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Do you still have ten minutes? Perfect. So I'm just going to go through the usual security check, and I've sent you through an email already, but it may go through to your main inbox or spam box. Do you have access to your emails today? Awesome. It's just through to your Outlook. Awesome. And just while you're doing that, do you recall your client password with us? Thank you so much. And are you okay for the call to be recorded? Legendary. Thank you so much. How's your day going? Oh, look. I'm dealing with the same thing. I've got a a six year old who's been quote, unquote sick four or five times in the last fortnight. And I said, buddy, what's going on? And he goes, oh, look. The kids are just being really disruptive, and it just makes me feel bad. So I thought my belly was weird, and I wanted to get home. And I was like, mate, that's that's anxiety, man. That's that's your feelings. You're not actually sick. So trying to coach him through that at the moment. Yeah. Look. It chops and changes so much because when I my younger sees three, and for the first the entire time, he didn't want me to drop him off and only wanted his mom to drop him off. And now it's flipped to the point where when I drop him off, it's smooth. It's perfect. He gives me a hug. He runs off. If mom drops him off, he doesn't wanna go. He's screaming. He wants to stay in the car. So it changes every six to twelve months, and I do yeah. That's why I say, like, let me let me do the drop off so he's fine with that, and then you can pick him up and give him Maccas. Absolutely. And we just had the I hid all the Easter chocolates downstairs in, like, a bar fridge, and the youngest is, like, lactose intolerant. So what does he do? Sneaks off from mom and finds that the kindest is funny, smashes the whole thing, and then it's diarrhea for two days. Yep. Yeah. Yeah. Yeah. There's some, like, all kinds of kind of vegan dairy free ones that we're trialing from different shops. He he he loves them, and I wish he could smash some kind of surprises with me. But there's there's some specifically for him, and he decided to eat his brothers. Yeah. Cool. So before you do anything, there is a link for digital signing through our new CRM, which is Odoo. But before you do that, I've actually attached the statement of advice as, like, an email attachment that you can review with me before you do that. So if you can bring up the statement of advice, you'll see a nice beachfront city picture on the front. If you can let me know when you can see that. No. No. So there should be some, like, PDFs attached at the bottom. Yeah. That's the one. And there's two similar documents. One's got a forest picture. One's got a beachfront city. We're looking for the the Gold Coast looking one. Perfect. So I'll run you through kind of the main point to this because it's quite wording heavy. Just make sure you're comfortable with everything I'm recommending before you do anything. Just as a quick run through as well, so all of the statements of advice, they contain our licensing details on the front, including my representative number with ASIC. So you can see my my sort of full name there. If you scooch through to page four, you'll see scope of advice heading, if you can see that. So main thing that we were doing is we were reviewing the portfolio with the super. We identified one or two options that were a bit of a concern. So the purpose of this advice is to look at updating that and making sure you're still on track for that retirement goal. We've got it there, age 67, but, again, just reviewing the super is the main thing. I did put a little bit in for estate planning because you didn't have, like, a will or power of attorney, and we wanted to make sure that that was kind of sorted. One thing that I will mention is we were talking about putting in place a beneficiary nomination in the interim until you get, like, a will in place, and then we'll update it. So I'll walk you through that specifically towards the bottom of the document. And if you go through to the next page, it's got scope of advice not considered. It's essentially what we're not giving advice on in this document. So we're not looking to change super funds at this point. It's mainly just around the investments. There's been no significant changes with Hub, and we're not doing any contributions. You've got enough for your cash flow and goals that you need to sort out. We're not gonna be looking at contributions. The other thing too was just with the insurances. We already went through your existing insurance policy. Everything was fine for the time being, and you didn't want any quotes for trauma insurance. So I've just got that out of scope, but we have factored in the premiums for the impact it does have on the super as well for the projections. K? And the last part of scoping on the next page is just around your cash flow goal. You were intending to save around $40,000 over the next couple of years for a house deposit. Obviously, we're not giving specific recommendations. That's just something that you're saving towards. Cool. Does all that make sense, Kim? Beautiful. Can you go down a couple more pages? You'll see a limited advice warning. That just talks about that we're not giving all the recommendations under the sun. If the details that we have from you are inaccurate, obviously, that may impact the advice as well. So can you just have a quick look at the about you section on page seven and eight? It's just got your basic details. We've got your income, 100,000, technical officer, phone number, email address, all that kind of thing. And I did split the savings into, like, a weekly amount for the time being. And, again, it's still counted as, I guess, smokers' rates for the time being until that's kind of twelve months free. Cool. Assets and liabilities, we just had the Hilux and the savings. Nothing sort of out of the ordinary there. Perfect. We've got the Hub Super. We've got your one part insurance policy is in there as well. Can you go through to page 10 has your risk profile? And just let me know when you can see those risk profiles. Yep. And then just past that, you'll see blue heading risk profile and then red heading questionnaire growth as the score and recommended. Cool. So one of the things that I was double checking was that previously, you were already in, like, that growth risk level, four out of five. Still focusing on trying to grow your super, but nothing too risky at the moment. So we haven't changed your risk level. We're just updating the investments. Cool. So if you go through, you'll see a nice exploded pie chart. That's just an example of that type of asset allocation. But if you go through to page 12 strategy recommendations for me, please. Cool. So one thing that I'm wanting to do is I investigated do you remember the Benelong investment option that was a bit of a concern for your performance? Yep. So I did find a really good replacement for it, and there was something else that was a little bit strange. I don't like to normally throw out too much sort of technical jargon, but you have this S and P 500 ETF, which gives you access to the American stock market, the top 500 companies. One thing that I noticed was that the performance of that was different than the performance of the actual market where the market was up, like, 16%, but yours was only up three to five. I actually found out what what caused that. When you invest in the American stock market, what happened was that the US dollar started crashing the last twelve months compared to the Australian dollar. So when the returns came back to your super account, it was devalued because the US dollar went down compared to our currency. K? So even though you're in the exact same investments and shares, the dollar difference had caused a split in the performance. So what I've recommended, there's a new sort of we call it an SMA, separately managed account. It puts a bubble around your portfolio and allows Oakview in combination with BlackRock, who's kinda like the biggest fund manager on the planet, they can move around and change your investments throughout the year based on anything. Any updates that we do to our portfolios, they can do it to you live straightaway before everybody else. What they did already was they switched out that investment for one that's currency hedged, which means they trade it in Australian dollars, and that removes that issue completely. So it's a little bit of a trick that the investment committee have just done around Christmas time, and I want to put you into that that bubble so that you get these updates live rather than waiting for me to do that review and switch your investment out. Okay? So if you go through whenever you switch investments in super, sometimes there's, like, a capital gains tax that happens inside the super fund. But our estimate is that you have no to switch the investments, you won't actually pay any capital gains tax. It's all gonna offset each other. K? So all of that text there, it basically just says, I want to put you into this SMA structure, update the investments inside, that removes the Benelong, that fixes the currency hedging. K? If you go down, you'll see a table with advantages and disadvantages. Basically, one of the cool things that we can do is the investments that I've recommended, they've they're lower investment fees than what you currently have. And on top of that, we can get you this SMA bubble on Hub twenty four's core menu, which normally you're in the choice menu, which has the most investment options in the country. It's got 1,300. Normally, if you go to the core menu, it's cheaper. It saves a $180 a year, but you only have access to a 100 options. But the cool thing that we've been able to do is inside that SMA bubble, we have access to everything. So what I'm saying, Kim, is that we can move you into the cheaper menu, but still keep the access to all the investment options. It's really cool. There is a little bit of, like, brokerage fees that happens anytime that we buy ETFs inside super, and that's all been factored into the investment fees. So if you scroll down a couple more pages, can you see the table on page 15? It's a blue table labeled investments. It's got a whole bunch of red text on it. Cool. So these are all your current options. The one at the top, Bennelong concentrated equities, that was the one that was a concern performance wise. And the second last one, s and p 500, that was the one that had the currency issue. So what we're basically doing is we're going to switch all of those. You're gonna keep about half of them. But if you go to the next page, can you see the switch there where it just says SMA bloom? So we're gonna bubble it all into this SMA. All the investments come across, and those ones under the hood, they get switched out, but you're essentially in one option and everything's inside of it. K? So it's a little bit more self managed in a sense. It'll kind of do its thing. You'll actually get change reports if we ever update the investments. You'll get, like, an email saying, hey. We've sold this, and we've that. What it means for you is on the next page, you'll see a lovely pie chart for the asset allocation. No worries. It'll only be a couple of minutes, and then I'll wait. Gotcha. Fantastic. The asset allocation pretty much stays the same. So you're still between 80 to 90% growth assets in that risk profile. You're going from '88 to '86. It's not really much of a change. But the actual outcome here on page 18, can you see this fee comparison table? And it should have, like, three blue bars across it, cost comparison lump sum. Yep. So what it basically shows is your current on the left, recommended in the middle, and the difference on the right. The difference that you get is you save a $180 on the admin fees, $370 on the investment fees, and the returns at the bottom for the last five years, they go from 9.99 to 11.89. So it's almost a 2% extra return per year comparing the two portfolios. K? We've updated the projection below. So over five to ten years, that should help the super buy around about 30 to 50,000 on average. K? And the last thing I wanna point out is just the returns on the next page. It says annualized, and it's got in red March 23. I just wanna point out on the left hand side, I just wanna point out on the left hand side, your portfolio has kind of bounced between, like, 6%, thirteen, and nine, whereas what we're recommending has been doing thirteen, fifteen, and 11. It's just consistently hitting those double digits over every time period. And that's kind of what you want. Like I said last time, you're aiming for 9% plus for your growth risk profile. If we can consistently get double digits, you're good to go. Cool. Awesome. That's pretty much everything for the super. Do you have any questions on that? Cool. The only real difference it means for you is that when you log in to your hub, you'll see the one portfolio and how that's performed, but we have access to all the reporting under the hood now. Cool. It just caps off with your beneficiaries just saying, hey. You wanted to have it equally split between your children for the super and the life insurance. Just that reminder that once you do have the will in place, we can update that so the super goes to the will, and then you can split the children in there, save a bit of tax. Cool. So my team will kind of prefill out some forms as best they can and get them out to you to update the beneficiaries. And once you're okay with this, we'll pretty much update your your menu with Hub 24 and switch the investments. K? The rest of the document, I'm not good. Yeah. Go ahead. It'll pretty much go to them directly. Like, they sometimes they can kind of take over the super, but it'll pretty much be paid out to them in in their name. And then if they're under 18, whoever kind of looks after them will look after the money. Cool. And similar with life insurance, life insurance is just a straight up lump sum to that person. Cool. And not gonna go over, like, the pros and cons of beneficiaries with you again because I'm I'm assuming you remember why we should have that in place, a reminder to put in place a will and a power of attorney. And I'm just scrolling through the documents. We've got the fees and commissions are still listed on page 29, same with that review. So ongoing service fee is still the same. The commissions for the one path is still the 22%. Again, if you ever need a claim on the insurances, like I said, probably we're not the first person you'll call, but we can help you through the claims process if something serious happens. Yep. Sometimes insurers can be a bit difficult to deal with, so we just like to help with the forms, and liaising is kind of the middleman on your behalf. Awesome. There's an authority to proceed at the bottom, and it basically says, hey. These are the steps that we're gonna do. If you consent to this, we'll switch your menu, switch your investments, send you out the forms for the beneficiaries. You just need to get them witnessed because they are legal forms, and we can't put in place a will for you. You have to go talk to a lawyer or a public trustee. Cool. That's pretty much it, Kim. There's an application form to switch your menu attached along with it. Do you have any questions for me? Cool. Awesome. So that signature link has the signatures for this advice document and the menu switch. We do all of the investment switches live on your account. The only other things that I've attached, you probably saw there was about six attachments. It's just all of the Hub twenty four product documents, all of the investment menus, their product disclosure statement. It's got all their fees and and legal information. Cool. Alright. Correct. Yeah. That's right. So the best place to look at those is that fee comparison that I was showing you before. It actually splits it between the account fee, the investment fees, and the adviser fees, and then we factor in premiums for the insurance and also taxes as well, and then take all that into account. Yeah. Let me know how you go with the the new Odoo sign. It's it should have, at the end, a button for you to download a signed copy for yourself, for your own records. But I just wanna know if it is is it straightforward? Do you find that easy to navigate? Cool. Just because this is like a custom built CRM that we've kind of put together, and I just wanna make sure it's just as good for, like, the the DocuSigns and and those types of programs. Yeah. It's really nifty. It it links everything to your client profile, so all the emails link together, all the file notes and everything and tracking the tasks for you. So everything that we do for you in the background, it's all just tracked in this system for us. Makes it a bit easy to make sure we're looking after you. Awesome. Awesome. So I'll just awesome. Good to have the feedback there. One of the things I mentioned in our last call just before I let you go is that as the senior adviser, I just wanted to kind of jump in and help you update the investments in the super. You still have Veronica as, like, a dedicated adviser linked to you. So she'll be doing your annual reviews and looking after you and any questions you might have. If she's not available, you can still speak with me as well. Cool, Kim. No worries at all. We'll get all this updated, and have a fantastic weekend. Have a good one. 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morning, Kim. It's Tommy here from Oakview Financial. How are you doing? I'm doing fantastic. Doing fantastic.\n\nI was just giving you a call this morning to go through those advice updates. Do you still have ten minutes? Perfect. So I'm just going to go through the usual security check, and I've sent you through an email already, but it may go through to your main inbox or spam box. Do you have access to your emails today?\n\nAwesome. It's just through to your Outlook. Awesome. And just while you're doing that, do you recall your client password with us? Thank you so much.\n\nAnd are you okay for the call to be recorded? Legendary. Thank you so much. How's your day going? Oh, look.\n\nI'm dealing with the same thing. I've got a a six year old who's been quote, unquote sick four or five times in the last fortnight. And I said, buddy, what's going on? And he goes, oh, look. The kids are just being really disruptive, and it just makes me feel bad.\n\nSo I thought my belly was weird, and I wanted to get home. And I was like, mate, that's that's anxiety, man. That's that's your feelings. You're not actually sick. So trying to coach him through that at the moment.\n\nYeah. Look. It chops and changes so much because when I my younger sees three, and for the first the entire time, he didn't want me to drop him off and only wanted his mom to drop him off. And now it's flipped to the point where when I drop him off, it's smooth. It's perfect.\n\nHe gives me a hug. He runs off. If mom drops him off, he doesn't wanna go. He's screaming. He wants to stay in the car.\n\nSo it changes every six to twelve months, and I do yeah. That's why I say, like, let me let me do the drop off so he's fine with that, and then you can pick him up and give him Maccas. Absolutely. And we just had the I hid all the Easter chocolates downstairs in, like, a bar fridge, and the youngest is, like, lactose intolerant. So what does he do?\n\nSneaks off from mom and finds that the kindest is funny, smashes the whole thing, and then it's diarrhea for two days. Yep. Yeah. Yeah. Yeah.\n\nThere's some, like, all kinds of kind of vegan dairy free ones that we're trialing from different shops. He he he loves them, and I wish he could smash some kind of surprises with me. But there's there's some specifically for him, and he decided to eat his brothers. Yeah. Cool.\n\nSo before you do anything, there is a link for digital signing through our new CRM, which is Odoo. But before you do that, I've actually attached the statement of advice as, like, an email attachment that you can review with me before you do that. So if you can bring up the statement of advice, you'll see a nice beachfront city picture on the front. If you can let me know when you can see that. No.\n\nNo. So there should be some, like, PDFs attached at the bottom. Yeah. That's the one. And there's two similar documents.\n\nOne's got a forest picture. One's got a beachfront city. We're looking for the the Gold Coast looking one. Perfect. So I'll run you through kind of the main point to this because it's quite wording heavy.\n\nJust make sure you're comfortable with everything I'm recommending before you do anything. Just as a quick run through as well, so all of the statements of advice, they contain our licensing details on the front, including my representative number with ASIC. So you can see my my sort of full name there. If you scooch through to page four, you'll see scope of advice heading, if you can see that. So main thing that we were doing is we were reviewing the portfolio with the super.\n\nWe identified one or two options that were a bit of a concern. So the purpose of this advice is to look at updating that and making sure you're still on track for that retirement goal. We've got it there, age 67, but, again, just reviewing the super is the main thing. I did put a little bit in for estate planning because you didn't have, like, a will or power of attorney, and we wanted to make sure that that was kind of sorted. One thing that I will mention is we were talking about putting in place a beneficiary nomination in the interim until you get, like, a will in place, and then we'll update it.\n\nSo I'll walk you through that specifically towards the bottom of the document. And if you go through to the next page, it's got scope of advice not considered. It's essentially what we're not giving advice on in this document. So we're not looking to change super funds at this point. It's mainly just around the investments.\n\nThere's been no significant changes with Hub, and we're not doing any contributions. You've got enough for your cash flow and goals that you need to sort out. We're not gonna be looking at contributions. The other thing too was just with the insurances. We already went through your existing insurance policy.\n\nEverything was fine for the time being, and you didn't want any quotes for trauma insurance. So I've just got that out of scope, but we have factored in the premiums for the impact it does have on the super as well for the projections. K? And the last part of scoping on the next page is just around your cash flow goal. You were intending to save around $40,000 over the next couple of years for a house deposit.\n\nObviously, we're not giving specific recommendations. That's just something that you're saving towards. Cool. Does all that make sense, Kim? Beautiful.\n\nCan you go down a couple more pages? You'll see a limited advice warning. That just talks about that we're not giving all the recommendations under the sun. If the details that we have from you are inaccurate, obviously, that may impact the advice as well. So can you just have a quick look at the about you section on page seven and eight?\n\nIt's just got your basic details. We've got your income, 100,000, technical officer, phone number, email address, all that kind of thing. And I did split the savings into, like, a weekly amount for the time being. And, again, it's still counted as, I guess, smokers' rates for the time being until that's kind of twelve months free. Cool.\n\nAssets and liabilities, we just had the Hilux and the savings. Nothing sort of out of the ordinary there. Perfect. We've got the Hub Super. We've got your one part insurance policy is in there as well.\n\nCan you go through to page 10 has your risk profile? And just let me know when you can see those risk profiles. Yep. And then just past that, you'll see blue heading risk profile and then red heading questionnaire growth as the score and recommended. Cool.\n\nSo one of the things that I was double checking was that previously, you were already in, like, that growth risk level, four out of five. Still focusing on trying to grow your super, but nothing too risky at the moment. So we haven't changed your risk level. We're just updating the investments. Cool.\n\nSo if you go through, you'll see a nice exploded pie chart. That's just an example of that type of asset allocation. But if you go through to page 12 strategy recommendations for me, please. Cool. So one thing that I'm wanting to do is I investigated do you remember the Benelong investment option that was a bit of a concern for your performance?\n\nYep. So I did find a really good replacement for it, and there was something else that was a little bit strange. I don't like to normally throw out too much sort of technical jargon, but you have this S and P 500 ETF, which gives you access to the American stock market, the top 500 companies. One thing that I noticed was that the performance of that was different than the performance of the actual market where the market was up, like, 16%, but yours was only up three to five. I actually found out what what caused that.\n\nWhen you invest in the American stock market, what happened was that the US dollar started crashing the last twelve months compared to the Australian dollar. So when the returns came back to your super account, it was devalued because the US dollar went down compared to our currency. K? So even though you're in the exact same investments and shares, the dollar difference had caused a split in the performance. So what I've recommended, there's a new sort of we call it an SMA, separately managed account.\n\nIt puts a bubble around your portfolio and allows Oakview in combination with BlackRock, who's kinda like the biggest fund manager on the planet, they can move around and change your investments throughout the year based on anything. Any updates that we do to our portfolios, they can do it to you live straightaway before everybody else. What they did already was they switched out that investment for one that's currency hedged, which means they trade it in Australian dollars, and that removes that issue completely. So it's a little bit of a trick that the investment committee have just done around Christmas time, and I want to put you into that that bubble so that you get these updates live rather than waiting for me to do that review and switch your investment out. Okay?\n\nSo if you go through whenever you switch investments in super, sometimes there's, like, a capital gains tax that happens inside the super fund. But our estimate is that you have no to switch the investments, you won't actually pay any capital gains tax. It's all gonna offset each other. K? So all of that text there, it basically just says, I want to put you into this SMA structure, update the investments inside, that removes the Benelong, that fixes the currency hedging.\n\nK? If you go down, you'll see a table with advantages and disadvantages. Basically, one of the cool things that we can do is the investments that I've recommended, they've they're lower investment fees than what you currently have. And on top of that, we can get you this SMA bubble on Hub twenty four's core menu, which normally you're in the choice menu, which has the most investment options in the country. It's got 1,300.\n\nNormally, if you go to the core menu, it's cheaper. It saves a $180 a year, but you only have access to a 100 options. But the cool thing that we've been able to do is inside that SMA bubble, we have access to everything. So what I'm saying, Kim, is that we can move you into the cheaper menu, but still keep the access to all the investment options. It's really cool.\n\nThere is a little bit of, like, brokerage fees that happens anytime that we buy ETFs inside super, and that's all been factored into the investment fees. So if you scroll down a couple more pages, can you see the table on page 15? It's a blue table labeled investments. It's got a whole bunch of red text on it. Cool.\n\nSo these are all your current options. The one at the top, Bennelong concentrated equities, that was the one that was a concern performance wise. And the second last one, s and p 500, that was the one that had the currency issue. So what we're basically doing is we're going to switch all of those. You're gonna keep about half of them.\n\nBut if you go to the next page, can you see the switch there where it just says SMA bloom? So we're gonna bubble it all into this SMA. All the investments come across, and those ones under the hood, they get switched out, but you're essentially in one option and everything's inside of it. K? So it's a little bit more self managed in a sense.\n\nIt'll kind of do its thing. You'll actually get change reports if we ever update the investments. You'll get, like, an email saying, hey. We've sold this, and we've that. What it means for you is on the next page, you'll see a lovely pie chart for the asset allocation.\n\nNo worries. It'll only be a couple of minutes, and then I'll wait. Gotcha. Fantastic. The asset allocation pretty much stays the same.\n\nSo you're still between 80 to 90% growth assets in that risk profile. You're going from '88 to '86. It's not really much of a change. But the actual outcome here on page 18, can you see this fee comparison table? And it should have, like, three blue bars across it, cost comparison lump sum.\n\nYep. So what it basically shows is your current on the left, recommended in the middle, and the difference on the right. The difference that you get is you save a $180 on the admin fees, $370 on the investment fees, and the returns at the bottom for the last five years, they go from 9.99 to 11.89. So it's almost a 2% extra return per year comparing the two portfolios. K?\n\nWe've updated the projection below. So over five to ten years, that should help the super buy around about 30 to 50,000 on average. K? And the last thing I wanna point out is just the returns on the next page. It says annualized, and it's got in red March 23.\n\nI just wanna point out on the left hand side, I just wanna point out on the left hand side, your portfolio has kind of bounced between, like, 6%, thirteen, and nine, whereas what we're recommending has been doing thirteen, fifteen, and 11. It's just consistently hitting those double digits over every time period. And that's kind of what you want. Like I said last time, you're aiming for 9% plus for your growth risk profile. If we can consistently get double digits, you're good to go.\n\nCool. Awesome. That's pretty much everything for the super. Do you have any questions on that? Cool.\n\nThe only real difference it means for you is that when you log in to your hub, you'll see the one portfolio and how that's performed, but we have access to all the reporting under the hood now. Cool. It just caps off with your beneficiaries just saying, hey. You wanted to have it equally split between your children for the super and the life insurance. Just that reminder that once you do have the will in place, we can update that so the super goes to the will, and then you can split the children in there, save a bit of tax.\n\nCool. So my team will kind of prefill out some forms as best they can and get them out to you to update the beneficiaries. And once you're okay with this, we'll pretty much update your your menu with Hub 24 and switch the investments. K? The rest of the document, I'm not good.\n\nYeah. Go ahead. It'll pretty much go to them directly. Like, they sometimes they can kind of take over the super, but it'll pretty much be paid out to them in in their name. And then if they're under 18, whoever kind of looks after them will look after the money.\n\nCool. And similar with life insurance, life insurance is just a straight up lump sum to that person. Cool. And not gonna go over, like, the pros and cons of beneficiaries with you again because I'm I'm assuming you remember why we should have that in place, a reminder to put in place a will and a power of attorney. And I'm just scrolling through the documents.\n\nWe've got the fees and commissions are still listed on page 29, same with that review. So ongoing service fee is still the same. The commissions for the one path is still the 22%. Again, if you ever need a claim on the insurances, like I said, probably we're not the first person you'll call, but we can help you through the claims process if something serious happens. Yep.\n\nSometimes insurers can be a bit difficult to deal with, so we just like to help with the forms, and liaising is kind of the middleman on your behalf. Awesome. There's an authority to proceed at the bottom, and it basically says, hey. These are the steps that we're gonna do. If you consent to this, we'll switch your menu, switch your investments, send you out the forms for the beneficiaries.\n\nYou just need to get them witnessed because they are legal forms, and we can't put in place a will for you. You have to go talk to a lawyer or a public trustee. Cool. That's pretty much it, Kim. There's an application form to switch your menu attached along with it.\n\nDo you have any questions for me? Cool. Awesome. So that signature link has the signatures for this advice document and the menu switch. We do all of the investment switches live on your account.\n\nThe only other things that I've attached, you probably saw there was about six attachments. It's just all of the Hub twenty four product documents, all of the investment menus, their product disclosure statement. It's got all their fees and and legal information. Cool. Alright.\n\nCorrect. Yeah. That's right. So the best place to look at those is that fee comparison that I was showing you before. It actually splits it between the account fee, the investment fees, and the adviser fees, and then we factor in premiums for the insurance and also taxes as well, and then take all that into account.\n\nYeah. Let me know how you go with the the new Odoo sign. It's it should have, at the end, a button for you to download a signed copy for yourself, for your own records. But I just wanna know if it is is it straightforward? Do you find that easy to navigate?\n\nCool. Just because this is like a custom built CRM that we've kind of put together, and I just wanna make sure it's just as good for, like, the the DocuSigns and and those types of programs. Yeah. It's really nifty. It it links everything to your client profile, so all the emails link together, all the file notes and everything and tracking the tasks for you.\n\nSo everything that we do for you in the background, it's all just tracked in this system for us. Makes it a bit easy to make sure we're looking after you. Awesome. Awesome. So I'll just awesome.\n\nGood to have the feedback there. One of the things I mentioned in our last call just before I let you go is that as the senior adviser, I just wanted to kind of jump in and help you update the investments in the super. You still have Veronica as, like, a dedicated adviser linked to you. So she'll be doing your annual reviews and looking after you and any questions you might have. If she's not available, you can still speak with me as well.\n\nCool, Kim. No worries at all. We'll get all this updated, and have a fantastic weekend. Have a good one. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Kim.","start":2.72,"end":3.52,"sentiment":"neutral","sentiment_score":0.24592543145020804},{"text":"It's Tommy here from Oakview Financial.","start":3.52,"end":5.12,"sentiment":"neutral","sentiment_score":0.16908666988213858},{"text":"How are you doing?","start":5.12,"end":6.02,"sentiment":"neutral","sentiment_score":0.16762946918606758},{"text":"I'm doing fantastic.","start":7.8399997,"end":8.98,"sentiment":"positive","sentiment_score":0.6951851844787598},{"text":"Doing fantastic.","start":9.04,"end":9.86,"sentiment":"positive","sentiment_score":0.7494724988937378}],"sentiment":"positive","sentiment_score":0.3337397078673045,"num_words":18,"start":2.72,"end":9.86},{"sentences":[{"text":"I was just giving you a call this morning to go through those advice updates.","start":10.24,"end":14.08,"sentiment":"neutral","sentiment_score":0.17440163443485895},{"text":"Do you still have ten minutes?","start":14.08,"end":15.38,"sentiment":"neutral","sentiment_score":0.03878152680893739},{"text":"Perfect.","start":16.965,"end":17.445,"sentiment":"neutral","sentiment_score":0.23191457986831665},{"text":"So I'm just going to go through the usual security check, and I've sent you through an email already, but it may go through to your main inbox or spam box.","start":17.445,"end":27.365,"sentiment":"neutral","sentiment_score":0.006496342379719981},{"text":"Do you have access to your emails today?","start":27.365,"end":29.145,"sentiment":"neutral","sentiment_score":0.00368256465299055}],"sentiment":"neutral","sentiment_score":0.05428648177442736,"num_words":61,"start":10.24,"end":29.145},{"sentences":[{"text":"Awesome.","start":30.6,"end":31.0,"sentiment":"neutral","sentiment_score":0.25534743070602417},{"text":"It's just through to your Outlook.","start":31.0,"end":32.22,"sentiment":"neutral","sentiment_score":0.15293112148841223},{"text":"Awesome.","start":34.28,"end":34.68,"sentiment":"neutral","sentiment_score":0.1816757619380951},{"text":"And just while you're doing that, do you recall your client password with us?","start":34.68,"end":39.1,"sentiment":"neutral","sentiment_score":0.029507225711963007},{"text":"Thank you so much.","start":40.68,"end":41.48,"sentiment":"neutral","sentiment_score":0.24911844730377197}],"sentiment":"neutral","sentiment_score":0.10631480272142933,"num_words":26,"start":30.6,"end":41.48},{"sentences":[{"text":"And are you okay for the call to be recorded?","start":41.48,"end":43.42,"sentiment":"neutral","sentiment_score":0.047632649168372156},{"text":"Legendary.","start":44.954998,"end":45.434998,"sentiment":"neutral","sentiment_score":0.15217041969299316},{"text":"Thank you so much.","start":45.434998,"end":46.235,"sentiment":"positive","sentiment_score":0.35697630792856216},{"text":"How's your day going?","start":46.235,"end":47.215,"sentiment":"neutral","sentiment_score":0.1673371121287346},{"text":"Oh, look.","start":54.954998,"end":55.515,"sentiment":"neutral","sentiment_score":-0.19043900817632675}],"sentiment":"neutral","sentiment_score":0.11166059882158325,"num_words":21,"start":41.48,"end":55.515},{"sentences":[{"text":"I'm dealing with the same thing.","start":55.515,"end":56.875,"sentiment":"neutral","sentiment_score":-0.22973826279242834},{"text":"I've got a a six year old who's been quote, unquote sick four or five times in the last fortnight.","start":56.875,"end":62.66,"sentiment":"neutral","sentiment_score":-0.23401610404253007},{"text":"And I said, buddy, what's going on?","start":62.66,"end":64.020004,"sentiment":"neutral","sentiment_score":-0.17269233933516911},{"text":"And he goes, oh, look.","start":64.020004,"end":65.24,"sentiment":"neutral","sentiment_score":-0.21427489221096038},{"text":"The kids are just being really disruptive, and it just makes me feel bad.","start":65.3,"end":68.020004,"sentiment":"negative","sentiment_score":-0.45049082807132174}],"sentiment":"neutral","sentiment_score":-0.2816508478270127,"num_words":52,"start":55.515,"end":68.020004},{"sentences":[{"text":"So I thought my belly was weird, and I wanted to get home.","start":68.020004,"end":70.9,"sentiment":"negative","sentiment_score":-0.3432294267874498},{"text":"And I was like, mate, that's that's anxiety, man.","start":70.9,"end":73.22,"sentiment":"neutral","sentiment_score":-0.26544278860092163},{"text":"That's that's your feelings.","start":73.22,"end":74.840004,"sentiment":"neutral","sentiment_score":-0.13755960762500763},{"text":"You're not actually sick.","start":75.145004,"end":76.525,"sentiment":"neutral","sentiment_score":-0.17622709274291992},{"text":"So trying to coach him through that at the moment.","start":76.745,"end":79.325,"sentiment":"neutral","sentiment_score":-0.15031979158520697}],"sentiment":"neutral","sentiment_score":-0.24023280907422304,"num_words":40,"start":68.020004,"end":79.325},{"sentences":[{"text":"Yeah.","start":87.96,"end":88.46,"sentiment":"neutral","sentiment_score":-0.11521973460912704},{"text":"Look.","start":100.295,"end":100.534996,"sentiment":"neutral","sentiment_score":-0.1462801992893219},{"text":"It chops and changes so much because when I my younger sees three, and for the first the entire time, he didn't want me to drop him off and only wanted his mom to drop him off.","start":100.534996,"end":112.135,"sentiment":"neutral","sentiment_score":-0.11272646134366861},{"text":"And now it's flipped to the point where when I drop him off, it's smooth.","start":112.135,"end":116.07,"sentiment":"neutral","sentiment_score":0.09370155160625776},{"text":"It's perfect.","start":116.07,"end":116.549995,"sentiment":"positive","sentiment_score":0.5668299198150635}],"sentiment":"neutral","sentiment_score":-0.03380706946232489,"num_words":56,"start":87.96,"end":116.549995},{"sentences":[{"text":"He gives me a hug.","start":116.549995,"end":117.43,"sentiment":"positive","sentiment_score":0.36752304434776306},{"text":"He runs off.","start":117.43,"end":118.329994,"sentiment":"neutral","sentiment_score":0.046799033880233765},{"text":"If mom drops him off, he doesn't wanna go.","start":118.39,"end":120.549995,"sentiment":"neutral","sentiment_score":-0.09341141415966882},{"text":"He's screaming.","start":120.549995,"end":121.27,"sentiment":"neutral","sentiment_score":-0.2804645150899887},{"text":"He wants to stay in the 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do?","start":144.44499,"end":145.62,"sentiment":"neutral","sentiment_score":-0.06996185630559922}],"sentiment":"neutral","sentiment_score":-0.028710434633031696,"num_words":71,"start":122.78999,"end":145.62},{"sentences":[{"text":"Sneaks off from mom and finds that the kindest is funny, smashes the whole thing, and then it's diarrhea for two days.","start":145.7,"end":153.23999,"sentiment":"neutral","sentiment_score":-0.2701713043180379},{"text":"Yep.","start":155.94,"end":156.44,"sentiment":"neutral","sentiment_score":-0.13403579592704773},{"text":"Yeah.","start":161.555,"end":161.875,"sentiment":"neutral","sentiment_score":-0.02399388700723648},{"text":"Yeah.","start":161.875,"end":162.075,"sentiment":"neutral","sentiment_score":-0.020181555300951004},{"text":"Yeah.","start":162.075,"end":162.275,"sentiment":"neutral","sentiment_score":-0.016123048961162567}],"sentiment":"neutral","sentiment_score":-0.2360808839305089,"num_words":26,"start":145.7,"end":162.275},{"sentences":[{"text":"There's some, like, all kinds of kind of vegan dairy free ones that we're trialing from different shops.","start":162.275,"end":168.355,"sentiment":"neutral","sentiment_score":-0.00035895976341432986},{"text":"He he he loves them, and I wish he could smash some kind of surprises with me.","start":168.355,"end":172.855,"sentiment":"neutral","sentiment_score":-0.012563181274077472},{"text":"But there's there's some specifically for him, and he decided to eat his brothers.","start":173.02,"end":176.88,"sentiment":"neutral","sentiment_score":-0.196254112092512},{"text":"Yeah.","start":181.58,"end":182.08,"sentiment":"neutral","sentiment_score":-0.128745436668396},{"text":"Cool.","start":191.035,"end":191.435,"sentiment":"positive","sentiment_score":0.5026779174804688}],"sentiment":"neutral","sentiment_score":-0.05085608717419353,"num_words":51,"start":162.275,"end":191.435},{"sentences":[{"text":"So before you do anything, there is a link for digital signing through our new CRM, which is Odoo.","start":191.435,"end":197.695,"sentiment":"neutral","sentiment_score":0.1063454084490475},{"text":"But before you do that, I've actually attached the statement of advice as, like, an email attachment that you can review with me before you do that.","start":197.99,"end":205.05,"sentiment":"neutral","sentiment_score":0.06889832571700767},{"text":"So if you can bring up the statement of advice, you'll see a nice beachfront city picture on the front.","start":206.55,"end":212.925,"sentiment":"neutral","sentiment_score":0.2531121075153351},{"text":"If you can let me know when you can see that.","start":212.925,"end":214.705,"sentiment":"neutral","sentiment_score":0.13340607217767023},{"text":"No.","start":224.06,"end":224.38,"sentiment":"neutral","sentiment_score":-0.15033996105194092}],"sentiment":"neutral","sentiment_score":0.1315408530525672,"num_words":78,"start":191.435,"end":224.38},{"sentences":[{"text":"No.","start":224.38,"end":224.7,"sentiment":"neutral","sentiment_score":-0.16324952244758606},{"text":"So there should be some, like, PDFs attached at the bottom.","start":224.7,"end":227.6,"sentiment":"neutral","sentiment_score":-0.14916387301954356},{"text":"Yeah.","start":230.78,"end":231.1,"sentiment":"neutral","sentiment_score":0.00765883456915617},{"text":"That's the one.","start":231.1,"end":231.92,"sentiment":"neutral","sentiment_score":0.0021664931749304137},{"text":"And there's two similar documents.","start":234.62001,"end":236.595,"sentiment":"neutral","sentiment_score":0.009254834614694118}],"sentiment":"neutral","sentiment_score":-0.083029506595007,"num_words":21,"start":224.38,"end":236.595},{"sentences":[{"text":"One's got a forest picture.","start":236.595,"end":238.035,"sentiment":"neutral","sentiment_score":0.01959740146994591},{"text":"One's got a beachfront city.","start":238.035,"end":239.55501,"sentiment":"neutral","sentiment_score":0.03955034650862217},{"text":"We're looking for the the Gold Coast looking one.","start":239.55501,"end":241.815,"sentiment":"neutral","sentiment_score":0.042569016416867576},{"text":"Perfect.","start":244.35501,"end":244.835,"sentiment":"positive","sentiment_score":0.5084764957427979},{"text":"So I'll run you through kind of the main point to this because it's quite wording heavy.","start":244.835,"end":250.375,"sentiment":"neutral","sentiment_score":0.13164017809664502}],"sentiment":"neutral","sentiment_score":0.09257349759541653,"num_words":37,"start":236.595,"end":250.375},{"sentences":[{"text":"Just make sure you're comfortable with everything I'm recommending before you do anything.","start":250.49,"end":253.87001,"sentiment":"neutral","sentiment_score":0.09749440820171283},{"text":"Just as a quick run through as well, so all of the statements of advice, they contain our licensing details on the front, including my representative number with ASIC.","start":255.29001,"end":263.79,"sentiment":"neutral","sentiment_score":0.07766137914410953},{"text":"So you can see my my sort of full name there.","start":264.045,"end":266.46503,"sentiment":"neutral","sentiment_score":0.07800017906860872},{"text":"If you scooch through to page four, you'll see scope of advice heading, if you can see that.","start":266.52502,"end":273.345,"sentiment":"neutral","sentiment_score":0.02675316180102527},{"text":"So main thing that we were doing is we were reviewing the portfolio with the super.","start":274.845,"end":279.825,"sentiment":"neutral","sentiment_score":0.042833341751247644}],"sentiment":"neutral","sentiment_score":0.06372988105740869,"num_words":87,"start":250.49,"end":279.825},{"sentences":[{"text":"We identified one or two options that were a bit of a concern.","start":280.25998,"end":283.8,"sentiment":"neutral","sentiment_score":-0.06357012316584587},{"text":"So the purpose of this advice is to look at updating that and making sure you're still on track for that retirement goal.","start":283.86,"end":289.96,"sentiment":"neutral","sentiment_score":0.18246396436639453},{"text":"We've got it there, age 67, but, again, just reviewing the super is the main thing.","start":291.53998,"end":295.56,"sentiment":"neutral","sentiment_score":-0.002191995270550251},{"text":"I did put a little bit in for estate planning because you didn't have, like, a will or power of attorney, and we wanted to make sure that that was kind of sorted.","start":295.73502,"end":305.915,"sentiment":"neutral","sentiment_score":0.043364514907201133},{"text":"One thing that I will mention is we were talking about putting in place a beneficiary nomination in the interim until you get, like, a will in place, and then we'll update it.","start":306.295,"end":316.77,"sentiment":"neutral","sentiment_score":0.0011576496798432236}],"sentiment":"neutral","sentiment_score":0.040715415985718116,"num_words":118,"start":280.25998,"end":316.77},{"sentences":[{"text":"So I'll walk you through that specifically towards the bottom of the document.","start":317.71,"end":321.25,"sentiment":"neutral","sentiment_score":-0.008595812062804516},{"text":"And if you go through to the next page, it's got scope of advice not considered.","start":321.735,"end":325.915,"sentiment":"neutral","sentiment_score":-0.1734895841218531},{"text":"It's essentially what we're not giving advice on in this document.","start":326.455,"end":329.51498,"sentiment":"neutral","sentiment_score":-0.2592552968046882},{"text":"So we're not looking to change super funds at this point.","start":331.255,"end":334.135,"sentiment":"neutral","sentiment_score":-0.23348522728139703},{"text":"It's mainly just around the investments.","start":334.135,"end":335.915,"sentiment":"neutral","sentiment_score":-0.14613018184900284}],"sentiment":"neutral","sentiment_score":-0.1611316799790713,"num_words":57,"start":317.71,"end":335.915},{"sentences":[{"text":"There's been no significant changes with Hub, and we're not doing any contributions.","start":336.055,"end":340.8,"sentiment":"neutral","sentiment_score":-0.22250999968785506},{"text":"You've got enough for your cash flow and goals that you need to sort out.","start":341.02,"end":345.02,"sentiment":"neutral","sentiment_score":-0.21384899020195008},{"text":"We're not gonna be looking at contributions.","start":345.02,"end":346.8,"sentiment":"neutral","sentiment_score":-0.10710446962288447},{"text":"The other thing too was just with the insurances.","start":348.69998,"end":350.87997,"sentiment":"neutral","sentiment_score":-0.07155608965290917},{"text":"We already went through your existing insurance policy.","start":351.585,"end":354.965,"sentiment":"neutral","sentiment_score":-0.05400965875014663}],"sentiment":"neutral","sentiment_score":-0.15242650410017142,"num_words":52,"start":336.055,"end":354.965},{"sentences":[{"text":"Everything was fine for the time being, and you didn't want any quotes for trauma insurance.","start":355.505,"end":361.105,"sentiment":"neutral","sentiment_score":-0.0865662710275501},{"text":"So I've just got that out of scope, but we have factored in the premiums for the impact it does have on the super as well for the projections.","start":361.105,"end":368.33,"sentiment":"neutral","sentiment_score":-0.08162719512294078},{"text":"K?","start":370.71,"end":371.11,"sentiment":"neutral","sentiment_score":0.011445190757513046},{"text":"And the last part of scoping on the next page is just around your cash flow goal.","start":371.11,"end":375.21,"sentiment":"neutral","sentiment_score":0.020296706653693142},{"text":"You were intending to save around $40,000 over the next couple of years for a house deposit.","start":375.27,"end":380.25,"sentiment":"neutral","sentiment_score":0.013800112859291188}],"sentiment":"neutral","sentiment_score":-0.03951447340659797,"num_words":80,"start":355.505,"end":380.25},{"sentences":[{"text":"Obviously, we're not giving specific recommendations.","start":380.575,"end":382.83502,"sentiment":"neutral","sentiment_score":-0.23619385560353598},{"text":"That's just something that you're saving towards.","start":383.135,"end":385.075,"sentiment":"neutral","sentiment_score":-0.12283730719770704},{"text":"Cool.","start":386.495,"end":386.73502,"sentiment":"neutral","sentiment_score":0.2386481612920761},{"text":"Does all that make sense, Kim?","start":386.73502,"end":388.275,"sentiment":"neutral","sentiment_score":0.18833033740520477},{"text":"Beautiful.","start":389.775,"end":390.275,"sentiment":"neutral","sentiment_score":0.31417930126190186}],"sentiment":"neutral","sentiment_score":-0.028295942715236118,"num_words":21,"start":380.575,"end":390.275},{"sentences":[{"text":"Can you go down a couple more pages?","start":390.33502,"end":392.17502,"sentiment":"neutral","sentiment_score":-0.007968755206093192},{"text":"You'll see a limited advice warning.","start":392.17502,"end":394.33502,"sentiment":"neutral","sentiment_score":-0.23910857240358988},{"text":"That just talks about that we're not giving all the recommendations under the sun.","start":394.33502,"end":398.41,"sentiment":"neutral","sentiment_score":-0.24777429604104587},{"text":"If the details that we have from you are inaccurate, obviously, that may impact the advice as well.","start":398.55002,"end":403.85,"sentiment":"neutral","sentiment_score":-0.2912857797410753},{"text":"So can you just have a quick look at the about you section on page seven and eight?","start":404.95,"end":411.05002,"sentiment":"neutral","sentiment_score":0.005774805632730325}],"sentiment":"neutral","sentiment_score":-0.157913111790549,"num_words":64,"start":390.33502,"end":411.05002},{"sentences":[{"text":"It's just got your basic details.","start":411.365,"end":413.225,"sentiment":"neutral","sentiment_score":0.010050404661645492},{"text":"We've got your income, 100,000, technical officer, phone number, email address, all that kind of thing.","start":413.365,"end":420.885,"sentiment":"neutral","sentiment_score":0.01852677541319281},{"text":"And I did split the savings into, like, a weekly amount for the time being.","start":420.885,"end":424.905,"sentiment":"neutral","sentiment_score":0.009322889583806197},{"text":"And, again, it's still counted as, I guess, smokers' rates for the time being until that's kind of twelve months free.","start":427.02,"end":434.16,"sentiment":"neutral","sentiment_score":-0.016814709596690677},{"text":"Cool.","start":435.82,"end":436.32,"sentiment":"neutral","sentiment_score":0.2553293704986572}],"sentiment":"neutral","sentiment_score":0.006759231310274641,"num_words":59,"start":411.365,"end":436.32},{"sentences":[{"text":"Assets and liabilities, we just had the Hilux and the savings.","start":437.98,"end":440.8,"sentiment":"neutral","sentiment_score":0.09660336375236511},{"text":"Nothing sort of out of the ordinary there.","start":441.255,"end":444.695,"sentiment":"neutral","sentiment_score":0.014386408030986786},{"text":"Perfect.","start":444.695,"end":445.095,"sentiment":"positive","sentiment_score":0.5286589860916138},{"text":"We've got the Hub Super.","start":445.095,"end":446.39502,"sentiment":"neutral","sentiment_score":0.28499656915664673},{"text":"We've got your one part insurance policy is in there as well.","start":446.695,"end":450.875,"sentiment":"neutral","sentiment_score":0.11858531646430492}],"sentiment":"neutral","sentiment_score":0.12309172689109235,"num_words":37,"start":437.98,"end":450.875},{"sentences":[{"text":"Can you go through to page 10 has your risk profile?","start":451.095,"end":454.95502,"sentiment":"neutral","sentiment_score":0.030812230130488224},{"text":"And just let me know when you can see those risk profiles.","start":457.56,"end":460.22,"sentiment":"neutral","sentiment_score":0.02275248127989471},{"text":"Yep.","start":466.6,"end":466.92,"sentiment":"neutral","sentiment_score":0.03414291888475418},{"text":"And then just past that, you'll see blue heading risk profile and then red heading questionnaire growth as the score and recommended.","start":466.92,"end":475.315,"sentiment":"neutral","sentiment_score":0.03646359787407247},{"text":"Cool.","start":477.855,"end":478.33502,"sentiment":"neutral","sentiment_score":0.14682909846305847}],"sentiment":"neutral","sentiment_score":0.03393905271003221,"num_words":47,"start":451.095,"end":478.33502},{"sentences":[{"text":"So one of the things that I was double checking was that previously, you were already in, like, that growth risk level, four out of five.","start":478.33502,"end":485.56,"sentiment":"neutral","sentiment_score":-0.007822126508332215},{"text":"Still focusing on trying to grow your super, but nothing too risky at the moment.","start":485.78,"end":489.48,"sentiment":"neutral","sentiment_score":-0.039337265739838284},{"text":"So we haven't changed your risk level.","start":489.62,"end":491.7,"sentiment":"neutral","sentiment_score":-0.07207562295453888},{"text":"We're just updating the investments.","start":491.7,"end":493.16,"sentiment":"neutral","sentiment_score":-0.033091665059328076},{"text":"Cool.","start":495.3,"end":495.7,"sentiment":"neutral","sentiment_score":0.1667613983154297}],"sentiment":"neutral","sentiment_score":-0.02401223264772583,"num_words":54,"start":478.33502,"end":495.7},{"sentences":[{"text":"So if you go through, you'll see a nice exploded pie chart.","start":495.7,"end":498.58,"sentiment":"neutral","sentiment_score":0.13659838338692984},{"text":"That's just an example of that type of asset allocation.","start":498.58,"end":502.345,"sentiment":"neutral","sentiment_score":0.06268595978617668},{"text":"But if you go through to page 12 strategy recommendations for me, please.","start":502.805,"end":507.465,"sentiment":"neutral","sentiment_score":0.029917061042327147},{"text":"Cool.","start":509.125,"end":509.625,"sentiment":"neutral","sentiment_score":0.11164981126785278},{"text":"So one thing that I'm wanting to do is I investigated do you remember the Benelong investment option that was a bit of a concern for your performance?","start":509.76498,"end":516.74,"sentiment":"neutral","sentiment_score":-0.05786411856700267}],"sentiment":"neutral","sentiment_score":0.017912757553858683,"num_words":64,"start":495.7,"end":516.74},{"sentences":[{"text":"Yep.","start":518.64,"end":519.12,"sentiment":"neutral","sentiment_score":0.058763034641742706},{"text":"So I did find a really good replacement for it, and there was something else that was a little bit strange.","start":519.12,"end":525.3,"sentiment":"neutral","sentiment_score":0.014503827850733484},{"text":"I don't like to normally throw out too much sort of technical jargon, but you have this S and P 500 ETF, which gives you access to the American stock market, the top 500 companies.","start":525.76,"end":538.59503,"sentiment":"neutral","sentiment_score":0.005321452873093741},{"text":"One thing that I noticed was that the performance of that was different than the performance of the actual market where the market was up, like, 16%, but yours was only up three to five.","start":539.33997,"end":550.16,"sentiment":"neutral","sentiment_score":-0.2328767934015819},{"text":"I actually found out what what caused that.","start":551.5,"end":553.92,"sentiment":"neutral","sentiment_score":-0.2965521290898323}],"sentiment":"neutral","sentiment_score":-0.09973510531708599,"num_words":100,"start":518.64,"end":553.92},{"sentences":[{"text":"When you invest in the American stock market, what happened was that the US dollar started crashing the last twelve months compared to the Australian dollar.","start":555.77496,"end":563.63495,"sentiment":"neutral","sentiment_score":-0.2997534212011557},{"text":"So when the returns came back to your super account, it was devalued because the US dollar went down compared to our currency.","start":564.735,"end":571.54,"sentiment":"neutral","sentiment_score":-0.2913641877796339},{"text":"K?","start":573.6,"end":573.83997,"sentiment":"neutral","sentiment_score":-0.02149638906121254},{"text":"So even though you're in the exact same investments and shares, the dollar difference had caused a split in the performance.","start":573.83997,"end":580.74,"sentiment":"neutral","sentiment_score":-0.24122208427815212},{"text":"So what I've recommended, there's a new sort of we call it an SMA, separately managed account.","start":581.145,"end":587.965,"sentiment":"neutral","sentiment_score":0.0453659266452579}],"sentiment":"neutral","sentiment_score":-0.21376028041016648,"num_words":88,"start":555.77496,"end":587.965},{"sentences":[{"text":"It puts a bubble around your portfolio and allows Oakview in combination with BlackRock, who's kinda like the biggest fund manager on the planet, they can move around and change your investments throughout the year based on anything.","start":588.025,"end":603.24005,"sentiment":"neutral","sentiment_score":0.13535981497874386},{"text":"Any updates that we do to our portfolios, they can do it to you live straightaway before everybody else.","start":603.24005,"end":609.02,"sentiment":"neutral","sentiment_score":0.14546888321638107},{"text":"What they did already was they switched out that investment for one that's currency hedged, which means they trade it in Australian dollars, and that removes that issue completely.","start":611.565,"end":622.865,"sentiment":"neutral","sentiment_score":-0.009406006477516273},{"text":"So it's a little bit of a trick that the investment committee have just done around Christmas time, and I want to put you into that that bubble so that you get these updates live rather than waiting for me to do that review and switch your investment out.","start":625.21,"end":637.365,"sentiment":"neutral","sentiment_score":0.1788655387199655},{"text":"Okay?","start":639.125,"end":639.625,"sentiment":"neutral","sentiment_score":0.07783252745866776}],"sentiment":"neutral","sentiment_score":0.12115479034700376,"num_words":136,"start":588.025,"end":639.625},{"sentences":[{"text":"So if you go through whenever you switch investments in super, sometimes there's, like, a capital gains tax that happens inside the super fund.","start":640.005,"end":648.985,"sentiment":"neutral","sentiment_score":-0.03402663049443314},{"text":"But our estimate is that you have no to switch the investments, you won't actually pay any capital gains tax.","start":650.34,"end":657.4,"sentiment":"neutral","sentiment_score":0.06928089447319508},{"text":"It's all gonna offset each other.","start":657.46,"end":659.24,"sentiment":"neutral","sentiment_score":0.05027742808063825},{"text":"K?","start":660.74,"end":661.24,"sentiment":"neutral","sentiment_score":0.05535188689827919},{"text":"So all of that text there, it basically just says, I want to put you into this SMA structure, update the investments inside, that removes the Benelong, that fixes the currency hedging.","start":661.3,"end":673.005,"sentiment":"neutral","sentiment_score":0.06522232596762478}],"sentiment":"neutral","sentiment_score":0.03630252583064588,"num_words":83,"start":640.005,"end":673.005},{"sentences":[{"text":"K?","start":675.14496,"end":675.64496,"sentiment":"neutral","sentiment_score":0.04492339491844177},{"text":"If you go down, you'll see a table with advantages and disadvantages.","start":675.945,"end":678.925,"sentiment":"neutral","sentiment_score":0.017557820111202698},{"text":"Basically, one of the cool things that we can do is the investments that I've recommended, they've they're lower investment fees than what you currently have.","start":680.49005,"end":687.87006,"sentiment":"positive","sentiment_score":0.3897057677117678},{"text":"And on top of that, we can get you this SMA bubble on Hub twenty four's core menu, which normally you're in the choice menu, which has the most investment options in the country.","start":689.05005,"end":700.185,"sentiment":"neutral","sentiment_score":0.22201255292576902},{"text":"It's got 1,300.","start":700.185,"end":701.805,"sentiment":"neutral","sentiment_score":0.15829999248186746}],"sentiment":"neutral","sentiment_score":0.24225386807474455,"num_words":76,"start":675.14496,"end":701.805},{"sentences":[{"text":"Normally, if you go to the core menu, it's cheaper.","start":703.22504,"end":705.78503,"sentiment":"neutral","sentiment_score":0.1914490729570389},{"text":"It saves a $180 a year, but you only have access to a 100 options.","start":705.78503,"end":709.885,"sentiment":"neutral","sentiment_score":0.119038887321949},{"text":"But the cool thing that we've been able to do is inside that SMA bubble, we have access to everything.","start":711.22,"end":716.19995,"sentiment":"neutral","sentiment_score":0.24691558629274368},{"text":"So what I'm saying, Kim, is that we can move you into the cheaper menu, but still keep the access to all the investment options.","start":717.86,"end":724.12,"sentiment":"neutral","sentiment_score":0.11569023370742798},{"text":"It's really cool.","start":725.805,"end":726.785,"sentiment":"positive","sentiment_score":0.35007354617118835}],"sentiment":"neutral","sentiment_score":0.1723405787185447,"num_words":73,"start":703.22504,"end":726.785},{"sentences":[{"text":"There is a little bit of, like, brokerage fees that happens anytime that we buy ETFs inside super, and that's all been factored into the investment fees.","start":727.165,"end":735.265,"sentiment":"neutral","sentiment_score":0.0449643529675625},{"text":"So if you scroll down a couple more pages, can you see the table on page 15?","start":737.58,"end":742.3,"sentiment":"neutral","sentiment_score":0.06351952627301216},{"text":"It's a blue table labeled investments.","start":742.3,"end":745.18,"sentiment":"neutral","sentiment_score":0.09402783215045929},{"text":"It's got a whole bunch of red text on it.","start":745.18,"end":747.52,"sentiment":"neutral","sentiment_score":0.11250532194972038},{"text":"Cool.","start":749.35504,"end":749.835,"sentiment":"neutral","sentiment_score":0.2472779005765915}],"sentiment":"neutral","sentiment_score":0.06935028835642533,"num_words":61,"start":727.165,"end":749.835},{"sentences":[{"text":"So these are all your current options.","start":749.835,"end":751.85504,"sentiment":"neutral","sentiment_score":-0.007012200275702136},{"text":"The one at the top, Bennelong concentrated equities, that was the one that was a concern performance wise.","start":752.715,"end":759.29504,"sentiment":"neutral","sentiment_score":-0.0871159787186318},{"text":"And the second last one, s and p 500, that was the one that had the currency issue.","start":760.88995,"end":766.35,"sentiment":"neutral","sentiment_score":-0.009337857727789216},{"text":"So what we're basically doing is we're going to switch all of those.","start":768.17,"end":771.70996,"sentiment":"neutral","sentiment_score":0.037262349747694455},{"text":"You're gonna keep about half of them.","start":771.76996,"end":773.61,"sentiment":"neutral","sentiment_score":0.023377968929708004}],"sentiment":"neutral","sentiment_score":-0.01805076394821443,"num_words":63,"start":749.835,"end":773.61},{"sentences":[{"text":"But if you go to the next page, can you see the switch there where it just says SMA bloom?","start":773.61,"end":778.72504,"sentiment":"neutral","sentiment_score":0.017001634230837226},{"text":"So we're gonna bubble it all into this SMA.","start":780.705,"end":783.28503,"sentiment":"neutral","sentiment_score":0.05898681986663076},{"text":"All the investments come across, and those ones under the hood, they get switched out, but you're essentially in one option and everything's inside of it.","start":783.505,"end":791.61005,"sentiment":"neutral","sentiment_score":0.08257171282401451},{"text":"K?","start":793.35004,"end":793.67004,"sentiment":"neutral","sentiment_score":0.03256708011031151},{"text":"So it's a little bit more self managed in a sense.","start":793.67004,"end":796.97003,"sentiment":"neutral","sentiment_score":0.06261242384260352}],"sentiment":"neutral","sentiment_score":0.05580719909283208,"num_words":67,"start":773.61,"end":796.97003},{"sentences":[{"text":"It'll kind of do its thing.","start":797.11005,"end":798.71,"sentiment":"neutral","sentiment_score":0.0876249298453331},{"text":"You'll actually get change reports if we ever update the investments.","start":798.71,"end":802.01,"sentiment":"neutral","sentiment_score":0.0788272229785269},{"text":"You'll get, like, an email saying, hey.","start":802.065,"end":803.745,"sentiment":"neutral","sentiment_score":0.06694641602890831},{"text":"We've sold this, and we've that.","start":803.745,"end":806.005,"sentiment":"neutral","sentiment_score":0.03218706759313742},{"text":"What it means for you is on the next page, you'll see a lovely pie chart for the asset allocation.","start":807.985,"end":813.685,"sentiment":"neutral","sentiment_score":0.16300916485488415}],"sentiment":"neutral","sentiment_score":0.10629559293389321,"num_words":50,"start":797.11005,"end":813.685},{"sentences":[{"text":"No worries.","start":819.76,"end":820.24,"sentiment":"neutral","sentiment_score":0.07518824562430382},{"text":"It'll only be a couple of minutes, and then I'll wait.","start":820.24,"end":822.4,"sentiment":"neutral","sentiment_score":0.04099080847068266},{"text":"Gotcha.","start":822.4,"end":822.9,"sentiment":"neutral","sentiment_score":0.021819978952407837},{"text":"Fantastic.","start":826.08,"end":826.58,"sentiment":"positive","sentiment_score":0.6446162462234497},{"text":"The asset allocation pretty much stays the same.","start":827.44,"end":829.965,"sentiment":"positive","sentiment_score":0.3753661997616291}],"sentiment":"neutral","sentiment_score":0.18568005250847858,"num_words":23,"start":819.76,"end":829.965},{"sentences":[{"text":"So you're still between 80 to 90% growth assets in that risk profile.","start":829.965,"end":835.265,"sentiment":"neutral","sentiment_score":0.07791828278165597},{"text":"You're going from '88 to '86.","start":835.48505,"end":837.16504,"sentiment":"neutral","sentiment_score":0.00020918306351328862},{"text":"It's not really much of a change.","start":837.16504,"end":838.78503,"sentiment":"neutral","sentiment_score":-0.11027756759098598},{"text":"But the actual outcome here on page 18, can you see this fee comparison table?","start":840.84503,"end":849.07,"sentiment":"neutral","sentiment_score":0.04885951156417529},{"text":"And it should have, like, three blue bars across it, cost comparison lump sum.","start":849.07,"end":853.38995,"sentiment":"neutral","sentiment_score":0.06939853987257395}],"sentiment":"neutral","sentiment_score":0.03539494605607946,"num_words":55,"start":829.965,"end":853.38995},{"sentences":[{"text":"Yep.","start":853.38995,"end":853.87,"sentiment":"neutral","sentiment_score":0.04979180917143822},{"text":"So what it basically shows is your current on the left, recommended in the middle, and the difference on the right.","start":853.87,"end":859.88995,"sentiment":"neutral","sentiment_score":0.05713474644081933},{"text":"The difference that you get is you save a $180 on the admin fees, $370 on the investment fees, and the returns at the bottom for the last five years, they go from 9.99 to 11.89.","start":860.19,"end":876.89,"sentiment":"neutral","sentiment_score":0.15250968891713354},{"text":"So it's almost a 2% extra return per year comparing the two portfolios.","start":876.89,"end":881.55,"sentiment":"neutral","sentiment_score":0.0593838427359095},{"text":"K?","start":883.61,"end":884.08997,"sentiment":"neutral","sentiment_score":0.05642671883106232}],"sentiment":"neutral","sentiment_score":0.10511648555337968,"num_words":72,"start":853.38995,"end":884.08997},{"sentences":[{"text":"We've updated the projection below.","start":884.08997,"end":885.95,"sentiment":"neutral","sentiment_score":0.10074640363454819},{"text":"So over five to ten years, that should help the super buy around about 30 to 50,000 on average.","start":886.17,"end":893.395,"sentiment":"neutral","sentiment_score":0.13210370666102358},{"text":"K?","start":894.175,"end":894.655,"sentiment":"neutral","sentiment_score":0.04442309960722923},{"text":"And the last thing I wanna point out is just the returns on the next page.","start":894.655,"end":898.72614,"sentiment":"neutral","sentiment_score":0.046661034459248185},{"text":"It says annualized, and it's got in red March 23.","start":898.72614,"end":902.33496,"sentiment":"neutral","sentiment_score":0.03170665893703699}],"sentiment":"neutral","sentiment_score":0.08081899382466194,"num_words":51,"start":884.08997,"end":902.33496},{"sentences":[{"text":"I just wanna point out on the left hand side, I just wanna point out on the left hand side, your portfolio has kind of bounced between, like, 6%, thirteen, and nine, whereas what we're recommending has been doing thirteen, fifteen, and 11.","start":902.335,"end":915.49005,"sentiment":"neutral","sentiment_score":0.06256520843436551},{"text":"It's just consistently hitting those double digits over every time period.","start":915.55005,"end":919.27496,"sentiment":"neutral","sentiment_score":0.11849652637134898},{"text":"And that's kind of what you want.","start":920.77496,"end":922.375,"sentiment":"neutral","sentiment_score":0.189953190939767},{"text":"Like I said last time, you're aiming for 9% plus for your growth risk profile.","start":922.375,"end":926.555,"sentiment":"neutral","sentiment_score":0.15713101327419282},{"text":"If we can consistently get double digits, you're good to go.","start":926.855,"end":930.395,"sentiment":"neutral","sentiment_score":0.23171640661629764}],"sentiment":"neutral","sentiment_score":0.11757797426704703,"num_words":87,"start":902.335,"end":930.395},{"sentences":[{"text":"Cool.","start":932.47003,"end":932.97003,"sentiment":"neutral","sentiment_score":0.27139008045196533},{"text":"Awesome.","start":933.67,"end":934.15,"sentiment":"positive","sentiment_score":0.5291116237640381},{"text":"That's pretty much everything for the super.","start":934.15,"end":935.75,"sentiment":"positive","sentiment_score":0.4520488551684788},{"text":"Do you have any questions on that?","start":935.75,"end":937.29,"sentiment":"neutral","sentiment_score":0.15572665206023625},{"text":"Cool.","start":940.31,"end":940.71,"sentiment":"neutral","sentiment_score":0.2842157781124115}],"sentiment":"neutral","sentiment_score":0.31406741370173064,"num_words":17,"start":932.47003,"end":940.71},{"sentences":[{"text":"The only real difference it means for you is that when you log in to your hub, you'll see the one portfolio and how that's performed, but we have access to all the reporting under the hood now.","start":940.71,"end":950.84503,"sentiment":"neutral","sentiment_score":0.09252062459525309},{"text":"Cool.","start":952.505,"end":953.005,"sentiment":"positive","sentiment_score":0.5164930820465088},{"text":"It just caps off with your beneficiaries just saying, hey.","start":953.30505,"end":956.685,"sentiment":"neutral","sentiment_score":0.33224892020225527},{"text":"You wanted to have it equally split between your children for the super and the life insurance.","start":957.145,"end":962.42,"sentiment":"neutral","sentiment_score":0.2132006335784407},{"text":"Just that reminder that once you do have the will in place, we can update that so the super goes to the will, and then you can split the children in there, save a bit of tax.","start":965.04,"end":974.66,"sentiment":"neutral","sentiment_score":0.2017962145241531}],"sentiment":"neutral","sentiment_score":0.17908385171762947,"num_words":103,"start":940.71,"end":974.66},{"sentences":[{"text":"Cool.","start":976.325,"end":976.825,"sentiment":"positive","sentiment_score":0.6984745264053345},{"text":"So my team will kind of prefill out some forms as best they can and get them out to you to update the beneficiaries.","start":976.885,"end":982.425,"sentiment":"positive","sentiment_score":0.3818581315378348},{"text":"And once you're okay with this, we'll pretty much update your your menu with Hub 24 and switch the investments.","start":983.285,"end":990.75,"sentiment":"neutral","sentiment_score":0.19712144061923026},{"text":"K?","start":993.53,"end":994.03,"sentiment":"neutral","sentiment_score":0.035275839269161224},{"text":"The rest of the document, I'm not good.","start":994.17,"end":996.01,"sentiment":"negative","sentiment_score":-0.33743899688124657}],"sentiment":"neutral","sentiment_score":0.20631967333179932,"num_words":54,"start":976.325,"end":996.01},{"sentences":[{"text":"Yeah.","start":996.01,"end":996.17,"sentiment":"neutral","sentiment_score":-0.23737400770187375},{"text":"Go ahead.","start":996.17,"end":996.91,"sentiment":"neutral","sentiment_score":-0.1540985256433487},{"text":"It'll pretty much go to them directly.","start":1009.305,"end":1011.885,"sentiment":"neutral","sentiment_score":-0.031947992742061615},{"text":"Like, they sometimes they can kind of take over the super, but it'll pretty much be paid out to them in in their name.","start":1012.10504,"end":1018.83997,"sentiment":"neutral","sentiment_score":0.004771440057083964},{"text":"And then if they're under 18, whoever kind of looks after them will look after the money.","start":1018.89996,"end":1023.56,"sentiment":"neutral","sentiment_score":-0.01843015816720093}],"sentiment":"neutral","sentiment_score":-0.018980492855988296,"num_words":51,"start":996.01,"end":1023.56},{"sentences":[{"text":"Cool.","start":1028.035,"end":1028.535,"sentiment":"neutral","sentiment_score":0.21135234832763672},{"text":"And similar with life insurance, life insurance is just a straight up lump sum to that person.","start":1028.595,"end":1033.015,"sentiment":"neutral","sentiment_score":0.11195269709124285},{"text":"Cool.","start":1035.795,"end":1036.275,"sentiment":"positive","sentiment_score":0.343781441450119},{"text":"And not gonna go over, like, the pros and cons of beneficiaries with you again because I'm I'm assuming you remember why we should have that in place, a reminder to put in place a will and a power of attorney.","start":1036.275,"end":1048.37,"sentiment":"neutral","sentiment_score":0.05161154270172119},{"text":"And I'm just scrolling through the documents.","start":1048.6699,"end":1050.5299,"sentiment":"neutral","sentiment_score":0.010987778061202593}],"sentiment":"neutral","sentiment_score":0.06942264682877419,"num_words":67,"start":1028.035,"end":1050.5299},{"sentences":[{"text":"We've got the fees and commissions are still listed on page 29, same with that review.","start":1051.1849,"end":1058.565,"sentiment":"neutral","sentiment_score":0.016334611107595265},{"text":"So ongoing service fee is still the same.","start":1058.865,"end":1061.605,"sentiment":"neutral","sentiment_score":0.015026578214019537},{"text":"The commissions for the one path is still the 22%.","start":1062.225,"end":1065.0449,"sentiment":"neutral","sentiment_score":-0.006419520825147629},{"text":"Again, if you ever need a claim on the insurances, like I said, probably we're not the first person you'll call, but we can help you through the claims process if something serious happens.","start":1065.69,"end":1074.99,"sentiment":"neutral","sentiment_score":0.05942373607745942},{"text":"Yep.","start":1076.57,"end":1077.07,"sentiment":"neutral","sentiment_score":0.2452488988637924}],"sentiment":"neutral","sentiment_score":0.03743517566202344,"num_words":69,"start":1051.1849,"end":1077.07},{"sentences":[{"text":"Sometimes insurers can be a bit difficult to deal with, so we just like to help with the forms, and liaising is kind of the middleman on your behalf.","start":1077.37,"end":1084.4551,"sentiment":"neutral","sentiment_score":0.0874279859507906},{"text":"Awesome.","start":1088.035,"end":1088.535,"sentiment":"positive","sentiment_score":0.5217382311820984},{"text":"There's an authority to proceed at the bottom, and it basically says, hey.","start":1088.995,"end":1092.355,"sentiment":"neutral","sentiment_score":0.20510876522614405},{"text":"These are the steps that we're gonna do.","start":1092.355,"end":1094.295,"sentiment":"neutral","sentiment_score":0.19194826669991016},{"text":"If you consent to this, we'll switch your menu, switch your investments, send you out the forms for the beneficiaries.","start":1094.355,"end":1100.41,"sentiment":"neutral","sentiment_score":0.17291000969707965}],"sentiment":"neutral","sentiment_score":0.1509485929469827,"num_words":71,"start":1077.37,"end":1100.41},{"sentences":[{"text":"You just need to get them witnessed because they are legal forms, and we can't put in place a will for you.","start":1100.79,"end":1107.03,"sentiment":"neutral","sentiment_score":0.10086951624940742},{"text":"You have to go talk to a lawyer or a public trustee.","start":1107.03,"end":1110.41,"sentiment":"neutral","sentiment_score":0.002174699679017067},{"text":"Cool.","start":1113.285,"end":1113.765,"sentiment":"neutral","sentiment_score":0.29018908739089966},{"text":"That's pretty much it, Kim.","start":1113.765,"end":1115.2051,"sentiment":"neutral","sentiment_score":0.27135059237480164},{"text":"There's an application form to switch your menu attached along with it.","start":1115.2051,"end":1120.025,"sentiment":"neutral","sentiment_score":0.17438570658365884}],"sentiment":"neutral","sentiment_score":0.11509223619046119,"num_words":52,"start":1100.79,"end":1120.025},{"sentences":[{"text":"Do you have any questions for me?","start":1120.085,"end":1122.265,"sentiment":"neutral","sentiment_score":0.07163617813161441},{"text":"Cool.","start":1127.54,"end":1128.04,"sentiment":"positive","sentiment_score":0.3742007315158844},{"text":"Awesome.","start":1128.74,"end":1129.24,"sentiment":"positive","sentiment_score":0.3932667374610901},{"text":"So that signature link has the signatures for this advice document and the menu switch.","start":1130.18,"end":1135.7201,"sentiment":"neutral","sentiment_score":0.12422209630409876},{"text":"We do all of the investment switches live on your account.","start":1136.005,"end":1139.5449,"sentiment":"neutral","sentiment_score":0.11073323406956413}],"sentiment":"neutral","sentiment_score":0.12429479243499893,"num_words":35,"start":1120.085,"end":1139.5449},{"sentences":[{"text":"The only other things that I've attached, you probably saw there was about six attachments.","start":1140.005,"end":1143.625,"sentiment":"neutral","sentiment_score":0.004493642908831437},{"text":"It's just all of the Hub twenty four product documents, all of the investment menus, their product disclosure statement.","start":1144.085,"end":1150.76,"sentiment":"neutral","sentiment_score":0.0188813976649391},{"text":"It's got all their fees and and legal information.","start":1150.76,"end":1153.34,"sentiment":"neutral","sentiment_score":0.01282834592792723},{"text":"Cool.","start":1156.2,"end":1156.7,"sentiment":"neutral","sentiment_score":0.20549830794334412},{"text":"Alright.","start":1157.56,"end":1158.06,"sentiment":"neutral","sentiment_score":0.06573878228664398}],"sentiment":"neutral","sentiment_score":0.018063186729947726,"num_words":45,"start":1140.005,"end":1158.06},{"sentences":[{"text":"Correct.","start":1166.775,"end":1167.275,"sentiment":"neutral","sentiment_score":0.07615910470485687},{"text":"Yeah.","start":1174.31,"end":1174.7101,"sentiment":"neutral","sentiment_score":0.0654553696513176},{"text":"That's right.","start":1174.7101,"end":1175.35,"sentiment":"neutral","sentiment_score":0.08744796738028526},{"text":"So the best place to look at those is that fee comparison that I was showing you before.","start":1175.35,"end":1180.17,"sentiment":"neutral","sentiment_score":0.09094288696845372},{"text":"It actually splits it between the account fee, the investment fees, and the adviser fees, and then we factor in premiums for the insurance and also taxes as well, and then take all that into account.","start":1180.31,"end":1193.455,"sentiment":"neutral","sentiment_score":0.06332463067438868}],"sentiment":"neutral","sentiment_score":0.07298567377287767,"num_words":58,"start":1166.775,"end":1193.455},{"sentences":[{"text":"Yeah.","start":1200.25,"end":1200.49,"sentiment":"neutral","sentiment_score":0.12988689541816711},{"text":"Let me know how you go with the the new Odoo sign.","start":1200.49,"end":1203.0499,"sentiment":"neutral","sentiment_score":0.14505362386504808},{"text":"It's it should have, at the end, a button for you to download a signed copy for yourself, for your own records.","start":1203.0499,"end":1209.3099,"sentiment":"neutral","sentiment_score":0.12828233363953503},{"text":"But I just wanna know if it is is it straightforward?","start":1209.45,"end":1211.95,"sentiment":"neutral","sentiment_score":0.07265497608618303},{"text":"Do you find that easy to navigate?","start":1212.7151,"end":1214.655,"sentiment":"neutral","sentiment_score":0.11160517377512795}],"sentiment":"neutral","sentiment_score":0.11836193726872499,"num_words":53,"start":1200.25,"end":1214.655},{"sentences":[{"text":"Cool.","start":1258.6799,"end":1259.1799,"sentiment":"positive","sentiment_score":0.4892842769622803},{"text":"Just because this is like a custom built CRM that we've kind of put together, and I just wanna make sure it's just as good for, like, the the DocuSigns and and those types of programs.","start":1259.88,"end":1269.4349,"sentiment":"neutral","sentiment_score":0.18912678863853216},{"text":"Yeah.","start":1272.215,"end":1272.375,"sentiment":"neutral","sentiment_score":0.29458922147750854},{"text":"It's really nifty.","start":1272.375,"end":1273.255,"sentiment":"positive","sentiment_score":0.5380960504213969},{"text":"It it links everything to your client profile, so all the emails link together, all the file notes and everything and tracking the tasks for you.","start":1273.255,"end":1281.12,"sentiment":"neutral","sentiment_score":0.2337112667468878}],"sentiment":"neutral","sentiment_score":0.22810774591209285,"num_words":67,"start":1258.6799,"end":1281.12},{"sentences":[{"text":"So everything that we do for you in the background, it's all just tracked in this system for us.","start":1281.12,"end":1286.16,"sentiment":"neutral","sentiment_score":0.24177113881236628},{"text":"Makes it a bit easy to make sure we're looking after you.","start":1286.16,"end":1288.66,"sentiment":"neutral","sentiment_score":0.22288068880637488},{"text":"Awesome.","start":1299.535,"end":1300.015,"sentiment":"positive","sentiment_score":0.4539986848831177},{"text":"Awesome.","start":1300.015,"end":1300.515,"sentiment":"neutral","sentiment_score":0.3073735237121582},{"text":"So I'll just awesome.","start":1300.655,"end":1309.0,"sentiment":"neutral","sentiment_score":0.21573535352945328}],"sentiment":"neutral","sentiment_score":0.24033874394120397,"num_words":37,"start":1281.12,"end":1309.0},{"sentences":[{"text":"Good to have the feedback there.","start":1309.0599,"end":1310.7599,"sentiment":"positive","sentiment_score":0.5303087085485458},{"text":"One of the things I mentioned in our last call just before I let you go is that as the senior adviser, I just wanted to kind of jump in and help you update the investments in the super.","start":1310.98,"end":1321.075,"sentiment":"neutral","sentiment_score":0.1960053256688974},{"text":"You still have Veronica as, like, a dedicated adviser linked to you.","start":1321.455,"end":1326.355,"sentiment":"neutral","sentiment_score":0.15849991142749786},{"text":"So she'll be doing your annual reviews and looking after you and any questions you might have.","start":1326.44,"end":1331.1,"sentiment":"neutral","sentiment_score":0.1403823420405388},{"text":"If she's not available, you can still speak with me as well.","start":1331.48,"end":1334.78,"sentiment":"neutral","sentiment_score":0.026361233244339626}],"sentiment":"neutral","sentiment_score":0.17942899422243583,"num_words":86,"start":1309.0599,"end":1334.78},{"sentences":[{"text":"Cool, Kim.","start":1338.455,"end":1339.095,"sentiment":"positive","sentiment_score":0.7510133385658264},{"text":"No worries at all.","start":1339.095,"end":1339.895,"sentiment":"positive","sentiment_score":0.5505161285400391},{"text":"We'll get all this updated, and have a fantastic weekend.","start":1339.895,"end":1343.435,"sentiment":"positive","sentiment_score":0.7816627562046051},{"text":"Have a good one.","start":1345.815,"end":1346.695,"sentiment":"positive","sentiment_score":0.6663642078638077},{"text":"Bye.","start":1346.695,"end":1347.195,"sentiment":"positive","sentiment_score":0.39338964223861694}],"sentiment":"positive","sentiment_score":0.6942650108110338,"num_words":21,"start":1338.455,"end":1347.195}]}}]},{"alternatives":[{"transcript":"Hello. Can you hear me? Yeah. Good. Thanks. How are you? Yep. Yep. Yep. Yep. Yep. Okay. Yep. Yep. Yep. Paris. Yep. Yeah. Pretty good. Not too bad. I've got a child that wagged daycare, so I'm probably not doing as good as you. I'm I'm starving. Yeah. Yeah. Yeah. Oh, well, that makes me feel a little bit better because my it's probably bad he had today off because he just he's only in day care. He's four. So he's doing kindy, but he's just doesn't wanna borrow it. Like, doesn't wanna be dropped off or it's just and I'm like, oh my god. You've been so good up until this point, and now it's, like, just traumatic. So yeah. Yeah. Yeah. Oh, no. Poor mom. Yeah. Yeah. Yeah. Yeah. Yeah. Sounds good. Sounds like a good deal. Yeah. Oh, oh, find some. Oh, no. Oh, no. The poor thing. Oh, no. That's terrible. Did you do you is there a special chocolate for lactose? Yeah. Yeah. Yeah. Yeah. Yeah. No. Oh, no. Oh, that's not good. Oh, poor little thing. Alright. I'm just reading this email now. It's has requested signature. Yeah. Alright. Yep. Yep. Okay. Cool. Yep. Yep. Hold on. Hold on. So I go to email, and then I scroll. So do I go into the showing document? Yep. Oh, no. Oh, down the bottom. Yep. Okay. What statement of advice, you said? Yep. Yeah. Yeah. I'm on that one. Yep. Yeah. Okay. Yep. Yep. Mhmm. Yep. Yeah. Yep. Yeah. Yeah. Mhmm. Yeah. Yeah. Yeah. Okay. Yeah. Yeah. Mhmm. Yeah. Okay. Mhmm. Yeah. Okay. Alright. Yeah. Yeah. Mhmm. Yeah. Okay. Cool. Yep. Yep. Yeah. Yeah. Yeah. Okay. Yeah. Yeah. Alright. Awesome. Yep. Yep. Yep. Yep. Mhmm. Yep. Yep. Yep. Yeah. Yeah. Most insurance, TPD. Oh, yeah. Yeah. Yeah. Okay. Yep. Yep. Yeah. Okay. Cool. Yep. Yep. Yeah. Yeah. Yes. Okay. Mhmm. Yeah. Yeah. Yeah. Yeah. Uh-huh. Yeah. Yeah. Yeah. Oh, okay. Yep. Yep. Okay. Yep. Yep. Yeah. Yeah. Yeah. Mhmm. Yeah. Uh-huh. Yep. Yep. Yep. Yep. Oh, okay. Yep. Okay. Cool. Yep. Yep. Yeah. Okay. Yep. Yep. Yep. Okay. Yeah. Okay. Yeah. Alright. Okay. Yeah. Yeah. Yeah. Okay. Yep. Alright. Yeah. Yeah. Okay. Yeah. Yeah. Mhmm. Oh, okay. Yeah. Yeah. Oh, no. I see. Okay. Yep. Sweet. Yeah. Yeah. Yep. Yep. Okay. Yep. Yep. Yep. Yeah. Okay. Yeah. Yeah. Mhmm. Alright then. Yeah. Mhmm. Yeah. Yeah. Mhmm. Yeah. Okay. Yep. Yep. Yep. Yeah. Yeah. Yeah. Cool. Just just wait a minute, Carson. I'm on the phone, please. Yep. No. No. No. You're right. Don't worry. He's just yelling out. It's alright. He's fine. Mhmm. Yep. Mhmm. Yeah. Okay. Yep. Where is that? Yep. Yep. Mhmm. Yep. Mhmm. You're not. Okay. Yeah. Yeah. Yep. Yeah. Mhmm. Yep. Mhmm. Yeah. Right. Okay. Yep. Yeah. Yeah. Yeah. Yeah. No. Awesome. Yep. Nope. That's pretty good. Yep. Yeah. Uh-huh. Yep. Okay. Cool. Yep. Perfect. Yep. Yeah. Yep. Yeah. Absolutely. Mhmm. Okay. Yeah. Yeah. Awesome. Yeah. Yeah. Okay. Cool. Yep. Yep. Awesome. So this sorry. Just quickly with that, like, if the like, if I was to pass and the kids get a super, do they get cash, or does it doesn't go into a super fund for them, or what does that look like? Yeah. Okay. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Alright. No. Excellent. Cool. Alright. No worries. Yeah. Yeah. Alright. Cool. Yeah. Yeah. Yeah. Mhmm. Yeah. Oh, okay. Yep. Yep. Okay. Awesome. Yeah. Yeah. Yeah. No. That's that's good to know. Yep. Yeah. Yeah. Yeah. Okay. Yep. Mhmm. No. That's that's seems pretty straightforward. I think. Yep. Yep. Mhmm. Yeah. Okay. Yeah. Yep. Yep. Okay. Alright. And so with the so what what are because the 3,000 is that's your that's the Oakview fees, isn't it? And then the so what are what hub fees and whatnot, so they're also coming out of my super as well, aren't they? Yeah. Oh, yeah. Yeah. Yeah. Okay. Yeah. Alright. No. That's cool. Perfect. Alright. So I just sign this document. Yeah. Okay. Yep. That was pretty easy to do. It's just loading. Okay. Yeah. Yeah. Right. Okay. Cool. Yeah. Yeah. Yeah. Cool. No. That's good. And then sign documents. Yes. Save. Yep. And it allowed me to save. So yeah. No. That's pretty cool. 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Can you hear me? Yeah. Good. Thanks.\n\nHow are you? Yep. Yep. Yep. Yep.\n\nYep. Okay. Yep. Yep. Yep.\n\nParis. Yep. Yeah. Pretty good. Not too bad.\n\nI've got a child that wagged daycare, so I'm probably not doing as good as you. I'm I'm starving. Yeah. Yeah. Yeah.\n\nOh, well, that makes me feel a little bit better because my it's probably bad he had today off because he just he's only in day care. He's four. So he's doing kindy, but he's just doesn't wanna borrow it. Like, doesn't wanna be dropped off or it's just and I'm like, oh my god. You've been so good up until this point, and now it's, like, just traumatic.\n\nSo yeah. Yeah. Yeah. Oh, no. Poor mom.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nSounds good. Sounds like a good deal. Yeah. Oh, oh, find some. Oh, no.\n\nOh, no. The poor thing. Oh, no. That's terrible. Did you do you is there a special chocolate for lactose?\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nNo. Oh, no. Oh, that's not good. Oh, poor little thing. Alright.\n\nI'm just reading this email now. It's has requested signature. Yeah. Alright. Yep.\n\nYep. Okay. Cool. Yep. Yep.\n\nHold on. Hold on. So I go to email, and then I scroll. So do I go into the showing document? Yep.\n\nOh, no. Oh, down the bottom. Yep. Okay. What statement of advice, you said?\n\nYep. Yeah. Yeah. I'm on that one. Yep.\n\nYeah. Okay. Yep. Yep. Mhmm.\n\nYep. Yeah. Yep. Yeah. Yeah.\n\nMhmm. Yeah. Yeah. Yeah. Okay.\n\nYeah. Yeah. Mhmm. Yeah. Okay.\n\nMhmm. Yeah. Okay. Alright. Yeah.\n\nYeah. Mhmm. Yeah. Okay. Cool.\n\nYep. Yep. Yeah. Yeah. Yeah.\n\nOkay. Yeah. Yeah. Alright. Awesome.\n\nYep. Yep. Yep. Yep. Mhmm.\n\nYep. Yep. Yep. Yeah. Yeah.\n\nMost insurance, TPD. Oh, yeah. Yeah. Yeah. Okay.\n\nYep. Yep. Yeah. Okay. Cool.\n\nYep. Yep. Yeah. Yeah. Yes.\n\nOkay. Mhmm. Yeah. Yeah. Yeah.\n\nYeah. Uh-huh. Yeah. Yeah. Yeah.\n\nOh, okay. Yep. Yep. Okay. Yep.\n\nYep. Yeah. Yeah. Yeah. Mhmm.\n\nYeah. Uh-huh. Yep. Yep. Yep.\n\nYep. Oh, okay. Yep. Okay. Cool.\n\nYep. Yep. Yeah. Okay. Yep.\n\nYep. Yep. Okay. Yeah. Okay.\n\nYeah. Alright. Okay. Yeah. Yeah.\n\nYeah. Okay. Yep. Alright. Yeah.\n\nYeah. Okay. Yeah. Yeah. Mhmm.\n\nOh, okay. Yeah. Yeah. Oh, no. I see.\n\nOkay. Yep. Sweet. Yeah. Yeah.\n\nYep. Yep. Okay. Yep. Yep.\n\nYep. Yeah. Okay. Yeah. Yeah.\n\nMhmm. Alright then. Yeah. Mhmm. Yeah.\n\nYeah. Mhmm. Yeah. Okay. Yep.\n\nYep. Yep. Yeah. Yeah. Yeah.\n\nCool. Just just wait a minute, Carson. I'm on the phone, please. Yep. No.\n\nNo. No. You're right. Don't worry. He's just yelling out.\n\nIt's alright. He's fine. Mhmm. Yep. Mhmm.\n\nYeah. Okay. Yep. Where is that? Yep.\n\nYep. Mhmm. Yep. Mhmm. You're not.\n\nOkay. Yeah. Yeah. Yep. Yeah.\n\nMhmm. Yep. Mhmm. Yeah. Right.\n\nOkay. Yep. Yeah. Yeah. Yeah.\n\nYeah. No. Awesome. Yep. Nope.\n\nThat's pretty good. Yep. Yeah. Uh-huh. Yep.\n\nOkay. Cool. Yep. Perfect. Yep.\n\nYeah. Yep. Yeah. Absolutely. Mhmm.\n\nOkay. Yeah. Yeah. Awesome. Yeah.\n\nYeah. Okay. Cool. Yep. Yep.\n\nAwesome. So this sorry. Just quickly with that, like, if the like, if I was to pass and the kids get a super, do they get cash, or does it doesn't go into a super fund for them, or what does that look like? Yeah. Okay.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Alright. No. Excellent. Cool.\n\nAlright. No worries. Yeah. Yeah. Alright.\n\nCool. Yeah. Yeah. Yeah. Mhmm.\n\nYeah. Oh, okay. Yep. Yep. Okay.\n\nAwesome. Yeah. Yeah. Yeah. No.\n\nThat's that's good to know. Yep. Yeah. Yeah. Yeah.\n\nOkay. Yep. Mhmm. No. That's that's seems pretty straightforward.\n\nI think. Yep. Yep. Mhmm. Yeah.\n\nOkay. Yeah. Yep. Yep. Okay.\n\nAlright. And so with the so what what are because the 3,000 is that's your that's the Oakview fees, isn't it? And then the so what are what hub fees and whatnot, so they're also coming out of my super as well, aren't they? Yeah. Oh, yeah.\n\nYeah. Yeah. Okay. Yeah. Alright.\n\nNo. That's cool. Perfect. Alright. So I just sign this document.\n\nYeah. Okay. Yep. That was pretty easy to do. It's just loading.\n\nOkay. Yeah. Yeah. Right. Okay.\n\nCool. Yeah. Yeah. Yeah. Cool.\n\nNo. That's good. And then sign documents. Yes. Save.\n\nYep. And it allowed me to save. So yeah. No. That's pretty cool.\n\nSo with the DocuSign, you gotta sign in to DocuSign to so yeah. But no. That's good. That's awesome. Yep.\n\nYep. Yep. Yep. Yep. Perfect.\n\nOkay. Awesome. Yep. No worries. Thank you very much.\n\nAwesome. Thank you. You too. See you later. 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Can you hear me?\n\nChannel 0: Good morning, Kim. It's Tommy here from Oakview Financial. How are you doing?\n\nChannel 1: Yeah. Good. Thanks. How are you?\n\nChannel 0: I'm doing fantastic. Doing fantastic. I was just giving you a call this morning to go through those advice updates. Do you still have ten minutes?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Perfect. So I'm just going to go through the usual security check, and I've sent you through an email already, but\n\nChannel 1: Yep.\n\nChannel 0: it may go through to your main inbox or spam box. Do you have access to your emails today?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Awesome. It's just through to your Outlook.\n\nChannel 1: Okay. Yep. Yep.\n\nChannel 0: Awesome. And just while you're doing that, do you recall your client password with us?\n\nChannel 1: Yep. Paris.\n\nChannel 0: Thank you so much. And are you okay for the call to be recorded?\n\nChannel 1: Yep.\n\nChannel 0: Legendary. Thank you so much. How's your day going?\n\nChannel 1: Yeah. Pretty good. Not too bad. I've got a child that wagged daycare, so I'm probably not doing as good as you.\n\nChannel 0: Oh, look. I'm dealing with the same thing. I've got a a six year old who's been quote, unquote sick four or five times in the last fortnight. And I said, buddy, what's going on? And he goes, oh, look.\n\nThe kids are just being really disruptive, and it just makes me feel bad. So I thought my belly was weird, and I wanted to get home. And I was like,\n\nChannel 1: I'm\n\nChannel 0: mate, that's\n\nChannel 1: I'm starving.\n\nChannel 0: that's anxiety, man. That's that's\n\nChannel 1: Yeah.\n\nChannel 0: your feelings. You're\n\nChannel 1: Yeah.\n\nChannel 0: not actually sick. So\n\nChannel 1: Yeah.\n\nChannel 0: trying to coach him through that at the moment.\n\nChannel 1: Oh, well, that makes me feel a little bit better because my it's probably bad he had today off because he just he's only in day care. He's four. So he's doing\n\nChannel 0: Yeah.\n\nChannel 1: kindy, but he's just doesn't wanna borrow it. Like, doesn't wanna be dropped off or it's just and I'm like, oh my god. You've been so good up until this point, and now it's, like, just traumatic.\n\nChannel 0: Look. It chops\n\nChannel 1: So\n\nChannel 0: and changes so much because when I my younger sees three, and for\n\nChannel 1: yeah.\n\nChannel 0: the first the entire time, he didn't want me to drop him off and\n\nChannel 1: Yeah.\n\nChannel 0: only wanted his mom to drop him off. And now it's flipped to the point where when I drop him off, it's smooth. It's perfect. He gives me a hug. He runs off.\n\nIf\n\nChannel 1: Yeah.\n\nChannel 0: mom drops him off, he doesn't wanna go. He's screaming. He wants\n\nChannel 1: Oh,\n\nChannel 0: to stay in the car.\n\nChannel 1: no.\n\nChannel 0: So\n\nChannel 1: Poor\n\nChannel 0: it changes\n\nChannel 1: mom.\n\nChannel 0: every six to twelve months, and I do yeah. That's why I say,\n\nChannel 1: Yeah.\n\nChannel 0: like, let me let me do the drop off so he's fine with\n\nChannel 1: Yeah.\n\nChannel 0: that, and then you can pick him up and give him Maccas.\n\nChannel 1: Yeah. Yeah. Yeah. Sounds good. Sounds like a good deal.\n\nChannel 0: Absolutely. And we just had the I hid all the Easter chocolates downstairs in, like, a bar fridge, and\n\nChannel 1: Yeah.\n\nChannel 0: the youngest is, like, lactose intolerant.\n\nChannel 1: Oh,\n\nChannel 0: So what does he do? Sneaks off from mom and finds that the kindest\n\nChannel 1: oh, find\n\nChannel 0: is\n\nChannel 1: some. Oh, no.\n\nChannel 0: funny, smashes the whole thing, and then it's diarrhea for two days.\n\nChannel 1: Oh, no. The poor thing.\n\nChannel 0: Yep.\n\nChannel 1: Oh, no. That's terrible. Did you do you is there a special chocolate for lactose?\n\nChannel 0: Yeah. Yeah. Yeah. There's some,\n\nChannel 1: Yeah.\n\nChannel 0: like, all kinds of kind of vegan dairy free ones that we're\n\nChannel 1: Yeah.\n\nChannel 0: trialing from\n\nChannel 1: Yeah.\n\nChannel 0: different\n\nChannel 1: Yeah.\n\nChannel 0: shops. He he he loves them, and I wish he\n\nChannel 1: Yeah.\n\nChannel 0: could smash some kind of surprises with me. But there's there's some\n\nChannel 1: No.\n\nChannel 0: specifically for him, and he decided to eat his brothers.\n\nChannel 1: Oh, no. Oh, that's not good. Oh, poor little thing.\n\nChannel 0: Yeah.\n\nChannel 1: Alright. I'm just reading this email now. It's has requested signature. Yeah.\n\nChannel 0: Cool.\n\nChannel 1: Alright.\n\nChannel 0: So before you do anything, there is a\n\nChannel 1: Yep.\n\nChannel 0: link for digital signing through\n\nChannel 1: Yep.\n\nChannel 0: our new CRM, which is Odoo. But before you do that, I've actually attached the statement of advice as, like, an email attachment that you can review with me before you do that.\n\nChannel 1: Okay. Cool. Yep. Yep.\n\nChannel 0: So if you can bring up the statement of advice, you'll see a nice beachfront city picture on the front. If you can let me know when you can see that.\n\nChannel 1: Hold on. Hold on. So I go to email, and then I scroll. So do I go into the showing document?\n\nChannel 0: No.\n\nChannel 1: Yep.\n\nChannel 0: No. So there\n\nChannel 1: Oh,\n\nChannel 0: should be\n\nChannel 1: no.\n\nChannel 0: some, like, PDFs attached\n\nChannel 1: Oh,\n\nChannel 0: at the bottom.\n\nChannel 1: down the bottom. Yep. Okay. What statement of advice, you said?\n\nChannel 0: Yeah. That's the one.\n\nChannel 1: Yep.\n\nChannel 0: And there's two similar documents. One's got a forest picture. One's got a beachfront city. We're looking for the the Gold Coast looking one.\n\nChannel 1: Yeah. Yeah. I'm on that one. Yep.\n\nChannel 0: Perfect. So I'll run you through kind of the main point to this because it's quite wording heavy. Just make sure you're\n\nChannel 1: Yeah.\n\nChannel 0: comfortable with everything I'm recommending before you do anything.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Just as a quick run through as well, so all of the statements of advice, they contain our licensing details on the front, including my representative number with ASIC. So you\n\nChannel 1: Yep.\n\nChannel 0: can see my my sort of full name there. If you scooch through to page four,\n\nChannel 1: Mhmm.\n\nChannel 0: you'll see scope of advice heading, if you can see\n\nChannel 1: Yep.\n\nChannel 0: that.\n\nChannel 1: Yeah.\n\nChannel 0: So main thing that we were doing is we were reviewing the portfolio with the super. We identified one or two options that were a bit of a concern. So the purpose of this advice is to look at updating that and making sure you're still on track for that retirement goal.\n\nChannel 1: Yep.\n\nChannel 0: We've got it there, age 67, but, again, just reviewing the super is the main thing. I did put a little bit in for estate planning because you didn't have, like, a will or power of attorney,\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: we wanted to make sure that that was kind of sorted. One thing that I will mention\n\nChannel 1: Mhmm.\n\nChannel 0: is we were talking about putting in place a beneficiary nomination in the interim until\n\nChannel 1: Yeah.\n\nChannel 0: you get, like, a will in place, and then we'll update it.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So I'll walk you through that specifically towards the bottom of the\n\nChannel 1: Okay.\n\nChannel 0: document. And if you go through to the next page, it's got scope of advice not considered. It's essentially what we're not giving advice on in this document.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So we're not looking to change super funds at this point. It's mainly just around the investments. There's been no significant changes with Hub, and we're not doing any contributions. You've got enough for your cash flow and goals that you need to sort out. We're\n\nChannel 1: Mhmm.\n\nChannel 0: not gonna\n\nChannel 1: Yeah.\n\nChannel 0: be looking at contributions.\n\nChannel 1: Okay.\n\nChannel 0: The other thing too was just with the insurances. We already went through your existing insurance policy. Everything was fine for the time being, and\n\nChannel 1: Mhmm.\n\nChannel 0: you didn't want any quotes for trauma insurance. So I've just got that out of scope, but\n\nChannel 1: Yeah.\n\nChannel 0: we have factored in the premiums for the impact it does have on the super as well for the projections.\n\nChannel 1: Okay. Alright. Yeah.\n\nChannel 0: K? And the last part of scoping on the next page is just around your cash flow goal. You were\n\nChannel 1: Yeah.\n\nChannel 0: intending to save around $40,000 over the next couple of years for a house deposit. Obviously, we're not giving specific recommendations. That's just something that you're saving towards.\n\nChannel 1: Mhmm. Yeah. Okay.\n\nChannel 0: Cool.\n\nChannel 1: Cool.\n\nChannel 0: Does all that make sense, Kim?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Beautiful. Can you go down a couple more pages? You'll see a limited advice warning. That just talks about that we're not giving all the recommendations under the sun. If the details that we have from you are inaccurate, obviously, that may impact the advice as well.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So can you just have a quick look at the about you section on page seven and eight? It's just got your basic details. We've got your income, 100,000, technical officer, phone number, email address, all that kind of thing. And I did split the savings into, like, a weekly amount for the time being. And, again, it's still counted as, I guess, smokers' rates for the time being until\n\nChannel 1: Yeah.\n\nChannel 0: that's kind of twelve months free.\n\nChannel 1: Okay. Yeah. Yeah.\n\nChannel 0: Cool.\n\nChannel 1: Alright. Awesome. Yep.\n\nChannel 0: Assets and liabilities, we just had the Hilux and the savings. Nothing\n\nChannel 1: Yep.\n\nChannel 0: sort of out of the ordinary\n\nChannel 1: Yep. Yep.\n\nChannel 0: there. Perfect. We've got the Hub Super. We've\n\nChannel 1: Mhmm.\n\nChannel 0: got your one part insurance policy is in there as well.\n\nChannel 1: Yep.\n\nChannel 0: Can you go through to page 10 has your risk profile? And just let me know when you can see those risk profiles.\n\nChannel 1: Yep. Yep. Yeah. Yeah. Most insurance, TPD.\n\nChannel 0: Yep. And then just past that, you'll see blue heading risk profile and then red heading questionnaire growth as the score and recommended.\n\nChannel 1: Oh, yeah. Yeah. Yeah. Okay.\n\nChannel 0: Cool.\n\nChannel 1: Yep.\n\nChannel 0: So one of the things that I was double\n\nChannel 1: Yep.\n\nChannel 0: checking was that previously, you were already in, like, that growth risk level, four out of five.\n\nChannel 1: Yeah.\n\nChannel 0: Still focusing on trying to grow your super, but nothing too risky at the moment. So we haven't changed your risk level. We're just updating the investments.\n\nChannel 1: Okay. Cool. Yep. Yep.\n\nChannel 0: Cool. So if you go through, you'll see a nice exploded pie chart. That's just an example of that type of asset allocation. But\n\nChannel 1: Yeah.\n\nChannel 0: if you go through to page 12 strategy recommendations for me, please.\n\nChannel 1: Yeah.\n\nChannel 0: Cool. So one thing that I'm wanting to do is I investigated do you remember the Benelong investment option that was a bit of a concern for your performance? Yep. So I did find a really good replacement\n\nChannel 1: Yes.\n\nChannel 0: for it, and\n\nChannel 1: Okay.\n\nChannel 0: there was something else that was a little bit strange. I\n\nChannel 1: Mhmm.\n\nChannel 0: don't like to normally throw out too much sort of technical jargon, but\n\nChannel 1: Yeah.\n\nChannel 0: you have this S and P 500 ETF, which gives\n\nChannel 1: Yeah.\n\nChannel 0: you access to the American stock market, the top 500 companies.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: One thing that I noticed was that the performance of that was different than the performance of the actual market where the\n\nChannel 1: Uh-huh.\n\nChannel 0: market was up, like, 16%, but yours was only up three to five.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: I actually found out what what caused that.\n\nChannel 1: Oh, okay. Yep.\n\nChannel 0: When you invest in the American stock market, what happened was that the US dollar started crashing the last twelve months compared to the Australian dollar.\n\nChannel 1: Yep.\n\nChannel 0: So when the returns came back to your super account, it was devalued because the US dollar went down compared to our currency.\n\nChannel 1: Okay. Yep. Yep.\n\nChannel 0: K? So even though you're in the exact same investments and shares, the dollar difference had caused a split in the performance.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: what I've recommended, there's a new sort of we call it an SMA, separately\n\nChannel 1: Yeah.\n\nChannel 0: managed account. It puts a bubble around your portfolio and allows Oakview in combination with\n\nChannel 1: Mhmm.\n\nChannel 0: BlackRock, who's kinda\n\nChannel 1: Yeah.\n\nChannel 0: like the biggest fund manager on the planet, they can move around and change your investments throughout the year based\n\nChannel 1: Uh-huh.\n\nChannel 0: on anything. Any updates that we do to our portfolios, they can do it to you live straightaway before everybody else.\n\nChannel 1: Yep. Yep.\n\nChannel 0: What they did already was they switched out that investment for one that's currency hedged, which\n\nChannel 1: Yep.\n\nChannel 0: means\n\nChannel 1: Yep.\n\nChannel 0: they trade it in Australian dollars, and that removes that issue completely.\n\nChannel 1: Oh, okay. Yep. Okay. Cool.\n\nChannel 0: So it's\n\nChannel 1: Yep.\n\nChannel 0: a little bit of a trick that the investment committee have just done around Christmas time, and I want to put you into that that bubble so that you\n\nChannel 1: Yep.\n\nChannel 0: get these updates live rather than waiting for me to do that review and switch your investment out.\n\nChannel 1: Yeah. Okay. Yep. Yep.\n\nChannel 0: Okay?\n\nChannel 1: Yep.\n\nChannel 0: So if you go through whenever you switch investments in super, sometimes there's, like, a capital gains tax that happens\n\nChannel 1: Okay.\n\nChannel 0: inside the super fund.\n\nChannel 1: Yeah.\n\nChannel 0: But our estimate is that you have no to switch the investments, you won't actually pay any capital gains tax. It's all\n\nChannel 1: Okay.\n\nChannel 0: gonna offset each other.\n\nChannel 1: Yeah. Alright.\n\nChannel 0: K?\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: all of that text there, it basically just says, I want to put you into this SMA structure, update\n\nChannel 1: Yeah.\n\nChannel 0: the investments inside, that removes the Benelong, that fixes the currency hedging.\n\nChannel 1: Yeah. Okay. Yep. Alright.\n\nChannel 0: K? If you go down, you'll see a table with advantages and disadvantages. Basically, one of the cool things that we can do is the investments that I've recommended, they've they're lower investment fees than what you currently have.\n\nChannel 1: Yeah.\n\nChannel 0: And on top of that, we can get you this SMA bubble on Hub twenty four's core menu, which\n\nChannel 1: Yeah.\n\nChannel 0: normally you're in the choice menu, which has the most investment options in the country. It's got 1,300.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: Normally, if you go to the core menu, it's cheaper. It saves a\n\nChannel 1: Yeah.\n\nChannel 0: $180 a year, but you only have access to a 100 options.\n\nChannel 1: Mhmm.\n\nChannel 0: But the cool thing that we've been able to do is inside that SMA bubble, we have access to everything.\n\nChannel 1: Oh, okay. Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: what I'm saying, Kim, is that we can move you into the cheaper menu, but still keep the access to all the investment options.\n\nChannel 1: Oh, no. I see. Okay. Yep.\n\nChannel 0: It's really\n\nChannel 1: Sweet.\n\nChannel 0: cool.\n\nChannel 1: Yeah.\n\nChannel 0: There is a little bit of, like, brokerage fees that happens anytime that we buy ETFs inside super,\n\nChannel 1: Yeah.\n\nChannel 0: and that's all been factored into the investment fees.\n\nChannel 1: Yep. Yep. Okay. Yep.\n\nChannel 0: So if you scroll down a couple more pages, can you see the table on page 15? It's a blue table labeled investments. It's got a whole bunch of red text on it.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Cool. So these are all your current options.\n\nChannel 1: Yeah.\n\nChannel 0: The one at the top, Bennelong concentrated equities, that was the one that was a concern performance wise.\n\nChannel 1: Okay. Yeah. Yeah.\n\nChannel 0: And the second last one, s and p 500, that was\n\nChannel 1: Mhmm.\n\nChannel 0: the one that had the currency issue.\n\nChannel 1: Alright then. Yeah.\n\nChannel 0: So what we're basically doing is we're going to switch all of those. You're gonna\n\nChannel 1: Mhmm.\n\nChannel 0: keep about half of them. But if you go to the next page, can you see the switch there where it just says SMA bloom?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So we're gonna bubble it all into this SMA. All the investments come across, and those ones under the hood, they get switched out, but you're essentially in one option and everything's inside of it.\n\nChannel 1: Mhmm. Yeah. Okay. Yep.\n\nChannel 0: K? So it's a little bit more self managed in a sense. It'll\n\nChannel 1: Yep.\n\nChannel 0: kind\n\nChannel 1: Yep.\n\nChannel 0: of do its thing. You'll actually get change reports if we ever update the investments. You'll get, like, an email saying, hey. We've sold\n\nChannel 1: Yeah.\n\nChannel 0: this, and we've that.\n\nChannel 1: Yeah. Yeah. Cool.\n\nChannel 0: What it means for you is on the next page, you'll see a lovely pie chart for the asset allocation.\n\nChannel 1: Just just wait a minute, Carson. I'm on the phone, please. Yep.\n\nChannel 0: No worries. It'll only be a couple of minutes, and then\n\nChannel 1: No.\n\nChannel 0: I'll wait.\n\nChannel 1: No. No.\n\nChannel 0: Gotcha.\n\nChannel 1: You're right. Don't worry. He's just yelling out. It's alright. He's fine.\n\nChannel 0: Fantastic. The asset allocation pretty much stays the same. So you're still\n\nChannel 1: Mhmm.\n\nChannel 0: between 80 to 90% growth assets in that risk\n\nChannel 1: Yep.\n\nChannel 0: profile. You're going\n\nChannel 1: Mhmm.\n\nChannel 0: from '88 to '86. It's not really much of a change.\n\nChannel 1: Yeah.\n\nChannel 0: But the actual outcome\n\nChannel 1: Okay.\n\nChannel 0: here on page 18, can you see this fee\n\nChannel 1: Yep.\n\nChannel 0: comparison\n\nChannel 1: Where is that?\n\nChannel 0: table? And it should have, like, three blue bars across\n\nChannel 1: Yep.\n\nChannel 0: it, cost\n\nChannel 1: Yep.\n\nChannel 0: comparison lump sum. Yep. So what it basically shows is your current on the left, recommended in the middle, and the difference on the right. The\n\nChannel 1: Mhmm.\n\nChannel 0: difference that you get is you save a $180 on the admin fees, $370 on the investment fees,\n\nChannel 1: Yep.\n\nChannel 0: and\n\nChannel 1: Mhmm.\n\nChannel 0: the returns at the bottom for the last five years, they go from 9.99 to 11.89. So it's almost a 2% extra return per year\n\nChannel 1: You're\n\nChannel 0: comparing\n\nChannel 1: not.\n\nChannel 0: the two portfolios.\n\nChannel 1: Okay. Yeah. Yeah.\n\nChannel 0: K? We've updated the projection below. So over five to ten years, that should help the super buy around about 30 to 50,000 on average.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: K? And the last thing I wanna point out is just the returns on the next page. It says annualized, and it's got\n\nChannel 1: Mhmm.\n\nChannel 0: in red March 23. I just wanna point out on the left hand side,\n\nChannel 1: Yep.\n\nChannel 0: I just wanna point out on the left hand side, your portfolio has kind of bounced between, like, 6%, thirteen, and nine, whereas what we're recommending has been doing thirteen, fifteen, and 11. It's just consistently hitting those double digits over every time period.\n\nChannel 1: Mhmm. Yeah. Right. Okay.\n\nChannel 0: And\n\nChannel 1: Yep.\n\nChannel 0: that's kind of what you want. Like I said last time, you're aiming for 9% plus for your growth risk profile. If we can consistently get double digits, you're good to go.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. No.\n\nChannel 0: Cool.\n\nChannel 1: Awesome. Yep.\n\nChannel 0: Awesome. That's pretty much everything for the super. Do you have any questions on that?\n\nChannel 1: Nope. That's pretty good. Yep.\n\nChannel 0: Cool. The only real difference it means for you is that when you log in to your hub, you'll see the one portfolio and how that's\n\nChannel 1: Yeah.\n\nChannel 0: performed, but we have\n\nChannel 1: Uh-huh.\n\nChannel 0: access to all the reporting under the hood now.\n\nChannel 1: Yep. Okay. Cool. Yep.\n\nChannel 0: Cool.\n\nChannel 1: Perfect.\n\nChannel 0: It just caps off with your beneficiaries just saying, hey. You wanted to have it equally split between your children for\n\nChannel 1: Yep.\n\nChannel 0: the super and the life insurance.\n\nChannel 1: Yeah.\n\nChannel 0: Just that\n\nChannel 1: Yep.\n\nChannel 0: reminder that once you do have the will in place, we\n\nChannel 1: Yeah.\n\nChannel 0: can update that so the\n\nChannel 1: Absolutely.\n\nChannel 0: super goes to the will, and then you can\n\nChannel 1: Mhmm.\n\nChannel 0: split the children in there, save a bit of tax.\n\nChannel 1: Okay. Yeah. Yeah. Awesome.\n\nChannel 0: Cool. So my team will kind of prefill out some forms as best they can and get them out to you to update the beneficiaries. And\n\nChannel 1: Yeah.\n\nChannel 0: once you're okay with this, we'll pretty much update your your menu with Hub 24 and switch the investments.\n\nChannel 1: Yeah. Okay. Cool. Yep.\n\nChannel 0: K?\n\nChannel 1: Yep. Awesome.\n\nChannel 0: The rest of the document,\n\nChannel 1: So\n\nChannel 0: I'm\n\nChannel 1: this\n\nChannel 0: not good. Yeah. Go ahead.\n\nChannel 1: sorry. Just quickly with that, like, if the like, if I was to pass and the kids get a super, do they get cash, or does it doesn't go into a super fund for them, or what does that look like?\n\nChannel 0: It'll pretty much go to them directly. Like, they\n\nChannel 1: Yeah. Okay.\n\nChannel 0: sometimes they can\n\nChannel 1: Yeah.\n\nChannel 0: kind of take over the super, but it'll pretty much be paid out to them in in their name. And then\n\nChannel 1: Yeah.\n\nChannel 0: if\n\nChannel 1: Yeah.\n\nChannel 0: they're under 18, whoever kind of looks after them will look after the money.\n\nChannel 1: Yeah. Yeah. Yeah. Alright. No.\n\nExcellent. Cool. Alright. No worries.\n\nChannel 0: Cool. And similar with life insurance, life insurance is just a straight up lump sum to that person.\n\nChannel 1: Yeah. Yeah. Alright.\n\nChannel 0: Cool.\n\nChannel 1: Cool.\n\nChannel 0: And not gonna go over, like, the pros and cons of beneficiaries with you again because I'm I'm assuming you\n\nChannel 1: Yeah.\n\nChannel 0: remember why we\n\nChannel 1: Yeah.\n\nChannel 0: should have that in place,\n\nChannel 1: Yeah.\n\nChannel 0: a reminder to put in place a will and a power of attorney. And I'm just\n\nChannel 1: Mhmm.\n\nChannel 0: scrolling through the documents. We've got the fees and commissions are still listed on page 29, same with that review. So ongoing service fee is still the same. The commissions for the one path is still the 22%.\n\nChannel 1: Yeah.\n\nChannel 0: Again, if you ever need a claim on the insurances, like I said, probably we're not the first person you'll call, but we can help you through the claims process if something serious\n\nChannel 1: Oh, okay.\n\nChannel 0: happens.\n\nChannel 1: Yep. Yep. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Awesome.\n\nChannel 0: Sometimes insurers can be a bit difficult to deal with, so we just like to\n\nChannel 1: Yeah.\n\nChannel 0: help with the forms, and liaising is kind of the middleman on your behalf.\n\nChannel 1: Yeah. Yeah. No. That's that's good to know. Yep.\n\nChannel 0: Awesome. There's an authority to proceed at the bottom, and it basically says, hey. These are the steps that we're gonna do. If you consent to this, we'll switch your menu, switch your investments, send you out the forms for the beneficiaries. You just need to get them witnessed because they are legal forms, and we can't put in place a will for you.\n\nYou\n\nChannel 1: Yeah.\n\nChannel 0: have to go\n\nChannel 1: Yeah.\n\nChannel 0: talk to a lawyer or a public trustee.\n\nChannel 1: Yeah. Okay. Yep.\n\nChannel 0: Cool. That's pretty much it, Kim. There's an application form to switch your menu attached along with it. Do you\n\nChannel 1: Mhmm.\n\nChannel 0: have any questions for me?\n\nChannel 1: No. That's that's seems pretty straightforward. I\n\nChannel 0: Cool.\n\nChannel 1: think.\n\nChannel 0: Awesome.\n\nChannel 1: Yep.\n\nChannel 0: So that signature link has the signatures for this advice document and the menu switch. We\n\nChannel 1: Yep.\n\nChannel 0: do all of the investment switches live on your account. The only\n\nChannel 1: Mhmm.\n\nChannel 0: other things that I've attached, you probably saw there was about six attachments. It's just all of the Hub twenty four product documents, all of\n\nChannel 1: Yeah.\n\nChannel 0: the investment\n\nChannel 1: Okay.\n\nChannel 0: menus, their\n\nChannel 1: Yeah.\n\nChannel 0: product disclosure statement. It's got all their fees and and legal information.\n\nChannel 1: Yep. Yep. Okay.\n\nChannel 0: Cool.\n\nChannel 1: Alright. And so\n\nChannel 0: Alright.\n\nChannel 1: with the so what what are because the 3,000 is that's your that's the Oakview fees, isn't it?\n\nChannel 0: Correct.\n\nChannel 1: And then the so what are what hub fees and whatnot, so they're also coming out of my super as well, aren't they?\n\nChannel 0: Yeah. That's right.\n\nChannel 1: Yeah.\n\nChannel 0: So the best place to look at those is that fee comparison that I was showing you before. It actually\n\nChannel 1: Oh, yeah.\n\nChannel 0: splits it between the account fee, the investment fees, and the adviser fees, and then\n\nChannel 1: Yeah.\n\nChannel 0: we\n\nChannel 1: Yeah.\n\nChannel 0: factor in premiums for the insurance and also taxes as well, and then\n\nChannel 1: Okay.\n\nChannel 0: take all that into account.\n\nChannel 1: Yeah. Alright. No. That's cool. Perfect.\n\nAlright. So I just sign this document.\n\nChannel 0: Yeah. Let me know how you go with the the new Odoo sign. It's it should have, at the end, a button for you to download a signed copy for yourself, for your own records.\n\nChannel 1: Yeah.\n\nChannel 0: But I\n\nChannel 1: Okay.\n\nChannel 0: just wanna know if it is is it straightforward? Do you find that easy to navigate?\n\nChannel 1: Yep. That was pretty easy to do. It's just loading.\n\nChannel 0: Cool. Just because this is like a custom built CRM that we've kind of put together, and I just wanna make\n\nChannel 1: Okay.\n\nChannel 0: sure it's just as good for, like, the the DocuSigns and and those types\n\nChannel 1: Yeah.\n\nChannel 0: of programs.\n\nChannel 1: Yeah. Right. Okay. Cool.\n\nChannel 0: Yeah. It's really nifty. It it links everything to your client profile, so all the emails link together, all\n\nChannel 1: Yeah.\n\nChannel 0: the file notes and everything and tracking the tasks for you. So everything that we do for you in the background, it's all just tracked in this system for us. Makes it a bit easy to make sure we're looking after you.\n\nChannel 1: Yeah. Yeah. Cool. No. That's good.\n\nAnd then sign documents. Yes. Save. Yep. And it allowed me to save.\n\nSo yeah. No. That's pretty cool.\n\nChannel 0: Awesome. Awesome.\n\nChannel 1: So with\n\nChannel 0: So\n\nChannel 1: the\n\nChannel 0: I'll\n\nChannel 1: DocuSign,\n\nChannel 0: just\n\nChannel 1: you gotta sign in to DocuSign to so yeah. But no. That's good. That's awesome.\n\nChannel 0: awesome. Good to have the feedback there. One of\n\nChannel 1: Yep.\n\nChannel 0: the things I mentioned in our last call just before I let you go is that as the senior adviser, I just wanted to kind of jump in and help\n\nChannel 1: Yep.\n\nChannel 0: you update the investments in the super. You still have Veronica as, like, a dedicated adviser linked to you. So\n\nChannel 1: Yep.\n\nChannel 0: she'll be\n\nChannel 1: Yep.\n\nChannel 0: doing your annual reviews and looking after you and any questions you might have.\n\nChannel 1: Yep.\n\nChannel 0: If she's\n\nChannel 1: Perfect.\n\nChannel 0: not available, you can still speak with me as well.\n\nChannel 1: Okay. Awesome. Yep. No worries. Thank you very much.\n\nChannel 0: Cool, Kim. No worries at all. We'll get all this updated, and have a fantastic weekend.\n\nChannel 1: Awesome. Thank you. You too.\n\nChannel 0: Have a good one. Bye.\n\nChannel 1: See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.1999999,"end":1.5999999,"sentiment":"neutral","sentiment_score":0.012251281179487703},{"text":"Can you hear me?","start":1.5999999,"end":2.58,"sentiment":"neutral","sentiment_score":0.011419731308706105}],"sentiment":"neutral","sentiment_score":0.011586041282862425,"channel":1,"num_words":5,"start":1.1999999,"end":2.58},{"sentences":[{"text":"Good morning, Kim.","start":2.72,"end":3.52,"sentiment":"neutral","sentiment_score":0.24592543145020804},{"text":"It's Tommy here from Oakview Financial.","start":3.52,"end":5.12,"sentiment":"neutral","sentiment_score":0.16908666988213858},{"text":"How are you 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gotta sign in to DocuSign to so yeah.","start":1301.645,"end":1305.6901,"sentiment":"neutral","sentiment_score":0.09981856164005068},{"text":"But no.","start":1306.31,"end":1306.79,"sentiment":"neutral","sentiment_score":0.0016035102307796478},{"text":"That's good.","start":1306.79,"end":1307.43,"sentiment":"neutral","sentiment_score":0.1854967325925827},{"text":"That's awesome.","start":1307.43,"end":1308.25,"sentiment":"positive","sentiment_score":0.5458248257637024}],"sentiment":"neutral","sentiment_score":0.1576144794623057,"channel":1,"num_words":15,"start":1301.645,"end":1308.25},{"sentences":[{"text":"awesome.","start":1308.5,"end":1309.0,"sentiment":"positive","sentiment_score":0.549942135810852},{"text":"Good to have the feedback there.","start":1309.0599,"end":1310.7599,"sentiment":"positive","sentiment_score":0.5303087085485458},{"text":"One 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help","start":1311.22,"end":1318.575,"sentiment":"neutral","sentiment_score":0.19773357609907785}],"sentiment":"neutral","sentiment_score":0.19773357609907785,"channel":0,"num_words":30,"start":1311.22,"end":1318.575},{"sentences":[{"text":"Yep.","start":1318.4149,"end":1318.9149,"sentiment":"neutral","sentiment_score":0.23042945563793185}],"sentiment":"neutral","sentiment_score":0.23042945563793185,"channel":1,"num_words":1,"start":1318.4149,"end":1318.9149},{"sentences":[{"text":"you update the investments in the super.","start":1318.575,"end":1321.075,"sentiment":"neutral","sentiment_score":0.20221292121069773},{"text":"You still have Veronica as, like, a dedicated adviser linked to you.","start":1321.455,"end":1326.355,"sentiment":"neutral","sentiment_score":0.15849991142749786},{"text":"So","start":1326.44,"end":1326.6799,"sentiment":"neutral","sentiment_score":0.10905943065881728}],"sentiment":"neutral","sentiment_score":0.1713274408131838,"channel":0,"num_words":20,"start":1318.575,"end":1326.6799},{"sentences":[{"text":"Yep.","start":1326.495,"end":1326.975,"sentiment":"neutral","sentiment_score":0.08835373818874359}],"sentiment":"neutral","sentiment_score":0.08835373818874359,"channel":1,"num_words":1,"start":1326.495,"end":1326.975},{"sentences":[{"text":"she'll be","start":1326.6799,"end":1327.16,"sentiment":"neutral","sentiment_score":0.07742505893111229}],"sentiment":"neutral","sentiment_score":0.07742505893111229,"channel":0,"num_words":2,"start":1326.6799,"end":1327.16},{"sentences":[{"text":"Yep.","start":1326.975,"end":1327.475,"sentiment":"neutral","sentiment_score":0.06123782694339752}],"sentiment":"neutral","sentiment_score":0.06123782694339752,"channel":1,"num_words":1,"start":1326.975,"end":1327.475},{"sentences":[{"text":"doing your annual reviews and looking after you and any questions you might have.","start":1327.16,"end":1331.1,"sentiment":"neutral","sentiment_score":0.15161359044057982}],"sentiment":"neutral","sentiment_score":0.15161359044057982,"channel":0,"num_words":14,"start":1327.16,"end":1331.1},{"sentences":[{"text":"Yep.","start":1331.135,"end":1331.635,"sentiment":"neutral","sentiment_score":0.04994579777121544}],"sentiment":"neutral","sentiment_score":0.04994579777121544,"channel":1,"num_words":1,"start":1331.135,"end":1331.635},{"sentences":[{"text":"If she's","start":1331.48,"end":1332.04,"sentiment":"neutral","sentiment_score":0.02572285570204258}],"sentiment":"neutral","sentiment_score":0.02572285570204258,"channel":0,"num_words":2,"start":1331.48,"end":1332.04},{"sentences":[{"text":"Perfect.","start":1331.9349,"end":1332.4349,"sentiment":"neutral","sentiment_score":0.06717740744352341}],"sentiment":"neutral","sentiment_score":0.06717740744352341,"channel":1,"num_words":1,"start":1331.9349,"end":1332.4349},{"sentences":[{"text":"not available, you can still speak with me as well.","start":1332.04,"end":1334.78,"sentiment":"neutral","sentiment_score":0.026488908752799033}],"sentiment":"neutral","sentiment_score":0.026488908752799033,"channel":0,"num_words":10,"start":1332.04,"end":1334.78},{"sentences":[{"text":"Okay.","start":1335.13,"end":1335.45,"sentiment":"neutral","sentiment_score":0.19293296337127688},{"text":"Awesome.","start":1335.45,"end":1335.9299,"sentiment":"positive","sentiment_score":0.6049308776855469},{"text":"Yep.","start":1335.9299,"end":1336.33,"sentiment":"positive","sentiment_score":0.3775025010108948},{"text":"No worries.","start":1336.33,"end":1336.8899,"sentiment":"positive","sentiment_score":0.4216375797986984},{"text":"Thank you very much.","start":1336.8899,"end":1338.0299,"sentiment":"positive","sentiment_score":0.7885666191577911}],"sentiment":"positive","sentiment_score":0.574767553144031,"channel":1,"num_words":9,"start":1335.13,"end":1338.0299},{"sentences":[{"text":"Cool, Kim.","start":1338.455,"end":1339.095,"sentiment":"positive","sentiment_score":0.7510133385658264},{"text":"No worries at all.","start":1339.095,"end":1339.895,"sentiment":"positive","sentiment_score":0.5505161285400391},{"text":"We'll get all this updated, and have a fantastic weekend.","start":1339.895,"end":1343.435,"sentiment":"positive","sentiment_score":0.7816627562046051}],"sentiment":"positive","sentiment_score":0.7200449220836163,"channel":0,"num_words":16,"start":1338.455,"end":1343.435},{"sentences":[{"text":"Awesome.","start":1343.7699,"end":1344.2699,"sentiment":"positive","sentiment_score":0.8629075288772583},{"text":"Thank you.","start":1344.33,"end":1344.8099,"sentiment":"positive","sentiment_score":0.8446923196315765},{"text":"You too.","start":1344.8099,"end":1345.5499,"sentiment":"positive","sentiment_score":0.7134239077568054}],"sentiment":"positive","sentiment_score":0.7958279967308044,"channel":1,"num_words":5,"start":1343.7699,"end":1345.5499},{"sentences":[{"text":"Have a good one.","start":1345.815,"end":1346.695,"sentiment":"positive","sentiment_score":0.6663642078638077},{"text":"Bye.","start":1346.695,"end":1347.195,"sentiment":"positive","sentiment_score":0.39338964223861694}],"sentiment":"positive","sentiment_score":0.6117692947387695,"channel":0,"num_words":5,"start":1345.815,"end":1347.195},{"sentences":[{"text":"See you later.","start":1346.8099,"end":1347.5299,"sentiment":"positive","sentiment_score":0.40946059425671893},{"text":"Bye.","start":1347.5299,"end":1348.0299,"sentiment":"neutral","sentiment_score":-0.09151898324489594}],"sentiment":"neutral","sentiment_score":0.28421569988131523,"channel":1,"num_words":4,"start":1346.8099,"end":1348.0299}]},"summary":{"result":"success","short":"Kim discusses her six-year-old sick child and struggles with her own health, including her own struggles with her own health and the importance of updating retirement goals. The speaker emphasizes the importance of reviewing and updating retirement portfolios, updating risk profiles, and reviewing new managed accounts. They also discuss the switch of all investments into the new structure and recommend a bubble on the portfolio to allow Oakview to combine with the American stock market. The speaker explains the process for replacing beneficiaries and offers assistance with claims. They also explain how to update the beneficiaries and offer advice on signing documents and updating their account."},"intents":{"segments":[{"text":"I was just giving you a call this morning to go through those advice updates. Do you still have ten minutes? Yep.","start_word":29,"end_word":50,"intents":[{"intent":"Update content","confidence_score":0.00005532822}]},{"text":"Like, doesn't wanna be dropped off or it's just and I'm like, oh my god. You've been so good up until this point, and now it's, like, just traumatic. Look.","start_word":310,"end_word":339,"intents":[{"intent":"Express dissatisfaction with drop-off","confidence_score":0.00077900547},{"intent":"Explain situation with child","confidence_score":0.0032178843}]},{"text":"And we just had the I hid all the Easter chocolates downstairs in, like, a bar fridge, and Yeah. the youngest is, like, lactose intolerant. Oh, So what does he do? Sneaks off from mom and finds that the kindest oh, find is some. Oh, no. funny, smashes the whole thing, and then it's diarrhea for two days.","start_word":481,"end_word":538,"intents":[{"intent":"Discuss covid-19 breastfeeding","confidence_score":0.0000038644007}]},{"text":"Did you do you is there a special chocolate for lactose? Yeah. Yeah.","start_word":549,"end_word":561,"intents":[{"intent":"Ask about special chocolate for lactose intolerant chocolate","confidence_score":0.0017808161}]},{"text":"Did you do you is there a special chocolate for lactose? Yeah. Yeah. Yeah.","start_word":549,"end_word":562,"intents":[{"intent":"Ask about milk-free chocolate for lactose","confidence_score":0.0001342654}]},{"text":"specifically for him, and he decided to eat his brothers. Oh, no.","start_word":608,"end_word":619,"intents":[{"intent":"Say goodbye to boy","confidence_score":0.0002481522}]},{"text":"So before you do anything, there is a Yep. link for digital signing through Yep. our new CRM, which is Odoo. But before you do that, I've actually attached the statement of advice as, like, an email attachment that you can review with me before you do that. Okay. Cool.","start_word":643,"end_word":692,"intents":[{"intent":"Review document","confidence_score":0.009602933}]},{"text":"What statement of advice, you said? Yeah.","start_word":769,"end_word":775,"intents":[{"intent":"Get statement of advice","confidence_score":0.0058577503}]},{"text":"comfortable with everything I'm recommending before you do anything.","start_word":834,"end_word":842,"intents":[{"intent":"Confirm understanding","confidence_score":0.053805344}]},{"text":"So main thing that we were doing is we were reviewing the portfolio with the super. We identified one or two options that were a bit of a concern. So the purpose of this advice is to look at updating that and making sure you're still on track for that retirement goal. Yep.","start_word":907,"end_word":959,"intents":[{"intent":"Review portfolio","confidence_score":0.27928448}]},{"text":"We've got it there, age 67, but, again, just reviewing the super is the main thing. I did put a little bit in for estate planning because you didn't have, like, a will or power of attorney, Yeah. and Yeah.","start_word":961,"end_word":1000,"intents":[{"intent":"Update super planning document","confidence_score":0.0039209398}]},{"text":"One thing that I will mention Mhmm. is we were talking about putting in place a beneficiary nomination in the interim until Yeah.","start_word":1011,"end_word":1033,"intents":[{"intent":"Discuss putting in place beneficiary nomination","confidence_score":0.037363224}]},{"text":"So I'll walk you through that specifically towards the bottom of the Okay. document. And if you go through to the next page, it's got scope of advice not considered. It's essentially what we're not giving advice on in this document. Yeah. Yeah.","start_word":1048,"end_word":1090,"intents":[{"intent":"Clarify scope of advice","confidence_score":0.0704026}]},{"text":"intending to save around $40,000 over the next couple of years for a house deposit.","start_word":1234,"end_word":1248,"intents":[{"intent":"Discuss savings potential","confidence_score":0.000114251154}]},{"text":"You'll see a limited advice warning. That just talks about that we're not giving all the recommendations under the sun.","start_word":1284,"end_word":1303,"intents":[{"intent":"Explore limited advice warning","confidence_score":0.0025084824},{"intent":"Explain limited advice warning","confidence_score":0.039596476},{"intent":"Explain limitations in recommendations","confidence_score":0.00016865223}]},{"text":"So one thing that I'm wanting to do is I investigated do you remember the Benelong investment option that was a bit of a concern for your performance? Yep.","start_word":1608,"end_word":1636,"intents":[{"intent":"Examine investment options","confidence_score":0.0035422014}]},{"text":"for it, and Okay. there was something else that was a little bit strange. I Mhmm. don't like to normally throw out too much sort of technical jargon, but Yeah. you have this S and P 500 ETF, which gives Yeah. you access to the American stock market, the top 500 companies. Yeah.","start_word":1647,"end_word":1699,"intents":[{"intent":"Explain investment process","confidence_score":0.0134201115},{"intent":"Explain investment process","confidence_score":0.010904035}]},{"text":"One thing that I noticed was that the performance of that was different than the performance of the actual market where the Uh-huh. market was up, like, 16%, but yours was only up three to five. Yeah.","start_word":1700,"end_word":1736,"intents":[{"intent":"Explain market performance","confidence_score":0.022297561}]},{"text":"One thing that I noticed was that the performance of that was different than the performance of the actual market where the Uh-huh. market was up, like, 16%, but yours was only up three to five. Yeah. Yeah.","start_word":1700,"end_word":1737,"intents":[{"intent":"Explain investors' performance","confidence_score":0.00005975835}]},{"text":"all of that text there, it basically just says, I want to put you into this SMA structure, update Yeah. the investments inside, that removes the Benelong, that fixes the currency hedging. Yeah.","start_word":2059,"end_word":2091,"intents":[{"intent":"Update sma structures","confidence_score":0.002547201}]},{"text":"So what we're basically doing is we're going to switch all of those.","start_word":2381,"end_word":2393,"intents":[{"intent":"Switch investments","confidence_score":0.43868566}]},{"text":"You'll actually get change reports if we ever update the investments. You'll get, like, an email saying, hey. We've sold Yeah. this, and we've that. Yeah.","start_word":2483,"end_word":2508,"intents":[{"intent":"Update investments","confidence_score":0.6871677},{"intent":"Updates portfolio information","confidence_score":6.185248e-8}]},{"text":"difference that you get is you save a $180 on the admin fees, $370 on the investment fees, Yep.","start_word":2671,"end_word":2689,"intents":[{"intent":"Highlight investment fees","confidence_score":0.007733127}]},{"text":"difference that you get is you save a $180 on the admin fees, $370 on the investment fees, Yep. and Mhmm. the returns at the bottom for the last five years, they go from 9.99 to 11.89. So it's almost a 2% extra return per year You're comparing not.","start_word":2671,"end_word":2719,"intents":[{"intent":"Explain income distribution","confidence_score":0.0007421251}]},{"text":"the two portfolios.","start_word":2720,"end_word":2722,"intents":[{"intent":"Compare portfolios","confidence_score":0.14116123}]},{"text":"the two portfolios. Okay. Yeah.","start_word":2720,"end_word":2724,"intents":[{"intent":"Explain portfolio investment","confidence_score":0.000064387765}]},{"text":"I just wanna point out on the left hand side, your portfolio has kind of bounced between, like, 6%, thirteen, and nine, whereas what we're recommending has been doing thirteen, fifteen, and 11. It's just consistently hitting those double digits over every time period.","start_word":2792,"end_word":2835,"intents":[{"intent":"Explain portfolio performance","confidence_score":0.049892925}]},{"text":"that's kind of what you want. Like I said last time, you're aiming for 9% plus for your growth risk profile. If we can consistently get double digits, you're good to go. Yeah.","start_word":2842,"end_word":2874,"intents":[{"intent":"Discuss future portfolios","confidence_score":0.000019901434}]},{"text":"The only real difference it means for you is that when you log in to your hub, you'll see the one portfolio and how that's Yeah. performed, but we have Uh-huh. access to all the reporting under the hood now. Yep.","start_word":2903,"end_word":2943,"intents":[{"intent":"Provide portfolio information","confidence_score":0.0021380766}]},{"text":"So my team will kind of prefill out some forms as best they can and get them out to you to update the beneficiaries. And Yeah.","start_word":3024,"end_word":3049,"intents":[{"intent":"Update beneficiaries","confidence_score":0.2054697},{"intent":"Prepare documents","confidence_score":0.0009834039}]},{"text":"once you're okay with this, we'll pretty much update your your menu with Hub 24 and switch the investments. Yeah.","start_word":3050,"end_word":3069,"intents":[{"intent":"Update menu","confidence_score":0.89216447}]},{"text":"We've got the fees and commissions are still listed on page 29, same with that review. So ongoing service fee is still the same. The commissions for the one path is still the 22%. Yeah.","start_word":3268,"end_word":3302,"intents":[{"intent":"Discuss charges and commissions","confidence_score":0.0004974353}]},{"text":"Again, if you ever need a claim on the insurances, like I said, probably we're not the first person you'll call, but we can help you through the claims process if something serious Oh, okay.","start_word":3304,"end_word":3338,"intents":[{"intent":"Claim for insurances","confidence_score":9.889509e-7}]},{"text":"Sometimes insurers can be a bit difficult to deal with, so we just like to Yeah. help with the forms, and liaising is kind of the middleman on your behalf. Yeah.","start_word":3344,"end_word":3374,"intents":[{"intent":"Seek assistance with forms and forms","confidence_score":0.003675432}]},{"text":"There's an authority to proceed at the bottom, and it basically says, hey. These are the steps that we're gonna do. If you consent to this, we'll switch your menu, switch your investments, send you out the forms for the beneficiaries. You just need to get them witnessed because they are legal forms, and we can't put in place a will for you. You Yeah.","start_word":3384,"end_word":3448,"intents":[{"intent":"Obtain authority for claims","confidence_score":0.000024025729},{"intent":"Discuss options for transferring menu","confidence_score":0.0000028310867},{"intent":"Discuss portfolio changes","confidence_score":0.0011223513}]},{"text":"That's pretty much it, Kim. There's an application form to switch your menu attached along with it. Do you Mhmm.","start_word":3465,"end_word":3484,"intents":[{"intent":"Submit application form","confidence_score":0.001995364}]},{"text":"product disclosure statement. It's got all their fees and and legal information.","start_word":3563,"end_word":3574,"intents":[{"intent":"Obtain information about fees and services","confidence_score":0.000038014543}]},{"text":"So the best place to look at those is that fee comparison that I was showing you before. It actually Oh, yeah.","start_word":3630,"end_word":3651,"intents":[{"intent":"Compare fees and insurance","confidence_score":0.00002088639}]}]},"sentiments":{"segments":[{"text":"Hello. Can you hear me? Good morning, Kim. It's Tommy here from Oakview Financial. How are you doing? Yeah.","start_word":0,"end_word":18,"sentiment":"neutral","sentiment_score":0.14804047346115112},{"text":"Good. Thanks.","start_word":19,"end_word":20,"sentiment":"positive","sentiment_score":0.38603612780570984},{"text":"How are you?","start_word":21,"end_word":23,"sentiment":"neutral","sentiment_score":0.279326856136322},{"text":"I'm doing fantastic. Doing fantastic.","start_word":24,"end_word":28,"sentiment":"positive","sentiment_score":0.711479902267456},{"text":"I was just giving you a call this morning to go through those advice updates. Do you still have ten minutes? Yep. Yep. Perfect. So I'm just going to go through the usual security check, and I've sent you through an email already, but Yep. it may go through to your main inbox or spam box. Do you have access to your emails today? Yep. Yep. Awesome. It's just through to your Outlook. Okay. Yep. Yep. Awesome. And just while you're doing that, do you recall your client password with us? Yep. Paris. Thank you so much. And are you okay for the call to be recorded? Yep. Legendary.","start_word":29,"end_word":137,"sentiment":"neutral","sentiment_score":0.06428440660238266},{"text":"Thank you so much.","start_word":138,"end_word":141,"sentiment":"positive","sentiment_score":0.3641967475414276},{"text":"How's your day going? Yeah. Pretty good. Not too bad. I've got a child that wagged daycare, so I'm probably not doing as good as you. Oh, look. I'm dealing with the same thing. I've got a a six year old who's been quote, unquote sick four or five times in the last fortnight. And I said, buddy, what's going on? And he goes, oh, look.","start_word":142,"end_word":207,"sentiment":"neutral","sentiment_score":-0.19399848580360413},{"text":"The kids are just being really disruptive, and it just makes me feel bad. So I thought my belly was weird, and I wanted to get home.","start_word":208,"end_word":234,"sentiment":"negative","sentiment_score":-0.396776020526886},{"text":"And I was like, I'm mate, that's I'm starving. that's anxiety, man. That's that's Yeah. your feelings. You're Yeah. not actually sick. So Yeah. trying to coach him through that at the moment. Oh, well, that makes me feel a little bit better because my it's probably bad he had today off because he just he's only in day care. He's four. So he's doing Yeah. kindy, but he's just doesn't wanna borrow it. Like, doesn't wanna be dropped off or it's just and I'm like, oh my god.","start_word":235,"end_word":323,"sentiment":"neutral","sentiment_score":-0.21649720628609817},{"text":"You've been so good up until this point, and now it's, like, just traumatic.","start_word":324,"end_word":337,"sentiment":"negative","sentiment_score":-0.38558313250541687},{"text":"Look. It chops So and changes so much because when I my younger sees three, and for yeah. the first the entire time, he didn't want me to drop him off and Yeah. only wanted his mom to drop him off. And now it's flipped to the point where when I drop him off, it's smooth.","start_word":338,"end_word":393,"sentiment":"neutral","sentiment_score":-0.04900228977203369},{"text":"It's perfect. He gives me a hug.","start_word":394,"end_word":400,"sentiment":"positive","sentiment_score":0.4435397982597351},{"text":"He runs off. If Yeah. mom drops him off, he doesn't wanna go. He's screaming. He wants Oh, to stay in the car. no. So Poor it changes mom. every six to twelve months, and I do yeah. That's why I say, Yeah. like, let me let me do the drop off so he's fine with Yeah. that, and then you can pick him up and give him Maccas. Yeah. Yeah. Yeah.","start_word":401,"end_word":472,"sentiment":"neutral","sentiment_score":-0.0447889119386673},{"text":"Sounds good. Sounds like a good deal.","start_word":473,"end_word":479,"sentiment":"positive","sentiment_score":0.5559749603271484},{"text":"Absolutely. And we just had the I hid all the Easter chocolates downstairs in, like, a bar fridge, and Yeah. the youngest is, like, lactose intolerant. Oh, So what does he do? Sneaks off from mom and finds that the kindest oh, find is some. Oh, no.","start_word":480,"end_word":526,"sentiment":"neutral","sentiment_score":-0.09629502147436142},{"text":"funny, smashes the whole thing, and then it's diarrhea for two days.","start_word":527,"end_word":538,"sentiment":"negative","sentiment_score":-0.3810282349586487},{"text":"Oh, no. The poor thing. Yep. Oh, no.","start_word":539,"end_word":546,"sentiment":"neutral","sentiment_score":-0.2298218458890915},{"text":"That's terrible.","start_word":547,"end_word":548,"sentiment":"negative","sentiment_score":-0.3832918107509613},{"text":"Did you do you is there a special chocolate for lactose? Yeah. Yeah. Yeah. There's some, Yeah. like, all kinds of kind of vegan dairy free ones that we're Yeah. trialing from Yeah. different Yeah. shops. He he he loves them, and I wish he Yeah. could smash some kind of surprises with me. But there's there's some No. specifically for him, and he decided to eat his brothers.","start_word":549,"end_word":617,"sentiment":"neutral","sentiment_score":-0.05567358434200287},{"text":"Oh, no. Oh, that's not good. Oh, poor little thing.","start_word":618,"end_word":627,"sentiment":"negative","sentiment_score":-0.47564560174942017},{"text":"Yeah. Alright. I'm just reading this email now. It's has requested signature. Yeah.","start_word":628,"end_word":640,"sentiment":"neutral","sentiment_score":0.05115175304504541},{"text":"Cool.","start_word":641,"end_word":641,"sentiment":"positive","sentiment_score":0.5026779174804688},{"text":"Alright. So before you do anything, there is a Yep. link for digital signing through Yep. our new CRM, which is Odoo. But before you do that, I've actually attached the statement of advice as, like, an email attachment that you can review with me before you do that. Okay.","start_word":642,"end_word":691,"sentiment":"neutral","sentiment_score":0.1011047214269638},{"text":"Cool.","start_word":692,"end_word":692,"sentiment":"positive","sentiment_score":0.372771680355072},{"text":"Yep. Yep. So if you can bring up the statement of advice, you'll see a nice beachfront city picture on the front. If you can let me know when you can see that. Hold on. Hold on. So I go to email, and then I scroll. So do I go into the showing document? No. Yep. No. So there Oh, should be no. some, like, PDFs attached Oh, at the bottom. down the bottom. Yep. Okay. What statement of advice, you said? Yeah. That's the one. Yep. And there's two similar documents. One's got a forest picture. One's got a beachfront city. We're looking for the the Gold Coast looking one. Yeah. Yeah. I'm on that one. Yep.","start_word":693,"end_word":810,"sentiment":"neutral","sentiment_score":0.04158877953886986},{"text":"Perfect.","start_word":811,"end_word":811,"sentiment":"positive","sentiment_score":0.5084764957427979},{"text":"So I'll run you through kind of the main point to this because it's quite wording heavy. Just make sure you're Yeah. comfortable with everything I'm recommending before you do anything. Okay. Yep. Just as a quick run through as well, so all of the statements of advice, they contain our licensing details on the front, including my representative number with ASIC. So you Yep. can see my my sort of full name there. If you scooch through to page four, Mhmm. you'll see scope of advice heading, if you can see Yep. that. Yeah. So main thing that we were doing is we were reviewing the portfolio with the super. We identified one or two options that were a bit of a concern. So the purpose of this advice is to look at updating that and making sure you're still on track for that retirement goal. Yep. We've got it there, age 67, but, again, just reviewing the super is the main thing. I did put a little bit in for estate planning because you didn't have, like, a will or power of attorney, Yeah. and Yeah. we wanted to make sure that that was kind of sorted. One thing that I will mention Mhmm. is we were talking about putting in place a beneficiary nomination in the interim until Yeah. you get, like, a will in place, and then we'll update it. Yeah. Yeah. So I'll walk you through that specifically towards the bottom of the Okay. document. And if you go through to the next page, it's got scope of advice not considered. It's essentially what we're not giving advice on in this document. Yeah. Yeah. So we're not looking to change super funds at this point. It's mainly just around the investments. There's been no significant changes with Hub, and we're not doing any contributions. You've got enough for your cash flow and goals that you need to sort out. We're Mhmm. not gonna Yeah. be looking at contributions. Okay. The other thing too was just with the insurances. We already went through your existing insurance policy. Everything was fine for the time being, and Mhmm. you didn't want any quotes for trauma insurance. So I've just got that out of scope, but Yeah. we have factored in the premiums for the impact it does have on the super as well for the projections. Okay. Alright. Yeah. K? And the last part of scoping on the next page is just around your cash flow goal. You were Yeah. intending to save around $40,000 over the next couple of years for a house deposit. Obviously, we're not giving specific recommendations. That's just something that you're saving towards. Mhmm. Yeah. Okay. Cool. Cool. Does all that make sense, Kim? Yep. Yep. Beautiful. Can you go down a couple more pages? You'll see a limited advice warning. That just talks about that we're not giving all the recommendations under the sun. If the details that we have from you are inaccurate, obviously, that may impact the advice as well. Yeah. Yeah. So can you just have a quick look at the about you section on page seven and eight? It's just got your basic details. We've got your income, 100,000, technical officer, phone number, email address, all that kind of thing. And I did split the savings into, like, a weekly amount for the time being. And, again, it's still counted as, I guess, smokers' rates for the time being until Yeah. that's kind of twelve months free. Okay. Yeah. Yeah. Cool.","start_word":812,"end_word":1404,"sentiment":"neutral","sentiment_score":-0.027767403927611255},{"text":"Alright. Awesome.","start_word":1405,"end_word":1406,"sentiment":"positive","sentiment_score":0.43108198046684265},{"text":"Yep. Assets and liabilities, we just had the Hilux and the savings. Nothing Yep. sort of out of the ordinary Yep. Yep. there.","start_word":1407,"end_word":1429,"sentiment":"neutral","sentiment_score":0.07592704147100449},{"text":"Perfect.","start_word":1430,"end_word":1430,"sentiment":"positive","sentiment_score":0.5286589860916138},{"text":"We've got the Hub Super. We've Mhmm. got your one part insurance policy is in there as well. Yep. Can you go through to page 10 has your risk profile? And just let me know when you can see those risk profiles. Yep. Yep. Yeah. Yeah. Most insurance, TPD. Yep. And then just past that, you'll see blue heading risk profile and then red heading questionnaire growth as the score and recommended. Oh, yeah. Yeah. Yeah. Okay. Cool. Yep. So one of the things that I was double Yep. checking was that previously, you were already in, like, that growth risk level, four out of five. Yeah. Still focusing on trying to grow your super, but nothing too risky at the moment. So we haven't changed your risk level. We're just updating the investments. Okay. Cool. Yep. Yep. Cool. So if you go through, you'll see a nice exploded pie chart. That's just an example of that type of asset allocation. But Yeah. if you go through to page 12 strategy recommendations for me, please. Yeah. Cool. So one thing that I'm wanting to do is I investigated do you remember the Benelong investment option that was a bit of a concern for your performance? Yep. So I did find a really good replacement Yes. for it, and Okay. there was something else that was a little bit strange. I Mhmm. don't like to normally throw out too much sort of technical jargon, but Yeah. you have this S and P 500 ETF, which gives Yeah. you access to the American stock market, the top 500 companies. Yeah. Yeah. One thing that I noticed was that the performance of that was different than the performance of the actual market where the Uh-huh. market was up, like, 16%, but yours was only up three to five. Yeah. Yeah. Yeah. I actually found out what what caused that. Oh, okay. Yep. When you invest in the American stock market, what happened was that the US dollar started crashing the last twelve months compared to the Australian dollar. Yep. So when the returns came back to your super account, it was devalued because the US dollar went down compared to our currency. Okay. Yep. Yep. K? So even though you're in the exact same investments and shares, the dollar difference had caused a split in the performance. Yeah. So Yeah. what I've recommended, there's a new sort of we call it an SMA, separately Yeah. managed account. It puts a bubble around your portfolio and allows Oakview in combination with Mhmm. BlackRock, who's kinda Yeah. like the biggest fund manager on the planet, they can move around and change your investments throughout the year based Uh-huh. on anything. Any updates that we do to our portfolios, they can do it to you live straightaway before everybody else. Yep. Yep. What they did already was they switched out that investment for one that's currency hedged, which Yep. means Yep. they trade it in Australian dollars, and that removes that issue completely. Oh, okay. Yep. Okay.","start_word":1431,"end_word":1941,"sentiment":"neutral","sentiment_score":-0.023321874279332026},{"text":"Cool.","start_word":1942,"end_word":1942,"sentiment":"positive","sentiment_score":0.3588886857032776},{"text":"So it's Yep. a little bit of a trick that the investment committee have just done around Christmas time, and I want to put you into that that bubble so that you Yep. get these updates live rather than waiting for me to do that review and switch your investment out. Yeah. Okay. Yep. Yep. Okay? Yep. So if you go through whenever you switch investments in super, sometimes there's, like, a capital gains tax that happens Okay. inside the super fund. Yeah. But our estimate is that you have no to switch the investments, you won't actually pay any capital gains tax. It's all Okay. gonna offset each other. Yeah. Alright. K? Okay. So Yeah. all of that text there, it basically just says, I want to put you into this SMA structure, update Yeah. the investments inside, that removes the Benelong, that fixes the currency hedging. Yeah. Okay. Yep. Alright. K? If you go down, you'll see a table with advantages and disadvantages.","start_word":1943,"end_word":2107,"sentiment":"neutral","sentiment_score":0.082704497738318},{"text":"Basically, one of the cool things that we can do is the investments that I've recommended, they've they're lower investment fees than what you currently have.","start_word":2108,"end_word":2133,"sentiment":"positive","sentiment_score":0.38568535447120667},{"text":"Yeah. And on top of that, we can get you this SMA bubble on Hub twenty four's core menu, which Yeah. normally you're in the choice menu, which has the most investment options in the country. It's got 1,300. Okay. Yeah. Normally, if you go to the core menu, it's cheaper. It saves a Yeah. $180 a year, but you only have access to a 100 options. Mhmm. But the cool thing that we've been able to do is inside that SMA bubble, we have access to everything. Oh, okay. Yeah. So Yeah. what I'm saying, Kim, is that we can move you into the cheaper menu, but still keep the access to all the investment options. Oh, no. I see. Okay. Yep.","start_word":2134,"end_word":2256,"sentiment":"neutral","sentiment_score":0.16420024633407593},{"text":"It's really Sweet. cool.","start_word":2257,"end_word":2260,"sentiment":"positive","sentiment_score":0.35491257905960083},{"text":"Yeah. There is a little bit of, like, brokerage fees that happens anytime that we buy ETFs inside super, Yeah. and that's all been factored into the investment fees. Yep. Yep. Okay. Yep. So if you scroll down a couple more pages, can you see the table on page 15? It's a blue table labeled investments. It's got a whole bunch of red text on it. Yep. Yep.","start_word":2261,"end_word":2328,"sentiment":"neutral","sentiment_score":0.07413028180599213},{"text":"Cool.","start_word":2329,"end_word":2329,"sentiment":"positive","sentiment_score":0.3703529238700866},{"text":"So these are all your current options. Yeah. The one at the top, Bennelong concentrated equities, that was the one that was a concern performance wise. Okay. Yeah. Yeah. And the second last one, s and p 500, that was Mhmm. the one that had the currency issue. Alright then. Yeah. So what we're basically doing is we're going to switch all of those. You're gonna Mhmm. keep about half of them. But if you go to the next page, can you see the switch there where it just says SMA bloom? Yeah. Yeah. So we're gonna bubble it all into this SMA. All the investments come across, and those ones under the hood, they get switched out, but you're essentially in one option and everything's inside of it. Mhmm. Yeah. Okay. Yep. K? So it's a little bit more self managed in a sense. It'll Yep. kind Yep. of do its thing. You'll actually get change reports if we ever update the investments. You'll get, like, an email saying, hey. We've sold Yeah. this, and we've that. Yeah. Yeah. Cool. What it means for you is on the next page, you'll see a lovely pie chart for the asset allocation. Just just wait a minute, Carson. I'm on the phone, please. Yep. No worries. It'll only be a couple of minutes, and then No. I'll wait. No. No. Gotcha. You're right. Don't worry. He's just yelling out. It's alright. He's fine.","start_word":2330,"end_word":2571,"sentiment":"neutral","sentiment_score":0.04947575926780701},{"text":"Fantastic. The asset allocation pretty much stays the same.","start_word":2572,"end_word":2580,"sentiment":"positive","sentiment_score":0.41330698132514954},{"text":"So you're still Mhmm. between 80 to 90% growth assets in that risk Yep. profile. You're going Mhmm. from '88 to '86. It's not really much of a change. Yeah. But the actual outcome Okay. here on page 18, can you see this fee Yep. comparison Where is that? table? And it should have, like, three blue bars across Yep. it, cost Yep. comparison lump sum. Yep. So what it basically shows is your current on the left, recommended in the middle, and the difference on the right. The Mhmm. difference that you get is you save a $180 on the admin fees, $370 on the investment fees, Yep. and Mhmm. the returns at the bottom for the last five years, they go from 9.99 to 11.89. So it's almost a 2% extra return per year You're comparing not. the two portfolios. Okay. Yeah. Yeah. K? We've updated the projection below. So over five to ten years, that should help the super buy around about 30 to 50,000 on average. Yep. Yeah. K? And the last thing I wanna point out is just the returns on the next page. It says annualized, and it's got Mhmm. in red March 23. I just wanna point out on the left hand side, Yep. I just wanna point out on the left hand side, your portfolio has kind of bounced between, like, 6%, thirteen, and nine, whereas what we're recommending has been doing thirteen, fifteen, and 11. It's just consistently hitting those double digits over every time period. Mhmm. Yeah. Right. Okay. And Yep. that's kind of what you want. Like I said last time, you're aiming for 9% plus for your growth risk profile. If we can consistently get double digits, you're good to go. Yeah. Yeah. Yeah. Yeah. No. Cool.","start_word":2581,"end_word":2879,"sentiment":"neutral","sentiment_score":0.08568586272041136},{"text":"Awesome. Yep. Awesome. That's pretty much everything for the super.","start_word":2880,"end_word":2889,"sentiment":"positive","sentiment_score":0.4437306225299835},{"text":"Do you have any questions on that? Nope.","start_word":2890,"end_word":2897,"sentiment":"neutral","sentiment_score":0.16137123107910156},{"text":"That's pretty good.","start_word":2898,"end_word":2900,"sentiment":"positive","sentiment_score":0.36227989196777344},{"text":"Yep. Cool. The only real difference it means for you is that when you log in to your hub, you'll see the one portfolio and how that's Yeah. performed, but we have Uh-huh. access to all the reporting under the hood now. Yep. Okay.","start_word":2901,"end_word":2944,"sentiment":"neutral","sentiment_score":0.10528892278671265},{"text":"Cool.","start_word":2945,"end_word":2945,"sentiment":"positive","sentiment_score":0.3380202651023865},{"text":"Yep.","start_word":2946,"end_word":2946,"sentiment":"neutral","sentiment_score":0.2609521746635437},{"text":"Cool. Perfect.","start_word":2947,"end_word":2948,"sentiment":"positive","sentiment_score":0.5404781103134155},{"text":"It just caps off with your beneficiaries just saying, hey. You wanted to have it equally split between your children for Yep. the super and the life insurance. Yeah. Just that Yep. reminder that once you do have the will in place, we Yeah. can update that so the Absolutely. super goes to the will, and then you can Mhmm. split the children in there, save a bit of tax. Okay. Yeah.","start_word":2949,"end_word":3020,"sentiment":"neutral","sentiment_score":0.22413934932814705},{"text":"Yeah. Awesome. Cool. So my team will kind of prefill out some forms as best they can and get them out to you to update the beneficiaries.","start_word":3021,"end_word":3047,"sentiment":"positive","sentiment_score":0.4217982292175293},{"text":"And Yeah. once you're okay with this, we'll pretty much update your your menu with Hub 24 and switch the investments. Yeah. Okay. Cool. Yep. K? Yep. Awesome.","start_word":3048,"end_word":3075,"sentiment":"neutral","sentiment_score":0.14365002512931824},{"text":"The rest of the document, So I'm this not good.","start_word":3076,"end_word":3085,"sentiment":"negative","sentiment_score":-0.397844135761261},{"text":"Yeah. Go ahead. sorry. Just quickly with that, like, if the like, if I was to pass and the kids get a super, do they get cash, or does it doesn't go into a super fund for them, or what does that look like? It'll pretty much go to them directly. Like, they Yeah. Okay. sometimes they can Yeah. kind of take over the super, but it'll pretty much be paid out to them in in their name. And then Yeah. if Yeah. they're under 18, whoever kind of looks after them will look after the money. Yeah. Yeah. Yeah. Alright. No.","start_word":3086,"end_word":3187,"sentiment":"neutral","sentiment_score":-0.05366479232907295},{"text":"Excellent.","start_word":3188,"end_word":3188,"sentiment":"positive","sentiment_score":0.35416746139526367},{"text":"Cool. Alright. No worries. Cool. And similar with life insurance, life insurance is just a straight up lump sum to that person. Yeah. Yeah. Alright.","start_word":3189,"end_word":3213,"sentiment":"neutral","sentiment_score":0.14747823774814606},{"text":"Cool.","start_word":3214,"end_word":3214,"sentiment":"positive","sentiment_score":0.343781441450119},{"text":"Cool. And not gonna go over, like, the pros and cons of beneficiaries with you again because I'm I'm assuming you Yeah. remember why we Yeah. should have that in place, Yeah. a reminder to put in place a will and a power of attorney. And I'm just Mhmm. scrolling through the documents. We've got the fees and commissions are still listed on page 29, same with that review. So ongoing service fee is still the same. The commissions for the one path is still the 22%. Yeah. Again, if you ever need a claim on the insurances, like I said, probably we're not the first person you'll call, but we can help you through the claims process if something serious Oh, okay. happens. Yep. Yep. Okay. Yep.","start_word":3215,"end_word":3342,"sentiment":"neutral","sentiment_score":0.04498721240088344},{"text":"Awesome.","start_word":3343,"end_word":3343,"sentiment":"positive","sentiment_score":0.5143973231315613},{"text":"Sometimes insurers can be a bit difficult to deal with, so we just like to Yeah. help with the forms, and liaising is kind of the middleman on your behalf. Yeah. Yeah. No.","start_word":3344,"end_word":3376,"sentiment":"neutral","sentiment_score":0.09363944083452223},{"text":"That's that's good to know. Yep. Awesome.","start_word":3377,"end_word":3383,"sentiment":"positive","sentiment_score":0.387378990650177},{"text":"There's an authority to proceed at the bottom, and it basically says, hey. These are the steps that we're gonna do. If you consent to this, we'll switch your menu, switch your investments, send you out the forms for the beneficiaries. You just need to get them witnessed because they are legal forms, and we can't put in place a will for you. You Yeah. have to go Yeah. talk to a lawyer or a public trustee. Yeah. Okay. Yep. Cool. That's pretty much it, Kim. There's an application form to switch your menu attached along with it. Do you Mhmm. have any questions for me? No. That's that's seems pretty straightforward.","start_word":3384,"end_word":3495,"sentiment":"neutral","sentiment_score":0.13949953019618988},{"text":"I Cool.","start_word":3496,"end_word":3497,"sentiment":"positive","sentiment_score":0.33445116877555847},{"text":"think.","start_word":3498,"end_word":3498,"sentiment":"neutral","sentiment_score":0.3043685257434845},{"text":"Awesome.","start_word":3499,"end_word":3499,"sentiment":"positive","sentiment_score":0.3932667374610901},{"text":"Yep. So that signature link has the signatures for this advice document and the menu switch. We Yep. do all of the investment switches live on your account. The only Mhmm. other things that I've attached, you probably saw there was about six attachments. It's just all of the Hub twenty four product documents, all of Yeah. the investment Okay. menus, their Yeah. product disclosure statement. It's got all their fees and and legal information. Yep. Yep. Okay. Cool. Alright. And so Alright. with the so what what are because the 3,000 is that's your that's the Oakview fees, isn't it? Correct. And then the so what are what hub fees and whatnot, so they're also coming out of my super as well, aren't they? Yeah. That's right. Yeah. So the best place to look at those is that fee comparison that I was showing you before. It actually Oh, yeah. splits it between the account fee, the investment fees, and the adviser fees, and then Yeah. we Yeah. factor in premiums for the insurance and also taxes as well, and then Okay. take all that into account. Yeah. Alright. No.","start_word":3500,"end_word":3690,"sentiment":"neutral","sentiment_score":0.06583202614678138},{"text":"That's cool. Perfect.","start_word":3691,"end_word":3693,"sentiment":"positive","sentiment_score":0.49636310338974},{"text":"Alright. So I just sign this document. Yeah. Let me know how you go with the the new Odoo sign. It's it should have, at the end, a button for you to download a signed copy for yourself, for your own records. Yeah. But I Okay. just wanna know if it is is it straightforward? Do you find that easy to navigate? Yep.","start_word":3694,"end_word":3756,"sentiment":"neutral","sentiment_score":0.12858667969703674},{"text":"That was pretty easy to do. It's just loading. Cool.","start_word":3757,"end_word":3766,"sentiment":"positive","sentiment_score":0.4415623545646667},{"text":"Just because this is like a custom built CRM that we've kind of put together, and I just wanna make Okay. sure it's just as good for, like, the the DocuSigns and and those types Yeah. of programs. Yeah. Right. Okay.","start_word":3767,"end_word":3807,"sentiment":"neutral","sentiment_score":0.17326244711875916},{"text":"Cool.","start_word":3808,"end_word":3808,"sentiment":"positive","sentiment_score":0.35237663984298706},{"text":"Yeah.","start_word":3809,"end_word":3809,"sentiment":"neutral","sentiment_score":0.29458922147750854},{"text":"It's really nifty.","start_word":3810,"end_word":3812,"sentiment":"positive","sentiment_score":0.5265427231788635},{"text":"It it links everything to your client profile, so all the emails link together, all Yeah. the file notes and everything and tracking the tasks for you. So everything that we do for you in the background, it's all just tracked in this system for us. Makes it a bit easy to make sure we're looking after you. Yeah. Yeah. Cool. No. That's good. And then sign documents. Yes. Save. Yep. And it allowed me to save. So yeah. No. That's pretty cool.","start_word":3813,"end_word":3895,"sentiment":"neutral","sentiment_score":0.18758505582809448},{"text":"Awesome.","start_word":3896,"end_word":3896,"sentiment":"positive","sentiment_score":0.4539986848831177},{"text":"Awesome. So with So the I'll DocuSign, just you gotta sign in to DocuSign to so yeah. But no. That's good.","start_word":3897,"end_word":3917,"sentiment":"neutral","sentiment_score":0.117557555437088},{"text":"That's awesome. awesome. Good to have the feedback there.","start_word":3918,"end_word":3926,"sentiment":"positive","sentiment_score":0.5315655469894409},{"text":"One of Yep. the things I mentioned in our last call just before I let you go is that as the senior adviser, I just wanted to kind of jump in and help Yep. you update the investments in the super. You still have Veronica as, like, a dedicated adviser linked to you. So Yep. she'll be Yep. doing your annual reviews and looking after you and any questions you might have. Yep. If she's Perfect. not available, you can still speak with me as well. Okay.","start_word":3927,"end_word":4013,"sentiment":"neutral","sentiment_score":0.14791303205079046},{"text":"Awesome. Yep. No worries. Thank you very much. Cool, Kim. No worries at all. We'll get all this updated, and have a fantastic weekend. Awesome. Thank you. You too. Have a good one. Bye. See you later.","start_word":4014,"end_word":4050,"sentiment":"positive","sentiment_score":0.6585569977760315},{"text":"Bye.","start_word":4051,"end_word":4051,"sentiment":"neutral","sentiment_score":0.1852078437805176}],"average":{"sentiment":"neutral","sentiment_score":0.047724876906590594}}}}