":1151.3},{"sentences":[{"text":"You will have all the big companies like Microsoft, Amazon, Apple, all the big companies.","start":1151.52,"end":1157.86,"sentiment":"neutral","sentiment_score":0.18654499848683676},{"text":"So very diversified for you.","start":1158.08,"end":1160.34,"sentiment":"neutral","sentiment_score":0.25080843865871427},{"text":"Now at the same time, though, we don't wanna make we don't wanna have just just investments in The US.","start":1161.775,"end":1167.135,"sentiment":"neutral","sentiment_score":-0.011265784315764905},{"text":"We wanna make sure we diversify things for you.","start":1167.135,"end":1170.435,"sentiment":"neutral","sentiment_score":0.11110725005467732},{"text":"So what we have swapped out, currently, your Australian investment is not Ben along Australian equity, which is the one I mentioned during the annual review that I really wanted to look at revisiting because it was underperforming.","start":1170.8151,"end":1183.06,"sentiment":"neutral","sentiment_score":-0.05833649517674195}],"sentiment":"neutral","sentiment_score":0.030000918598353177,"num_words":87,"start":1151.52,"end":1183.06},{"sentences":[{"text":"What I have then sub substituted for is it kind of spills over the next page, but it's the one that's called beta shares Australia two hundred.","start":1184.88,"end":1195.515,"sentiment":"neutral","sentiment_score":0.01922841328713629},{"text":"Can you see that?","start":1195.5751,"end":1196.635,"sentiment":"neutral","sentiment_score":0.03741071466356516},{"text":"So just the next page following that table because the the big table kind of flows on.","start":1202.535,"end":1208.45,"sentiment":"neutral","sentiment_score":0.006432689781136373},{"text":"Yeah.","start":1208.51,"end":1209.01,"sentiment":"neutral","sentiment_score":0.013147473335266112},{"text":"Yeah.","start":1211.79,"end":1212.29,"sentiment":"neutral","sentiment_score":0.07367434352636337}],"sentiment":"neutral","sentiment_score":0.017299751210957767,"num_words":50,"start":1184.88,"end":1212.29},{"sentences":[{"text":"Yeah.","start":1212.4299,"end":1212.51,"sentiment":"neutral","sentiment_score":0.2414887547492981},{"text":"Perfect.","start":1212.51,"end":1213.01,"sentiment":"positive","sentiment_score":0.4842497706413269},{"text":"So this is another one of those core investments.","start":1213.55,"end":1216.69,"sentiment":"neutral","sentiment_score":0.2236769265598721},{"text":"Again, very diversified because it invests in the 200 companies largest, but in Australia.","start":1216.83,"end":1223.745,"sentiment":"neutral","sentiment_score":0.2816033789089748},{"text":"So it gives you that kind of the difference.","start":1224.205,"end":1226.365,"sentiment":"neutral","sentiment_score":0.31872888074980843}],"sentiment":"neutral","sentiment_score":0.28087759105598226,"num_words":34,"start":1212.4299,"end":1226.365},{"sentences":[{"text":"So you'll have all the big banks and BHP and Woolworths.","start":1226.365,"end":1229.745,"sentiment":"neutral","sentiment_score":0.15966917438940567},{"text":"Again, very diversified for you.","start":1230.365,"end":1232.76,"sentiment":"positive","sentiment_score":0.35609617829322815},{"text":"Now if you scroll up through that first page, so the one that had the more of them, you then have your satellite investments.","start":1233.72,"end":1242.9401,"sentiment":"neutral","sentiment_score":0.04867553524672985},{"text":"Now these are the ones that will give you the most amount of growth, but they can also fluctuate.","start":1243.48,"end":1251.415,"sentiment":"neutral","sentiment_score":0.07851059389251627},{"text":"So they are a little bit more kind of dynamic, a little bit more specialized, and they kind of target different sectors, regions, or assets.","start":1251.635,"end":1261.095,"sentiment":"neutral","sentiment_score":0.02356526881456375}],"sentiment":"neutral","sentiment_score":0.08078437690467884,"num_words":84,"start":1226.365,"end":1261.095},{"sentences":[{"text":"So that's why we only have a smaller portion allocated through them.","start":1262.4701,"end":1266.15,"sentiment":"neutral","sentiment_score":-0.016547447148089606},{"text":"So not as high as what we had in the iShares S and P 500 or the beta shares a two a 200.","start":1266.15,"end":1273.77,"sentiment":"neutral","sentiment_score":-0.004188238562125227},{"text":"So, for example, you have, like, the bottom three in this table.","start":1274.31,"end":1279.455,"sentiment":"neutral","sentiment_score":0.05500340927392244},{"text":"So you have 9% in Europe.","start":1279.9149,"end":1282.6549,"sentiment":"neutral","sentiment_score":0.07957411309083302},{"text":"Again, very diversified investment because we wanna diversify you globally as well.","start":1282.875,"end":1289.135,"sentiment":"neutral","sentiment_score":0.18634422247608504}],"sentiment":"neutral","sentiment_score":0.047364883182140494,"num_words":65,"start":1262.4701,"end":1289.135},{"sentences":[{"text":"So that invests in Europe for you.","start":1289.48,"end":1292.3,"sentiment":"neutral","sentiment_score":0.06878282129764557},{"text":"You'd have 5% in Japan.","start":1292.4401,"end":1294.9401,"sentiment":"neutral","sentiment_score":0.08017354607582092},{"text":"Again, the big companies listed in Japan for you to give you that diversification and exposure.","start":1295.64,"end":1301.9,"sentiment":"neutral","sentiment_score":0.1067449920810759},{"text":"And then you do have 8% in an investment that's called Vanguard All World.","start":1302.755,"end":1307.8151,"sentiment":"neutral","sentiment_score":0.08063811116984912},{"text":"You may have heard of Vanguard before.","start":1308.035,"end":1309.875,"sentiment":"neutral","sentiment_score":0.016112436141286577}],"sentiment":"neutral","sentiment_score":0.07820383596177004,"num_words":49,"start":1289.48,"end":1309.875},{"sentences":[{"text":"They're quite big.","start":1309.875,"end":1310.8551,"sentiment":"neutral","sentiment_score":0.022327165429790814},{"text":"Yeah.","start":1313.7151,"end":1314.2151,"sentiment":"neutral","sentiment_score":0.021014925092458725},{"text":"Yeah.","start":1314.435,"end":1314.935,"sentiment":"neutral","sentiment_score":0.02200433239340782},{"text":"So this one here does invest in companies all around the world, but it excludes The US.","start":1315.2351,"end":1322.67,"sentiment":"neutral","sentiment_score":0.005549484206473126},{"text":"Because you already have exposure to The US market in that iShares S and P 500, and we don't want too much allocation to one area either.","start":1323.13,"end":1332.01,"sentiment":"neutral","sentiment_score":-0.03501784556579811}],"sentiment":"neutral","sentiment_score":-0.015125302959005443,"num_words":49,"start":1309.875,"end":1332.01},{"sentences":[{"text":"Does that make sense?","start":1332.01,"end":1333.0701,"sentiment":"neutral","sentiment_score":0.046504450496286154},{"text":"Yep.","start":1334.475,"end":1334.875,"sentiment":"neutral","sentiment_score":0.20088565349578855},{"text":"Yep.","start":1334.875,"end":1335.375,"sentiment":"positive","sentiment_score":0.36262327432632446},{"text":"Perfect.","start":1335.515,"end":1336.015,"sentiment":"positive","sentiment_score":0.7063543796539307},{"text":"Now you also obviously have some of that defensive to your investments to limit those fluctuations.","start":1336.475,"end":1342.655,"sentiment":"neutral","sentiment_score":0.24235735181719065}],"sentiment":"neutral","sentiment_score":0.23189559732766254,"num_words":23,"start":1332.01,"end":1342.655},{"sentences":[{"text":"So you have gold still in your portfolio.","start":1343.8351,"end":1346.5399,"sentiment":"neutral","sentiment_score":0.16886473260819912},{"text":"You had it before at seven point nine up just changing it to about 7%, but still maintaining that in your portfolio.","start":1346.7599,"end":1355.0199,"sentiment":"neutral","sentiment_score":0.13797316801818935},{"text":"You also had a fixed interest that I share is core composite bond.","start":1356.2799,"end":1359.885,"sentiment":"neutral","sentiment_score":0.1268344154724708},{"text":"You already had that in your portfolio, but it was at around 8.54, just reducing that down to about 5%.","start":1359.885,"end":1367.5851,"sentiment":"neutral","sentiment_score":0.12650648951530458},{"text":"You also had another satellite, the cybersecurity.","start":1368.685,"end":1371.265,"sentiment":"neutral","sentiment_score":0.0947786026767322}],"sentiment":"neutral","sentiment_score":0.1318393566778728,"num_words":70,"start":1343.8351,"end":1371.265},{"sentences":[{"text":"Again, you already had it in your portfolio, but you had it at about 8.34.","start":1371.5651,"end":1376.77,"sentiment":"neutral","sentiment_score":0.10225260804096857},{"text":"Just realigning it back through to 6% for you.","start":1376.8301,"end":1380.37,"sentiment":"neutral","sentiment_score":0.09789158362481329},{"text":"Do you have any questions in regards to any of the investments?","start":1381.79,"end":1384.61,"sentiment":"neutral","sentiment_score":0.0670283508176605},{"text":"No.","start":1386.4451,"end":1386.765,"sentiment":"neutral","sentiment_score":0.008867822587490082},{"text":"Perfect.","start":1386.765,"end":1387.265,"sentiment":"positive","sentiment_score":0.38899022340774536}],"sentiment":"neutral","sentiment_score":0.09518451655381605,"num_words":38,"start":1371.5651,"end":1387.265},{"sentences":[{"text":"Yep.","start":1389.405,"end":1389.905,"sentiment":"neutral","sentiment_score":0.1436058133840561},{"text":"Now in the appendix, which is the second attachment, if you ever wanted to just do some light reading and have a bit of a research on it, I have included all the investment links for each and every one of these investments.","start":1390.045,"end":1403.0801,"sentiment":"neutral","sentiment_score":0.08295704476362051},{"text":"So if you do ever wanna go and have a look at them, it's all all the research and everything is there for you.","start":1404.1001,"end":1410.195,"sentiment":"neutral","sentiment_score":0.19160620557765165},{"text":"Yep.","start":1411.3949,"end":1411.8949,"sentiment":"neutral","sentiment_score":0.16751335561275482},{"text":"Now you can also see the cash account you mentioned.","start":1412.2749,"end":1414.695,"sentiment":"neutral","sentiment_score":0.13879472613334656}],"sentiment":"neutral","sentiment_score":0.12487048467126073,"num_words":79,"start":1389.405,"end":1414.695},{"sentences":[{"text":"So with HUB24, they do have a minimum cash account that you need to have in your account of 1.25%.","start":1415.075,"end":1423.6549,"sentiment":"neutral","sentiment_score":0.11564338207244873},{"text":"Now when, obviously, contributions and stuff go in through superannuation, it can fluctuate a little bit, but it does even out when we do place trades.","start":1424.26,"end":1434.76,"sentiment":"neutral","sentiment_score":0.06113956066278311},{"text":"But we do wanna keep it as close to that 1.25 as possible because your cash isn't gonna grow same as your other investments.","start":1435.0599,"end":1443.5549,"sentiment":"neutral","sentiment_score":0.07881318071546654},{"text":"So we do wanna kind of state that minimum amount, if that makes sense.","start":1443.5549,"end":1447.015,"sentiment":"neutral","sentiment_score":0.12113005109131336},{"text":"Yep.","start":1447.715,"end":1448.215,"sentiment":"neutral","sentiment_score":0.01932915672659874}],"sentiment":"neutral","sentiment_score":0.08834308738655904,"num_words":85,"start":1415.075,"end":1448.215},{"sentences":[{"text":"Perfect.","start":1448.835,"end":1449.335,"sentiment":"positive","sentiment_score":0.33382463455200195},{"text":"Now the next page then shows you the proposed asset allocation.","start":1449.955,"end":1454.615,"sentiment":"neutral","sentiment_score":0.13598378138108688},{"text":"It's like a pie chart and another table.","start":1455.45,"end":1458.09,"sentiment":"neutral","sentiment_score":0.10659887176007032},{"text":"Can you see that?","start":1458.09,"end":1459.07,"sentiment":"neutral","sentiment_score":0.0899664219468832},{"text":"Yep.","start":1460.1699,"end":1460.6699,"sentiment":"neutral","sentiment_score":0.14998117089271543}],"sentiment":"neutral","sentiment_score":0.12769136250019072,"num_words":25,"start":1448.835,"end":1460.6699},{"sentences":[{"text":"Perfect.","start":1460.73,"end":1461.23,"sentiment":"neutral","sentiment_score":0.16136297583580017},{"text":"Now this one here shows you the the difference between the two the two portfolios.","start":1461.61,"end":1467.47,"sentiment":"neutral","sentiment_score":0.02586503910521666},{"text":"So you can see your risk profile aiming for around that $80.20 mark, but it does can change or fluctuate a little bit up to about $85.15 depending on, again, kind of prices and everything like that.","start":1468.445,"end":1483.8,"sentiment":"neutral","sentiment_score":0.0007498682967412311},{"text":"You then have your existing, so what you are currently invested in, and then you have the proposed.","start":1484.76,"end":1489.9,"sentiment":"neutral","sentiment_score":0.09222236461937428},{"text":"So both portfolios are quite fairly similar and both aligning within that growth profile, if that makes sense.","start":1490.6001,"end":1499.02,"sentiment":"neutral","sentiment_score":0.24664102329148185}],"sentiment":"neutral","sentiment_score":0.07501825473920097,"num_words":89,"start":1460.73,"end":1499.02},{"sentences":[{"text":"Yep.","start":1500.195,"end":1500.695,"sentiment":"neutral","sentiment_score":0.26889753341674805},{"text":"Perfect.","start":1501.635,"end":1502.135,"sentiment":"positive","sentiment_score":0.5941027998924255},{"text":"Now the next table or next page shows you a retirement income calculator.","start":1502.915,"end":1509.1749,"sentiment":"neutral","sentiment_score":0.15267920952576858},{"text":"Have you ever seen something like this before?","start":1509.315,"end":1511.255,"sentiment":"neutral","sentiment_score":0.03408068371936679},{"text":"No.","start":1513.37,"end":1513.53,"sentiment":"neutral","sentiment_score":-0.04473888874053955}],"sentiment":"neutral","sentiment_score":0.12815569325660667,"num_words":24,"start":1500.195,"end":1513.53},{"sentences":[{"text":"So, basically, this one here, it is to kind of just show you how things are tracking at the moment and, obviously, including that salary sacrifice for you.","start":1513.53,"end":1523.23,"sentiment":"neutral","sentiment_score":-0.014437121006527118},{"text":"So it shows you that if you wanted to retire at 65, what you have then your your kind of dark green is the income drawn from your superannuation.","start":1523.705,"end":1537.485,"sentiment":"neutral","sentiment_score":0.012034568357570418},{"text":"So if we targeted about a thousand dollars per week as an income just to support yourself, it shows you that your superannuation will last, if things obviously are tracking, until about 91.","start":1538.5499,"end":1553.7699,"sentiment":"neutral","sentiment_score":0.08643970548203497},{"text":"Now what this also shows is that what we have done, and it obviously depends on how long you are working for and your risk tolerance.","start":1554.895,"end":1562.1951,"sentiment":"neutral","sentiment_score":0.033769385889172554},{"text":"But to be more conservative, what I'd like to do is assuming that when you retire, to after 65, you will be in a defensive 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sense.","start":1581.605,"end":1595.625,"sentiment":"neutral","sentiment_score":0.06946259623636371},{"text":"Yep.","start":1596.6599,"end":1597.1599,"sentiment":"neutral","sentiment_score":0.1624145358800888},{"text":"Yeah.","start":1598.8999,"end":1599.1399,"sentiment":"neutral","sentiment_score":0.09672364592552184},{"text":"And then you have the light blue kind of under it.","start":1599.1399,"end":1602.6799,"sentiment":"neutral","sentiment_score":0.05910246954722838}],"sentiment":"neutral","sentiment_score":0.06107806423917795,"num_words":78,"start":1573.28,"end":1602.6799},{"sentences":[{"text":"That would then be age pension.","start":1602.74,"end":1604.6799,"sentiment":"neutral","sentiment_score":0.049861945832769074},{"text":"So, obviously, depending on situation at the time, but it will also show that you can get a little bit from about 69, and then that kind of takes you through as 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income.","start":1661.02,"end":1679.2,"sentiment":"neutral","sentiment_score":0.30317349691648743},{"text":"So that's what makes it kind of tax effective.","start":1679.2,"end":1681.62,"sentiment":"neutral","sentiment_score":0.29214250213570064},{"text":"But aside from, obviously, that it does boost your superannuation.","start":1682.08,"end":1685.22,"sentiment":"neutral","sentiment_score":0.3179962694644928},{"text":"It means you have more money being invested for a longer period of time as well.","start":1685.6,"end":1690.965,"sentiment":"neutral","sentiment_score":0.28847476840019226}],"sentiment":"neutral","sentiment_score":0.2805936961288912,"num_words":83,"start":1656.3,"end":1690.965},{"sentences":[{"text":"Obviously, the thing to be mindful of is that contributions that you put into superannuation, it will reduce your cash flow a little bit, and it will also be locked in until you meet a condition of release.","start":1692.325,"end":1706.505,"sentiment":"neutral","sentiment_score":-0.13214046419843248},{"text":"So for example, if you turn 60 and stop working.","start":1706.6599,"end":1710.5199,"sentiment":"neutral","sentiment_score":-0.10098869130015373},{"text":"So, obviously, make sure it's not kind of money that you do need on no.","start":1710.82,"end":1719.495,"sentiment":"neutral","sentiment_score":-0.13001591265201567},{"text":"But you can't take the money out.","start":1719.635,"end":1721.235,"sentiment":"neutral","sentiment_score":-0.22758033871650696},{"text":"So let's say you yeah.","start":1721.235,"end":1724.455,"sentiment":"neutral","sentiment_score":-0.051033026352524755}],"sentiment":"neutral","sentiment_score":-0.13106254326800507,"num_words":75,"start":1692.325,"end":1724.455},{"sentences":[{"text":"Yes.","start":1725.475,"end":1725.975,"sentiment":"neutral","sentiment_score":0.04744196683168411},{"text":"Perfect.","start":1726.195,"end":1726.695,"sentiment":"neutral","sentiment_score":0.2550698518753052},{"text":"But no.","start":1726.835,"end":1727.395,"sentiment":"neutral","sentiment_score":-0.116757333278656},{"text":"If you go to your employer tomorrow and say, yeah, a $100 a fortnight, And then in two weeks, you go, no.","start":1727.395,"end":1733.98,"sentiment":"neutral","sentiment_score":-0.10148903477767651},{"text":"I don't want it.","start":1733.98,"end":1734.54,"sentiment":"neutral","sentiment_score":-0.30202924460172653}],"sentiment":"neutral","sentiment_score":-0.11239595304553708,"num_words":30,"start":1725.475,"end":1734.54},{"sentences":[{"text":"Just tell your employer and they stop it.","start":1734.54,"end":1736.38,"sentiment":"neutral","sentiment_score":-0.2277428898960352},{"text":"You can start and stop whenever you've gone through.","start":1736.38,"end":1738.8,"sentiment":"neutral","sentiment_score":-0.0559392414159245},{"text":"Correct.","start":1742.22,"end":1742.72,"sentiment":"neutral","sentiment_score":0.07300609350204468},{"text":"Yes.","start":1742.9401,"end":1743.4401,"sentiment":"neutral","sentiment_score":0.08478499948978424},{"text":"So, obviously, something to be mindful 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1,768.","start":1767.8,"end":1778.815,"sentiment":"neutral","sentiment_score":0.061952843988204706},{"text":"And exactly.","start":1781.035,"end":1782.975,"sentiment":"neutral","sentiment_score":-0.005748765543103218}],"sentiment":"neutral","sentiment_score":0.049322086452905624,"num_words":70,"start":1746.875,"end":1782.975},{"sentences":[{"text":"So sometimes seeing it on on this scale, it kind of like, oh, okay.","start":1783.6749,"end":1788.01,"sentiment":"neutral","sentiment_score":0.033658159763685296},{"text":"Well, that's not too bad.","start":1788.01,"end":1789.47,"sentiment":"neutral","sentiment_score":0.11547561138868331},{"text":"That's always something you can change as well.","start":1789.61,"end":1792.11,"sentiment":"neutral","sentiment_score":0.148369662463665},{"text":"Now underneath it, it then shows you the impact on the superannuation.","start":1793.2899,"end":1797.7899,"sentiment":"neutral","sentiment_score":0.12207131149868171},{"text":"So it shows you the contributions you're getting from your employer.","start":1798.6549,"end":1802.0349,"sentiment":"neutral","sentiment_score":0.13153987445614554}],"sentiment":"neutral","sentiment_score":0.10294687900692225,"num_words":50,"start":1783.6749,"end":1802.0349},{"sentences":[{"text":"It then shows you on the proposed side, the salary sacrificed amount.","start":1802.335,"end":1807.1549,"sentiment":"neutral","sentiment_score":0.09505395591259003},{"text":"Again, obviously, tax is paid on contributions, and then you have the net contribution.","start":1807.9349,"end":1814.35,"sentiment":"neutral","sentiment_score":0.10167673655918666},{"text":"So you can see that it is boosting your super by about $2,210.","start":1814.5701,"end":1822.11,"sentiment":"neutral","sentiment_score":0.24915862885805276},{"text":"And when you do factor in extra super minus the income, it still puts you in a better off position by about $442.","start":1822.89,"end":1832.325,"sentiment":"neutral","sentiment_score":0.010765221779761107},{"text":"Yeah.","start":1833.825,"end":1834.325,"sentiment":"neutral","sentiment_score":0.11648867279291152}],"sentiment":"neutral","sentiment_score":0.09789321796288566,"num_words":63,"start":1802.335,"end":1834.325},{"sentences":[{"text":"Does that make sense?","start":1834.465,"end":1835.605,"sentiment":"neutral","sentiment_score":0.14368394017219543},{"text":"Yeah.","start":1837.105,"end":1837.5049,"sentiment":"neutral","sentiment_score":0.21490712463855743},{"text":"Okay.","start":1837.5049,"end":1838.0049,"sentiment":"neutral","sentiment_score":0.3083311915397644},{"text":"Perfect.","start":1838.065,"end":1838.565,"sentiment":"positive","sentiment_score":0.411418616771698},{"text":"Again, on the next pages, it shows you advantages, disadvantages, and risks.","start":1838.945,"end":1843.71,"sentiment":"neutral","sentiment_score":0.1987549535309275}],"sentiment":"neutral","sentiment_score":0.2049711650531543,"num_words":19,"start":1834.465,"end":1843.71},{"sentences":[{"text":"But kind of like we touched on, a big advantage is it continues to boost and grow your superannuation, reduces tax payable, which is fantastic.","start":1844.4299,"end":1852.77,"sentiment":"positive","sentiment_score":0.515000672340393},{"text":"But a disadvantage is that you will obviously have a little bit of that reduced net income.","start":1853.39,"end":1858.37,"sentiment":"negative","sentiment_score":-0.5542699931298986},{"text":"It's locked in until you act can access the money.","start":1859.3451,"end":1864.405,"sentiment":"neutral","sentiment_score":-0.3039003312587738},{"text":"One of the risks is that there's always a potential change to legislation.","start":1865.5851,"end":1869.4451,"sentiment":"negative","sentiment_score":-0.4069056786023654},{"text":"But, obviously, if that were to change or if it was to drastically decrease, which I doubt is usually the opposite.","start":1871.105,"end":1877.16,"sentiment":"neutral","sentiment_score":-0.28682849804560345}],"sentiment":"neutral","sentiment_score":-0.12674126358226287,"num_words":86,"start":1844.4299,"end":1877.16},{"sentences":[{"text":"It's just obviously something we would have to just revisit if we need to make any changes.","start":1877.78,"end":1881.9601,"sentiment":"neutral","sentiment_score":-0.20447088427403393},{"text":"Yep.","start":1883.4601,"end":1883.9601,"sentiment":"neutral","sentiment_score":0.17773538827896118},{"text":"Perfect.","start":1884.02,"end":1884.52,"sentiment":"positive","sentiment_score":0.5012971758842468},{"text":"Now an alternative considered, so that is page 23, is instead of doing salary sacrifice, if you just do a lump sum, you 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straightforward.","start":1940.16,"end":1941.62,"sentiment":"neutral","sentiment_score":0.19118249788880348},{"text":"No?","start":1943.665,"end":1944.165,"sentiment":"neutral","sentiment_score":-0.04406752064824104},{"text":"Yep.","start":1944.9451,"end":1945.4451,"sentiment":"neutral","sentiment_score":0.1279299259185791},{"text":"Perfect.","start":1945.505,"end":1946.005,"sentiment":"positive","sentiment_score":0.3667953312397003}],"sentiment":"neutral","sentiment_score":0.17714022689809403,"num_words":12,"start":1938.0,"end":1946.005},{"sentences":[{"text":"We're almost at the end.","start":1946.385,"end":1947.745,"sentiment":"neutral","sentiment_score":0.1418040782213211},{"text":"And the next two or next couple of pages, actually, it shows you a little bit more in regards to setting up a will.","start":1947.745,"end":1955.505,"sentiment":"neutral","sentiment_score":0.11899152677506208},{"text":"Just some information for you.","start":1955.505,"end":1957.525,"sentiment":"neutral","sentiment_score":0.08544388711452484},{"text":"And then, again, when it comes to power of attorney, the different types of power of attorney available as well that you can have a bit of a read over.","start":1958.13,"end":1967.51,"sentiment":"neutral","sentiment_score":0.068025246138374},{"text":"Yep.","start":1969.01,"end":1969.51,"sentiment":"neutral","sentiment_score":0.15172427892684937}],"sentiment":"neutral","sentiment_score":0.09514643280551983,"num_words":65,"start":1946.385,"end":1969.51},{"sentences":[{"text":"Perfect.","start":1969.65,"end":1970.15,"sentiment":"neutral","sentiment_score":0.019850317388772964},{"text":"Now that then takes us to our ongoing services, which obviously you would be aware of doing the under review, every twelve months, which is where we obviously reassess everything for you in detail.","start":1971.055,"end":1984.115,"sentiment":"neutral","sentiment_score":0.05845860988997361},{"text":"But it doesn't mean that we have to wait to under review.","start":1984.73,"end":1987.05,"sentiment":"neutral","sentiment_score":0.05997989730288585},{"text":"So if at any point in time, obviously, you guys want an appointment or there's anything any questions or anything you need, you know, there's no additional fees or charges at all if you wanted to do monthly catch up or quarterly catch up or just call whenever you have a question.","start":1987.05,"end":2002.775,"sentiment":"neutral","sentiment_score":0.1633712245294681},{"text":"There is no changes.","start":2003.3151,"end":2004.4551,"sentiment":"neutral","sentiment_score":0.18818434327840805}],"sentiment":"neutral","sentiment_score":0.11626449388280077,"num_words":103,"start":1969.65,"end":2004.4551},{"sentences":[{"text":"So that's all just kind of part part of the service for you.","start":2004.5951,"end":2007.655,"sentiment":"positive","sentiment_score":0.4284023917638339},{"text":"Yep.","start":2009.3151,"end":2009.8151,"sentiment":"neutral","sentiment_score":0.18011735379695892},{"text":"Now the last thing is then in regards to the remuneration again.","start":2010.275,"end":2015.3,"sentiment":"neutral","sentiment_score":0.07011110490808885},{"text":"So that is page 31 or 32.","start":2015.3,"end":2018.36,"sentiment":"neutral","sentiment_score":0.058054499860320775},{"text":"Yep.","start":2020.18,"end":2020.68,"sentiment":"neutral","sentiment_score":0.17130300402641296}],"sentiment":"neutral","sentiment_score":0.21083430025507421,"num_words":34,"start":2004.5951,"end":2020.68},{"sentences":[{"text":"So kind of like I mentioned in the annual review, no changes whatsoever in regards to the fee structure.","start":2020.74,"end":2026.935,"sentiment":"neutral","sentiment_score":0.14459792916712008},{"text":"And, again, obviously, because we have both of you as clients, you are on that reduced 1.1% from Super.","start":2027.395,"end":2035.5751,"sentiment":"positive","sentiment_score":0.4258016771391818},{"text":"And so that's not changing.","start":2036.7,"end":2038.0599,"sentiment":"neutral","sentiment_score":0.2904213786125183},{"text":"So if you are happy and you wanted to go ahead with the recommendation, there is no additional fees or charges at all to implement that.","start":2038.0599,"end":2045.66,"sentiment":"positive","sentiment_score":0.3734408668600596},{"text":"That is all part of the service.","start":2045.66,"end":2047.52,"sentiment":"positive","sentiment_score":0.43743933524404255}],"sentiment":"neutral","sentiment_score":0.32975312234147597,"num_words":76,"start":2020.74,"end":2047.52},{"sentences":[{"text":"And I have also just included just the insurances for your awareness.","start":2049.4448,"end":2053.545,"sentiment":"neutral","sentiment_score":0.2000765452782313},{"text":"So when it comes to the insurance, I'm not sure if you remember when we set them up for you, but we do get 22% commissions on the premium.","start":2053.9248,"end":2063.305,"sentiment":"neutral","sentiment_score":0.11862084076836191},{"text":"MetLife, so the insurer paying us, it is not you paying us.","start":2065.96,"end":2070.06,"sentiment":"neutral","sentiment_score":0.027730502653867006},{"text":"Before compliance, we have to disclose any commissions we receive so that you are fully aware.","start":2070.36,"end":2075.5,"sentiment":"neutral","sentiment_score":0.028981953160837293},{"text":"But, again, you don't pay for that.","start":2075.6401,"end":2077.74,"sentiment":"neutral","sentiment_score":-0.0977505131491593}],"sentiment":"neutral","sentiment_score":0.07833087652627575,"num_words":76,"start":2049.4448,"end":2077.74},{"sentences":[{"text":"Yep.","start":2079.205,"end":2079.705,"sentiment":"neutral","sentiment_score":0.2282571047544479},{"text":"Perfect.","start":2079.765,"end":2080.265,"sentiment":"positive","sentiment_score":0.578791618347168},{"text":"And that basically summarizes everything.","start":2080.805,"end":2083.545,"sentiment":"neutral","sentiment_score":0.32352911233901976},{"text":"So as you scroll through, you will see authority to proceed, and that basically just shows that if you are happy with the recommendation, what we are looking at doing is keeping your hub twenty four account, change some of those underlying investments, and then look to do that salary sacrifice for you as well.","start":2083.605,"end":2101.39,"sentiment":"neutral","sentiment_score":0.26947139013897287},{"text":"Yep.","start":2102.49,"end":2102.99,"sentiment":"neutral","sentiment_score":0.19126924872398376}],"sentiment":"neutral","sentiment_score":0.27677603160578107,"num_words":63,"start":2079.205,"end":2102.99},{"sentences":[{"text":"Perfect.","start":2103.45,"end":2103.95,"sentiment":"neutral","sentiment_score":0.14306756854057312},{"text":"Now the next page, it shows how to implement our advice.","start":2105.53,"end":2110.395,"sentiment":"neutral","sentiment_score":0.07481803880496458},{"text":"You don't really have to worry about it because if it was something that you wanted to do, we would do it all in the back end.","start":2110.695,"end":2117.195,"sentiment":"neutral","sentiment_score":0.1382289401910923},{"text":"The only thing would be that you would just contact your employer and say that you would like to start salary sacrificing.","start":2117.735,"end":2123.93,"sentiment":"neutral","sentiment_score":0.01709283689375628},{"text":"Yep.","start":2125.43,"end":2125.93,"sentiment":"neutral","sentiment_score":0.2557448744773865}],"sentiment":"neutral","sentiment_score":0.08596830107572098,"num_words":62,"start":2103.45,"end":2125.93},{"sentences":[{"text":"Perfect.","start":2126.31,"end":2126.81,"sentiment":"positive","sentiment_score":0.624003529548645},{"text":"Now that was essentially everything I had to go through.","start":2127.59,"end":2132.01,"sentiment":"neutral","sentiment_score":0.12532117143273352},{"text":"So, obviously, from here, if you wanted to take some time to read over these documents, you are more than welcome to do so.","start":2132.15,"end":2139.805,"sentiment":"neutral","sentiment_score":0.19180980076392493},{"text":"When you do have a read over it or if you are happy to go ahead with the recommendation, it will then be pretty straightforward.","start":2140.505,"end":2147.965,"sentiment":"neutral","sentiment_score":0.248420569896698},{"text":"It's the same as the annual review.","start":2148.025,"end":2149.645,"sentiment":"neutral","sentiment_score":0.18874114326068334}],"sentiment":"neutral","sentiment_score":0.20913959272317031,"num_words":67,"start":2126.31,"end":2149.645},{"sentences":[{"text":"Where you are or where it said start now to sign documents, it will just ask you to add a little signature at the end of the statement of advice, and it will then automatically send it back to me.","start":2150.06,"end":2162.505,"sentiment":"neutral","sentiment_score":0.18053563367575406},{"text":"And that tells me that you are happy with the recommendation, and I will let the team know to go ahead and make those changes for you.","start":2162.505,"end":2168.9248,"sentiment":"positive","sentiment_score":0.37472436880623855},{"text":"Yes.","start":2172.505,"end":2173.005,"sentiment":"neutral","sentiment_score":0.12056954950094224},{"text":"Exactly.","start":2173.305,"end":2173.805,"sentiment":"neutral","sentiment_score":0.17375555634498596},{"text":"Yep.","start":2174.1848,"end":2174.6848,"sentiment":"neutral","sentiment_score":0.14177480340003967}],"sentiment":"neutral","sentiment_score":0.25392976020063673,"num_words":70,"start":2150.06,"end":2174.6848},{"sentences":[{"text":"Perfect.","start":2174.8599,"end":2175.3599,"sentiment":"positive","sentiment_score":0.4604349136352539},{"text":"Now do you have any questions for me at all?","start":2176.3,"end":2179.3599,"sentiment":"neutral","sentiment_score":0.1837642088532448},{"text":"Yeah.","start":2181.0999,"end":2181.5999,"sentiment":"neutral","sentiment_score":0.1010693907737732},{"text":"Nope.","start":2181.74,"end":2182.24,"sentiment":"neutral","sentiment_score":0.07874656468629837},{"text":"Yes.","start":2185.74,"end":2186.24,"sentiment":"neutral","sentiment_score":0.050348274409770966}],"sentiment":"neutral","sentiment_score":0.18058865943125316,"num_words":14,"start":2174.8599,"end":2186.24},{"sentences":[{"text":"Yep.","start":2186.54,"end":2186.985,"sentiment":"neutral","sentiment_score":0.04047483205795288},{"text":"Yes.","start":2193.465,"end":2193.965,"sentiment":"neutral","sentiment_score":-0.025231122970581055},{"text":"Yeah.","start":2196.1052,"end":2196.6052,"sentiment":"neutral","sentiment_score":0.025599313899874687},{"text":"Yeah.","start":2198.8252,"end":2199.3252,"sentiment":"neutral","sentiment_score":0.06350740790367126},{"text":"And if you do let's say you you run through it and you go, no.","start":2200.19,"end":2204.93,"sentiment":"neutral","sentiment_score":0.16055364087224006}],"sentiment":"neutral","sentiment_score":0.13224500231444836,"num_words":19,"start":2186.54,"end":2204.93},{"sentences":[{"text":"I don't wanna start salary sacrificing yet, but I'm happy to make the investment change.","start":2205.0698,"end":2210.93,"sentiment":"neutral","sentiment_score":0.22233321890234947},{"text":"In the SOA, there's a little text box just before signing that it will allow you to type.","start":2211.47,"end":2218.1748,"sentiment":"neutral","sentiment_score":0.07089536409411165},{"text":"So you could just type there.","start":2218.1748,"end":2220.035,"sentiment":"neutral","sentiment_score":0.006855999585241079},{"text":"For example, if you go, no.","start":2220.095,"end":2221.855,"sentiment":"neutral","sentiment_score":-0.012417103784779707},{"text":"I don't wanna do salary sacrifice yet, which is perfectly fine.","start":2221.855,"end":2225.6948,"sentiment":"neutral","sentiment_score":-0.05569459260864691}],"sentiment":"neutral","sentiment_score":0.07080549452387329,"num_words":56,"start":2205.0698,"end":2225.6948},{"sentences":[{"text":"You could just type, I'm happy with the investment change, but prefer not to do the salary sacrifice yet.","start":2225.6948,"end":2232.55,"sentiment":"neutral","sentiment_score":0.05291509853773996},{"text":"And that's perfectly fine.","start":2234.13,"end":2235.49,"sentiment":"positive","sentiment_score":0.3340788707137108},{"text":"Or if there was any other changes you wanna make, it's kind of like a free box where it allows you to type.","start":2235.49,"end":2240.79,"sentiment":"neutral","sentiment_score":0.12151137901389081},{"text":"Yep.","start":2242.165,"end":2242.665,"sentiment":"neutral","sentiment_score":0.2954433560371399},{"text":"No problem at all.","start":2243.6848,"end":2244.9849,"sentiment":"positive","sentiment_score":0.36769628524780273}],"sentiment":"neutral","sentiment_score":0.1353469131258773,"num_words":51,"start":2225.6948,"end":2244.9849},{"sentences":[{"text":"Well, that was basically everything.","start":2245.6848,"end":2247.785,"sentiment":"positive","sentiment_score":0.36738537549972533},{"text":"Any questions for me before I let you go and enjoy the rest of your afternoon or evening, I should say?","start":2249.525,"end":2255.43,"sentiment":"neutral","sentiment_score":0.21856735522548357},{"text":"Yes.","start":2261.75,"end":2262.25,"sentiment":"neutral","sentiment_score":-0.0725860595703125},{"text":"Yeah.","start":2266.71,"end":2267.21,"sentiment":"neutral","sentiment_score":-0.008510327897965908},{"text":"Is he there with you?","start":2267.27,"end":2268.8098,"sentiment":"neutral","sentiment_score":-0.0027143281884491445}],"sentiment":"neutral","sentiment_score":0.19188403966131085,"num_words":33,"start":2245.6848,"end":2268.8098},{"sentences":[{"text":"Can he hear me?","start":2270.525,"end":2271.7449,"sentiment":"neutral","sentiment_score":-0.00009266252163797617},{"text":"Yes.","start":2273.8848,"end":2274.3848,"sentiment":"neutral","sentiment_score":0.01742771454155445},{"text":"Yeah.","start":2276.845,"end":2277.1648,"sentiment":"neutral","sentiment_score":0.03708392754197121},{"text":"Good, Peter.","start":2277.1648,"end":2277.805,"sentiment":"neutral","sentiment_score":0.1526777595281601},{"text":"How are you?","start":2277.805,"end":2278.7048,"sentiment":"neutral","sentiment_score":0.11873262127240498}],"sentiment":"neutral","sentiment_score":0.06506312498822808,"num_words":11,"start":2270.525,"end":2278.7048},{"sentences":[{"text":"Now, Sarah yeah.","start":2280.845,"end":2287.04,"sentiment":"neutral","sentiment_score":-0.07930862655242284},{"text":"Yeah.","start":2287.26,"end":2287.66,"sentiment":"neutral","sentiment_score":-0.03872980549931526},{"text":"Because I was keeping a look at for today, but I did actually call a sender regardless because they should have their emails.","start":2287.66,"end":2294.24,"sentiment":"neutral","sentiment_score":-0.035922111538441284},{"text":"So I was just about to send you an email, but now when you're here on the phone, it's good.","start":2294.585,"end":2298.845,"sentiment":"neutral","sentiment_score":0.006868724944069982},{"text":"So I did call them today just to query, and I said that you did receive two emails, which was very strange.","start":2300.105,"end":2306.285,"sentiment":"neutral","sentiment_score":-0.09341937371275642}],"sentiment":"neutral","sentiment_score":-0.043778492367246014,"num_words":69,"start":2280.845,"end":2306.285},{"sentences":[{"text":"But, obviously, since then, we've got the certificate of currency, things paid up to date.","start":2306.345,"end":2310.18,"sentiment":"neutral","sentiment_score":-0.1070206455886364},{"text":"You shouldn't have received that out of pocket because it's not something you pay for out of pocket.","start":2310.26,"end":2314.5999,"sentiment":"neutral","sentiment_score":-0.21186622811688316},{"text":"And they just apologized for the error and said that they were having some technical issues.","start":2315.22,"end":2319.38,"sentiment":"neutral","sentiment_score":-0.13899088627658784},{"text":"And, yes, they apologized for that letter even though it was true.","start":2319.38,"end":2323.4,"sentiment":"neutral","sentiment_score":0.06414772228648265},{"text":"So I'm very happy that you did not proceed with paying it.","start":2324.145,"end":2328.305,"sentiment":"neutral","sentiment_score":0.27773633785545826}],"sentiment":"neutral","sentiment_score":-0.04849516778980216,"num_words":73,"start":2306.345,"end":2328.305},{"sentences":[{"text":"So if if for some reason either of you aim get anything from this, just call me just to be sure.","start":2328.305,"end":2335.105,"sentiment":"neutral","sentiment_score":0.03516361294757752},{"text":"It shouldn't happen.","start":2335.105,"end":2336.165,"sentiment":"neutral","sentiment_score":0.01957968952289472},{"text":"And they were very apologetic, but they reassured me that everything is paid and everything is up to date.","start":2336.47,"end":2342.6501,"sentiment":"positive","sentiment_score":0.39480618132572426},{"text":"Yep.","start":2344.1501,"end":2344.6501,"sentiment":"positive","sentiment_score":0.3518308103084564},{"text":"No.","start":2344.87,"end":2345.37,"sentiment":"neutral","sentiment_score":0.2803223133087158}],"sentiment":"neutral","sentiment_score":0.1984587890949721,"num_words":45,"start":2328.305,"end":2345.37},{"sentences":[{"text":"That is no problem.","start":2345.6702,"end":2347.05,"sentiment":"positive","sentiment_score":0.5177540630102158},{"text":"I will let you guys go and enjoy dinner soon, I'm sure.","start":2347.35,"end":2350.97,"sentiment":"positive","sentiment_score":0.59536162763834},{"text":"And any questions, just just let me know either of you.","start":2351.325,"end":2354.765,"sentiment":"neutral","sentiment_score":0.22938042879104614},{"text":"Okay?","start":2354.765,"end":2355.265,"sentiment":"neutral","sentiment_score":0.25387144088745117},{"text":"Nope.","start":2357.7249,"end":2358.2249,"sentiment":"neutral","sentiment_score":0.053144872188568115}],"sentiment":"positive","sentiment_score":0.4153640280509817,"num_words":29,"start":2345.6702,"end":2358.2249},{"sentences":[{"text":"You too.","start":2358.605,"end":2359.165,"sentiment":"neutral","sentiment_score":0.17937421798706055},{"text":"We'll speak soon.","start":2359.165,"end":2360.145,"sentiment":"neutral","sentiment_score":0.17186198135217032},{"text":"Okay.","start":2361.565,"end":2362.045,"sentiment":"neutral","sentiment_score":0.09924763441085815},{"text":"Bye.","start":2362.045,"end":2362.545,"sentiment":"neutral","sentiment_score":-0.11431281268596648}],"sentiment":"neutral","sentiment_score":0.12275274310793195,"num_words":7,"start":2358.605,"end":2362.545}]}}]},{"alternatives":[{"transcript":"Hello? Yes. It is. Good. How are you? Yes. Yes. It is. Yep. Yep. That's fine. Yep. Sarah Jane Schembri, seventeenth of the eleventh seventy two. 17 Gairdner Lane, Moreton Lake, South Australia 5095. Okay. Can I see? Yeah. Somewhat. I've just got home, like, probably half hour ago, catching my breath. Work went chaotic in the last portion of the day. As yeah. It is started well, and then when I was like, what? Yeah. Oh, no. This is the beginning of my week. So I went back yesterday, but I'm in the I've just started seven days straight. So it's like yesterday was Monday for me. I don't finish till next Tuesday. Oh, so good. So good. No. It's alright. Yep. Yes. I do. Let me grab it. I'm gonna grab it on my iPad, actually. It's probably gonna be easier to look at while I talk on phone. Yep. Okay. I can see a signature request there. Yep. Yep. Yep. Yep. Yep. Yes. It does. Yep. Yep. Yep. Yep. So do I just hit on the sign document to view? Oh, okay. Let me just open it up, my email, up fully. I just got signed document, but there's no start. It takes me to a web page, And now it says yeah. Now it's got yeah. Now I've got the full lot, but I'm not finding anything. Yeah. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Maybe. Maybe not. Yeah. Maybe. I'm not sure. Yep. Okay. Yep. Okay. Yep. Yep. Okay. Yep. Yep. Yep. Mhmm. Yep. Yep. Yep. Yep. Yep. Yeah. That's good. Yeah. Yep. Yep. Yep. Yeah. No problem. Mhmm. Oh, health issues. It says yes, but I'm not sure. Did we have that I think my cholesterol was up, but that's back into normal ranges now. Yeah. Yeah. No. No. Yeah. So everything's good. Yeah. Yep. Yep. No. It fixed it without medication, which is what I wanted to do. Yeah. Yeah. Oh, okay. Yep. Yep. That looks good. Mhmm. Yep. Yep. Mhmm. Yep. I yes. Yes. Nah. That's pretty straightforward. Yep. Yep. The lowest gross. And then page 13 says strategy recommendation. Yep. Mhmm. Mhmm. Yep. Yep. Yes. No worries. Mhmm. Mhmm. Oh, yep. Yep. Yep. Yep. Mhmm. Mhmm. Mhmm. Yep. Yep. Is this on page 17? 16. Oh, 16. Hang on. 16. Yeah. 16. Yep. That's the one I'm looking at. Yes. Yep. Yep. Yep. Yep. Still on page Alright. Just let me yes. Yep. Yep. Mhmm. Mhmm. Okay. Yep. Okay. Yep. Yep. Okay. Yep. Oh, wow. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Okay. Yep. Mhmm. Yeah. Yeah. Yep. Yep. Yep. No. That's good. Yep. Mhmm. Mhmm. Yep. Yep. Yep. Yep. No. That looks good. Yep. No. That's fine. Yep. Okay. Yep. Pretty yeah. It does. Wow. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. No. That's good. Mhmm. Yep. Mhmm. Mhmm. Yep. Yep. Okay. Yep. Okay. Yep. That makes sense. Yep. Yep. Yep. Yep. Mhmm. No. Mhmm. Mhmm. Yep. Yep. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. And this what page is that one on? The next page. Oh, yeah. I see it. Yeah. I was still the cash account, but missed the the table above it. Yep. No. Got that. Yep. Mhmm. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Right. Yep. Yep. Yep. Yep. Yeah. I have, actually. Yeah. Yep. Yep. Yeah. Yep. It does. Yep. Yep. Yeah. Yep. No. No. That all looks pretty straightforward to me. Yeah. And here. Okay. Yep. Yep. Lovely. Yep. Yep. Yep. Yeah. Yep. Yep. Yep. No worries. Mhmm. Yep. Mhmm. Yep. Yep. Mhmm. Yep. No. That's good. Yep. No. Mhmm. Yep. Yep. Okay. Mhmm. Mhmm. Yep. Yep. Yep. Yep. That makes sense. Yep. Mhmm. Yep. No worries. Okay. Yep. Yep. Okay. Yep. Okay. Yeah. Yep. Because it got the taylor on it. Yep. Mhmm. Yep. Yep. Oh, so once you do a salary sacrifice, you have to keep doing it? Is that no. No. Oh, yeah. Yeah. Yeah. Yeah. No. That's fine. I wouldn't yeah. Yeah. Gotcha. Yep. That makes sense. Yep. No. Yes. Yeah. Yeah. Yeah. But what yep. Yeah. But what I've put in there stays in there. Yep. Yep. No worries. Mhmm. Mhmm. Yep. Mhmm. Yep. Yeah. Which is not a lot, really, over a year. Yep. Yep. Yeah. Yeah. Yep. Mhmm. Mhmm. Yeah. Yep. Yep. No. That's good. Yep. Yeah. It does. Yep. Yep. Yep. Yep. Yep. Okay. Yep. Yep. Yep. Yeah. Yeah. That makes sense. Yep. No. It's pretty straightforward at the moment. Yep. Yep. Yep. Three. Yep. No worries. Yep. Yep. Yep. No worries. Yep. Yep. Okay. Yep. Okay. Yep. Yep. No one. Yep. No problem. Yep. Okay. Yep. Yep. Yep. Yep. Okay. Cool. No worries. Yep. Yep. Yep. Yep. Cool. So I will just hit click to start and then, yeah, follow. Yep. No worries. Okay. Perfect. Yep. Sounds good. No. That's really good. Thank you. So I'll probably, yeah, just have a bit of a read tonight. And yeah. I mean, it's just more my just do some rough calcs on the salary sacrifice and but I don't think it's a a massive deal when I work it out weekly at the end of the day. So yeah. No. That's good. Yeah. Yep. Oh, okay. Yep. Yep. Okay. Yep. Yeah. Okay. No worries. Thanks for that. Yeah. Good. Alright. Awesome. No. No. Pete did tell me to let you know he couldn't get those photos through. We couldn't get it to work on the email with that payment thing overdue. So, yes, he is. Yep. I'll pop you on speaker. Here he is. How are you? I'm good. Thank you. Yeah. I could not get those through. But no matter what I tried, I haven't come across that before. It was really kinda bizarre. So Yeah. Easy. Yep. Yes. Okay. Beautiful. Okay. Beautiful. Yes. Quiet. Yeah. Yeah. Yep. Yes. Lovely. Thanks for following that up. Yeah. Awesome. Thank you. Yeah. Lovely. Thank you so much. Enjoy your night. 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Yes. It is. Good. How are you?\n\nYes. Yes. It is. Yep. Yep.\n\nThat's fine. Yep. Sarah Jane Schembri, seventeenth of the eleventh seventy two. 17 Gairdner Lane, Moreton Lake, South Australia 5095. Okay.\n\nCan I see? Yeah. Somewhat. I've just got home, like, probably half hour ago, catching my breath. Work went chaotic in the last portion of the day.\n\nAs yeah. It is started well, and then when I was like, what? Yeah. Oh, no. This is the beginning of my week.\n\nSo I went back yesterday, but I'm in the I've just started seven days straight. So it's like yesterday was Monday for me. I don't finish till next Tuesday. Oh, so good. So good.\n\nNo. It's alright. Yep. Yes. I do.\n\nLet me grab it. I'm gonna grab it on my iPad, actually. It's probably gonna be easier to look at while I talk on phone. Yep. Okay.\n\nI can see a signature request there. Yep. Yep. Yep. Yep.\n\nYep. Yes. It does. Yep. Yep.\n\nYep. Yep. So do I just hit on the sign document to view? Oh, okay. Let me just open it up, my email, up fully.\n\nI just got signed document, but there's no start. It takes me to a web page, And now it says yeah. Now it's got yeah. Now I've got the full lot, but I'm not finding anything. Yeah.\n\nYeah. Yep. Yep. Yep. Yep.\n\nYep. Yep. Maybe. Maybe not. Yeah.\n\nMaybe. I'm not sure. Yep. Okay. Yep.\n\nOkay. Yep. Yep. Okay. Yep.\n\nYep. Yep. Mhmm. Yep. Yep.\n\nYep. Yep. Yep. Yeah. That's good.\n\nYeah. Yep. Yep. Yep. Yeah.\n\nNo problem. Mhmm. Oh, health issues. It says yes, but I'm not sure. Did we have that I think my cholesterol was up, but that's back into normal ranges now.\n\nYeah. Yeah. No. No. Yeah.\n\nSo everything's good. Yeah. Yep. Yep. No.\n\nIt fixed it without medication, which is what I wanted to do. Yeah. Yeah. Oh, okay. Yep.\n\nYep. That looks good. Mhmm. Yep. Yep.\n\nMhmm. Yep. I yes. Yes. Nah.\n\nThat's pretty straightforward. Yep. Yep. The lowest gross. And then page 13 says strategy recommendation.\n\nYep. Mhmm. Mhmm. Yep. Yep.\n\nYes. No worries. Mhmm. Mhmm. Oh, yep.\n\nYep. Yep. Yep. Mhmm. Mhmm.\n\nMhmm. Yep. Yep. Is this on page 17? 16.\n\nOh, 16. Hang on. 16. Yeah. 16.\n\nYep. That's the one I'm looking at. Yes. Yep. Yep.\n\nYep. Yep. Still on page Alright. Just let me yes. Yep.\n\nYep. Mhmm. Mhmm. Okay. Yep.\n\nOkay. Yep. Yep. Okay. Yep.\n\nOh, wow. Yeah. Yep. Yep. Yep.\n\nYep. Yep. Yep. Okay. Yep.\n\nMhmm. Yeah. Yeah. Yep. Yep.\n\nYep. No. That's good. Yep. Mhmm.\n\nMhmm. Yep. Yep. Yep. Yep.\n\nNo. That looks good. Yep. No. That's fine.\n\nYep. Okay. Yep. Pretty yeah. It does.\n\nWow. Yeah. Yep. Yep. Yep.\n\nYep. Yep. Yep. No. That's good.\n\nMhmm. Yep. Mhmm. Mhmm. Yep.\n\nYep. Okay. Yep. Okay. Yep.\n\nThat makes sense. Yep. Yep. Yep. Yep.\n\nMhmm. No. Mhmm. Mhmm. Yep.\n\nYep. Yeah. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nAnd this what page is that one on? The next page. Oh, yeah. I see it. Yeah.\n\nI was still the cash account, but missed the the table above it. Yep. No. Got that. Yep.\n\nMhmm. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Right. Yep.\n\nYep. Yep. Yep. Yeah. I have, actually.\n\nYeah. Yep. Yep. Yeah. Yep.\n\nIt does. Yep. Yep. Yeah. Yep.\n\nNo. No. That all looks pretty straightforward to me. Yeah. And here.\n\nOkay. Yep. Yep. Lovely. Yep.\n\nYep. Yep. Yeah. Yep. Yep.\n\nYep. No worries. Mhmm. Yep. Mhmm.\n\nYep. Yep. Mhmm. Yep. No.\n\nThat's good. Yep. No. Mhmm. Yep.\n\nYep. Okay. Mhmm. Mhmm. Yep.\n\nYep. Yep. Yep. That makes sense. Yep.\n\nMhmm. Yep. No worries. Okay. Yep.\n\nYep. Okay. Yep. Okay. Yeah.\n\nYep. Because it got the taylor on it. Yep. Mhmm. Yep.\n\nYep. Oh, so once you do a salary sacrifice, you have to keep doing it? Is that no. No. Oh, yeah.\n\nYeah. Yeah. Yeah. No. That's fine.\n\nI wouldn't yeah. Yeah. Gotcha. Yep. That makes sense.\n\nYep. No. Yes. Yeah. Yeah.\n\nYeah. But what yep. Yeah. But what I've put in there stays in there. Yep.\n\nYep. No worries. Mhmm. Mhmm. Yep.\n\nMhmm. Yep. Yeah. Which is not a lot, really, over a year. Yep.\n\nYep. Yeah. Yeah. Yep. Mhmm.\n\nMhmm. Yeah. Yep. Yep. No.\n\nThat's good. Yep. Yeah. It does. Yep.\n\nYep. Yep. Yep. Yep. Okay.\n\nYep. Yep. Yep. Yeah. Yeah.\n\nThat makes sense. Yep. No. It's pretty straightforward at the moment. Yep.\n\nYep. Yep. Three. Yep. No worries.\n\nYep. Yep. Yep. No worries. Yep.\n\nYep. Okay. Yep. Okay. Yep.\n\nYep. No one. Yep. No problem. Yep.\n\nOkay. Yep. Yep. Yep. Yep.\n\nOkay. Cool. No worries. Yep. Yep.\n\nYep. Yep. Cool. So I will just hit click to start and then, yeah, follow. Yep.\n\nNo worries. Okay. Perfect. Yep. Sounds good.\n\nNo. That's really good. Thank you. So I'll probably, yeah, just have a bit of a read tonight. And yeah.\n\nI mean, it's just more my just do some rough calcs on the salary sacrifice and but I don't think it's a a massive deal when I work it out weekly at the end of the day. So yeah. No. That's good. Yeah.\n\nYep. Oh, okay. Yep. Yep. Okay.\n\nYep. Yeah. Okay. No worries. Thanks for that.\n\nYeah. Good. Alright. Awesome. No.\n\nNo. Pete did tell me to let you know he couldn't get those photos through. We couldn't get it to work on the email with that payment thing overdue. So, yes, he is. Yep.\n\nI'll pop you on speaker. Here he is. How are you? I'm good. Thank you.\n\nYeah. I could not get those through. But no matter what I tried, I haven't come across that before. It was really kinda bizarre. So Yeah.\n\nEasy. Yep. Yes. Okay. Beautiful.\n\nOkay. Beautiful. Yes. Quiet. Yeah.\n\nYeah. Yep. Yes. Lovely. Thanks for following that up.\n\nYeah. Awesome. Thank you. Yeah. Lovely.\n\nThank you so much. Enjoy your night. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.24,"end":0.74,"sentiment":"neutral","sentiment_score":0.03047879971563816},{"text":"Yes.","start":3.6,"end":3.9199998,"sentiment":"neutral","sentiment_score":0.09320970624685287},{"text":"It is.","start":3.9199998,"end":4.58,"sentiment":"neutral","sentiment_score":0.10664116963744164},{"text":"Good.","start":8.32,"end":8.639999,"sentiment":"positive","sentiment_score":0.3717600107192993},{"text":"How are you?","start":8.639999,"end":9.46,"sentiment":"neutral","sentiment_score":0.25734856228033703}],"sentiment":"neutral","sentiment_score":0.18509706784971058,"num_words":8,"start":0.24,"end":9.46},{"sentences":[{"text":"Yes.","start":18.535,"end":19.035,"sentiment":"neutral","sentiment_score":0.22364142537117004},{"text":"Yes.","start":20.055,"end":20.455,"sentiment":"neutral","sentiment_score":0.15315836668014526},{"text":"It 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just do some rough calcs on the salary sacrifice and but I don't think it's a a massive deal when I work it out weekly at the end of the day.","start":2187.11,"end":2197.9348,"sentiment":"neutral","sentiment_score":0.0003318589281391453},{"text":"So yeah.","start":2197.9348,"end":2199.375,"sentiment":"neutral","sentiment_score":0.055631786584854126},{"text":"No.","start":2199.375,"end":2199.535,"sentiment":"neutral","sentiment_score":0.07264561951160431},{"text":"That's good.","start":2199.535,"end":2200.355,"sentiment":"neutral","sentiment_score":0.21298830211162567},{"text":"Yeah.","start":2211.53,"end":2212.03,"sentiment":"neutral","sentiment_score":0.08487281948328018}],"sentiment":"neutral","sentiment_score":0.016442730156488197,"num_words":43,"start":2187.11,"end":2212.03},{"sentences":[{"text":"Yep.","start":2216.1702,"end":2216.6702,"sentiment":"neutral","sentiment_score":0.08262521028518677},{"text":"Oh, okay.","start":2218.73,"end":2219.47,"sentiment":"neutral","sentiment_score":0.03156877122819424},{"text":"Yep.","start":2226.375,"end":2226.875,"sentiment":"neutral","sentiment_score":0.018605101853609085},{"text":"Yep.","start":2232.0552,"end":2232.5552,"sentiment":"neutral","sentiment_score":0.0928802490234375},{"text":"Okay.","start":2233.0151,"end":2233.5151,"sentiment":"neutral","sentiment_score":0.14441710710525513}],"sentiment":"neutral","sentiment_score":0.06694420178731282,"num_words":6,"start":2216.1702,"end":2233.5151},{"sentences":[{"text":"Yep.","start":2233.575,"end":2234.075,"sentiment":"neutral","sentiment_score":0.17824587225914},{"text":"Yeah.","start":2240.09,"end":2240.59,"sentiment":"neutral","sentiment_score":0.050306398421525955},{"text":"Okay.","start":2241.05,"end":2241.55,"sentiment":"neutral","sentiment_score":0.10663414001464844},{"text":"No worries.","start":2241.61,"end":2242.1702,"sentiment":"neutral","sentiment_score":0.1588345766067505},{"text":"Thanks for that.","start":2242.1702,"end":2242.8901,"sentiment":"positive","sentiment_score":0.6167009472846985}],"sentiment":"neutral","sentiment_score":0.31286980072036386,"num_words":8,"start":2233.575,"end":2242.8901},{"sentences":[{"text":"Yeah.","start":2242.8901,"end":2243.29,"sentiment":"positive","sentiment_score":0.35732197761535645},{"text":"Good.","start":2243.29,"end":2243.79,"sentiment":"positive","sentiment_score":0.4401482939720154},{"text":"Alright.","start":2244.09,"end":2244.59,"sentiment":"positive","sentiment_score":0.37282341718673706},{"text":"Awesome.","start":2245.21,"end":2245.71,"sentiment":"positive","sentiment_score":0.6263633370399475},{"text":"No.","start":2254.7048,"end":2255.2048,"sentiment":"neutral","sentiment_score":-0.03045994788408279}],"sentiment":"positive","sentiment_score":0.3532394155859947,"num_words":5,"start":2242.8901,"end":2255.2048},{"sentences":[{"text":"No.","start":2255.585,"end":2256.085,"sentiment":"neutral","sentiment_score":-0.2012427449226379},{"text":"Pete did tell me to let you know he couldn't get those photos through.","start":2256.2249,"end":2260.785,"sentiment":"neutral","sentiment_score":-0.22935013898781367},{"text":"We couldn't get it to work on the email with that payment thing overdue.","start":2260.785,"end":2265.6848,"sentiment":"neutral","sentiment_score":-0.11662072688341141},{"text":"So, yes, he is.","start":2266.545,"end":2269.9202,"sentiment":"neutral","sentiment_score":-0.0009496703278273344},{"text":"Yep.","start":2270.86,"end":2271.36,"sentiment":"neutral","sentiment_score":-0.00003771701449295506}],"sentiment":"neutral","sentiment_score":-0.14849033133663503,"num_words":34,"start":2255.585,"end":2271.36},{"sentences":[{"text":"I'll pop you on speaker.","start":2271.9001,"end":2273.36,"sentiment":"neutral","sentiment_score":0.002963927760720253},{"text":"Here he is.","start":2275.02,"end":2275.6602,"sentiment":"neutral","sentiment_score":0.026583696405092876},{"text":"How are you?","start":2275.6602,"end":2276.48,"sentiment":"neutral","sentiment_score":0.040449779480695724},{"text":"I'm good.","start":2277.82,"end":2279.02,"sentiment":"neutral","sentiment_score":0.1787859871983528},{"text":"Thank you.","start":2279.02,"end":2279.685,"sentiment":"neutral","sentiment_score":0.257829412817955}],"sentiment":"neutral","sentiment_score":0.07261005776623884,"num_words":15,"start":2271.9001,"end":2279.685},{"sentences":[{"text":"Yeah.","start":2280.325,"end":2280.645,"sentiment":"neutral","sentiment_score":0.018543656915426254},{"text":"I could not get those through.","start":2280.645,"end":2282.165,"sentiment":"neutral","sentiment_score":-0.09258669925232728},{"text":"But no matter what I tried, I haven't come across that before.","start":2282.165,"end":2285.205,"sentiment":"neutral","sentiment_score":-0.16109366218249002},{"text":"It was really kinda bizarre.","start":2285.205,"end":2286.825,"sentiment":"negative","sentiment_score":-0.3981866478919983},{"text":"So Yeah.","start":2286.885,"end":2298.4802,"sentiment":"neutral","sentiment_score":0.051957326009869576}],"sentiment":"neutral","sentiment_score":-0.16758150277802578,"num_words":26,"start":2280.325,"end":2298.4802},{"sentences":[{"text":"Easy.","start":2298.4802,"end":2298.9802,"sentiment":"neutral","sentiment_score":0.22011348605155945},{"text":"Yep.","start":2299.2002,"end":2299.7002,"sentiment":"neutral","sentiment_score":0.06452801823616028},{"text":"Yes.","start":2315.025,"end":2315.525,"sentiment":"neutral","sentiment_score":-0.013093842193484306},{"text":"Okay.","start":2320.7048,"end":2321.2048,"sentiment":"neutral","sentiment_score":0.001552380621433258},{"text":"Beautiful.","start":2321.825,"end":2322.325,"sentiment":"neutral","sentiment_score":0.3006695508956909}],"sentiment":"neutral","sentiment_score":0.11475391872227192,"num_words":5,"start":2298.4802,"end":2322.325},{"sentences":[{"text":"Okay.","start":2323.89,"end":2324.39,"sentiment":"neutral","sentiment_score":0.13210666179656982},{"text":"Beautiful.","start":2324.53,"end":2325.03,"sentiment":"neutral","sentiment_score":0.16355672478675842},{"text":"Yes.","start":2326.3699,"end":2326.8699,"sentiment":"neutral","sentiment_score":0.1995387226343155},{"text":"Quiet.","start":2328.0498,"end":2328.45,"sentiment":"neutral","sentiment_score":0.12601742148399353},{"text":"Yeah.","start":2328.45,"end":2328.95,"sentiment":"neutral","sentiment_score":0.08514310419559479}],"sentiment":"neutral","sentiment_score":0.14127252697944642,"num_words":5,"start":2323.89,"end":2328.95},{"sentences":[{"text":"Yeah.","start":2329.01,"end":2329.51,"sentiment":"neutral","sentiment_score":0.0515330582857132},{"text":"Yep.","start":2334.2898,"end":2334.7898,"sentiment":"neutral","sentiment_score":0.05073695629835129},{"text":"Yes.","start":2336.93,"end":2337.43,"sentiment":"neutral","sentiment_score":0.0961768478155136},{"text":"Lovely.","start":2342.685,"end":2343.085,"sentiment":"positive","sentiment_score":0.7519488334655762},{"text":"Thanks for following that up.","start":2343.085,"end":2344.205,"sentiment":"positive","sentiment_score":0.7470348596572876}],"sentiment":"positive","sentiment_score":0.5206188882390658,"num_words":9,"start":2329.01,"end":2344.205},{"sentences":[{"text":"Yeah.","start":2344.205,"end":2344.685,"sentiment":"positive","sentiment_score":0.425270140171051},{"text":"Awesome.","start":2344.685,"end":2345.185,"sentiment":"positive","sentiment_score":0.6361615061759949},{"text":"Thank you.","start":2345.325,"end":2346.065,"sentiment":"positive","sentiment_score":0.550216406583786},{"text":"Yeah.","start":2351.325,"end":2351.825,"sentiment":"neutral","sentiment_score":0.20434798300266263},{"text":"Lovely.","start":2355.48,"end":2355.98,"sentiment":"positive","sentiment_score":0.7323229908943176}],"sentiment":"positive","sentiment_score":0.5164225722352663,"num_words":6,"start":2344.205,"end":2355.98},{"sentences":[{"text":"Thank you so much.","start":2356.04,"end":2357.08,"sentiment":"positive","sentiment_score":0.8216035515069962},{"text":"Enjoy your night.","start":2357.08,"end":2358.1401,"sentiment":"positive","sentiment_score":0.7342016498247782},{"text":"Bye.","start":2360.6,"end":2361.1,"sentiment":"neutral","sentiment_score":0.10568837821483612}],"sentiment":"positive","sentiment_score":0.6993384417146444,"num_words":8,"start":2356.04,"end":2361.1}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon. Is this Sarah Jane?\n\nChannel 1: Yes. It is.\n\nChannel 0: This is Veronica from Financial. How are you?\n\nChannel 1: Good. How are you?\n\nChannel 0: I'm good. Thank you. I had you booked in to go over the recommendations on your super investment. So is now still\n\nChannel 1: Yes.\n\nChannel 0: a good time for you?\n\nChannel 1: Yes. It is.\n\nChannel 0: Yeah. Alright. Perfect. Now just before I do go any further, just as per usual,\n\nChannel 1: Yep.\n\nChannel 0: just letting you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep. That's\n\nChannel 0: Perfect.\n\nChannel 1: fine.\n\nChannel 0: And just for security, if I could just get you to confirm your full name, date of birth, and address, please.\n\nChannel 1: Yep. Sarah Jane Schembri, seventeenth of the eleventh seventy two. 17 Gairdner Lane, Moreton Lake, South Australia 5095.\n\nChannel 0: Yep. Perfect. And how's your day been? Been busy?\n\nChannel 1: Okay. Can I see? Yeah. Somewhat. I've just got home, like, probably half hour ago, catching\n\nChannel 0: Oh,\n\nChannel 1: my\n\nChannel 0: yeah.\n\nChannel 1: breath. Work went chaotic in the last portion of the day.\n\nChannel 0: Yeah. Well, sometimes it's\n\nChannel 1: As\n\nChannel 0: like that.\n\nChannel 1: yeah. It is started well, and then when I was like, what?\n\nChannel 0: Especially at the\n\nChannel 1: Yeah.\n\nChannel 0: end of the week too.\n\nChannel 1: Oh, no. This is the beginning of my week. So I went back yesterday, but I'm in the I've just started seven days straight. So it's like yesterday was Monday for me. I don't finish till\n\nChannel 0: Yes.\n\nChannel 1: next Tuesday.\n\nChannel 0: She's not saying anything.\n\nChannel 1: Oh, so good. So\n\nChannel 0: Well, I will try\n\nChannel 1: good.\n\nChannel 0: not to keep you for too\n\nChannel 1: No.\n\nChannel 0: long\n\nChannel 1: It's\n\nChannel 0: today.\n\nChannel 1: alright. Yep.\n\nChannel 0: Do you have access to your emails?\n\nChannel 1: Yes. I do.\n\nChannel 0: Yes. Okay. Sorry.\n\nChannel 1: Let me grab it. I'm gonna grab it on my iPad, actually. It's probably gonna be easier to look\n\nChannel 0: Yeah.\n\nChannel 1: at while\n\nChannel 0: Whatever\n\nChannel 1: I talk\n\nChannel 0: works\n\nChannel 1: on\n\nChannel 0: for\n\nChannel 1: phone.\n\nChannel 0: you. Yeah.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Okay.\n\nChannel 1: I can see a signature request there.\n\nChannel 0: Yeah. So\n\nChannel 1: Yep.\n\nChannel 0: kind of same thing. If you click on it, it will still just allow you to open up any like, everything, and you can always go back and have a look at it before having to decide what you want\n\nChannel 1: Yep.\n\nChannel 0: to do. So\n\nChannel 1: Yep.\n\nChannel 0: you don't have to decide, by the way.\n\nChannel 1: Yep.\n\nChannel 0: So if you can click on it, then you should\n\nChannel 1: Yep.\n\nChannel 0: see a cover page. Does it say OQ Financial statement of advice?\n\nChannel 1: Yes. It does.\n\nChannel 0: Yes. Yeah. Perfect. Now every time we do make a recommendation and do personalized tailored advice, we have to put everything in a statement of advice for you just to make sure you are fully aware and across everything that is happening.\n\nChannel 1: Yep.\n\nChannel 0: Now a lot of it is just compliances. So you will see it's about 36 pages. A lot of it, it is pretty straightforward and things you kind of already know. So I'll\n\nChannel 1: Yep.\n\nChannel 0: just kind of go through the most important aspects\n\nChannel 1: Yep.\n\nChannel 0: of the recommendation, and then you can always have a bit of a read over it\n\nChannel 1: Yep.\n\nChannel 0: in your own time as well.\n\nChannel 1: So do I just hit on the sign document to view?\n\nChannel 0: Can you you should just be able to scroll through on this\n\nChannel 1: Oh, okay.\n\nChannel 0: document.\n\nChannel 1: Let me just open it up, my email, up fully.\n\nChannel 0: Yeah. Because if you press start, then usually it takes you straight to signature, which is what we don't really want\n\nChannel 1: I just\n\nChannel 0: right\n\nChannel 1: got\n\nChannel 0: away.\n\nChannel 1: signed document, but there's no start.\n\nChannel 0: And if you press sign, what does it do?\n\nChannel 1: It takes me to a web page, And now it says yeah. Now it's got yeah. Now I've got the full lot, but I'm\n\nChannel 0: Okay.\n\nChannel 1: not finding\n\nChannel 0: Perfect.\n\nChannel 1: anything. Yeah.\n\nChannel 0: Yeah. Okay. Great. Perfect. That's good.\n\nSo you can see that there is, like, a document, and there's, like, 36 pages in\n\nChannel 1: Yeah.\n\nChannel 0: this document.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Okay. Beautiful. Now on the cover page as well, you can also see my details listed. So you can see\n\nChannel 1: Yep.\n\nChannel 0: my authorized representative number, which is basically just my license number, and I am, obviously, licensed under OQ Financial, and you can see a lot of contact details and everything there on the cover page for you. Yep. Now if you wanna scroll to the second page,\n\nChannel 1: Yep.\n\nChannel 0: it\n\nChannel 1: Yep.\n\nChannel 0: talks a little bit about that best interest you did. Do you remember ever hearing about that before?\n\nChannel 1: Maybe. Maybe not. Yeah.\n\nChannel 0: No. That's okay.\n\nChannel 1: Maybe. I'm not sure.\n\nChannel 0: Basically, what it means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a\n\nChannel 1: Yep.\n\nChannel 0: result of the advice.\n\nChannel 1: Okay.\n\nChannel 0: Otherwise,\n\nChannel 1: Yep.\n\nChannel 0: we can't actually make the recommendation.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yeah. So, basically, there's a lot of compliance and a lot of legislation in place to protect you and making sure that we always do what's best for you at the end of the day.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep. Perfect. Now as you scroll through, you'll see table of content, pretty\n\nChannel 1: Yep.\n\nChannel 0: self explanatory. You can also see on the next page, it says scope of advice. So that\n\nChannel 1: Yep.\n\nChannel 0: kind of spills over three different pages. Basically, what it talks about is just the areas we are looking at today. So, basically,\n\nChannel 1: Yep.\n\nChannel 0: today, what we are focusing on is your superannuation, making sure everything is set up correctly, focus on growing that as much as possible before retirement.\n\nChannel 1: Mhmm.\n\nChannel 0: If\n\nChannel 1: Yep.\n\nChannel 0: we needed to make any changes to your investments, and then also looking at that salary sacrificing, increase your as well. Now I have also included just some information in regards to a will and power of attorney Just so you have a little\n\nChannel 1: Yep.\n\nChannel 0: bit of information, it's always something I recommend everyone to consider. So\n\nChannel 1: Yep.\n\nChannel 0: I have just included that for you. Not making any changes to insurances, and we have this kind\n\nChannel 1: Yep.\n\nChannel 0: of scoped out personal investments for now for that to\n\nChannel 1: Yep.\n\nChannel 0: be reassessed next year with school fees and everything being in a little bit better\n\nChannel 1: Yeah.\n\nChannel 0: position. Yep. Now\n\nChannel 1: That's good. Yeah.\n\nChannel 0: now after you then scroll through to page six, you should say limited advice.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So, basically, this talks about that I'm not a legal practitioner, so I can't give you any legal advice. So we\n\nChannel 1: Yep.\n\nChannel 0: would have to refer you on to someone if you do need assistance with that, but we\n\nChannel 1: Yep.\n\nChannel 0: can obviously make suggestions and recommendation on how to structure your super and your insurances. I just can't give you any legal advice.\n\nChannel 1: Yeah. No problem.\n\nChannel 0: Yes. Perfect. Now on the next two pages, as you scroll through, you will just see some some information in regards to yourself. If you could just\n\nChannel 1: Mhmm.\n\nChannel 0: have a quick read over that for me just to see if that all looks good or if I need to make any changes in the back end for you.\n\nChannel 1: Oh, health issues. It says yes, but I'm not sure.\n\nChannel 0: I do have here\n\nChannel 1: Did we have that I think my cholesterol was up, but that's back into normal ranges now.\n\nChannel 0: Okay. Perfect. That's good. It doesn't really change anything, but I will just change in the back\n\nChannel 1: Yeah.\n\nChannel 0: end. Are\n\nChannel 1: Yeah.\n\nChannel 0: you on medication for it?\n\nChannel 1: No. No.\n\nChannel 0: No. Okay. Perfect. Everything is great there.\n\nChannel 1: Yeah. So everything's\n\nChannel 0: Yep.\n\nChannel 1: good. Yeah.\n\nChannel 0: Okay. Perfect. No. That is good. Nice and healthy, which is good.\n\nChannel 1: Yep.\n\nChannel 0: I'll just make a little note in the back end.\n\nChannel 1: Yep. No. It fixed it without medication, which is what I wanted to do.\n\nChannel 0: Yeah. Beautiful. Which often is not always the case.\n\nChannel 1: Yeah.\n\nChannel 0: The\n\nChannel 1: Yeah.\n\nChannel 0: assets look good otherwise as well and the liabilities on the next page.\n\nChannel 1: Oh, okay. Yep. Yep. That looks\n\nChannel 0: Yep.\n\nChannel 1: good.\n\nChannel 0: Perfect. Now the next page then takes us just to show you kind of the similar situation to we went through doing the annual review, list\n\nChannel 1: Mhmm.\n\nChannel 0: your insurances with MetLife, and then that you do have your super with Hub twenty four.\n\nChannel 1: Yep.\n\nChannel 0: Now\n\nChannel 1: Yep.\n\nChannel 0: the next page after that just talks talks a little bit about your risk profile. So we kind of touched on this quite a bit during\n\nChannel 1: Mhmm.\n\nChannel 0: the annual review. And right now, we kind of decided that staying in a growth portfolio, which is what you are currently invested in, is kind of the best option for you given, you know, time horizon\n\nChannel 1: Yep.\n\nChannel 0: till\n\nChannel 1: I\n\nChannel 0: retirement.\n\nChannel 1: yes.\n\nChannel 0: Yeah.\n\nChannel 1: Yes.\n\nChannel 0: Any questions so far? That's pretty straightforward.\n\nChannel 1: Nah. That's pretty straightforward.\n\nChannel 0: No. Perfect. Now a little bit about that risk profile just spills over to the next page as well. Kind of talks about the asset allocation again, aiming for\n\nChannel 1: Yep.\n\nChannel 0: around that 8020 split like we mentioned during the annual review. Yep. Now the next page then\n\nChannel 1: Yep.\n\nChannel 0: talks about the actual super recommendation. So can you see that on page 12? Like,\n\nChannel 1: The\n\nChannel 0: the\n\nChannel 1: lowest\n\nChannel 0: heading says\n\nChannel 1: gross. And then page 13 says strategy recommendation.\n\nChannel 0: Yes. That's the one.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So this one here outlines what the actual recommendation is that I have made. Now it also\n\nChannel 1: Mhmm.\n\nChannel 0: outlines the best interest you did and showing how the recommendation act in your best interest.\n\nChannel 1: Mhmm.\n\nChannel 0: So when we do, obviously, make we make research all the time on different superannuation platforms and different superannuation funds just to make sure it's still the best option for you. So I did consider a lot of other options as an alternative to see. But for the time being, Hub twenty four is still very competitive.\n\nChannel 1: Yep.\n\nChannel 0: It's very competitive when it comes to their fees in investment choices and flexibility. And I do use Hub twenty four for my personal super as well. So I have not made a recommendation to change it. It's staying in Hub twenty four. I'm literally\n\nChannel 1: Yep.\n\nChannel 0: just changing a couple of your investments for you.\n\nChannel 1: Yes. No worries.\n\nChannel 0: Yep. Perfect. Now as you scroll through, you will see some advantages, some disadvantages, and some risks associated with the recommendation\n\nChannel 1: Mhmm.\n\nChannel 0: along with alternatives. But I usually find the best way that people kind of is easiest way to look at it is if you wanna scroll down to page 16 for me first, it kind of summarizes everything in a table.\n\nChannel 1: Mhmm. Oh, yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: So I often find this is a bit easier to look at because it kind of shows you kind of the impact and what is actually happening.\n\nChannel 1: Yep.\n\nChannel 0: So you can see here your current situation. You can see\n\nChannel 1: Yep.\n\nChannel 0: your your super balance. You can see the total cost for everything as well as well as the five year rolling average on your current growth portfolio.\n\nChannel 1: Mhmm.\n\nChannel 0: Now the reason we use a five year rolling average is to give us a little bit more certainty on how the portfolio has performed as well as the market. So one of the risk is that there's always a level of risk associated with any investment option. We obviously can't guarantee anything, but that is why we're using a five year rolling average. We're using the return over five year period and averaging that out to give us a little bit more certainty.\n\nChannel 1: Mhmm.\n\nChannel 0: Does that make\n\nChannel 1: Mhmm.\n\nChannel 0: sense?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Is\n\nChannel 0: Perfect.\n\nChannel 1: this on page 17?\n\nChannel 0: Page 16.\n\nChannel 1: 16.\n\nChannel 0: Yes.\n\nChannel 1: Oh,\n\nChannel 0: 16.\n\nChannel 1: 16.\n\nChannel 0: Yeah.\n\nChannel 1: Hang on. 16.\n\nChannel 0: 16.\n\nChannel 1: Yeah. 16. Yep. That's the one I'm looking at.\n\nChannel 0: Yes. Okay. So you can see that kind of growth at the bottom. It's kind of like the last row in that table where it says\n\nChannel 1: Yes.\n\nChannel 0: five year rolling average. Yes. Perfect. So what you can then see on the next column for the the next column to the right, you can then see the recommended. So like I said, staying in Hub twenty four and changing some of your investments.\n\nNow\n\nChannel 1: Yep.\n\nChannel 0: you can actually see here when you look at the investment fee table that the recommended portfolio is quite a bit cheaper than your current portfolio. So it is saving you a little bit in fees each year, which is nice.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Now I do wanna let you know if you look on the first row where it says a balance, and you can see that there's a difference of $922. Can you see that?\n\nChannel 1: Still on page\n\nChannel 0: Yep. So still on the same page, the fee comparison.\n\nChannel 1: Alright. Just let me yes. Yep.\n\nChannel 0: Yeah. Okay. So all the way at the top. Now\n\nChannel 1: Yep.\n\nChannel 0: what this is is that every time we do sell investments, if they have gone up, There will be capital gains tax associated with making the change.\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: So we're obviously trying to minimize that as much as possible for you. It is all taken care of within the super environment when you execute the trade. So it's not something that you would have to pay for yourself or you have to worry about for tax return\n\nChannel 1: Okay.\n\nChannel 0: or anything\n\nChannel 1: Yep.\n\nChannel 0: like that.\n\nChannel 1: Okay.\n\nChannel 0: It is\n\nChannel 1: Yep.\n\nChannel 0: all just within the super environment.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Now\n\nChannel 1: Yep.\n\nChannel 0: just for your reference, if we were looking at making a full sell down to change everything for you, the capital gains tax would have been about, excuse me, $5,105.\n\nChannel 1: Oh,\n\nChannel 0: So,\n\nChannel 1: wow.\n\nChannel 0: obviously, trying to\n\nChannel 1: Yeah.\n\nChannel 0: reduce that down\n\nChannel 1: Yep.\n\nChannel 0: for you while still making sure that we wanted to change out any investment that we felt was necessary to achieve your goals, but\n\nChannel 1: Yep.\n\nChannel 0: didn't want you paying that much in impact just for it.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: try to minimize that as much as possible, but it is something I do wanna let you know that\n\nChannel 1: Yep.\n\nChannel 0: there will be around that 922. Now it does change on a daily as well, obviously, with market fluctuations, but it will be around that 922.\n\nChannel 1: Yep.\n\nChannel 0: But\n\nChannel 1: Okay.\n\nChannel 0: you can see\n\nChannel 1: Yep.\n\nChannel 0: that the investment fee is so it's saving you about $683 a year in, like, fees alone. So\n\nChannel 1: Mhmm.\n\nChannel 0: very quickly, you will then kind of recoup the capital gains tax, if that\n\nChannel 1: Yeah.\n\nChannel 0: makes sense.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep. Yep. No. That's good. Yep.\n\nChannel 0: Yep. Perfect. Now what I have also then compared is the per performance between the two portfolio. So\n\nChannel 1: Mhmm.\n\nChannel 0: you can see here that even though they're both growth, so we're not, like, increasing risk or anything like that,\n\nChannel 1: Mhmm.\n\nChannel 0: the recommended portfolio has performed a little bit better than your current portfolio, and it's a difference of about 2.45%, which is,\n\nChannel 1: Yep.\n\nChannel 0: again, makes a pretty big difference when you're compounding everything\n\nChannel 1: Yep.\n\nChannel 0: along with the saving in fees.\n\nChannel 1: Yep. Yep. No.\n\nChannel 0: Now\n\nChannel 1: That looks\n\nChannel 0: this\n\nChannel 1: good. Yep.\n\nChannel 0: yeah. Now this table here also shows you, Let's see here. Yep. Perfect. So that is all good.\n\nAny questions so far?\n\nChannel 1: No. That's fine.\n\nChannel 0: No. That all makes sense. Okay. Perfect. So the next page shows you then a a five year projection forward and then also to age 65 so that you can\n\nChannel 1: Yep.\n\nChannel 0: kind of see the the compounding differences.\n\nChannel 1: Okay. Yep.\n\nChannel 0: So it does make a pretty big difference.\n\nChannel 1: Pretty yeah. It does. Wow.\n\nChannel 0: It does even small little tweaks because, obviously,\n\nChannel 1: Yeah.\n\nChannel 0: with time, it does make a big difference.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now underneath it, you can then also see that I've included a little\n\nChannel 1: Yep.\n\nChannel 0: bit more information in regards to the performance over a different period of time so that you can see it. So I\n\nChannel 1: Yep.\n\nChannel 0: have included twelve months, three years, five years, and ten years. And\n\nChannel 1: Yep.\n\nChannel 0: you can see that if even though your current one hasn't done too bad, the recommended has done a little bit better\n\nChannel 1: Yep.\n\nChannel 0: across all time frames.\n\nChannel 1: Yep. No. That's\n\nChannel 0: Yep.\n\nChannel 1: good.\n\nChannel 0: Perfect. Now on the next page, it then shows you your investment, so what I have recommended in regards to your investment. Can\n\nChannel 1: Mhmm.\n\nChannel 0: you see that table okay?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now this one here usually looks a little bit messy, but, basically, what it is, it shows you the investment name, so what you are currently invested in and what I have recommended.\n\nChannel 1: Mhmm.\n\nChannel 0: Next to it, you will have the special little kind of code. Next to that, you will have the percentage of what you are currently invested in, so how much you currently\n\nChannel 1: Mhmm.\n\nChannel 0: have in the investment. And then you will have what that looks like from a dollar value point of view, and then you have the\n\nChannel 1: Yep.\n\nChannel 0: buy and sell column. So everything that's in red is either what we are selling or just reducing how much you have exposure to\n\nChannel 1: Yep.\n\nChannel 0: that investment.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Black is then what we are buying. So new investment or increasing allocation to a current investment.\n\nChannel 1: Okay.\n\nChannel 0: Does that make\n\nChannel 1: Yep.\n\nChannel 0: sense?\n\nChannel 1: That makes sense. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: And then next to that, you have the target weight, so how much we are wanting in that investment\n\nChannel 1: Yep.\n\nChannel 0: and then kind of the corresponding balance.\n\nChannel 1: Yep.\n\nChannel 0: Now when we put together the investment portfolio, we are still using, like, the same concept. So still very much following that core and satellite approach to investment.\n\nChannel 1: Mhmm.\n\nChannel 0: Have you ever heard of that before?\n\nChannel 1: No.\n\nChannel 0: No. Basically, what it means is that we invest majority of the funds in what we call your core investment, which\n\nChannel 1: Mhmm.\n\nChannel 0: basically kind of represents the backbone of the portfolio. And these are kind of your very, well diversified\n\nChannel 1: Mhmm.\n\nChannel 0: investments, that have done really well in the past and that we believe will continue to do so in the future.\n\nChannel 1: Yep.\n\nChannel 0: So these will be, like, the biggest holdings. So for example, you can see iShares S and P five hundred. So the one that says IVV, can you\n\nChannel 1: Yep.\n\nChannel 0: see that kind of mid mid down? You\n\nChannel 1: Yeah.\n\nChannel 0: already have this in your portfolio at about 27.71%. We are just increasing\n\nChannel 1: Yep.\n\nChannel 0: it a little bit to 35. So this is one of those core investments. Now this one here, it is very diversified because it invests in the 500 largest companies listed in The US. So you have five\n\nChannel 1: Yep.\n\nChannel 0: 100 different companies. You will have all the big companies like Microsoft, Amazon, Apple, all the big companies. So very diversified for you.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Now at the same time, though, we don't wanna make we don't wanna have just just investments in The US. We wanna make sure we diversify things for you.\n\nChannel 1: Yep.\n\nChannel 0: So what we have swapped out, currently, your Australian investment is not Ben along Australian equity, which is the one I mentioned during the annual review that I really wanted to look at revisiting\n\nChannel 1: Yep.\n\nChannel 0: because it was underperforming.\n\nChannel 1: Yep.\n\nChannel 0: What I have then sub substituted for is it kind of spills over the next page, but it's\n\nChannel 1: Yep.\n\nChannel 0: the one that's called beta shares Australia two hundred. Can you see that?\n\nChannel 1: And this what page is that one on?\n\nChannel 0: So just the next page following that\n\nChannel 1: The next\n\nChannel 0: table because\n\nChannel 1: page.\n\nChannel 0: the the big table kind of\n\nChannel 1: Oh, yeah. I see it.\n\nChannel 0: flows\n\nChannel 1: Yeah.\n\nChannel 0: on.\n\nChannel 1: I was\n\nChannel 0: Yeah.\n\nChannel 1: still the cash account, but missed the the table above it.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: No. Got that. Yep.\n\nChannel 0: So this is another one of those core investments. Again, very diversified because it invests in the 200 companies largest, but in Australia. So it gives you that kind of the difference. So you'll\n\nChannel 1: Mhmm.\n\nChannel 0: have all\n\nChannel 1: Yep.\n\nChannel 0: the big banks and BHP and Woolworths. Again, very diversified for you.\n\nChannel 1: Yep.\n\nChannel 0: Now if you scroll up through that first page, so the one\n\nChannel 1: Yep.\n\nChannel 0: that had the more of them,\n\nChannel 1: Yep.\n\nChannel 0: you then have your satellite investments. Now these are the ones that will give you the most amount of growth, but they\n\nChannel 1: Yep.\n\nChannel 0: can also fluctuate. So they are\n\nChannel 1: Yep.\n\nChannel 0: a little bit more kind of dynamic, a little bit more specialized, and they kind of target different sectors, regions, or assets.\n\nChannel 1: Yep.\n\nChannel 0: So that's why we only have a smaller portion allocated through them. So not as high\n\nChannel 1: Right.\n\nChannel 0: as what we had in the iShares S and P 500 or the beta shares a two a 200. So, for example, you have, like, the bottom three in this table. So\n\nChannel 1: Yep.\n\nChannel 0: you have 9% in Europe. Again, very diversified investment because we wanna diversify you globally as well.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: that invests in Europe for you. You'd have 5% in Japan. Again, the big companies listed in Japan for you to give you that diversification and exposure. And then you do have 8% in an investment that's called Vanguard All World. You may have\n\nChannel 1: Yep.\n\nChannel 0: heard of Vanguard before. They're quite big.\n\nChannel 1: Yeah. I have, actually. Yeah.\n\nChannel 0: Yeah. Yeah. So this one here does invest in companies all around the world, but it excludes The US. Because you already have exposure to The US market in that iShares S and P 500, and we don't want too much allocation\n\nChannel 1: Yep.\n\nChannel 0: to one area either. Does\n\nChannel 1: Yep.\n\nChannel 0: that make sense?\n\nChannel 1: Yeah. Yep. It does.\n\nChannel 0: Yep. Yep. Perfect. Now you also obviously have some of that defensive to your investments to limit those fluctuations. So you have gold still in your portfolio.\n\nYou had it before at seven point nine up just changing it to about 7%, but still maintaining that in your portfolio. You also had a fixed interest that I share is core composite bond. You already had that in your portfolio, but it was at around 8.54, just reducing that down to about 5%.\n\nChannel 1: Yep.\n\nChannel 0: You also had another satellite, the cybersecurity. Again, you already had it in your portfolio, but\n\nChannel 1: Yep.\n\nChannel 0: you had it at about 8.34. Just realigning it back through to 6% for\n\nChannel 1: Yeah.\n\nChannel 0: you.\n\nChannel 1: Yep.\n\nChannel 0: Do you have any questions in regards to any of the investments?\n\nChannel 1: No. No. That\n\nChannel 0: No.\n\nChannel 1: all\n\nChannel 0: Perfect.\n\nChannel 1: looks pretty straightforward to me. Yeah.\n\nChannel 0: Yep. Now in the appendix, which is the second attachment, if you ever wanted to just do some light reading and have a bit of a\n\nChannel 1: And\n\nChannel 0: research\n\nChannel 1: here.\n\nChannel 0: on it, I have included all the investment links for each and every one of these investments.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: if you do ever wanna go and have a look at them, it's all all the research and everything is there for you.\n\nChannel 1: Yep. Lovely.\n\nChannel 0: Yep. Now you can also see the cash account you mentioned. So\n\nChannel 1: Yep.\n\nChannel 0: with HUB24, they do have a minimum cash account that you need to have in your account of 1.25%.\n\nChannel 1: Yep.\n\nChannel 0: Now when, obviously, contributions and stuff go in through superannuation, it can fluctuate a little bit, but it does even out when we do place trades. But we\n\nChannel 1: Yep.\n\nChannel 0: do wanna keep it as close to that 1.25 as possible because your cash isn't gonna grow\n\nChannel 1: Yeah.\n\nChannel 0: same as your other investments. So we do\n\nChannel 1: Yep.\n\nChannel 0: wanna kind of state that minimum amount, if\n\nChannel 1: Yep.\n\nChannel 0: that makes sense.\n\nChannel 1: Yep. No\n\nChannel 0: Yep.\n\nChannel 1: worries.\n\nChannel 0: Perfect. Now the next page then shows you the proposed asset allocation. It's like a\n\nChannel 1: Mhmm.\n\nChannel 0: pie chart and another table. Can you see that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now this one here shows you the the difference between the two the two portfolios. So you can see your risk profile aiming for around that $80.20 mark, but it\n\nChannel 1: Mhmm.\n\nChannel 0: does can change or fluctuate a little bit up to about $85.15 depending on, again, kind of prices and everything like that.\n\nChannel 1: Yep. Yep.\n\nChannel 0: You then have your existing, so what you are currently invested in, and then you have the proposed.\n\nChannel 1: Mhmm.\n\nChannel 0: So both portfolios are quite fairly similar and both aligning within that growth profile, if that makes sense.\n\nChannel 1: Yep. No. That's\n\nChannel 0: Yep.\n\nChannel 1: good.\n\nChannel 0: Perfect. Now the next table or next page shows you\n\nChannel 1: Yep.\n\nChannel 0: a retirement income calculator. Have you ever seen something like this before?\n\nChannel 1: No.\n\nChannel 0: No. So, basically, this one here, it is to kind of just show you how things are tracking at the moment and, obviously, including that salary sacrifice for you. So\n\nChannel 1: Mhmm.\n\nChannel 0: it shows you that if you wanted to retire at 65, what you have then your your kind of dark green is the income drawn from your superannuation. So\n\nChannel 1: Yep.\n\nChannel 0: if we targeted about a thousand dollars per week as\n\nChannel 1: Yep.\n\nChannel 0: an income just to support yourself, it shows you that your superannuation will last, if things obviously are tracking, until about 91.\n\nChannel 1: Okay.\n\nChannel 0: Now what this also shows is that what we have done, and it obviously depends on how long you are working for and your risk tolerance. But to be more conservative, what I'd like to do is assuming that when you retire, to after 65, you will be in a defensive investment. So then we are assuming the growth on your investments will be down to 5% instead of\n\nChannel 1: Mhmm.\n\nChannel 0: that 11.57. So, obviously,\n\nChannel 1: Mhmm.\n\nChannel 0: if you do wanna be invested in a little bit more or have more time frame, you'll obviously have more, but I prefer to show a little bit more of that conservative\n\nChannel 1: Yep.\n\nChannel 0: approach, especially when\n\nChannel 1: Yep.\n\nChannel 0: you do decide to retire, if that makes sense.\n\nChannel 1: Yep. Yep. That\n\nChannel 0: Yep.\n\nChannel 1: makes sense.\n\nChannel 0: Yeah. And then you have the light blue kind of under it. That would then be age pension. So,\n\nChannel 1: Yep.\n\nChannel 0: obviously, depending on situation at the time, but it will also show that you can get a little bit from about 69, and then that\n\nChannel 1: Mhmm.\n\nChannel 0: kind of takes you through as well.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Yeah. So at\n\nChannel 1: Okay.\n\nChannel 0: least it shows you that things are kind of tracking nicely. And especially if\n\nChannel 1: Yep.\n\nChannel 0: we're doing that salary sacrifice, which is actually the the next couple of pages,\n\nChannel 1: Yep.\n\nChannel 0: it does make make a bit of a difference, and it's always\n\nChannel 1: Okay.\n\nChannel 0: something you can change.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep. So next page shows\n\nChannel 1: Yeah.\n\nChannel 0: you it should have a heading where it says, make salary sacrifice contributions into hub twenty four up a $100 per fortnight. Can you see that?\n\nChannel 1: Yep. Because it got\n\nChannel 0: Yes.\n\nChannel 1: the taylor on it.\n\nChannel 0: Yes. So, basically,\n\nChannel 1: Yep.\n\nChannel 0: again, table, I usually find easiest to look at. So the the good thing with seller sacrifice lines is that contributions going into super east tax at 15%, which is obviously a lot less than your 302% medical levy that you pay for on your income. So that's what\n\nChannel 1: Mhmm.\n\nChannel 0: makes\n\nChannel 1: Yep.\n\nChannel 0: it kind of tax effective. But aside from, obviously, that it does boost your superannuation. It means you have more money being invested for a longer period of time as\n\nChannel 1: Yep.\n\nChannel 0: well. Obviously, the thing to be mindful of is that contributions that you put into superannuation, it will reduce your cash flow a little bit, and it will also be locked in until you meet a condition of release. So for example, if you turn 60 and stop working. So, obviously, make sure it's not kind of money that you do need\n\nChannel 1: Oh, so once you\n\nChannel 0: on\n\nChannel 1: do a salary sacrifice, you have to keep doing it?\n\nChannel 0: no.\n\nChannel 1: Is that\n\nChannel 0: But\n\nChannel 1: no.\n\nChannel 0: you can't\n\nChannel 1: No.\n\nChannel 0: take the money out. So let's say you\n\nChannel 1: Oh, yeah. Yeah. Yeah. Yeah. No.\n\nThat's fine.\n\nChannel 0: yeah.\n\nChannel 1: I wouldn't yeah. Yeah. Gotcha.\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: Perfect.\n\nChannel 1: That makes sense.\n\nChannel 0: But no.\n\nChannel 1: Yep.\n\nChannel 0: If you go to\n\nChannel 1: No.\n\nChannel 0: your employer tomorrow\n\nChannel 1: Yes.\n\nChannel 0: and say, yeah, a $100 a fortnight, And then in two weeks, you go, no. I don't want it. Just tell your employer and they stop it.\n\nChannel 1: Yeah.\n\nChannel 0: You\n\nChannel 1: Yeah.\n\nChannel 0: can\n\nChannel 1: Yeah.\n\nChannel 0: start\n\nChannel 1: But\n\nChannel 0: and stop\n\nChannel 1: what\n\nChannel 0: whenever you've\n\nChannel 1: yep.\n\nChannel 0: gone through.\n\nChannel 1: Yeah. But what I've put in there stays in there.\n\nChannel 0: Correct. Yes.\n\nChannel 1: Yep.\n\nChannel 0: So, obviously, something to be mindful of.\n\nChannel 1: Yep.\n\nChannel 0: Now\n\nChannel 1: No worries.\n\nChannel 0: this table here shows you kind of the money side, how it changes. So\n\nChannel 1: Mhmm.\n\nChannel 0: on the top section, it shows you your income tax and how it\n\nChannel 1: Mhmm.\n\nChannel 0: changes.\n\nChannel 1: Yep.\n\nChannel 0: So you can see your current position, the salary sacrifice, taxable income, tax on\n\nChannel 1: Mhmm.\n\nChannel 0: the taxable income, and then your net income. So\n\nChannel 1: Yep.\n\nChannel 0: by salary sacrificing a $100 per fortnight, it will reduce your yearly income by about 1,768.\n\nChannel 1: Yeah. Which is not a lot, really, over\n\nChannel 0: And\n\nChannel 1: a year.\n\nChannel 0: exactly.\n\nChannel 1: Yep.\n\nChannel 0: So sometimes\n\nChannel 1: Yep.\n\nChannel 0: seeing it on on this scale, it kind\n\nChannel 1: Yeah.\n\nChannel 0: of like, oh, okay. Well,\n\nChannel 1: Yeah.\n\nChannel 0: that's not too bad. That's always something you can change as well.\n\nChannel 1: Yep.\n\nChannel 0: Now underneath it, it then shows you the impact on the superannuation. So it\n\nChannel 1: Mhmm.\n\nChannel 0: shows you the contributions you're getting from your employer. It then shows you on the proposed side, the salary sacrificed amount. Again, obviously, tax is paid on contributions, and\n\nChannel 1: Mhmm.\n\nChannel 0: then you have the net contribution. So you can see that it is boosting your super by about $2,210. And\n\nChannel 1: Yeah.\n\nChannel 0: when you\n\nChannel 1: Yep.\n\nChannel 0: do factor in extra super minus the income, it still puts you in a better off position by about $442.\n\nChannel 1: Yep. No. That's\n\nChannel 0: Yeah.\n\nChannel 1: good.\n\nChannel 0: Does\n\nChannel 1: Yep.\n\nChannel 0: that make sense?\n\nChannel 1: Yeah. It does. Yep.\n\nChannel 0: Yeah. Okay. Perfect. Again, on the next pages, it shows you advantages, disadvantages, and risks. But kind of like we touched on, a big advantage is it continues to boost and grow your superannuation, reduces tax payable, which is fantastic.\n\nBut a disadvantage is that you will obviously have a little bit of that reduced net income.\n\nChannel 1: Yep.\n\nChannel 0: It's locked in until you act can access the money. One of the risks is that there's always a potential change to legislation.\n\nChannel 1: Yep.\n\nChannel 0: But, obviously, if that were to change or if it was to drastically decrease, which I doubt is usually the opposite. It's\n\nChannel 1: Yep.\n\nChannel 0: just obviously something we would have to just revisit if we need to make any changes.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep. Perfect. Now an alternative considered, so that is page 23, is instead of doing salary sacrifice, if you just do a lump sum, you can\n\nChannel 1: Yep.\n\nChannel 0: do lump sum in in and change it to pretax. But\n\nChannel 1: Yep.\n\nChannel 0: by using salary sacrifice, you do take advantage of that kind of dollar cost averaging, which means that throughout the year, you're going to have more money invested than if you just do a lump sum at the end of the year. But, also, with all the ups and downs of the market fluctuations, by doing it regularly, it means that sometimes you're investing when the market's up, sometimes when it's down, and you kind of take\n\nChannel 1: Yep.\n\nChannel 0: advantage of the ups and downs then if you just do, like, a lump sum. And if at the time the market is up, you don't get as much.\n\nChannel 1: Yeah. Yeah. That makes\n\nChannel 0: Yeah.\n\nChannel 1: sense. Yep.\n\nChannel 0: Yeah. Perfect. Now any questions so far? Or it's pretty straightforward.\n\nChannel 1: No. It's pretty straightforward at\n\nChannel 0: No?\n\nChannel 1: the moment.\n\nChannel 0: Yep. Perfect. We're almost at the end. And the next two or next couple of pages, actually, it shows you a little bit more in regards to setting up a will. Just some information\n\nChannel 1: Yep.\n\nChannel 0: for you. And then, again, when it comes to power of attorney, the different types of power of attorney available\n\nChannel 1: Yep. Yep.\n\nChannel 0: as well that you can have a bit of a read over.\n\nChannel 1: Three. Yep. No worries.\n\nChannel 0: Yep. Perfect. Now that then takes us to our ongoing services, which obviously you would be aware of doing the under review, every twelve months, which is where we obviously reassess everything for you in detail. But\n\nChannel 1: Yep.\n\nChannel 0: it doesn't mean that we have to wait to under review. So if at any point in time, obviously, you guys want an appointment or there's anything any questions or anything you need, you know, there's no additional fees or charges at all if you wanted to do monthly catch up or quarterly catch up or just call whenever you have a question. There\n\nChannel 1: Yep.\n\nChannel 0: is no changes. So that's\n\nChannel 1: Yep.\n\nChannel 0: all just kind of part part of the service for you.\n\nChannel 1: No worries.\n\nChannel 0: Yep. Now the last thing is then in regards to the remuneration again. So that is page 31 or 32.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So kind of like I mentioned in the annual review, no changes whatsoever in regards to the fee structure. And, again, obviously, because we have both of you as clients, you are on that reduced 1.1% from\n\nChannel 1: Yep.\n\nChannel 0: Super. And so that's not changing. So if you are happy and you wanted to go ahead with the recommendation, there is no additional fees or charges at all to implement that. That is all part of the service.\n\nChannel 1: Okay. Yep.\n\nChannel 0: And I have also just included just the insurances for your awareness. So when it comes to the insurance, I'm not sure if you remember when we set them up for you, but we do get 22% commissions on the premium.\n\nChannel 1: Okay. Yep.\n\nChannel 0: MetLife, so the\n\nChannel 1: Yep.\n\nChannel 0: insurer paying us, it is not you paying us. Before compliance, we have to disclose any commissions we receive so that you are fully aware. But, again,\n\nChannel 1: No one.\n\nChannel 0: you don't pay for that.\n\nChannel 1: Yep. No problem.\n\nChannel 0: Yep. Perfect. And that basically summarizes everything. So as you scroll through, you will see authority to proceed, and that basically just shows that if you are happy with the recommendation, what we are looking at doing is keeping your hub twenty four account, change some of those underlying investments, and then look to do that salary sacrifice for you as well.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep. Perfect. Now the next page, it shows how to implement our advice. You don't really have to worry about it because if it was\n\nChannel 1: Yep.\n\nChannel 0: something that you wanted to do, we would do it all in the back end. The only\n\nChannel 1: Yep.\n\nChannel 0: thing would be that you would just contact your employer and say that\n\nChannel 1: Yep.\n\nChannel 0: you would like to start salary sacrificing.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Cool. No\n\nChannel 0: Now\n\nChannel 1: worries.\n\nChannel 0: that was essentially everything I had to go through. So,\n\nChannel 1: Yep.\n\nChannel 0: obviously, from here, if you wanted to take some time to read over these documents, you are more than welcome to do so.\n\nChannel 1: Yep.\n\nChannel 0: When you do have a read over it or if you are happy to go ahead with the recommendation, it will then be pretty straightforward. It's the same as the annual review. Where you are or where it said start now to sign documents,\n\nChannel 1: Yep.\n\nChannel 0: it will just ask you to add a little signature at the end of the statement of advice, and\n\nChannel 1: Yep.\n\nChannel 0: it will then automatically send it back to me. And that tells me that you are happy with the recommendation, and I will let the team know to go ahead and make those changes for you.\n\nChannel 1: Cool. So I will just hit click to start and then, yeah, follow.\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: Exactly.\n\nChannel 1: No worries.\n\nChannel 0: Yep.\n\nChannel 1: Okay.\n\nChannel 0: Perfect.\n\nChannel 1: Perfect. Yep. Sounds\n\nChannel 0: Now\n\nChannel 1: good.\n\nChannel 0: do you have any questions for me at all?\n\nChannel 1: No. That's really good. Thank you.\n\nChannel 0: Yeah. Nope.\n\nChannel 1: So I'll probably, yeah, just have a bit of a read tonight.\n\nChannel 0: Yes.\n\nChannel 1: And\n\nChannel 0: Yep.\n\nChannel 1: yeah. I mean, it's just more my just do some rough calcs on the salary sacrifice and but I don't\n\nChannel 0: Yes.\n\nChannel 1: think it's a a massive deal when I work it\n\nChannel 0: Yeah.\n\nChannel 1: out weekly at the end of the day. So\n\nChannel 0: Yeah.\n\nChannel 1: yeah. No. That's good.\n\nChannel 0: And if you do let's say you you run through it and you go, no. I don't wanna start salary sacrificing yet, but I'm happy to make the investment change. In\n\nChannel 1: Yeah.\n\nChannel 0: the SOA, there's a little text box just before signing that\n\nChannel 1: Yep.\n\nChannel 0: it will allow you to type. So you could\n\nChannel 1: Oh,\n\nChannel 0: just\n\nChannel 1: okay.\n\nChannel 0: type there. For example, if you go, no. I don't wanna do salary sacrifice yet, which is perfectly fine. You could just\n\nChannel 1: Yep.\n\nChannel 0: type, I'm happy with the investment change, but prefer not to do the salary sacrifice yet.\n\nChannel 1: Yep. Okay. Yep.\n\nChannel 0: And that's perfectly fine. Or if there was any other changes you wanna make, it's kind of like a free box where it allows you\n\nChannel 1: Yeah.\n\nChannel 0: to type.\n\nChannel 1: Okay. No worries.\n\nChannel 0: Yep.\n\nChannel 1: Thanks for that. Yeah. Good.\n\nChannel 0: No problem\n\nChannel 1: Alright.\n\nChannel 0: at all.\n\nChannel 1: Awesome.\n\nChannel 0: Well, that was basically everything. Any questions for me before I let you go and enjoy the rest of your afternoon or evening, I\n\nChannel 1: No.\n\nChannel 0: should say?\n\nChannel 1: No. Pete did tell me to let you know he couldn't get those photos through. We couldn't get it to work\n\nChannel 0: Yes.\n\nChannel 1: on the email with that payment thing overdue. So,\n\nChannel 0: Yeah. Is he there with you?\n\nChannel 1: yes, he is.\n\nChannel 0: Can he\n\nChannel 1: Yep.\n\nChannel 0: hear me?\n\nChannel 1: I'll pop you on speaker.\n\nChannel 0: Yes.\n\nChannel 1: Here he is. How are you?\n\nChannel 0: Yeah. Good, Peter. How\n\nChannel 1: I'm\n\nChannel 0: are you?\n\nChannel 1: good. Thank you. Yeah. I could\n\nChannel 0: Now,\n\nChannel 1: not\n\nChannel 0: Sarah\n\nChannel 1: get those through. But no matter what I tried, I haven't come across that before. It was really kinda bizarre.\n\nChannel 0: yeah.\n\nChannel 1: So\n\nChannel 0: Yeah. Because I was keeping a look at for today, but I did actually call a sender regardless because they should have their emails. So I was just about to send you an email, but now when you're here on the phone, it's\n\nChannel 1: Yeah.\n\nChannel 0: good.\n\nChannel 1: Easy. Yep.\n\nChannel 0: So I did call them today just to query, and I said that you did receive two emails, which was very strange. But, obviously, since then, we've got the certificate of currency, things paid up to date. You shouldn't have received that out of pocket because it's not something you pay for out of pocket.\n\nChannel 1: Yes.\n\nChannel 0: And they just apologized for the error and said that they were having some technical issues. And, yes, they apologized\n\nChannel 1: Okay.\n\nChannel 0: for that letter\n\nChannel 1: Beautiful.\n\nChannel 0: even though it was true.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: Beautiful.\n\nChannel 0: I'm very happy that you did not\n\nChannel 1: Yes.\n\nChannel 0: proceed with paying\n\nChannel 1: Quiet.\n\nChannel 0: it. So\n\nChannel 1: Yeah.\n\nChannel 0: if\n\nChannel 1: Yeah.\n\nChannel 0: if for some reason either of you aim get anything from this, just call me just\n\nChannel 1: Yep.\n\nChannel 0: to be sure. It shouldn't happen. And they\n\nChannel 1: Yes.\n\nChannel 0: were very apologetic, but they reassured me that everything is paid and everything is up to date.\n\nChannel 1: Lovely. Thanks for following that up.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Awesome.\n\nChannel 0: No.\n\nChannel 1: Thank you.\n\nChannel 0: That is no problem. I will let you guys go and enjoy dinner soon, I'm sure.\n\nChannel 1: Yeah.\n\nChannel 0: And any questions, just just let me know either of you. Okay?\n\nChannel 1: Lovely. Thank you so much. Enjoy your night.\n\nChannel 0: Nope. You too. We'll speak soon.\n\nChannel 1: Bye.\n\nChannel 0: Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.24,"end":0.74,"sentiment":"neutral","sentiment_score":0.03047879971563816}],"sentiment":"neutral","sentiment_score":0.03047879971563816,"channel":1,"num_words":1,"start":0.24,"end":0.74},{"sentences":[{"text":"Good afternoon.","start":1.4399999,"end":2.08,"sentiment":"neutral","sentiment_score":0.21786431968212128},{"text":"Is this Sarah Jane?","start":2.08,"end":3.3,"sentiment":"neutral","sentiment_score":0.09417543187737465}],"sentiment":"neutral","sentiment_score":0.13540506114562353,"channel":0,"num_words":6,"start":1.4399999,"end":3.3},{"sentences":[{"text":"Yes.","start":3.6,"end":3.9199998,"sentiment":"neutral","sentiment_score":0.09320970624685287},{"text":"It is.","start":3.9199998,"end":4.58,"sentiment":"neutral","sentiment_score":0.10664116963744164}],"sentiment":"neutral","sentiment_score":0.10216401517391205,"channel":1,"num_words":3,"start":3.6,"end":4.58},{"sentences":[{"text":"This is Veronica from Financial.","start":4.96,"end":6.74,"sentiment":"neutral","sentiment_score":0.14326949119567872},{"text":"How are you?","start":7.2799997,"end":8.1,"sentiment":"neutral","sentiment_score":0.15766549607117972}],"sentiment":"neutral","sentiment_score":0.14866799302399158,"channel":0,"num_words":8,"start":4.96,"end":8.1},{"sentences":[{"text":"Good.","start":8.32,"end":8.639999,"sentiment":"positive","sentiment_score":0.3717600107192993},{"text":"How are you?","start":8.639999,"end":9.46,"sentiment":"neutral","sentiment_score":0.25734856228033703}],"sentiment":"neutral","sentiment_score":0.2859514243900776,"channel":1,"num_words":4,"start":8.32,"end":9.46},{"sentences":[{"text":"I'm good.","start":9.84,"end":10.719999,"sentiment":"positive","sentiment_score":0.6119939684867859},{"text":"Thank you.","start":10.719999,"end":11.54,"sentiment":"positive","sentiment_score":0.6859559118747711},{"text":"I had you booked in to go over the recommendations on your super investment.","start":12.895,"end":18.015,"sentiment":"neutral","sentiment_score":0.28820524364709854},{"text":"So is now still","start":18.015,"end":18.655,"sentiment":"neutral","sentiment_score":0.10389568097889423}],"sentiment":"neutral","sentiment_score":0.3202889043499123,"channel":0,"num_words":22,"start":9.84,"end":18.655},{"sentences":[{"text":"Yes.","start":18.535,"end":19.035,"sentiment":"neutral","sentiment_score":0.22364142537117004}],"sentiment":"neutral","sentiment_score":0.22364142537117004,"channel":1,"num_words":1,"start":18.535,"end":19.035},{"sentences":[{"text":"a good time for you?","start":18.655,"end":19.875,"sentiment":"neutral","sentiment_score":0.31315983533859254}],"sentiment":"neutral","sentiment_score":0.31315983533859254,"channel":0,"num_words":5,"start":18.655,"end":19.875},{"sentences":[{"text":"Yes.","start":20.055,"end":20.455,"sentiment":"neutral","sentiment_score":0.15315836668014526},{"text":"It 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usual,","start":23.455,"end":27.47,"sentiment":"neutral","sentiment_score":0.09121899244685967}],"sentiment":"neutral","sentiment_score":0.12840585658947626,"channel":0,"num_words":15,"start":21.295,"end":27.47},{"sentences":[{"text":"Yep.","start":28.375,"end":28.875,"sentiment":"neutral","sentiment_score":0.0785435363650322}],"sentiment":"neutral","sentiment_score":0.0785435363650322,"channel":1,"num_words":1,"start":28.375,"end":28.875},{"sentences":[{"text":"just letting you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":28.73,"end":33.87,"sentiment":"neutral","sentiment_score":0.06832219639586078}],"sentiment":"neutral","sentiment_score":0.06832219639586078,"channel":0,"num_words":18,"start":28.73,"end":33.87},{"sentences":[{"text":"Yep.","start":34.2,"end":34.44,"sentiment":"neutral","sentiment_score":0.16062261164188385},{"text":"That's","start":34.44,"end":34.94,"sentiment":"neutral","sentiment_score":0.30846714973449707}],"sentiment":"neutral","sentiment_score":0.23454488068819046,"channel":1,"num_words":2,"start":34.2,"end":34.94},{"sentences":[{"text":"Perfect.","start":35.93,"end":36.43,"sentiment":"positive","sentiment_score":0.42783287167549133}],"sentiment":"positive","sentiment_score":0.42783287167549133,"channel":0,"num_words":1,"start":35.93,"end":36.43},{"sentences":[{"text":"fine.","start":36.44,"end":36.94,"sentiment":"neutral","sentiment_score":0.2512640655040741}],"sentiment":"neutral","sentiment_score":0.2512640655040741,"channel":1,"num_words":1,"start":36.44,"end":36.94},{"sentences":[{"text":"And just for security, if I could just get you to confirm your full name, date of birth, and address, please.","start":36.57,"end":42.465,"sentiment":"neutral","sentiment_score":0.09932369809775125}],"sentiment":"neutral","sentiment_score":0.09932369809775125,"channel":0,"num_words":21,"start":36.57,"end":42.465},{"sentences":[{"text":"Yep.","start":42.92,"end":43.42,"sentiment":"neutral","sentiment_score":0.03197810798883438},{"text":"Sarah Jane Schembri, seventeenth of the eleventh seventy two.","start":43.8,"end":48.024998,"sentiment":"neutral","sentiment_score":0.03520749343766107},{"text":"17 Gairdner Lane, Moreton Lake, South Australia 5095.","start":48.024998,"end":52.045,"sentiment":"neutral","sentiment_score":0.027189924265258014}],"sentiment":"neutral","sentiment_score":0.031464719058324896,"channel":1,"num_words":18,"start":42.92,"end":52.045},{"sentences":[{"text":"Yep.","start":52.385002,"end":52.885002,"sentiment":"neutral","sentiment_score":0.10782068967819214},{"text":"Perfect.","start":52.945,"end":53.445,"sentiment":"neutral","sentiment_score":0.3279573321342468},{"text":"And how's your day been?","start":53.585,"end":54.864998,"sentiment":"neutral","sentiment_score":0.13784226328134536},{"text":"Been busy?","start":54.864998,"end":55.605,"sentiment":"neutral","sentiment_score":0.00033814646303653544}],"sentiment":"neutral","sentiment_score":0.12507395901613766,"channel":0,"num_words":9,"start":52.385002,"end":55.605},{"sentences":[{"text":"Okay.","start":55.385,"end":55.545,"sentiment":"neutral","sentiment_score":0.01604401133954525},{"text":"Can I see?","start":55.545,"end":56.204998,"sentiment":"neutral","sentiment_score":0.004397734689215819},{"text":"Yeah.","start":56.585,"end":57.085,"sentiment":"neutral","sentiment_score":-0.01245295163244009},{"text":"Somewhat.","start":57.465,"end":57.965,"sentiment":"neutral","sentiment_score":-0.08936604857444763},{"text":"I've just got home, like, probably half hour ago, 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went chaotic in the last portion of the day.","start":63.28,"end":67.14,"sentiment":"neutral","sentiment_score":-0.27542487978935243}],"sentiment":"neutral","sentiment_score":-0.2648583420298316,"channel":1,"num_words":11,"start":62.8,"end":67.14},{"sentences":[{"text":"Yeah.","start":67.09,"end":67.409996,"sentiment":"neutral","sentiment_score":-0.06363910436630249},{"text":"Well, sometimes it's","start":67.409996,"end":68.77,"sentiment":"neutral","sentiment_score":-0.07351034382979076}],"sentiment":"neutral","sentiment_score":-0.07104253396391869,"channel":0,"num_words":4,"start":67.09,"end":68.77},{"sentences":[{"text":"As","start":68.72,"end":69.04,"sentiment":"neutral","sentiment_score":-0.06794065237045288}],"sentiment":"neutral","sentiment_score":-0.06794065237045288,"channel":1,"num_words":1,"start":68.72,"end":69.04},{"sentences":[{"text":"like that.","start":68.77,"end":69.43,"sentiment":"neutral","sentiment_score":-0.08917092904448509}],"sentiment":"neutral","sentiment_score":-0.08917092904448509,"channel":0,"num_words":2,"start":68.77,"end":69.43},{"sentences":[{"text":"yeah.","start":69.439995,"end":69.939995,"sentiment":"neutral","sentiment_score":-0.03891613334417343},{"text":"It is started well, and then when I was like, what?","start":70.32,"end":73.06,"sentiment":"neutral","sentiment_score":-0.03490070439875126}],"sentiment":"neutral","sentiment_score":-0.03523532347753644,"channel":1,"num_words":12,"start":69.439995,"end":73.06},{"sentences":[{"text":"Especially at the","start":75.015,"end":75.655,"sentiment":"neutral","sentiment_score":-0.05346370488405228}],"sentiment":"neutral","sentiment_score":-0.05346370488405228,"channel":0,"num_words":3,"start":75.015,"end":75.655},{"sentences":[{"text":"Yeah.","start":75.645,"end":76.145,"sentiment":"neutral","sentiment_score":-0.03983106464147568}],"sentiment":"neutral","sentiment_score":-0.03983106464147568,"channel":1,"num_words":1,"start":75.645,"end":76.145},{"sentences":[{"text":"end of the week too.","start":75.655,"end":76.795,"sentiment":"neutral","sentiment_score":-0.05306492820382118}],"sentiment":"neutral","sentiment_score":-0.05306492820382118,"channel":0,"num_words":5,"start":75.655,"end":76.795},{"sentences":[{"text":"Oh, no.","start":77.405,"end":77.80499,"sentiment":"neutral","sentiment_score":-0.12266783416271208},{"text":"This is the beginning of my week.","start":77.80499,"end":79.16499,"sentiment":"neutral","sentiment_score":-0.15251826175621577},{"text":"So I went back yesterday, but I'm in the I've just started seven days straight.","start":79.16499,"end":83.244995,"sentiment":"neutral","sentiment_score":-0.1333411340912183},{"text":"So it's like yesterday was Monday for me.","start":83.244995,"end":85.884995,"sentiment":"neutral","sentiment_score":-0.12646102346479893},{"text":"I don't finish till","start":85.884995,"end":86.84499,"sentiment":"neutral","sentiment_score":-0.12501414120197296}],"sentiment":"neutral","sentiment_score":-0.1340229240142637,"channel":1,"num_words":36,"start":77.405,"end":86.84499},{"sentences":[{"text":"Yes.","start":86.71,"end":87.21,"sentiment":"neutral","sentiment_score":-0.07506668567657471}],"sentiment":"neutral","sentiment_score":-0.07506668567657471,"channel":0,"num_words":1,"start":86.71,"end":87.21},{"sentences":[{"text":"next 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paying","start":2327.105,"end":2328.065,"sentiment":"neutral","sentiment_score":0.10776067028443019}],"sentiment":"neutral","sentiment_score":0.10776067028443019,"channel":0,"num_words":3,"start":2327.105,"end":2328.065},{"sentences":[{"text":"Quiet.","start":2328.0498,"end":2328.45,"sentiment":"neutral","sentiment_score":0.12601742148399353}],"sentiment":"neutral","sentiment_score":0.12601742148399353,"channel":1,"num_words":1,"start":2328.0498,"end":2328.45},{"sentences":[{"text":"it.","start":2328.065,"end":2328.305,"sentiment":"neutral","sentiment_score":0.13874465227127075},{"text":"So","start":2328.305,"end":2328.465,"sentiment":"neutral","sentiment_score":0.10070617496967316}],"sentiment":"neutral","sentiment_score":0.11972541362047195,"channel":0,"num_words":2,"start":2328.065,"end":2328.465},{"sentences":[{"text":"Yeah.","start":2328.45,"end":2328.95,"sentiment":"neutral","sentiment_score":0.08514310419559479}],"sentiment":"neutral","sentiment_score":0.08514310419559479,"channel":1,"num_words":1,"start":2328.45,"end":2328.95},{"sentences":[{"text":"if","start":2328.465,"end":2328.965,"sentiment":"neutral","sentiment_score":0.03655045107007027}],"sentiment":"neutral","sentiment_score":0.03655045107007027,"channel":0,"num_words":1,"start":2328.465,"end":2328.965},{"sentences":[{"text":"Yeah.","start":2329.01,"end":2329.51,"sentiment":"neutral","sentiment_score":0.0515330582857132}],"sentiment":"neutral","sentiment_score":0.0515330582857132,"channel":1,"num_words":1,"start":2329.01,"end":2329.51},{"sentences":[{"text":"if for some reason either of you aim get anything from this, just call me just","start":2329.345,"end":2334.465,"sentiment":"neutral","sentiment_score":0.03243676107376814}],"sentiment":"neutral","sentiment_score":0.03243676107376814,"channel":0,"num_words":16,"start":2329.345,"end":2334.465},{"sentences":[{"text":"Yep.","start":2334.2898,"end":2334.7898,"sentiment":"neutral","sentiment_score":0.05073695629835129}],"sentiment":"neutral","sentiment_score":0.05073695629835129,"channel":1,"num_words":1,"start":2334.2898,"end":2334.7898},{"sentences":[{"text":"to be sure.","start":2334.465,"end":2335.105,"sentiment":"neutral","sentiment_score":0.027397022893031437},{"text":"It shouldn't happen.","start":2335.105,"end":2336.165,"sentiment":"neutral","sentiment_score":0.01957968952289472},{"text":"And they","start":2336.47,"end":2337.03,"sentiment":"neutral","sentiment_score":0.07374321110546589}],"sentiment":"neutral","sentiment_score":0.03605206993233878,"channel":0,"num_words":8,"start":2334.465,"end":2337.03},{"sentences":[{"text":"Yes.","start":2336.93,"end":2337.43,"sentiment":"neutral","sentiment_score":0.0961768478155136}],"sentiment":"neutral","sentiment_score":0.0961768478155136,"channel":1,"num_words":1,"start":2336.93,"end":2337.43},{"sentences":[{"text":"were very apologetic, but they reassured me that everything is paid and everything is up to date.","start":2337.03,"end":2342.6501,"sentiment":"positive","sentiment_score":0.43257829546928406}],"sentiment":"positive","sentiment_score":0.43257829546928406,"channel":0,"num_words":17,"start":2337.03,"end":2342.6501},{"sentences":[{"text":"Lovely.","start":2342.685,"end":2343.085,"sentiment":"positive","sentiment_score":0.7519488334655762},{"text":"Thanks for following that up.","start":2343.085,"end":2344.205,"sentiment":"positive","sentiment_score":0.7470348596572876}],"sentiment":"positive","sentiment_score":0.7478538552920023,"channel":1,"num_words":6,"start":2342.685,"end":2344.205},{"sentences":[{"text":"Yep.","start":2344.1501,"end":2344.6501,"sentiment":"positive","sentiment_score":0.3518308103084564}],"sentiment":"positive","sentiment_score":0.3518308103084564,"channel":0,"num_words":1,"start":2344.1501,"end":2344.6501},{"sentences":[{"text":"Yeah.","start":2344.205,"end":2344.685,"sentiment":"positive","sentiment_score":0.425270140171051},{"text":"Awesome.","start":2344.685,"end":2345.185,"sentiment":"positive","sentiment_score":0.6361615061759949}],"sentiment":"positive","sentiment_score":0.530715823173523,"channel":1,"num_words":2,"start":2344.205,"end":2345.185},{"sentences":[{"text":"No.","start":2344.87,"end":2345.37,"sentiment":"neutral","sentiment_score":0.2803223133087158}],"sentiment":"neutral","sentiment_score":0.2803223133087158,"channel":0,"num_words":1,"start":2344.87,"end":2345.37},{"sentences":[{"text":"Thank you.","start":2345.325,"end":2346.065,"sentiment":"positive","sentiment_score":0.550216406583786}],"sentiment":"positive","sentiment_score":0.550216406583786,"channel":1,"num_words":2,"start":2345.325,"end":2346.065},{"sentences":[{"text":"That is no problem.","start":2345.6702,"end":2347.05,"sentiment":"positive","sentiment_score":0.5177540630102158},{"text":"I will let you guys go and enjoy dinner soon, I'm sure.","start":2347.35,"end":2350.97,"sentiment":"positive","sentiment_score":0.59536162763834}],"sentiment":"positive","sentiment_score":0.5759597364813089,"channel":0,"num_words":16,"start":2345.6702,"end":2350.97},{"sentences":[{"text":"Yeah.","start":2351.325,"end":2351.825,"sentiment":"neutral","sentiment_score":0.20434798300266263}],"sentiment":"neutral","sentiment_score":0.20434798300266263,"channel":1,"num_words":1,"start":2351.325,"end":2351.825},{"sentences":[{"text":"And any questions, just just let me know either of you.","start":2351.325,"end":2354.765,"sentiment":"neutral","sentiment_score":0.22938042879104614},{"text":"Okay?","start":2354.765,"end":2355.265,"sentiment":"neutral","sentiment_score":0.25387144088745117}],"sentiment":"neutral","sentiment_score":0.23142134646574655,"channel":0,"num_words":12,"start":2351.325,"end":2355.265},{"sentences":[{"text":"Lovely.","start":2355.48,"end":2355.98,"sentiment":"positive","sentiment_score":0.7323229908943176},{"text":"Thank you so much.","start":2356.04,"end":2357.08,"sentiment":"positive","sentiment_score":0.8216035515069962},{"text":"Enjoy your night.","start":2357.08,"end":2358.1401,"sentiment":"positive","sentiment_score":0.7342016498247782}],"sentiment":"positive","sentiment_score":0.7776677682995796,"channel":1,"num_words":8,"start":2355.48,"end":2358.1401},{"sentences":[{"text":"Nope.","start":2357.7249,"end":2358.2249,"sentiment":"neutral","sentiment_score":0.053144872188568115},{"text":"You too.","start":2358.605,"end":2359.165,"sentiment":"neutral","sentiment_score":0.17937421798706055},{"text":"We'll speak soon.","start":2359.165,"end":2360.145,"sentiment":"neutral","sentiment_score":0.17186198135217032}],"sentiment":"neutral","sentiment_score":0.1545798753698667,"channel":0,"num_words":6,"start":2357.7249,"end":2360.145},{"sentences":[{"text":"Bye.","start":2360.6,"end":2361.1,"sentiment":"neutral","sentiment_score":0.10568837821483612}],"sentiment":"neutral","sentiment_score":0.10568837821483612,"channel":1,"num_words":1,"start":2360.6,"end":2361.1},{"sentences":[{"text":"Okay.","start":2361.565,"end":2362.045,"sentiment":"neutral","sentiment_score":0.09924763441085815},{"text":"Bye.","start":2362.045,"end":2362.545,"sentiment":"neutral","sentiment_score":-0.11431281268596648}],"sentiment":"neutral","sentiment_score":-0.007532589137554162,"channel":0,"num_words":2,"start":2361.565,"end":2362.545}]},"summary":{"result":"success","short":"The representative from Financial discusses the investment recommendations with Sarah Jane and emphasizes the importance of finding the best option for her. They also explain the process of reviewing an investment portfolio and recommend reducing risk while maintaining capital gains taxes. The speaker emphasizes the importance of avoiding capital gains taxes and offers insight into retirement scenarios and asset allocation. They also explain the benefits of a reduced net income and offer assistance for any questions or concerns. The agent provides information on the process and offers assistance for any questions or concerns."},"intents":{"segments":[{"text":"I had you booked in to go over the recommendations on your super investment. So is now still Yes.","start_word":26,"end_word":44,"intents":[{"intent":"Discuss recommendations","confidence_score":0.263284}]},{"text":"a good time for you? Yes. It is.","start_word":45,"end_word":52,"intents":[{"intent":"Confirm time","confidence_score":0.08095321}]},{"text":"And just for security, if I could just get you to confirm your full name, date of birth, and address, please. Yep.","start_word":91,"end_word":112,"intents":[{"intent":"Confirm identity","confidence_score":0.24058536}]},{"text":"Do you have access to your emails? Yes. I do.","start_word":261,"end_word":270,"intents":[{"intent":"Confirm access to emails","confidence_score":0.0018610713}]},{"text":"So do I just hit on the sign document to view? Can you you should just be able to scroll through on this Oh, okay. document.","start_word":508,"end_word":533,"intents":[{"intent":"Explore document options","confidence_score":0.0053768638}]},{"text":"now after you then scroll through to page six, you should say limited advice. Yep.","start_word":1024,"end_word":1038,"intents":[{"intent":"Provide advice","confidence_score":0.06953004}]},{"text":"would have to refer you on to someone if you do need assistance with that, but we Yep. can obviously make suggestions and recommendation on how to structure your super and your insurances. I just can't give you any legal advice. Yeah.","start_word":1061,"end_word":1102,"intents":[{"intent":"Refer to someone","confidence_score":0.17965823}]},{"text":"can obviously make suggestions and recommendation on how to structure your super and your insurances. I just can't give you any legal advice. Yeah.","start_word":1079,"end_word":1102,"intents":[{"intent":"Make recommendations","confidence_score":0.3808704}]},{"text":"you on medication for it? No. No.","start_word":1215,"end_word":1221,"intents":[{"intent":"Change medication","confidence_score":0.00009221233}]},{"text":"the next page after that just talks talks a little bit about your risk profile. So we kind of touched on this quite a bit during Mhmm. the annual review.","start_word":1351,"end_word":1380,"intents":[{"intent":"Discuss risk profile","confidence_score":0.06841158}]},{"text":"And right now, we kind of decided that staying in a growth portfolio, which is what you are currently invested in, is kind of the best option for you given, you know, time horizon Yep. till I retirement.","start_word":1382,"end_word":1419,"intents":[{"intent":"Recommend staying in growth portfolio","confidence_score":0.088608466}]},{"text":"And right now, we kind of decided that staying in a growth portfolio, which is what you are currently invested in, is kind of the best option for you given, you know, time horizon Yep. till I retirement. yes.","start_word":1382,"end_word":1420,"intents":[{"intent":"Discuss investment options","confidence_score":0.19425818}]},{"text":"Kind of talks about the asset allocation again, aiming for Yep. around that 8020 split like we mentioned during the annual review. Yep.","start_word":1452,"end_word":1474,"intents":[{"intent":"Discuss asset allocation","confidence_score":0.7628249}]},{"text":"Now the next page then Yep. talks about the actual super recommendation. So can you see that on page 12? Like, The the lowest heading says gross. And then page 13 says strategy recommendation. Yes.","start_word":1475,"end_word":1509,"intents":[{"intent":"Discuss recommendation","confidence_score":0.09651912},{"intent":"Explain recommendation","confidence_score":0.0023882953}]},{"text":"So can you see that on page 12? Like, The the lowest heading says gross. And then page 13 says strategy recommendation. Yes.","start_word":1487,"end_word":1509,"intents":[{"intent":"Mention strategy recommendation","confidence_score":0.002948595}]},{"text":"So this one here outlines what the actual recommendation is that I have made. Now it also Mhmm. outlines the best interest you did and showing how the recommendation act in your best interest. Mhmm.","start_word":1515,"end_word":1549,"intents":[{"intent":"Explain recommendations","confidence_score":0.00525143}]},{"text":"So I did consider a lot of other options as an alternative to see.","start_word":1581,"end_word":1594,"intents":[{"intent":"Discuss alternative alternative","confidence_score":0.00000385184},{"intent":"Evaluate options","confidence_score":0.000051854822}]},{"text":"Now as you scroll through, you will see some advantages, some disadvantages, and some risks associated with the recommendation Mhmm. along with alternatives.","start_word":1668,"end_word":1690,"intents":[{"intent":"Explain advantages and disadvantages","confidence_score":0.011721563}]},{"text":"Now the reason we use a five year rolling average is to give us a little bit more certainty on how the portfolio has performed as well as the market.","start_word":1802,"end_word":1831,"intents":[{"intent":"Calculate portfolio performance","confidence_score":0.0012938188}]},{"text":"what this is is that every time we do sell investments, if they have gone up, There will be capital gains tax associated with making the change. Mhmm.","start_word":2105,"end_word":2132,"intents":[{"intent":"Describe tax benefits","confidence_score":0.000022956263}]},{"text":"So this is another one of those core investments. Again, very diversified because it invests in the 200 companies largest, but in Australia. So it gives you that kind of the difference. So you'll Mhmm. have all Yep. the big banks and BHP and Woolworths. Again, very diversified for you. Yep.","start_word":3233,"end_word":3283,"intents":[{"intent":"Evaluate investments","confidence_score":0.006113614}]},{"text":"So you have gold still in your portfolio. You had it before at seven point nine up just changing it to about 7%, but still maintaining that in your portfolio. You also had a fixed interest that I share is core composite bond. You already had that in your portfolio, but it was at around 8.54, just reducing that down to about 5%. Yep.","start_word":3559,"end_word":3622,"intents":[{"intent":"Analyze portfolio balance","confidence_score":0.0015110886}]},{"text":"obviously, depending on situation at the time, but it will also show that you can get a little bit from about 69, and then that Mhmm. kind of takes you through as well. Yep.","start_word":4252,"end_word":4285,"intents":[{"intent":"Show","confidence_score":0.00069220434}]},{"text":"least it shows you that things are kind of tracking nicely. And especially if Yep.","start_word":4291,"end_word":4305,"intents":[{"intent":"Track","confidence_score":0.682869}]},{"text":"something you can change. Yep. Okay.","start_word":4334,"end_word":4339,"intents":[{"intent":"Update","confidence_score":0.07505393}]},{"text":"But aside from, obviously, that it does boost your superannuation. It means you have more money being invested for a longer period of time as Yep. well.","start_word":4442,"end_word":4468,"intents":[{"intent":"Maximize","confidence_score":0.026664048}]},{"text":"Obviously, the thing to be mindful of is that contributions that you put into superannuation, it will reduce your cash flow a little bit, and it will also be locked in until you meet a condition of release.","start_word":4469,"end_word":4506,"intents":[{"intent":"Lock","confidence_score":0.10649683}]},{"text":"Obviously, the thing to be mindful of is that contributions that you put into superannuation, it will reduce your cash flow a little bit, and it will also be locked in until you meet a condition of release. So for example, if you turn 60 and stop working. So, obviously, make sure it's not kind of money that you do need Oh, so once you on do a salary sacrifice, you have to keep doing it? no.","start_word":4469,"end_word":4545,"intents":[{"intent":"Limit","confidence_score":0.0047679623}]},{"text":"you can't No. take the money out.","start_word":4550,"end_word":4556,"intents":[{"intent":"Take out money","confidence_score":0.0017641205}]},{"text":"So kind of like I mentioned in the annual review, no changes whatsoever in regards to the fee structure. And, again, obviously, because we have both of you as clients, you are on that reduced 1.1% from Yep. Super. And so that's not changing. So if you are happy and you wanted to go ahead with the recommendation, there is no additional fees or charges at all to implement that. That is all part of the service.","start_word":5390,"end_word":5466,"intents":[{"intent":"Discuss fees","confidence_score":0.00088539906}]},{"text":"So if you are happy and you wanted to go ahead with the recommendation, there is no additional fees or charges at all to implement that. That is all part of the service.","start_word":5434,"end_word":5466,"intents":[{"intent":"Confirm agreement","confidence_score":0.0073666894}]},{"text":"And I have also just included just the insurances for your awareness. So when it comes to the insurance, I'm not sure if you remember when we set them up for you, but we do get 22% commissions on the premium. Okay. Yep.","start_word":5469,"end_word":5511,"intents":[{"intent":"Include commissions","confidence_score":0.005679274}]},{"text":"Now the next page, it shows how to implement our advice. You don't really have to worry about it because if it was Yep. something that you wanted to do, we would do it all in the back end. The only Yep.","start_word":5620,"end_word":5661,"intents":[{"intent":"Implement advice","confidence_score":0.8607604}]},{"text":"thing would be that you would just contact your employer and say that Yep. you would like to start salary sacrificing. Yep. Okay.","start_word":5661,"end_word":5683,"intents":[{"intent":"Contact employer","confidence_score":0.25831828}]},{"text":"obviously, from here, if you wanted to take some time to read over these documents, you are more than welcome to do so. Yep.","start_word":5701,"end_word":5724,"intents":[{"intent":"Read documents","confidence_score":0.696609}]},{"text":"It's the same as the annual review. Where you are or where it said start now to sign documents, Yep. it will just ask you to add a little signature at the end of the statement of advice, and Yep. it will then automatically send it back to me. And that tells me that you are happy with the recommendation, and I will let the team know to go ahead and make those changes for you. Cool.","start_word":5750,"end_word":5826,"intents":[{"intent":"Review recommendation","confidence_score":0.0010365178}]},{"text":"it will just ask you to add a little signature at the end of the statement of advice, and Yep. it will then automatically send it back to me. And that tells me that you are happy with the recommendation, and I will let the team know to go ahead and make those changes for you. Cool.","start_word":5770,"end_word":5826,"intents":[{"intent":"Add signature","confidence_score":0.6713304}]},{"text":"That's good. And if you do let's say you you run through it and you go, no. I don't wanna start salary sacrificing yet, but I'm happy to make the investment change.","start_word":5928,"end_word":5959,"intents":[{"intent":"Make investments","confidence_score":0.050956767}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. Is this Sarah Jane? Yes. It is. This is Veronica from Financial. How are you?","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.12454741448163986},{"text":"Good.","start_word":18,"end_word":18,"sentiment":"positive","sentiment_score":0.3717600107192993},{"text":"How are you?","start_word":19,"end_word":21,"sentiment":"neutral","sentiment_score":0.26791638135910034},{"text":"I'm good. Thank you.","start_word":22,"end_word":25,"sentiment":"positive","sentiment_score":0.6332873106002808},{"text":"I had you booked in to go over the recommendations on your super investment. So is now still Yes. a good time for you? Yes. It is. Yeah. Alright.","start_word":26,"end_word":54,"sentiment":"neutral","sentiment_score":0.24004393815994263},{"text":"Perfect.","start_word":55,"end_word":55,"sentiment":"positive","sentiment_score":0.4338707327842712},{"text":"Now just before I do go any further, just as per usual, Yep. just letting you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep.","start_word":56,"end_word":87,"sentiment":"neutral","sentiment_score":0.08533576875925064},{"text":"That's Perfect.","start_word":88,"end_word":89,"sentiment":"positive","sentiment_score":0.35621342062950134},{"text":"fine. And just for security, if I could just get you to confirm your full name, date of birth, and address, please. Yep. Sarah Jane Schembri, seventeenth of the eleventh seventy two. 17 Gairdner Lane, Moreton Lake, South Australia 5095. Yep. Perfect. And how's your day been? Been busy? Okay. Can I see? Yeah. Somewhat. I've just got home, like, probably half hour ago, catching Oh, my yeah. breath. Work went chaotic in the last portion of the day. Yeah. Well, sometimes it's As like that. yeah. It is started well, and then when I was like, what? Especially at the Yeah. end of the week too. Oh, no. This is the beginning of my week. So I went back yesterday, but I'm in the I've just started seven days straight. So it's like yesterday was Monday for me. I don't finish till Yes. next Tuesday. She's not saying anything. Oh, so good. So Well, I will try good. not to keep you for too No. long It's today. alright. Yep. Do you have access to your emails? Yes. I do. Yes. Okay. Sorry. Let me grab it. I'm gonna grab it on my iPad, actually. It's probably gonna be easier to look Yeah. at while Whatever I talk works on for phone. you. Yeah. Yep. Okay. Okay. I can see a signature request there. Yeah. So Yep. kind of same thing. If you click on it, it will still just allow you to open up any like, everything, and you can always go back and have a look at it before having to decide what you want Yep. to do. So Yep. you don't have to decide, by the way. Yep. So if you can click on it, then you should Yep. see a cover page. Does it say OQ Financial statement of advice? Yes. It does. Yes.","start_word":90,"end_word":398,"sentiment":"neutral","sentiment_score":0.011563704334030644},{"text":"Yeah. Perfect. Now every time we do make a recommendation and do personalized tailored advice, we have to put everything in a statement of advice for you just to make sure you are fully aware and across everything that is happening.","start_word":399,"end_word":439,"sentiment":"positive","sentiment_score":0.3944770097732544},{"text":"Yep. Now a lot of it is just compliances. So you will see it's about 36 pages. A lot of it, it is pretty straightforward and things you kind of already know. So I'll Yep. just kind of go through the most important aspects Yep. of the recommendation, and then you can always have a bit of a read over it Yep. in your own time as well. So do I just hit on the sign document to view? Can you you should just be able to scroll through on this Oh, okay. document. Let me just open it up, my email, up fully. Yeah. Because if you press start, then usually it takes you straight to signature, which is what we don't really want I just right got away. signed document, but there's no start. And if you press sign, what does it do? It takes me to a web page, And now it says yeah. Now it's got yeah. Now I've got the full lot, but I'm Okay. not finding Perfect. anything. Yeah. Yeah. Okay.","start_word":440,"end_word":616,"sentiment":"neutral","sentiment_score":0.06181670352816582},{"text":"Great. Perfect. That's good.","start_word":617,"end_word":620,"sentiment":"positive","sentiment_score":0.4839081168174744},{"text":"So you can see that there is, like, a document, and there's, like, 36 pages in Yeah. this document. Yep. Yep. Yeah. Yep. Okay.","start_word":621,"end_word":644,"sentiment":"neutral","sentiment_score":0.08133959770202637},{"text":"Beautiful.","start_word":645,"end_word":645,"sentiment":"positive","sentiment_score":0.5481045842170715},{"text":"Now on the cover page as well, you can also see my details listed. So you can see Yep. my authorized representative number, which is basically just my license number, and I am, obviously, licensed under OQ Financial, and you can see a lot of contact details and everything there on the cover page for you. Yep. Now if you wanna scroll to the second page, Yep. it Yep. talks a little bit about that best interest you did. Do you remember ever hearing about that before? Maybe. Maybe not. Yeah. No. That's okay. Maybe. I'm not sure. Basically, what it means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a Yep. result of the advice. Okay. Otherwise, Yep. we can't actually make the recommendation. Okay. Yep. Yeah. So, basically, there's a lot of compliance and a lot of legislation in place to protect you and making sure that we always do what's best for you at the end of the day. Yep. Okay.","start_word":646,"end_word":827,"sentiment":"neutral","sentiment_score":0.03314021280915527},{"text":"Yep. Perfect.","start_word":828,"end_word":829,"sentiment":"positive","sentiment_score":0.4177118241786957},{"text":"Now as you scroll through, you'll see table of content, pretty Yep. self explanatory. You can also see on the next page, it says scope of advice. So that Yep. kind of spills over three different pages. Basically, what it talks about is just the areas we are looking at today. So, basically, Yep. today, what we are focusing on is your superannuation, making sure everything is set up correctly, focus on growing that as much as possible before retirement. Mhmm. If we Yep. needed to make any changes to your investments, and then also looking at that salary sacrificing, increase your as well. Now I have also included just some information in regards to a will and power of attorney Just so you have a little Yep. bit of information, it's always something I recommend everyone to consider. So Yep. I have just included that for you. Not making any changes to insurances, and we have this kind Yep. of scoped out personal investments for now for that to Yep. be reassessed next year with school fees and everything being in a little bit better Yeah. position. Yep.","start_word":830,"end_word":1018,"sentiment":"neutral","sentiment_score":0.10896310210227966},{"text":"Now That's good.","start_word":1019,"end_word":1021,"sentiment":"positive","sentiment_score":0.4254193902015686},{"text":"Yeah. now after you then scroll through to page six, you should say limited advice. Yep. Yep. So, basically, this talks about that I'm not a legal practitioner, so I can't give you any legal advice. So we Yep. would have to refer you on to someone if you do need assistance with that, but we Yep. can obviously make suggestions and recommendation on how to structure your super and your insurances. I just can't give you any legal advice. Yeah. No problem. Yes.","start_word":1022,"end_word":1105,"sentiment":"neutral","sentiment_score":-0.04642856231934968},{"text":"Perfect.","start_word":1106,"end_word":1106,"sentiment":"positive","sentiment_score":0.3607589602470398},{"text":"Now on the next two pages, as you scroll through, you will just see some some information in regards to yourself. If you could just Mhmm. have a quick read over that for me just to see if that all looks good or if I need to make any changes in the back end for you. Oh, health issues. It says yes, but I'm not sure. I do have here Did we have that I think my cholesterol was up, but that's back into normal ranges now. Okay. Perfect. That's good. It doesn't really change anything, but I will just change in the back Yeah. end. Are Yeah. you on medication for it? No. No. No. Okay. Perfect.","start_word":1107,"end_word":1224,"sentiment":"neutral","sentiment_score":0.03338993713259697},{"text":"Everything is great there.","start_word":1225,"end_word":1228,"sentiment":"positive","sentiment_score":0.39181527495384216},{"text":"Yeah. So everything's Yep. good. Yeah. Okay. Perfect. No. That is good.","start_word":1229,"end_word":1240,"sentiment":"neutral","sentiment_score":0.2032930999994278},{"text":"Nice and healthy, which is good.","start_word":1241,"end_word":1246,"sentiment":"positive","sentiment_score":0.542326807975769},{"text":"Yep. I'll just make a little note in the back end. Yep. No. It fixed it without medication, which is what I wanted to do. Yeah. Beautiful. Which often is not always the case. Yeah. The Yeah. assets look good otherwise as well and the liabilities on the next page. Oh, okay. Yep. Yep. That looks Yep. good. Perfect. Now the next page then takes us just to show you kind of the similar situation to we went through doing the annual review, list Mhmm. your insurances with MetLife, and then that you do have your super with Hub twenty four. Yep. Now Yep. the next page after that just talks talks a little bit about your risk profile. So we kind of touched on this quite a bit during Mhmm. the annual review.","start_word":1247,"end_word":1380,"sentiment":"neutral","sentiment_score":0.054565899074077606},{"text":"And right now, we kind of decided that staying in a growth portfolio, which is what you are currently invested in, is kind of the best option for you given, you know, time horizon Yep.","start_word":1381,"end_word":1415,"sentiment":"positive","sentiment_score":0.33454808592796326},{"text":"till I retirement. yes. Yeah. Yes. Any questions so far?","start_word":1416,"end_word":1425,"sentiment":"neutral","sentiment_score":0.17304036021232605},{"text":"That's pretty straightforward.","start_word":1426,"end_word":1428,"sentiment":"positive","sentiment_score":0.43507120013237},{"text":"Nah. That's pretty straightforward. No.","start_word":1429,"end_word":1433,"sentiment":"neutral","sentiment_score":0.26807528734207153},{"text":"Perfect.","start_word":1434,"end_word":1434,"sentiment":"positive","sentiment_score":0.4207504987716675},{"text":"Now a little bit about that risk profile just spills over to the next page as well. Kind of talks about the asset allocation again, aiming for Yep. around that 8020 split like we mentioned during the annual review. Yep. Now the next page then Yep. talks about the actual super recommendation. So can you see that on page 12? Like, The the lowest heading says gross. And then page 13 says strategy recommendation. Yes. That's the one. Yep. Yep.","start_word":1435,"end_word":1514,"sentiment":"neutral","sentiment_score":0.08719851076602936},{"text":"So this one here outlines what the actual recommendation is that I have made.","start_word":1515,"end_word":1528,"sentiment":"positive","sentiment_score":0.335767924785614},{"text":"Now it also Mhmm.","start_word":1529,"end_word":1532,"sentiment":"neutral","sentiment_score":0.2817206382751465},{"text":"outlines the best interest you did and showing how the recommendation act in your best interest.","start_word":1533,"end_word":1548,"sentiment":"positive","sentiment_score":0.3823898732662201},{"text":"Mhmm. So when we do, obviously, make we make research all the time on different superannuation platforms and different superannuation funds just to make sure it's still the best option for you. So I did consider a lot of other options as an alternative to see. But for the time being, Hub twenty four is still very competitive.","start_word":1549,"end_word":1606,"sentiment":"neutral","sentiment_score":0.23123648762702945},{"text":"Yep. It's very competitive when it comes to their fees in investment choices and flexibility. And I do use Hub twenty four for my personal super as well.","start_word":1607,"end_word":1634,"sentiment":"positive","sentiment_score":0.469077467918396},{"text":"So I have not made a recommendation to change it. It's staying in Hub twenty four. I'm literally Yep. just changing a couple of your investments for you. Yes. No worries. Yep.","start_word":1635,"end_word":1666,"sentiment":"neutral","sentiment_score":0.20277968049049375},{"text":"Perfect.","start_word":1667,"end_word":1667,"sentiment":"positive","sentiment_score":0.4719001352787018},{"text":"Now as you scroll through, you will see some advantages, some disadvantages, and some risks associated with the recommendation Mhmm. along with alternatives. But I usually find the best way that people kind of is easiest way to look at it is if you wanna scroll down to page 16 for me first, it kind of summarizes everything in a table. Mhmm. Oh, yep. Yep. Yep.","start_word":1668,"end_word":1733,"sentiment":"neutral","sentiment_score":0.12540370225906372},{"text":"So I often find this is a bit easier to look at because it kind of shows you kind of the impact and what is actually happening.","start_word":1734,"end_word":1760,"sentiment":"positive","sentiment_score":0.4539271891117096},{"text":"Yep. So you can see here your current situation. You can see Yep.","start_word":1761,"end_word":1773,"sentiment":"neutral","sentiment_score":0.26586365699768066},{"text":"your your super balance. You can see the total cost for everything as well as well as the five year rolling average on your current growth portfolio.","start_word":1774,"end_word":1800,"sentiment":"positive","sentiment_score":0.3514651656150818},{"text":"Mhmm. Now the reason we use a five year rolling average is to give us a little bit more certainty on how the portfolio has performed as well as the market. So one of the risk is that there's always a level of risk associated with any investment option. We obviously can't guarantee anything, but that is why we're using a five year rolling average. We're using the return over five year period and averaging that out to give us a little bit more certainty. Mhmm. Does that make Mhmm. sense? Yep. Yep. Yeah. Is Perfect. this on page 17? Page 16. 16. Yes. Oh, 16. 16. Yeah. Hang on. 16. 16. Yeah. 16. Yep. That's the one I'm looking at. Yes. Okay. So you can see that kind of growth at the bottom. It's kind of like the last row in that table where it says Yes. five year rolling average. Yes.","start_word":1801,"end_word":1953,"sentiment":"neutral","sentiment_score":0.08296389877796173},{"text":"Perfect.","start_word":1954,"end_word":1954,"sentiment":"positive","sentiment_score":0.4931207299232483},{"text":"So what you can then see on the next column for the the next column to the right, you can then see the recommended. So like I said, staying in Hub twenty four and changing some of your investments.","start_word":1955,"end_word":1993,"sentiment":"neutral","sentiment_score":0.26015180349349976},{"text":"Now Yep. you can actually see here when you look at the investment fee table that the recommended portfolio is quite a bit cheaper than your current portfolio. So it is saving you a little bit in fees each year, which is nice.","start_word":1994,"end_word":2036,"sentiment":"positive","sentiment_score":0.474252849817276},{"text":"Yep. Yep. Yeah. Yep. Now I do wanna let you know if you look on the first row where it says a balance, and you can see that there's a difference of $922. Can you see that? Still on page Yep. So still on the same page, the fee comparison. Alright. Just let me yes. Yep. Yeah. Okay. So all the way at the top. Now Yep. what this is is that every time we do sell investments, if they have gone up, There will be capital gains tax associated with making the change. Mhmm. Mhmm. So we're obviously trying to minimize that as much as possible for you. It is all taken care of within the super environment when you execute the trade. So it's not something that you would have to pay for yourself or you have to worry about for tax return Okay. or anything Yep. like that. Okay. It is Yep. all just within the super environment. Yep. Okay. Now Yep. just for your reference, if we were looking at making a full sell down to change everything for you, the capital gains tax would have been about, excuse me, $5,105. Oh, So, wow. obviously, trying to Yeah. reduce that down Yep. for you while still making sure that we wanted to change out any investment that we felt was necessary to achieve your goals, but Yep. didn't want you paying that much in impact just for it. Yep. So Yep. try to minimize that as much as possible, but it is something I do wanna let you know that Yep. there will be around that 922. Now it does change on a daily as well, obviously, with market fluctuations, but it will be around that 922. Yep. But Okay. you can see Yep. that the investment fee is so it's saving you about $683 a year in, like, fees alone. So Mhmm. very quickly, you will then kind of recoup the capital gains tax, if that Yeah. makes sense. Yeah. Yep. Yep. Yep. Yep. No. That's good. Yep. Yep.","start_word":2037,"end_word":2380,"sentiment":"neutral","sentiment_score":0.06255129882849234},{"text":"Perfect.","start_word":2381,"end_word":2381,"sentiment":"positive","sentiment_score":0.3969020247459411},{"text":"Now what I have also then compared is the per performance between the two portfolio. So you Mhmm. can see here that even though they're both growth, so we're not, like, increasing risk or anything like that, the Mhmm. recommended portfolio has performed a little bit better than your current portfolio, and it's a difference of about 2.45%, which is, Yep. again, makes a pretty big difference when you're compounding everything Yep. along with the saving in fees. Yep. Yep. No.","start_word":2382,"end_word":2462,"sentiment":"neutral","sentiment_score":0.10248256391949125},{"text":"Now That looks this good.","start_word":2463,"end_word":2467,"sentiment":"positive","sentiment_score":0.4338484704494476},{"text":"Yep. yeah. Now this table here also shows you, Let's see here. Yep.","start_word":2468,"end_word":2480,"sentiment":"neutral","sentiment_score":0.15586769580841064},{"text":"Perfect. So that is all good.","start_word":2481,"end_word":2486,"sentiment":"positive","sentiment_score":0.6020954847335815},{"text":"Any questions so far? No. That's fine. No. That all makes sense. Okay.","start_word":2487,"end_word":2499,"sentiment":"neutral","sentiment_score":0.1179935187101364},{"text":"Perfect.","start_word":2500,"end_word":2500,"sentiment":"positive","sentiment_score":0.42852944135665894},{"text":"So the next page shows you then a a five year projection forward and then also to age 65 so that you can Yep. kind of see the the compounding differences. Okay. Yep. So it does make a pretty big difference. Pretty yeah. It does. Wow. It does even small little tweaks because, obviously, Yeah. with time, it does make a big difference. Yep. Yep.","start_word":2501,"end_word":2565,"sentiment":"neutral","sentiment_score":0.12512676417827606},{"text":"Perfect.","start_word":2566,"end_word":2566,"sentiment":"positive","sentiment_score":0.3741477131843567},{"text":"Now underneath it, you can then also see that I've included a little Yep. bit more information in regards to the performance over a different period of time so that you can see it. So I Yep. have included twelve months, three years, five years, and ten years. And Yep. you can see that if even though your current one hasn't done too bad, the recommended has done a little bit better Yep. across all time frames. Yep. No. That's Yep.","start_word":2567,"end_word":2647,"sentiment":"neutral","sentiment_score":0.0815800204873085},{"text":"good. Perfect.","start_word":2648,"end_word":2649,"sentiment":"positive","sentiment_score":0.3762951791286469},{"text":"Now on the next page, it then shows you your investment, so what I have recommended in regards to your investment. Can you Mhmm. see that table okay? Yep. Yep. Now this one here usually looks a little bit messy, but, basically, what it is, it shows you the investment name, so what you are currently invested in and what I have recommended. Mhmm. Next to it, you will have the special little kind of code. Next to that, you will have the percentage of what you are currently invested in, so how much you currently Mhmm. have in the investment. And then you will have what that looks like from a dollar value point of view, and then you have the Yep. buy and sell column. So everything that's in red is either what we are selling or just reducing how much you have exposure to Yep. that investment. Okay. Yep. Black is then what we are buying. So new investment or increasing allocation to a current investment. Okay. Does that make Yep. sense? That makes sense. Yep. Yep. Yep. And then next to that, you have the target weight, so how much we are wanting in that investment Yep. and then kind of the corresponding balance. Yep. Now when we put together the investment portfolio, we are still using, like, the same concept. So still very much following that core and satellite approach to investment. Mhmm. Have you ever heard of that before? No. No. Basically, what it means is that we invest majority of the funds in what we call your core investment, which Mhmm. basically kind of represents the backbone of the portfolio. And these are kind of your very, well diversified Mhmm.","start_word":2650,"end_word":2936,"sentiment":"neutral","sentiment_score":0.08391987446708546},{"text":"investments, that have done really well in the past and that we believe will continue to do so in the future.","start_word":2937,"end_word":2957,"sentiment":"positive","sentiment_score":0.3921608030796051},{"text":"Yep. So these will be, like, the biggest holdings. So for example, you can see iShares S and P five hundred. So the one that says IVV, can you see Yep. that kind of mid mid down? You Yeah. already have this in your portfolio at about 27.71%. We are just increasing Yep. it a little bit to 35. So this is one of those core investments. Now this one here, it is very diversified because it invests in the 500 largest companies listed in The US. So you have five Yep. 100 different companies. You will have all the big companies like Microsoft, Amazon, Apple, all the big companies. So very diversified for you. Yep. Yep. Now at the same time, though, we don't wanna make we don't wanna have just just investments in The US. We wanna make sure we diversify things for you. Yep. So what we have swapped out, currently, your Australian investment is not Ben along Australian equity, which is the one I mentioned during the annual review that I really wanted to look at revisiting Yep. because it was underperforming. Yep. What I have then sub substituted for is it kind of spills over the next page, but it's Yep. the one that's called beta shares Australia two hundred. Can you see that? And this what page is that one on? So just the next page following that The table next because page. the the big table kind of Oh, yeah. I see it. flows Yeah. on. I was Yeah. still the cash account, but missed the the table above it. Yeah. Yep. Yeah.","start_word":2958,"end_word":3227,"sentiment":"neutral","sentiment_score":0.07446240199108918},{"text":"Perfect.","start_word":3228,"end_word":3228,"sentiment":"positive","sentiment_score":0.4842497706413269},{"text":"No. Got that. Yep. So this is another one of those core investments. Again, very diversified because it invests in the 200 companies largest, but in Australia. So it gives you that kind of the difference. So you'll Mhmm. have all Yep. the big banks and BHP and Woolworths.","start_word":3229,"end_word":3277,"sentiment":"neutral","sentiment_score":0.2201976180076599},{"text":"Again, very diversified for you.","start_word":3278,"end_word":3282,"sentiment":"positive","sentiment_score":0.3477551341056824},{"text":"Yep. Now if you scroll up through that first page, so the one Yep. that had the more of them, Yep. you then have your satellite investments. Now these are the ones that will give you the most amount of growth, but they Yep. can also fluctuate. So they are Yep. a little bit more kind of dynamic, a little bit more specialized, and they kind of target different sectors, regions, or assets. Yep. So that's why we only have a smaller portion allocated through them. So not as high Right. as what we had in the iShares S and P 500 or the beta shares a two a 200. So, for example, you have, like, the bottom three in this table. So Yep. you have 9% in Europe. Again, very diversified investment because we wanna diversify you globally as well. Yep. So Yep. that invests in Europe for you. You'd have 5% in Japan. Again, the big companies listed in Japan for you to give you that diversification and exposure. And then you do have 8% in an investment that's called Vanguard All World. You may have Yep. heard of Vanguard before. They're quite big. Yeah. I have, actually. Yeah. Yeah. Yeah. So this one here does invest in companies all around the world, but it excludes The US. Because you already have exposure to The US market in that iShares S and P 500, and we don't want too much allocation Yep. to one area either. Does Yep. that make sense? Yeah. Yep. It does. Yep.","start_word":3283,"end_word":3540,"sentiment":"neutral","sentiment_score":0.04370224083116813},{"text":"Yep. Perfect.","start_word":3541,"end_word":3542,"sentiment":"positive","sentiment_score":0.500115692615509},{"text":"Now you also obviously have some of that defensive to your investments to limit those fluctuations. So you have gold still in your portfolio. You had it before at seven point nine up just changing it to about 7%, but still maintaining that in your portfolio. You also had a fixed interest that I share is core composite bond. You already had that in your portfolio, but it was at around 8.54, just reducing that down to about 5%. Yep. You also had another satellite, the cybersecurity. Again, you already had it in your portfolio, but Yep. you had it at about 8.34. Just realigning it back through to 6% for Yeah. you. Yep. Do you have any questions in regards to any of the investments? No. No. That No. all Perfect.","start_word":3543,"end_word":3674,"sentiment":"neutral","sentiment_score":0.12506836652755737},{"text":"looks pretty straightforward to me.","start_word":3675,"end_word":3679,"sentiment":"positive","sentiment_score":0.40960848331451416},{"text":"Yeah. Yep. Now in the appendix, which is the second attachment, if you ever wanted to just do some light reading and have a bit of a And research here. on it, I have included all the investment links for each and every one of these investments. Okay. So Yep. if you do ever wanna go and have a look at them, it's all all the research and everything is there for you. Yep.","start_word":3680,"end_word":3753,"sentiment":"neutral","sentiment_score":0.1264590620994568},{"text":"Lovely.","start_word":3754,"end_word":3754,"sentiment":"positive","sentiment_score":0.373174250125885},{"text":"Yep. Now you can also see the cash account you mentioned. So Yep. with HUB24, they do have a minimum cash account that you need to have in your account of 1.25%. Yep. Now when, obviously, contributions and stuff go in through superannuation, it can fluctuate a little bit, but it does even out when we do place trades. But we Yep. do wanna keep it as close to that 1.25 as possible because your cash isn't gonna grow Yeah. same as your other investments. So we do Yep. wanna kind of state that minimum amount, if Yep. that makes sense. Yep. No Yep. worries.","start_word":3755,"end_word":3859,"sentiment":"neutral","sentiment_score":0.08934332430362701},{"text":"Perfect.","start_word":3860,"end_word":3860,"sentiment":"positive","sentiment_score":0.33382463455200195},{"text":"Now the next page then shows you the proposed asset allocation. It's like a Mhmm. pie chart and another table. Can you see that? Yep. Yep.","start_word":3861,"end_word":3886,"sentiment":"neutral","sentiment_score":0.11345379054546356},{"text":"Perfect.","start_word":3887,"end_word":3887,"sentiment":"positive","sentiment_score":0.4072287976741791},{"text":"Now this one here shows you the the difference between the two the two portfolios. So you can see your risk profile aiming for around that $80.20 mark, but it Mhmm. does can change or fluctuate a little bit up to about $85.15 depending on, again, kind of prices and everything like that. Yep. Yep. You then have your existing, so what you are currently invested in, and then you have the proposed. Mhmm. So both portfolios are quite fairly similar and both aligning within that growth profile, if that makes sense. Yep. No. That's Yep.","start_word":3888,"end_word":3983,"sentiment":"neutral","sentiment_score":0.08311429619789124},{"text":"good. Perfect.","start_word":3984,"end_word":3985,"sentiment":"positive","sentiment_score":0.5865708589553833},{"text":"Now the next table or next page shows you Yep. a retirement income calculator. Have you ever seen something like this before? No. No. So, basically, this one here, it is to kind of just show you how things are tracking at the moment and, obviously, including that salary sacrifice for you. So Mhmm. it shows you that if you wanted to retire at 65, what you have then your your kind of dark green is the income drawn from your superannuation. So Yep. if we targeted about a thousand dollars per week as Yep. an income just to support yourself, it shows you that your superannuation will last, if things obviously are tracking, until about 91. Okay. Now what this also shows is that what we have done, and it obviously depends on how long you are working for and your risk tolerance. But to be more conservative, what I'd like to do is assuming that when you retire, to after 65, you will be in a defensive investment. So then we are assuming the growth on your investments will be down to 5% instead of Mhmm. that 11.57. So, obviously, Mhmm. if you do wanna be invested in a little bit more or have more time frame, you'll obviously have more, but I prefer to show a little bit more of that conservative Yep. approach, especially when Yep. you do decide to retire, if that makes sense. Yep. Yep. That Yep. makes sense. Yeah. And then you have the light blue kind of under it. That would then be age pension. So, Yep. obviously, depending on situation at the time, but it will also show that you can get a little bit from about 69, and then that Mhmm. kind of takes you through as well. Yep. No worries. Yeah.","start_word":3986,"end_word":4287,"sentiment":"neutral","sentiment_score":0.0631577011493855},{"text":"So at Okay. least it shows you that things are kind of tracking nicely.","start_word":4288,"end_word":4301,"sentiment":"positive","sentiment_score":0.4690282940864563},{"text":"And especially if Yep. we're doing that salary sacrifice, which is actually the the next couple of pages, Yep.","start_word":4302,"end_word":4320,"sentiment":"neutral","sentiment_score":0.20793095231056213},{"text":"it does make make a bit of a difference, and it's always Okay.","start_word":4321,"end_word":4333,"sentiment":"positive","sentiment_score":0.3732938468456268},{"text":"something you can change. Yep. Okay. Yep. So next page shows Yeah. you it should have a heading where it says, make salary sacrifice contributions into hub twenty four up a $100 per fortnight. Can you see that? Yep. Because it got Yes. the taylor on it. Yes. So, basically, Yep. again, table, I usually find easiest to look at. So the the good thing with seller sacrifice lines is that contributions going into super east tax at 15%, which is obviously a lot less than your 302% medical levy that you pay for on your income. So that's what Mhmm. makes Yep. it kind of tax effective.","start_word":4334,"end_word":4441,"sentiment":"neutral","sentiment_score":0.17415814101696014},{"text":"But aside from, obviously, that it does boost your superannuation.","start_word":4442,"end_word":4451,"sentiment":"positive","sentiment_score":0.34462934732437134},{"text":"It means you have more money being invested for a longer period of time as Yep. well. Obviously, the thing to be mindful of is that contributions that you put into superannuation, it will reduce your cash flow a little bit, and it will also be locked in until you meet a condition of release. So for example, if you turn 60 and stop working. So, obviously, make sure it's not kind of money that you do need Oh, so once you on do a salary sacrifice, you have to keep doing it? no. Is that But no. you can't No. take the money out. So let's say you Oh, yeah. Yeah. Yeah. Yeah. No. That's fine. yeah. I wouldn't yeah. Yeah. Gotcha. Yes. Yep. Perfect. That makes sense. But no. Yep. If you go to No. your employer tomorrow Yes. and say, yeah, a $100 a fortnight, And then in two weeks, you go, no. I don't want it. Just tell your employer and they stop it. Yeah. You Yeah. can Yeah. start But and stop what whenever you've yep. gone through. Yeah. But what I've put in there stays in there. Correct. Yes. Yep. So, obviously, something to be mindful of. Yep. Now No worries. this table here shows you kind of the money side, how it changes. So Mhmm. on the top section, it shows you your income tax and how it Mhmm. changes. Yep. So you can see your current position, the salary sacrifice, taxable income, tax on Mhmm. the taxable income, and then your net income. So Yep. by salary sacrificing a $100 per fortnight, it will reduce your yearly income by about 1,768. Yeah. Which is not a lot, really, over And a year. exactly. Yep. So sometimes Yep. seeing it on on this scale, it kind Yeah. of like, oh, okay. Well, Yeah. that's not too bad. That's always something you can change as well. Yep. Now underneath it, it then shows you the impact on the superannuation. So it Mhmm. shows you the contributions you're getting from your employer. It then shows you on the proposed side, the salary sacrificed amount. Again, obviously, tax is paid on contributions, and Mhmm. then you have the net contribution. So you can see that it is boosting your super by about $2,210. And Yeah. when you Yep. do factor in extra super minus the income, it still puts you in a better off position by about $442. Yep. No. That's Yeah. good. Does Yep. that make sense? Yeah. It does. Yep. Yeah. Okay.","start_word":4452,"end_word":4879,"sentiment":"neutral","sentiment_score":0.009607155876947895},{"text":"Perfect.","start_word":4880,"end_word":4880,"sentiment":"positive","sentiment_score":0.411418616771698},{"text":"Again, on the next pages, it shows you advantages, disadvantages, and risks.","start_word":4881,"end_word":4892,"sentiment":"neutral","sentiment_score":0.1796598732471466},{"text":"But kind of like we touched on, a big advantage is it continues to boost and grow your superannuation, reduces tax payable, which is fantastic.","start_word":4893,"end_word":4917,"sentiment":"positive","sentiment_score":0.547265350818634},{"text":"But a disadvantage is that you will obviously have a little bit of that reduced net income.","start_word":4918,"end_word":4934,"sentiment":"negative","sentiment_score":-0.554336667060852},{"text":"Yep. It's locked in until you act can access the money.","start_word":4935,"end_word":4945,"sentiment":"neutral","sentiment_score":-0.3073866367340088},{"text":"One of the risks is that there's always a potential change to legislation.","start_word":4946,"end_word":4958,"sentiment":"negative","sentiment_score":-0.4237379729747772},{"text":"Yep. But, obviously, if that were to change or if it was to drastically decrease, which I doubt is usually the opposite. It's Yep. just obviously something we would have to just revisit if we need to make any changes. Yep. Okay. Yep.","start_word":4959,"end_word":5001,"sentiment":"neutral","sentiment_score":-0.18854913115501404},{"text":"Perfect.","start_word":5002,"end_word":5002,"sentiment":"positive","sentiment_score":0.5012971758842468},{"text":"Now an alternative considered, so that is page 23, is instead of doing salary sacrifice, if you just do a lump sum, you can Yep. do lump sum in in and change it to pretax. But Yep. by using salary sacrifice, you do take advantage of that kind of dollar cost averaging, which means that throughout the year, you're going to have more money invested than if you just do a lump sum at the end of the year. But, also, with all the ups and downs of the market fluctuations, by doing it regularly, it means that sometimes you're investing when the market's up, sometimes when it's down, and you kind of take Yep. advantage of the ups and downs then if you just do, like, a lump sum. And if at the time the market is up, you don't get as much. Yeah. Yeah. That makes Yeah. sense. Yep. Yeah.","start_word":5003,"end_word":5154,"sentiment":"neutral","sentiment_score":0.015052667818963528},{"text":"Perfect.","start_word":5155,"end_word":5155,"sentiment":"positive","sentiment_score":0.4446262717247009},{"text":"Now any questions so far? Or it's pretty straightforward. No. It's pretty straightforward at No? the moment. Yep.","start_word":5156,"end_word":5173,"sentiment":"neutral","sentiment_score":0.08892451971769333},{"text":"Perfect.","start_word":5174,"end_word":5174,"sentiment":"positive","sentiment_score":0.3667953312397003},{"text":"We're almost at the end. And the next two or next couple of pages, actually, it shows you a little bit more in regards to setting up a will. Just some information Yep. for you. And then, again, when it comes to power of attorney, the different types of power of attorney available Yep. Yep. as well that you can have a bit of a read over. Three. Yep. No worries. Yep.","start_word":5175,"end_word":5246,"sentiment":"neutral","sentiment_score":0.0954657644033432},{"text":"Perfect.","start_word":5247,"end_word":5247,"sentiment":"positive","sentiment_score":0.5392142534255981},{"text":"Now that then takes us to our ongoing services, which obviously you would be aware of doing the under review, every twelve months, which is where we obviously reassess everything for you in detail. But Yep. it doesn't mean that we have to wait to under review. So if at any point in time, obviously, you guys want an appointment or there's anything any questions or anything you need, you know, there's no additional fees or charges at all if you wanted to do monthly catch up or quarterly catch up or just call whenever you have a question. There Yep. is no changes.","start_word":5248,"end_word":5351,"sentiment":"neutral","sentiment_score":0.1227630451321602},{"text":"So that's Yep. all just kind of part part of the service for you.","start_word":5352,"end_word":5365,"sentiment":"positive","sentiment_score":0.4147968590259552},{"text":"No worries. Yep. Now the last thing is then in regards to the remuneration again. So that is page 31 or 32. Yep. Yep. So kind of like I mentioned in the annual review, no changes whatsoever in regards to the fee structure.","start_word":5366,"end_word":5408,"sentiment":"neutral","sentiment_score":0.11685216426849364},{"text":"And, again, obviously, because we have both of you as clients, you are on that reduced 1.1% from Yep. Super.","start_word":5409,"end_word":5428,"sentiment":"positive","sentiment_score":0.4068584740161896},{"text":"And so that's not changing.","start_word":5429,"end_word":5433,"sentiment":"neutral","sentiment_score":0.29758864641189575},{"text":"So if you are happy and you wanted to go ahead with the recommendation, there is no additional fees or charges at all to implement that. That is all part of the service.","start_word":5434,"end_word":5466,"sentiment":"positive","sentiment_score":0.3894616961479187},{"text":"Okay. Yep. And I have also just included just the insurances for your awareness. So when it comes to the insurance, I'm not sure if you remember when we set them up for you, but we do get 22% commissions on the premium. Okay. Yep. MetLife, so the Yep. insurer paying us, it is not you paying us. Before compliance, we have to disclose any commissions we receive so that you are fully aware. But, again, No one. you don't pay for that. Yep. No problem. Yep.","start_word":5467,"end_word":5553,"sentiment":"neutral","sentiment_score":0.07609529793262482},{"text":"Perfect.","start_word":5554,"end_word":5554,"sentiment":"positive","sentiment_score":0.578791618347168},{"text":"And that basically summarizes everything. So as you scroll through, you will see authority to proceed, and that basically just shows that if you are happy with the recommendation, what we are looking at doing is keeping your hub twenty four account, change some of those underlying investments, and then look to do that salary sacrifice for you as well. Yep. Okay. Yep.","start_word":5555,"end_word":5617,"sentiment":"neutral","sentiment_score":0.2610340714454651},{"text":"Perfect.","start_word":5618,"end_word":5618,"sentiment":"positive","sentiment_score":0.5306079983711243},{"text":"Now the next page, it shows how to implement our advice. You don't really have to worry about it because if it was Yep. something that you wanted to do, we would do it all in the back end. The only Yep. thing would be that you would just contact your employer and say that Yep. you would like to start salary sacrificing. Yep. Okay. Yep.","start_word":5619,"end_word":5684,"sentiment":"neutral","sentiment_score":0.08622737973928452},{"text":"Perfect. Cool.","start_word":5685,"end_word":5686,"sentiment":"positive","sentiment_score":0.5497680902481079},{"text":"No Now worries. that was essentially everything I had to go through. So, Yep. obviously, from here, if you wanted to take some time to read over these documents, you are more than welcome to do so. Yep. When you do have a read over it or if you are happy to go ahead with the recommendation, it will then be pretty straightforward. It's the same as the annual review. Where you are or where it said start now to sign documents, Yep. it will just ask you to add a little signature at the end of the statement of advice, and Yep. it will then automatically send it back to me.","start_word":5687,"end_word":5798,"sentiment":"neutral","sentiment_score":0.1919860690832138},{"text":"And that tells me that you are happy with the recommendation, and I will let the team know to go ahead and make those changes for you.","start_word":5799,"end_word":5825,"sentiment":"positive","sentiment_score":0.367831826210022},{"text":"Cool. So I will just hit click to start and then, yeah, follow. Yes. Yep. Exactly. No worries. Yep. Okay.","start_word":5826,"end_word":5845,"sentiment":"neutral","sentiment_score":0.1507517695426941},{"text":"Perfect. Perfect.","start_word":5846,"end_word":5847,"sentiment":"positive","sentiment_score":0.4589163064956665},{"text":"Yep.","start_word":5848,"end_word":5848,"sentiment":"neutral","sentiment_score":0.28468459844589233},{"text":"Sounds Now good.","start_word":5849,"end_word":5851,"sentiment":"positive","sentiment_score":0.3529260456562042},{"text":"do you have any questions for me at all? No.","start_word":5852,"end_word":5861,"sentiment":"neutral","sentiment_score":0.15577779710292816},{"text":"That's really good. Thank you.","start_word":5862,"end_word":5866,"sentiment":"positive","sentiment_score":0.3875965476036072},{"text":"Yeah. Nope. So I'll probably, yeah, just have a bit of a read tonight. Yes. And Yep. yeah. I mean, it's just more my just do some rough calcs on the salary sacrifice and but I don't Yes. think it's a a massive deal when I work it Yeah. out weekly at the end of the day. So Yeah. yeah. No. That's good. And if you do let's say you you run through it and you go, no. I don't wanna start salary sacrificing yet, but I'm happy to make the investment change. In Yeah. the SOA, there's a little text box just before signing that Yep. it will allow you to type. So you could Oh, just okay. type there. For example, if you go, no. I don't wanna do salary sacrifice yet, which is perfectly fine. You could just Yep. type, I'm happy with the investment change, but prefer not to do the salary sacrifice yet. Yep. Okay. Yep.","start_word":5867,"end_word":6027,"sentiment":"neutral","sentiment_score":0.06276798262174085},{"text":"And that's perfectly fine.","start_word":6028,"end_word":6031,"sentiment":"positive","sentiment_score":0.3462059199810028},{"text":"Or if there was any other changes you wanna make, it's kind of like a free box where it allows you Yeah. to type. Okay. No worries. Yep.","start_word":6032,"end_word":6059,"sentiment":"neutral","sentiment_score":0.13731727004051208},{"text":"Thanks for that. Yeah. Good. No problem Alright. at all. Awesome. Well, that was basically everything.","start_word":6060,"end_word":6075,"sentiment":"positive","sentiment_score":0.43332576751708984},{"text":"Any questions for me before I let you go and enjoy the rest of your afternoon or evening, I No. should say? No. Pete did tell me to let you know he couldn't get those photos through. We couldn't get it to work Yes. on the email with that payment thing overdue. So, Yeah. Is he there with you? yes, he is. Can he Yep. hear me? I'll pop you on speaker. Yes. Here he is. How are you? Yeah. Good, Peter. How I'm are you? good. Thank you. Yeah. I could Now, not Sarah get those through. But no matter what I tried, I haven't come across that before.","start_word":6076,"end_word":6185,"sentiment":"neutral","sentiment_score":-0.01812967099249363},{"text":"It was really kinda bizarre.","start_word":6186,"end_word":6190,"sentiment":"negative","sentiment_score":-0.3821021020412445},{"text":"yeah. So Yeah. Because I was keeping a look at for today, but I did actually call a sender regardless because they should have their emails. So I was just about to send you an email, but now when you're here on the phone, it's Yeah. good. Easy. Yep. So I did call them today just to query, and I said that you did receive two emails, which was very strange. But, obviously, since then, we've got the certificate of currency, things paid up to date. You shouldn't have received that out of pocket because it's not something you pay for out of pocket. Yes. And they just apologized for the error and said that they were having some technical issues. And, yes, they apologized Okay. for that letter Beautiful. even though it was true. Okay.","start_word":6191,"end_word":6326,"sentiment":"neutral","sentiment_score":-0.05888145789504051},{"text":"So Beautiful. I'm very happy that you did not Yes.","start_word":6327,"end_word":6336,"sentiment":"positive","sentiment_score":0.35460509061813356},{"text":"proceed with paying Quiet. it. So Yeah. if Yeah. if for some reason either of you aim get anything from this, just call me just Yep. to be sure. It shouldn't happen. And they Yes.","start_word":6337,"end_word":6371,"sentiment":"neutral","sentiment_score":0.05641912296414375},{"text":"were very apologetic, but they reassured me that everything is paid and everything is up to date. Lovely. Thanks for following that up. Yep. Yeah. Awesome.","start_word":6372,"end_word":6397,"sentiment":"positive","sentiment_score":0.4745490252971649},{"text":"No.","start_word":6398,"end_word":6398,"sentiment":"neutral","sentiment_score":0.2803223133087158},{"text":"Thank you. That is no problem. I will let you guys go and enjoy dinner soon, I'm sure.","start_word":6399,"end_word":6416,"sentiment":"positive","sentiment_score":0.5537711381912231},{"text":"And Yeah. any questions, just just let me know either of you. Okay?","start_word":6417,"end_word":6429,"sentiment":"neutral","sentiment_score":0.2283710092306137},{"text":"Lovely. Thank you so much. Enjoy your night.","start_word":6430,"end_word":6437,"sentiment":"positive","sentiment_score":0.7711440920829773},{"text":"Nope. You too. We'll speak soon. Bye. Okay. Bye.","start_word":6438,"end_word":6446,"sentiment":"neutral","sentiment_score":0.1178528293967247}],"average":{"sentiment":"neutral","sentiment_score":0.09998441529837138}}}}