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I know Victoria can tend to sort of bounce them down on a daily basis, so it's nice that it's in the middle for once. Yep. Yep. So enjoy it while you can kind of thing. So, mate, I've got you booked in to go through this updated advice strategy. I'm just wondering if you've got access to look onto the email with me today, or should I just kind of walk you through what I'm sending? Cool. There is a few attachments, so I am gonna just pop it through now just so it takes a minute to get through. And just while I'm doing that, I'm just gonna go through a quick security check with you. Right. So for myself, I'm registered with Asica's adviser 1 273105. Could I please confirm your date of birth and address that we would have on file? Perfect. Thank you so much for that. Are you okay for the call to be recorded? Perfect. Now I believe you have used our new system before, so it should go through pretty quickly to your main inbox. Sometimes it does go to spam, but if you've used it before, it should go through there. I have added a number of attachments, which is essentially our updated service guides for Oakview, some product disclosure documents from the super funds and insurers just with all their up to date information as well. If you have that in... Email up, can you just go into sign button to open up the statement of advice so I can walk you through it? You should be able to see the Gold Coast Speechfront City picture once you do have it open. Awesome. Alrighty. So front page has my licensing details with ASIC on it. If you wanna swing down to page three and four, you will see a scope of advice heading. Now the main purpose of this updated advice is to update the super portfolio. We were looking at changing super funds, just really doing a bit of an engine tune up, especially given since we spoke, obviously, there was the the legislation changes to capital gains tax, negative gearing, war in Iran. Lots of things kind of popped up. The old RBA raising rates a few times. So I've added in a few different tweaks to the portfolio to kind of address everything, if that makes sense. Cool. We put in just a bit of a flag here. I know we were kind of sorting out beneficiary nominations with you, but some reminders on wills and powers of attorney in the estate planning. In the next page, you'll see a limited scope for insurance, and that's essentially that we didn't see a reason to kind of change the insurances. We were just factoring in the price and the impact that has on your super. Cool. What's not in scope is on the next page. So we're not doing any debt management advice. You're obviously looking after your own cash flow, paying down the mortgage, building savings. And if you need help with that, we're just a call away. But this is mainly focused on the super. Yep. Well, hopefully, that's keeping you away from all these rate rises for a little while, and then hopefully by the time that year or two, let's fingers crossed the rates have started going down by that point. Oh, I had mine fixed at 1.9. Now I think I'm sitting at six point something, and it just keeps ticking on up. So it's not fun for everyone. If you swing past there, so limited advice warning is just saying that giving advice on everything. And if the info we have isn't accurate, it impacts the advice. And can you have a look for me at pages seven and eight? There's an about you section and assets and liabilities. We've got your Gmail address, sales admin still about 68,000, the home and the vehicle as listed assets and liabilities. Yep. I will update on system. So 70. And did that just reflect when you did, like, your tax return, or is it a bit like a promotion? Yep. General pay rise, 70,000. And I'm assuming no major changes to the the amount you've got owing on the mortgage there. That's alright. Yep. Awesome. I'll add that to the system there, but it's obviously not material to the advice if that makes sense. And from there, so it's got your super listed, the insurance policy with ClearView after that. And just past that one, you'll see two pages for your high growth risk profile. Oh, yes. So if you're sitting at risk protection portfolio... Yeah. So that one's the insurances. You're off for the next one, and you'll see a risk profile and sort of questionnaire bit there. And the page after it, it has, like, a kind of exploded pie chart, which just gives you an idea of what a high growth portfolio could look like just based on the licensing guidelines that we run by. A bit of a text heavy page after that on twelve. Strategy recommendations. No worries at all. Cool. So, again, we're not changing funds. We're doing a tune up of the options. We're removing, obviously, the underperforming option in the Bennelong, a couple of other tweaks there. Basically, what this is saying is that we're not projecting you out twenty six years to say whether you're track for retirement at this point. Few too many variables to take into account, but we are doing that ten year projection just to see if we can get you in a better position, bit more towards funding that retirement goal. If you go to the next one, so we've got table on 13 for advantages and disadvantages. It's under an outcomes heading. Cool. The main disadvantage with all of our portfolios is because we use ETFs, there's brokerage fees to purchase them. So once you've got them, you pay, like, a 0.11% to buy them. Once you've got those investments, they're kind of like the lowest fee options going forward. With the changes, we're basically gonna really lower the investment fees, fix up the performance a little bit, and there's gonna be a slight tweak asset allocation. Whenever we change investments inside super, there is an element of capital gains tax under the hood for, like, an internal super tax rate. It's only $88 at the moment, and I'll factor that into projections as well. It's based on the performance of the investments. So what'll happen is every tax inside super is just 15%. If you get dividends inside super, they're 15%. If your shares fees grow, 15%. Cool. Once you're in pension phase, it's all tax free, which is lovely, but you have to wait until you're somewhere between 60 and 67. Cool. One of the cool things to do with Hub is because it's a wrap platform, it's just a fancy word for a very fully featured super fund. It's got the most investment options, the most features. One of those is aggregated trading. So I can't quantify it for you, but what it basically means is when we buy and sell these options, if someone is selling the shares that you're buying, they will actually transfer them to you and switch the parcels without charging brokerage fees. Basically, just... I've seen it minimize brokerage fees by 20 to 80%. It's just a handy little feature that they've got. Cool. If you go down past there, so there's a number of warn Again, we can't control the weather in the markets, but we can pick the options for you. We've gone through a number of alternatives, but the main one, there's a fee comparison table on page 15. Cool. Now can you see that right hand column? There's a difference column. So based on current balance, because remember, everything is percentage based. So the bigger the balance, the bigger the the figures go. 80 $8 is the capital gain for switching the investments. Then we've got a $145 saved on the investment fees based on the current balance. That'll just balloon out. Basically, we're able to get the investment fees in half, which was pretty good. $12 more in adviser service fees, and that's purely because this projection factors in the growth for the year and the extra growth from the extra returns and the fee savings, which is down the bottom. So I would have mentioned to you during the review that you need to be aiming for, like, nine to 10% average for a high growth return after fees. You're sitting at just shy of nine. The average for new portfolio is more over 11, and that should get it nicely on track as well. Cool. After that, so we've got a bit of an updated projection there. So, again, based on current balance where you go from a 160,000 in ten years to a 195. So let's say $30 with a grain of salt. But, again, that compounds more as you go up to the higher balances. The thing is just underneath that table, you can see that the returns from the current versus the new is we're just trying to keep it consistently double digit across all time frames. Cool. Any questions on that so far? Cool. Now the next page, you should see an investments table with a blue bar and quite a lot of red and green figures in there, if you can make that out. Cool. So because of the way that one investment option been along was going down, I mentioned that the capital gains tax wasn't very much. So we are taking this opportunity to overhaul a lot of the options inside the portfolio to get them as up to date as we can. So everything that's in red is being sold down. Some of them in the second last column you can see go to zero. Those ones are being removed. The ones underneath that, once it hits the seven, six, 35%, they're staying, but we're just rebalancing them back to where they should be. The green ones at the bottom, these are the new options that we're adding into the portfolio. Cool. So the main thing I need to point out here is that there's a few different countries and sectors now than what you had previously. The Benelon option that was underperforming, that's been replaced for a lower fee in month. Lower fees, better performance. There's also... Because you're in high growth, there is a small portion of your super and kind of safer assets like a term deposit, if that makes sense. Those types of term deposits is actually being phased out by the government next year, and you had a really good return from that one. So what I'm basically saying is we're gonna sell it while it's high before it kind of crashes next year and just switch it out to something else beforehand. Cool. Last sort of table here, nineteen will have a pie chart, and it's got kind of all the colors of your asset classes on it. Yeah. It's one of those interesting things where the... Think of international as US focused in one sense and then developing nations for another sense. You know, second world trying to get up to first world type of nations. Now what tends to happen is Australia has kind of been lagging behind the rest of the world in productivity and growth and things like that. So, generally, yeah, it does for us. So, generally speaking, the American shares perform better long term and also developing nations who are, you know, years getting manufacturing from China and they're growing and Mexico is growing and everyone's growing. Even Argentina is growing, and we're kind of in like a... What do they call it? Close to stagflation where cost of everything is going up, but we're not growing. So we are favoring pretty heavy towards the international side. It looks like one thing, but when you look at that investment table above, there's about five or six options split between different countries and sectors. So I guess the buzzword there is it's well diversified to make sure it's not just reliant on just The US or just The UK. Cool. Still some alternatives in there in terms of gold, little fixed interest in cash in there, which is, again, just a minimum 1.25% that we have to have with Hub. The last thing I'll point out on that table is the middle bar. There's a growth total in gray, and it basically says 90%, 92, 93. And, essentially, high growth, you sit between 90 to a 100% growth assets. You're sitting at 92. When we rebalance, you'll be sitting at just shy of four. Well, it basically means that you're almost fully invested in shares property goal, high risk, high return assets. So over 10 you're gonna get these really nice returns, goes up and down like a roller coaster every year. When you're closer to retirement, we pair that back down again. So let's say you're ten years off from retirement, we'll go, oh, you're sitting at 90%. At least we think you should now go to eighty, seventy, sixty, fifty, forty, and there you are, your 65, nice, safe pension account. Cool. Please just bear in mind the ETFs I mentioned earlier, these different options just follow those markets. So if the entire world explodes, your super is gonna dive with it. Your contributions are gonna go in and buy all these shares for a cheaper price. And then when the world covers for five years, you'll get these big returns on the way up again. Any questions on that? Besides, no, I don't have a crystal ball. I don't know when the world's gonna explode next. It's already happened twice this year, probably once before Christmas and maybe once in the New Year. But I guess the reassuring thing I can say is that every five years something happens, and we can still get some good growth over 10/20, thirty, forty, fifty years. We can't not invest you to get you up to where you need to be, But part of that is if you watch your super every day, whenever there's a news article, it's gonna follow the news. Cool. The rest of that document is pretty much just a reminder for the beneficiaries and the state planning side of things. I'm not sure if you did actually fill in the forms that we sent through to get your spouse listed on Hub and Clearview, but if not, we've got That's okay. That's okay. I've got fresh ones coming out to you. Sometimes the providers update them, and if you fill out an old one, I should reject it, and it's not very fun. Cool. So we just got spouse listed on those, a 100% binding legally, non lapsing so they don't expire, and we'll get those updated too. Actually, one thing I will cap off with before I let you go. So if you scroll all the way past here, you'll see wills and powers of attorney, and I'm I'm going right down to the pages in the thirties now. So can you see on page 20 nine, just before that, there's an ongoing remuneration table. So one thing that I'm I'm gonna kind of send out to you, I do need to explain it in three ways, unfortunately, just because there's been a few changes, is you're currently under a service agreement with us. We charge 1.65% per annum spread throughout the year. Now with the new structure that we've got, we've brought in a tiered fee structure, which essentially means that when people get to 200,000, 500,000, and a million, there's lower percentage discounts that get applied to the balance. So when you get to 200,000, that will kick in. In the interim, we're offering sort of like a couple's discount of 1.1%. I believe you're still with Emma, is it? Yep. So what I would do is if you're comfortable, we'll kind of set this as the plan going forward. I can send you out an updated consent form for the discount for twelve months from one point six five to 1.1. And then in twelve months' time, this one will be onto that new tiered structure as a couple. Cool. So, again, I guess the way I would explain it is discount now for twelve months, and then it gets structured together so that as your balances grow as a couple, it'll be a little bit different then. Yeah. 100%. One of the things that I've got in line for you down the line is that once your balance is a bit higher, we can do, like, a family fee linking inside Hub. They will actually count your balances as the same when they calculate fees, but not pull them together. But it's not really... There's no point doing it right now. It's more for, like, if you hit, I think their tiers are 250,000 above. Yeah. No. No. We'll... Again, high growth and everything. We'll get you up there as quick as we can. But, basically, what I wanna do is just supply as many fee reductions as I can between Oakview, the super funds, the investment options, everything combined, every dollar has. Cool. So, basically, if you're comfortable with this plan, we'd sign off on this one. That'll come back to us, and we will do the investment switches. Generally, on a Friday, we'll do the trade. I would then book in for a review in twelve months' time. Do you want me to book anything else in in between then? Any kind of quarterly catch ups or anything that you might need? Yeah. Cool. And even if it's just, you know, send a report and a quick catch up and nothing's changed, that's great. If there are major changes, we can jump on it nice and early. Cool. Like, do you have any questions for me before I let you go? Yeah. So if you're comfortable with the investment, get you to sign this one. And then separately, I'm gonna get the team to send out that discounted fee form as well. Cool. It'll just be two emails coming out to you today. This one and then one more in and out too. Oh, the beneficiaries? Yeah. Yep. I'll get them... Would you prefer them kind of emailed so you can print them and scan back, or should we just post them out with some envelopes? Fantastic. Alright. I'll get them posted out. No worries at all. Beautiful. Thank you so much for your time, Lee. It's been an absolute pleasure. I will schedule in. Let's just have a look October, November, December. So, basically, we kind of shut, like, mid December, late December. I'll punch in for a bit of a catch up in that first week there just to touch base before Christmas. Awesome, mate. Have a fantastic day, and thank you for your time. Cheers. 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afternoon, Leith. It's Tommy here from Oakview Financial, mate. How are you doing? I'm living the dream. It's a beautiful day on the Gold Coast.\n\nWhat about your end? A humid middle ground. I know Victoria can tend to sort of bounce them down on a daily basis, so it's nice that it's in the middle for once. Yep. Yep.\n\nSo enjoy it while you can kind of thing. So, mate, I've got you booked in to go through this updated advice strategy. I'm just wondering if you've got access to look onto the email with me today, or should I just kind of walk you through what I'm sending? Cool. There is a few attachments, so I am gonna just pop it through now just so it takes a minute to get through.\n\nAnd just while I'm doing that, I'm just gonna go through a quick security check with you. Right. So for myself, I'm registered with Asica's adviser 1 273105. Could I please confirm your date of birth and address that we would have on file? Perfect.\n\nThank you so much for that. Are you okay for the call to be recorded? Perfect. Now I believe you have used our new system before, so it should go through pretty quickly to your main inbox. Sometimes it does go to spam, but if you've used it before, it should go through there.\n\nI have added a number of attachments, which is essentially our updated service guides for Oakview, some product disclosure documents from the super funds and insurers just with all their up to date information as well. If you have that in... Email up, can you just go into sign button to open up the statement of advice so I can walk you through it? You should be able to see the Gold Coast Speechfront City picture once you do have it open. Awesome.\n\nAlrighty. So front page has my licensing details with ASIC on it. If you wanna swing down to page three and four, you will see a scope of advice heading. Now the main purpose of this updated advice is to update the super portfolio. We were looking at changing super funds, just really doing a bit of an engine tune up, especially given since we spoke, obviously, there was the the legislation changes to capital gains tax, negative gearing, war in Iran.\n\nLots of things kind of popped up. The old RBA raising rates a few times. So I've added in a few different tweaks to the portfolio to kind of address everything, if that makes sense. Cool. We put in just a bit of a flag here.\n\nI know we were kind of sorting out beneficiary nominations with you, but some reminders on wills and powers of attorney in the estate planning. In the next page, you'll see a limited scope for insurance, and that's essentially that we didn't see a reason to kind of change the insurances. We were just factoring in the price and the impact that has on your super. Cool. What's not in scope is on the next page.\n\nSo we're not doing any debt management advice. You're obviously looking after your own cash flow, paying down the mortgage, building savings. And if you need help with that, we're just a call away. But this is mainly focused on the super. Yep.\n\nWell, hopefully, that's keeping you away from all these rate rises for a little while, and then hopefully by the time that year or two, let's fingers crossed the rates have started going down by that point. Oh, I had mine fixed at 1.9. Now I think I'm sitting at six point something, and it just keeps ticking on up. So it's not fun for everyone. If you swing past there, so limited advice warning is just saying that giving advice on everything.\n\nAnd if the info we have isn't accurate, it impacts the advice. And can you have a look for me at pages seven and eight? There's an about you section and assets and liabilities. We've got your Gmail address, sales admin still about 68,000, the home and the vehicle as listed assets and liabilities. Yep.\n\nI will update on system. So 70. And did that just reflect when you did, like, your tax return, or is it a bit like a promotion? Yep. General pay rise, 70,000.\n\nAnd I'm assuming no major changes to the the amount you've got owing on the mortgage there. That's alright. Yep. Awesome. I'll add that to the system there, but it's obviously not material to the advice if that makes sense.\n\nAnd from there, so it's got your super listed, the insurance policy with ClearView after that. And just past that one, you'll see two pages for your high growth risk profile. Oh, yes. So if you're sitting at risk protection portfolio... Yeah.\n\nSo that one's the insurances. You're off for the next one, and you'll see a risk profile and sort of questionnaire bit there. And the page after it, it has, like, a kind of exploded pie chart, which just gives you an idea of what a high growth portfolio could look like just based on the licensing guidelines that we run by. A bit of a text heavy page after that on twelve. Strategy recommendations.\n\nNo worries at all. Cool. So, again, we're not changing funds. We're doing a tune up of the options. We're removing, obviously, the underperforming option in the Bennelong, a couple of other tweaks there.\n\nBasically, what this is saying is that we're not projecting you out twenty six years to say whether you're track for retirement at this point. Few too many variables to take into account, but we are doing that ten year projection just to see if we can get you in a better position, bit more towards funding that retirement goal. If you go to the next one, so we've got table on 13 for advantages and disadvantages. It's under an outcomes heading. Cool.\n\nThe main disadvantage with all of our portfolios is because we use ETFs, there's brokerage fees to purchase them. So once you've got them, you pay, like, a 0.11% to buy them. Once you've got those investments, they're kind of like the lowest fee options going forward. With the changes, we're basically gonna really lower the investment fees, fix up the performance a little bit, and there's gonna be a slight tweak asset allocation. Whenever we change investments inside super, there is an element of capital gains tax under the hood for, like, an internal super tax rate.\n\nIt's only $88 at the moment, and I'll factor that into projections as well. It's based on the performance of the investments. So what'll happen is every tax inside super is just 15%. If you get dividends inside super, they're 15%. If your shares fees grow, 15%.\n\nCool. Once you're in pension phase, it's all tax free, which is lovely, but you have to wait until you're somewhere between 60 and 67. Cool. One of the cool things to do with Hub is because it's a wrap platform, it's just a fancy word for a very fully featured super fund. It's got the most investment options, the most features.\n\nOne of those is aggregated trading. So I can't quantify it for you, but what it basically means is when we buy and sell these options, if someone is selling the shares that you're buying, they will actually transfer them to you and switch the parcels without charging brokerage fees. Basically, just... I've seen it minimize brokerage fees by 20 to 80%. It's just a handy little feature that they've got.\n\nCool. If you go down past there, so there's a number of warn Again, we can't control the weather in the markets, but we can pick the options for you. We've gone through a number of alternatives, but the main one, there's a fee comparison table on page 15. Cool. Now can you see that right hand column?\n\nThere's a difference column. So based on current balance, because remember, everything is percentage based. So the bigger the balance, the bigger the the figures go. 80 $8 is the capital gain for switching the investments. Then we've got a $145 saved on the investment fees based on the current balance.\n\nThat'll just balloon out. Basically, we're able to get the investment fees in half, which was pretty good. $12 more in adviser service fees, and that's purely because this projection factors in the growth for the year and the extra growth from the extra returns and the fee savings, which is down the bottom. So I would have mentioned to you during the review that you need to be aiming for, like, nine to 10% average for a high growth return after fees. You're sitting at just shy of nine.\n\nThe average for new portfolio is more over 11, and that should get it nicely on track as well. Cool. After that, so we've got a bit of an updated projection there. So, again, based on current balance where you go from a 160,000 in ten years to a 195. So let's say $30 with a grain of salt.\n\nBut, again, that compounds more as you go up to the higher balances. The thing is just underneath that table, you can see that the returns from the current versus the new is we're just trying to keep it consistently double digit across all time frames. Cool. Any questions on that so far? Cool.\n\nNow the next page, you should see an investments table with a blue bar and quite a lot of red and green figures in there, if you can make that out. Cool. So because of the way that one investment option been along was going down, I mentioned that the capital gains tax wasn't very much. So we are taking this opportunity to overhaul a lot of the options inside the portfolio to get them as up to date as we can. So everything that's in red is being sold down.\n\nSome of them in the second last column you can see go to zero. Those ones are being removed. The ones underneath that, once it hits the seven, six, 35%, they're staying, but we're just rebalancing them back to where they should be. The green ones at the bottom, these are the new options that we're adding into the portfolio. Cool.\n\nSo the main thing I need to point out here is that there's a few different countries and sectors now than what you had previously. The Benelon option that was underperforming, that's been replaced for a lower fee in month. Lower fees, better performance. There's also... Because you're in high growth, there is a small portion of your super and kind of safer assets like a term deposit, if that makes sense.\n\nThose types of term deposits is actually being phased out by the government next year, and you had a really good return from that one. So what I'm basically saying is we're gonna sell it while it's high before it kind of crashes next year and just switch it out to something else beforehand. Cool. Last sort of table here, nineteen will have a pie chart, and it's got kind of all the colors of your asset classes on it. Yeah.\n\nIt's one of those interesting things where the... Think of international as US focused in one sense and then developing nations for another sense. You know, second world trying to get up to first world type of nations. Now what tends to happen is Australia has kind of been lagging behind the rest of the world in productivity and growth and things like that. So, generally, yeah, it does for us.\n\nSo, generally speaking, the American shares perform better long term and also developing nations who are, you know, years getting manufacturing from China and they're growing and Mexico is growing and everyone's growing. Even Argentina is growing, and we're kind of in like a... What do they call it? Close to stagflation where cost of everything is going up, but we're not growing. So we are favoring pretty heavy towards the international side.\n\nIt looks like one thing, but when you look at that investment table above, there's about five or six options split between different countries and sectors. So I guess the buzzword there is it's well diversified to make sure it's not just reliant on just The US or just The UK. Cool. Still some alternatives in there in terms of gold, little fixed interest in cash in there, which is, again, just a minimum 1.25% that we have to have with Hub. The last thing I'll point out on that table is the middle bar.\n\nThere's a growth total in gray, and it basically says 90%, 92, 93. And, essentially, high growth, you sit between 90 to a 100% growth assets. You're sitting at 92. When we rebalance, you'll be sitting at just shy of four. Well, it basically means that you're almost fully invested in shares property goal, high risk, high return assets.\n\nSo over 10 you're gonna get these really nice returns, goes up and down like a roller coaster every year. When you're closer to retirement, we pair that back down again. So let's say you're ten years off from retirement, we'll go, oh, you're sitting at 90%. At least we think you should now go to eighty, seventy, sixty, fifty, forty, and there you are, your 65, nice, safe pension account. Cool.\n\nPlease just bear in mind the ETFs I mentioned earlier, these different options just follow those markets. So if the entire world explodes, your super is gonna dive with it. Your contributions are gonna go in and buy all these shares for a cheaper price. And then when the world covers for five years, you'll get these big returns on the way up again. Any questions on that?\n\nBesides, no, I don't have a crystal ball. I don't know when the world's gonna explode next. It's already happened twice this year, probably once before Christmas and maybe once in the New Year. But I guess the reassuring thing I can say is that every five years something happens, and we can still get some good growth over 10/20, thirty, forty, fifty years. We can't not invest you to get you up to where you need to be, But part of that is if you watch your super every day, whenever there's a news article, it's gonna follow the news.\n\nCool. The rest of that document is pretty much just a reminder for the beneficiaries and the state planning side of things. I'm not sure if you did actually fill in the forms that we sent through to get your spouse listed on Hub and Clearview, but if not, we've got That's okay. That's okay. I've got fresh ones coming out to you.\n\nSometimes the providers update them, and if you fill out an old one, I should reject it, and it's not very fun. Cool. So we just got spouse listed on those, a 100% binding legally, non lapsing so they don't expire, and we'll get those updated too. Actually, one thing I will cap off with before I let you go. So if you scroll all the way past here, you'll see wills and powers of attorney, and I'm I'm going right down to the pages in the thirties now.\n\nSo can you see on page 20 nine, just before that, there's an ongoing remuneration table. So one thing that I'm I'm gonna kind of send out to you, I do need to explain it in three ways, unfortunately, just because there's been a few changes, is you're currently under a service agreement with us. We charge 1.65% per annum spread throughout the year. Now with the new structure that we've got, we've brought in a tiered fee structure, which essentially means that when people get to 200,000, 500,000, and a million, there's lower percentage discounts that get applied to the balance. So when you get to 200,000, that will kick in.\n\nIn the interim, we're offering sort of like a couple's discount of 1.1%. I believe you're still with Emma, is it? Yep. So what I would do is if you're comfortable, we'll kind of set this as the plan going forward. I can send you out an updated consent form for the discount for twelve months from one point six five to 1.1.\n\nAnd then in twelve months' time, this one will be onto that new tiered structure as a couple. Cool. So, again, I guess the way I would explain it is discount now for twelve months, and then it gets structured together so that as your balances grow as a couple, it'll be a little bit different then. Yeah. 100%.\n\nOne of the things that I've got in line for you down the line is that once your balance is a bit higher, we can do, like, a family fee linking inside Hub. They will actually count your balances as the same when they calculate fees, but not pull them together. But it's not really... There's no point doing it right now. It's more for, like, if you hit, I think their tiers are 250,000 above.\n\nYeah. No. No. We'll... Again, high growth and everything.\n\nWe'll get you up there as quick as we can. But, basically, what I wanna do is just supply as many fee reductions as I can between Oakview, the super funds, the investment options, everything combined, every dollar has. Cool. So, basically, if you're comfortable with this plan, we'd sign off on this one. That'll come back to us, and we will do the investment switches.\n\nGenerally, on a Friday, we'll do the trade. I would then book in for a review in twelve months' time. Do you want me to book anything else in in between then? Any kind of quarterly catch ups or anything that you might need? Yeah.\n\nCool. And even if it's just, you know, send a report and a quick catch up and nothing's changed, that's great. If there are major changes, we can jump on it nice and early. Cool. Like, do you have any questions for me before I let you go?\n\nYeah. So if you're comfortable with the investment, get you to sign this one. And then separately, I'm gonna get the team to send out that discounted fee form as well. Cool. It'll just be two emails coming out to you today.\n\nThis one and then one more in and out too. Oh, the beneficiaries? Yeah. Yep. I'll get them...\n\nWould you prefer them kind of emailed so you can print them and scan back, or should we just post them out with some envelopes? Fantastic. Alright. I'll get them posted out. No worries at all.\n\nBeautiful. Thank you so much for your time, Lee. It's been an absolute pleasure. I will schedule in. Let's just have a look October, November, December.\n\nSo, basically, we kind of shut, like, mid December, late December. I'll punch in for a bit of a catch up in that first week there just to touch base before Christmas. Awesome, mate. Have a fantastic day, and thank you for your time. Cheers.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Leith.","start":2.72,"end":3.6799998,"sentiment":"positive","sentiment_score":0.41406551996866864},{"text":"It's Tommy here from Oakview Financial, mate.","start":3.6799998,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.2694396674633026},{"text":"How are you doing?","start":5.3599997,"end":6.18,"sentiment":"neutral","sentiment_score":0.26829274371266365},{"text":"I'm living the dream.","start":7.6,"end":8.559999,"sentiment":"positive","sentiment_score":0.704198345541954},{"text":"It's a beautiful day on the Gold Coast.","start":8.559999,"end":9.92,"sentiment":"positive","sentiment_score":0.7544722706079483}],"sentiment":"positive","sentiment_score":0.5020775674627378,"num_words":26,"start":2.72,"end":9.92},{"sentences":[{"text":"What about your end?","start":9.92,"end":11.059999,"sentiment":"neutral","sentiment_score":0.17828319221735},{"text":"A humid middle ground.","start":20.895,"end":21.935001,"sentiment":"neutral","sentiment_score":-0.01095308642834425},{"text":"I know Victoria can tend to sort of bounce them down on a daily basis, so it's nice that it's in the middle for once.","start":21.935001,"end":27.25,"sentiment":"neutral","sentiment_score":0.21334880381822585},{"text":"Yep.","start":32.35,"end":32.67,"sentiment":"neutral","sentiment_score":0.07768765091896057},{"text":"Yep.","start":32.67,"end":32.99,"sentiment":"neutral","sentiment_score":0.1510142683982849}],"sentiment":"neutral","sentiment_score":0.17804978394082616,"num_words":35,"start":9.92,"end":32.99},{"sentences":[{"text":"So enjoy it while you can kind of thing.","start":32.99,"end":34.93,"sentiment":"positive","sentiment_score":0.520211378733317},{"text":"So, mate, I've got you booked in to go through this updated advice strategy.","start":36.99,"end":40.415,"sentiment":"neutral","sentiment_score":0.1499419558261122},{"text":"I'm just wondering if you've got access to look onto the email with me today, or should I just kind of walk you through what I'm sending?","start":41.435,"end":47.935,"sentiment":"neutral","sentiment_score":0.0664949891053968},{"text":"Cool.","start":51.675003,"end":52.175003,"sentiment":"neutral","sentiment_score":0.19377170503139496},{"text":"There is a few attachments, so I am gonna just pop it through now just so it takes a minute to get through.","start":53.08,"end":59.02,"sentiment":"neutral","sentiment_score":0.10269550185488618}],"sentiment":"neutral","sentiment_score":0.15043544248249885,"num_words":74,"start":32.99,"end":59.02},{"sentences":[{"text":"And just while I'm doing that, I'm just gonna go through a quick security check with you.","start":59.24,"end":64.62,"sentiment":"neutral","sentiment_score":0.05019509419798851},{"text":"Right.","start":66.945,"end":67.185,"sentiment":"neutral","sentiment_score":0.0595448836684227},{"text":"So for myself, I'm registered with Asica's adviser 1 273105.","start":67.185,"end":71.525,"sentiment":"neutral","sentiment_score":0.053076454624533656},{"text":"Could I please confirm your date of birth and address that we would have on file?","start":71.665,"end":76.085,"sentiment":"neutral","sentiment_score":0.043926089303568006},{"text":"Perfect.","start":89.99,"end":90.31,"sentiment":"positive","sentiment_score":0.5325821042060852}],"sentiment":"neutral","sentiment_score":0.0595339014298386,"num_words":45,"start":59.24,"end":90.31},{"sentences":[{"text":"Thank you so much for that.","start":90.31,"end":91.43,"sentiment":"positive","sentiment_score":0.6420027911663055},{"text":"Are you okay for the call to be recorded?","start":91.43,"end":93.13,"sentiment":"neutral","sentiment_score":0.21527480747964647},{"text":"Perfect.","start":95.03,"end":95.505,"sentiment":"positive","sentiment_score":0.3932744860649109},{"text":"Now I believe you have used our new system before, so it should go through pretty quickly to your main inbox.","start":95.665,"end":101.045,"sentiment":"neutral","sentiment_score":0.3163513704424813},{"text":"Sometimes it does go to spam, but if you've used it before, it should go through there.","start":101.424995,"end":105.125,"sentiment":"neutral","sentiment_score":-0.07765175402164459}],"sentiment":"neutral","sentiment_score":0.21307524928340205,"num_words":54,"start":90.31,"end":105.125},{"sentences":[{"text":"I have added a number of attachments, which is essentially our updated service guides for Oakview, some product disclosure documents from the super funds and insurers just with all their up to date information as well.","start":106.545,"end":119.61,"sentiment":"neutral","sentiment_score":0.1062827245849702},{"text":"If you have that in...","start":120.63,"end":121.83,"sentiment":"neutral","sentiment_score":0.05851898714900017},{"text":"Email up, can you just go into sign button to open up the statement of advice so I can walk you through it?","start":121.83,"end":127.115005,"sentiment":"neutral","sentiment_score":0.059804480441886444},{"text":"You should be able to see the Gold Coast Speechfront City picture once you do have it open.","start":133.815,"end":140.5,"sentiment":"neutral","sentiment_score":0.19691847927040523},{"text":"Awesome.","start":140.5,"end":140.90001,"sentiment":"positive","sentiment_score":0.6680219173431396}],"sentiment":"neutral","sentiment_score":0.11694976644792471,"num_words":83,"start":106.545,"end":140.90001},{"sentences":[{"text":"Alrighty.","start":140.90001,"end":141.38,"sentiment":"positive","sentiment_score":0.3895776271820069},{"text":"So front page has my licensing details with ASIC on it.","start":141.38,"end":146.02,"sentiment":"neutral","sentiment_score":0.11961502514102242},{"text":"If you wanna swing down to page three and four, you will see a scope of advice heading.","start":146.02,"end":153.295,"sentiment":"neutral","sentiment_score":0.07563094670573871},{"text":"Now the main purpose of this updated advice is to update the super portfolio.","start":153.295,"end":158.595,"sentiment":"neutral","sentiment_score":0.06847709590303046},{"text":"We were looking at changing super funds, just really doing a bit of an engine tune up, especially given since we spoke, obviously, there was the the legislation changes to capital gains tax, negative gearing, war in Iran.","start":159.215,"end":173.62,"sentiment":"neutral","sentiment_score":-0.012330380317411925}],"sentiment":"neutral","sentiment_score":0.043375912622162484,"num_words":82,"start":140.90001,"end":173.62},{"sentences":[{"text":"Lots of things kind of popped up.","start":174.16,"end":176.0,"sentiment":"neutral","sentiment_score":-0.03754794757281031},{"text":"The old RBA raising rates a few times.","start":176.0,"end":178.34,"sentiment":"neutral","sentiment_score":-0.021983042359352112},{"text":"So I've added in a few different tweaks to the portfolio to kind of address everything, if that makes sense.","start":178.60501,"end":184.705,"sentiment":"neutral","sentiment_score":0.0691827192902565},{"text":"Cool.","start":186.52501,"end":187.02501,"sentiment":"neutral","sentiment_score":0.3121950030326843},{"text":"We put in just a bit of a flag here.","start":187.565,"end":189.405,"sentiment":"neutral","sentiment_score":0.03770380020141602}],"sentiment":"neutral","sentiment_score":0.0355258134558149,"num_words":46,"start":174.16,"end":189.405},{"sentences":[{"text":"I know we were kind of sorting out beneficiary nominations with you, but some reminders on wills and powers of attorney in the estate planning.","start":189.405,"end":197.27,"sentiment":"neutral","sentiment_score":0.027249757945537568},{"text":"In the next page, you'll see a limited scope for insurance, and that's essentially that we didn't see a reason to kind of change the insurances.","start":197.73,"end":206.63,"sentiment":"neutral","sentiment_score":-0.06254328956576781},{"text":"We were just factoring in the price and the impact that has on your super.","start":206.77,"end":210.97499,"sentiment":"neutral","sentiment_score":-0.059408618758122124},{"text":"Cool.","start":212.715,"end":213.215,"sentiment":"neutral","sentiment_score":0.08695577085018158},{"text":"What's not in scope is on the next page.","start":213.515,"end":215.75499,"sentiment":"neutral","sentiment_score":-0.2659734504090415}],"sentiment":"neutral","sentiment_score":-0.054510738740454576,"num_words":76,"start":189.405,"end":215.75499},{"sentences":[{"text":"So we're not doing any debt management advice.","start":215.75499,"end":218.735,"sentiment":"negative","sentiment_score":-0.36115799471735954},{"text":"You're obviously looking after your own cash flow, paying down the mortgage, building savings.","start":218.875,"end":223.375,"sentiment":"neutral","sentiment_score":0.05674025070454393},{"text":"And if you need help with that, we're just a call away.","start":224.73,"end":227.63,"sentiment":"neutral","sentiment_score":0.03982247101763884},{"text":"But this is mainly focused on the super.","start":227.69,"end":229.79,"sentiment":"neutral","sentiment_score":0.13294308912009},{"text":"Yep.","start":239.13,"end":239.385,"sentiment":"neutral","sentiment_score":-0.12692975997924805}],"sentiment":"neutral","sentiment_score":-0.01582362424842147,"num_words":43,"start":215.75499,"end":239.385},{"sentences":[{"text":"Well, hopefully, that's keeping you away from all these rate rises for a little while, and then hopefully by the time that year or two, let's fingers crossed the rates have started going down by that point.","start":239.86499,"end":250.685,"sentiment":"negative","sentiment_score":-0.36081050819641836},{"text":"Oh, I had mine fixed at 1.9.","start":254.92,"end":256.68,"sentiment":"neutral","sentiment_score":-0.2603072928530829},{"text":"Now I think I'm sitting at six point something, and it just keeps ticking on up.","start":256.68,"end":260.76,"sentiment":"negative","sentiment_score":-0.3868494499474764},{"text":"So it's not fun for everyone.","start":260.76,"end":262.22,"sentiment":"negative","sentiment_score":-0.5095154692729315},{"text":"If you swing past there, so limited advice warning is just saying that giving advice on everything.","start":264.84,"end":270.365,"sentiment":"neutral","sentiment_score":-0.3221379956778358}],"sentiment":"negative","sentiment_score":-0.36018276860915033,"num_words":83,"start":239.86499,"end":270.365},{"sentences":[{"text":"And if the info we have isn't accurate, it impacts the advice.","start":270.425,"end":275.245,"sentiment":"negative","sentiment_score":-0.36765847355127335},{"text":"And can you have a look for me at pages seven and eight?","start":275.545,"end":279.065,"sentiment":"neutral","sentiment_score":-0.002590095839248254},{"text":"There's an about you section and assets and liabilities.","start":279.065,"end":282.285,"sentiment":"neutral","sentiment_score":-0.0031647358037945298},{"text":"We've got your Gmail address, sales admin still about 68,000, the home and the vehicle as listed assets and liabilities.","start":284.15,"end":294.33002,"sentiment":"neutral","sentiment_score":0.015353137161582708},{"text":"Yep.","start":298.975,"end":299.475,"sentiment":"neutral","sentiment_score":0.03417205438017845}],"sentiment":"neutral","sentiment_score":-0.07514219551177864,"num_words":55,"start":270.425,"end":299.475},{"sentences":[{"text":"I will update on system.","start":299.535,"end":301.555,"sentiment":"neutral","sentiment_score":0.0333151962608099},{"text":"So 70.","start":301.935,"end":302.835,"sentiment":"neutral","sentiment_score":0.02651953510940075},{"text":"And did that just reflect when you did, like, your tax return, or is it a bit like a promotion?","start":303.215,"end":306.915,"sentiment":"neutral","sentiment_score":-0.007859005965292454},{"text":"Yep.","start":309.855,"end":310.355,"sentiment":"neutral","sentiment_score":0.056417495012283325},{"text":"General pay rise, 70,000.","start":310.575,"end":312.6,"sentiment":"neutral","sentiment_score":0.04444833751767874}],"sentiment":"neutral","sentiment_score":0.009270180540625006,"num_words":32,"start":299.535,"end":312.6},{"sentences":[{"text":"And I'm assuming no major changes to the the amount you've got owing on the mortgage there.","start":313.78,"end":318.12003,"sentiment":"neutral","sentiment_score":-0.020934245275223955},{"text":"That's alright.","start":324.42,"end":325.335,"sentiment":"neutral","sentiment_score":-0.08440148085355759},{"text":"Yep.","start":346.21,"end":346.71,"sentiment":"neutral","sentiment_score":0.30974435806274414},{"text":"Awesome.","start":346.93,"end":347.43,"sentiment":"positive","sentiment_score":0.6049610376358032},{"text":"I'll add that to the system there, but it's obviously not material to the advice if that makes sense.","start":348.05,"end":352.485,"sentiment":"neutral","sentiment_score":0.05042780543628492}],"sentiment":"neutral","sentiment_score":0.03370371419005096,"num_words":40,"start":313.78,"end":352.485},{"sentences":[{"text":"And from there, so it's got your super listed, the insurance policy with ClearView after that.","start":355.025,"end":362.085,"sentiment":"neutral","sentiment_score":0.03174574545118958},{"text":"And just past that one, you'll see two pages for your high growth risk profile.","start":365.69,"end":372.03,"sentiment":"neutral","sentiment_score":-0.01089813698393603},{"text":"Oh, yes.","start":382.715,"end":383.115,"sentiment":"neutral","sentiment_score":-0.029898298904299736},{"text":"So if you're sitting at risk protection portfolio...","start":383.115,"end":386.095,"sentiment":"neutral","sentiment_score":-0.04534422466531396},{"text":"Yeah.","start":386.875,"end":387.115,"sentiment":"neutral","sentiment_score":0.0062119923532009125}],"sentiment":"neutral","sentiment_score":-0.001711393578998035,"num_words":42,"start":355.025,"end":387.115},{"sentences":[{"text":"So that one's the insurances.","start":387.115,"end":388.415,"sentiment":"neutral","sentiment_score":0.0029009358258917928},{"text":"You're off for the next one, and you'll see a risk profile and sort of questionnaire bit there.","start":388.475,"end":394.91,"sentiment":"neutral","sentiment_score":0.022383111529052258},{"text":"And the page after it, it has, like, a kind of exploded pie chart, which just gives you an idea of what a high growth portfolio could look like just based on the licensing guidelines that we run by.","start":396.73,"end":406.815,"sentiment":"neutral","sentiment_score":0.0718194459302303},{"text":"A bit of a text heavy page after that on twelve.","start":407.995,"end":412.73502,"sentiment":"neutral","sentiment_score":0.1132148876786232},{"text":"Strategy recommendations.","start":416.00998,"end":416.83,"sentiment":"neutral","sentiment_score":-0.024751955643296242}],"sentiment":"neutral","sentiment_score":0.05885625241479526,"num_words":75,"start":387.115,"end":416.83},{"sentences":[{"text":"No worries at all.","start":422.65,"end":423.87,"sentiment":"neutral","sentiment_score":0.057617656886577606},{"text":"Cool.","start":426.65,"end":427.05,"sentiment":"neutral","sentiment_score":0.16748279333114624},{"text":"So, again, we're not changing funds.","start":427.05,"end":429.37,"sentiment":"neutral","sentiment_score":-0.02579210978001356},{"text":"We're doing a tune up of the options.","start":429.37,"end":431.31,"sentiment":"neutral","sentiment_score":-0.027352141682058573},{"text":"We're removing, obviously, the underperforming option in the Bennelong, a couple of other tweaks there.","start":432.135,"end":437.275,"sentiment":"neutral","sentiment_score":-0.08465110758940379}],"sentiment":"neutral","sentiment_score":-0.036628911326475,"num_words":34,"start":422.65,"end":437.275},{"sentences":[{"text":"Basically, what this is saying is that we're not projecting you out twenty six years to say whether you're track for retirement at this point.","start":437.415,"end":444.9,"sentiment":"neutral","sentiment_score":-0.01614277360960841},{"text":"Few too many variables to take into account, but we are doing that ten year projection just to see if we can get you in a better position, bit more towards funding that retirement goal.","start":445.13998,"end":454.6,"sentiment":"neutral","sentiment_score":0.0916785642504692},{"text":"If you go to the next one, so we've got table on 13 for advantages and disadvantages.","start":457.38,"end":462.715,"sentiment":"neutral","sentiment_score":0.05996722065131454},{"text":"It's under an outcomes heading.","start":467.335,"end":469.115,"sentiment":"neutral","sentiment_score":0.04017434567213059},{"text":"Cool.","start":471.255,"end":471.57,"sentiment":"positive","sentiment_score":0.4064042568206787}],"sentiment":"neutral","sentiment_score":0.053396375238311936,"num_words":83,"start":437.415,"end":471.57},{"sentences":[{"text":"The main disadvantage with all of our portfolios is because we use ETFs, there's brokerage fees to purchase them.","start":471.97,"end":478.93,"sentiment":"neutral","sentiment_score":-0.2791736745520642},{"text":"So once you've got them, you pay, like, a 0.11% to buy them.","start":478.93,"end":483.09,"sentiment":"neutral","sentiment_score":-0.1765118699807387},{"text":"Once you've got those investments, they're kind of like the lowest fee options going forward.","start":483.09,"end":487.345,"sentiment":"neutral","sentiment_score":-0.03500443175435066},{"text":"With the changes, we're basically gonna really lower the investment fees, fix up the performance a little bit, and there's gonna be a slight tweak asset allocation.","start":489.325,"end":498.70502,"sentiment":"neutral","sentiment_score":0.22847920407851538},{"text":"Whenever we change investments inside super, there is an element of capital gains tax under the hood for, like, an internal super tax rate.","start":499.78998,"end":508.93,"sentiment":"neutral","sentiment_score":0.04740833273778359}],"sentiment":"neutral","sentiment_score":-0.00833961333395267,"num_words":98,"start":471.97,"end":508.93},{"sentences":[{"text":"It's only $88 at the moment, and I'll factor that into projections as well.","start":508.99,"end":513.485,"sentiment":"neutral","sentiment_score":0.04202528311205762},{"text":"It's based on the performance of the investments.","start":524.93,"end":527.91003,"sentiment":"neutral","sentiment_score":0.004815378226339817},{"text":"So what'll happen is every tax inside super is just 15%.","start":528.37,"end":532.95,"sentiment":"neutral","sentiment_score":0.0024448162452741103},{"text":"If you get dividends inside super, they're 15%.","start":535.33,"end":538.13,"sentiment":"neutral","sentiment_score":0.06989147048443556},{"text":"If your shares fees grow, 15%.","start":538.13,"end":540.895,"sentiment":"neutral","sentiment_score":0.03289406312008699}],"sentiment":"neutral","sentiment_score":0.030005661929224398,"num_words":47,"start":508.99,"end":540.895},{"sentences":[{"text":"Cool.","start":543.355,"end":543.755,"sentiment":"neutral","sentiment_score":0.2019011676311493},{"text":"Once you're in pension phase, it's all tax free, which is lovely, but you have to wait until you're somewhere between 60 and 67.","start":543.755,"end":549.535,"sentiment":"neutral","sentiment_score":0.13347071766232452},{"text":"Cool.","start":551.115,"end":551.615,"sentiment":"neutral","sentiment_score":0.3289828598499298},{"text":"One of the cool things to do with Hub is because it's a wrap platform, it's just a fancy word for a very fully featured super fund.","start":551.915,"end":559.8,"sentiment":"positive","sentiment_score":0.34642288199177496},{"text":"It's got the most investment options, the most features.","start":559.8,"end":562.38,"sentiment":"neutral","sentiment_score":0.32512101862165665}],"sentiment":"neutral","sentiment_score":0.25828529407660805,"num_words":62,"start":543.355,"end":562.38},{"sentences":[{"text":"One of those is aggregated trading.","start":562.76,"end":565.42,"sentiment":"neutral","sentiment_score":0.2517891079187393},{"text":"So I can't quantify it for you, but what it basically means is when we buy and sell these options, if someone is selling the shares that you're buying, they will actually transfer them to you and switch the parcels without charging brokerage fees.","start":565.72,"end":580.915,"sentiment":"neutral","sentiment_score":0.18806492554193194},{"text":"Basically, just...","start":583.48,"end":583.95996,"sentiment":"neutral","sentiment_score":0.13449181616306305},{"text":"I've seen it minimize brokerage fees by 20 to 80%.","start":583.95996,"end":586.92,"sentiment":"neutral","sentiment_score":0.2753464043140411},{"text":"It's just a handy little feature that they've got.","start":586.92,"end":589.1,"sentiment":"positive","sentiment_score":0.5050432019763522}],"sentiment":"neutral","sentiment_score":0.2444144769663542,"num_words":71,"start":562.76,"end":589.1},{"sentences":[{"text":"Cool.","start":590.83997,"end":591.33997,"sentiment":"positive","sentiment_score":0.6008809804916382},{"text":"If you go down past there, so there's a number of warn Again, we can't control the weather in the markets, but we can pick the options for you.","start":591.48,"end":597.645,"sentiment":"neutral","sentiment_score":0.0737982957848701},{"text":"We've gone through a number of alternatives, but the main one, there's a fee comparison table on page 15.","start":597.965,"end":604.625,"sentiment":"neutral","sentiment_score":0.04966446100489089},{"text":"Cool.","start":607.72504,"end":608.125,"sentiment":"neutral","sentiment_score":0.18876203894615173},{"text":"Now can you see that right hand column?","start":608.125,"end":609.72504,"sentiment":"neutral","sentiment_score":0.05522901960648596}],"sentiment":"neutral","sentiment_score":0.07440087091627307,"num_words":58,"start":590.83997,"end":609.72504},{"sentences":[{"text":"There's a difference column.","start":609.72504,"end":610.945,"sentiment":"neutral","sentiment_score":0.01996700745075941},{"text":"So based on current balance, because remember, everything is percentage based.","start":612.77,"end":616.37,"sentiment":"neutral","sentiment_score":0.042760435830463066},{"text":"So the bigger the balance, the bigger the the figures go.","start":616.37,"end":619.03,"sentiment":"neutral","sentiment_score":0.08149297467686913},{"text":"80 $8 is the capital gain for switching the investments.","start":619.17,"end":622.55,"sentiment":"neutral","sentiment_score":0.18362644985318183},{"text":"Then we've got a $145 saved on the investment fees based on the current balance.","start":623.09,"end":628.795,"sentiment":"neutral","sentiment_score":0.2800710881749789}],"sentiment":"neutral","sentiment_score":0.14674483071647437,"num_words":51,"start":609.72504,"end":628.795},{"sentences":[{"text":"That'll just balloon out.","start":628.795,"end":630.175,"sentiment":"positive","sentiment_score":0.4430883228778839},{"text":"Basically, we're able to get the investment fees in half, which was pretty good.","start":630.875,"end":634.33496,"sentiment":"positive","sentiment_score":0.5671732063804354},{"text":"$12 more in adviser service fees, and that's purely because this projection factors in the growth for the year and the extra growth from the extra returns and the fee savings, which is down the bottom.","start":637.115,"end":649.87,"sentiment":"neutral","sentiment_score":0.30681726667616105},{"text":"So I would have mentioned to you during the review that you need to be aiming for, like, nine to 10% average for a high growth return after fees.","start":650.01,"end":658.775,"sentiment":"neutral","sentiment_score":0.18347634477861996},{"text":"You're sitting at just shy of nine.","start":659.075,"end":661.175,"sentiment":"positive","sentiment_score":0.34457639711243765}],"sentiment":"neutral","sentiment_score":0.316567206217183,"num_words":90,"start":628.795,"end":661.175},{"sentences":[{"text":"The average for new portfolio is more over 11, and that should get it nicely on track as well.","start":661.635,"end":667.335,"sentiment":"positive","sentiment_score":0.48139108639014394},{"text":"Cool.","start":669.235,"end":669.66,"sentiment":"neutral","sentiment_score":0.3043522238731384},{"text":"After that, so we've got a bit of an updated projection there.","start":670.06,"end":673.25995,"sentiment":"neutral","sentiment_score":0.18094518035650253},{"text":"So, again, based on current balance where you go from a 160,000 in ten years to a 195.","start":673.25995,"end":680.22,"sentiment":"neutral","sentiment_score":0.1424462277856138},{"text":"So let's say $30 with a grain of salt.","start":680.22,"end":683.025,"sentiment":"neutral","sentiment_score":0.05058550669087304}],"sentiment":"neutral","sentiment_score":0.24815977440547135,"num_words":59,"start":661.635,"end":683.025},{"sentences":[{"text":"But, again, that compounds more as you go up to the higher balances.","start":683.585,"end":687.205,"sentiment":"neutral","sentiment_score":0.07922806762731992},{"text":"The thing is just underneath that table, you can see that the returns from the current versus the new is we're just trying to keep it consistently double digit across all time frames.","start":689.745,"end":701.73,"sentiment":"neutral","sentiment_score":0.17630667307160117},{"text":"Cool.","start":701.75,"end":702.07,"sentiment":"positive","sentiment_score":0.3956716656684875},{"text":"Any questions on that so far?","start":702.07,"end":703.76996,"sentiment":"neutral","sentiment_score":0.19773022830486298},{"text":"Cool.","start":706.39,"end":706.79,"sentiment":"positive","sentiment_score":0.5921127796173096}],"sentiment":"neutral","sentiment_score":0.16707872047468467,"num_words":54,"start":683.585,"end":706.79},{"sentences":[{"text":"Now the next page, you should see an investments table with a blue bar and quite a lot of red and green figures in there, if you can make that out.","start":706.79,"end":713.865,"sentiment":"neutral","sentiment_score":0.14274723275053885},{"text":"Cool.","start":715.625,"end":716.105,"sentiment":"neutral","sentiment_score":0.2872565984725952},{"text":"So because of the way that one investment option been along was going down, I mentioned that the capital gains tax wasn't very much.","start":716.105,"end":723.545,"sentiment":"neutral","sentiment_score":0.014378538510451714},{"text":"So we are taking this opportunity to overhaul a lot of the options inside the portfolio to get them as up to date as we can.","start":723.545,"end":731.7,"sentiment":"neutral","sentiment_score":0.09388799994037701},{"text":"So everything that's in red is being sold down.","start":731.76,"end":734.34,"sentiment":"neutral","sentiment_score":-0.06243376061320305}],"sentiment":"neutral","sentiment_score":0.07622736143869357,"num_words":91,"start":706.79,"end":734.34},{"sentences":[{"text":"Some of them in the second last column you can see go to zero.","start":734.72003,"end":738.34,"sentiment":"neutral","sentiment_score":-0.026383139326104095},{"text":"Those ones are being removed.","start":738.48004,"end":739.86005,"sentiment":"neutral","sentiment_score":-0.12379391640424728},{"text":"The ones underneath that, once it hits the seven, six, 35%, they're staying, but we're just rebalancing them back to where they should be.","start":741.60004,"end":749.625,"sentiment":"neutral","sentiment_score":0.039376008013884224},{"text":"The green ones at the bottom, these are the new options that we're adding into the portfolio.","start":751.84503,"end":755.705,"sentiment":"neutral","sentiment_score":0.11281816924319547},{"text":"Cool.","start":760.19,"end":760.58997,"sentiment":"neutral","sentiment_score":0.2476178407669067}],"sentiment":"neutral","sentiment_score":0.034790448813897666,"num_words":61,"start":734.72003,"end":760.58997},{"sentences":[{"text":"So the main thing I need to point out here is that there's a few different countries and sectors now than what you had previously.","start":760.58997,"end":766.13,"sentiment":"neutral","sentiment_score":0.059598043635487555},{"text":"The Benelon option that was underperforming, that's been replaced for a lower fee in month.","start":767.14996,"end":772.965,"sentiment":"neutral","sentiment_score":0.0015907246929903825},{"text":"Lower fees, better performance.","start":773.445,"end":774.98505,"sentiment":"neutral","sentiment_score":0.08122666459530592},{"text":"There's also...","start":775.84503,"end":776.66504,"sentiment":"neutral","sentiment_score":0.018362265080213547},{"text":"Because you're in high growth, there is a small portion of your super and kind of safer assets like a term deposit, if that makes sense.","start":778.085,"end":784.66504,"sentiment":"neutral","sentiment_score":0.06408922660809296}],"sentiment":"neutral","sentiment_score":0.04919115335602934,"num_words":72,"start":760.58997,"end":784.66504},{"sentences":[{"text":"Those types of term deposits is actually being phased out by the government next year, and you had a really good return from that one.","start":786.45996,"end":792.94,"sentiment":"neutral","sentiment_score":0.17028322756290437},{"text":"So what I'm basically saying is we're gonna sell it while it's high before it kind of crashes next year and just switch it out to something else beforehand.","start":792.94,"end":803.205,"sentiment":"neutral","sentiment_score":-0.06977098080297482},{"text":"Cool.","start":803.42505,"end":803.92505,"sentiment":"neutral","sentiment_score":0.03457389399409294},{"text":"Last sort of table here, nineteen will have a pie chart, and it's got kind of all the colors of your asset classes on it.","start":804.385,"end":821.12,"sentiment":"neutral","sentiment_score":0.025033070258796215},{"text":"Yeah.","start":821.12,"end":821.36,"sentiment":"neutral","sentiment_score":0.009573283605277538}],"sentiment":"neutral","sentiment_score":0.03584810098587179,"num_words":81,"start":786.45996,"end":821.36},{"sentences":[{"text":"It's one of those interesting things where the...","start":821.36,"end":824.57996,"sentiment":"neutral","sentiment_score":0.0038120413664728403},{"text":"Think of international as US focused in one sense and then developing nations for another sense.","start":825.12,"end":832.735,"sentiment":"neutral","sentiment_score":-0.009163948940113187},{"text":"You know, second world trying to get up to first world type of nations.","start":833.515,"end":837.055,"sentiment":"neutral","sentiment_score":-0.03699333593249321},{"text":"Now what tends to happen is Australia has kind of been lagging behind the rest of the world in productivity and growth and things like that.","start":837.515,"end":845.3,"sentiment":"neutral","sentiment_score":-0.20967709531004614},{"text":"So, generally, yeah, it does for us.","start":845.52,"end":848.64,"sentiment":"neutral","sentiment_score":0.12074492140007871}],"sentiment":"neutral","sentiment_score":-0.07380878286514904,"num_words":71,"start":821.36,"end":848.64},{"sentences":[{"text":"So, generally speaking, the American shares perform better long term and also developing nations who are, you know, years getting manufacturing from China and they're growing and Mexico is growing and everyone's growing.","start":848.64,"end":859.77496,"sentiment":"neutral","sentiment_score":0.1794968412229509},{"text":"Even Argentina is growing, and we're kind of in like a...","start":859.83496,"end":863.13495,"sentiment":"neutral","sentiment_score":-0.00121433651921424},{"text":"What do they call it?","start":863.355,"end":864.315,"sentiment":"neutral","sentiment_score":-0.018712230399250983},{"text":"Close to stagflation where cost of everything is going up, but we're not growing.","start":864.315,"end":868.255,"sentiment":"neutral","sentiment_score":-0.09520040745181697},{"text":"So we are favoring pretty heavy towards the international side.","start":870.61,"end":873.91003,"sentiment":"neutral","sentiment_score":0.10292543917894363}],"sentiment":"neutral","sentiment_score":0.07551952868648996,"num_words":73,"start":848.64,"end":873.91003},{"sentences":[{"text":"It looks like one thing, but when you look at that investment table above, there's about five or six options split between different countries and sectors.","start":874.45,"end":882.23004,"sentiment":"neutral","sentiment_score":0.044741389055091604},{"text":"So I guess the buzzword there is it's well diversified to make sure it's not just reliant on just The US or just The UK.","start":884.085,"end":890.66504,"sentiment":"neutral","sentiment_score":0.03977034531533718},{"text":"Cool.","start":892.405,"end":892.905,"sentiment":"neutral","sentiment_score":0.2152240425348282},{"text":"Still some alternatives in there in terms of gold, little fixed interest in cash in there, which is, again, just a minimum 1.25% that we have to have with Hub.","start":893.205,"end":902.08,"sentiment":"neutral","sentiment_score":0.06939027967552344},{"text":"The last thing I'll point out on that table is the middle bar.","start":905.66,"end":909.5,"sentiment":"neutral","sentiment_score":0.06434848560736729}],"sentiment":"neutral","sentiment_score":0.055694710463285446,"num_words":95,"start":874.45,"end":909.5},{"sentences":[{"text":"There's a growth total in gray, and it basically says 90%, 92, 93.","start":909.5,"end":915.045,"sentiment":"neutral","sentiment_score":0.053590184794022486},{"text":"And, essentially, high growth, you sit between 90 to a 100% growth assets.","start":915.285,"end":920.08496,"sentiment":"neutral","sentiment_score":0.11664310900064614},{"text":"You're sitting at 92.","start":920.08496,"end":921.20496,"sentiment":"neutral","sentiment_score":0.1262032575905323},{"text":"When we rebalance, you'll be sitting at just shy of four.","start":921.20496,"end":924.345,"sentiment":"neutral","sentiment_score":0.09250792860984802},{"text":"Well, it basically means that you're almost fully invested in shares property goal, high risk, high return assets.","start":928.40497,"end":935.3,"sentiment":"neutral","sentiment_score":0.26847941883736187}],"sentiment":"neutral","sentiment_score":0.14522140005887565,"num_words":59,"start":909.5,"end":935.3},{"sentences":[{"text":"So over 10 you're gonna get these really nice returns, goes up and down like a roller coaster every year.","start":935.6,"end":941.77997,"sentiment":"neutral","sentiment_score":0.3218916155397892},{"text":"When you're closer to retirement, we pair that back down again.","start":942.805,"end":946.90497,"sentiment":"neutral","sentiment_score":-0.000019194727594202217},{"text":"So let's say you're ten years off from retirement, we'll go, oh, you're sitting at 90%.","start":947.045,"end":953.14496,"sentiment":"neutral","sentiment_score":0.24001544993370771},{"text":"At least we think you should now go to eighty, seventy, sixty, fifty, forty, and there you are, your 65, nice, safe pension account.","start":953.685,"end":961.27997,"sentiment":"positive","sentiment_score":0.40110432418684167},{"text":"Cool.","start":963.25995,"end":963.75995,"sentiment":"positive","sentiment_score":0.4237437546253204}],"sentiment":"neutral","sentiment_score":0.28233494309501517,"num_words":72,"start":935.6,"end":963.75995},{"sentences":[{"text":"Please just bear in mind the ETFs I mentioned earlier, these different options just follow those markets.","start":963.81995,"end":970.07996,"sentiment":"neutral","sentiment_score":0.1883795901256449},{"text":"So if the entire world explodes, your super is gonna dive with it.","start":970.285,"end":973.825,"sentiment":"positive","sentiment_score":0.3605396140080232},{"text":"Your contributions are gonna go in and buy all these shares for a cheaper price.","start":973.885,"end":977.565,"sentiment":"positive","sentiment_score":0.4130589405695597},{"text":"And then when the world covers for five years, you'll get these big returns on the way up again.","start":977.565,"end":981.745,"sentiment":"positive","sentiment_score":0.45288767940119695},{"text":"Any questions on that?","start":984.93,"end":986.14996,"sentiment":"neutral","sentiment_score":0.04923469852656126}],"sentiment":"positive","sentiment_score":0.33657583566930366,"num_words":68,"start":963.81995,"end":986.14996},{"sentences":[{"text":"Besides, no, I don't have a crystal ball.","start":990.85,"end":992.61,"sentiment":"neutral","sentiment_score":-0.14914894057437778},{"text":"I don't know when the world's gonna explode next.","start":992.61,"end":994.76996,"sentiment":"neutral","sentiment_score":-0.09805339160892698},{"text":"It's already happened twice this year, probably once before Christmas and maybe once in the New Year.","start":994.76996,"end":999.375,"sentiment":"neutral","sentiment_score":0.011534356238210903},{"text":"But I guess the reassuring thing I can say is that every five years something happens, and we can still get some good growth over 10/20, thirty, forty, fifty years.","start":1000.335,"end":1009.875,"sentiment":"positive","sentiment_score":0.3750458883742491},{"text":"We can't not invest you to get you up to where you need to be, But part of that is if you watch your super every day, whenever there's a news article, it's gonna follow the news.","start":1010.655,"end":1020.53,"sentiment":"neutral","sentiment_score":0.1988410281168448}],"sentiment":"neutral","sentiment_score":0.16563273958935595,"num_words":101,"start":990.85,"end":1020.53},{"sentences":[{"text":"Cool.","start":1022.91,"end":1023.41,"sentiment":"positive","sentiment_score":0.5354454517364502},{"text":"The rest of that document is pretty much just a reminder for the beneficiaries and the state planning side of things.","start":1023.55,"end":1028.37,"sentiment":"positive","sentiment_score":0.37608141066240414},{"text":"I'm not sure if you did actually fill in the forms that we sent through to get your spouse listed on Hub and Clearview, but if not, we've got That's okay.","start":1028.83,"end":1045.05,"sentiment":"neutral","sentiment_score":-0.17587130300460324},{"text":"That's okay.","start":1053.53,"end":1054.0901,"sentiment":"neutral","sentiment_score":-0.08294900692999363},{"text":"I've got fresh ones coming out to you.","start":1054.0901,"end":1056.1101,"sentiment":"neutral","sentiment_score":-0.05959053337574005}],"sentiment":"neutral","sentiment_score":0.0371194032006084,"num_words":63,"start":1022.91,"end":1056.1101},{"sentences":[{"text":"Sometimes the providers update them, and if you fill out an old one, I should reject it, and it's not very fun.","start":1056.3301,"end":1065.185,"sentiment":"neutral","sentiment_score":-0.22815310142256998},{"text":"Cool.","start":1065.185,"end":1065.425,"sentiment":"positive","sentiment_score":0.4150618314743042},{"text":"So we just got spouse listed on those, a 100% binding legally, non lapsing so they don't expire, and we'll get those updated too.","start":1065.425,"end":1074.165,"sentiment":"neutral","sentiment_score":0.2326586525887251},{"text":"Actually, one thing I will cap off with before I let you go.","start":1076.02,"end":1079.22,"sentiment":"neutral","sentiment_score":0.054123338168630235},{"text":"So if you scroll all the way past here, you'll see wills and powers of attorney, and I'm I'm going right down to the pages in the thirties now.","start":1079.22,"end":1086.92,"sentiment":"neutral","sentiment_score":0.02448582462966442}],"sentiment":"neutral","sentiment_score":0.026889815424265485,"num_words":89,"start":1056.3301,"end":1086.92},{"sentences":[{"text":"So can you see on page 20 nine, just before that, there's an ongoing remuneration table.","start":1087.875,"end":1101.47,"sentiment":"neutral","sentiment_score":0.0013951609726063907},{"text":"So one thing that I'm I'm gonna kind of send out to you, I do need to explain it in three ways, unfortunately, just because there's been a few changes, is you're currently under a service agreement with us.","start":1103.2899,"end":1114.575,"sentiment":"neutral","sentiment_score":-0.0489224526935663},{"text":"We charge 1.65% per annum spread throughout the year.","start":1114.975,"end":1119.1549,"sentiment":"neutral","sentiment_score":-0.010065427670876185},{"text":"Now with the new structure that we've got, we've brought in a tiered fee structure, which essentially means that when people get to 200,000, 500,000, and a million, there's lower percentage discounts that get applied to the balance.","start":1119.5349,"end":1134.33,"sentiment":"neutral","sentiment_score":0.03246694543447934},{"text":"So when you get to 200,000, that will kick in.","start":1135.99,"end":1138.73,"sentiment":"neutral","sentiment_score":0.09358658418059349}],"sentiment":"neutral","sentiment_score":0.0017264985695614346,"num_words":112,"start":1087.875,"end":1138.73},{"sentences":[{"text":"In the interim, we're offering sort of like a couple's discount of 1.1%.","start":1138.95,"end":1145.115,"sentiment":"neutral","sentiment_score":0.15778419088858825},{"text":"I believe you're still with Emma, is it?","start":1147.275,"end":1150.415,"sentiment":"neutral","sentiment_score":0.18706434033811092},{"text":"Yep.","start":1151.755,"end":1152.155,"sentiment":"neutral","sentiment_score":0.31932300329208374},{"text":"So what I would do is if you're comfortable, we'll kind of set this as the plan going forward.","start":1152.155,"end":1157.535,"sentiment":"positive","sentiment_score":0.3733444684430173},{"text":"I can send you out an updated consent form for the discount for twelve months from one point six five to 1.1.","start":1157.595,"end":1164.74,"sentiment":"neutral","sentiment_score":0.23801297626712106}],"sentiment":"neutral","sentiment_score":0.25709305691813666,"num_words":63,"start":1138.95,"end":1164.74},{"sentences":[{"text":"And then in twelve months' time, this one will be onto that new tiered structure as a couple.","start":1164.8,"end":1170.3401,"sentiment":"neutral","sentiment_score":0.19529843827088675},{"text":"Cool.","start":1175.7849,"end":1176.1849,"sentiment":"positive","sentiment_score":0.4511970281600952},{"text":"So, again, I guess the way I would explain it is discount now for twelve months, and then it gets structured together so that as your balances grow as a couple, it'll be a little bit different then.","start":1176.1849,"end":1191.83,"sentiment":"neutral","sentiment_score":0.29307332213379833},{"text":"Yeah.","start":1191.83,"end":1192.15,"sentiment":"neutral","sentiment_score":0.11628450453281404},{"text":"100%.","start":1192.15,"end":1192.97,"sentiment":"neutral","sentiment_score":0.14134922623634338}],"sentiment":"neutral","sentiment_score":0.2603557438794839,"num_words":59,"start":1164.8,"end":1192.97},{"sentences":[{"text":"One of the things that I've got in line for you down the line is that once your balance is a bit higher, we can do, like, a family fee linking inside Hub.","start":1193.19,"end":1200.615,"sentiment":"neutral","sentiment_score":0.18237796967679804},{"text":"They will actually count your balances as the same when they calculate fees, but not pull them together.","start":1200.855,"end":1207.995,"sentiment":"neutral","sentiment_score":0.10417708278530174},{"text":"But it's not really...","start":1210.0549,"end":1211.275,"sentiment":"neutral","sentiment_score":-0.07621967606246471},{"text":"There's no point doing it right now.","start":1211.335,"end":1212.775,"sentiment":"negative","sentiment_score":-0.3426054205213274},{"text":"It's more for, like, if you hit, I think their tiers are 250,000 above.","start":1212.775,"end":1217.83,"sentiment":"neutral","sentiment_score":-0.03788912908307144}],"sentiment":"neutral","sentiment_score":0.061317053084310735,"num_words":76,"start":1193.19,"end":1217.83},{"sentences":[{"text":"Yeah.","start":1220.37,"end":1220.87,"sentiment":"neutral","sentiment_score":0.03528095781803131},{"text":"No.","start":1222.37,"end":1222.61,"sentiment":"neutral","sentiment_score":-0.12860064208507538},{"text":"No.","start":1222.61,"end":1222.85,"sentiment":"neutral","sentiment_score":-0.13839226961135864},{"text":"We'll...","start":1222.85,"end":1223.25,"sentiment":"neutral","sentiment_score":-0.09410374611616136},{"text":"Again, high growth and everything.","start":1223.25,"end":1224.85,"sentiment":"neutral","sentiment_score":0.03484324440360069}],"sentiment":"neutral","sentiment_score":-0.016844386441840067,"num_words":9,"start":1220.37,"end":1224.85},{"sentences":[{"text":"We'll get you up there as quick as we can.","start":1224.85,"end":1226.625,"sentiment":"neutral","sentiment_score":0.21141592115163804},{"text":"But, basically, what I wanna do is just supply as many fee reductions as I can between Oakview, the super funds, the investment options, everything combined, every dollar has.","start":1227.585,"end":1236.565,"sentiment":"neutral","sentiment_score":0.20809395765436106},{"text":"Cool.","start":1239.025,"end":1239.42,"sentiment":"neutral","sentiment_score":0.2531379759311676},{"text":"So, basically, if you're comfortable with this plan, we'd sign off on this one.","start":1239.8201,"end":1243.92,"sentiment":"neutral","sentiment_score":0.17374674204204762},{"text":"That'll come back to us, and we will do the investment switches.","start":1243.9801,"end":1247.12,"sentiment":"neutral","sentiment_score":0.20431289449334145}],"sentiment":"neutral","sentiment_score":0.20130653154443612,"num_words":66,"start":1224.85,"end":1247.12},{"sentences":[{"text":"Generally, on a Friday, we'll do the trade.","start":1247.66,"end":1250.16,"sentiment":"neutral","sentiment_score":0.15881204046308994},{"text":"I would then book in for a review in twelve months' time.","start":1250.9401,"end":1254.585,"sentiment":"neutral","sentiment_score":0.13632847058276334},{"text":"Do you want me to book anything else in in between then?","start":1254.585,"end":1257.645,"sentiment":"neutral","sentiment_score":0.07247214702268441},{"text":"Any kind of quarterly catch ups or anything that you might need?","start":1257.945,"end":1261.085,"sentiment":"neutral","sentiment_score":0.038814419570068516},{"text":"Yeah.","start":1280.76,"end":1281.0,"sentiment":"neutral","sentiment_score":0.2972272038459778}],"sentiment":"neutral","sentiment_score":0.10086897719237539,"num_words":45,"start":1247.66,"end":1281.0},{"sentences":[{"text":"Cool.","start":1281.0,"end":1281.24,"sentiment":"positive","sentiment_score":0.5564860105514526},{"text":"And even if it's just, you know, send a report and a quick catch up and nothing's changed, that's great.","start":1281.24,"end":1285.335,"sentiment":"positive","sentiment_score":0.4891740694642067},{"text":"If there are major changes, we can jump on it nice and early.","start":1285.575,"end":1288.475,"sentiment":"positive","sentiment_score":0.42753739998890805},{"text":"Cool.","start":1290.375,"end":1290.875,"sentiment":"neutral","sentiment_score":0.29601383209228516},{"text":"Like, do you have any questions for me before I let you go?","start":1291.255,"end":1293.9149,"sentiment":"neutral","sentiment_score":0.1454804906478295}],"sentiment":"positive","sentiment_score":0.37677528771261376,"num_words":48,"start":1281.0,"end":1293.9149},{"sentences":[{"text":"Yeah.","start":1301.86,"end":1302.1799,"sentiment":"neutral","sentiment_score":0.06859316676855087},{"text":"So if you're comfortable with the investment, get you to sign this one.","start":1302.1799,"end":1305.22,"sentiment":"neutral","sentiment_score":0.1203877771129975},{"text":"And then separately, I'm gonna get the team to send out that discounted fee form as well.","start":1305.22,"end":1310.12,"sentiment":"neutral","sentiment_score":0.11311368293621961},{"text":"Cool.","start":1311.94,"end":1312.305,"sentiment":"positive","sentiment_score":0.4356717467308045},{"text":"It'll just be two emails coming out to you today.","start":1312.385,"end":1314.385,"sentiment":"neutral","sentiment_score":0.2993655472993851}],"sentiment":"neutral","sentiment_score":0.1663308118780454,"num_words":42,"start":1301.86,"end":1314.385},{"sentences":[{"text":"This one and then one more in and out too.","start":1314.385,"end":1317.285,"sentiment":"neutral","sentiment_score":0.1620817482471466},{"text":"Oh, the beneficiaries?","start":1322.785,"end":1323.6051,"sentiment":"neutral","sentiment_score":0.035645378132661186},{"text":"Yeah.","start":1325.57,"end":1325.73,"sentiment":"neutral","sentiment_score":0.07194150984287262},{"text":"Yep.","start":1325.73,"end":1325.97,"sentiment":"neutral","sentiment_score":0.07869954407215118},{"text":"I'll get them...","start":1325.97,"end":1326.77,"sentiment":"neutral","sentiment_score":0.04577533776561419}],"sentiment":"neutral","sentiment_score":0.111984482448962,"num_words":18,"start":1314.385,"end":1326.77},{"sentences":[{"text":"Would you prefer them kind of emailed so you can print them and scan back, or should we just post them out with some envelopes?","start":1326.77,"end":1333.19,"sentiment":"neutral","sentiment_score":0.0639930520951748},{"text":"Fantastic.","start":1341.045,"end":1341.525,"sentiment":"positive","sentiment_score":0.6014502048492432},{"text":"Alright.","start":1341.525,"end":1341.8451,"sentiment":"positive","sentiment_score":0.4103496968746186},{"text":"I'll get them posted out.","start":1341.8451,"end":1342.805,"sentiment":"positive","sentiment_score":0.3873123288154602},{"text":"No worries at all.","start":1342.805,"end":1343.8651,"sentiment":"neutral","sentiment_score":0.30524182319641113}],"sentiment":"neutral","sentiment_score":0.1602543094712827,"num_words":36,"start":1326.77,"end":1343.8651},{"sentences":[{"text":"Beautiful.","start":1349.765,"end":1350.265,"sentiment":"positive","sentiment_score":0.7673878073692322},{"text":"Thank you so much for your time, Lee.","start":1350.3251,"end":1352.005,"sentiment":"positive","sentiment_score":0.7693811431527138},{"text":"It's been an absolute pleasure.","start":1352.005,"end":1353.3,"sentiment":"neutral","sentiment_score":0.20743417739868164},{"text":"I will schedule in.","start":1354.26,"end":1355.4601,"sentiment":"neutral","sentiment_score":0.22347695752978325},{"text":"Let's just have a look October, November, December.","start":1355.4601,"end":1357.8,"sentiment":"neutral","sentiment_score":0.11221615690737963}],"sentiment":"positive","sentiment_score":0.37504788172932774,"num_words":26,"start":1349.765,"end":1357.8},{"sentences":[{"text":"So, basically, we kind of shut, like, mid December, late December.","start":1358.02,"end":1362.52,"sentiment":"neutral","sentiment_score":0.021253803236918015},{"text":"I'll punch in for a bit of a catch up in that first week there just to touch base before Christmas.","start":1363.14,"end":1367.925,"sentiment":"neutral","sentiment_score":0.13935279562359765},{"text":"Awesome, mate.","start":1370.245,"end":1370.885,"sentiment":"positive","sentiment_score":0.8056125640869141},{"text":"Have a fantastic day, and thank you for your time.","start":1370.885,"end":1373.0651,"sentiment":"positive","sentiment_score":0.8145269572734832},{"text":"Cheers.","start":1375.125,"end":1375.525,"sentiment":"positive","sentiment_score":0.5731168389320374}],"sentiment":"neutral","sentiment_score":0.2997736018564966,"num_words":45,"start":1358.02,"end":1375.525},{"sentences":[{"text":"Bye.","start":1375.525,"end":1376.025,"sentiment":"neutral","sentiment_score":0.2917064130306244}],"sentiment":"neutral","sentiment_score":0.2917064130306244,"num_words":1,"start":1375.525,"end":1376.025}]}}]},{"alternatives":[{"transcript":"Hello? Good, mate. How are you? Yeah. It's not hot, but it's it's definitely not cold. It's sort of a nice humid temperature with a lot of wind, unfortunately. Well, it's scheduled to rain tomorrow about 30 mil, so that will soon go downhill. That's it. Yep. And I should be able to have access. Let me just bring up my. Yeah. Of course. No problem at all. Yeah. So date of birth is 06/08/1995, and the address is 39 Dash 41 Falkingham, F A L K I N G H A M, Road, Mount Evelyn 3796. Of course. Yep. Mhmm. Yep. Yep. That I can do. Cooper, come on. Inside. Stubborn bloody dog. Yep. That's it there. Yep. That makes sense. Yeah. Yeah. It does. Yep. Yep. Yep. No problem. Yep. That is good to know. Unfortunately, we're in a fixed plan with Macquarie for the next, I think, year or two. So at the moment, we can't really change anything. 100 percent. Hopefully, but... I mean, it's unlikely at this stage. No. It's not. Yep. Yep. So the income has changed to 70? More just a pay rise to work. No. Not not... Oh, sorry. Now let me scroll down. I'm scrolling all the way down. That's stupid. Mortgage. Owing. $5.30. I can tell you what it is. Mortgage owing. Log in. Oh, yeah. It hasn't really changed. I mean, it's gone down to $5,521,000. Yeah. Yeah. Gotcha. It's a pop from that. Yep. Yep. That's my ones. High gross risk. Is that the portfolio part or the where the hell have I gone? Sorry. I'm I'm at I'm at page nine at the moment. Yep. Yep. Awesome. Sorry. I've just changed the... That's why I changed my computer because it was easier. Strategy. Alright. Strategy recommendations. Yep. Yep. Yep. Gotcha. Awesome. Yep. Oh, yeah. Got it. Yep. Okay. No problem. Okay. Yep. Yep. Awesome. Is that is that some... I'm probably... Oh, look. I don't really have my head around capital gains tax, but is that something that is more than likely bound to go up. Gotcha. Okay. Yeah. Gotcha. Okay. Yep. No. That makes sense. Gotcha. Yep. Okay. No worries. Alright. Awesome. Yep. It's a parasite. Yep. Yep. Yep. That's awesome. Yep. Yep. Cool. No problem. Yep. Yep. That makes sense. Yep. No problem. No. So far, it looks pretty good. Yep. Yep. Yep. Yep. Yep. Gotcha. No worries. Awesome. No problem. Yep. Yep. Yeah. That makes sense. Alright. No worries. No worries. So is there just more more sort of growth overseas than there is in Australia? Yep. Yep. Sounds about rough. Yep. Yep. Yep. No. That makes sense. Yep. Yep. Yep. Okay. No problem. Alright. No problem. Yep. Yep. Is that good or is that bad? Gotcha. Alright. No worries. Yep. Alright. No worries. No. Not not so far now. Yep. Mhmm. Gotcha. No problem. I actually I actually have not done that. And I know that's a huge thing that I need to do. I just... I know I need a I I need a witness to sign that, and I haven't gotten around to that. But I I actually don't know where I put the form... The the forms. Awesome. No problem at all. Yep. Yep. Awesome. Yep. Three page 30. Where am I? Outcomes. Oh, ongoing services. Oh, yep. Well, I've... I've already participated. Yep. Yep. Okay. Yep. K. Okay. Yep. Okay. Alright. Yes. Yeah. Mhmm. Okay. Yeah. Look. I mean, I'd actually say why not? Yep. Gotcha. But we will still have our separate supers. Is that still the case? Okay. Yep. Okay. Cool. No worries. Oh, yeah. This is her. Yep. Yep. Okay. No worries. I don't think I'll... So, yeah, maybe a quarterly catch up might be a good idea. I'm sort of trying to be on top of everything a bit more now, but... Well, I don't think it really matters, to be honest with you. But, yeah, look. If we can do a quarterly catch up, that'd be good. Yep. No worries. No. I think you're all good. I'm assuming... Sorry. Did you need me to sign all this? Yep. Yep. No worries. I'll do that. K. Is it also possible to get the, what are the other forms called? That's the ones. I have to post them out with some onboard, so that's fine. I'll I'll fill them out, get a witness to sign them, and then send them back. Awesome. Fantastic. 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Good, mate. How are you? Yeah. It's not hot, but it's it's definitely not cold.\n\nIt's sort of a nice humid temperature with a lot of wind, unfortunately. Well, it's scheduled to rain tomorrow about 30 mil, so that will soon go downhill. That's it. Yep. And I should be able to have access.\n\nLet me just bring up my. Yeah. Of course. No problem at all. Yeah.\n\nSo date of birth is 06/08/1995, and the address is 39 Dash 41 Falkingham, F A L K I N G H A M, Road, Mount Evelyn 3796. Of course. Yep. Mhmm. Yep.\n\nYep. That I can do. Cooper, come on. Inside. Stubborn bloody dog.\n\nYep. That's it there. Yep. That makes sense. Yeah.\n\nYeah. It does. Yep. Yep. Yep.\n\nNo problem. Yep. That is good to know. Unfortunately, we're in a fixed plan with Macquarie for the next, I think, year or two. So at the moment, we can't really change anything.\n\n100 percent. Hopefully, but... I mean, it's unlikely at this stage. No. It's not.\n\nYep. Yep. So the income has changed to 70? More just a pay rise to work. No.\n\nNot not... Oh, sorry. Now let me scroll down. I'm scrolling all the way down. That's stupid.\n\nMortgage. Owing. $5.30. I can tell you what it is. Mortgage owing.\n\nLog in. Oh, yeah. It hasn't really changed. I mean, it's gone down to $5,521,000. Yeah.\n\nYeah. Gotcha. It's a pop from that. Yep. Yep.\n\nThat's my ones. High gross risk. Is that the portfolio part or the where the hell have I gone? Sorry. I'm I'm at I'm at page nine at the moment.\n\nYep. Yep. Awesome. Sorry. I've just changed the...\n\nThat's why I changed my computer because it was easier. Strategy. Alright. Strategy recommendations. Yep.\n\nYep. Yep. Gotcha. Awesome. Yep.\n\nOh, yeah. Got it. Yep. Okay. No problem.\n\nOkay. Yep. Yep. Awesome. Is that is that some...\n\nI'm probably... Oh, look. I don't really have my head around capital gains tax, but is that something that is more than likely bound to go up. Gotcha. Okay.\n\nYeah. Gotcha. Okay. Yep. No.\n\nThat makes sense. Gotcha. Yep. Okay. No worries.\n\nAlright. Awesome. Yep. It's a parasite. Yep.\n\nYep. Yep. That's awesome. Yep. Yep.\n\nCool. No problem. Yep. Yep. That makes sense.\n\nYep. No problem. No. So far, it looks pretty good. Yep.\n\nYep. Yep. Yep. Yep. Gotcha.\n\nNo worries. Awesome. No problem. Yep. Yep.\n\nYeah. That makes sense. Alright. No worries. No worries.\n\nSo is there just more more sort of growth overseas than there is in Australia? Yep. Yep. Sounds about rough. Yep.\n\nYep. Yep. No. That makes sense. Yep.\n\nYep. Yep. Okay. No problem. Alright.\n\nNo problem. Yep. Yep. Is that good or is that bad? Gotcha.\n\nAlright. No worries. Yep. Alright. No worries.\n\nNo. Not not so far now. Yep. Mhmm. Gotcha.\n\nNo problem. I actually I actually have not done that. And I know that's a huge thing that I need to do. I just... I know I need a I I need a witness to sign that, and I haven't gotten around to that.\n\nBut I I actually don't know where I put the form... The the forms. Awesome. No problem at all. Yep.\n\nYep. Awesome. Yep. Three page 30. Where am I?\n\nOutcomes. Oh, ongoing services. Oh, yep. Well, I've... I've already participated.\n\nYep. Yep. Okay. Yep. K.\n\nOkay. Yep. Okay. Alright. Yes.\n\nYeah. Mhmm. Okay. Yeah. Look.\n\nI mean, I'd actually say why not? Yep. Gotcha. But we will still have our separate supers. Is that still the case?\n\nOkay. Yep. Okay. Cool. No worries.\n\nOh, yeah. This is her. Yep. Yep. Okay.\n\nNo worries. I don't think I'll... So, yeah, maybe a quarterly catch up might be a good idea. I'm sort of trying to be on top of everything a bit more now, but... Well, I don't think it really matters, to be honest with you.\n\nBut, yeah, look. If we can do a quarterly catch up, that'd be good. Yep. No worries. No.\n\nI think you're all good. I'm assuming... Sorry. Did you need me to sign all this? Yep.\n\nYep. No worries. I'll do that. K. Is it also possible to get the, what are the other forms called?\n\nThat's the ones. I have to post them out with some onboard, so that's fine. I'll I'll fill them out, get a witness to sign them, and then send them back. Awesome. Fantastic.\n\nI will sign this one, and pretty much we're good to go. No. Thank you. Yep. Yep.\n\nNo problem at all. Same to you. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.96,"end":1.46,"sentiment":"neutral","sentiment_score":0.061042483896017075},{"text":"Good, mate.","start":6.24,"end":6.7999997,"sentiment":"positive","sentiment_score":0.5501281917095184},{"text":"How are you?","start":6.7999997,"end":7.62,"sentiment":"positive","sentiment_score":0.369604895512263},{"text":"Yeah.","start":11.36,"end":11.759999,"sentiment":"neutral","sentiment_score":0.03927754610776901},{"text":"It's not hot, but it's it's definitely not cold.","start":11.759999,"end":15.945,"sentiment":"neutral","sentiment_score":-0.11258247701658143}],"sentiment":"neutral","sentiment_score":0.08100930042564869,"num_words":16,"start":0.96,"end":15.945},{"sentences":[{"text":"It's sort of a nice humid temperature with a lot of wind, unfortunately.","start":15.945,"end":19.965,"sentiment":"neutral","sentiment_score":0.028822867629619744},{"text":"Well, it's scheduled to rain tomorrow about 30 mil, so that will soon go downhill.","start":27.460001,"end":31.400002,"sentiment":"neutral","sentiment_score":-0.11874520728985469},{"text":"That's it.","start":35.46,"end":36.2,"sentiment":"neutral","sentiment_score":0.16849560290575027},{"text":"Yep.","start":41.085003,"end":41.585003,"sentiment":"neutral","sentiment_score":0.09416051208972932},{"text":"And I should be able to have access.","start":48.525,"end":50.545002,"sentiment":"neutral","sentiment_score":0.10533748753368855}],"sentiment":"neutral","sentiment_score":-0.003400749025436548,"num_words":39,"start":15.945,"end":50.545002},{"sentences":[{"text":"Let me just bring up my.","start":52.045002,"end":53.585,"sentiment":"neutral","sentiment_score":0.0819536354392767},{"text":"Yeah.","start":59.25,"end":59.49,"sentiment":"neutral","sentiment_score":0.04900722950696945},{"text":"Of course.","start":59.49,"end":60.15,"sentiment":"neutral","sentiment_score":0.05061724781990051},{"text":"No problem at 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problem.","start":211.725,"end":212.38501,"sentiment":"neutral","sentiment_score":0.029715582728385925},{"text":"Yep.","start":223.96501,"end":224.46501,"sentiment":"neutral","sentiment_score":0.09677698463201524},{"text":"That is good to know.","start":231.20001,"end":232.64,"sentiment":"positive","sentiment_score":0.552573823928833},{"text":"Unfortunately, we're in a fixed plan with Macquarie for the next, I think, year or two.","start":232.64,"end":238.40001,"sentiment":"negative","sentiment_score":-0.40957364439964294},{"text":"So at the moment, we can't really change anything.","start":238.40001,"end":240.5,"sentiment":"neutral","sentiment_score":-0.16436758306291369}],"sentiment":"neutral","sentiment_score":-0.1549517966129563,"num_words":33,"start":211.725,"end":240.5},{"sentences":[{"text":"100 percent.","start":245.485,"end":246.305,"sentiment":"neutral","sentiment_score":-0.2344702035188675},{"text":"Hopefully, but...","start":251.56499,"end":252.44499,"sentiment":"negative","sentiment_score":-0.33439069986343384},{"text":"I mean, it's unlikely at this stage.","start":252.44499,"end":254.305,"sentiment":"negative","sentiment_score":-0.4841551440102713},{"text":"No.","start":262.58,"end":262.9,"sentiment":"negative","sentiment_score":-0.33689171075820923},{"text":"It's not.","start":262.9,"end":263.56,"sentiment":"neutral","sentiment_score":-0.2824234366416931}],"sentiment":"negative","sentiment_score":-0.3877533142055784,"num_words":14,"start":245.485,"end":263.56},{"sentences":[{"text":"Yep.","start":275.875,"end":276.375,"sentiment":"neutral","sentiment_score":-0.020093388855457302},{"text":"Yep.","start":281.875,"end":282.375,"sentiment":"neutral","sentiment_score":0.020130913704633713},{"text":"So the income has changed to 70?","start":295.5,"end":298.08,"sentiment":"neutral","sentiment_score":0.006833942207906928},{"text":"More just a pay rise to 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stupid.","start":323.25,"end":323.99,"sentiment":"negative","sentiment_score":-0.44089728593826294}],"sentiment":"neutral","sentiment_score":-0.1329332445474232,"num_words":17,"start":319.16998,"end":323.99},{"sentences":[{"text":"Mortgage.","start":325.81,"end":326.31,"sentiment":"neutral","sentiment_score":-0.01548310834914446},{"text":"Owing.","start":329.965,"end":330.465,"sentiment":"neutral","sentiment_score":-0.0045975856482982635},{"text":"$5.30.","start":330.605,"end":331.405,"sentiment":"neutral","sentiment_score":-0.002126903273165226},{"text":"I can tell you what it is.","start":331.405,"end":333.345,"sentiment":"neutral","sentiment_score":0.0019855515233107974},{"text":"Mortgage owing.","start":335.245,"end":336.225,"sentiment":"neutral","sentiment_score":-0.01908041164278984}],"sentiment":"neutral","sentiment_score":-0.0038724633244176707,"num_words":12,"start":325.81,"end":336.225},{"sentences":[{"text":"Log 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you.","start":1374.005,"end":1374.745,"sentiment":"positive","sentiment_score":0.6496652364730835},{"text":"Bye.","start":1376.485,"end":1376.985,"sentiment":"neutral","sentiment_score":-0.110590822994709}],"sentiment":"positive","sentiment_score":0.4423294298350811,"num_words":10,"start":1368.725,"end":1376.985}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon, Leith. It's Tommy here from Oakview Financial, mate. How are you doing?\n\nChannel 1: Good, mate. How are you?\n\nChannel 0: I'm living the dream. It's a beautiful day on the Gold Coast. What about your end?\n\nChannel 1: Yeah. It's not hot, but it's it's definitely not cold. It's sort of a nice humid temperature with a lot of wind, unfortunately.\n\nChannel 0: A humid middle ground. I know Victoria can tend to sort of bounce them down on a daily basis, so it's nice that it's in the middle for once.\n\nChannel 1: Well, it's scheduled to rain tomorrow about 30 mil, so that will soon go downhill.\n\nChannel 0: Yep. Yep. So enjoy it while you can kind of thing.\n\nChannel 1: That's it.\n\nChannel 0: So, mate, I've got you booked in to go through this updated advice strategy.\n\nChannel 1: Yep.\n\nChannel 0: I'm just wondering if you've got access to look onto the email with me today, or should I just kind of walk you through what I'm sending?\n\nChannel 1: And I should be able to have access.\n\nChannel 0: Cool.\n\nChannel 1: Let me just bring up\n\nChannel 0: There\n\nChannel 1: my.\n\nChannel 0: is a few attachments, so I am gonna just pop it through now just so it takes a minute to get through. And\n\nChannel 1: Yeah. Of course.\n\nChannel 0: just while I'm doing that, I'm just gonna go through a quick security check with you.\n\nChannel 1: No problem at all.\n\nChannel 0: Right. So for myself, I'm registered with Asica's adviser 1 273105. Could I please confirm your date of birth and address that we would have on file?\n\nChannel 1: Yeah. So date of birth is 06/08/1995, and the address is 39 Dash 41 Falkingham, F A L K I N G H A M, Road, Mount Evelyn 3796.\n\nChannel 0: Perfect. Thank you so much for that. Are you okay for the call to be recorded?\n\nChannel 1: Of course.\n\nChannel 0: Perfect. Now I believe you have used our new system before, so it should go through pretty quickly to your main inbox. Sometimes\n\nChannel 1: Yep.\n\nChannel 0: it does go to spam, but if you've used it before, it should go through there. I have added a number of attachments, which is\n\nChannel 1: Mhmm.\n\nChannel 0: essentially our updated service guides for Oakview, some product disclosure documents from the super funds and insurers just with all their up to date information as well.\n\nChannel 1: Yep.\n\nChannel 0: If you have that in... Email up, can you just go into sign button to open up the statement of advice so I can walk you through it?\n\nChannel 1: Yep. That I can do. Cooper, come on. Inside. Stubborn bloody dog.\n\nChannel 0: You should be able to see the Gold Coast Speechfront City picture once you do have it\n\nChannel 1: Yep. That's\n\nChannel 0: open. Awesome. Alrighty. So front page has my licensing details with ASIC on it. If you wanna swing down to page three and four, you will see a\n\nChannel 1: it\n\nChannel 0: scope of advice heading.\n\nChannel 1: there.\n\nChannel 0: Now\n\nChannel 1: Yep.\n\nChannel 0: the main purpose of this updated advice is to update the super portfolio. We were looking at changing super funds, just really doing a bit of an engine tune up, especially given since we spoke, obviously, there was the the legislation changes to capital gains tax, negative gearing, war in Iran. Lots of things kind of popped up. The old RBA\n\nChannel 1: That makes\n\nChannel 0: raising\n\nChannel 1: sense.\n\nChannel 0: rates a few times. So I've added in a few different tweaks to the portfolio to kind of address everything, if that makes sense.\n\nChannel 1: Yeah. Yeah. It does.\n\nChannel 0: Cool. We put in just a bit of a flag here. I know we were kind of sorting out beneficiary nominations with you, but some reminders on wills and powers of attorney in the estate planning. In the next page, you'll see a limited scope for insurance, and that's\n\nChannel 1: Yep. Yep.\n\nChannel 0: essentially that we didn't see a reason to kind of change the insurances. We were just factoring in the price and the impact that has on your super.\n\nChannel 1: Yep. No problem.\n\nChannel 0: Cool. What's not in scope is on the next page. So we're not doing any debt management advice. You're obviously looking after your own cash flow, paying down the mortgage, building savings.\n\nChannel 1: Yep.\n\nChannel 0: And if you need help with that, we're just a call away. But this is mainly focused on the super.\n\nChannel 1: That is good to know. Unfortunately, we're in a fixed plan with Macquarie for the next, I think, year or two. So at the moment, we\n\nChannel 0: Yep.\n\nChannel 1: can't really change\n\nChannel 0: Well,\n\nChannel 1: anything.\n\nChannel 0: hopefully, that's keeping you away from all these rate rises for a little while, and then hopefully by\n\nChannel 1: 100\n\nChannel 0: the time\n\nChannel 1: percent.\n\nChannel 0: that year or two, let's fingers crossed the rates have started going down by that point.\n\nChannel 1: Hopefully, but... I mean, it's unlikely at this stage.\n\nChannel 0: Oh, I had mine fixed at 1.9. Now I think I'm sitting at six point something, and it just keeps ticking on up. So it's not fun for everyone.\n\nChannel 1: No. It's not.\n\nChannel 0: If you swing past there, so limited advice warning is just saying that giving advice on everything. And if the info we have isn't accurate, it impacts the advice. And\n\nChannel 1: Yep.\n\nChannel 0: can you have a look for me at pages seven and eight? There's an about you section and assets and liabilities.\n\nChannel 1: Yep.\n\nChannel 0: We've got your Gmail address, sales admin still about 68,000, the home and the vehicle as listed assets and liabilities.\n\nChannel 1: So the income has changed to 70?\n\nChannel 0: Yep. I will update on system. So 70. And did that just reflect when you did, like, your tax return, or is it a bit like a promotion?\n\nChannel 1: More just a pay rise to work.\n\nChannel 0: Yep. General pay rise, 70,000. And I'm assuming no major changes to the the amount you've got owing on the mortgage there.\n\nChannel 1: No. Not not... Oh, sorry. Now let me scroll down. I'm scrolling all the way down.\n\nThat's stupid.\n\nChannel 0: That's alright.\n\nChannel 1: Mortgage. Owing. $5.30. I can tell you what it is. Mortgage owing.\n\nLog in. Oh, yeah. It hasn't really changed. I mean, it's gone down to $5,521,000.\n\nChannel 0: Yep. Awesome. I'll add that to the system there, but it's obviously not material to the advice if that makes sense.\n\nChannel 1: Yeah. Yeah. Gotcha.\n\nChannel 0: And\n\nChannel 1: It's\n\nChannel 0: from there,\n\nChannel 1: a\n\nChannel 0: so\n\nChannel 1: pop\n\nChannel 0: it's got\n\nChannel 1: from that.\n\nChannel 0: your super listed, the insurance policy with ClearView after that.\n\nChannel 1: Yep. Yep. That's\n\nChannel 0: And\n\nChannel 1: my ones.\n\nChannel 0: just past that one, you'll see two pages for your high growth risk profile.\n\nChannel 1: High gross risk. Is that the portfolio part or the where the hell have I gone? Sorry.\n\nChannel 0: Oh, yes.\n\nChannel 1: I'm\n\nChannel 0: So if\n\nChannel 1: I'm\n\nChannel 0: you're\n\nChannel 1: at I'm\n\nChannel 0: sitting at risk protection\n\nChannel 1: at page nine\n\nChannel 0: portfolio...\n\nChannel 1: at the moment.\n\nChannel 0: Yeah. So that one's the insurances. You're off for the next one, and you'll see a risk profile and sort of questionnaire bit there. And\n\nChannel 1: Yep.\n\nChannel 0: the page after it, it has, like, a kind\n\nChannel 1: Yep.\n\nChannel 0: of exploded pie chart, which just gives you an idea of what a high growth portfolio could look like just based on the licensing guidelines that we run by.\n\nChannel 1: Awesome.\n\nChannel 0: A bit of a text heavy page after that on twelve.\n\nChannel 1: Sorry. I've just\n\nChannel 0: Strategy\n\nChannel 1: changed\n\nChannel 0: recommendations.\n\nChannel 1: the... That's why I changed my computer because it was easier.\n\nChannel 0: No worries at all.\n\nChannel 1: Strategy. Alright. Strategy recommendations. Yep.\n\nChannel 0: Cool. So, again, we're not changing funds. We're doing a tune up of the options. We're removing, obviously, the underperforming option in the Bennelong, a couple of other tweaks there. Basically, what this is saying is that we're not projecting you out twenty six years to say whether you're track for retirement at this point.\n\nFew too many\n\nChannel 1: Yep.\n\nChannel 0: variables to take into account, but we are doing that ten year projection just to\n\nChannel 1: Yep.\n\nChannel 0: see if we can\n\nChannel 1: Gotcha.\n\nChannel 0: get you in a better position, bit more towards funding that retirement goal.\n\nChannel 1: Awesome.\n\nChannel 0: If you go to the next one, so we've got table on 13 for advantages and disadvantages. It's under an\n\nChannel 1: Yep.\n\nChannel 0: outcomes heading.\n\nChannel 1: Oh, yeah. Got it.\n\nChannel 0: Cool. The main disadvantage with all of our portfolios is because we use ETFs, there's brokerage fees to purchase them. So once you've got them, you pay, like, a 0.11% to buy them. Once you've\n\nChannel 1: Yep.\n\nChannel 0: got those investments, they're kind of like the lowest fee options going forward.\n\nChannel 1: Okay. No\n\nChannel 0: With\n\nChannel 1: problem.\n\nChannel 0: the changes, we're basically gonna really lower the investment fees, fix up the performance a little bit, and there's gonna be a slight tweak asset allocation.\n\nChannel 1: Okay.\n\nChannel 0: Whenever we change investments inside super, there is an element of capital gains tax under the hood for, like, an\n\nChannel 1: Yep.\n\nChannel 0: internal super tax rate. It's only $88 at the moment, and I'll factor that into projections as well.\n\nChannel 1: Yep. Awesome. Is that is that some... I'm probably... Oh, look.\n\nI don't really have my head around capital gains tax, but is that something that is more than likely bound to go up.\n\nChannel 0: It's based on the performance of the investments. So\n\nChannel 1: Gotcha.\n\nChannel 0: what'll happen is every tax inside super is just 15%.\n\nChannel 1: Okay. Yeah. Gotcha.\n\nChannel 0: If you get dividends inside super, they're 15%. If your shares fees grow, 15%.\n\nChannel 1: Okay. Yep. No. That makes sense.\n\nChannel 0: Cool. Once you're in pension phase, it's all tax free, which is lovely, but you have to wait until you're somewhere between 60 and 67.\n\nChannel 1: Gotcha.\n\nChannel 0: Cool. One of the cool things to do with Hub is because it's a wrap platform, it's just a fancy word for a very fully featured super fund. It's got the most investment options, the most features. One of those\n\nChannel 1: Yep.\n\nChannel 0: is aggregated trading. So I can't quantify it for you, but what it basically means is when we buy and sell these options, if someone is selling the shares that you're buying, they will actually transfer them to you and switch the parcels without charging brokerage fees.\n\nChannel 1: Okay. No worries.\n\nChannel 0: Basically, just... I've seen it minimize brokerage fees by 20 to 80%. It's just a handy little feature that they've got.\n\nChannel 1: Alright. Awesome.\n\nChannel 0: Cool. If you go down past there, so there's a number of warn Again, we can't control the weather in the markets, but we can pick the options for you. We've\n\nChannel 1: Yep.\n\nChannel 0: gone through a number of alternatives, but the main one, there's a fee comparison table on page 15.\n\nChannel 1: It's a parasite. Yep.\n\nChannel 0: Cool. Now can you see that right hand column? There's a difference column.\n\nChannel 1: Yep.\n\nChannel 0: So based on current balance, because remember, everything is percentage based. So the bigger the balance, the bigger the the figures go. 80\n\nChannel 1: Yep.\n\nChannel 0: $8 is the capital gain for switching the investments. Then we've got a $145 saved on the investment fees based on the current balance. That'll just balloon out. Basically, we're able to get the investment fees in half, which was pretty good.\n\nChannel 1: That's awesome.\n\nChannel 0: $12 more in adviser service fees, and that's purely because this projection factors in the growth for the year and the extra growth from the extra returns and the fee savings,\n\nChannel 1: Yep.\n\nChannel 0: which is down the bottom. So I would have mentioned to you during the review that you need to be aiming for, like, nine to 10% average for\n\nChannel 1: Yep.\n\nChannel 0: a high growth return after fees. You're sitting at just shy of nine. The average for new portfolio is more over 11, and that should get it nicely on track as well.\n\nChannel 1: Cool. No problem.\n\nChannel 0: Cool. After that, so we've got a bit of an updated projection there. So, again, based on current balance where you go from a 160,000 in ten years to a 195. So let's say $30 with a grain of salt. But, again, that compounds more as you go up to the higher balances.\n\nChannel 1: Yep. Yep. That makes sense.\n\nChannel 0: The thing is just underneath that table, you can see that the returns from the current versus the new is we're just trying to keep it consistently double digit across all\n\nChannel 1: Yep. No\n\nChannel 0: time\n\nChannel 1: problem.\n\nChannel 0: frames. Cool. Any questions on that so far?\n\nChannel 1: No. So far, it looks pretty good.\n\nChannel 0: Cool. Now the next page, you should see an investments table with a blue bar and quite a lot of red and green figures in there, if you can make that out.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Cool. So because of the way that one investment option been along was going down, I mentioned that the capital gains tax wasn't very much. So we are taking this opportunity to overhaul a lot of the options inside the portfolio to get them\n\nChannel 1: Yep.\n\nChannel 0: as up to date as we can. So everything that's in red is being sold down. Some of\n\nChannel 1: Yep.\n\nChannel 0: them in the second last column you can see go to zero. Those ones are being removed.\n\nChannel 1: Yep.\n\nChannel 0: The ones underneath that, once it hits the seven, six, 35%, they're staying, but we're just rebalancing them back to where they should be.\n\nChannel 1: Gotcha. No worries.\n\nChannel 0: The green ones at the bottom, these are the new options that we're adding into the portfolio.\n\nChannel 1: Awesome. No problem.\n\nChannel 0: Cool. So the main thing I need to point out here is that there's a few different countries and sectors now than what you had previously. The Benelon option that was underperforming, that's been replaced for a lower fee in month. Lower\n\nChannel 1: Yep.\n\nChannel 0: fees, better performance. There's also... Because you're in high growth, there is a small portion of your super and kind of safer assets like a term deposit, if that makes\n\nChannel 1: Yep.\n\nChannel 0: sense.\n\nChannel 1: Yeah. That makes sense.\n\nChannel 0: Those types of term deposits is actually being phased out by the government next year, and you had a really good return from that one. So what I'm basically saying is we're gonna sell it while it's high before it kind of crashes next year and just switch it out to something else\n\nChannel 1: Alright. No worries.\n\nChannel 0: beforehand. Cool. Last sort of table here, nineteen will have a pie chart, and it's got kind of all the colors of your asset classes on\n\nChannel 1: No worries. So is there just more more sort of growth overseas than there is in Australia?\n\nChannel 0: it. Yeah. It's one of those interesting things where the... Think of international as US focused in one sense and then\n\nChannel 1: Yep.\n\nChannel 0: developing nations\n\nChannel 1: Yep.\n\nChannel 0: for another sense. You know, second world trying to get up to first world type of nations. Now what tends to happen is Australia has kind of been lagging behind the rest of the world in productivity and growth and things like that. So,\n\nChannel 1: Sounds about\n\nChannel 0: generally,\n\nChannel 1: rough.\n\nChannel 0: yeah, it does for us. So, generally speaking, the American shares perform better long term and\n\nChannel 1: Yep.\n\nChannel 0: also developing nations who are, you know, years getting manufacturing from China and they're growing and Mexico is growing and everyone's growing. Even Argentina is growing, and we're kind of in like a... What do they call it? Close\n\nChannel 1: Yep.\n\nChannel 0: to stagflation where cost of everything is going up, but we're not growing.\n\nChannel 1: Yep. No. That makes sense.\n\nChannel 0: So we are favoring pretty heavy towards the international side. It looks like one thing, but when you look at that investment table above, there's about five or six options split between different countries and sectors. So I guess the buzzword there is it's well diversified\n\nChannel 1: Yep.\n\nChannel 0: to make sure\n\nChannel 1: Yep.\n\nChannel 0: it's not just reliant on just The US or just The UK.\n\nChannel 1: Yep. Okay. No problem.\n\nChannel 0: Cool. Still some alternatives in there in terms of gold, little fixed interest in cash in there, which is, again, just a minimum 1.25% that we have to have with Hub.\n\nChannel 1: Alright. No problem.\n\nChannel 0: The last thing I'll point out on that table is the middle bar. There's a growth total in gray, and it basically says 90%, 92, 93.\n\nChannel 1: Yep.\n\nChannel 0: And,\n\nChannel 1: Yep.\n\nChannel 0: essentially, high growth, you sit between 90 to a 100% growth assets. You're sitting at 92. When we rebalance, you'll be sitting at just shy of four.\n\nChannel 1: Is that good or is that bad?\n\nChannel 0: Well, it basically means that you're almost fully invested in shares property goal, high risk, high return assets.\n\nChannel 1: Gotcha.\n\nChannel 0: So over 10 you're gonna get these really nice returns, goes up and down like a roller coaster every year. When you're closer to retirement, we pair that back down again. So let's say you're ten years off from retirement, we'll go, oh, you're sitting at 90%. At least we think you should now go to eighty, seventy, sixty, fifty, forty, and there you are, your 65, nice, safe pension account.\n\nChannel 1: Alright. No worries.\n\nChannel 0: Cool. Please just bear in mind the ETFs I mentioned earlier, these different options just follow those markets. So if the entire\n\nChannel 1: Yep.\n\nChannel 0: world explodes, your super is gonna dive with it. Your contributions are gonna go in and buy all these shares for a cheaper price. And then when the world covers for five years, you'll get these big returns on the way up again.\n\nChannel 1: Alright. No worries.\n\nChannel 0: Any questions on that?\n\nChannel 1: No. Not not so far now.\n\nChannel 0: Besides, no, I don't have a crystal ball. I don't know when the world's gonna explode next. It's already happened twice this year, probably once before Christmas and maybe once in the New Year. But I guess the reassuring thing I can say is that every five years something happens, and we can still get some good growth over 10/20,\n\nChannel 1: Yep.\n\nChannel 0: thirty, forty, fifty\n\nChannel 1: Mhmm.\n\nChannel 0: years. We can't not invest you to get you up to where you need to be, But part of that is if you watch your super every day, whenever there's a news article, it's gonna follow the news.\n\nChannel 1: Gotcha. No problem.\n\nChannel 0: Cool. The rest of that document is pretty much just a reminder for the beneficiaries and the state planning side of things. I'm not sure if you did actually fill in the forms that we sent through to get your spouse listed on Hub and Clearview, but if\n\nChannel 1: I actually\n\nChannel 0: not, we've got\n\nChannel 1: I actually have not done that. And I know that's a huge thing that I need to do. I just...\n\nChannel 0: That's\n\nChannel 1: I\n\nChannel 0: okay.\n\nChannel 1: know I need a I I need a witness to sign that, and I haven't gotten around to that. But I I actually don't know where I put the form... The the forms.\n\nChannel 0: That's okay. I've got fresh ones coming out to you. Sometimes the providers update them, and if you fill out an old one, I should reject it, and it's not\n\nChannel 1: Awesome.\n\nChannel 0: very\n\nChannel 1: No problem at all.\n\nChannel 0: fun. Cool.\n\nChannel 1: Yep.\n\nChannel 0: So we just got spouse listed on those, a 100% binding legally, non lapsing so they don't expire, and we'll get\n\nChannel 1: Yep.\n\nChannel 0: those updated too.\n\nChannel 1: Awesome.\n\nChannel 0: Actually, one thing I will cap off with before I let you go. So if you\n\nChannel 1: Yep.\n\nChannel 0: scroll all the way past here, you'll see wills and powers of attorney, and I'm I'm going right down to the pages in the thirties now. So\n\nChannel 1: Three page 30. Where am I? Outcomes. Oh, ongoing services. Oh, yep.\n\nWell,\n\nChannel 0: can\n\nChannel 1: I've... I've\n\nChannel 0: you\n\nChannel 1: already\n\nChannel 0: see\n\nChannel 1: participated.\n\nChannel 0: on page 20\n\nChannel 1: Yep.\n\nChannel 0: nine, just before that, there's an ongoing remuneration table.\n\nChannel 1: Yep.\n\nChannel 0: So one thing that I'm I'm gonna kind of send out to you, I do need to explain it in three ways, unfortunately, just because there's been a few changes, is you're currently under a service agreement with us. We charge 1.65% per annum\n\nChannel 1: Okay.\n\nChannel 0: spread\n\nChannel 1: Yep.\n\nChannel 0: throughout the year. Now with the new structure that we've got, we've brought in a tiered fee structure, which essentially\n\nChannel 1: K.\n\nChannel 0: means that when people get to 200,000, 500,000, and a million, there's lower percentage discounts that get applied\n\nChannel 1: Okay.\n\nChannel 0: to the balance. So when you get to 200,000, that will kick in. In\n\nChannel 1: Yep.\n\nChannel 0: the interim, we're offering sort of like a couple's discount of\n\nChannel 1: Okay.\n\nChannel 0: 1.1%.\n\nChannel 1: Alright.\n\nChannel 0: I believe you're still with Emma, is it?\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Yep. So what I would do is if you're comfortable, we'll kind of set this as the plan going forward. I can send you out an updated consent form for the discount for twelve months from one point\n\nChannel 1: Mhmm.\n\nChannel 0: six five to 1.1. And then\n\nChannel 1: Okay.\n\nChannel 0: in twelve months' time, this one will be onto that new tiered structure as a couple.\n\nChannel 1: Yeah. Look. I mean, I'd actually say why not?\n\nChannel 0: Cool. So, again, I guess the way I would explain it is discount now for twelve months, and then it gets structured together so that as your balances grow as a couple, it'll be a little bit\n\nChannel 1: Yep. Gotcha. But we will still have our separate supers. Is that still the case?\n\nChannel 0: different then. Yeah. 100%. One\n\nChannel 1: Okay.\n\nChannel 0: of the things that I've got in line for you down the line is that once your balance is a bit higher, we can do, like, a family fee linking inside Hub. They will actually count your balances as the same when they calculate fees,\n\nChannel 1: Yep.\n\nChannel 0: but not pull them together.\n\nChannel 1: Okay. Cool. No worries.\n\nChannel 0: But it's not really... There's no point doing it right now. It's more for, like, if you hit, I think their tiers are 250,000 above.\n\nChannel 1: Oh, yeah.\n\nChannel 0: Yeah.\n\nChannel 1: This is her.\n\nChannel 0: No. No. We'll... Again, high growth and everything. We'll get you up there\n\nChannel 1: Yep.\n\nChannel 0: as quick as we can.\n\nChannel 1: Yep.\n\nChannel 0: But, basically, what I wanna do is just supply as many fee reductions as I can between Oakview, the super funds, the investment options, everything combined, every dollar has.\n\nChannel 1: Okay. No worries.\n\nChannel 0: Cool. So, basically, if you're comfortable with this plan, we'd sign off on this one. That'll come back to us, and we will do the investment switches. Generally, on a Friday, we'll do the trade. I would then book in for a review in twelve months' time.\n\nDo you want me to book anything else in in between then? Any kind of quarterly catch ups or anything that you might need?\n\nChannel 1: I don't think I'll... So, yeah, maybe a quarterly catch up might be a good idea. I'm sort of trying to be on top of everything a bit more now, but... Well, I don't think it really matters, to be honest with you. But, yeah, look.\n\nIf we can do a quarterly catch up, that'd be good.\n\nChannel 0: Yeah. Cool. And even if it's just, you know, send a report and a quick catch up and nothing's changed, that's great. If there are major changes, we can jump on it nice and early.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Cool. Like, do you have any questions for me before I let you go?\n\nChannel 1: No. I think you're all good. I'm assuming... Sorry. Did you need me to sign all this?\n\nChannel 0: Yeah. So if you're comfortable with the investment, get you to\n\nChannel 1: Yep.\n\nChannel 0: sign this one. And then separately, I'm gonna get the team to send out that discounted fee form as well.\n\nChannel 1: Yep. No worries. I'll do that.\n\nChannel 0: Cool. It'll just be two emails coming out to you today. This one and then one more in and out too.\n\nChannel 1: K. Is it also possible to get the, what are the other forms called?\n\nChannel 0: Oh, the beneficiaries?\n\nChannel 1: That's the ones.\n\nChannel 0: Yeah. Yep. I'll get them... Would you prefer them kind of emailed so you can print them and scan back, or should we just post them out with some envelopes?\n\nChannel 1: I have to post them out with some onboard, so that's fine. I'll I'll fill them out, get a witness to sign them, and then send them back.\n\nChannel 0: Fantastic. Alright. I'll get them posted out. No worries at all.\n\nChannel 1: Awesome. Fantastic. I will sign this one, and pretty much we're good to go.\n\nChannel 0: Beautiful. Thank you so much for your time, Lee. It's been an absolute\n\nChannel 1: No.\n\nChannel 0: pleasure.\n\nChannel 1: Thank\n\nChannel 0: I will schedule in. Let's just have a look October, November, December. So, basically, we kind of shut, like, mid December,\n\nChannel 1: you.\n\nChannel 0: late December.\n\nChannel 1: Yep.\n\nChannel 0: I'll punch in for a bit of a catch up in that first week there just to touch base before Christmas.\n\nChannel 1: Yep. No problem at all.\n\nChannel 0: Awesome, mate. Have a fantastic day, and thank you for your time.\n\nChannel 1: Same to you. Thank you.\n\nChannel 0: Cheers. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.96,"end":1.46,"sentiment":"neutral","sentiment_score":0.061042483896017075}],"sentiment":"neutral","sentiment_score":0.061042483896017075,"channel":1,"num_words":1,"start":0.96,"end":1.46},{"sentences":[{"text":"Good afternoon, Leith.","start":2.72,"end":3.6799998,"sentiment":"positive","sentiment_score":0.41406551996866864},{"text":"It's Tommy here from Oakview Financial, mate.","start":3.6799998,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.2694396674633026},{"text":"How are you doing?","start":5.3599997,"end":6.18,"sentiment":"neutral","sentiment_score":0.26829274371266365}],"sentiment":"neutral","sentiment_score":0.3001032290714128,"channel":0,"num_words":14,"start":2.72,"end":6.18},{"sentences":[{"text":"Good, mate.","start":6.24,"end":6.7999997,"sentiment":"positive","sentiment_score":0.5501281917095184},{"text":"How are you?","start":6.7999997,"end":7.62,"sentiment":"positive","sentiment_score":0.369604895512263}],"sentiment":"positive","sentiment_score":0.44181421399116516,"channel":1,"num_words":5,"start":6.24,"end":7.62},{"sentences":[{"text":"I'm living the dream.","start":7.6,"end":8.559999,"sentiment":"positive","sentiment_score":0.704198345541954},{"text":"It's a beautiful day on the Gold Coast.","start":8.559999,"end":9.92,"sentiment":"positive","sentiment_score":0.7544722706079483},{"text":"What about your end?","start":9.92,"end":11.059999,"sentiment":"neutral","sentiment_score":0.17828319221735}],"sentiment":"positive","sentiment_score":0.5978565197438002,"channel":0,"num_words":16,"start":7.6,"end":11.059999},{"sentences":[{"text":"Yeah.","start":11.36,"end":11.759999,"sentiment":"neutral","sentiment_score":0.03927754610776901},{"text":"It's not hot, but it's it's definitely not 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position, bit more towards funding that retirement goal.","start":450.74,"end":454.6,"sentiment":"neutral","sentiment_score":0.1935075017122122}],"sentiment":"neutral","sentiment_score":0.1935075017122122,"channel":0,"num_words":13,"start":450.74,"end":454.6},{"sentences":[{"text":"Awesome.","start":454.88,"end":455.38,"sentiment":"positive","sentiment_score":0.3650441765785218}],"sentiment":"positive","sentiment_score":0.3650441765785218,"channel":1,"num_words":1,"start":454.88,"end":455.38},{"sentences":[{"text":"If you go to the next one, so we've got table on 13 for advantages and disadvantages.","start":457.38,"end":462.715,"sentiment":"neutral","sentiment_score":0.05996722065131454},{"text":"It's under an","start":467.335,"end":468.13498,"sentiment":"neutral","sentiment_score":0.03664747501413027}],"sentiment":"neutral","sentiment_score":0.0564692588057369,"channel":0,"num_words":20,"start":457.38,"end":468.13498},{"sentences":[{"text":"Yep.","start":468.05502,"end":468.55502,"sentiment":"neutral","sentiment_score":0.04307606816291809}],"sentiment":"neutral","sentiment_score":0.04307606816291809,"channel":1,"num_words":1,"start":468.05502,"end":468.55502},{"sentences":[{"text":"outcomes heading.","start":468.13498,"end":469.115,"sentiment":"neutral","sentiment_score":0.04546465165913105}],"sentiment":"neutral","sentiment_score":0.04546465165913105,"channel":0,"num_words":2,"start":468.13498,"end":469.115},{"sentences":[{"text":"Oh, yeah.","start":469.73502,"end":470.135,"sentiment":"neutral","sentiment_score":0.09442803263664246},{"text":"Got 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you've","start":483.09,"end":483.57,"sentiment":"neutral","sentiment_score":-0.05060785170644522}],"sentiment":"neutral","sentiment_score":-0.20839330208088672,"channel":0,"num_words":35,"start":471.255,"end":483.57},{"sentences":[{"text":"Yep.","start":483.55002,"end":484.05002,"sentiment":"neutral","sentiment_score":0.09006320685148239}],"sentiment":"neutral","sentiment_score":0.09006320685148239,"channel":1,"num_words":1,"start":483.55002,"end":484.05002},{"sentences":[{"text":"got those investments, they're kind of like the lowest fee options going 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an","start":499.78998,"end":507.15,"sentiment":"neutral","sentiment_score":0.04471286963671446}],"sentiment":"neutral","sentiment_score":0.04471286963671446,"channel":0,"num_words":20,"start":499.78998,"end":507.15},{"sentences":[{"text":"Yep.","start":507.01,"end":507.51,"sentiment":"neutral","sentiment_score":0.06252804398536682}],"sentiment":"neutral","sentiment_score":0.06252804398536682,"channel":1,"num_words":1,"start":507.01,"end":507.51},{"sentences":[{"text":"internal super tax rate.","start":507.15,"end":508.93,"sentiment":"neutral","sentiment_score":0.06088564824312925},{"text":"It's only $88 at the moment, and I'll factor that into projections as 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it?","start":1147.275,"end":1150.415,"sentiment":"neutral","sentiment_score":0.18706434033811092}],"sentiment":"neutral","sentiment_score":0.18706434033811092,"channel":0,"num_words":8,"start":1147.275,"end":1150.415},{"sentences":[{"text":"Yes.","start":1150.7,"end":1151.2,"sentiment":"neutral","sentiment_score":0.2487129271030426},{"text":"Yeah.","start":1151.26,"end":1151.76,"sentiment":"neutral","sentiment_score":0.290077269077301}],"sentiment":"neutral","sentiment_score":0.2693950980901718,"channel":1,"num_words":2,"start":1150.7,"end":1151.76},{"sentences":[{"text":"Yep.","start":1151.755,"end":1152.155,"sentiment":"neutral","sentiment_score":0.31932300329208374},{"text":"So what I would do is if you're comfortable, we'll kind of set this as the plan going forward.","start":1152.155,"end":1157.535,"sentiment":"positive","sentiment_score":0.3733444684430173},{"text":"I can send you out an updated consent form for the discount for twelve months from one 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Lee.","start":1350.3251,"end":1352.005,"sentiment":"positive","sentiment_score":0.7693811431527138},{"text":"It's been an absolute","start":1352.005,"end":1352.805,"sentiment":"neutral","sentiment_score":0.20342892408370972}],"sentiment":"positive","sentiment_score":0.5950886653019831,"channel":0,"num_words":13,"start":1349.765,"end":1352.805},{"sentences":[{"text":"No.","start":1352.51,"end":1352.83,"sentiment":"neutral","sentiment_score":0.07897809892892838}],"sentiment":"neutral","sentiment_score":0.07897809892892838,"channel":1,"num_words":1,"start":1352.51,"end":1352.83},{"sentences":[{"text":"pleasure.","start":1352.805,"end":1353.3,"sentiment":"neutral","sentiment_score":0.22345519065856936}],"sentiment":"neutral","sentiment_score":0.22345519065856936,"channel":0,"num_words":1,"start":1352.805,"end":1353.3},{"sentences":[{"text":"Thank","start":1352.83,"end":1353.33,"sentiment":"neutral","sentiment_score":0.2181378602981567}],"sentiment":"neutral","sentiment_score":0.2181378602981567,"channel":1,"num_words":1,"start":1352.83,"end":1353.33},{"sentences":[{"text":"I will schedule in.","start":1354.26,"end":1355.4601,"sentiment":"neutral","sentiment_score":0.22347695752978325},{"text":"Let's just have a look October, November, December.","start":1355.4601,"end":1357.8,"sentiment":"neutral","sentiment_score":0.11221615690737963},{"text":"So, basically, we kind of shut, like, mid December,","start":1358.02,"end":1361.4801,"sentiment":"neutral","sentiment_score":0.02098007831308577}],"sentiment":"neutral","sentiment_score":0.09430751381885438,"channel":0,"num_words":21,"start":1354.26,"end":1361.4801},{"sentences":[{"text":"you.","start":1361.71,"end":1362.1901,"sentiment":"neutral","sentiment_score":0.04100959002971649}],"sentiment":"neutral","sentiment_score":0.04100959002971649,"channel":1,"num_words":1,"start":1361.71,"end":1362.1901},{"sentences":[{"text":"late December.","start":1361.78,"end":1362.52,"sentiment":"neutral","sentiment_score":0.02248556539416313}],"sentiment":"neutral","sentiment_score":0.02248556539416313,"channel":0,"num_words":2,"start":1361.78,"end":1362.52},{"sentences":[{"text":"Yep.","start":1362.1901,"end":1362.6901,"sentiment":"neutral","sentiment_score":0.08006767183542252}],"sentiment":"neutral","sentiment_score":0.08006767183542252,"channel":1,"num_words":1,"start":1362.1901,"end":1362.6901},{"sentences":[{"text":"I'll punch in for a bit of a catch up in that first week there just to touch base before Christmas.","start":1363.14,"end":1367.925,"sentiment":"neutral","sentiment_score":0.13935279562359765}],"sentiment":"neutral","sentiment_score":0.13935279562359765,"channel":0,"num_words":21,"start":1363.14,"end":1367.925},{"sentences":[{"text":"Yep.","start":1368.325,"end":1368.725,"sentiment":"neutral","sentiment_score":0.16050274670124054},{"text":"No problem at all.","start":1368.725,"end":1369.865,"sentiment":"positive","sentiment_score":0.3739732727408409}],"sentiment":"neutral","sentiment_score":0.33127916753292086,"channel":1,"num_words":5,"start":1368.325,"end":1369.865},{"sentences":[{"text":"Awesome, mate.","start":1370.245,"end":1370.885,"sentiment":"positive","sentiment_score":0.8056125640869141},{"text":"Have a fantastic day, and thank you for your time.","start":1370.885,"end":1373.0651,"sentiment":"positive","sentiment_score":0.8145269572734832}],"sentiment":"positive","sentiment_score":0.8130412250757217,"channel":0,"num_words":12,"start":1370.245,"end":1373.0651},{"sentences":[{"text":"Same to you.","start":1373.445,"end":1374.005,"sentiment":"positive","sentiment_score":0.5795538524786631},{"text":"Thank you.","start":1374.005,"end":1374.745,"sentiment":"positive","sentiment_score":0.6496652364730835}],"sentiment":"positive","sentiment_score":0.6075984060764312,"channel":1,"num_words":5,"start":1373.445,"end":1374.745},{"sentences":[{"text":"Cheers.","start":1375.125,"end":1375.525,"sentiment":"positive","sentiment_score":0.5731168389320374},{"text":"Bye.","start":1375.525,"end":1376.025,"sentiment":"neutral","sentiment_score":0.2917064130306244}],"sentiment":"positive","sentiment_score":0.43241162598133087,"channel":0,"num_words":2,"start":1375.125,"end":1376.025},{"sentences":[{"text":"Bye.","start":1376.485,"end":1376.985,"sentiment":"neutral","sentiment_score":-0.110590822994709}],"sentiment":"neutral","sentiment_score":-0.110590822994709,"channel":1,"num_words":1,"start":1376.485,"end":1376.985}]},"summary":{"result":"success","short":"Representatives from Oakview Financial provide updated advice for Leith's super fund, including updating the portfolio and identifying income and expenses. The company is doing a tune-up of the options and removing underperforming options. The speaker discusses various financial options available to the customer, including gold, fixed interest, cash, fixed interest in cash, and gold in gold. The process of creating a risk profile and questionnaire is discussed, along with changes to the portfolio and the potential impact on retirement goals. The speakers emphasize the importance of maintaining a low investment fee rate and maintaining a strong investment portfolio. The service agreement is sent out with updated consent forms, and the call ends with thanks and goodbyes."},"intents":{"segments":[{"text":"I'm just wondering if you've got access to look onto the email with me today, or should I just kind of walk you through what I'm sending? And I should be able to have access. Cool.","start_word":131,"end_word":166,"intents":[{"intent":"Arrange to look at email","confidence_score":6.2152566e-8}]},{"text":"Let me just bring up There my. is a few attachments, so I am gonna just pop it through now just so it takes a minute to get through. And Yeah. Of course. just while I'm doing that, I'm just gonna go through a quick security check with you. No problem at all.","start_word":167,"end_word":219,"intents":[{"intent":"Provide assistance","confidence_score":0.0445454}]},{"text":"So for myself, I'm registered with Asica's adviser 1 273105. Could I please confirm your date of birth and address that we would have on file?","start_word":221,"end_word":246,"intents":[{"intent":"Confirm phone number","confidence_score":0.019629579}]},{"text":"Could I please confirm your date of birth and address that we would have on file?","start_word":231,"end_word":246,"intents":[{"intent":"Confirm address","confidence_score":0.19367945}]},{"text":"Could I please confirm your date of birth and address that we would have on file? Yeah.","start_word":231,"end_word":247,"intents":[{"intent":"Confirm identity","confidence_score":0.08122347},{"intent":"Provide information","confidence_score":0.14656529},{"intent":"Confirm identity","confidence_score":0.14037395},{"intent":"Confirm date of birth","confidence_score":0.30522758}]},{"text":"Thank you so much for that. Are you okay for the call to be recorded? Of course. Perfect.","start_word":277,"end_word":294,"intents":[{"intent":"Call recording","confidence_score":0.0007375752}]},{"text":"essentially our updated service guides for Oakview, some product disclosure documents from the super funds and insurers just with all their up to date information as well. Yep.","start_word":344,"end_word":371,"intents":[{"intent":"Initiate service guides and documents","confidence_score":0.000006462708}]},{"text":"the main purpose of this updated advice is to update the super portfolio. We were looking at changing super funds, just really doing a bit of an engine tune up, especially given since we spoke, obviously, there was the the legislation changes to capital gains tax, negative gearing, war in Iran.","start_word":467,"end_word":517,"intents":[{"intent":"Update super portfolio","confidence_score":0.5101059}]},{"text":"We put in just a bit of a flag here. I know we were kind of sorting out beneficiary nominations with you, but some reminders on wills and powers of attorney in the estate planning.","start_word":561,"end_word":595,"intents":[{"intent":"Address beneficiaries and estate planning","confidence_score":0.0136762755},{"intent":"Include items on wills and powers of attorney","confidence_score":0.000010177011}]},{"text":"In the next page, you'll see a limited scope for insurance, and that's Yep.","start_word":596,"end_word":609,"intents":[{"intent":"Explain limitations of scope for insurances","confidence_score":0.00081543636}]},{"text":"It's under an Yep. outcomes heading. Oh, yeah.","start_word":1307,"end_word":1314,"intents":[{"intent":"Educate about yep investments","confidence_score":0.00042527347}]},{"text":"So I would have mentioned to you during the review that you need to be aiming for, like, nine to 10% average for Yep. a high growth return after fees. You're sitting at just shy of nine. The average for new portfolio is more over 11, and that should get it nicely on track as well.","start_word":1825,"end_word":1880,"intents":[{"intent":"Analyze portfolio growth","confidence_score":0.045782283}]},{"text":"So because of the way that one investment option been along was going down, I mentioned that the capital gains tax wasn't very much. So we are taking this opportunity to overhaul a lot of the options inside the portfolio to get them Yep. as up to date as we can.","start_word":2027,"end_word":2077,"intents":[{"intent":"Update portfolio options","confidence_score":0.19279426}]},{"text":"So is there just more more sort of growth overseas than there is in Australia? it.","start_word":2318,"end_word":2333,"intents":[{"intent":"Analyze global growth","confidence_score":0.068056084}]},{"text":"know I need a I I need a witness to sign that, and I haven't gotten around to that.","start_word":2999,"end_word":3017,"intents":[{"intent":"Request witness sign","confidence_score":0.0006677795}]},{"text":"I believe you're still with Emma, is it? Yes. Yeah.","start_word":3291,"end_word":3300,"intents":[{"intent":"Verify identity","confidence_score":0.000098128716}]},{"text":"So what I would do is if you're comfortable, we'll kind of set this as the plan going forward. I can send you out an updated consent form for the discount for twelve months from one point Mhmm. six five to 1.1. And then Okay. in twelve months' time, this one will be onto that new tiered structure as a couple. Yeah. Look.","start_word":3302,"end_word":3364,"intents":[{"intent":"Understand plan details","confidence_score":0.00009087326}]},{"text":"So, again, I guess the way I would explain it is discount now for twelve months, and then it gets structured together so that as your balances grow as a couple, it'll be a little bit Yep.","start_word":3373,"end_word":3409,"intents":[{"intent":"Explain structure","confidence_score":0.00033226583}]},{"text":"But, basically, what I wanna do is just supply as many fee reductions as I can between Oakview, the super funds, the investment options, everything combined, every dollar has. Okay.","start_word":3536,"end_word":3565,"intents":[{"intent":"Provide fee reductions","confidence_score":0.17185022}]},{"text":"I would then book in for a review in twelve months' time.","start_word":3603,"end_word":3614,"intents":[{"intent":"Schedule review and receive quarterly catch ups","confidence_score":0.000005653037}]}]},"sentiments":{"segments":[{"text":"Hello?","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.061042483896017075},{"text":"Good afternoon, Leith.","start_word":1,"end_word":3,"sentiment":"positive","sentiment_score":0.4041541516780853},{"text":"It's Tommy here from Oakview Financial, mate. How are you doing?","start_word":4,"end_word":14,"sentiment":"neutral","sentiment_score":0.2742439806461334},{"text":"Good, mate. How are you? I'm living the dream. It's a beautiful day on the Gold Coast.","start_word":15,"end_word":31,"sentiment":"positive","sentiment_score":0.6476962566375732},{"text":"What about your end? Yeah. It's not hot, but it's it's definitely not cold. It's sort of a nice humid temperature with a lot of wind, unfortunately. A humid middle ground. I know Victoria can tend to sort of bounce them down on a daily basis, so it's nice that it's in the middle for once. Well, it's scheduled to rain tomorrow about 30 mil, so that will soon go downhill. Yep. Yep.","start_word":32,"end_word":104,"sentiment":"neutral","sentiment_score":0.05061493441462517},{"text":"So enjoy it while you can kind of thing.","start_word":105,"end_word":113,"sentiment":"positive","sentiment_score":0.5191441774368286},{"text":"That's it. So, mate, I've got you booked in to go through this updated advice strategy. Yep. I'm just wondering if you've got access to look onto the email with me today, or should I just kind of walk you through what I'm sending? And I should be able to have access. Cool. Let me just bring up There my. is a few attachments, so I am gonna just pop it through now just so it takes a minute to get through. And Yeah. Of course. just while I'm doing that, I'm just gonna go through a quick security check with you. No problem at all. Right. So for myself, I'm registered with Asica's adviser 1 273105. Could I please confirm your date of birth and address that we would have on file? Yeah. So date of birth is 06/08/1995, and the address is 39 Dash 41 Falkingham, F A L K I N G H A M, Road, Mount Evelyn 3796.","start_word":114,"end_word":275,"sentiment":"neutral","sentiment_score":0.07133319228887558},{"text":"Perfect. Thank you so much for that.","start_word":276,"end_word":282,"sentiment":"positive","sentiment_score":0.6143685579299927},{"text":"Are you okay for the call to be recorded? Of course.","start_word":283,"end_word":293,"sentiment":"neutral","sentiment_score":0.21077288687229156},{"text":"Perfect.","start_word":294,"end_word":294,"sentiment":"positive","sentiment_score":0.3932744860649109},{"text":"Now I believe you have used our new system before, so it should go through pretty quickly to your main inbox. Sometimes Yep. it does go to spam, but if you've used it before, it should go through there. I have added a number of attachments, which is Mhmm. essentially our updated service guides for Oakview, some product disclosure documents from the super funds and insurers just with all their up to date information as well. Yep. If you have that in... Email up, can you just go into sign button to open up the statement of advice so I can walk you through it? Yep. That I can do. Cooper, come on. Inside. Stubborn bloody dog. You should be able to see the Gold Coast Speechfront City picture once you do have it Yep. That's open.","start_word":295,"end_word":431,"sentiment":"neutral","sentiment_score":0.1178385642540716},{"text":"Awesome. Alrighty.","start_word":432,"end_word":433,"sentiment":"positive","sentiment_score":0.48239240050315857},{"text":"So front page has my licensing details with ASIC on it. If you wanna swing down to page three and four, you will see a it scope of advice heading. there. Now Yep. the main purpose of this updated advice is to update the super portfolio. We were looking at changing super funds, just really doing a bit of an engine tune up, especially given since we spoke, obviously, there was the the legislation changes to capital gains tax, negative gearing, war in Iran. Lots of things kind of popped up. The old RBA That makes raising sense. rates a few times. So I've added in a few different tweaks to the portfolio to kind of address everything, if that makes sense. Yeah. Yeah. It does. Cool. We put in just a bit of a flag here. I know we were kind of sorting out beneficiary nominations with you, but some reminders on wills and powers of attorney in the estate planning. In the next page, you'll see a limited scope for insurance, and that's Yep. Yep. essentially that we didn't see a reason to kind of change the insurances. We were just factoring in the price and the impact that has on your super. Yep. No problem. Cool. What's not in scope is on the next page.","start_word":434,"end_word":651,"sentiment":"neutral","sentiment_score":0.008305288851261139},{"text":"So we're not doing any debt management advice.","start_word":652,"end_word":659,"sentiment":"negative","sentiment_score":-0.3878765106201172},{"text":"You're obviously looking after your own cash flow, paying down the mortgage, building savings. Yep. And if you need help with that, we're just a call away. But this is mainly focused on the super.","start_word":660,"end_word":694,"sentiment":"neutral","sentiment_score":0.06854172050952911},{"text":"That is good to know.","start_word":695,"end_word":699,"sentiment":"positive","sentiment_score":0.5361273288726807},{"text":"Unfortunately, we're in a fixed plan with Macquarie for the next, I think, year or two.","start_word":700,"end_word":715,"sentiment":"negative","sentiment_score":-0.40335360169410706},{"text":"So at the moment, we Yep. can't really change Well, anything.","start_word":716,"end_word":726,"sentiment":"neutral","sentiment_score":-0.16794224083423617},{"text":"hopefully, that's keeping you away from all these rate rises for a little while, and then hopefully by 100 the time percent. that year or two, let's fingers crossed the rates have started going down by that point. Hopefully, but... I mean, it's unlikely at this stage.","start_word":727,"end_word":773,"sentiment":"negative","sentiment_score":-0.37558168172836304},{"text":"Oh, I had mine fixed at 1.9.","start_word":774,"end_word":780,"sentiment":"neutral","sentiment_score":-0.24215219914913175},{"text":"Now I think I'm sitting at six point something, and it just keeps ticking on up. So it's not fun for everyone. No.","start_word":781,"end_word":803,"sentiment":"negative","sentiment_score":-0.419779509305954},{"text":"It's not. If you swing past there, so limited advice warning is just saying that giving advice on everything.","start_word":804,"end_word":822,"sentiment":"neutral","sentiment_score":-0.3123437762260437},{"text":"And if the info we have isn't accurate, it impacts the advice.","start_word":823,"end_word":834,"sentiment":"negative","sentiment_score":-0.36533790826797485},{"text":"And Yep. can you have a look for me at pages seven and eight? There's an about you section and assets and liabilities. Yep. We've got your Gmail address, sales admin still about 68,000, the home and the vehicle as listed assets and liabilities. So the income has changed to 70? Yep. I will update on system. So 70. And did that just reflect when you did, like, your tax return, or is it a bit like a promotion? More just a pay rise to work. Yep. General pay rise, 70,000. And I'm assuming no major changes to the the amount you've got owing on the mortgage there. No. Not not... Oh, sorry. Now let me scroll down. I'm scrolling all the way down.","start_word":835,"end_word":958,"sentiment":"neutral","sentiment_score":-0.009099039249122145},{"text":"That's stupid.","start_word":959,"end_word":960,"sentiment":"negative","sentiment_score":-0.45597192645072937},{"text":"That's alright. Mortgage. Owing. $5.30. I can tell you what it is. Mortgage owing. Log in. Oh, yeah. It hasn't really changed. I mean, it's gone down to $5,521,000. Yep.","start_word":961,"end_word":990,"sentiment":"neutral","sentiment_score":-0.02062428221106529},{"text":"Awesome.","start_word":991,"end_word":991,"sentiment":"positive","sentiment_score":0.6049610376358032},{"text":"I'll add that to the system there, but it's obviously not material to the advice if that makes sense. Yeah. Yeah. Gotcha. And It's from there, a so pop it's got from that. your super listed, the insurance policy with ClearView after that. Yep. Yep. That's And my ones. just past that one, you'll see two pages for your high growth risk profile. High gross risk. Is that the portfolio part or the where the hell have I gone? Sorry. Oh, yes. I'm So if I'm you're at I'm sitting at risk protection at page nine portfolio... at the moment. Yeah. So that one's the insurances. You're off for the next one, and you'll see a risk profile and sort of questionnaire bit there. And Yep. the page after it, it has, like, a kind Yep. of exploded pie chart, which just gives you an idea of what a high growth portfolio could look like just based on the licensing guidelines that we run by.","start_word":992,"end_word":1156,"sentiment":"neutral","sentiment_score":0.016354596242308617},{"text":"Awesome.","start_word":1157,"end_word":1157,"sentiment":"positive","sentiment_score":0.35566243529319763},{"text":"A bit of a text heavy page after that on twelve. Sorry. I've just Strategy changed recommendations. the... That's why I changed my computer because it was easier. No worries at all. Strategy. Alright. Strategy recommendations. Yep. Cool. So, again, we're not changing funds. We're doing a tune up of the options. We're removing, obviously, the underperforming option in the Bennelong, a couple of other tweaks there. Basically, what this is saying is that we're not projecting you out twenty six years to say whether you're track for retirement at this point. Few too many Yep. variables to take into account, but we are doing that ten year projection just to Yep. see if we can Gotcha. get you in a better position, bit more towards funding that retirement goal.","start_word":1158,"end_word":1287,"sentiment":"neutral","sentiment_score":0.02340802550315857},{"text":"Awesome.","start_word":1288,"end_word":1288,"sentiment":"positive","sentiment_score":0.3650441765785218},{"text":"If you go to the next one, so we've got table on 13 for advantages and disadvantages. It's under an Yep. outcomes heading. Oh, yeah. Got it.","start_word":1289,"end_word":1315,"sentiment":"neutral","sentiment_score":0.06423990621610924},{"text":"Cool.","start_word":1316,"end_word":1316,"sentiment":"positive","sentiment_score":0.4064042568206787},{"text":"The main disadvantage with all of our portfolios is because we use ETFs, there's brokerage fees to purchase them. So once you've got them, you pay, like, a 0.11% to buy them. Once you've Yep. got those investments, they're kind of like the lowest fee options going forward. Okay. No With problem. the changes, we're basically gonna really lower the investment fees, fix up the performance a little bit, and there's gonna be a slight tweak asset allocation. Okay. Whenever we change investments inside super, there is an element of capital gains tax under the hood for, like, an Yep. internal super tax rate. It's only $88 at the moment, and I'll factor that into projections as well. Yep.","start_word":1317,"end_word":1435,"sentiment":"neutral","sentiment_score":0.008591684512794018},{"text":"Awesome.","start_word":1436,"end_word":1436,"sentiment":"positive","sentiment_score":0.40241849422454834},{"text":"Is that is that some... I'm probably... Oh, look. I don't really have my head around capital gains tax, but is that something that is more than likely bound to go up. It's based on the performance of the investments. So Gotcha. what'll happen is every tax inside super is just 15%. Okay. Yeah. Gotcha. If you get dividends inside super, they're 15%. If your shares fees grow, 15%. Okay. Yep. No. That makes sense. Cool. Once you're in pension phase, it's all tax free, which is lovely, but you have to wait until you're somewhere between 60 and 67. Gotcha. Cool.","start_word":1437,"end_word":1538,"sentiment":"neutral","sentiment_score":0.0518939308822155},{"text":"One of the cool things to do with Hub is because it's a wrap platform, it's just a fancy word for a very fully featured super fund.","start_word":1539,"end_word":1565,"sentiment":"positive","sentiment_score":0.3408719599246979},{"text":"It's got the most investment options, the most features. One of those Yep. is aggregated trading. So I can't quantify it for you, but what it basically means is when we buy and sell these options, if someone is selling the shares that you're buying, they will actually transfer them to you and switch the parcels without charging brokerage fees. Okay. No worries. Basically, just... I've seen it minimize brokerage fees by 20 to 80%.","start_word":1566,"end_word":1640,"sentiment":"neutral","sentiment_score":0.21650740265846252},{"text":"It's just a handy little feature that they've got. Alright. Awesome. Cool.","start_word":1641,"end_word":1652,"sentiment":"positive","sentiment_score":0.5421463251113892},{"text":"If you go down past there, so there's a number of warn Again, we can't control the weather in the markets, but we can pick the options for you. We've Yep. gone through a number of alternatives, but the main one, there's a fee comparison table on page 15. It's a parasite. Yep. Cool. Now can you see that right hand column? There's a difference column. Yep. So based on current balance, because remember, everything is percentage based. So the bigger the balance, the bigger the the figures go. 80 Yep. $8 is the capital gain for switching the investments. Then we've got a $145 saved on the investment fees based on the current balance.","start_word":1653,"end_word":1767,"sentiment":"neutral","sentiment_score":0.09490132331848145},{"text":"That'll just balloon out. Basically, we're able to get the investment fees in half, which was pretty good. That's awesome.","start_word":1768,"end_word":1787,"sentiment":"positive","sentiment_score":0.5699737668037415},{"text":"$12 more in adviser service fees, and that's purely because this projection factors in the growth for the year and the extra growth from the extra returns and the fee savings, Yep. which is down the bottom. So I would have mentioned to you during the review that you need to be aiming for, like, nine to 10% average for Yep. a high growth return after fees. You're sitting at just shy of nine.","start_word":1788,"end_word":1861,"sentiment":"neutral","sentiment_score":0.25098446011543274},{"text":"The average for new portfolio is more over 11, and that should get it nicely on track as well. Cool.","start_word":1862,"end_word":1881,"sentiment":"positive","sentiment_score":0.4671090841293335},{"text":"No problem. Cool. After that, so we've got a bit of an updated projection there. So, again, based on current balance where you go from a 160,000 in ten years to a 195. So let's say $30 with a grain of salt. But, again, that compounds more as you go up to the higher balances. Yep. Yep. That makes sense. The thing is just underneath that table, you can see that the returns from the current versus the new is we're just trying to keep it consistently double digit across all Yep. No time problem. frames.","start_word":1882,"end_word":1977,"sentiment":"neutral","sentiment_score":0.15213612280786035},{"text":"Cool.","start_word":1978,"end_word":1978,"sentiment":"positive","sentiment_score":0.3956716656684875},{"text":"Any questions on that so far? No.","start_word":1979,"end_word":1985,"sentiment":"neutral","sentiment_score":0.19991834461688995},{"text":"So far, it looks pretty good. Cool.","start_word":1986,"end_word":1992,"sentiment":"positive","sentiment_score":0.5975843071937561},{"text":"Now the next page, you should see an investments table with a blue bar and quite a lot of red and green figures in there, if you can make that out. Yep. Yep. Cool. So because of the way that one investment option been along was going down, I mentioned that the capital gains tax wasn't very much. So we are taking this opportunity to overhaul a lot of the options inside the portfolio to get them Yep. as up to date as we can. So everything that's in red is being sold down. Some of Yep. them in the second last column you can see go to zero. Those ones are being removed. Yep. The ones underneath that, once it hits the seven, six, 35%, they're staying, but we're just rebalancing them back to where they should be. Gotcha. No worries. The green ones at the bottom, these are the new options that we're adding into the portfolio.","start_word":1993,"end_word":2151,"sentiment":"neutral","sentiment_score":0.05674638971686363},{"text":"Awesome.","start_word":2152,"end_word":2152,"sentiment":"positive","sentiment_score":0.39557740092277527},{"text":"No problem. Cool. So the main thing I need to point out here is that there's a few different countries and sectors now than what you had previously. The Benelon option that was underperforming, that's been replaced for a lower fee in month. Lower Yep. fees, better performance. There's also... Because you're in high growth, there is a small portion of your super and kind of safer assets like a term deposit, if that makes Yep. sense. Yeah. That makes sense. Those types of term deposits is actually being phased out by the government next year, and you had a really good return from that one. So what I'm basically saying is we're gonna sell it while it's high before it kind of crashes next year and just switch it out to something else Alright. No worries. beforehand. Cool. Last sort of table here, nineteen will have a pie chart, and it's got kind of all the colors of your asset classes on No worries. So is there just more more sort of growth overseas than there is in Australia? it. Yeah. It's one of those interesting things where the... Think of international as US focused in one sense and then Yep. developing nations Yep. for another sense. You know, second world trying to get up to first world type of nations. Now what tends to happen is Australia has kind of been lagging behind the rest of the world in productivity and growth and things like that. So, Sounds about generally, rough. yeah, it does for us. So, generally speaking, the American shares perform better long term and Yep. also developing nations who are, you know, years getting manufacturing from China and they're growing and Mexico is growing and everyone's growing. Even Argentina is growing, and we're kind of in like a... What do they call it? Close Yep. to stagflation where cost of everything is going up, but we're not growing. Yep. No. That makes sense. So we are favoring pretty heavy towards the international side. It looks like one thing, but when you look at that investment table above, there's about five or six options split between different countries and sectors. So I guess the buzzword there is it's well diversified Yep. to make sure Yep. it's not just reliant on just The US or just The UK. Yep. Okay. No problem. Cool. Still some alternatives in there in terms of gold, little fixed interest in cash in there, which is, again, just a minimum 1.25% that we have to have with Hub. Alright. No problem. The last thing I'll point out on that table is the middle bar. There's a growth total in gray, and it basically says 90%, 92, 93. Yep. And, Yep. essentially, high growth, you sit between 90 to a 100% growth assets. You're sitting at 92. When we rebalance, you'll be sitting at just shy of four. Is that good or is that bad? Well, it basically means that you're almost fully invested in shares property goal, high risk, high return assets.","start_word":2153,"end_word":2662,"sentiment":"neutral","sentiment_score":0.04790428199750536},{"text":"Gotcha.","start_word":2663,"end_word":2663,"sentiment":"positive","sentiment_score":0.4463350772857666},{"text":"So over 10 you're gonna get these really nice returns, goes up and down like a roller coaster every year. When you're closer to retirement, we pair that back down again. So let's say you're ten years off from retirement, we'll go, oh, you're sitting at 90%.","start_word":2664,"end_word":2710,"sentiment":"neutral","sentiment_score":0.22706902027130127},{"text":"At least we think you should now go to eighty, seventy, sixty, fifty, forty, and there you are, your 65, nice, safe pension account.","start_word":2711,"end_word":2734,"sentiment":"positive","sentiment_score":0.4034215211868286},{"text":"Alright. No worries.","start_word":2735,"end_word":2737,"sentiment":"neutral","sentiment_score":0.30827224254608154},{"text":"Cool.","start_word":2738,"end_word":2738,"sentiment":"positive","sentiment_score":0.4237437546253204},{"text":"Please just bear in mind the ETFs I mentioned earlier, these different options just follow those markets. So if the entire Yep.","start_word":2739,"end_word":2760,"sentiment":"neutral","sentiment_score":0.22642356157302856},{"text":"world explodes, your super is gonna dive with it. Your contributions are gonna go in and buy all these shares for a cheaper price. And then when the world covers for five years, you'll get these big returns on the way up again.","start_word":2761,"end_word":2803,"sentiment":"positive","sentiment_score":0.4169738292694092},{"text":"Alright. No worries. Any questions on that? No. Not not so far now. Besides, no, I don't have a crystal ball. I don't know when the world's gonna explode next. It's already happened twice this year, probably once before Christmas and maybe once in the New Year.","start_word":2804,"end_word":2850,"sentiment":"neutral","sentiment_score":-0.041875503957271576},{"text":"But I guess the reassuring thing I can say is that every five years something happens, and we can still get some good growth over 10/20, Yep.","start_word":2851,"end_word":2877,"sentiment":"positive","sentiment_score":0.4073135554790497},{"text":"thirty, forty, fifty Mhmm. years. We can't not invest you to get you up to where you need to be, But part of that is if you watch your super every day, whenever there's a news article, it's gonna follow the news. Gotcha.","start_word":2878,"end_word":2920,"sentiment":"neutral","sentiment_score":0.1846388727426529},{"text":"No problem. Cool. The rest of that document is pretty much just a reminder for the beneficiaries and the state planning side of things.","start_word":2921,"end_word":2944,"sentiment":"positive","sentiment_score":0.40101951360702515},{"text":"I'm not sure if you did actually fill in the forms that we sent through to get your spouse listed on Hub and Clearview, but if I actually not, we've got I actually have not done that.","start_word":2945,"end_word":2981,"sentiment":"neutral","sentiment_score":-0.21920166909694672},{"text":"And I know that's a huge thing that I need to do.","start_word":2982,"end_word":2993,"sentiment":"negative","sentiment_score":-0.3610093891620636},{"text":"I just... That's I okay. know I need a I I need a witness to sign that, and I haven't gotten around to that. But I I actually don't know where I put the form... The the forms. That's okay. I've got fresh ones coming out to you. Sometimes the providers update them, and if you fill out an old one, I should reject it, and it's not Awesome.","start_word":2994,"end_word":3062,"sentiment":"neutral","sentiment_score":-0.14199042320251465},{"text":"very No problem at all. fun. Cool.","start_word":3063,"end_word":3069,"sentiment":"positive","sentiment_score":0.3763103187084198},{"text":"Yep. So we just got spouse listed on those, a 100% binding legally, non lapsing so they don't expire, and we'll get Yep. those updated too.","start_word":3070,"end_word":3095,"sentiment":"neutral","sentiment_score":0.2258044183254242},{"text":"Awesome.","start_word":3096,"end_word":3096,"sentiment":"positive","sentiment_score":0.5097289085388184},{"text":"Actually, one thing I will cap off with before I let you go. So if you Yep. scroll all the way past here, you'll see wills and powers of attorney, and I'm I'm going right down to the pages in the thirties now. So Three page 30. Where am I? Outcomes. Oh, ongoing services. Oh, yep. Well, can I've... I've you already see participated. on page 20 Yep. nine, just before that, there's an ongoing remuneration table. Yep. So one thing that I'm I'm gonna kind of send out to you, I do need to explain it in three ways, unfortunately, just because there's been a few changes, is you're currently under a service agreement with us. We charge 1.65% per annum Okay. spread Yep. throughout the year. Now with the new structure that we've got, we've brought in a tiered fee structure, which essentially K. means that when people get to 200,000, 500,000, and a million, there's lower percentage discounts that get applied Okay. to the balance. So when you get to 200,000, that will kick in. In Yep. the interim, we're offering sort of like a couple's discount of Okay. 1.1%. Alright. I believe you're still with Emma, is it? Yes. Yeah. Yep.","start_word":3097,"end_word":3301,"sentiment":"neutral","sentiment_score":0.03514820034047816},{"text":"So what I would do is if you're comfortable, we'll kind of set this as the plan going forward.","start_word":3302,"end_word":3320,"sentiment":"positive","sentiment_score":0.3699652850627899},{"text":"I can send you out an updated consent form for the discount for twelve months from one point Mhmm. six five to 1.1. And then Okay. in twelve months' time, this one will be onto that new tiered structure as a couple. Yeah. Look. I mean, I'd actually say why not?","start_word":3321,"end_word":3371,"sentiment":"neutral","sentiment_score":0.18981815874576569},{"text":"Cool.","start_word":3372,"end_word":3372,"sentiment":"positive","sentiment_score":0.4511970281600952},{"text":"So, again, I guess the way I would explain it is discount now for twelve months, and then it gets structured together so that as your balances grow as a couple, it'll be a little bit Yep. Gotcha. But we will still have our separate supers. Is that still the case? different then. Yeah. 100%. One Okay. of the things that I've got in line for you down the line is that once your balance is a bit higher, we can do, like, a family fee linking inside Hub. They will actually count your balances as the same when they calculate fees, Yep. but not pull them together. Okay. Cool. No worries. But it's not really... There's no point doing it right now. It's more for, like, if you hit, I think their tiers are 250,000 above. Oh, yeah. Yeah. This is her. No. No. We'll... Again, high growth and everything. We'll get you up there Yep. as quick as we can. Yep. But, basically, what I wanna do is just supply as many fee reductions as I can between Oakview, the super funds, the investment options, everything combined, every dollar has. Okay. No worries. Cool. So, basically, if you're comfortable with this plan, we'd sign off on this one. That'll come back to us, and we will do the investment switches. Generally, on a Friday, we'll do the trade. I would then book in for a review in twelve months' time. Do you want me to book anything else in in between then? Any kind of quarterly catch ups or anything that you might need? I don't think I'll... So, yeah, maybe a quarterly catch up might be a good idea. I'm sort of trying to be on top of everything a bit more now, but... Well, I don't think it really matters, to be honest with you. But, yeah, look. If we can do a quarterly catch up, that'd be good. Yeah.","start_word":3373,"end_word":3696,"sentiment":"neutral","sentiment_score":0.11111370915616},{"text":"Cool. And even if it's just, you know, send a report and a quick catch up and nothing's changed, that's great. If there are major changes, we can jump on it nice and early.","start_word":3697,"end_word":3730,"sentiment":"positive","sentiment_score":0.4770450592041016},{"text":"Yep. No worries. Cool. Like, do you have any questions for me before I let you go? No. I think you're all good. I'm assuming... Sorry. Did you need me to sign all this? Yeah. So if you're comfortable with the investment, get you to Yep. sign this one. And then separately, I'm gonna get the team to send out that discounted fee form as well. Yep. No worries. I'll do that.","start_word":3731,"end_word":3802,"sentiment":"neutral","sentiment_score":0.11977370083332062},{"text":"Cool.","start_word":3803,"end_word":3803,"sentiment":"positive","sentiment_score":0.4356717467308045},{"text":"It'll just be two emails coming out to you today. This one and then one more in and out too. K. Is it also possible to get the, what are the other forms called? Oh, the beneficiaries? That's the ones. Yeah. Yep. I'll get them... Would you prefer them kind of emailed so you can print them and scan back, or should we just post them out with some envelopes? I have to post them out with some onboard, so that's fine. I'll I'll fill them out, get a witness to sign them, and then send them back.","start_word":3804,"end_word":3901,"sentiment":"neutral","sentiment_score":0.11752724647521973},{"text":"Fantastic. Alright. I'll get them posted out.","start_word":3902,"end_word":3908,"sentiment":"positive","sentiment_score":0.43227988481521606},{"text":"No worries at all.","start_word":3909,"end_word":3912,"sentiment":"neutral","sentiment_score":0.314653217792511},{"text":"Awesome. Fantastic. I will sign this one, and pretty much we're good to go. Beautiful. Thank you so much for your time, Lee.","start_word":3913,"end_word":3935,"sentiment":"positive","sentiment_score":0.7765822643819063},{"text":"It's been an absolute No. pleasure. Thank I will schedule in. Let's just have a look October, November, December. So, basically, we kind of shut, like, mid December, you. late December. Yep. I'll punch in for a bit of a catch up in that first week there just to touch base before Christmas. Yep.","start_word":3936,"end_word":3989,"sentiment":"neutral","sentiment_score":0.12087105214595796},{"text":"No problem at all. Awesome, mate. Have a fantastic day, and thank you for your time. Same to you. Thank you. Cheers.","start_word":3990,"end_word":4011,"sentiment":"positive","sentiment_score":0.6798170804977417},{"text":"Bye. Bye.","start_word":4012,"end_word":4013,"sentiment":"neutral","sentiment_score":0.2367105931043625}],"average":{"sentiment":"neutral","sentiment_score":0.09111506660306597}}}}