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So I'm gonna pop that through to your email. Will you be able to access your email with me today to look at the document? Fantastic. Just while I'm popping that through, could I please confirm for security your date of birth and address? Yep. Amazing. Thank you for that. And I'm registered with ASIC as adviser 1273105. Lauren, are you okay for this call to be recorded? Fantastic. So that should pop through pretty instantly. It's from our new system, same one that you used during our annual review. And there's a number of sort of provider documents and extra attachments along with this one. So I'll just kind of if you can pull this document up and in the email, it may go through your spam, but usually the main inbox pretty quickly. Yeah. So you can click that one. It doesn't do anything. It just brings up the documents for us to walk through first. And it should have actually about seven or eight documents there, but the first one is that beachfront city photo and a statement of the file. Perfect. So I'll just get you to scroll through this one with me. I'm not sure if you're on your phone. Like, can you make out the figures? Is it blurry? Yep. No worries. I'll kind of just recap the the. So has the last thing details on it. If you go through to page four and five, there will be a heading called scope of advice in blue. So, basically, just what this document covers advice wise and what we're not giving advice on today. And the main thing for you was we were just updating some of your portfolio even though the performance was really good. If you recall, I did flag one of those investments as a bit underperforming. So I just wanted to give it the old engine tune up if that rings a bell. Yep. Outside of that estate planning, we noted that you didn't wanna put any beneficiaries in place, but we're just putting a reminder in here about wills and powers of attorney and things like that. Cool. Page after that, it just shows that we are factoring in the premiums for the insurances just to make sure we note the impact of those, but we're not giving insurance advice today. Those were all pretty fine. May revisit a debt later. And the page after that in not considered is basically everything to do with cash flow and debt management. So you're already focusing on, like, your renovations, refreshing the home, getting appliances, travel, paying down the mortgage, and you don't really need us to give you advice on that today. Is that right? Perfect. Now, Lauren, if you could skip through two more pages to the about you section, I just wanna double check that all these details that I've based the advice on are correct. There should be a table in the about you, and the page after that is your assets and liabilities. Main things are payroll officer for the occupation, email and phone number look correct, and we just got the home and savings noted down. Cool. So beyond that point, we've got your HubSpot. We've got your Neos income protection. If you could just keep scrolling through, you'll see on ten eleven a risk profile section, which just lists you as a growth investor. So reminder here is that four out of five on the risk scale, 80% in growth assets. We're just trying to get you as much growth as we can, but you're not in high risk. And like we talked about, when you built your super, we can kind of reduce the risk as you get a bit closer to retirement. The main area that I'll kind of summarize for you is on page eleven and twelve. We've got the strategy recommendations. It's quite text heavy. So just let me know when you can see that heading, and I'll break it down. Below that one, so one more page, you should see strategy. Yep. So the main thing is we're not changing super funds at this point. We're continuing the salary sacrifice that you're already doing. So I've factored that in as well. And we're just switching a couple of the investment options around, but it is pretty much a like for like basis. So the fund that wasn't doing so well that was actively managed, we're switching it out for a better one, still the same style, but lower fees, better performance, that kind of thing. Does that make sense? Yep. Again, we do our usual five and ten year projection. I'm not gonna project out the next twenty five, thirty years until we're a bit closer just because so many variables and life changes are gonna happen. I can't obviously predict what it's gonna be like when you're 65 at this point. So if you go down past there, you'll see a salary sacrifice table, which is showing you some advantages and disadvantages in some tables there. Now the main disadvantage for the updates I'm recommending is all of these investments that we're using at Oakview, they are ETFs, which basically means very, very low fees, but we do have to purchase them, which brings some small brokerage fees. That's usually 0.11% to buy them up front, and then they're pretty much the lowest fee investments you can have past that point. So I just wanted to let you know that I've factored that into the projections as well. K. So if you skip past there, you will see risks in terms of, you know, we can't control the stock market. The alternative's being to keep your portfolio as it was and do a bit of a rebalance, which we discounted. And the main two areas I really wanted to show you is on pages fifteen and sixteen. There is a quite a large investments table. If you can let me know when you can see that one. Cool. So the only thing to bring your attention to here is that the second last column is the target weighting, and the left hand side is all the different investment options that we're using. And, basically, everything's pretty much staying the same. I'm just rebalancing everything to be back in line with those original percentages that we recommended. And the third row, that's your Benelon option that we're selling out of. And the very last row, Alfiniti Australian shares, that's the option that I've recommended to replace it. So if you go past there, we've got your cash table on the next page. We've got your asset allocation pie chart on the page after that. That's a nice colorful one there. In the asset allocation the middle row of that table where it says growth total, and it's like a gray bar. So this one will be seventeen and eighteen, and it's like a colored pie chart, lots of orange and blue, and in the middle of the table. So the growth risk profile, you're aiming for about 80%, 80 to 85 in growth assets. You're seeing at 85. Once we rebalance, you're gonna be at 84 and a half. There's pretty much no difference in your growth level. It's just switching them kind of side by side. The fee comparison table on the next page basically just shows you that a small reduction in investment cost, and the very bottom of that table has the performance update there. So it shows a five year rolling average will jump back up from seven to 11 and a half percent. That's going backwards the last five years. K. Last one, there's the updated projection after that, which over five and ten years, if everything goes the way it did the last five and ten years, we're expecting about 40 to a 100,000 difference just by updating those investments. And there's a performance table underneath. And the main thing here is it shows you that one year, three, five, and 10. And I'm just trying to get you that consistent double digit return across all time periods. That's pretty much it, Lauren. That's a super recommendation. Everything else in this document is just reminding why you should have a will in place and so on. Do you have any questions for me? Does that make sense? Sure. So the main thing, I guess, if I can just simplify it a little bit is you've got nine or 10 investment options. I'm making sure that the ones that have gone up and down go back to the middle. The one that was a bad apple gets replaced by another green apple that's a bit better, and we're not changing anything else fundamental about your super right now. Okay. Outside of that, towards the bottom, it's just got your authority to proceed, which we need your consent before we can change anything. It relists the adviser service fees that we've been charging, the commissions for the Neos and so on. But, basically, if you're comfortable with the plan and you sign it, we can basically hop on on Monday and place some trades and get everything switched around pretty quickly. The other documents that are there, a lot of this, when you go through this document, if you click the button, it'll pull you to the spots to sign. There's only three spots for a name, date, and signature, but the other seven documents is basically like a research appendix, your certificate to the insurances, and probably about 1,400 pages of of 24 product info, which you don't have to read through all of that. The Odoo system, you can pretty much just click the buttons for next document, and it'll skip you through. The last two is just our updated financial services guide. Yep. And once you get past that one, so if you go through the bottom, the very, very bottom of that entire document or just click the button, once that document finishes, it'll ask you to look at the next document, and it's basically just a click, click, click, click, click after that. Just to see if you can get through that okay, or you're okay to kinda just click through there. Yep. It is done. I've got a bit of a flag for the team to put this in on Monday. Do you have any last questions for me before I let you go? Yep. No worries at all. Any questions at all, just call, text, or email through. I did kind of touch base during the review, but did you want me to pencil in any other catch ups this year for you or just kind of plug in for that next annual review? Perfect. Alright, Lauren. Well, I know you're working at the moment, so thank you for spending a bit of your Friday lunchtime with me. Anything else I can do before I hop off? Awesome. Well, thank you again. Anything you need, just let us know, but have a fantastic weekend. Thank you. 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afternoon, Lauren. It's Good to hear. Good to hear. I've got your updated advice document ready to send through to you. Do you still have a bit of time for me today?\n\nPerfect. Perfect. So I'm gonna pop that through to your email. Will you be able to access your email with me today to look at the document? Fantastic.\n\nJust while I'm popping that through, could I please confirm for security your date of birth and address? Yep. Amazing. Thank you for that. And I'm registered with ASIC as adviser 1273105.\n\nLauren, are you okay for this call to be recorded? Fantastic. So that should pop through pretty instantly. It's from our new system, same one that you used during our annual review. And there's a number of sort of provider documents and extra attachments along with this one.\n\nSo I'll just kind of if you can pull this document up and in the email, it may go through your spam, but usually the main inbox pretty quickly. Yeah. So you can click that one. It doesn't do anything. It just brings up the documents for us to walk through first.\n\nAnd it should have actually about seven or eight documents there, but the first one is that beachfront city photo and a statement of the file. Perfect. So I'll just get you to scroll through this one with me. I'm not sure if you're on your phone. Like, can you make out the figures?\n\nIs it blurry? Yep. No worries. I'll kind of just recap the the. So has the last thing details on it.\n\nIf you go through to page four and five, there will be a heading called scope of advice in blue. So, basically, just what this document covers advice wise and what we're not giving advice on today. And the main thing for you was we were just updating some of your portfolio even though the performance was really good. If you recall, I did flag one of those investments as a bit underperforming. So I just wanted to give it the old engine tune up if that rings a bell.\n\nYep. Outside of that estate planning, we noted that you didn't wanna put any beneficiaries in place, but we're just putting a reminder in here about wills and powers of attorney and things like that. Cool. Page after that, it just shows that we are factoring in the premiums for the insurances just to make sure we note the impact of those, but we're not giving insurance advice today. Those were all pretty fine.\n\nMay revisit a debt later. And the page after that in not considered is basically everything to do with cash flow and debt management. So you're already focusing on, like, your renovations, refreshing the home, getting appliances, travel, paying down the mortgage, and you don't really need us to give you advice on that today. Is that right? Perfect.\n\nNow, Lauren, if you could skip through two more pages to the about you section, I just wanna double check that all these details that I've based the advice on are correct. There should be a table in the about you, and the page after that is your assets and liabilities. Main things are payroll officer for the occupation, email and phone number look correct, and we just got the home and savings noted down. Cool. So beyond that point, we've got your HubSpot.\n\nWe've got your Neos income protection. If you could just keep scrolling through, you'll see on ten eleven a risk profile section, which just lists you as a growth investor. So reminder here is that four out of five on the risk scale, 80% in growth assets. We're just trying to get you as much growth as we can, but you're not in high risk. And like we talked about, when you built your super, we can kind of reduce the risk as you get a bit closer to retirement.\n\nThe main area that I'll kind of summarize for you is on page eleven and twelve. We've got the strategy recommendations. It's quite text heavy. So just let me know when you can see that heading, and I'll break it down. Below that one, so one more page, you should see strategy.\n\nYep. So the main thing is we're not changing super funds at this point. We're continuing the salary sacrifice that you're already doing. So I've factored that in as well. And we're just switching a couple of the investment options around, but it is pretty much a like for like basis.\n\nSo the fund that wasn't doing so well that was actively managed, we're switching it out for a better one, still the same style, but lower fees, better performance, that kind of thing. Does that make sense? Yep. Again, we do our usual five and ten year projection. I'm not gonna project out the next twenty five, thirty years until we're a bit closer just because so many variables and life changes are gonna happen.\n\nI can't obviously predict what it's gonna be like when you're 65 at this point. So if you go down past there, you'll see a salary sacrifice table, which is showing you some advantages and disadvantages in some tables there. Now the main disadvantage for the updates I'm recommending is all of these investments that we're using at Oakview, they are ETFs, which basically means very, very low fees, but we do have to purchase them, which brings some small brokerage fees. That's usually 0.11% to buy them up front, and then they're pretty much the lowest fee investments you can have past that point. So I just wanted to let you know that I've factored that into the projections as well.\n\nK. So if you skip past there, you will see risks in terms of, you know, we can't control the stock market. The alternative's being to keep your portfolio as it was and do a bit of a rebalance, which we discounted. And the main two areas I really wanted to show you is on pages fifteen and sixteen. There is a quite a large investments table.\n\nIf you can let me know when you can see that one. Cool. So the only thing to bring your attention to here is that the second last column is the target weighting, and the left hand side is all the different investment options that we're using. And, basically, everything's pretty much staying the same. I'm just rebalancing everything to be back in line with those original percentages that we recommended.\n\nAnd the third row, that's your Benelon option that we're selling out of. And the very last row, Alfiniti Australian shares, that's the option that I've recommended to replace it. So if you go past there, we've got your cash table on the next page. We've got your asset allocation pie chart on the page after that. That's a nice colorful one there.\n\nIn the asset allocation the middle row of that table where it says growth total, and it's like a gray bar. So this one will be seventeen and eighteen, and it's like a colored pie chart, lots of orange and blue, and in the middle of the table. So the growth risk profile, you're aiming for about 80%, 80 to 85 in growth assets. You're seeing at 85. Once we rebalance, you're gonna be at 84 and a half.\n\nThere's pretty much no difference in your growth level. It's just switching them kind of side by side. The fee comparison table on the next page basically just shows you that a small reduction in investment cost, and the very bottom of that table has the performance update there. So it shows a five year rolling average will jump back up from seven to 11 and a half percent. That's going backwards the last five years.\n\nK. Last one, there's the updated projection after that, which over five and ten years, if everything goes the way it did the last five and ten years, we're expecting about 40 to a 100,000 difference just by updating those investments. And there's a performance table underneath. And the main thing here is it shows you that one year, three, five, and 10. And I'm just trying to get you that consistent double digit return across all time periods.\n\nThat's pretty much it, Lauren. That's a super recommendation. Everything else in this document is just reminding why you should have a will in place and so on. Do you have any questions for me? Does that make sense?\n\nSure. So the main thing, I guess, if I can just simplify it a little bit is you've got nine or 10 investment options. I'm making sure that the ones that have gone up and down go back to the middle. The one that was a bad apple gets replaced by another green apple that's a bit better, and we're not changing anything else fundamental about your super right now. Okay.\n\nOutside of that, towards the bottom, it's just got your authority to proceed, which we need your consent before we can change anything. It relists the adviser service fees that we've been charging, the commissions for the Neos and so on. But, basically, if you're comfortable with the plan and you sign it, we can basically hop on on Monday and place some trades and get everything switched around pretty quickly. The other documents that are there, a lot of this, when you go through this document, if you click the button, it'll pull you to the spots to sign. There's only three spots for a name, date, and signature, but the other seven documents is basically like a research appendix, your certificate to the insurances, and probably about 1,400 pages of of 24 product info, which you don't have to read through all of that.\n\nThe Odoo system, you can pretty much just click the buttons for next document, and it'll skip you through. The last two is just our updated financial services guide. Yep. And once you get past that one, so if you go through the bottom, the very, very bottom of that entire document or just click the button, once that document finishes, it'll ask you to look at the next document, and it's basically just a click, click, click, click, click after that. Just to see if you can get through that okay, or you're okay to kinda just click through there.\n\nYep. It is done. I've got a bit of a flag for the team to put this in on Monday. Do you have any last questions for me before I let you go? Yep.\n\nNo worries at all. Any questions at all, just call, text, or email through. I did kind of touch base during the review, but did you want me to pencil in any other catch ups this year for you or just kind of plug in for that next annual review? Perfect. Alright, Lauren.\n\nWell, I know you're working at the moment, so thank you for spending a bit of your Friday lunchtime with me. Anything else I can do before I hop off? Awesome. Well, thank you again. Anything you need, just let us know, but have a fantastic weekend.\n\nThank you. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Lauren.","start":2.48,"end":3.28,"sentiment":"neutral","sentiment_score":0.31193604071935016},{"text":"It's Good to hear.","start":3.28,"end":8.96,"sentiment":"positive","sentiment_score":0.6924854964017868},{"text":"Good to hear.","start":8.96,"end":9.78,"sentiment":"positive","sentiment_score":0.5963814854621887},{"text":"I've got your updated advice document ready to send through to you.","start":9.92,"end":12.96,"sentiment":"neutral","sentiment_score":0.2781463873883088},{"text":"Do you still have a bit of time for me today?","start":12.96,"end":14.82,"sentiment":"neutral","sentiment_score":0.10018448734825308}],"sentiment":"neutral","sentiment_score":0.3010509264740077,"num_words":33,"start":2.48,"end":14.82},{"sentences":[{"text":"Perfect.","start":17.155,"end":17.555,"sentiment":"positive","sentiment_score":0.40173208713531494},{"text":"Perfect.","start":17.555,"end":17.955,"sentiment":"positive","sentiment_score":0.3535953164100647},{"text":"So I'm gonna pop that through to your email.","start":17.955,"end":20.695,"sentiment":"neutral","sentiment_score":0.1850987176100413},{"text":"Will you be able to access your email with me today to look at the document?","start":21.154999,"end":24.375,"sentiment":"neutral","sentiment_score":0.1278688171878457},{"text":"Fantastic.","start":26.835,"end":27.335,"sentiment":"neutral","sentiment_score":0.32559335231781006}],"sentiment":"neutral","sentiment_score":0.17116822461996758,"num_words":28,"start":17.155,"end":27.335},{"sentences":[{"text":"Just while I'm popping that through, could I please confirm for security your date of birth and address?","start":27.955,"end":34.02,"sentiment":"neutral","sentiment_score":0.10513728174070518},{"text":"Yep.","start":42.495003,"end":42.995003,"sentiment":"neutral","sentiment_score":0.04821685701608658},{"text":"Amazing.","start":47.535,"end":48.035,"sentiment":"positive","sentiment_score":0.3907288610935211},{"text":"Thank you for that.","start":48.095,"end":48.815002,"sentiment":"positive","sentiment_score":0.5214313343167305},{"text":"And I'm registered with ASIC as adviser 1273105.","start":48.815002,"end":52.995003,"sentiment":"neutral","sentiment_score":0.2043672576546669}],"sentiment":"neutral","sentiment_score":0.18912750587332994,"num_words":32,"start":27.955,"end":52.995003},{"sentences":[{"text":"Lauren, are you okay for this call to be recorded?","start":53.295002,"end":55.315002,"sentiment":"neutral","sentiment_score":0.08211437352001667},{"text":"Fantastic.","start":58.1,"end":58.6,"sentiment":"positive","sentiment_score":0.3481387495994568},{"text":"So that should pop through pretty instantly.","start":58.899998,"end":60.84,"sentiment":"neutral","sentiment_score":0.32601355016231537},{"text":"It's from our new system, same one that you used during our annual review.","start":61.62,"end":66.52,"sentiment":"neutral","sentiment_score":0.12685767614415713},{"text":"And there's a number of sort of provider documents and extra attachments along with this one.","start":67.06,"end":74.30499,"sentiment":"neutral","sentiment_score":0.05920028849504888}],"sentiment":"neutral","sentiment_score":0.1286372795390586,"num_words":48,"start":53.295002,"end":74.30499},{"sentences":[{"text":"So I'll just kind of if you can pull this document up and in the email, it may go through your spam, but usually the main inbox pretty quickly.","start":74.604996,"end":83.985,"sentiment":"neutral","sentiment_score":-0.02300058476273613},{"text":"Yeah.","start":90.479996,"end":90.979996,"sentiment":"neutral","sentiment_score":-0.005979946814477444},{"text":"So you can click that one.","start":91.119995,"end":92.399994,"sentiment":"neutral","sentiment_score":-0.0120884928231438},{"text":"It doesn't do anything.","start":92.399994,"end":93.28,"sentiment":"neutral","sentiment_score":-0.0544264055788517},{"text":"It just brings up the documents for us to walk through first.","start":93.28,"end":96.1,"sentiment":"neutral","sentiment_score":0.01180438914646705}],"sentiment":"neutral","sentiment_score":-0.015799631046740197,"num_words":52,"start":74.604996,"end":96.1},{"sentences":[{"text":"And it should have actually about seven or eight documents there, but the first one is that beachfront city photo and a statement of the file.","start":98.814995,"end":107.555,"sentiment":"neutral","sentiment_score":0.03123311261431529},{"text":"Perfect.","start":109.63,"end":110.13,"sentiment":"neutral","sentiment_score":0.1422216296195984},{"text":"So I'll just get you to scroll through this one with me.","start":110.27,"end":112.77,"sentiment":"neutral","sentiment_score":0.08989228991170724},{"text":"I'm not sure if you're on your phone.","start":112.829994,"end":114.10999,"sentiment":"neutral","sentiment_score":-0.0242425506003201},{"text":"Like, can you make out the figures?","start":114.10999,"end":115.549995,"sentiment":"neutral","sentiment_score":-0.013410634760345732}],"sentiment":"neutral","sentiment_score":0.03231805904457966,"num_words":54,"start":98.814995,"end":115.549995},{"sentences":[{"text":"Is it blurry?","start":115.549995,"end":116.369995,"sentiment":"neutral","sentiment_score":-0.06291253119707108},{"text":"Yep.","start":120.35,"end":120.67,"sentiment":"neutral","sentiment_score":0.02548348158597946},{"text":"No worries.","start":120.67,"end":121.229996,"sentiment":"neutral","sentiment_score":0.03678940515965223},{"text":"I'll kind of just recap the the.","start":121.229996,"end":124.985,"sentiment":"neutral","sentiment_score":0.04320331024272101},{"text":"So has the last thing details on it.","start":125.685,"end":128.405,"sentiment":"neutral","sentiment_score":0.037061091512441635}],"sentiment":"neutral","sentiment_score":0.024249362005364327,"num_words":21,"start":115.549995,"end":128.405},{"sentences":[{"text":"If you go through to page four and five, there will be a heading called scope of advice in blue.","start":128.405,"end":136.185,"sentiment":"neutral","sentiment_score":0.026987869618460537},{"text":"So, basically, just what this document covers advice wise and what we're not giving advice on today.","start":136.43001,"end":141.73001,"sentiment":"neutral","sentiment_score":-0.14081720438073664},{"text":"And the main thing for you was we were just updating some of your portfolio even though the performance was really good.","start":142.19,"end":149.565,"sentiment":"neutral","sentiment_score":-0.13874769820408386},{"text":"If you recall, I did flag one of those investments as a bit underperforming.","start":149.645,"end":153.585,"sentiment":"negative","sentiment_score":-0.35634151633296696},{"text":"So I just wanted to give it the old engine tune up if that rings a bell.","start":154.045,"end":157.505,"sentiment":"neutral","sentiment_score":-0.15361520910964294}],"sentiment":"neutral","sentiment_score":-0.13896471362354026,"num_words":90,"start":128.405,"end":157.505},{"sentences":[{"text":"Yep.","start":159.005,"end":159.505,"sentiment":"neutral","sentiment_score":0.09511594474315643},{"text":"Outside of that estate planning, we noted that you didn't wanna put any beneficiaries in place, but we're just putting a reminder in here about wills and powers of attorney and things like that.","start":159.88501,"end":171.46,"sentiment":"neutral","sentiment_score":0.005149510182330713},{"text":"Cool.","start":173.04001,"end":173.54001,"sentiment":"neutral","sentiment_score":0.31750422716140747},{"text":"Page after that, it just shows that we are factoring in the premiums for the insurances just to make sure we note the impact of those, but we're not giving insurance advice today.","start":173.84,"end":184.465,"sentiment":"neutral","sentiment_score":0.09093828318697034},{"text":"Those were all pretty fine.","start":184.92499,"end":186.385,"sentiment":"positive","sentiment_score":0.3431808739900589}],"sentiment":"neutral","sentiment_score":0.07168339504356924,"num_words":74,"start":159.005,"end":186.385},{"sentences":[{"text":"May revisit a debt later.","start":187.245,"end":188.78499,"sentiment":"neutral","sentiment_score":0.005635944008827209},{"text":"And the page after that in not considered is basically everything to do with cash flow and debt management.","start":189.165,"end":196.6,"sentiment":"neutral","sentiment_score":-0.019856160212504238},{"text":"So you're already focusing on, like, your renovations, refreshing the home, getting appliances, travel, paying down the mortgage, and you don't really need us to give you advice on that today.","start":196.98001,"end":208.535,"sentiment":"neutral","sentiment_score":0.14779783184489897},{"text":"Is that right?","start":208.755,"end":209.57501,"sentiment":"neutral","sentiment_score":0.1559557964404424},{"text":"Perfect.","start":214.035,"end":214.535,"sentiment":"positive","sentiment_score":0.5339891910552979}],"sentiment":"neutral","sentiment_score":0.08872037361991608,"num_words":59,"start":187.245,"end":214.535},{"sentences":[{"text":"Now, Lauren, if you could skip through two more pages to the about you section, I just wanna double check that all these details that I've based the advice on are correct.","start":214.91501,"end":224.51,"sentiment":"neutral","sentiment_score":0.11277268186677247},{"text":"There should be a table in the about you, and the page after that is your assets and liabilities.","start":225.20999,"end":230.75,"sentiment":"neutral","sentiment_score":0.0791127928777745},{"text":"Main things are payroll officer for the occupation, email and phone number look correct, and we just got the home and savings noted down.","start":231.69,"end":243.73499,"sentiment":"neutral","sentiment_score":0.07036710546041529},{"text":"Cool.","start":247.89,"end":248.12999,"sentiment":"neutral","sentiment_score":0.2727404534816742},{"text":"So beyond that point, we've got your HubSpot.","start":248.12999,"end":250.62999,"sentiment":"neutral","sentiment_score":0.1365227922797203}],"sentiment":"neutral","sentiment_score":0.09720955008552187,"num_words":84,"start":214.91501,"end":250.62999},{"sentences":[{"text":"We've got your Neos income protection.","start":250.84999,"end":253.34999,"sentiment":"neutral","sentiment_score":0.14913405974706015},{"text":"If you could just keep scrolling through, you'll see on ten eleven a risk profile section, which just lists you as a growth investor.","start":253.65,"end":262.15,"sentiment":"neutral","sentiment_score":0.10862372380991776},{"text":"So reminder here is that four out of five on the risk scale, 80% in growth assets.","start":267.355,"end":272.955,"sentiment":"neutral","sentiment_score":0.09036698060877182},{"text":"We're just trying to get you as much growth as we can, but you're not in high risk.","start":272.955,"end":276.655,"sentiment":"neutral","sentiment_score":0.23541240849428707},{"text":"And like we talked about, when you built your super, we can kind of reduce the risk as you get a bit closer to retirement.","start":276.88998,"end":283.38998,"sentiment":"neutral","sentiment_score":0.32543292343616487}],"sentiment":"neutral","sentiment_score":0.19345843154523107,"num_words":90,"start":250.84999,"end":283.38998},{"sentences":[{"text":"The main area that I'll kind of summarize for you is on page eleven and twelve.","start":286.33,"end":290.27,"sentiment":"neutral","sentiment_score":0.21373156923800707},{"text":"We've got the strategy recommendations.","start":291.185,"end":293.285,"sentiment":"neutral","sentiment_score":0.22206810712814332},{"text":"It's quite text heavy.","start":293.98502,"end":295.665,"sentiment":"neutral","sentiment_score":0.13782772235572338},{"text":"So just let me know when you can see that heading, and I'll break it down.","start":295.665,"end":298.565,"sentiment":"neutral","sentiment_score":0.10490773478522897},{"text":"Below that one, so one more page, you should see strategy.","start":303.36,"end":306.97998,"sentiment":"neutral","sentiment_score":0.07611280611970207}],"sentiment":"neutral","sentiment_score":0.14609848378369442,"num_words":52,"start":286.33,"end":306.97998},{"sentences":[{"text":"Yep.","start":309.19998,"end":309.44,"sentiment":"neutral","sentiment_score":0.13617567718029022},{"text":"So the main thing is we're not changing super funds at this point.","start":309.44,"end":313.38,"sentiment":"neutral","sentiment_score":-0.07894021043410668},{"text":"We're continuing the salary sacrifice that you're already doing.","start":313.68,"end":317.415,"sentiment":"neutral","sentiment_score":-0.10883267886108822},{"text":"So I've factored that in as well.","start":317.815,"end":319.595,"sentiment":"neutral","sentiment_score":0.0740292641733374},{"text":"And we're just switching a couple of the investment options around, but it is pretty much a like for like basis.","start":320.215,"end":327.195,"sentiment":"neutral","sentiment_score":0.03186014968724478}],"sentiment":"neutral","sentiment_score":-0.013377905403282129,"num_words":51,"start":309.19998,"end":327.195},{"sentences":[{"text":"So the fund that wasn't doing so well that was actively managed, we're switching it out for a better one, still the same style, but lower fees, better performance, that kind of thing.","start":327.495,"end":338.06998,"sentiment":"neutral","sentiment_score":0.019475544266628498},{"text":"Does that make sense?","start":338.06998,"end":339.12997,"sentiment":"neutral","sentiment_score":0.15414249897003174},{"text":"Yep.","start":340.78998,"end":341.28998,"sentiment":"neutral","sentiment_score":0.1037868708372116},{"text":"Again, we do our usual five and ten year projection.","start":341.43,"end":344.16998,"sentiment":"neutral","sentiment_score":0.07688266821205617},{"text":"I'm not gonna project out the next twenty five, thirty years until we're a bit closer just because so many variables and life changes are gonna happen.","start":344.625,"end":352.645,"sentiment":"neutral","sentiment_score":-0.03390578002910371}],"sentiment":"neutral","sentiment_score":0.016218939318011206,"num_words":75,"start":327.495,"end":352.645},{"sentences":[{"text":"I can't obviously predict what it's gonna be like when you're 65 at this point.","start":352.705,"end":357.125,"sentiment":"neutral","sentiment_score":-0.1499942531188329},{"text":"So if you go down past there, you'll see a salary sacrifice table, which is showing you some advantages and disadvantages in some tables there.","start":359.44,"end":371.7,"sentiment":"neutral","sentiment_score":-0.036491842307150364},{"text":"Now the main disadvantage for the updates I'm recommending is all of these investments that we're using at Oakview, they are ETFs, which basically means very, very low fees, but we do have to purchase them, which brings some small brokerage fees.","start":372.82498,"end":390.4,"sentiment":"neutral","sentiment_score":-0.061539554791081516},{"text":"That's usually 0.11% to buy them up front, and then they're pretty much the lowest fee investments you can have past that point.","start":390.53998,"end":398.825,"sentiment":"neutral","sentiment_score":0.17606592558972214},{"text":"So I just wanted to let you know that I've factored that into the projections as well.","start":398.965,"end":402.665,"sentiment":"neutral","sentiment_score":0.2398520357468549}],"sentiment":"neutral","sentiment_score":0.019509260168634964,"num_words":122,"start":352.705,"end":402.665},{"sentences":[{"text":"K.","start":404.48502,"end":404.725,"sentiment":"neutral","sentiment_score":0.01734505221247673},{"text":"So if you skip past there, you will see risks in terms of, you know, we can't control the stock market.","start":404.725,"end":412.265,"sentiment":"neutral","sentiment_score":-0.14906230834977968},{"text":"The alternative's being to keep your portfolio as it was and do a bit of a rebalance, which we discounted.","start":412.52,"end":418.14,"sentiment":"neutral","sentiment_score":0.00701951370574534},{"text":"And the main two areas I really wanted to show you is on pages fifteen and sixteen.","start":418.84,"end":425.995,"sentiment":"neutral","sentiment_score":0.1542640788590207},{"text":"There is a quite a large investments table.","start":426.29498,"end":429.095,"sentiment":"neutral","sentiment_score":0.06092829490080476}],"sentiment":"neutral","sentiment_score":0.00204988881778806,"num_words":67,"start":404.48502,"end":429.095},{"sentences":[{"text":"If you can let me know when you can see that one.","start":429.095,"end":431.19498,"sentiment":"neutral","sentiment_score":0.055178098691006504},{"text":"Cool.","start":434.13498,"end":434.63498,"sentiment":"positive","sentiment_score":0.4840666651725769},{"text":"So the only thing to bring your attention to here is that the second last column is the target weighting, and the left hand side is all the different investment options that we're using.","start":434.69498,"end":445.13998,"sentiment":"neutral","sentiment_score":0.23370014744646408},{"text":"And, basically, everything's pretty much staying the same.","start":445.36,"end":448.9,"sentiment":"neutral","sentiment_score":0.31141043454408646},{"text":"I'm just rebalancing everything to be back in line with those original percentages that we recommended.","start":448.96,"end":454.565,"sentiment":"neutral","sentiment_score":0.265793246217072}],"sentiment":"neutral","sentiment_score":0.22304203209113066,"num_words":71,"start":429.095,"end":454.565},{"sentences":[{"text":"And the third row, that's your Benelon option that we're selling out of.","start":455.10498,"end":460.405,"sentiment":"neutral","sentiment_score":0.06519369952953778},{"text":"And the very last row, Alfiniti Australian shares, that's the option that I've recommended to replace it.","start":460.465,"end":467.19,"sentiment":"neutral","sentiment_score":0.055879716487491835},{"text":"So if you go past there, we've got your cash table on the next page.","start":469.59,"end":473.29,"sentiment":"neutral","sentiment_score":0.08876861035823821},{"text":"We've got your asset allocation pie chart on the page after that.","start":473.67,"end":478.17,"sentiment":"neutral","sentiment_score":0.12816770747303963},{"text":"That's a nice colorful one there.","start":478.63,"end":480.57,"sentiment":"neutral","sentiment_score":0.3274516512950261}],"sentiment":"neutral","sentiment_score":0.10526547344431045,"num_words":63,"start":455.10498,"end":480.57},{"sentences":[{"text":"In the asset allocation the middle row of that table where it says growth total, and it's like a gray bar.","start":481.60498,"end":491.94498,"sentiment":"neutral","sentiment_score":0.0627095497080258},{"text":"So this one will be seventeen and eighteen, and it's like a colored pie chart, lots of orange and blue, and in the middle of the table.","start":497.30002,"end":506.28,"sentiment":"neutral","sentiment_score":0.06073692516872176},{"text":"So the growth risk profile, you're aiming for about 80%, 80 to 85 in growth assets.","start":508.445,"end":514.385,"sentiment":"neutral","sentiment_score":0.09720679582096636},{"text":"You're seeing at 85.","start":514.525,"end":516.145,"sentiment":"neutral","sentiment_score":0.10577099956572056},{"text":"Once we rebalance, you're gonna be at 84 and a half.","start":516.205,"end":519.09,"sentiment":"neutral","sentiment_score":0.18856726857748898}],"sentiment":"neutral","sentiment_score":0.08872696467309812,"num_words":79,"start":481.60498,"end":519.09},{"sentences":[{"text":"There's pretty much no difference in your growth level.","start":519.25,"end":522.15,"sentiment":"neutral","sentiment_score":0.035350784245464534},{"text":"It's just switching them kind of side by side.","start":522.29004,"end":525.11005,"sentiment":"neutral","sentiment_score":0.06467172151638402},{"text":"The fee comparison table on the next page basically just shows you that a small reduction in investment cost, and the very bottom of that table has the performance update there.","start":529.57,"end":543.255,"sentiment":"neutral","sentiment_score":0.2523393169526131},{"text":"So it shows a five year rolling average will jump back up from seven to 11 and a half percent.","start":543.81,"end":550.39,"sentiment":"neutral","sentiment_score":0.3303898237645626},{"text":"That's going backwards the last five years.","start":550.85004,"end":553.27,"sentiment":"neutral","sentiment_score":-0.07587042397686414}],"sentiment":"neutral","sentiment_score":0.19472927480053745,"num_words":76,"start":519.25,"end":553.27},{"sentences":[{"text":"K.","start":557.535,"end":558.035,"sentiment":"neutral","sentiment_score":0.04835832864046097},{"text":"Last one, there's the updated projection after that, which over five and ten years, if everything goes the way it did the last five and ten years, we're expecting about 40 to a 100,000 difference just by updating those investments.","start":558.095,"end":572.04,"sentiment":"neutral","sentiment_score":0.20120490863919258},{"text":"And there's a performance table underneath.","start":572.74,"end":574.89996,"sentiment":"neutral","sentiment_score":0.21073325971762338},{"text":"And the main thing here is it shows you that one year, three, five, and 10.","start":574.89996,"end":579.77997,"sentiment":"neutral","sentiment_score":0.2824399033561349},{"text":"And I'm just trying to get you that consistent double digit return across all time periods.","start":579.77997,"end":584.76,"sentiment":"positive","sentiment_score":0.44483480602502823}],"sentiment":"neutral","sentiment_score":0.26578923522294323,"num_words":79,"start":557.535,"end":584.76},{"sentences":[{"text":"That's pretty much it, Lauren.","start":590.855,"end":592.455,"sentiment":"positive","sentiment_score":0.5929367065429687},{"text":"That's a super recommendation.","start":592.455,"end":594.235,"sentiment":"positive","sentiment_score":0.7944368720054626},{"text":"Everything else in this document is just reminding why you should have a will in place and so on.","start":594.53503,"end":599.915,"sentiment":"positive","sentiment_score":0.44796699756070185},{"text":"Do you have any questions for me?","start":600.76996,"end":602.05,"sentiment":"neutral","sentiment_score":0.17080714660031454},{"text":"Does that make sense?","start":602.05,"end":603.02997,"sentiment":"neutral","sentiment_score":0.13126851618289948}],"sentiment":"positive","sentiment_score":0.4198596939826623,"num_words":39,"start":590.855,"end":603.02997},{"sentences":[{"text":"Sure.","start":607.41,"end":607.64996,"sentiment":"neutral","sentiment_score":0.10194028168916702},{"text":"So the main thing, I guess, if I can just simplify it a little bit is you've got nine or 10 investment options.","start":607.64996,"end":614.23,"sentiment":"neutral","sentiment_score":0.17279699120832526},{"text":"I'm making sure that the ones that have gone up and down go back to the middle.","start":614.69495,"end":618.475,"sentiment":"neutral","sentiment_score":0.08669947482207242},{"text":"The one that was a bad apple gets replaced by another green apple that's a bit better, and we're not changing anything else fundamental about your super right now.","start":618.77496,"end":627.99,"sentiment":"neutral","sentiment_score":-0.17149534975660258},{"text":"Okay.","start":630.31,"end":630.81,"sentiment":"neutral","sentiment_score":0.0814126506447792}],"sentiment":"neutral","sentiment_score":0.00927055857970681,"num_words":71,"start":607.41,"end":630.81},{"sentences":[{"text":"Outside of that, towards the bottom, it's just got your authority to proceed, which we need your consent before we can change anything.","start":631.67,"end":638.89,"sentiment":"neutral","sentiment_score":0.0727968530162521},{"text":"It relists the adviser service fees that we've been charging, the commissions for the Neos and so on.","start":639.75,"end":646.375,"sentiment":"neutral","sentiment_score":0.14784137283762297},{"text":"But, basically, if you're comfortable with the plan and you sign it, we can basically hop on on Monday and place some trades and get everything switched around pretty quickly.","start":646.515,"end":655.415,"sentiment":"neutral","sentiment_score":0.311487552523613},{"text":"The other documents that are there, a lot of this, when you go through this document, if you click the button, it'll pull you to the spots to sign.","start":659.09,"end":666.79004,"sentiment":"neutral","sentiment_score":0.014194875152717376},{"text":"There's only three spots for a name, date, and signature, but the other seven documents is basically like a research appendix, your certificate to the insurances, and probably about 1,400 pages of of 24 product info, which you don't have to read through all of that.","start":667.25,"end":687.04,"sentiment":"neutral","sentiment_score":0.0473857793106657}],"sentiment":"neutral","sentiment_score":0.1114486036567043,"num_words":146,"start":631.67,"end":687.04},{"sentences":[{"text":"The Odoo system, you can pretty much just click the buttons for next document, and it'll skip you through.","start":687.18,"end":693.51996,"sentiment":"neutral","sentiment_score":0.10055811252248914},{"text":"The last two is just our updated financial services guide.","start":694.06,"end":697.2,"sentiment":"neutral","sentiment_score":0.031655792891979215},{"text":"Yep.","start":704.955,"end":705.275,"sentiment":"neutral","sentiment_score":0.13049796223640442},{"text":"And once you get past that one, so if you go through the bottom, the very, very bottom of that entire document or just click the button, once that document finishes, it'll ask you to look at the next document, and it's basically just a click, click, click, click, click after that.","start":705.275,"end":721.42004,"sentiment":"neutral","sentiment_score":0.03951654916342635},{"text":"Just to see if you can get through that okay, or you're okay to kinda just click through there.","start":726.375,"end":731.755,"sentiment":"neutral","sentiment_score":0.06965304224898941}],"sentiment":"neutral","sentiment_score":0.056791370181311474,"num_words":101,"start":687.18,"end":731.755},{"sentences":[{"text":"Yep.","start":737.44,"end":737.92004,"sentiment":"neutral","sentiment_score":0.2685486376285553},{"text":"It is done.","start":737.92004,"end":738.82,"sentiment":"positive","sentiment_score":0.37143760919570923},{"text":"I've got a bit of a flag for the team to put this in on Monday.","start":739.52,"end":743.54004,"sentiment":"neutral","sentiment_score":0.2606113916262984},{"text":"Do you have any last questions for me before I let you go?","start":743.92004,"end":746.58,"sentiment":"neutral","sentiment_score":0.031822261902002186},{"text":"Yep.","start":751.935,"end":752.33496,"sentiment":"neutral","sentiment_score":0.20397649705410004}],"sentiment":"neutral","sentiment_score":0.18147969508872314,"num_words":34,"start":737.44,"end":752.33496},{"sentences":[{"text":"No worries at all.","start":752.33496,"end":753.135,"sentiment":"neutral","sentiment_score":0.25506435334682465},{"text":"Any questions at all, just call, text, or email through.","start":753.135,"end":756.115,"sentiment":"neutral","sentiment_score":0.1812195211648941},{"text":"I did kind of touch base during the review, but did you want me to pencil in any other catch ups this year for you or just kind of plug in for that next annual review?","start":757.21497,"end":767.62,"sentiment":"neutral","sentiment_score":-0.058984371109141245},{"text":"Perfect.","start":771.04,"end":771.54,"sentiment":"positive","sentiment_score":0.6153802871704102},{"text":"Alright, Lauren.","start":771.92,"end":772.63995,"sentiment":"neutral","sentiment_score":0.14595569018274546}],"sentiment":"neutral","sentiment_score":0.0304963572196803,"num_words":53,"start":752.33496,"end":772.63995},{"sentences":[{"text":"Well, I know you're working at the moment, so thank you for spending a bit of your Friday lunchtime with me.","start":772.63995,"end":778.42,"sentiment":"positive","sentiment_score":0.3759817363960402},{"text":"Anything else I can do before I hop off?","start":778.935,"end":783.73505,"sentiment":"neutral","sentiment_score":0.08636268228292465},{"text":"Awesome.","start":783.73505,"end":784.23505,"sentiment":"positive","sentiment_score":0.7387127876281738},{"text":"Well, thank you again.","start":784.29504,"end":785.435,"sentiment":"positive","sentiment_score":0.7789945602416992},{"text":"Anything you need, just let us know, but have a fantastic weekend.","start":785.655,"end":789.03503,"sentiment":"positive","sentiment_score":0.5737845500310262}],"sentiment":"positive","sentiment_score":0.41304226029426494,"num_words":47,"start":772.63995,"end":789.03503},{"sentences":[{"text":"Thank you.","start":791.495,"end":792.055,"sentiment":"positive","sentiment_score":0.7256663143634796},{"text":"Bye.","start":792.055,"end":792.555,"sentiment":"neutral","sentiment_score":-0.09492717683315276}],"sentiment":"positive","sentiment_score":0.4521351506312688,"num_words":3,"start":791.495,"end":792.555}]}}]},{"alternatives":[{"transcript":"Hello? Good. Yep. Yep. Address is Unit 460 King George Floyd Digital, and date of birth is sixteen to the second eighty four. Yep. Yeah. I've got the email, but there's only a link to say sign document. Do I click that? Yeah. I can see it's just very small. Yep. Yes. Yeah. Yeah. Yep. Yep. Yeah. The grid heading? Yep. Yeah. Yes. Mhmm. Yep. Yeah. On which page? Yeah. Yeah. Mhmm. Yep. Not really, but yeah. Okay. Yep. I only had one document in there. Like, the email just says sign document, but text me to the one thing. Okay. Okay. If you if I saw it and text me the next one, then I'll should be alright. No. I'll have to read through this later. Once I finish working, I'll sign it. Yep. No. No. That end is fine. 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only had one document in there.","start":698.13995,"end":700.07996,"sentiment":"neutral","sentiment_score":-0.011785072673644339},{"text":"Like, the email just says sign document, but text me to the one thing.","start":700.62,"end":703.92,"sentiment":"neutral","sentiment_score":0.00007526902481913554}],"sentiment":"neutral","sentiment_score":-0.0129945681395906,"num_words":27,"start":604.32,"end":703.92},{"sentences":[{"text":"Okay.","start":718.345,"end":718.845,"sentiment":"neutral","sentiment_score":0.04807465523481369},{"text":"Okay.","start":721.46497,"end":721.96497,"sentiment":"neutral","sentiment_score":0.10391546785831451},{"text":"If you if I saw it and text me the next one, then I'll should be alright.","start":732.73,"end":736.42505,"sentiment":"neutral","sentiment_score":0.10496306923382423},{"text":"No.","start":746.885,"end":747.205,"sentiment":"neutral","sentiment_score":-0.13687653839588165},{"text":"I'll have to read through this later.","start":747.205,"end":748.48505,"sentiment":"neutral","sentiment_score":-0.09831525704690389}],"sentiment":"neutral","sentiment_score":0.04115848008681227,"num_words":27,"start":718.345,"end":748.48505},{"sentences":[{"text":"Once I finish working, I'll sign it.","start":748.48505,"end":750.585,"sentiment":"neutral","sentiment_score":0.05737565777131489},{"text":"Yep.","start":756.39,"end":756.89,"sentiment":"neutral","sentiment_score":0.17087119817733765},{"text":"No.","start":765.75,"end":766.065,"sentiment":"negative","sentiment_score":-0.3357771933078766},{"text":"No.","start":766.545,"end":767.045,"sentiment":"neutral","sentiment_score":-0.22900372743606567},{"text":"That end is fine.","start":768.465,"end":769.525,"sentiment":"neutral","sentiment_score":0.258605282753706}],"sentiment":"neutral","sentiment_score":0.07443864377481597,"num_words":14,"start":748.48505,"end":769.525},{"sentences":[{"text":"No.","start":781.665,"end":781.89,"sentiment":"neutral","sentiment_score":-0.026994556188583377},{"text":"Thank you.","start":789.33,"end":789.91003,"sentiment":"positive","sentiment_score":0.7840641140937805}],"sentiment":"positive","sentiment_score":0.5137112239996592,"num_words":3,"start":781.665,"end":789.91003}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon, Lauren. It's\n\nChannel 1: Good.\n\nChannel 0: Good to hear. Good to hear. I've got your updated advice document ready to send through to you. Do you still have a bit of time for me today?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Perfect. So I'm gonna pop that through to your email. Will you be able to access your email with me today to look at the document?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. Just while I'm popping that through, could I please confirm for security your date of birth and address?\n\nChannel 1: Address is Unit 460 King George Floyd Digital,\n\nChannel 0: Yep.\n\nChannel 1: and date of birth is sixteen to the second eighty four.\n\nChannel 0: Amazing. Thank you for that. And I'm registered with ASIC as adviser 1273105. Lauren, are you okay for this call to be recorded?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. So that should pop through pretty instantly. It's from our new system, same one that you used during our annual review. And there's a number of sort of provider documents and extra attachments along with this one. So\n\nChannel 1: Yeah.\n\nChannel 0: I'll just kind of if you can pull this document up and in the email, it may go through your spam, but usually the main inbox pretty quickly.\n\nChannel 1: I've got the email, but there's only a link to say sign document. Do I click that?\n\nChannel 0: Yeah. So you can click that one. It doesn't do anything. It just brings up the documents for us to walk through first. And it should have actually about seven or eight documents there, but the first one is that beachfront city photo and a statement of the file.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. So I'll just get you to scroll through this one with me. I'm not sure if you're on your phone. Like, can you make out the figures? Is it blurry?\n\nChannel 1: I can see it's just very small.\n\nChannel 0: Yep. No worries. I'll kind of just recap the the. So has the last thing details on it. If you go through to page four and five, there will be a heading called scope of advice\n\nChannel 1: Yep.\n\nChannel 0: in blue. So, basically, just what this document covers advice wise and what we're not giving advice on today. And the main thing for you was we were just updating some of your portfolio even though the performance was really good. If you recall, I did flag one of those investments as a bit underperforming. So I just wanted to give it the old engine tune up if that rings a bell.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Outside of that estate planning, we noted that you didn't wanna put any beneficiaries in place, but we're just putting a reminder in here about wills and powers of attorney and things like that.\n\nChannel 1: Yeah.\n\nChannel 0: Cool. Page after that, it just shows that we are factoring in the premiums for the insurances just to make sure we note the impact of those, but we're not giving insurance advice today. Those were all pretty fine. May revisit a debt later. And the page after that in not considered is basically everything to do with cash flow and debt management.\n\nSo you're already focusing on, like, your renovations, refreshing the home, getting appliances, travel, paying down the mortgage, and you don't really need us to give you advice on that today. Is that right? Perfect. Now, Lauren, if you could skip through two more pages to the about you section, I just wanna double check that all these details that I've based the advice on are correct. There should be a table in the about you, and the page after that is your assets and liabilities.\n\nMain things are payroll officer for the occupation, email and phone number look correct, and\n\nChannel 1: Yeah.\n\nChannel 0: we just got the home and savings noted down.\n\nChannel 1: Yep.\n\nChannel 0: Cool. So beyond that point, we've got your HubSpot. We've got your Neos income protection. If you could just keep scrolling through, you'll see on ten eleven a risk profile section, which just lists you as a growth investor.\n\nChannel 1: Yep.\n\nChannel 0: So reminder here is that four out of five on the risk scale, 80% in growth assets. We're just trying to get you as much growth as we can, but you're not in high risk. And like we talked about, when you built your super, we can kind of reduce the risk as you get a bit closer to retirement.\n\nChannel 1: Yeah.\n\nChannel 0: The main area that I'll kind of summarize for you is on page eleven and twelve. We've got the strategy recommendations. It's quite text heavy. So just let me know when you can see that heading, and I'll break it down.\n\nChannel 1: The grid heading?\n\nChannel 0: Below that one, so one more page, you should see strategy.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So the main thing is we're not changing super funds at this point. We're continuing the salary sacrifice that you're already doing. So I've factored that in as well. And we're just switching a couple of the investment options around, but it is pretty much a like for like basis.\n\nSo the fund that wasn't doing so well that was actively managed, we're switching it out for a better one, still the same style, but lower fees, better performance, that kind of thing. Does that make sense? Yep. Again, we do our usual five and ten year projection. I'm not gonna project out the next twenty five, thirty years until we're a bit closer just because so many\n\nChannel 1: Yeah.\n\nChannel 0: variables and life changes are gonna happen. I can't obviously predict what it's gonna be like when you're 65 at this point.\n\nChannel 1: Yes.\n\nChannel 0: So if you go down past there, you'll see a salary sacrifice table, which is showing you some advantages and disadvantages in some tables there. Now the main disadvantage for the updates I'm recommending is all of these investments that we're using at Oakview, they are ETFs, which basically means very, very low fees, but we do have to purchase them, which brings some small brokerage fees. That's usually 0.11% to buy them up front, and then they're pretty much the lowest fee investments you can have past that point. So I just wanted to let you know that I've factored that into the projections as well. K.\n\nSo if you skip past there, you will see risks in terms of, you know, we\n\nChannel 1: Mhmm.\n\nChannel 0: can't control the stock market. The alternative's being to keep your portfolio as it was and do a bit of a rebalance, which we discounted. And the main two areas I really wanted to show you is on pages fifteen and sixteen. There is a quite a large investments table. If you can let me know when you can see that one.\n\nChannel 1: Yep.\n\nChannel 0: Cool. So the only thing to bring your attention to here is that the second last column is the target weighting, and the left hand side is all the different investment options that we're using. And, basically, everything's pretty much staying the same. I'm just rebalancing everything to be back in line with those original percentages that we recommended. And the third row, that's your Benelon option that we're selling out of.\n\nAnd the very last row, Alfiniti Australian shares, that's the option that I've recommended to replace it.\n\nChannel 1: Yeah.\n\nChannel 0: So if you go past there, we've got your cash table on the next page. We've got your asset allocation pie chart on the page after that. That's a nice colorful one there. In the asset allocation the middle row of that table where it says growth total, and it's like a gray bar.\n\nChannel 1: On which page?\n\nChannel 0: So this one will be seventeen and eighteen, and it's\n\nChannel 1: Yeah.\n\nChannel 0: like a colored pie chart, lots of orange and blue, and\n\nChannel 1: Yeah.\n\nChannel 0: in the middle of the table. So the growth risk profile, you're aiming for about 80%, 80 to 85 in growth assets. You're seeing at 85. Once we rebalance, you're gonna be at 84 and a half. There's pretty much no difference in your growth level.\n\nIt's just switching them kind of side by side. The fee comparison table on the next page basically just shows you that a small reduction in investment cost, and the very bottom of that table has the performance update there. So it shows a five year rolling average will jump back up from seven to 11 and a half percent. That's going backwards the last five years.\n\nChannel 1: Mhmm.\n\nChannel 0: K. Last one, there's the updated projection after that, which over five and ten years, if everything goes the way it did the last five and ten years, we're expecting about 40 to a 100,000 difference just by updating those investments. And there's a performance table underneath. And the main thing here is it shows you that one year, three, five, and 10. And I'm just trying to get you that consistent double digit return across all time periods.\n\nChannel 1: Yep.\n\nChannel 0: That's pretty much it, Lauren. That's a super recommendation. Everything else in this document is just reminding why you should have a will in place and so on. Do you have any questions for me? Does that make sense?\n\nChannel 1: Not really, but yeah.\n\nChannel 0: Sure. So the main thing, I guess, if I can just simplify it a little bit is you've got nine or 10 investment options. I'm making sure that the ones that have gone up and down go back to the middle. The one that was a bad apple gets replaced by another green apple that's a bit better, and we're not changing anything else fundamental about your super right now.\n\nChannel 1: Okay.\n\nChannel 0: Okay. Outside of that, towards the bottom, it's just got your authority to proceed, which we need your consent before we can change anything. It relists the adviser service fees that we've been charging, the commissions for the Neos and so on. But, basically, if you're comfortable with the plan and you sign it, we can basically hop on on Monday and place some trades and get everything switched around pretty quickly.\n\nChannel 1: Yep.\n\nChannel 0: The other documents that are there, a lot of this, when you go through this document, if you click the button, it'll pull you to the spots to sign. There's only three spots for a name, date, and signature, but the other seven documents is basically like a research appendix, your certificate to the insurances, and probably about 1,400 pages of of 24 product info, which you don't have to read through all of that. The Odoo system, you can pretty much just click the buttons for next document, and it'll skip you through. The last two is just our updated financial services guide.\n\nChannel 1: I only had one document in there. Like, the email just says sign document, but text me to the one thing.\n\nChannel 0: Yep. And once you get past that one, so if you go through the bottom, the very, very bottom of that entire document or just click the button, once that document finishes, it'll ask you to look at the next document, and\n\nChannel 1: Okay.\n\nChannel 0: it's basically just a click, click, click, click, click after that.\n\nChannel 1: Okay.\n\nChannel 0: Just to see if you can get through that okay, or you're okay to kinda just click through there.\n\nChannel 1: If you if I saw it and text me the next one, then I'll should be alright.\n\nChannel 0: Yep. It is done. I've got a bit of a flag for the team to put this in on Monday. Do you have any last questions for me before I let you go?\n\nChannel 1: No. I'll have to read through this later. Once I finish working, I'll sign it.\n\nChannel 0: Yep. No worries at all. Any questions at all, just call, text, or email through.\n\nChannel 1: Yep.\n\nChannel 0: I did kind of touch base during the review, but did you want me to pencil in any other catch ups this year for you or just kind of\n\nChannel 1: No.\n\nChannel 0: plug in for that\n\nChannel 1: No.\n\nChannel 0: next annual review?\n\nChannel 1: That end is fine.\n\nChannel 0: Perfect. Alright, Lauren. Well, I know you're working at the moment, so thank you for spending a bit of your Friday lunchtime with me. Anything else I can do before I hop\n\nChannel 1: No.\n\nChannel 0: off? Awesome. Well, thank you again. Anything you need, just let us know, but have a fantastic weekend.\n\nChannel 1: Thank you.\n\nChannel 0: Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.035386987030506134}],"sentiment":"neutral","sentiment_score":0.035386987030506134,"channel":1,"num_words":1,"start":0.39999998,"end":0.9},{"sentences":[{"text":"Good afternoon, Lauren.","start":2.48,"end":3.28,"sentiment":"neutral","sentiment_score":0.31193604071935016},{"text":"It's","start":3.28,"end":3.6799998,"sentiment":"positive","sentiment_score":0.6221132874488831}],"sentiment":"positive","sentiment_score":0.3894803524017334,"channel":0,"num_words":4,"start":2.48,"end":3.6799998},{"sentences":[{"text":"Good.","start":6.72,"end":7.22,"sentiment":"positive","sentiment_score":0.6758798360824585}],"sentiment":"positive","sentiment_score":0.6758798360824585,"channel":1,"num_words":1,"start":6.72,"end":7.22},{"sentences":[{"text":"Good to hear.","start":8.32,"end":8.96,"sentiment":"positive","sentiment_score":0.715942899386088},{"text":"Good to hear.","start":8.96,"end":9.78,"sentiment":"positive","sentiment_score":0.5963814854621887},{"text":"I've got your updated advice document ready to send through to you.","start":9.92,"end":12.96,"sentiment":"neutral","sentiment_score":0.2781463873883088},{"text":"Do you still have a bit of time for me today?","start":12.96,"end":14.82,"sentiment":"neutral","sentiment_score":0.10018448734825308}],"sentiment":"neutral","sentiment_score":0.28885376427708,"channel":0,"num_words":29,"start":8.32,"end":14.82},{"sentences":[{"text":"Yep.","start":15.5199995,"end":15.855,"sentiment":"neutral","sentiment_score":0.1539902538061142}],"sentiment":"neutral","sentiment_score":0.1539902538061142,"channel":1,"num_words":1,"start":15.5199995,"end":15.855},{"sentences":[{"text":"Perfect.","start":17.155,"end":17.555,"sentiment":"positive","sentiment_score":0.40173208713531494},{"text":"Perfect.","start":17.555,"end":17.955,"sentiment":"positive","sentiment_score":0.3535953164100647},{"text":"So I'm gonna pop that through to your email.","start":17.955,"end":20.695,"sentiment":"neutral","sentiment_score":0.1850987176100413},{"text":"Will you be able to access your email with me today to look at the document?","start":21.154999,"end":24.375,"sentiment":"neutral","sentiment_score":0.1278688171878457}],"sentiment":"neutral","sentiment_score":0.16544877544597344,"channel":0,"num_words":27,"start":17.155,"end":24.375},{"sentences":[{"text":"Yep.","start":25.215,"end":25.715,"sentiment":"neutral","sentiment_score":0.1087733954191208}],"sentiment":"neutral","sentiment_score":0.1087733954191208,"channel":1,"num_words":1,"start":25.215,"end":25.715},{"sentences":[{"text":"Fantastic.","start":26.835,"end":27.335,"sentiment":"neutral","sentiment_score":0.32559335231781006},{"text":"Just while I'm popping that through, could I please confirm for security your date of birth and address?","start":27.955,"end":34.02,"sentiment":"neutral","sentiment_score":0.10513728174070518}],"sentiment":"neutral","sentiment_score":0.1167402328237107,"channel":0,"num_words":19,"start":26.835,"end":34.02},{"sentences":[{"text":"Address is Unit 460 King George Floyd Digital,","start":36.510002,"end":41.49,"sentiment":"neutral","sentiment_score":0.02163008041679859}],"sentiment":"neutral","sentiment_score":0.02163008041679859,"channel":1,"num_words":8,"start":36.510002,"end":41.49},{"sentences":[{"text":"Yep.","start":42.495003,"end":42.995003,"sentiment":"neutral","sentiment_score":0.04821685701608658}],"sentiment":"neutral","sentiment_score":0.04821685701608658,"channel":0,"num_words":1,"start":42.495003,"end":42.995003},{"sentences":[{"text":"and date of birth is sixteen to the second eighty four.","start":43.465,"end":46.845,"sentiment":"neutral","sentiment_score":0.05836391245776957}],"sentiment":"neutral","sentiment_score":0.05836391245776957,"channel":1,"num_words":11,"start":43.465,"end":46.845},{"sentences":[{"text":"Amazing.","start":47.535,"end":48.035,"sentiment":"positive","sentiment_score":0.3907288610935211},{"text":"Thank you for that.","start":48.095,"end":48.815002,"sentiment":"positive","sentiment_score":0.5214313343167305},{"text":"And I'm registered with ASIC as adviser 1273105.","start":48.815002,"end":52.995003,"sentiment":"neutral","sentiment_score":0.2043672576546669},{"text":"Lauren, are you okay for this call to be recorded?","start":53.295002,"end":55.315002,"sentiment":"neutral","sentiment_score":0.08211437352001667}],"sentiment":"neutral","sentiment_score":0.21445808673034544,"channel":0,"num_words":23,"start":47.535,"end":55.315002},{"sentences":[{"text":"Yep.","start":56.025,"end":56.525,"sentiment":"neutral","sentiment_score":0.12854674458503723}],"sentiment":"neutral","sentiment_score":0.12854674458503723,"channel":1,"num_words":1,"start":56.025,"end":56.525},{"sentences":[{"text":"Fantastic.","start":58.1,"end":58.6,"sentiment":"positive","sentiment_score":0.3481387495994568},{"text":"So that should pop through pretty instantly.","start":58.899998,"end":60.84,"sentiment":"neutral","sentiment_score":0.32601355016231537},{"text":"It's from our new system, same one that you used during our annual review.","start":61.62,"end":66.52,"sentiment":"neutral","sentiment_score":0.12685767614415713},{"text":"And there's a number of sort of provider documents and extra attachments along with this one.","start":67.06,"end":74.30499,"sentiment":"neutral","sentiment_score":0.05920028849504888},{"text":"So","start":74.604996,"end":75.005,"sentiment":"neutral","sentiment_score":0.019749285653233528}],"sentiment":"neutral","sentiment_score":0.13777422995712513,"channel":0,"num_words":39,"start":58.1,"end":75.005},{"sentences":[{"text":"Yeah.","start":74.735,"end":75.235,"sentiment":"neutral","sentiment_score":0.006090888753533363}],"sentiment":"neutral","sentiment_score":0.006090888753533363,"channel":1,"num_words":1,"start":74.735,"end":75.235},{"sentences":[{"text":"I'll just kind of if you can pull this document up and in the email, it may go through your spam, but usually the main inbox pretty quickly.","start":75.005,"end":83.985,"sentiment":"neutral","sentiment_score":-0.02452736584902076}],"sentiment":"neutral","sentiment_score":-0.02452736584902076,"channel":0,"num_words":28,"start":75.005,"end":83.985},{"sentences":[{"text":"I've got the email, but there's only a link to say sign document.","start":86.67,"end":89.57,"sentiment":"neutral","sentiment_score":-0.027234584308014467},{"text":"Do I click that?","start":89.630005,"end":90.61,"sentiment":"neutral","sentiment_score":-0.015845068264752626}],"sentiment":"neutral","sentiment_score":-0.024554698180188152,"channel":1,"num_words":17,"start":86.67,"end":90.61},{"sentences":[{"text":"Yeah.","start":90.479996,"end":90.979996,"sentiment":"neutral","sentiment_score":-0.005979946814477444},{"text":"So you can click that one.","start":91.119995,"end":92.399994,"sentiment":"neutral","sentiment_score":-0.0120884928231438},{"text":"It doesn't do anything.","start":92.399994,"end":93.28,"sentiment":"neutral","sentiment_score":-0.0544264055788517},{"text":"It just brings up the documents for us to walk through first.","start":93.28,"end":96.1,"sentiment":"neutral","sentiment_score":0.01180438914646705},{"text":"And it should have actually about seven or eight documents there, but the first one is that beachfront city photo and a statement of the file.","start":98.814995,"end":107.555,"sentiment":"neutral","sentiment_score":0.03123311261431529}],"sentiment":"neutral","sentiment_score":0.013418307584919492,"channel":0,"num_words":49,"start":90.479996,"end":107.555},{"sentences":[{"text":"Yeah.","start":108.125,"end":108.625,"sentiment":"neutral","sentiment_score":0.069536492228508}],"sentiment":"neutral","sentiment_score":0.069536492228508,"channel":1,"num_words":1,"start":108.125,"end":108.625},{"sentences":[{"text":"Perfect.","start":109.63,"end":110.13,"sentiment":"neutral","sentiment_score":0.1422216296195984},{"text":"So I'll just get you to scroll through this one with me.","start":110.27,"end":112.77,"sentiment":"neutral","sentiment_score":0.08989228991170724},{"text":"I'm not sure if you're on your phone.","start":112.829994,"end":114.10999,"sentiment":"neutral","sentiment_score":-0.0242425506003201},{"text":"Like, can you make out the figures?","start":114.10999,"end":115.549995,"sentiment":"neutral","sentiment_score":-0.013410634760345732},{"text":"Is it blurry?","start":115.549995,"end":116.369995,"sentiment":"neutral","sentiment_score":-0.06291253119707108}],"sentiment":"neutral","sentiment_score":0.02401215054335133,"channel":0,"num_words":31,"start":109.63,"end":116.369995},{"sentences":[{"text":"I can see it's just very small.","start":118.1,"end":119.72,"sentiment":"neutral","sentiment_score":-0.06415490433573723}],"sentiment":"neutral","sentiment_score":-0.06415490433573723,"channel":1,"num_words":7,"start":118.1,"end":119.72},{"sentences":[{"text":"Yep.","start":120.35,"end":120.67,"sentiment":"neutral","sentiment_score":0.02548348158597946},{"text":"No worries.","start":120.67,"end":121.229996,"sentiment":"neutral","sentiment_score":0.03678940515965223},{"text":"I'll kind of just recap the the.","start":121.229996,"end":124.985,"sentiment":"neutral","sentiment_score":0.04320331024272101},{"text":"So has the last thing details on it.","start":125.685,"end":128.405,"sentiment":"neutral","sentiment_score":0.037061091512441635},{"text":"If you go through to page four and five, there will be a heading called scope of advice","start":128.405,"end":134.425,"sentiment":"neutral","sentiment_score":0.030843223962518904}],"sentiment":"neutral","sentiment_score":0.03480978408414456,"channel":0,"num_words":36,"start":120.35,"end":134.425},{"sentences":[{"text":"Yep.","start":134.995,"end":135.495,"sentiment":"neutral","sentiment_score":0.014762858860194685}],"sentiment":"neutral","sentiment_score":0.014762858860194685,"channel":1,"num_words":1,"start":134.995,"end":135.495},{"sentences":[{"text":"in blue.","start":135.445,"end":136.185,"sentiment":"neutral","sentiment_score":-0.0077103194780647755},{"text":"So, basically, just what this document covers advice wise and what we're not giving advice on today.","start":136.43001,"end":141.73001,"sentiment":"neutral","sentiment_score":-0.14081720438073664},{"text":"And the main thing for you was we were just updating some of your portfolio even though the performance was really good.","start":142.19,"end":149.565,"sentiment":"neutral","sentiment_score":-0.13874769820408386},{"text":"If you recall, I did flag one of those investments as a bit underperforming.","start":149.645,"end":153.585,"sentiment":"negative","sentiment_score":-0.35634151633296696},{"text":"So I just wanted to give it the old engine tune up if that rings a bell.","start":154.045,"end":157.505,"sentiment":"neutral","sentiment_score":-0.15361520910964294}],"sentiment":"neutral","sentiment_score":-0.18141669802005506,"channel":0,"num_words":72,"start":135.445,"end":157.505},{"sentences":[{"text":"Yes.","start":157.995,"end":158.495,"sentiment":"neutral","sentiment_score":0.06755026429891586}],"sentiment":"neutral","sentiment_score":0.06755026429891586,"channel":1,"num_words":1,"start":157.995,"end":158.495},{"sentences":[{"text":"Yep.","start":159.005,"end":159.505,"sentiment":"neutral","sentiment_score":0.09511594474315643},{"text":"Outside of that estate planning, we noted that you didn't wanna put any beneficiaries in place, but we're just putting a reminder in here about wills and powers of attorney and things like that.","start":159.88501,"end":171.46,"sentiment":"neutral","sentiment_score":0.005149510182330713}],"sentiment":"neutral","sentiment_score":0.007719979741211448,"channel":0,"num_words":35,"start":159.005,"end":171.46},{"sentences":[{"text":"Yeah.","start":172.17,"end":172.605,"sentiment":"neutral","sentiment_score":0.152950257062912}],"sentiment":"neutral","sentiment_score":0.152950257062912,"channel":1,"num_words":1,"start":172.17,"end":172.605},{"sentences":[{"text":"Cool.","start":173.04001,"end":173.54001,"sentiment":"neutral","sentiment_score":0.31750422716140747},{"text":"Page after that, it just shows that we are factoring in the premiums for the insurances just to make sure we note the impact of those, but we're not giving insurance advice today.","start":173.84,"end":184.465,"sentiment":"neutral","sentiment_score":0.09093828318697034},{"text":"Those were all pretty fine.","start":184.92499,"end":186.385,"sentiment":"positive","sentiment_score":0.3431808739900589},{"text":"May revisit a debt later.","start":187.245,"end":188.78499,"sentiment":"neutral","sentiment_score":0.005635944008827209},{"text":"And the page after that in not considered is basically everything to do with cash flow and debt management.","start":189.165,"end":196.6,"sentiment":"neutral","sentiment_score":-0.019856160212504238}],"sentiment":"neutral","sentiment_score":0.07436959711568696,"channel":0,"num_words":63,"start":173.04001,"end":196.6},{"sentences":[{"text":"So you're already focusing on, like, your renovations, refreshing the home, getting appliances, travel, paying down the mortgage, and you don't really need us to give you advice on that today.","start":196.98001,"end":208.535,"sentiment":"neutral","sentiment_score":0.14779783184489897},{"text":"Is that right?","start":208.755,"end":209.57501,"sentiment":"neutral","sentiment_score":0.1559557964404424},{"text":"Perfect.","start":214.035,"end":214.535,"sentiment":"positive","sentiment_score":0.5339891910552979},{"text":"Now, Lauren, if you could skip through two more pages to the about you section, I just wanna double check that all these details that I've based the advice on are correct.","start":214.91501,"end":224.51,"sentiment":"neutral","sentiment_score":0.11277268186677247},{"text":"There should be a table in the about you, and the page after that is your assets and liabilities.","start":225.20999,"end":230.75,"sentiment":"neutral","sentiment_score":0.0791127928777745}],"sentiment":"neutral","sentiment_score":0.12436579362770846,"channel":0,"num_words":86,"start":196.98001,"end":230.75},{"sentences":[{"text":"Main things are payroll officer for the occupation, email and phone number look correct, and","start":231.69,"end":238.275,"sentiment":"neutral","sentiment_score":0.05556427116195361}],"sentiment":"neutral","sentiment_score":0.05556427116195361,"channel":0,"num_words":15,"start":231.69,"end":238.275},{"sentences":[{"text":"Yeah.","start":237.985,"end":238.23,"sentiment":"neutral","sentiment_score":0.07551044970750809}],"sentiment":"neutral","sentiment_score":0.07551044970750809,"channel":1,"num_words":1,"start":237.985,"end":238.23},{"sentences":[{"text":"we just got the home and savings noted down.","start":238.275,"end":243.73499,"sentiment":"neutral","sentiment_score":0.09503849595785141}],"sentiment":"neutral","sentiment_score":0.09503849595785141,"channel":0,"num_words":9,"start":238.275,"end":243.73499},{"sentences":[{"text":"Yep.","start":245.11,"end":245.61,"sentiment":"neutral","sentiment_score":0.17872276902198792}],"sentiment":"neutral","sentiment_score":0.17872276902198792,"channel":1,"num_words":1,"start":245.11,"end":245.61},{"sentences":[{"text":"Cool.","start":247.89,"end":248.12999,"sentiment":"neutral","sentiment_score":0.2727404534816742},{"text":"So beyond that point, we've got your HubSpot.","start":248.12999,"end":250.62999,"sentiment":"neutral","sentiment_score":0.1365227922797203},{"text":"We've got your Neos income protection.","start":250.84999,"end":253.34999,"sentiment":"neutral","sentiment_score":0.14913405974706015},{"text":"If you could just keep scrolling through, you'll see on ten eleven a risk profile section, which just lists you as a growth investor.","start":253.65,"end":262.15,"sentiment":"neutral","sentiment_score":0.10862372380991776}],"sentiment":"neutral","sentiment_score":0.12478709029845703,"channel":0,"num_words":39,"start":247.89,"end":262.15},{"sentences":[{"text":"Yep.","start":265.365,"end":265.865,"sentiment":"neutral","sentiment_score":0.13415317237377167}],"sentiment":"neutral","sentiment_score":0.13415317237377167,"channel":1,"num_words":1,"start":265.365,"end":265.865},{"sentences":[{"text":"So reminder here is that four out of five on the risk scale, 80% in growth assets.","start":267.355,"end":272.955,"sentiment":"neutral","sentiment_score":0.09036698060877182},{"text":"We're just trying to get you as much growth as we can, but you're not in high risk.","start":272.955,"end":276.655,"sentiment":"neutral","sentiment_score":0.23541240849428707},{"text":"And like we talked about, when you built your super, we can kind of reduce the risk as you get a bit closer to retirement.","start":276.88998,"end":283.38998,"sentiment":"neutral","sentiment_score":0.32543292343616487}],"sentiment":"neutral","sentiment_score":0.2318247518191735,"channel":0,"num_words":60,"start":267.355,"end":283.38998},{"sentences":[{"text":"Yeah.","start":284.815,"end":285.315,"sentiment":"neutral","sentiment_score":0.25233572721481323}],"sentiment":"neutral","sentiment_score":0.25233572721481323,"channel":1,"num_words":1,"start":284.815,"end":285.315},{"sentences":[{"text":"The main area that I'll kind of summarize for you is on page eleven and twelve.","start":286.33,"end":290.27,"sentiment":"neutral","sentiment_score":0.21373156923800707},{"text":"We've got the strategy recommendations.","start":291.185,"end":293.285,"sentiment":"neutral","sentiment_score":0.22206810712814332},{"text":"It's quite text heavy.","start":293.98502,"end":295.665,"sentiment":"neutral","sentiment_score":0.13782772235572338},{"text":"So just let me know when you can see that heading, and I'll break it down.","start":295.665,"end":298.565,"sentiment":"neutral","sentiment_score":0.10490773478522897}],"sentiment":"neutral","sentiment_score":0.16487512901061918,"channel":0,"num_words":41,"start":286.33,"end":298.565},{"sentences":[{"text":"The grid heading?","start":300.19,"end":301.49002,"sentiment":"neutral","sentiment_score":0.048615165054798126}],"sentiment":"neutral","sentiment_score":0.048615165054798126,"channel":1,"num_words":3,"start":300.19,"end":301.49002},{"sentences":[{"text":"Below that one, so one more page, you should see strategy.","start":303.36,"end":306.97998,"sentiment":"neutral","sentiment_score":0.07611280611970207}],"sentiment":"neutral","sentiment_score":0.07611280611970207,"channel":0,"num_words":11,"start":303.36,"end":306.97998},{"sentences":[{"text":"Yep.","start":307.405,"end":307.905,"sentiment":"neutral","sentiment_score":0.13361547887325287}],"sentiment":"neutral","sentiment_score":0.13361547887325287,"channel":1,"num_words":1,"start":307.405,"end":307.905},{"sentences":[{"text":"Yep.","start":309.19998,"end":309.44,"sentiment":"neutral","sentiment_score":0.13617567718029022},{"text":"So the main thing is we're not changing super funds at this point.","start":309.44,"end":313.38,"sentiment":"neutral","sentiment_score":-0.07894021043410668},{"text":"We're continuing the salary sacrifice that you're already doing.","start":313.68,"end":317.415,"sentiment":"neutral","sentiment_score":-0.10883267886108822},{"text":"So I've factored that in as well.","start":317.815,"end":319.595,"sentiment":"neutral","sentiment_score":0.0740292641733374},{"text":"And we're just switching a couple of the investment options around, but it is pretty much a like for like basis.","start":320.215,"end":327.195,"sentiment":"neutral","sentiment_score":0.03186014968724478}],"sentiment":"neutral","sentiment_score":-0.013377905403282129,"channel":0,"num_words":51,"start":309.19998,"end":327.195},{"sentences":[{"text":"So the fund that wasn't doing so well that was actively managed, we're switching it out for a better one, still the same style, but lower fees, better performance, that kind of thing.","start":327.495,"end":338.06998,"sentiment":"neutral","sentiment_score":0.019475544266628498},{"text":"Does that make sense?","start":338.06998,"end":339.12997,"sentiment":"neutral","sentiment_score":0.15414249897003174},{"text":"Yep.","start":340.78998,"end":341.28998,"sentiment":"neutral","sentiment_score":0.1037868708372116},{"text":"Again, we do our usual five and ten year projection.","start":341.43,"end":344.16998,"sentiment":"neutral","sentiment_score":0.07688266821205617},{"text":"I'm not gonna project out the next twenty five, thirty years until we're a bit closer just because so many","start":344.625,"end":350.385,"sentiment":"neutral","sentiment_score":-0.015137592912651598}],"sentiment":"neutral","sentiment_score":0.026898891932111892,"channel":0,"num_words":68,"start":327.495,"end":350.385},{"sentences":[{"text":"Yeah.","start":350.21002,"end":350.71002,"sentiment":"neutral","sentiment_score":-0.05325864627957344}],"sentiment":"neutral","sentiment_score":-0.05325864627957344,"channel":1,"num_words":1,"start":350.21002,"end":350.71002},{"sentences":[{"text":"variables and life changes are gonna happen.","start":350.385,"end":352.645,"sentiment":"neutral","sentiment_score":-0.08752917179039546},{"text":"I can't obviously predict what it's gonna be like when you're 65 at this point.","start":352.705,"end":357.125,"sentiment":"neutral","sentiment_score":-0.1499942531188329}],"sentiment":"neutral","sentiment_score":-0.13011899996887555,"channel":0,"num_words":22,"start":350.385,"end":357.125},{"sentences":[{"text":"Yes.","start":358.065,"end":358.565,"sentiment":"neutral","sentiment_score":0.006689060479402542}],"sentiment":"neutral","sentiment_score":0.006689060479402542,"channel":1,"num_words":1,"start":358.065,"end":358.565},{"sentences":[{"text":"So if you go down past there, you'll see a salary sacrifice table, which is showing you some advantages and disadvantages in some tables there.","start":359.44,"end":371.7,"sentiment":"neutral","sentiment_score":-0.036491842307150364},{"text":"Now the main disadvantage for the updates I'm recommending is all of these investments that we're using at Oakview, they are ETFs, which basically means very, very low fees, but we do have to purchase them, which brings some small brokerage fees.","start":372.82498,"end":390.4,"sentiment":"neutral","sentiment_score":-0.061539554791081516},{"text":"That's usually 0.11% to buy them up front, and then they're pretty much the lowest fee investments you can have past that point.","start":390.53998,"end":398.825,"sentiment":"neutral","sentiment_score":0.17606592558972214},{"text":"So I just wanted to let you know that I've factored that into the projections as well.","start":398.965,"end":402.665,"sentiment":"neutral","sentiment_score":0.2398520357468549},{"text":"K.","start":404.48502,"end":404.725,"sentiment":"neutral","sentiment_score":0.01734505221247673}],"sentiment":"neutral","sentiment_score":0.04303137582933737,"channel":0,"num_words":108,"start":359.44,"end":404.725},{"sentences":[{"text":"So if you skip past there, you will see risks in terms of, you know, we","start":404.725,"end":410.725,"sentiment":"neutral","sentiment_score":-0.09003891958855093}],"sentiment":"neutral","sentiment_score":-0.09003891958855093,"channel":0,"num_words":16,"start":404.725,"end":410.725},{"sentences":[{"text":"Mhmm.","start":410.585,"end":411.085,"sentiment":"neutral","sentiment_score":-0.12578827142715454}],"sentiment":"neutral","sentiment_score":-0.12578827142715454,"channel":1,"num_words":1,"start":410.585,"end":411.085},{"sentences":[{"text":"can't control the stock market.","start":410.725,"end":412.265,"sentiment":"negative","sentiment_score":-0.33793715238571165},{"text":"The alternative's being to keep your portfolio as it was and do a bit of a rebalance, which we discounted.","start":412.52,"end":418.14,"sentiment":"neutral","sentiment_score":0.00701951370574534},{"text":"And the main two areas I really wanted to show you is on pages fifteen and sixteen.","start":418.84,"end":425.995,"sentiment":"neutral","sentiment_score":0.1542640788590207},{"text":"There is a quite a large investments table.","start":426.29498,"end":429.095,"sentiment":"neutral","sentiment_score":0.06092829490080476},{"text":"If you can let me know when you can see that one.","start":429.095,"end":431.19498,"sentiment":"neutral","sentiment_score":0.055178098691006504}],"sentiment":"neutral","sentiment_score":0.035850925746584134,"channel":0,"num_words":62,"start":410.725,"end":431.19498},{"sentences":[{"text":"Yep.","start":432.615,"end":433.115,"sentiment":"positive","sentiment_score":0.35220596194267273}],"sentiment":"positive","sentiment_score":0.35220596194267273,"channel":1,"num_words":1,"start":432.615,"end":433.115},{"sentences":[{"text":"Cool.","start":434.13498,"end":434.63498,"sentiment":"positive","sentiment_score":0.4840666651725769},{"text":"So the only thing to bring your attention to here is that the second last column is the target weighting, and the left hand side is all the different investment options that we're using.","start":434.69498,"end":445.13998,"sentiment":"neutral","sentiment_score":0.23370014744646408},{"text":"And, basically, everything's pretty much staying the same.","start":445.36,"end":448.9,"sentiment":"neutral","sentiment_score":0.31141043454408646},{"text":"I'm just rebalancing everything to be back in line with those original percentages that we recommended.","start":448.96,"end":454.565,"sentiment":"neutral","sentiment_score":0.265793246217072},{"text":"And the third row, that's your Benelon option that we're selling out of.","start":455.10498,"end":460.405,"sentiment":"neutral","sentiment_score":0.06519369952953778}],"sentiment":"neutral","sentiment_score":0.2225189609453082,"channel":0,"num_words":72,"start":434.13498,"end":460.405},{"sentences":[{"text":"And the very last row, Alfiniti Australian shares, that's the option that I've recommended to replace it.","start":460.465,"end":467.19,"sentiment":"neutral","sentiment_score":0.055879716487491835}],"sentiment":"neutral","sentiment_score":0.055879716487491835,"channel":0,"num_words":17,"start":460.465,"end":467.19},{"sentences":[{"text":"Yeah.","start":468.18002,"end":468.68002,"sentiment":"neutral","sentiment_score":0.08004270493984222}],"sentiment":"neutral","sentiment_score":0.08004270493984222,"channel":1,"num_words":1,"start":468.18002,"end":468.68002},{"sentences":[{"text":"So if you go past there, we've got your cash table on the next page.","start":469.59,"end":473.29,"sentiment":"neutral","sentiment_score":0.08876861035823821},{"text":"We've got your asset allocation pie chart on the page after that.","start":473.67,"end":478.17,"sentiment":"neutral","sentiment_score":0.12816770747303963},{"text":"That's a nice colorful one there.","start":478.63,"end":480.57,"sentiment":"neutral","sentiment_score":0.3274516512950261},{"text":"In the asset allocation the middle row of that table where it says growth total, and it's like a gray bar.","start":481.60498,"end":491.94498,"sentiment":"neutral","sentiment_score":0.0627095497080258}],"sentiment":"neutral","sentiment_score":0.11391022401275458,"channel":0,"num_words":54,"start":469.59,"end":491.94498},{"sentences":[{"text":"On which page?","start":494.84,"end":495.82,"sentiment":"neutral","sentiment_score":0.020974050586422283}],"sentiment":"neutral","sentiment_score":0.020974050586422283,"channel":1,"num_words":3,"start":494.84,"end":495.82},{"sentences":[{"text":"So this one will be seventeen and eighteen, and it's","start":497.30002,"end":501.3,"sentiment":"neutral","sentiment_score":0.04965885858982801}],"sentiment":"neutral","sentiment_score":0.04965885858982801,"channel":0,"num_words":10,"start":497.30002,"end":501.3},{"sentences":[{"text":"Yeah.","start":501.24,"end":501.74,"sentiment":"neutral","sentiment_score":0.04888079687952995}],"sentiment":"neutral","sentiment_score":0.04888079687952995,"channel":1,"num_words":1,"start":501.24,"end":501.74},{"sentences":[{"text":"like a colored pie chart, lots of orange and blue, and","start":501.3,"end":504.74,"sentiment":"neutral","sentiment_score":0.07373282279480588}],"sentiment":"neutral","sentiment_score":0.07373282279480588,"channel":0,"num_words":11,"start":501.3,"end":504.74},{"sentences":[{"text":"Yeah.","start":504.655,"end":505.155,"sentiment":"neutral","sentiment_score":0.047212906181812286}],"sentiment":"neutral","sentiment_score":0.047212906181812286,"channel":1,"num_words":1,"start":504.655,"end":505.155},{"sentences":[{"text":"in the middle of the table.","start":504.74,"end":506.28,"sentiment":"neutral","sentiment_score":0.05537455715239048},{"text":"So the growth risk profile, you're aiming for about 80%, 80 to 85 in growth assets.","start":508.445,"end":514.385,"sentiment":"neutral","sentiment_score":0.09720679582096636},{"text":"You're seeing at 85.","start":514.525,"end":516.145,"sentiment":"neutral","sentiment_score":0.10577099956572056},{"text":"Once we rebalance, you're gonna be at 84 and a half.","start":516.205,"end":519.09,"sentiment":"neutral","sentiment_score":0.18856726857748898},{"text":"There's pretty much no difference in your growth level.","start":519.25,"end":522.15,"sentiment":"neutral","sentiment_score":0.035350784245464534}],"sentiment":"neutral","sentiment_score":0.10223993667117927,"channel":0,"num_words":46,"start":504.74,"end":522.15},{"sentences":[{"text":"It's just switching them kind of side by side.","start":522.29004,"end":525.11005,"sentiment":"neutral","sentiment_score":0.06467172151638402},{"text":"The fee comparison table on the next page basically just shows you that a small reduction in investment cost, and the very bottom of that table has the performance update there.","start":529.57,"end":543.255,"sentiment":"neutral","sentiment_score":0.2523393169526131},{"text":"So it shows a five year rolling average will jump back up from seven to 11 and a half percent.","start":543.81,"end":550.39,"sentiment":"neutral","sentiment_score":0.3303898237645626},{"text":"That's going backwards the last five 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underneath.","start":572.74,"end":574.89996,"sentiment":"neutral","sentiment_score":0.21073325971762338},{"text":"And the main thing here is it shows you that one year, three, five, and 10.","start":574.89996,"end":579.77997,"sentiment":"neutral","sentiment_score":0.2824399033561349},{"text":"And I'm just trying to get you that consistent double digit return across all time periods.","start":579.77997,"end":584.76,"sentiment":"positive","sentiment_score":0.44483480602502823}],"sentiment":"neutral","sentiment_score":0.26578923522294323,"channel":0,"num_words":79,"start":557.535,"end":584.76},{"sentences":[{"text":"Yep.","start":588.545,"end":589.045,"sentiment":"positive","sentiment_score":0.4624720811843872}],"sentiment":"positive","sentiment_score":0.4624720811843872,"channel":1,"num_words":1,"start":588.545,"end":589.045},{"sentences":[{"text":"That's pretty much it, Lauren.","start":590.855,"end":592.455,"sentiment":"positive","sentiment_score":0.5929367065429687},{"text":"That's a super recommendation.","start":592.455,"end":594.235,"sentiment":"positive","sentiment_score":0.7944368720054626},{"text":"Everything else in this document is just reminding why you should have a will in place and so on.","start":594.53503,"end":599.915,"sentiment":"positive","sentiment_score":0.44796699756070185},{"text":"Do you have any questions for me?","start":600.76996,"end":602.05,"sentiment":"neutral","sentiment_score":0.17080714660031454},{"text":"Does that make sense?","start":602.05,"end":603.02997,"sentiment":"neutral","sentiment_score":0.13126851618289948}],"sentiment":"positive","sentiment_score":0.4198596939826623,"channel":0,"num_words":39,"start":590.855,"end":603.02997},{"sentences":[{"text":"Not really, but yeah.","start":604.32,"end":605.71,"sentiment":"neutral","sentiment_score":-0.08943586237728596}],"sentiment":"neutral","sentiment_score":-0.08943586237728596,"channel":1,"num_words":4,"start":604.32,"end":605.71},{"sentences":[{"text":"Sure.","start":607.41,"end":607.64996,"sentiment":"neutral","sentiment_score":0.10194028168916702},{"text":"So the main thing, I guess, if I can just simplify it a little bit is you've got nine or 10 investment options.","start":607.64996,"end":614.23,"sentiment":"neutral","sentiment_score":0.17279699120832526},{"text":"I'm making sure that the ones that have gone up and down go back to the middle.","start":614.69495,"end":618.475,"sentiment":"neutral","sentiment_score":0.08669947482207242},{"text":"The one that was a bad apple gets replaced by another green apple that's a bit better, and we're not changing anything else fundamental about your super right now.","start":618.77496,"end":627.99,"sentiment":"neutral","sentiment_score":-0.17149534975660258}],"sentiment":"neutral","sentiment_score":0.00823995726449149,"channel":0,"num_words":70,"start":607.41,"end":627.99},{"sentences":[{"text":"Okay.","start":628.26,"end":628.76,"sentiment":"neutral","sentiment_score":0.07673855870962143}],"sentiment":"neutral","sentiment_score":0.07673855870962143,"channel":1,"num_words":1,"start":628.26,"end":628.76},{"sentences":[{"text":"Okay.","start":630.31,"end":630.81,"sentiment":"neutral","sentiment_score":0.0814126506447792},{"text":"Outside of that, towards the bottom, it's just got your authority to proceed, which we need your consent before we can change anything.","start":631.67,"end":638.89,"sentiment":"neutral","sentiment_score":0.0727968530162521},{"text":"It relists the adviser service fees that we've been charging, the commissions for the Neos and so on.","start":639.75,"end":646.375,"sentiment":"neutral","sentiment_score":0.14784137283762297},{"text":"But, basically, if you're comfortable with the plan and you sign it, we can basically hop on on Monday and place some trades and get everything switched around pretty quickly.","start":646.515,"end":655.415,"sentiment":"neutral","sentiment_score":0.311487552523613}],"sentiment":"neutral","sentiment_score":0.1911321049556136,"channel":0,"num_words":72,"start":630.31,"end":655.415},{"sentences":[{"text":"Yep.","start":656.61005,"end":657.11005,"sentiment":"neutral","sentiment_score":0.011593293398618698}],"sentiment":"neutral","sentiment_score":0.011593293398618698,"channel":1,"num_words":1,"start":656.61005,"end":657.11005},{"sentences":[{"text":"The other documents that are there, a lot of this, when you go through this document, if you click the button, it'll pull you to the spots to sign.","start":659.09,"end":666.79004,"sentiment":"neutral","sentiment_score":0.014194875152717376},{"text":"There's only three spots for a name, date, and signature, but the other seven documents is basically like a research appendix, your certificate to the insurances, and probably about 1,400 pages of of 24 product info, which you don't have to read through all of that.","start":667.25,"end":687.04,"sentiment":"neutral","sentiment_score":0.0473857793106657},{"text":"The Odoo system, you can pretty much just click the buttons for next document, and it'll skip you through.","start":687.18,"end":693.51996,"sentiment":"neutral","sentiment_score":0.10055811252248914},{"text":"The last two is just our updated financial services guide.","start":694.06,"end":697.2,"sentiment":"neutral","sentiment_score":0.031655792891979215}],"sentiment":"neutral","sentiment_score":0.046332300909293384,"channel":0,"num_words":104,"start":659.09,"end":697.2},{"sentences":[{"text":"I only had one document in there.","start":698.13995,"end":700.07996,"sentiment":"neutral","sentiment_score":-0.011785072673644339},{"text":"Like, the email just says sign document, but text me to the one thing.","start":700.62,"end":703.92,"sentiment":"neutral","sentiment_score":0.00007526902481913554}],"sentiment":"neutral","sentiment_score":-0.003878178208002022,"channel":1,"num_words":21,"start":698.13995,"end":703.92},{"sentences":[{"text":"Yep.","start":704.955,"end":705.275,"sentiment":"neutral","sentiment_score":0.13049796223640442},{"text":"And once you get past that one, so if you go through the bottom, the very, very bottom of that entire document or just click the button, once that document finishes, it'll ask you to look at the next document, and","start":705.275,"end":718.44,"sentiment":"neutral","sentiment_score":0.042768906892799746}],"sentiment":"neutral","sentiment_score":0.04485769392479034,"channel":0,"num_words":42,"start":704.955,"end":718.44},{"sentences":[{"text":"Okay.","start":718.345,"end":718.845,"sentiment":"neutral","sentiment_score":0.04807465523481369}],"sentiment":"neutral","sentiment_score":0.04807465523481369,"channel":1,"num_words":1,"start":718.345,"end":718.845},{"sentences":[{"text":"it's basically just a click, click, click, click, click after that.","start":718.44,"end":721.42004,"sentiment":"neutral","sentiment_score":0.027394124899398197}],"sentiment":"neutral","sentiment_score":0.027394124899398197,"channel":0,"num_words":11,"start":718.44,"end":721.42004},{"sentences":[{"text":"Okay.","start":721.46497,"end":721.96497,"sentiment":"neutral","sentiment_score":0.10391546785831451}],"sentiment":"neutral","sentiment_score":0.10391546785831451,"channel":1,"num_words":1,"start":721.46497,"end":721.96497},{"sentences":[{"text":"Just to see if you can get through that okay, or you're okay to kinda just click through there.","start":726.375,"end":731.755,"sentiment":"neutral","sentiment_score":0.06965304224898941}],"sentiment":"neutral","sentiment_score":0.06965304224898941,"channel":0,"num_words":19,"start":726.375,"end":731.755},{"sentences":[{"text":"If you if I saw it and text me the next one, then I'll should be alright.","start":732.73,"end":736.42505,"sentiment":"neutral","sentiment_score":0.10496306923382423}],"sentiment":"neutral","sentiment_score":0.10496306923382423,"channel":1,"num_words":17,"start":732.73,"end":736.42505},{"sentences":[{"text":"Yep.","start":737.44,"end":737.92004,"sentiment":"neutral","sentiment_score":0.2685486376285553},{"text":"It is done.","start":737.92004,"end":738.82,"sentiment":"positive","sentiment_score":0.37143760919570923},{"text":"I've got a bit of a flag for the team to put this in on Monday.","start":739.52,"end":743.54004,"sentiment":"neutral","sentiment_score":0.2606113916262984},{"text":"Do you have any last questions for me before I let you go?","start":743.92004,"end":746.58,"sentiment":"neutral","sentiment_score":0.031822261902002186}],"sentiment":"neutral","sentiment_score":0.18079797381704504,"channel":0,"num_words":33,"start":737.44,"end":746.58},{"sentences":[{"text":"No.","start":746.885,"end":747.205,"sentiment":"neutral","sentiment_score":-0.13687653839588165},{"text":"I'll have to read through this later.","start":747.205,"end":748.48505,"sentiment":"neutral","sentiment_score":-0.09831525704690389},{"text":"Once I finish working, I'll sign it.","start":748.48505,"end":750.585,"sentiment":"neutral","sentiment_score":0.05737565777131489}],"sentiment":"neutral","sentiment_score":-0.02823024888833364,"channel":1,"num_words":15,"start":746.885,"end":750.585},{"sentences":[{"text":"Yep.","start":751.935,"end":752.33496,"sentiment":"neutral","sentiment_score":0.20397649705410004},{"text":"No worries at all.","start":752.33496,"end":753.135,"sentiment":"neutral","sentiment_score":0.25506435334682465},{"text":"Any questions at all, just call, text, or email through.","start":753.135,"end":756.115,"sentiment":"neutral","sentiment_score":0.1812195211648941}],"sentiment":"neutral","sentiment_score":0.20242860813935598,"channel":0,"num_words":15,"start":751.935,"end":756.115},{"sentences":[{"text":"Yep.","start":756.39,"end":756.89,"sentiment":"neutral","sentiment_score":0.17087119817733765}],"sentiment":"neutral","sentiment_score":0.17087119817733765,"channel":1,"num_words":1,"start":756.39,"end":756.89},{"sentences":[{"text":"I did kind of touch base during the review, but did you want me to pencil in any other catch ups this year for you or just kind of","start":757.21497,"end":765.76,"sentiment":"neutral","sentiment_score":-0.022122820646598422}],"sentiment":"neutral","sentiment_score":-0.022122820646598422,"channel":0,"num_words":29,"start":757.21497,"end":765.76},{"sentences":[{"text":"No.","start":765.75,"end":766.065,"sentiment":"negative","sentiment_score":-0.3357771933078766}],"sentiment":"negative","sentiment_score":-0.3357771933078766,"channel":1,"num_words":1,"start":765.75,"end":766.065},{"sentences":[{"text":"plug in for that","start":765.76,"end":766.56,"sentiment":"neutral","sentiment_score":-0.24553434923291206}],"sentiment":"neutral","sentiment_score":-0.24553434923291206,"channel":0,"num_words":4,"start":765.76,"end":766.56},{"sentences":[{"text":"No.","start":766.545,"end":767.045,"sentiment":"neutral","sentiment_score":-0.22900372743606567}],"sentiment":"neutral","sentiment_score":-0.22900372743606567,"channel":1,"num_words":1,"start":766.545,"end":767.045},{"sentences":[{"text":"next annual review?","start":766.56,"end":767.62,"sentiment":"neutral","sentiment_score":-0.16657938808202744}],"sentiment":"neutral","sentiment_score":-0.16657938808202744,"channel":0,"num_words":3,"start":766.56,"end":767.62},{"sentences":[{"text":"That end is fine.","start":768.465,"end":769.525,"sentiment":"neutral","sentiment_score":0.258605282753706}],"sentiment":"neutral","sentiment_score":0.258605282753706,"channel":1,"num_words":4,"start":768.465,"end":769.525},{"sentences":[{"text":"Perfect.","start":771.04,"end":771.54,"sentiment":"positive","sentiment_score":0.6153802871704102},{"text":"Alright, Lauren.","start":771.92,"end":772.63995,"sentiment":"neutral","sentiment_score":0.14595569018274546},{"text":"Well, I know you're working at the moment, so thank you for spending a bit of your Friday lunchtime with me.","start":772.63995,"end":778.42,"sentiment":"positive","sentiment_score":0.3759817363960402},{"text":"Anything else I can do before I hop","start":778.935,"end":781.03503,"sentiment":"neutral","sentiment_score":0.08364588022232056}],"sentiment":"neutral","sentiment_score":0.29600234917597845,"channel":0,"num_words":32,"start":771.04,"end":781.03503},{"sentences":[{"text":"No.","start":781.665,"end":781.89,"sentiment":"neutral","sentiment_score":-0.026994556188583377}],"sentiment":"neutral","sentiment_score":-0.026994556188583377,"channel":1,"num_words":1,"start":781.665,"end":781.89},{"sentences":[{"text":"off?","start":783.495,"end":783.73505,"sentiment":"neutral","sentiment_score":0.10809709876775742},{"text":"Awesome.","start":783.73505,"end":784.23505,"sentiment":"positive","sentiment_score":0.7387127876281738},{"text":"Well, thank you again.","start":784.29504,"end":785.435,"sentiment":"positive","sentiment_score":0.7789945602416992},{"text":"Anything you need, just let us know, but have a fantastic weekend.","start":785.655,"end":789.03503,"sentiment":"positive","sentiment_score":0.5737845500310262}],"sentiment":"positive","sentiment_score":0.6026779293186135,"channel":0,"num_words":18,"start":783.495,"end":789.03503},{"sentences":[{"text":"Thank you.","start":789.33,"end":789.91003,"sentiment":"positive","sentiment_score":0.7840641140937805}],"sentiment":"positive","sentiment_score":0.7840641140937805,"channel":1,"num_words":2,"start":789.33,"end":789.91003},{"sentences":[{"text":"Thank you.","start":791.495,"end":792.055,"sentiment":"positive","sentiment_score":0.7256663143634796},{"text":"Bye.","start":792.055,"end":792.555,"sentiment":"neutral","sentiment_score":-0.09492717683315276}],"sentiment":"positive","sentiment_score":0.4521351506312688,"channel":0,"num_words":3,"start":791.495,"end":792.555}]},"summary":{"result":"success","short":"The speaker updates a client's portfolio and sends a new advice document via email. They confirm personal information and update assets and liabilities, providing guidance on navigating the documents and emphasizing the importance of not changing the client's investment strategy. The speaker recommends low fee investments at Oakview and provides information on retirement planning and risk-based investments. They recommend replacing investments with new ones and provide a financial services guide, emphasizing the need for consent before making any changes. The speaker offers to answer any questions before ending the call."},"intents":{"segments":[{"text":"So I'm gonna pop that through to your email. Will you be able to access your email with me today to look at the document? Yep.","start_word":38,"end_word":63,"intents":[{"intent":"Access documents","confidence_score":0.052089356}]},{"text":"And the main thing for you was we were just updating some of your portfolio even though the performance was really good.","start_word":356,"end_word":377,"intents":[{"intent":"Update portfolio","confidence_score":0.58462906}]},{"text":"If you recall, I did flag one of those investments as a bit underperforming. So I just wanted to give it the old engine tune up if that rings a bell. Yes. Yep.","start_word":378,"end_word":410,"intents":[{"intent":"Flag investment","confidence_score":0.30294308},{"intent":"Recall investments","confidence_score":0.007757205}]},{"text":"Outside of that estate planning, we noted that you didn't wanna put any beneficiaries in place, but we're just putting a reminder in here about wills and powers of attorney and things like that. Yeah. Cool.","start_word":411,"end_word":446,"intents":[{"intent":"Highlight wills and powers of attorney","confidence_score":0.022454}]},{"text":"Page after that, it just shows that we are factoring in the premiums for the insurances just to make sure we note the impact of those, but we're not giving insurance advice today.","start_word":447,"end_word":479,"intents":[{"intent":"Reconsider premiums","confidence_score":0.00085066294}]},{"text":"So you're already focusing on, like, your renovations, refreshing the home, getting appliances, travel, paying down the mortgage, and you don't really need us to give you advice on that today. Is that right?","start_word":509,"end_word":542,"intents":[{"intent":"Show interest","confidence_score":0.000023798333}]},{"text":"Now, Lauren, if you could skip through two more pages to the about you section, I just wanna double check that all these details that I've based the advice on are correct. There should be a table in the about you, and the page after that is your assets and liabilities. Main things are payroll officer for the occupation, email and phone number look correct, and Yeah.","start_word":544,"end_word":610,"intents":[{"intent":"Ensure correct details","confidence_score":0.0023429387},{"intent":"Scroll through pages","confidence_score":0.021134293}]},{"text":"Now, Lauren, if you could skip through two more pages to the about you section, I just wanna double check that all these details that I've based the advice on are correct. There should be a table in the about you, and the page after that is your assets and liabilities. Main things are payroll officer for the occupation, email and phone number look correct, and Yeah. we just got the home and savings noted down. Yep. Cool.","start_word":544,"end_word":621,"intents":[{"intent":"Mention tools","confidence_score":0.00018936307}]},{"text":"So beyond that point, we've got your HubSpot. We've got your Neos income protection. If you could just keep scrolling through, you'll see on ten eleven a risk profile section, which just lists you as a growth investor.","start_word":622,"end_word":659,"intents":[{"intent":"Specify mr. eos.","confidence_score":1.1450494e-9}]},{"text":"So beyond that point, we've got your HubSpot. We've got your Neos income protection. If you could just keep scrolling through, you'll see on ten eleven a risk profile section, which just lists you as a growth investor. Yep.","start_word":622,"end_word":660,"intents":[{"intent":"Advise on income protection","confidence_score":2.1183276e-7}]},{"text":"We're just trying to get you as much growth as we can, but you're not in high risk. And like we talked about, when you built your super, we can kind of reduce the risk as you get a bit closer to retirement. Yeah.","start_word":679,"end_word":722,"intents":[{"intent":"Reduce risk","confidence_score":0.03743759}]},{"text":"We've got the strategy recommendations. It's quite text heavy. So just let me know when you can see that heading, and I'll break it down. The grid heading? Below that one, so one more page, you should see strategy. Yep.","start_word":738,"end_word":777,"intents":[{"intent":"Explain strategies","confidence_score":0.010606362}]},{"text":"Again, we do our usual five and ten year projection. I'm not gonna project out the next twenty five, thirty years until we're a bit closer just because so many Yeah.","start_word":867,"end_word":897,"intents":[{"intent":"Discuss age projection","confidence_score":0.00014993886}]},{"text":"Now the main disadvantage for the updates I'm recommending is all of these investments that we're using at Oakview, they are ETFs, which basically means very, very low fees, but we do have to purchase them, which brings some small brokerage fees. That's usually 0.11% to buy them up front, and then they're pretty much the lowest fee investments you can have past that point.","start_word":946,"end_word":1010,"intents":[{"intent":"Recommend investments","confidence_score":0.05109185},{"intent":"Explain reasons for choosing investments","confidence_score":0.000033417182},{"intent":"Explain benefits of low fees","confidence_score":0.008675995}]},{"text":"The fee comparison table on the next page basically just shows you that a small reduction in investment cost, and the very bottom of that table has the performance update there. So it shows a five year rolling average will jump back up from seven to 11 and a half percent. That's going backwards the last five years.","start_word":1335,"end_word":1392,"intents":[{"intent":"Improve investment results","confidence_score":0.0004323196}]},{"text":"The Odoo system, you can pretty much just click the buttons for next document, and it'll skip you through.","start_word":1735,"end_word":1753,"intents":[{"intent":"Manage odoo documents","confidence_score":0.000055814668}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon, Lauren.","start_word":0,"end_word":3,"sentiment":"neutral","sentiment_score":0.2272007018327713},{"text":"It's Good. Good to hear. Good to hear.","start_word":4,"end_word":11,"sentiment":"positive","sentiment_score":0.6456297039985657},{"text":"I've got your updated advice document ready to send through to you. Do you still have a bit of time for me today? Yep.","start_word":12,"end_word":35,"sentiment":"neutral","sentiment_score":0.19434158504009247},{"text":"Perfect. Perfect.","start_word":36,"end_word":37,"sentiment":"positive","sentiment_score":0.3776637017726898},{"text":"So I'm gonna pop that through to your email. Will you be able to access your email with me today to look at the document? Yep. Fantastic. Just while I'm popping that through, could I please confirm for security your date of birth and address? Address is Unit 460 King George Floyd Digital, Yep. and date of birth is sixteen to the second eighty four.","start_word":38,"end_word":102,"sentiment":"neutral","sentiment_score":0.10980596393346786},{"text":"Amazing. Thank you for that.","start_word":103,"end_word":107,"sentiment":"positive","sentiment_score":0.4790704846382141},{"text":"And I'm registered with ASIC as adviser 1273105. Lauren, are you okay for this call to be recorded? Yep.","start_word":108,"end_word":126,"sentiment":"neutral","sentiment_score":0.14728671312332153},{"text":"Fantastic.","start_word":127,"end_word":127,"sentiment":"positive","sentiment_score":0.3481387495994568},{"text":"So that should pop through pretty instantly. It's from our new system, same one that you used during our annual review. And there's a number of sort of provider documents and extra attachments along with this one. So Yeah. I'll just kind of if you can pull this document up and in the email, it may go through your spam, but usually the main inbox pretty quickly. I've got the email, but there's only a link to say sign document. Do I click that? Yeah. So you can click that one. It doesn't do anything. It just brings up the documents for us to walk through first. And it should have actually about seven or eight documents there, but the first one is that beachfront city photo and a statement of the file. Yeah. Perfect. So I'll just get you to scroll through this one with me. I'm not sure if you're on your phone. Like, can you make out the figures? Is it blurry? I can see it's just very small. Yep. No worries. I'll kind of just recap the the. So has the last thing details on it. If you go through to page four and five, there will be a heading called scope of advice Yep. in blue. So, basically, just what this document covers advice wise and what we're not giving advice on today. And the main thing for you was we were just updating some of your portfolio even though the performance was really good.","start_word":128,"end_word":377,"sentiment":"neutral","sentiment_score":0.0005366242751479148},{"text":"If you recall, I did flag one of those investments as a bit underperforming.","start_word":378,"end_word":391,"sentiment":"negative","sentiment_score":-0.36358606815338135},{"text":"So I just wanted to give it the old engine tune up if that rings a bell. Yes. Yep. Outside of that estate planning, we noted that you didn't wanna put any beneficiaries in place, but we're just putting a reminder in here about wills and powers of attorney and things like that. Yeah. Cool. Page after that, it just shows that we are factoring in the premiums for the insurances just to make sure we note the impact of those, but we're not giving insurance advice today. Those were all pretty fine. May revisit a debt later. And the page after that in not considered is basically everything to do with cash flow and debt management. So you're already focusing on, like, your renovations, refreshing the home, getting appliances, travel, paying down the mortgage, and you don't really need us to give you advice on that today. Is that right?","start_word":392,"end_word":542,"sentiment":"neutral","sentiment_score":0.059275709092617035},{"text":"Perfect.","start_word":543,"end_word":543,"sentiment":"positive","sentiment_score":0.5339891910552979},{"text":"Now, Lauren, if you could skip through two more pages to the about you section, I just wanna double check that all these details that I've based the advice on are correct. There should be a table in the about you, and the page after that is your assets and liabilities. Main things are payroll officer for the occupation, email and phone number look correct, and Yeah. we just got the home and savings noted down. Yep. Cool. So beyond that point, we've got your HubSpot. We've got your Neos income protection. If you could just keep scrolling through, you'll see on ten eleven a risk profile section, which just lists you as a growth investor. Yep. So reminder here is that four out of five on the risk scale, 80% in growth assets. We're just trying to get you as much growth as we can, but you're not in high risk. And like we talked about, when you built your super, we can kind of reduce the risk as you get a bit closer to retirement. Yeah. The main area that I'll kind of summarize for you is on page eleven and twelve. We've got the strategy recommendations. It's quite text heavy. So just let me know when you can see that heading, and I'll break it down. The grid heading? Below that one, so one more page, you should see strategy. Yep. Yep. So the main thing is we're not changing super funds at this point. We're continuing the salary sacrifice that you're already doing. So I've factored that in as well. And we're just switching a couple of the investment options around, but it is pretty much a like for like basis. So the fund that wasn't doing so well that was actively managed, we're switching it out for a better one, still the same style, but lower fees, better performance, that kind of thing. Does that make sense? Yep. Again, we do our usual five and ten year projection. I'm not gonna project out the next twenty five, thirty years until we're a bit closer just because so many Yeah. variables and life changes are gonna happen. I can't obviously predict what it's gonna be like when you're 65 at this point. Yes. So if you go down past there, you'll see a salary sacrifice table, which is showing you some advantages and disadvantages in some tables there. Now the main disadvantage for the updates I'm recommending is all of these investments that we're using at Oakview, they are ETFs, which basically means very, very low fees, but we do have to purchase them, which brings some small brokerage fees. That's usually 0.11% to buy them up front, and then they're pretty much the lowest fee investments you can have past that point. So I just wanted to let you know that I've factored that into the projections as well. K. So if you skip past there, you will see risks in terms of, you know, we Mhmm. can't control the stock market. The alternative's being to keep your portfolio as it was and do a bit of a rebalance, which we discounted. And the main two areas I really wanted to show you is on pages fifteen and sixteen. There is a quite a large investments table. If you can let me know when you can see that one.","start_word":544,"end_word":1107,"sentiment":"neutral","sentiment_score":0.06474266822799934},{"text":"Yep. Cool.","start_word":1108,"end_word":1109,"sentiment":"positive","sentiment_score":0.40495023131370544},{"text":"So the only thing to bring your attention to here is that the second last column is the target weighting, and the left hand side is all the different investment options that we're using. And, basically, everything's pretty much staying the same. I'm just rebalancing everything to be back in line with those original percentages that we recommended. And the third row, that's your Benelon option that we're selling out of. And the very last row, Alfiniti Australian shares, that's the option that I've recommended to replace it. Yeah. So if you go past there, we've got your cash table on the next page. We've got your asset allocation pie chart on the page after that. That's a nice colorful one there. In the asset allocation the middle row of that table where it says growth total, and it's like a gray bar. On which page? So this one will be seventeen and eighteen, and it's Yeah. like a colored pie chart, lots of orange and blue, and Yeah. in the middle of the table. So the growth risk profile, you're aiming for about 80%, 80 to 85 in growth assets. You're seeing at 85. Once we rebalance, you're gonna be at 84 and a half. There's pretty much no difference in your growth level. It's just switching them kind of side by side. The fee comparison table on the next page basically just shows you that a small reduction in investment cost, and the very bottom of that table has the performance update there. So it shows a five year rolling average will jump back up from seven to 11 and a half percent. That's going backwards the last five years. Mhmm. K. Last one, there's the updated projection after that, which over five and ten years, if everything goes the way it did the last five and ten years, we're expecting about 40 to a 100,000 difference just by updating those investments. And there's a performance table underneath.","start_word":1110,"end_word":1439,"sentiment":"neutral","sentiment_score":0.15464769728255995},{"text":"And the main thing here is it shows you that one year, three, five, and 10. And I'm just trying to get you that consistent double digit return across all time periods. Yep. That's pretty much it, Lauren. That's a super recommendation. Everything else in this document is just reminding why you should have a will in place and so on.","start_word":1440,"end_word":1500,"sentiment":"positive","sentiment_score":0.4559187889099121},{"text":"Do you have any questions for me? Does that make sense? Not really, but yeah. Sure. So the main thing, I guess, if I can just simplify it a little bit is you've got nine or 10 investment options. I'm making sure that the ones that have gone up and down go back to the middle. The one that was a bad apple gets replaced by another green apple that's a bit better, and we're not changing anything else fundamental about your super right now. Okay. Okay. Outside of that, towards the bottom, it's just got your authority to proceed, which we need your consent before we can change anything. It relists the adviser service fees that we've been charging, the commissions for the Neos and so on. But, basically, if you're comfortable with the plan and you sign it, we can basically hop on on Monday and place some trades and get everything switched around pretty quickly. Yep. The other documents that are there, a lot of this, when you go through this document, if you click the button, it'll pull you to the spots to sign. There's only three spots for a name, date, and signature, but the other seven documents is basically like a research appendix, your certificate to the insurances, and probably about 1,400 pages of of 24 product info, which you don't have to read through all of that. The Odoo system, you can pretty much just click the buttons for next document, and it'll skip you through. The last two is just our updated financial services guide. I only had one document in there. Like, the email just says sign document, but text me to the one thing. Yep. And once you get past that one, so if you go through the bottom, the very, very bottom of that entire document or just click the button, once that document finishes, it'll ask you to look at the next document, and Okay. it's basically just a click, click, click, click, click after that. Okay. Just to see if you can get through that okay, or you're okay to kinda just click through there. If you if I saw it and text me the next one, then I'll should be alright. Yep.","start_word":1501,"end_word":1876,"sentiment":"neutral","sentiment_score":0.0740878803437536},{"text":"It is done.","start_word":1877,"end_word":1879,"sentiment":"positive","sentiment_score":0.3829469084739685},{"text":"I've got a bit of a flag for the team to put this in on Monday. Do you have any last questions for me before I let you go? No. I'll have to read through this later. Once I finish working, I'll sign it. Yep. No worries at all. Any questions at all, just call, text, or email through. Yep. I did kind of touch base during the review, but did you want me to pencil in any other catch ups this year for you or just kind of No. plug in for that No. next annual review? That end is fine.","start_word":1880,"end_word":1981,"sentiment":"neutral","sentiment_score":0.06697718799114227},{"text":"Perfect.","start_word":1982,"end_word":1982,"sentiment":"positive","sentiment_score":0.6153802871704102},{"text":"Alright, Lauren.","start_word":1983,"end_word":1984,"sentiment":"neutral","sentiment_score":0.3049030601978302},{"text":"Well, I know you're working at the moment, so thank you for spending a bit of your Friday lunchtime with me.","start_word":1985,"end_word":2005,"sentiment":"positive","sentiment_score":0.3514666259288788},{"text":"Anything else I can do before I hop No. off?","start_word":2006,"end_word":2015,"sentiment":"neutral","sentiment_score":0.06928101181983948},{"text":"Awesome. Well, thank you again. Anything you need, just let us know, but have a fantastic weekend. Thank you. Thank you. Bye.","start_word":2016,"end_word":2037,"sentiment":"positive","sentiment_score":0.6408817172050476}],"average":{"sentiment":"neutral","sentiment_score":0.10294280090555276}}}}