{"metadata":{"transaction_key":"deprecated","request_id":"01a114e8-10c4-7810-9f61-85897d85e1d0","sha256":"fc200db1a246dadd9fd725bd45007a0bc009ae993b073329d296b886292a3f36","created":"2026-10-07T05:48:37.405Z","duration":1334.2319,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":3627,"output_tokens":128},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4008,"output_tokens":4016},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4008,"output_tokens":216}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Sean. It's Jenna here phoning from Oakview Financial. How are you today? I'm good. Thank you. Just before I do go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Lovely. I can hear that you're driving. Did you want me to phone you back at a different time, or are you okay? Okay. Lovely. Sean, can I please ask that you confirm your client password, please? Thank you for that. Thank you. Okay. You would have received probably in the last ten minutes or so an email from me that contains the advice document. Given you're driving, what I'm going to do is I'm gonna talk through that advice document verbally with you and ask that you review that post our call and complete anything that is necessary should you wish to proceed. Is that okay? Lovely. Alright. The document... There's two documents. There's a statement of advice and then a... And an appendix to that statement of advice contained in that email. The cover page just simply outlines that I'm the one providing you advice and who I'm licensed through. Now when we do provide advice, we adhere to our... We have a best interest duty, which means that we need to identify the client's personal and financial situation and address your needs as an individual and ensure that any recommendation is appropriate for your circumstances. And we always need to put the best interest of you first. So that's how we provide advice. So this advice document covers several goals. The first one being the superannuation, ensuring that you have sufficient funds to support yourself and family in retirement. We have reviewed those underlying investments that we talked about in our recent review and made some recommendations to change your portfolio. Additionally, in this advice document is information for you to consider in relation to repayment of your personal loan within three... A three year time period. And then once that is paid off, information for you to then look at repaying your mortgage in a fifteen year time period. So that is information for you to consider. The recommendation is based on your goals and objectives. Whether you decide to follow through with those, entirely up to you. It's the information just to help you achieve those should you wish to. And then also in the document is a recommendation to ensure that you establish wills and powers of attorney. What what what we're not covering is anything in relation to your insurance or what we're not providing advice in is relation to anything including your insurances. As you said that you're happy with your existing life, capitated income protection, and you're not interested in exploring trauma insurance. Is that still correct? Lovely. And then, additionally, your retirement goals aren't included in this advice document given that it's twenty four twenty four years away... Years away. Any strategies for retirement aren't applicable at the moment. We're just focusing on making sure your superannuation is invested in line with your risk profile and the investments are appropriate to help you reach those goals. Legally, I just need to tell you I'm not a legal practitioner. I can't assist or produce wills and powers of attorney. A lawyer needs to do that for you, and I'm not authorized to provide advice in general insurance products like home and motor insurance, etcetera. I can provide tax based on financial advice taxation rules, but I can't provide generalized tax return, you know, or tax accounting advice. Within the document, you'll see there's an about you section. This includes your personal information, assets and liabilities, and your current super and insurances, and that's based on the information we confirmed in your recent review. And also your gross risk profile where we discussed the eighty twenty split to growth assets and defensive assets and that you were comfortable to maintain that approach to investing. From about page 14 onwards, this is of the document. This is where the actual recommendations are. What I've recommended is that we actually reviewed all of the underlying investments within your portfolio and make some some strategic changes to the investments. It... I have made that based on based on the underperforming funds and the phasing out of the hybrids, but the recommended portfolio is lower cost. So you're gonna save on investment fees, which is less likely to erode your super balance over time. And, historically, the longer term growth of this portfolio is better. And so based on historical performance, I think that this this portfolio will help you achieve your goals for retirement. Now the trade off is is that when we make those investment changes, the super fund itself, so not you personally, will incur a capital gains tax of approximately a 199, and that's deducted from the super balance, and that's a one off. So what that mean... So you... Do you understand what capital gains is? Most people do, capital gains tax? Yep. Are you alright? Okay. So... Yes. So the fund will incur that. And what I've considered for that in relation to offsetting that is that you are gonna have a $343 fee saving overall. So that has paid for itself already, the capital gains, and you're gonna have a more diversified portfolio. The risks are always when we're just transferring investment assets is that, you know, when you're out of the market for a tiny bit of time or investments which is occurring, The market still does continue, so there is still a possibility of missing out on possible growth while that happens. And we obviously can't guarantee that the recommended investments are gonna be perform better than you currently have. It's just that the portfolio itself is just structured differently. Did consider another platform for you to look at instead of hub. It was discounted mainly because you would actually have a capital gains event of about $1,800 to do this. That's not gonna place you in a better financial position, and so that was discounted. Essentially, as I mentioned before, you're gonna save about $343 a year in fees. The difference in so the five year rolling average return on your current portfolio sits at about 8.37%. On the recommended portfolio, it sits at 11.12%. So we... There's a 2.75% difference there just based on how the portfolio is constructed, and that's based on a five year rolling average. So by making the changes, we project it. And, again, projections are simply that projection. So they are conservative, but we do like to make sure. So in five years, based on the current versus the recommended portfolio, we expect the difference to be an increase of about $26,500, and in ten years, about $80,000 rounded up. The... There is a table on page 19 of the document that shows you what we are removing from your portfolio to be invested in, and they're all highlighted in red. Some you'll note has a balance afterwards. So the beta share cyber security, for example, we're withdrawing 5,000 odd dollars from that. You'll still have 6,000 remaining in that investment. That means we're just rebalancing the portfolio. So instead of having 9.33% allocated, we're gonna reduce you back down to the desired 5% to make sure that you're not overweighted in that asset in line with your risk profile. Does that make sense? Any questions so far? No? Fantastic. Following that page is the asset allocation. So that is, it will just show you the breakdown of how you're invested across the different sectors. So Australian equities, you're gonna have approximately 20% allocation, international equities, 55%, alternative growth, about 10%. So you're gonna have about 85% exposure to growth assets with the remaining 15% on your defensive. So you are a little bit higher gross wise by 5%. It's within the variable tolerance that we set, so we're comfortable with that to help you reach those those retirement... Future retirement goals and objectives and get those returns going for you. The next part of that document is the personal loan. So we did talk about reducing the personal loan to a new balance in a three year period. What... You're currently paying $820 a month. What I have looked at is your $500 a month that you save. I've looked at putting that towards the repayment of your personal loan, which would mean it would increase to $1,320 per month. What that would do is would see you repay the loan in three years and one month as opposed to five years and six months based on current interest rates and, you know, the variables. So this is very open to change depending on what the interest rates are and everything. The downside is is that... Well, the upside is, first of all, that you're gonna save approximately $5,382 in interest by making those additional repayments. The downside is is that you're going to not have your $500 a month savings. And over that thirty seven months, which is three years and one month one month. Sorry. You would have saved 18,500, assuming that you did have a strict savings plan of $500 a month. So you are gonna save on a interest, not the same amount that you would save by saving the funds in your bank account, which is a disadvantage that needs to be considered. But it does meet your goal of repaying the personal loan in a three year period or three years and one month. The next part is the home loan. So in here, I've given you two options for your consideration. After the personal loan is repaid, what we have done is we've modeled using that same amount, the 1,320 per month. So what you would have put towards the personal loan and that same 500 of savings and increase that mortgage repayment. What that will do is reduce your home loan down to sixteen years and eight months, and you'll save approximately $223,294 in interest comparing to twenty five years. And to actually reach the goal of fifteen years, you would actually need to... In... You'd have to find another $530 per month on top of that 1,320, which is 1,850 per month, and that would say you pay down the home loan in fourteen years and eleven months, saving you $266,000 in interest. So the information is there for you to consider and implement yourself if you do want to work towards those goals. So there's nothing that we need to do on our end. It's more information for you to... If you if you do wanna do that. Okay? The the risks are, you know... Well, not the risks, but the disadvantages and the things to take into consideration is over time, things can change, like jobs change, unexpected expenses, interest rate increases, which can all affect the outcome of of those goals. So, again, bear in mind they are projections based on current interest rates. So should interest rates increase, you know, repayments would need to, but, additionally, should they decrease the the repayment of the loan would be quicker also as well. Within the next the next two recommendations is to establish a will, and that's to ensure that your estate is distributed as per your wishes. If you do pass away without a will, it does create challenges for your family in relation to accessing assets and funds in a timely manner. So it is a very important document to have and also a power of attorney which allows someone trust... You get to nominate a trusted individual to make decisions on your behalf financially and from a health perspective if you're unable to do so, so it could be a physical or mental incapacity. It could be that you're traveling overseas, for example, depending on how it's set up and someone needs to act on your behalf. So that's a pretty powerful document that you need to consider establishing also. Without it, it does limit how someone can take care of you should the worst happen. The ongoing services within the document, so nothing's changed. Your reviews, we still conduct your reviews, go through this entire process each year should it be necessary. And if anything changes in the meantime, you are 100% welcome to reach out for any further additional advice. And if it's in relation to superannuation and insurance, there's no additional cost. If it's new advice or, I don't know, setting up an investment plan, for example, there would be new fees which would be discussed, but may... A a fair bit of the advice is covered under your current arrangement. Just the last couple of important information pieces is the... Sorry. The remuneration. So your adviser service fee hasn't changed. It's so it's not a double up. So your super fee that you signed off recently, that is included in this document. It's not an additional fee. It's just that we have to disclose it again and the ongoing insurance premium. So we do receive a commission from the insurance company for your insurance premiums being enforced, so that's there as well. So there's no new fees. It's just confirmation of the existing remuneration that we receive. The... There is a how to implement our advice. So you'll notice in there the changes with the insure... With the superannuation that we would do with the loan and the wills and powers of attorney. If you want to make any changes there, that would be... There are instructions there on how to do it. The second last page is a... Is where you would sign to proceed with the advice, and you'll note that there is a blank document or a blank space just above where you would sign. And in that blank space, what we do ask is if there's any part of the document or the advice that you don't wanna wish to proceed with, that you write it in there. So for example, if you say... You decide I'm not gonna repay the personal loan quicker, I'm just gonna let ride five years, just write that in there for me so I can update the records on our end, and I won't ask you the same questions next year. Yep. The last document... The last page is our adviser declaration. So that's just me saying that I've given you a copy of the financial services guide, that this statement advice is an accurate and complete record of the recommendations I've given you. Make sure that you give... That I'm giving you the opportunity to read, consider, and understand the SOA. So please do read this. Reach back out to me with any questions if you have any before signing this or if anything has significantly changed that's in this document that that should be addressed. And then the final document within the pack, there's only the two, is the appendix. It's a information piece that we include, and in there, it shows you the different types of risk profiles. It explains some important information such as the contents of the SOA. So I've taken all reasonable steps to ensure that the information is accurate based on the information you've provided provided to me. The SOA itself is valid for sixty days from the date of the SOA, and that's simply due to client's situations can change in a short period of time. So we do put a limitation on this in... Or most licensees do, to be honest with you. But sixty days, if if the document isn't signed before then and we need to... And we still wanna make these changes, we just have to start the process again, which isn't a bad thing. It's just to make sure that the the advice is still appropriate and current. No product guarantee. So, again, those warnings are all throughout there. Can't guarantee that it's going to perform better than what you currently have. And there are also some links to the recommended underlying investments that I've met... I've recommended within your superannuation fund. And lastly, there's two little bits of information. There's an an information piece on the investment return methodology on how we calculate those. Just for your information, they are conservative in nature and some information on life insurance held through super. So that's your life, keep it in income protection, and how that is paid and taxed. So it's just general information. And that is the advice presentation. Do you have any questions? No? Okay. Well, please take the time to have a read of that. Again, reach out to me if you have any questions. And when you're happy to proceed, if you can sign that that document and return to me with... Or you just follow the process similar to the review, but ensure you type in anything in there that you don't wish to proceed with so I won't annoy you continuously with questions. Wonderful. Well, thanks, Sean. Happy reading, and stay safe, and I'll speak to you soon. You're welcome. Enjoy your day. 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Sean. It's Jenna here phoning from Oakview Financial. How are you today? I'm good. Thank you.\n\nJust before I do go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Lovely. I can hear that you're driving. Did you want me to phone you back at a different time, or are you okay?\n\nOkay. Lovely. Sean, can I please ask that you confirm your client password, please? Thank you for that. Thank you.\n\nOkay. You would have received probably in the last ten minutes or so an email from me that contains the advice document. Given you're driving, what I'm going to do is I'm gonna talk through that advice document verbally with you and ask that you review that post our call and complete anything that is necessary should you wish to proceed. Is that okay? Lovely.\n\nAlright. The document... There's two documents. There's a statement of advice and then a... And an appendix to that statement of advice contained in that email.\n\nThe cover page just simply outlines that I'm the one providing you advice and who I'm licensed through. Now when we do provide advice, we adhere to our... We have a best interest duty, which means that we need to identify the client's personal and financial situation and address your needs as an individual and ensure that any recommendation is appropriate for your circumstances. And we always need to put the best interest of you first. So that's how we provide advice.\n\nSo this advice document covers several goals. The first one being the superannuation, ensuring that you have sufficient funds to support yourself and family in retirement. We have reviewed those underlying investments that we talked about in our recent review and made some recommendations to change your portfolio. Additionally, in this advice document is information for you to consider in relation to repayment of your personal loan within three... A three year time period.\n\nAnd then once that is paid off, information for you to then look at repaying your mortgage in a fifteen year time period. So that is information for you to consider. The recommendation is based on your goals and objectives. Whether you decide to follow through with those, entirely up to you. It's the information just to help you achieve those should you wish to.\n\nAnd then also in the document is a recommendation to ensure that you establish wills and powers of attorney. What what what we're not covering is anything in relation to your insurance or what we're not providing advice in is relation to anything including your insurances. As you said that you're happy with your existing life, capitated income protection, and you're not interested in exploring trauma insurance. Is that still correct? Lovely.\n\nAnd then, additionally, your retirement goals aren't included in this advice document given that it's twenty four twenty four years away... Years away. Any strategies for retirement aren't applicable at the moment. We're just focusing on making sure your superannuation is invested in line with your risk profile and the investments are appropriate to help you reach those goals. Legally, I just need to tell you I'm not a legal practitioner.\n\nI can't assist or produce wills and powers of attorney. A lawyer needs to do that for you, and I'm not authorized to provide advice in general insurance products like home and motor insurance, etcetera. I can provide tax based on financial advice taxation rules, but I can't provide generalized tax return, you know, or tax accounting advice. Within the document, you'll see there's an about you section. This includes your personal information, assets and liabilities, and your current super and insurances, and that's based on the information we confirmed in your recent review.\n\nAnd also your gross risk profile where we discussed the eighty twenty split to growth assets and defensive assets and that you were comfortable to maintain that approach to investing. From about page 14 onwards, this is of the document. This is where the actual recommendations are. What I've recommended is that we actually reviewed all of the underlying investments within your portfolio and make some some strategic changes to the investments. It...\n\nI have made that based on based on the underperforming funds and the phasing out of the hybrids, but the recommended portfolio is lower cost. So you're gonna save on investment fees, which is less likely to erode your super balance over time. And, historically, the longer term growth of this portfolio is better. And so based on historical performance, I think that this this portfolio will help you achieve your goals for retirement. Now the trade off is is that when we make those investment changes, the super fund itself, so not you personally, will incur a capital gains tax of approximately a 199, and that's deducted from the super balance, and that's a one off.\n\nSo what that mean... So you... Do you understand what capital gains is? Most people do, capital gains tax? Yep.\n\nAre you alright? Okay. So... Yes. So the fund will incur that.\n\nAnd what I've considered for that in relation to offsetting that is that you are gonna have a $343 fee saving overall. So that has paid for itself already, the capital gains, and you're gonna have a more diversified portfolio. The risks are always when we're just transferring investment assets is that, you know, when you're out of the market for a tiny bit of time or investments which is occurring, The market still does continue, so there is still a possibility of missing out on possible growth while that happens. And we obviously can't guarantee that the recommended investments are gonna be perform better than you currently have. It's just that the portfolio itself is just structured differently.\n\nDid consider another platform for you to look at instead of hub. It was discounted mainly because you would actually have a capital gains event of about $1,800 to do this. That's not gonna place you in a better financial position, and so that was discounted. Essentially, as I mentioned before, you're gonna save about $343 a year in fees. The difference in so the five year rolling average return on your current portfolio sits at about 8.37%.\n\nOn the recommended portfolio, it sits at 11.12%. So we... There's a 2.75% difference there just based on how the portfolio is constructed, and that's based on a five year rolling average. So by making the changes, we project it. And, again, projections are simply that projection.\n\nSo they are conservative, but we do like to make sure. So in five years, based on the current versus the recommended portfolio, we expect the difference to be an increase of about $26,500, and in ten years, about $80,000 rounded up. The... There is a table on page 19 of the document that shows you what we are removing from your portfolio to be invested in, and they're all highlighted in red. Some you'll note has a balance afterwards.\n\nSo the beta share cyber security, for example, we're withdrawing 5,000 odd dollars from that. You'll still have 6,000 remaining in that investment. That means we're just rebalancing the portfolio. So instead of having 9.33% allocated, we're gonna reduce you back down to the desired 5% to make sure that you're not overweighted in that asset in line with your risk profile. Does that make sense?\n\nAny questions so far? No? Fantastic. Following that page is the asset allocation. So that is, it will just show you the breakdown of how you're invested across the different sectors.\n\nSo Australian equities, you're gonna have approximately 20% allocation, international equities, 55%, alternative growth, about 10%. So you're gonna have about 85% exposure to growth assets with the remaining 15% on your defensive. So you are a little bit higher gross wise by 5%. It's within the variable tolerance that we set, so we're comfortable with that to help you reach those those retirement... Future retirement goals and objectives and get those returns going for you.\n\nThe next part of that document is the personal loan. So we did talk about reducing the personal loan to a new balance in a three year period. What... You're currently paying $820 a month. What I have looked at is your $500 a month that you save.\n\nI've looked at putting that towards the repayment of your personal loan, which would mean it would increase to $1,320 per month. What that would do is would see you repay the loan in three years and one month as opposed to five years and six months based on current interest rates and, you know, the variables. So this is very open to change depending on what the interest rates are and everything. The downside is is that... Well, the upside is, first of all, that you're gonna save approximately $5,382 in interest by making those additional repayments.\n\nThe downside is is that you're going to not have your $500 a month savings. And over that thirty seven months, which is three years and one month one month. Sorry. You would have saved 18,500, assuming that you did have a strict savings plan of $500 a month. So you are gonna save on a interest, not the same amount that you would save by saving the funds in your bank account, which is a disadvantage that needs to be considered.\n\nBut it does meet your goal of repaying the personal loan in a three year period or three years and one month. The next part is the home loan. So in here, I've given you two options for your consideration. After the personal loan is repaid, what we have done is we've modeled using that same amount, the 1,320 per month. So what you would have put towards the personal loan and that same 500 of savings and increase that mortgage repayment.\n\nWhat that will do is reduce your home loan down to sixteen years and eight months, and you'll save approximately $223,294 in interest comparing to twenty five years. And to actually reach the goal of fifteen years, you would actually need to... In... You'd have to find another $530 per month on top of that 1,320, which is 1,850 per month, and that would say you pay down the home loan in fourteen years and eleven months, saving you $266,000 in interest. So the information is there for you to consider and implement yourself if you do want to work towards those goals.\n\nSo there's nothing that we need to do on our end. It's more information for you to... If you if you do wanna do that. Okay? The the risks are, you know...\n\nWell, not the risks, but the disadvantages and the things to take into consideration is over time, things can change, like jobs change, unexpected expenses, interest rate increases, which can all affect the outcome of of those goals. So, again, bear in mind they are projections based on current interest rates. So should interest rates increase, you know, repayments would need to, but, additionally, should they decrease the the repayment of the loan would be quicker also as well. Within the next the next two recommendations is to establish a will, and that's to ensure that your estate is distributed as per your wishes. If you do pass away without a will, it does create challenges for your family in relation to accessing assets and funds in a timely manner.\n\nSo it is a very important document to have and also a power of attorney which allows someone trust... You get to nominate a trusted individual to make decisions on your behalf financially and from a health perspective if you're unable to do so, so it could be a physical or mental incapacity. It could be that you're traveling overseas, for example, depending on how it's set up and someone needs to act on your behalf. So that's a pretty powerful document that you need to consider establishing also. Without it, it does limit how someone can take care of you should the worst happen.\n\nThe ongoing services within the document, so nothing's changed. Your reviews, we still conduct your reviews, go through this entire process each year should it be necessary. And if anything changes in the meantime, you are 100% welcome to reach out for any further additional advice. And if it's in relation to superannuation and insurance, there's no additional cost. If it's new advice or, I don't know, setting up an investment plan, for example, there would be new fees which would be discussed, but may...\n\nA a fair bit of the advice is covered under your current arrangement. Just the last couple of important information pieces is the... Sorry. The remuneration. So your adviser service fee hasn't changed.\n\nIt's so it's not a double up. So your super fee that you signed off recently, that is included in this document. It's not an additional fee. It's just that we have to disclose it again and the ongoing insurance premium. So we do receive a commission from the insurance company for your insurance premiums being enforced, so that's there as well.\n\nSo there's no new fees. It's just confirmation of the existing remuneration that we receive. The... There is a how to implement our advice. So you'll notice in there the changes with the insure...\n\nWith the superannuation that we would do with the loan and the wills and powers of attorney. If you want to make any changes there, that would be... There are instructions there on how to do it. The second last page is a... Is where you would sign to proceed with the advice, and you'll note that there is a blank document or a blank space just above where you would sign.\n\nAnd in that blank space, what we do ask is if there's any part of the document or the advice that you don't wanna wish to proceed with, that you write it in there. So for example, if you say... You decide I'm not gonna repay the personal loan quicker, I'm just gonna let ride five years, just write that in there for me so I can update the records on our end, and I won't ask you the same questions next year. Yep. The last document...\n\nThe last page is our adviser declaration. So that's just me saying that I've given you a copy of the financial services guide, that this statement advice is an accurate and complete record of the recommendations I've given you. Make sure that you give... That I'm giving you the opportunity to read, consider, and understand the SOA. So please do read this.\n\nReach back out to me with any questions if you have any before signing this or if anything has significantly changed that's in this document that that should be addressed. And then the final document within the pack, there's only the two, is the appendix. It's a information piece that we include, and in there, it shows you the different types of risk profiles. It explains some important information such as the contents of the SOA. So I've taken all reasonable steps to ensure that the information is accurate based on the information you've provided provided to me.\n\nThe SOA itself is valid for sixty days from the date of the SOA, and that's simply due to client's situations can change in a short period of time. So we do put a limitation on this in... Or most licensees do, to be honest with you. But sixty days, if if the document isn't signed before then and we need to... And we still wanna make these changes, we just have to start the process again, which isn't a bad thing.\n\nIt's just to make sure that the the advice is still appropriate and current. No product guarantee. So, again, those warnings are all throughout there. Can't guarantee that it's going to perform better than what you currently have. And there are also some links to the recommended underlying investments that I've met...\n\nI've recommended within your superannuation fund. And lastly, there's two little bits of information. There's an an information piece on the investment return methodology on how we calculate those. Just for your information, they are conservative in nature and some information on life insurance held through super. So that's your life, keep it in income protection, and how that is paid and taxed.\n\nSo it's just general information. And that is the advice presentation. Do you have any questions? No? Okay.\n\nWell, please take the time to have a read of that. Again, reach out to me if you have any questions. And when you're happy to proceed, if you can sign that that document and return to me with... Or you just follow the process similar to the review, but ensure you type in anything in there that you don't wish to proceed with so I won't annoy you continuously with questions. Wonderful.\n\nWell, thanks, Sean. Happy reading, and stay safe, and I'll speak to you soon. You're welcome. Enjoy your day. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Sean.","start":2.96,"end":3.6,"sentiment":"neutral","sentiment_score":0.18583746254444122},{"text":"It's Jenna here phoning from Oakview Financial.","start":3.6,"end":6.16,"sentiment":"neutral","sentiment_score":0.1979819600071226},{"text":"How are you today?","start":6.16,"end":7.14,"sentiment":"neutral","sentiment_score":0.29386625438928604},{"text":"I'm good.","start":9.36,"end":9.92,"sentiment":"positive","sentiment_score":0.6571502685546875},{"text":"Thank you.","start":9.92,"end":10.48,"sentiment":"positive","sentiment_score":0.6804451644420624}],"sentiment":"neutral","sentiment_score":0.32989438404055205,"num_words":17,"start":2.96,"end":10.48},{"sentences":[{"text":"Just before I do go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":10.48,"end":15.735001,"sentiment":"neutral","sentiment_score":0.04063600425918897},{"text":"Is that okay?","start":15.735001,"end":16.795,"sentiment":"neutral","sentiment_score":0.05292737608154615},{"text":"Lovely.","start":19.175,"end":19.675,"sentiment":"positive","sentiment_score":0.45297062397003174},{"text":"I can hear that you're driving.","start":20.375,"end":22.695,"sentiment":"neutral","sentiment_score":0.211321622133255},{"text":"Did you want me to phone you back at a different time, or are you okay?","start":22.695,"end":26.154999,"sentiment":"neutral","sentiment_score":0.03092367434874177}],"sentiment":"neutral","sentiment_score":0.06699450753629208,"num_words":50,"start":10.48,"end":26.154999},{"sentences":[{"text":"Okay.","start":29.619999,"end":30.019999,"sentiment":"neutral","sentiment_score":0.0761805847287178},{"text":"Lovely.","start":30.019999,"end":30.519999,"sentiment":"neutral","sentiment_score":0.1525463908910751},{"text":"Sean, can I please ask that you confirm your client password, please?","start":31.859999,"end":37.72,"sentiment":"neutral","sentiment_score":0.05535327550023794},{"text":"Thank you for that.","start":41.46,"end":42.66,"sentiment":"positive","sentiment_score":0.4468489810824394},{"text":"Thank you.","start":42.66,"end":43.399998,"sentiment":"positive","sentiment_score":0.43704815208911896}],"sentiment":"neutral","sentiment_score":0.17772292550653218,"num_words":20,"start":29.619999,"end":43.399998},{"sentences":[{"text":"Okay.","start":43.699997,"end":44.199997,"sentiment":"neutral","sentiment_score":0.09738698601722716},{"text":"You would have received probably in the last ten minutes or so an email from me that contains the advice document.","start":45.115,"end":50.655,"sentiment":"neutral","sentiment_score":0.012392664683007058},{"text":"Given you're driving, what I'm going to do is I'm gonna talk through that advice document verbally with you and ask that you review that post our call and complete anything that is necessary should you wish to proceed.","start":51.115,"end":66.72,"sentiment":"neutral","sentiment_score":0.03166498131572436},{"text":"Is that okay?","start":66.86,"end":67.759995,"sentiment":"neutral","sentiment_score":0.051833452035983406},{"text":"Lovely.","start":69.5,"end":70.0,"sentiment":"neutral","sentiment_score":0.1326394081115723}],"sentiment":"neutral","sentiment_score":0.02893395353681766,"num_words":65,"start":43.699997,"end":70.0},{"sentences":[{"text":"Alright.","start":70.424995,"end":70.924995,"sentiment":"neutral","sentiment_score":0.06094837188720703},{"text":"The document...","start":71.384995,"end":72.284996,"sentiment":"neutral","sentiment_score":0.021025323309004307},{"text":"There's two documents.","start":72.345,"end":73.305,"sentiment":"neutral","sentiment_score":-0.019181601082285244},{"text":"There's a statement of advice and then a...","start":73.305,"end":75.225,"sentiment":"neutral","sentiment_score":-0.009545484324917197},{"text":"And an appendix to that statement of advice contained in that email.","start":75.225,"end":79.085,"sentiment":"neutral","sentiment_score":0.0007396177388727662}],"sentiment":"neutral","sentiment_score":-0.0008474710182501721,"num_words":26,"start":70.424995,"end":79.085},{"sentences":[{"text":"The cover page just simply outlines that I'm the one providing you advice and who I'm licensed through.","start":79.545,"end":86.88,"sentiment":"neutral","sentiment_score":0.011486149599982632},{"text":"Now when we do provide advice, we adhere to our...","start":87.340004,"end":91.82,"sentiment":"neutral","sentiment_score":-0.005427463445812464},{"text":"We have a best interest duty, which means that we need to identify the client's personal and financial situation and address your needs as an individual and ensure that any recommendation is appropriate for your circumstances.","start":91.82,"end":106.175,"sentiment":"neutral","sentiment_score":-0.0019470211894561846},{"text":"And we always need to put the best interest of you first.","start":108.315,"end":112.73,"sentiment":"neutral","sentiment_score":0.05474756502856811},{"text":"So that's how we provide advice.","start":113.19,"end":115.53,"sentiment":"neutral","sentiment_score":0.03622743704666694}],"sentiment":"neutral","sentiment_score":0.011667301196877549,"num_words":82,"start":79.545,"end":115.53},{"sentences":[{"text":"So this advice document covers several goals.","start":115.99,"end":122.090004,"sentiment":"neutral","sentiment_score":0.055399988910981586},{"text":"The first one being the superannuation, ensuring that you have sufficient funds to support yourself and family in retirement.","start":122.55,"end":128.465,"sentiment":"neutral","sentiment_score":0.10120616480708122},{"text":"We have reviewed those underlying investments that we talked about in our recent review and made some recommendations to change your portfolio.","start":129.005,"end":137.105,"sentiment":"neutral","sentiment_score":0.07311359996145422},{"text":"Additionally, in this advice document is information for you to consider in relation to repayment of your personal loan within three...","start":139.18,"end":149.42,"sentiment":"neutral","sentiment_score":0.02781686328706287},{"text":"A three year time period.","start":149.42,"end":150.72,"sentiment":"neutral","sentiment_score":-0.024407805502414705}],"sentiment":"neutral","sentiment_score":0.05920718046458992,"num_words":74,"start":115.99,"end":150.72},{"sentences":[{"text":"And then once that is paid off, information for you to then look at repaying your mortgage in a fifteen year time period.","start":151.465,"end":162.045,"sentiment":"neutral","sentiment_score":0.14485942021660184},{"text":"So that is information for you to consider.","start":162.745,"end":166.15,"sentiment":"neutral","sentiment_score":0.27921384759247303},{"text":"The recommendation is based on your goals and objectives.","start":166.29,"end":169.03,"sentiment":"positive","sentiment_score":0.45598120821846855},{"text":"Whether you decide to follow through with those, entirely up to you.","start":169.09,"end":172.76999,"sentiment":"neutral","sentiment_score":0.3319179018338521},{"text":"It's the information just to help you achieve those should you wish to.","start":172.76999,"end":175.90999,"sentiment":"positive","sentiment_score":0.41181148244784427}],"sentiment":"neutral","sentiment_score":0.2923980371310161,"num_words":65,"start":151.465,"end":175.90999},{"sentences":[{"text":"And then also in the document is a recommendation to ensure that you establish wills and powers of attorney.","start":177.065,"end":185.08499,"sentiment":"neutral","sentiment_score":0.09727968961784714},{"text":"What what what we're not covering is anything in relation to your insurance or what we're not providing advice in is relation to anything including your insurances.","start":186.425,"end":195.84001,"sentiment":"negative","sentiment_score":-0.34301729169156814},{"text":"As you said that you're happy with your existing life, capitated income protection, and you're not interested in exploring trauma insurance.","start":196.46,"end":204.24,"sentiment":"neutral","sentiment_score":-0.31156915639128},{"text":"Is that still correct?","start":204.605,"end":205.745,"sentiment":"neutral","sentiment_score":-0.049054136499762535},{"text":"Lovely.","start":207.325,"end":207.825,"sentiment":"positive","sentiment_score":0.42054447531700134}],"sentiment":"neutral","sentiment_score":-0.19071912677544686,"num_words":72,"start":177.065,"end":207.825},{"sentences":[{"text":"And then, additionally, your retirement goals aren't included in this advice document given that it's twenty four twenty four years away...","start":208.125,"end":215.345,"sentiment":"neutral","sentiment_score":-0.025309605790036067},{"text":"Years away.","start":215.485,"end":216.305,"sentiment":"neutral","sentiment_score":-0.1667727306485176},{"text":"Any strategies for retirement aren't applicable at the moment.","start":217.29999,"end":220.98,"sentiment":"neutral","sentiment_score":-0.2968924211131202},{"text":"We're just focusing on making sure your superannuation is invested in line with your risk profile and the investments are appropriate to help you reach those goals.","start":220.98,"end":229.48,"sentiment":"neutral","sentiment_score":0.08487519414888488},{"text":"Legally, I just need to tell you I'm not a legal practitioner.","start":233.345,"end":236.325,"sentiment":"neutral","sentiment_score":-0.17775373781720796}],"sentiment":"neutral","sentiment_score":-0.04758441668580955,"num_words":71,"start":208.125,"end":236.325},{"sentences":[{"text":"I can't assist or produce wills and powers of attorney.","start":236.545,"end":240.305,"sentiment":"neutral","sentiment_score":-0.26645072996616365},{"text":"A lawyer needs to do that for you, and I'm not authorized to provide advice in general insurance products like home and motor insurance, etcetera.","start":240.305,"end":249.86,"sentiment":"neutral","sentiment_score":-0.2557446944713593},{"text":"I can provide tax based on financial advice taxation rules, but I can't provide generalized tax return, you know, or tax accounting advice.","start":251.76001,"end":263.47498,"sentiment":"neutral","sentiment_score":-0.14985867281970772},{"text":"Within the document, you'll see there's an about you section.","start":266.335,"end":269.215,"sentiment":"neutral","sentiment_score":0.05258087236434221},{"text":"This includes your personal information, assets and liabilities, and your current super and insurances, and that's based on the information we confirmed in your recent review.","start":269.215,"end":280.33,"sentiment":"neutral","sentiment_score":0.07229752423098454}],"sentiment":"neutral","sentiment_score":-0.10743967853882845,"num_words":94,"start":236.545,"end":280.33},{"sentences":[{"text":"And also your gross risk profile where we discussed the eighty twenty split to growth assets and defensive assets and that you were comfortable to maintain that approach to investing.","start":281.18997,"end":293.23502,"sentiment":"neutral","sentiment_score":0.020580079033970834},{"text":"From about page 14 onwards, this is of the document.","start":297.45502,"end":301.075,"sentiment":"neutral","sentiment_score":0.03496566191315651},{"text":"This is where the actual recommendations are.","start":301.49,"end":304.77,"sentiment":"neutral","sentiment_score":0.056565988808870316},{"text":"What I've recommended is that we actually reviewed all of the underlying investments within your portfolio and make some some strategic changes to the investments.","start":304.77,"end":315.99,"sentiment":"neutral","sentiment_score":0.17954107716679574},{"text":"It...","start":318.115,"end":318.355,"sentiment":"neutral","sentiment_score":0.1584479808807373}],"sentiment":"neutral","sentiment_score":0.08232870988853991,"num_words":73,"start":281.18997,"end":318.355},{"sentences":[{"text":"I have made that based on based on the underperforming funds and the phasing out of the hybrids, but the recommended portfolio is lower cost.","start":318.355,"end":328.995,"sentiment":"neutral","sentiment_score":0.23327662229537963},{"text":"So you're gonna save on investment fees, which is less likely to erode your super balance over time.","start":328.995,"end":335.44,"sentiment":"positive","sentiment_score":0.39562363881203866},{"text":"And, historically, the longer term growth of this portfolio is better.","start":336.22,"end":346.72,"sentiment":"positive","sentiment_score":0.6315049529075623},{"text":"And so based on historical performance, I think that this this portfolio will help you achieve your goals for retirement.","start":347.685,"end":357.785,"sentiment":"positive","sentiment_score":0.7538635730743408},{"text":"Now the trade off is is that when we make those investment changes, the super fund itself, so not you personally, will incur a capital gains tax of approximately a 199, and that's deducted from the super balance, and that's a one off.","start":359.04498,"end":378.525,"sentiment":"neutral","sentiment_score":-0.03568366914987564}],"sentiment":"neutral","sentiment_score":0.2858339250087738,"num_words":117,"start":318.355,"end":378.525},{"sentences":[{"text":"So what that mean...","start":378.525,"end":380.465,"sentiment":"neutral","sentiment_score":-0.009020394645631313},{"text":"So you...","start":380.605,"end":381.725,"sentiment":"neutral","sentiment_score":-0.011811681091785431},{"text":"Do you understand what capital gains is?","start":381.725,"end":383.645,"sentiment":"neutral","sentiment_score":-0.05909853747912815},{"text":"Most people do, capital gains tax?","start":383.645,"end":386.225,"sentiment":"neutral","sentiment_score":-0.061653437092900276},{"text":"Yep.","start":386.845,"end":387.345,"sentiment":"neutral","sentiment_score":-0.005395365413278341}],"sentiment":"neutral","sentiment_score":-0.04243553455453366,"num_words":20,"start":378.525,"end":387.345},{"sentences":[{"text":"Are you alright?","start":388.76498,"end":389.585,"sentiment":"neutral","sentiment_score":-0.01656914238507549},{"text":"Okay.","start":393.67,"end":394.17,"sentiment":"neutral","sentiment_score":-0.005632349289953709},{"text":"So...","start":395.67,"end":396.17,"sentiment":"neutral","sentiment_score":0.0008851969614624977},{"text":"Yes.","start":396.23,"end":396.55002,"sentiment":"neutral","sentiment_score":0.05755126103758812},{"text":"So the fund will incur that.","start":396.55002,"end":398.33002,"sentiment":"neutral","sentiment_score":0.05539594156046709}],"sentiment":"neutral","sentiment_score":0.027956027576389413,"num_words":12,"start":388.76498,"end":398.33002},{"sentences":[{"text":"And what I've considered for that in relation to offsetting that is that you are gonna have a $343 fee saving overall.","start":399.03,"end":408.585,"sentiment":"neutral","sentiment_score":0.18406661328944293},{"text":"So that has paid for itself already, the capital gains, and you're gonna have a more diversified portfolio.","start":408.725,"end":417.945,"sentiment":"positive","sentiment_score":0.3406643221775691},{"text":"The risks are always when we're just transferring investment assets is that, you know, when you're out of the market for a tiny bit of time or investments which is occurring, The market still does continue, so there is still a possibility of missing out on possible growth while that happens.","start":422.4,"end":437.125,"sentiment":"neutral","sentiment_score":-0.17508554473227145},{"text":"And we obviously can't guarantee that the recommended investments are gonna be perform better than you currently have.","start":438.30502,"end":447.0,"sentiment":"neutral","sentiment_score":-0.08159860885805553},{"text":"It's just that the portfolio itself is just structured differently.","start":447.0,"end":453.81998,"sentiment":"neutral","sentiment_score":-0.03125307857990265}],"sentiment":"neutral","sentiment_score":-0.004447438949797333,"num_words":119,"start":399.03,"end":453.81998},{"sentences":[{"text":"Did consider another platform for you to look at instead of hub.","start":457.575,"end":463.595,"sentiment":"neutral","sentiment_score":0.06983202323317528},{"text":"It was discounted mainly because you would actually have a capital gains event of about $1,800 to do this.","start":463.895,"end":475.18,"sentiment":"neutral","sentiment_score":0.1470592441527467},{"text":"That's not gonna place you in a better financial position, and so that was discounted.","start":475.64,"end":480.94,"sentiment":"neutral","sentiment_score":0.036869495362043384},{"text":"Essentially, as I mentioned before, you're gonna save about $343 a year in fees.","start":484.855,"end":490.95502,"sentiment":"neutral","sentiment_score":0.2968047901189753},{"text":"The difference in so the five year rolling average return on your current portfolio sits at about 8.37%.","start":492.535,"end":502.62,"sentiment":"neutral","sentiment_score":0.018232319297062025}],"sentiment":"neutral","sentiment_score":0.11113591227107324,"num_words":78,"start":457.575,"end":502.62},{"sentences":[{"text":"On the recommended portfolio, it sits at 11.12%.","start":503.08,"end":506.68,"sentiment":"neutral","sentiment_score":0.027116160839796066},{"text":"So we...","start":506.68,"end":507.24,"sentiment":"neutral","sentiment_score":0.007066096179187298},{"text":"There's a 2.75% difference there just based on how the portfolio is constructed, and that's based on a five year rolling average.","start":507.24,"end":517.105,"sentiment":"neutral","sentiment_score":0.01956396498082375},{"text":"So by making the changes, we project it.","start":517.105,"end":521.185,"sentiment":"neutral","sentiment_score":0.04131616186350584},{"text":"And, again, projections are simply that projection.","start":521.185,"end":525.045,"sentiment":"neutral","sentiment_score":0.017972114895071303}],"sentiment":"neutral","sentiment_score":0.023783038464434286,"num_words":47,"start":503.08,"end":525.045},{"sentences":[{"text":"So they are conservative, but we do like to make sure.","start":525.185,"end":529.89996,"sentiment":"neutral","sentiment_score":0.11416757580908862},{"text":"So in five years, based on the current versus the recommended portfolio, we expect the difference to be an increase of about $26,500, and in ten years, about $80,000 rounded up.","start":529.89996,"end":544.075,"sentiment":"neutral","sentiment_score":0.09947613085950574},{"text":"The...","start":547.895,"end":548.375,"sentiment":"neutral","sentiment_score":0.006204676814377308},{"text":"There is a table on page 19 of the document that shows you what we are removing from your portfolio to be invested in, and they're all highlighted in red.","start":548.375,"end":560.55,"sentiment":"neutral","sentiment_score":0.029966153452793756},{"text":"Some you'll note has a balance afterwards.","start":561.41003,"end":563.83,"sentiment":"neutral","sentiment_score":0.04555021598935127}],"sentiment":"neutral","sentiment_score":0.06954555228585377,"num_words":80,"start":525.185,"end":563.83},{"sentences":[{"text":"So the beta share cyber security, for example, we're withdrawing 5,000 odd dollars from that.","start":564.85004,"end":570.63495,"sentiment":"neutral","sentiment_score":0.08227088948090872},{"text":"You'll still have 6,000 remaining in that investment.","start":571.175,"end":574.07495,"sentiment":"neutral","sentiment_score":0.12384411972016096},{"text":"That means we're just rebalancing the portfolio.","start":574.295,"end":576.875,"sentiment":"neutral","sentiment_score":0.09034094374094691},{"text":"So instead of having 9.33% allocated, we're gonna reduce you back down to the desired 5% to make sure that you're not overweighted in that asset in line with your risk profile.","start":577.01495,"end":589.37,"sentiment":"neutral","sentiment_score":0.04353836420341395},{"text":"Does that make sense?","start":591.19,"end":592.33,"sentiment":"neutral","sentiment_score":0.09716992452740669}],"sentiment":"neutral","sentiment_score":0.0702895493754609,"num_words":66,"start":564.85004,"end":592.33},{"sentences":[{"text":"Any questions so far?","start":593.435,"end":595.055,"sentiment":"neutral","sentiment_score":0.03170729102566838},{"text":"No?","start":597.515,"end":597.675,"sentiment":"neutral","sentiment_score":-0.01838003471493721},{"text":"Fantastic.","start":597.675,"end":598.175,"sentiment":"positive","sentiment_score":0.4381287097930908},{"text":"Following that page is the asset allocation.","start":600.715,"end":603.455,"sentiment":"neutral","sentiment_score":0.23478677655969346},{"text":"So that is, it will just show you the breakdown of how you're invested across the different sectors.","start":603.755,"end":609.95,"sentiment":"neutral","sentiment_score":0.19144686808188757}],"sentiment":"neutral","sentiment_score":0.1818106096958922,"num_words":31,"start":593.435,"end":609.95},{"sentences":[{"text":"So Australian equities, you're gonna have approximately 20% allocation, international equities, 55%, alternative growth, about 10%.","start":609.95,"end":620.715,"sentiment":"neutral","sentiment_score":0.1779050612822175},{"text":"So you're gonna have about 85% exposure to growth assets with the remaining 15% on your defensive.","start":620.715,"end":627.295,"sentiment":"neutral","sentiment_score":0.22429998043705435},{"text":"So you are a little bit higher gross wise by 5%.","start":627.435,"end":631.295,"sentiment":"neutral","sentiment_score":0.29333893141963263},{"text":"It's within the variable tolerance that we set, so we're comfortable with that to help you reach those those retirement...","start":632.19,"end":643.01,"sentiment":"positive","sentiment_score":0.3904497191309929},{"text":"Future retirement goals and objectives and get those returns going for you.","start":643.15,"end":646.905,"sentiment":"positive","sentiment_score":0.5130262722571691}],"sentiment":"neutral","sentiment_score":0.3138370860956217,"num_words":76,"start":609.95,"end":646.905},{"sentences":[{"text":"The next part of that document is the personal loan.","start":649.78503,"end":653.625,"sentiment":"neutral","sentiment_score":0.22444166913628577},{"text":"So we did talk about reducing the personal loan to a new balance in a three year period.","start":653.625,"end":658.68506,"sentiment":"neutral","sentiment_score":0.08425617135233349},{"text":"What...","start":659.51,"end":660.01,"sentiment":"neutral","sentiment_score":0.03000279702246189},{"text":"You're currently paying $820 a month.","start":660.39,"end":663.69,"sentiment":"neutral","sentiment_score":0.0002322206273674968},{"text":"What I have looked at is your $500 a month that you save.","start":664.47003,"end":669.13,"sentiment":"neutral","sentiment_score":0.22900963116150636}],"sentiment":"neutral","sentiment_score":0.1410322729498148,"num_words":48,"start":649.78503,"end":669.13},{"sentences":[{"text":"I've looked at putting that towards the repayment of your personal loan, which would mean it would increase to $1,320 per month.","start":669.67,"end":679.395,"sentiment":"neutral","sentiment_score":0.18872454796325078},{"text":"What that would do is would see you repay the loan in three years and one month as opposed to five years and six months based on current interest rates and, you know, the variables.","start":679.93506,"end":695.55,"sentiment":"neutral","sentiment_score":0.21217247481857027},{"text":"So this is very open to change depending on what the interest rates are and everything.","start":695.55,"end":702.05,"sentiment":"neutral","sentiment_score":0.17215799959376454},{"text":"The downside is is that...","start":703.72504,"end":705.745,"sentiment":"neutral","sentiment_score":-0.12716851532459258},{"text":"Well, the upside is, first of all, that you're gonna save approximately $5,382 in interest by making those additional repayments.","start":706.84503,"end":715.025,"sentiment":"positive","sentiment_score":0.49291239082813265}],"sentiment":"neutral","sentiment_score":0.24035622354368774,"num_words":98,"start":669.67,"end":715.025},{"sentences":[{"text":"The downside is is that you're going to not have your $500 a month savings.","start":717.9,"end":723.68,"sentiment":"negative","sentiment_score":-0.36013087034225466},{"text":"And over that thirty seven months, which is three years and one month one month.","start":724.86,"end":729.815,"sentiment":"neutral","sentiment_score":-0.25758413076400755},{"text":"Sorry.","start":729.815,"end":730.315,"sentiment":"neutral","sentiment_score":-0.1213030442595482},{"text":"You would have saved 18,500, assuming that you did have a strict savings plan of $500 a month.","start":732.45496,"end":738.935,"sentiment":"neutral","sentiment_score":0.044850018703275256},{"text":"So you are gonna save on a interest, not the same amount that you would save by saving the funds in your bank account, which is a disadvantage that needs to be considered.","start":738.935,"end":751.86005,"sentiment":"neutral","sentiment_score":-0.06642865773403284}],"sentiment":"neutral","sentiment_score":-0.1313643101148489,"num_words":82,"start":717.9,"end":751.86005},{"sentences":[{"text":"But it does meet your goal of repaying the personal loan in a three year period or three years and one month.","start":753.68,"end":760.045,"sentiment":"neutral","sentiment_score":0.2634330747479742},{"text":"The next part is the home loan.","start":764.825,"end":768.345,"sentiment":"neutral","sentiment_score":0.22312481275626592},{"text":"So in here, I've given you two options for your consideration.","start":768.345,"end":772.605,"sentiment":"neutral","sentiment_score":0.2785641049796885},{"text":"After the personal loan is repaid, what we have done is we've modeled using that same amount, the 1,320 per month.","start":773.76,"end":782.48004,"sentiment":"neutral","sentiment_score":0.3074406186739604},{"text":"So what you would have put towards the personal loan and that same 500 of savings and increase that mortgage repayment.","start":782.48004,"end":790.375,"sentiment":"positive","sentiment_score":0.40586378886586144}],"sentiment":"neutral","sentiment_score":0.3097682810592942,"num_words":82,"start":753.68,"end":790.375},{"sentences":[{"text":"What that will do is reduce your home loan down to sixteen years and eight months, and you'll save approximately $223,294 in interest comparing to twenty five years.","start":791.15497,"end":807.7,"sentiment":"positive","sentiment_score":0.4868942318218095},{"text":"And to actually reach the goal of fifteen years, you would actually need to...","start":808.56,"end":815.68,"sentiment":"neutral","sentiment_score":0.20047423296741076},{"text":"In...","start":815.68,"end":816.18,"sentiment":"neutral","sentiment_score":0.02089594304561615},{"text":"You'd have to find another $530 per month on top of that 1,320, which is 1,850 per month, and that would say you pay down the home loan in fourteen years and eleven months, saving you $266,000 in interest.","start":816.675,"end":833.42,"sentiment":"neutral","sentiment_score":0.18300186966856322},{"text":"So the information is there for you to consider and implement yourself if you do want to work towards those goals.","start":833.88,"end":842.94,"sentiment":"positive","sentiment_score":0.46442630887031555}],"sentiment":"neutral","sentiment_score":0.32379222426165655,"num_words":103,"start":791.15497,"end":842.94},{"sentences":[{"text":"So there's nothing that we need to do on our end.","start":843.545,"end":846.345,"sentiment":"neutral","sentiment_score":0.23068651082840833},{"text":"It's more information for you to...","start":846.345,"end":848.52496,"sentiment":"neutral","sentiment_score":0.17561428993940353},{"text":"If you if you do wanna do that.","start":848.90497,"end":850.845,"sentiment":"neutral","sentiment_score":0.04195847222581506},{"text":"Okay?","start":852.665,"end":853.165,"sentiment":"neutral","sentiment_score":-0.15727737545967102},{"text":"The the risks are, you know...","start":856.345,"end":860.5,"sentiment":"neutral","sentiment_score":-0.25402365376551944}],"sentiment":"neutral","sentiment_score":0.07017143245320767,"num_words":32,"start":843.545,"end":860.5},{"sentences":[{"text":"Well, not the risks, but the disadvantages and the things to take into consideration is over time, things can change, like jobs change, unexpected expenses, interest rate increases, which can all affect the outcome of of those goals.","start":861.52,"end":880.97504,"sentiment":"neutral","sentiment_score":-0.24598925443072067},{"text":"So, again, bear in mind they are projections based on current interest rates.","start":880.97504,"end":886.195,"sentiment":"neutral","sentiment_score":-0.08574168355419086},{"text":"So should interest rates increase, you know, repayments would need to, but, additionally, should they decrease the the repayment of the loan would be quicker also as well.","start":886.75,"end":900.29,"sentiment":"neutral","sentiment_score":0.001487815087395055},{"text":"Within the next the next two recommendations is to establish a will, and that's to ensure that your estate is distributed as per your wishes.","start":903.195,"end":916.415,"sentiment":"neutral","sentiment_score":0.15725788712501526},{"text":"If you do pass away without a will, it does create challenges for your family in relation to accessing assets and funds in a timely manner.","start":916.98,"end":927.24,"sentiment":"neutral","sentiment_score":-0.2564983032643795}],"sentiment":"neutral","sentiment_score":-0.10121602645287146,"num_words":130,"start":861.52,"end":927.24},{"sentences":[{"text":"So it is a very important document to have and also a power of attorney which allows someone trust...","start":928.1,"end":936.315,"sentiment":"neutral","sentiment_score":0.057533151421107744},{"text":"You get to nominate a trusted individual to make decisions on your behalf financially and from a health perspective if you're unable to do so, so it could be a physical or mental incapacity.","start":936.315,"end":949.33997,"sentiment":"neutral","sentiment_score":-0.0016659758985042572},{"text":"It could be that you're traveling overseas, for example, depending on how it's set up and someone needs to act on your behalf.","start":950.83997,"end":959.575,"sentiment":"neutral","sentiment_score":-0.043951958417892456},{"text":"So that's a pretty powerful document that you need to consider establishing also.","start":959.635,"end":964.535,"sentiment":"neutral","sentiment_score":0.30318667223820317},{"text":"Without it, it does limit how someone can take care of you should the worst happen.","start":964.995,"end":973.33,"sentiment":"neutral","sentiment_score":-0.26909827906638384}],"sentiment":"neutral","sentiment_score":-0.003224324505953562,"num_words":105,"start":928.1,"end":973.33},{"sentences":[{"text":"The ongoing services within the document, so nothing's changed.","start":975.39,"end":980.51,"sentiment":"neutral","sentiment_score":0.008992820564243529},{"text":"Your reviews, we still conduct your reviews, go through this entire process each year should it be necessary.","start":980.51,"end":989.065,"sentiment":"neutral","sentiment_score":0.059135533662305936},{"text":"And if anything changes in the meantime, you are 100% welcome to reach out for any further additional advice.","start":990.085,"end":996.98505,"sentiment":"positive","sentiment_score":0.5484660957988939},{"text":"And if it's in relation to superannuation and insurance, there's no additional cost.","start":998.82,"end":1003.46,"sentiment":"positive","sentiment_score":0.4111756132199214},{"text":"If it's new advice or, I don't know, setting up an investment plan, for example, there would be new fees which would be discussed, but may...","start":1003.46,"end":1012.295,"sentiment":"neutral","sentiment_score":0.12197181238577916}],"sentiment":"neutral","sentiment_score":0.23626801064785788,"num_words":85,"start":975.39,"end":1012.295},{"sentences":[{"text":"A a fair bit of the advice is covered under your current arrangement.","start":1012.995,"end":1017.25494,"sentiment":"neutral","sentiment_score":0.2357806127804976},{"text":"Just the last couple of important information pieces is the...","start":1021.475,"end":1031.0701,"sentiment":"neutral","sentiment_score":0.030324237048625947},{"text":"Sorry.","start":1031.0701,"end":1031.5701,"sentiment":"neutral","sentiment_score":-0.05664821341633797},{"text":"The remuneration.","start":1032.67,"end":1033.49,"sentiment":"neutral","sentiment_score":0.055592190474271774},{"text":"So your adviser service fee hasn't changed.","start":1035.55,"end":1038.4501,"sentiment":"neutral","sentiment_score":0.11136650400502342}],"sentiment":"neutral","sentiment_score":0.12734824340000298,"num_words":33,"start":1012.995,"end":1038.4501},{"sentences":[{"text":"It's so it's not a double up.","start":1038.51,"end":1040.4451,"sentiment":"neutral","sentiment_score":0.08405349510056633},{"text":"So your super fee that you signed off recently, that is included in this document.","start":1040.4451,"end":1046.285,"sentiment":"neutral","sentiment_score":0.23034271796544392},{"text":"It's not an additional fee.","start":1046.285,"end":1047.485,"sentiment":"neutral","sentiment_score":0.10905855596065521},{"text":"It's just that we have to disclose it again and the ongoing insurance premium.","start":1047.485,"end":1052.9401,"sentiment":"neutral","sentiment_score":0.10420998558402061},{"text":"So we do receive a commission from the insurance company for your insurance premiums being enforced, so that's there as well.","start":1052.9401,"end":1059.98,"sentiment":"neutral","sentiment_score":0.28077588904471623}],"sentiment":"neutral","sentiment_score":0.19264583037264885,"num_words":62,"start":1038.51,"end":1059.98},{"sentences":[{"text":"So there's no new fees.","start":1059.98,"end":1061.18,"sentiment":"neutral","sentiment_score":0.2395327717065811},{"text":"It's just confirmation of the existing remuneration that we receive.","start":1061.18,"end":1064.9601,"sentiment":"neutral","sentiment_score":0.2729049026966095},{"text":"The...","start":1067.975,"end":1068.475,"sentiment":"neutral","sentiment_score":0.029756072908639908},{"text":"There is a how to implement our advice.","start":1069.095,"end":1071.335,"sentiment":"neutral","sentiment_score":0.04030737979337573},{"text":"So you'll notice in there the changes with the insure...","start":1071.335,"end":1073.975,"sentiment":"neutral","sentiment_score":0.027173084020614625}],"sentiment":"neutral","sentiment_score":0.13384290696943507,"num_words":34,"start":1059.98,"end":1073.975},{"sentences":[{"text":"With the superannuation that we would do with the loan and the wills and powers of attorney.","start":1073.975,"end":1079.595,"sentiment":"neutral","sentiment_score":0.031103158260093015},{"text":"If you want to make any changes there, that would be...","start":1079.655,"end":1085.0,"sentiment":"neutral","sentiment_score":0.0048275312239473515},{"text":"There are instructions there on how to do it.","start":1085.54,"end":1087.96,"sentiment":"neutral","sentiment_score":0.02091963899632295},{"text":"The second last page is a...","start":1090.42,"end":1093.4,"sentiment":"neutral","sentiment_score":0.017881271584580343},{"text":"Is where you would sign to proceed with the advice, and you'll note that there is a blank document or a blank space just above where you would sign.","start":1094.74,"end":1103.805,"sentiment":"neutral","sentiment_score":0.005101795276177341}],"sentiment":"neutral","sentiment_score":0.014241291352340745,"num_words":72,"start":1073.975,"end":1103.805},{"sentences":[{"text":"And in that blank space, what we do ask is if there's any part of the document or the advice that you don't wanna wish to proceed with, that you write it in there.","start":1104.025,"end":1112.4401,"sentiment":"neutral","sentiment_score":-0.03263410301331211},{"text":"So for example, if you say...","start":1112.66,"end":1115.38,"sentiment":"neutral","sentiment_score":-0.012880269748469194},{"text":"You decide I'm not gonna repay the personal loan quicker, I'm just gonna let ride five years, just write that in there for me so I can update the records on our end, and I won't ask you the same questions next year.","start":1115.38,"end":1129.625,"sentiment":"neutral","sentiment_score":0.008360846314665884},{"text":"Yep.","start":1132.005,"end":1132.505,"sentiment":"neutral","sentiment_score":0.030286382883787155},{"text":"The last document...","start":1133.605,"end":1134.665,"sentiment":"neutral","sentiment_score":0.003193942209084829}],"sentiment":"neutral","sentiment_score":-0.00905122436668681,"num_words":87,"start":1104.025,"end":1134.665},{"sentences":[{"text":"The last page is our adviser declaration.","start":1135.205,"end":1137.305,"sentiment":"neutral","sentiment_score":0.010280349690999304},{"text":"So that's just me saying that I've given you a copy of the financial services guide, that this statement advice is an accurate and complete record of the recommendations I've given you.","start":1137.4451,"end":1146.72,"sentiment":"positive","sentiment_score":0.3746750373393297},{"text":"Make sure that you give...","start":1148.22,"end":1151.295,"sentiment":"neutral","sentiment_score":0.10529358088970184},{"text":"That I'm giving you the opportunity to read, consider, and understand the SOA.","start":1151.375,"end":1155.055,"sentiment":"neutral","sentiment_score":0.19796388653608468},{"text":"So please do read this.","start":1155.055,"end":1156.675,"sentiment":"neutral","sentiment_score":0.1567847192287445}],"sentiment":"neutral","sentiment_score":0.25718525271382064,"num_words":62,"start":1135.205,"end":1156.675},{"sentences":[{"text":"Reach back out to me with any questions if you have any before signing this or if anything has significantly changed that's in this document that that should be addressed.","start":1157.375,"end":1167.72,"sentiment":"neutral","sentiment_score":0.03711684991916021},{"text":"And then the final document within the pack, there's only the two, is the appendix.","start":1169.86,"end":1174.12,"sentiment":"neutral","sentiment_score":0.11604029685258865},{"text":"It's a information piece that we include, and in there, it shows you the different types of risk profiles.","start":1175.2999,"end":1183.605,"sentiment":"neutral","sentiment_score":0.13910924682491704},{"text":"It explains some important information such as the contents of the SOA.","start":1184.3049,"end":1189.0449,"sentiment":"neutral","sentiment_score":0.16140525291363397},{"text":"So I've taken all reasonable steps to ensure that the information is accurate based on the information you've provided provided to me.","start":1189.105,"end":1198.03,"sentiment":"neutral","sentiment_score":0.3070945895530961}],"sentiment":"neutral","sentiment_score":0.14479724127723245,"num_words":98,"start":1157.375,"end":1198.03},{"sentences":[{"text":"The SOA itself is valid for sixty days from the date of the SOA, and that's simply due to client's situations can change in a short period of time.","start":1198.73,"end":1212.125,"sentiment":"neutral","sentiment_score":0.07106088217476318},{"text":"So we do put a limitation on this in...","start":1212.185,"end":1215.245,"sentiment":"neutral","sentiment_score":-0.09765637500418557},{"text":"Or most licensees do, to be honest with you.","start":1215.8651,"end":1218.3651,"sentiment":"neutral","sentiment_score":-0.11268982456790076},{"text":"But sixty days, if if the document isn't signed before then and we need to...","start":1219.0651,"end":1224.42,"sentiment":"neutral","sentiment_score":-0.10866504907608032},{"text":"And we still wanna make these changes, we just have to start the process again, which isn't a bad thing.","start":1224.42,"end":1228.9,"sentiment":"neutral","sentiment_score":-0.019960970804095268}],"sentiment":"neutral","sentiment_score":-0.022701772747606767,"num_words":82,"start":1198.73,"end":1228.9},{"sentences":[{"text":"It's just to make sure that the the advice is still appropriate and current.","start":1228.9,"end":1233.4,"sentiment":"neutral","sentiment_score":0.07492647027330739},{"text":"No product guarantee.","start":1236.5751,"end":1237.775,"sentiment":"neutral","sentiment_score":-0.25144017736117047},{"text":"So, again, those warnings are all throughout there.","start":1237.775,"end":1240.1951,"sentiment":"neutral","sentiment_score":-0.16609422490000725},{"text":"Can't guarantee that it's going to perform better than what you currently have.","start":1240.8151,"end":1247.0751,"sentiment":"neutral","sentiment_score":-0.036414348448698335},{"text":"And there are also some links to the recommended underlying investments that I've met...","start":1247.79,"end":1252.91,"sentiment":"neutral","sentiment_score":0.06846108633492674}],"sentiment":"neutral","sentiment_score":-0.010558366703872498,"num_words":52,"start":1228.9,"end":1252.91},{"sentences":[{"text":"I've recommended within your superannuation fund.","start":1252.91,"end":1256.29,"sentiment":"neutral","sentiment_score":0.06992515176534653},{"text":"And lastly, there's two little bits of information.","start":1257.39,"end":1261.135,"sentiment":"neutral","sentiment_score":0.06223559193313122},{"text":"There's an an information piece on the investment return methodology on how we calculate those.","start":1261.195,"end":1266.475,"sentiment":"neutral","sentiment_score":0.08610292424758276},{"text":"Just for your information, they are conservative in nature and some information on life insurance held through super.","start":1266.475,"end":1274.58,"sentiment":"neutral","sentiment_score":0.11559885616103809},{"text":"So that's your life, keep it in income protection, and how that is paid and taxed.","start":1274.58,"end":1279.7,"sentiment":"neutral","sentiment_score":0.14662755373865366}],"sentiment":"neutral","sentiment_score":0.1053301552458415,"num_words":63,"start":1252.91,"end":1279.7},{"sentences":[{"text":"So it's just general information.","start":1279.7,"end":1281.4,"sentiment":"neutral","sentiment_score":0.102309450507164},{"text":"And that is the advice presentation.","start":1283.14,"end":1285.64,"sentiment":"neutral","sentiment_score":0.07962858863174915},{"text":"Do you have any questions?","start":1285.86,"end":1287.32,"sentiment":"neutral","sentiment_score":0.031157039850950242},{"text":"No?","start":1290.8651,"end":1291.3651,"sentiment":"neutral","sentiment_score":-0.13955846428871155},{"text":"Okay.","start":1291.425,"end":1291.8251,"sentiment":"neutral","sentiment_score":0.014696899801492693}],"sentiment":"neutral","sentiment_score":0.056680134394102626,"num_words":18,"start":1279.7,"end":1291.8251},{"sentences":[{"text":"Well, please take the time to have a read of that.","start":1291.8251,"end":1294.4851,"sentiment":"neutral","sentiment_score":0.12357000261545181},{"text":"Again, reach out to me if you have any questions.","start":1295.1051,"end":1298.005,"sentiment":"neutral","sentiment_score":0.12308603152632713},{"text":"And when you're happy to proceed, if you can sign that that document and return to me with...","start":1299.185,"end":1307.48,"sentiment":"neutral","sentiment_score":0.08417709896134005},{"text":"Or you just follow the process similar to the review, but ensure you type in anything in there that you don't wish to proceed with so I won't annoy you continuously with questions.","start":1307.48,"end":1316.46,"sentiment":"neutral","sentiment_score":-0.09824877999948733},{"text":"Wonderful.","start":1319.545,"end":1320.045,"sentiment":"positive","sentiment_score":0.7834954261779785}],"sentiment":"neutral","sentiment_score":0.022556216596332314,"num_words":73,"start":1291.8251,"end":1320.045},{"sentences":[{"text":"Well, thanks, Sean.","start":1320.105,"end":1321.085,"sentiment":"positive","sentiment_score":0.727772573630015},{"text":"Happy reading, and stay safe, and I'll speak to you soon.","start":1322.025,"end":1325.565,"sentiment":"positive","sentiment_score":0.7076258063316345},{"text":"You're welcome.","start":1327.945,"end":1328.765,"sentiment":"positive","sentiment_score":0.7224785387516022},{"text":"Enjoy your 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Yeah. Good. Hell yeah. Yep. That's fine. No. No. That's alright. I'm on answering anyway. 078925. Yep. Yep. Yeah. Yep. K. Yep. Okay. Yep. Yep. Yep. Okay. Okay. Yeah. Yep. Yep. Okay. Yep. Yep. Yes. Yep. Yep. Okay. Yep. Yep. Mhmm. Okay. Yep. No. No. That's all pretty clear. Yep. Perfect. Yep. Mhmm. Yep. Yep. Yeah. Okay. Yeah. Yep. Yep. Yeah. Yep. Yeah. Understood. Yep. Yes. Yep. Yep. Yep. Yeah. Yes. Okay. Good. Yep. Yeah. Okay. K. Yeah. Okay. Gotcha. Yep. Okay. Yep. Yeah. Makes sense. Yep. Okay. Perfect. Now I'm not at this stage. Okay. Perfect. Thanks for doing all that. Thank you. You too. 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that.","start":1326.145,"end":1327.505,"sentiment":"positive","sentiment_score":0.8272645831108093},{"text":"Thank you.","start":1327.505,"end":1328.1649,"sentiment":"positive","sentiment_score":0.7919020056724548}],"sentiment":"positive","sentiment_score":0.3859507292509079,"num_words":15,"start":1288.63,"end":1328.1649},{"sentences":[{"text":"You too.","start":1330.3049,"end":1330.865,"sentiment":"positive","sentiment_score":0.5387285351753235},{"text":"Bye.","start":1330.865,"end":1331.365,"sentiment":"neutral","sentiment_score":0.3303505480289459}],"sentiment":"positive","sentiment_score":0.46926920612653095,"num_words":3,"start":1330.3049,"end":1331.365}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Sean. It's Jenna here phoning from Oakview Financial. How are you today?\n\nChannel 1: Yeah. Good. Hell yeah.\n\nChannel 0: I'm good. Thank you. Just before I do go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Lovely. I can hear that you're driving. Did you want me to phone you back at a different time, or are you okay?\n\nChannel 1: No. No. That's alright. I'm on answering anyway.\n\nChannel 0: Okay. Lovely. Sean, can I please ask that you confirm your client password, please?\n\nChannel 1: 078925.\n\nChannel 0: Thank you for that. Thank you. Okay. You would have received probably in the last ten minutes or so an email from me that contains the advice document. Given you're driving, what I'm going to do is I'm gonna talk through that advice document verbally with you\n\nChannel 1: Yep.\n\nChannel 0: and ask that you review that post our call and complete anything that is necessary should you wish to proceed. Is that okay?\n\nChannel 1: Yep.\n\nChannel 0: Lovely. Alright. The document... There's two documents. There's a statement of advice and then a...\n\nAnd an appendix to that statement of advice contained in that email. The cover page just simply outlines that I'm the one providing you advice and who I'm licensed through. Now when we do provide advice, we adhere to our... We have a best interest duty, which means that we need to identify the client's personal and financial situation and address your needs as an individual and ensure that any recommendation is appropriate for your circumstances. And we always need to put the best interest of you first.\n\nSo that's\n\nChannel 1: Yeah.\n\nChannel 0: how we provide advice. So\n\nChannel 1: Yep.\n\nChannel 0: this advice document covers several goals. The first one being the superannuation, ensuring that you have sufficient funds to support yourself and family in retirement. We have reviewed those underlying investments that we talked about in our recent review and made some recommendations to change your portfolio.\n\nChannel 1: K.\n\nChannel 0: Additionally, in this advice document is information for you to consider in relation to repayment of your personal loan within three... A three year time period. And then once that is paid off, information for you to then look at repaying your mortgage in a fifteen year time period. So that is information for you to consider. The recommendation is based on your goals and objectives.\n\nWhether you decide to follow through with those, entirely up to you. It's the information just to help you achieve those should you wish to.\n\nChannel 1: Yep.\n\nChannel 0: And then also in the document is a recommendation to ensure that you establish wills and powers of attorney.\n\nChannel 1: Okay. Yep.\n\nChannel 0: What what what we're not covering is anything in relation to your insurance or what we're not providing advice in is relation to anything including your insurances. As you said that you're happy with your existing life, capitated income protection, and you're not interested in exploring trauma insurance. Is that still\n\nChannel 1: Yep.\n\nChannel 0: correct?\n\nChannel 1: Yep.\n\nChannel 0: Lovely. And then, additionally, your retirement goals aren't included in this advice document given that it's twenty four twenty four years away... Years away. Any strategies for retirement aren't applicable at the moment. We're just focusing on making sure your superannuation is invested in line with your risk profile and the investments are appropriate to help you reach those goals.\n\nChannel 1: Okay.\n\nChannel 0: Legally, I just need to tell you I'm not a legal practitioner. I can't assist or produce wills and powers of attorney. A lawyer needs to do that for you, and I'm not authorized to provide advice in general insurance products like home and motor insurance, etcetera.\n\nChannel 1: Okay.\n\nChannel 0: I can provide tax based on financial advice taxation rules, but I can't provide generalized tax return, you know, or tax accounting advice.\n\nChannel 1: Yeah.\n\nChannel 0: Within the document, you'll see there's an about you section. This includes your personal information, assets and liabilities, and your current super and insurances, and that's based on the information we confirmed in your recent review. And also your gross risk profile where we discussed the eighty twenty split to growth assets and defensive assets and that you were comfortable to maintain that approach to investing.\n\nChannel 1: Yep.\n\nChannel 0: From about page 14 onwards, this is of the document. This is where the actual recommendations are. What I've recommended is that we actually reviewed all of the underlying investments within your portfolio and make some some strategic changes to the investments. It... I have made that based on based on the underperforming funds and the phasing out of the hybrids, but the recommended portfolio is lower cost.\n\nSo you're gonna save on investment fees, which is less likely to erode your super balance over time. And, historically, the longer term growth of this portfolio is better. And so based on historical performance, I think that this this portfolio will help you achieve your goals for retirement. Now the trade off is is that when we make those investment changes, the super fund itself, so not you personally, will incur a capital gains tax of approximately a 199, and that's deducted from the super balance, and that's a one off. So what that mean...\n\nSo you... Do you understand what capital gains is? Most people do, capital gains tax? Yep. Are you alright?\n\nOkay. So... Yes. So the fund will incur that. And what I've considered for that in relation to offsetting that is that you are gonna have a $343 fee saving overall.\n\nSo that has paid for itself already, the capital\n\nChannel 1: Yep.\n\nChannel 0: gains, and you're gonna have a more diversified portfolio.\n\nChannel 1: Okay. Yep.\n\nChannel 0: The risks are always when we're just transferring investment assets is that, you know, when you're out of the market for a tiny bit of time or investments which is occurring, The market still does continue, so there is still a possibility of missing out on possible growth while that happens.\n\nChannel 1: Yep.\n\nChannel 0: And we obviously can't guarantee that the recommended investments are gonna be perform better than you currently have. It's just that the portfolio itself is just structured differently.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Did consider another platform for you to look at instead of hub. It was discounted mainly because you would actually have a capital gains event of about $1,800 to do this. That's\n\nChannel 1: Yep.\n\nChannel 0: not gonna place you in a better financial position, and so that was discounted.\n\nChannel 1: Okay.\n\nChannel 0: Essentially, as I mentioned before, you're gonna save about $343 a year in fees. The difference in so the five year rolling average return on your current portfolio sits at about 8.37%. On the recommended portfolio, it sits at 11.12%. So we... There's a 2.75% difference there just based on how the portfolio is constructed, and that's based on a five year rolling average.\n\nSo by making the changes, we project it. And, again, projections are simply that projection. So\n\nChannel 1: Yep.\n\nChannel 0: they are conservative, but we do like to make sure. So in five years, based on the current versus the recommended portfolio, we expect the difference to be an increase of about $26,500, and in ten\n\nChannel 1: Yep.\n\nChannel 0: years, about $80,000 rounded up. The... There is a table on page 19 of the document that shows you what we are removing from your portfolio to\n\nChannel 1: Mhmm.\n\nChannel 0: be invested in, and they're all highlighted in red. Some you'll note has a balance afterwards. So the beta share cyber security, for example, we're withdrawing 5,000 odd dollars from that. You'll still have 6,000 remaining in that investment. That means we're just rebalancing the portfolio.\n\nSo instead of having 9.33% allocated, we're gonna reduce you back down to the desired 5% to make sure that you're not overweighted in that asset in line with your risk profile.\n\nChannel 1: Okay.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Any questions so far?\n\nChannel 1: No. No. That's all pretty clear.\n\nChannel 0: No? Fantastic. Following that page is the asset allocation. So that is, it will just show you the breakdown of how you're invested across the different sectors. So Australian equities, you're gonna have approximately 20% allocation, international equities, 55%, alternative growth, about 10%.\n\nSo you're gonna have about 85% exposure to growth assets with the remaining 15% on your defensive. So you are a little bit higher gross wise by 5%. It's within the variable tolerance that we set, so we're comfortable with that to help you reach those those retirement... Future retirement goals and objectives and get those returns going for you.\n\nChannel 1: Yep. Perfect.\n\nChannel 0: The next part of that document is the personal loan. So we did talk about reducing the personal loan to a new balance in a three year period.\n\nChannel 1: Yep.\n\nChannel 0: What... You're currently paying $820 a month.\n\nChannel 1: Mhmm.\n\nChannel 0: What I have looked at is your $500 a month that you save. I've looked at putting that towards the repayment of your personal loan, which would mean it would increase to $1,320 per month. What that would do is would see you repay the loan in three years and one month as opposed to five years and six months based on current interest rates and, you know, the variables. So this is very open to change depending on what the interest rates are and everything.\n\nChannel 1: Yep.\n\nChannel 0: The downside is is that... Well, the upside is, first of all, that you're gonna save approximately $5,382 in interest by making those additional repayments.\n\nChannel 1: Yep.\n\nChannel 0: The downside is is that you're going to not have your $500 a month savings. And over that thirty seven months, which is three years and one month one month. Sorry. You would have saved 18,500, assuming that you did have a strict savings plan of $500 a month. So you are gonna save on a interest, not the same amount that you would save by saving the funds in your bank account, which is a disadvantage that needs to be considered.\n\nBut it does meet your goal of repaying the personal loan in a three year period or three years and one month.\n\nChannel 1: Yeah. Okay. Yeah.\n\nChannel 0: The next part is the home loan. So in here, I've given you two options for your consideration. After the personal loan is repaid, what we have done is we've modeled using that same amount, the 1,320 per month. So what you would have put towards the personal loan and that same 500 of savings and\n\nChannel 1: Yep.\n\nChannel 0: increase that mortgage repayment. What that will do is reduce your home loan down to sixteen years and eight months, and you'll save approximately $223,294 in interest comparing to twenty five\n\nChannel 1: Yep.\n\nChannel 0: years.\n\nChannel 1: Yeah.\n\nChannel 0: And to actually reach the goal of fifteen years, you would actually need to... In... You'd have to find another $530 per month on top of that 1,320, which is 1,850 per month, and that would say you pay down the home loan in fourteen years and eleven months, saving you $266,000 in interest. So the information is there for you to consider and implement yourself if you\n\nChannel 1: Yep.\n\nChannel 0: do want to work towards those goals. So there's nothing that we need to do on our end. It's more information for you to... If you if you do wanna do that.\n\nChannel 1: Yeah. Understood.\n\nChannel 0: Okay? The the risks are, you know... Well, not the risks, but the disadvantages and the things to take into consideration is over time, things can change, like jobs change, unexpected expenses, interest rate increases, which can all affect the outcome of of those goals. So, again, bear in mind they are projections based on current interest rates. So\n\nChannel 1: Yep.\n\nChannel 0: should interest rates increase, you know, repayments would need to, but, additionally, should they decrease the the repayment of the loan would be quicker also as well.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Within the next the next two recommendations is to establish a will, and that's to ensure that your estate is distributed as per your wishes. If\n\nChannel 1: Yep.\n\nChannel 0: you do pass away without a will, it does create challenges for your family in relation to accessing assets and funds in a timely manner. So it is a very important document to have and also a power of attorney which allows someone trust... You get to nominate a trusted individual to make decisions on your behalf financially and from a health perspective if you're unable to do so, so it could be a physical or mental incapacity. It could be that you're traveling overseas, for example, depending on how it's set up and someone needs to act on your behalf. So that's a pretty powerful document that you need to consider establishing also.\n\nWithout it, it does limit how someone can take care of you\n\nChannel 1: Yep. Yeah.\n\nChannel 0: should the worst happen.\n\nChannel 1: Yes.\n\nChannel 0: The ongoing services within the document, so nothing's changed. Your reviews, we still conduct your reviews, go through this entire process each year should it be necessary. And if anything changes in the meantime, you are 100% welcome to reach out for any further additional advice. And if it's in relation to superannuation and insurance, there's no additional cost. If it's new advice or, I don't know, setting up an investment plan, for example, there would be new fees which would be discussed, but may...\n\nA a fair bit of the advice is covered under your current arrangement.\n\nChannel 1: Okay.\n\nChannel 0: Just the last couple of important information pieces is the... Sorry. The\n\nChannel 1: Good.\n\nChannel 0: remuneration.\n\nChannel 1: Yep.\n\nChannel 0: So your adviser service fee hasn't changed. It's so it's not a double up. So your super fee that you signed off recently, that is included in this document. It's not an additional fee. It's just that we have to disclose it again and\n\nChannel 1: Yeah.\n\nChannel 0: the ongoing insurance premium. So we do receive a commission from the insurance company for your insurance premiums being enforced, so that's there as well. So there's no new fees. It's just confirmation of the existing remuneration that we receive.\n\nChannel 1: Okay.\n\nChannel 0: The... There is a how to implement our advice. So you'll notice in there the changes with the insure... With the superannuation that we would do with the loan and the wills and powers of attorney. If you want to make any changes there, that would be...\n\nThere are instructions there on how to do it.\n\nChannel 1: K.\n\nChannel 0: The second last page is a... Is where you would sign to proceed with the advice, and you'll note that there is a blank document or a blank space just above where you would sign. And in that blank space, what we do ask is if there's any part of the document or the advice that you don't wanna wish to proceed with, that you write it in there. So for example, if you say... You decide I'm not gonna repay the personal loan quicker, I'm just gonna let ride five years, just write that in there for me so I can update the records on our end, and I won't ask you the same questions next year.\n\nChannel 1: Yeah. Okay. Gotcha. Yep.\n\nChannel 0: Yep. The last document... The last page is our adviser declaration. So that's just me saying that I've given you a copy of the financial services guide, that this statement advice is an accurate and complete record of the recommendations I've given you. Make sure that you give...\n\nThat I'm giving you the opportunity to read, consider, and understand the SOA. So please do read this. Reach back out to me with any questions if you have any before signing this or if anything has significantly changed that's in this document that that should be addressed.\n\nChannel 1: Okay.\n\nChannel 0: And then the final document within the pack, there's only the two, is the appendix. It's a information piece that we include, and in there, it shows you the different types of risk profiles. It explains some important information such as the contents of the SOA. So I've taken all reasonable steps to ensure that the information is accurate based on the information you've provided provided to me. The SOA itself is valid for sixty days from the date of the SOA, and that's simply due to client's situations can change in a short period of time.\n\nSo we do put a limitation on this in... Or most licensees do, to be honest with you.\n\nChannel 1: Yep.\n\nChannel 0: But sixty days, if if the document isn't signed before then and we need to... And we still wanna make these changes, we just have to start the process again, which isn't a bad thing. It's just to make sure that the the advice is still appropriate and current.\n\nChannel 1: Yeah. Makes sense.\n\nChannel 0: No product guarantee. So, again, those warnings are all throughout there. Can't guarantee that it's going\n\nChannel 1: Yep.\n\nChannel 0: to perform better than what you currently have. And there are also some links to the recommended underlying investments that I've met... I've recommended within your superannuation fund.\n\nChannel 1: Okay.\n\nChannel 0: And lastly, there's two little bits of information. There's an an information piece on the investment return methodology on how we calculate those. Just for your information, they are conservative in nature and some information on life insurance held through super. So that's your life, keep it in income protection, and how that is paid and taxed. So it's just general information.\n\nAnd that is the advice presentation. Do you have any questions?\n\nChannel 1: Perfect. Now I'm not at this stage.\n\nChannel 0: No? Okay. Well, please take the time to have a read of that. Again, reach out to me if you have any questions. And when you're happy to proceed, if you can sign that that document and return to me with...\n\nOr you just follow the process similar to the review, but ensure you type in anything in there that you don't wish to proceed with so I won't annoy you continuously with questions.\n\nChannel 1: Okay. Perfect.\n\nChannel 0: Wonderful. Well, thanks, Sean. Happy reading, and stay safe, and I'll speak to you soon.\n\nChannel 1: Thanks for doing all that. Thank you.\n\nChannel 0: You're welcome. Enjoy your day.\n\nChannel 1: You too. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.0,"end":0.5,"sentiment":"neutral","sentiment_score":0.03414153680205345}],"sentiment":"neutral","sentiment_score":0.03414153680205345,"channel":1,"num_words":1,"start":0.0,"end":0.5},{"sentences":[{"text":"Hi, Sean.","start":2.96,"end":3.6,"sentiment":"neutral","sentiment_score":0.18583746254444122},{"text":"It's Jenna here phoning from Oakview Financial.","start":3.6,"end":6.16,"sentiment":"neutral","sentiment_score":0.1979819600071226},{"text":"How are you today?","start":6.16,"end":7.14,"sentiment":"neutral","sentiment_score":0.29386625438928604}],"sentiment":"neutral","sentiment_score":0.22561643559199113,"channel":0,"num_words":13,"start":2.96,"end":7.14},{"sentences":[{"text":"Yeah.","start":7.52,"end":7.8399997,"sentiment":"neutral","sentiment_score":0.2713696360588074},{"text":"Good.","start":7.8399997,"end":8.16,"sentiment":"positive","sentiment_score":0.5216128826141357},{"text":"Hell yeah.","start":8.16,"end":8.9,"sentiment":"positive","sentiment_score":0.4553499221801758}],"sentiment":"positive","sentiment_score":0.42592059075832367,"channel":1,"num_words":4,"start":7.52,"end":8.9},{"sentences":[{"text":"I'm good.","start":9.36,"end":9.92,"sentiment":"positive","sentiment_score":0.6571502685546875},{"text":"Thank you.","start":9.92,"end":10.48,"sentiment":"positive","sentiment_score":0.6804451644420624},{"text":"Just before I do go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":10.48,"end":15.735001,"sentiment":"neutral","sentiment_score":0.04063600425918897},{"text":"Is that okay?","start":15.735001,"end":16.795,"sentiment":"neutral","sentiment_score":0.05292737608154615}],"sentiment":"neutral","sentiment_score":0.12287861601479592,"channel":0,"num_words":31,"start":9.36,"end":16.795},{"sentences":[{"text":"Yep.","start":17.255,"end":17.575,"sentiment":"neutral","sentiment_score":0.07817496359348297},{"text":"That's fine.","start":17.575,"end":18.315,"sentiment":"neutral","sentiment_score":0.2228841334581375}],"sentiment":"neutral","sentiment_score":0.17464774350325266,"channel":1,"num_words":3,"start":17.255,"end":18.315},{"sentences":[{"text":"Lovely.","start":19.175,"end":19.675,"sentiment":"positive","sentiment_score":0.45297062397003174},{"text":"I can hear that you're driving.","start":20.375,"end":22.695,"sentiment":"neutral","sentiment_score":0.211321622133255},{"text":"Did you want me to phone you back at a different time, or are you okay?","start":22.695,"end":26.154999,"sentiment":"neutral","sentiment_score":0.03092367434874177}],"sentiment":"neutral","sentiment_score":0.09633387592823608,"channel":0,"num_words":23,"start":19.175,"end":26.154999},{"sentences":[{"text":"No.","start":26.535,"end":26.695,"sentiment":"neutral","sentiment_score":-0.1508384644985199},{"text":"No.","start":26.695,"end":26.855,"sentiment":"neutral","sentiment_score":-0.16321173310279846},{"text":"That's alright.","start":26.855,"end":27.415,"sentiment":"neutral","sentiment_score":-0.1148776262998581},{"text":"I'm on answering anyway.","start":27.415,"end":28.715,"sentiment":"neutral","sentiment_score":-0.06095224618911743}],"sentiment":"neutral","sentiment_score":-0.09845180436968803,"channel":1,"num_words":8,"start":26.535,"end":28.715},{"sentences":[{"text":"Okay.","start":29.619999,"end":30.019999,"sentiment":"neutral","sentiment_score":0.0761805847287178},{"text":"Lovely.","start":30.019999,"end":30.519999,"sentiment":"neutral","sentiment_score":0.1525463908910751},{"text":"Sean, can I please ask that you confirm your client password, please?","start":31.859999,"end":37.72,"sentiment":"neutral","sentiment_score":0.05535327550023794}],"sentiment":"neutral","sentiment_score":0.06378330583018917,"channel":0,"num_words":14,"start":29.619999,"end":37.72},{"sentences":[{"text":"078925.","start":38.739998,"end":40.84,"sentiment":"neutral","sentiment_score":0.03163439407944679}],"sentiment":"neutral","sentiment_score":0.03163439407944679,"channel":1,"num_words":1,"start":38.739998,"end":40.84},{"sentences":[{"text":"Thank you for that.","start":41.46,"end":42.66,"sentiment":"positive","sentiment_score":0.4468489810824394},{"text":"Thank you.","start":42.66,"end":43.399998,"sentiment":"positive","sentiment_score":0.43704815208911896},{"text":"Okay.","start":43.699997,"end":44.199997,"sentiment":"neutral","sentiment_score":0.09738698601722716},{"text":"You would have received probably in the last ten minutes or so an email from me that contains the advice document.","start":45.115,"end":50.655,"sentiment":"neutral","sentiment_score":0.012392664683007058},{"text":"Given you're driving, what I'm going to do is I'm gonna talk through that advice document verbally with you","start":51.115,"end":57.375,"sentiment":"neutral","sentiment_score":0.026524568711848634}],"sentiment":"neutral","sentiment_score":0.07495940379560628,"channel":0,"num_words":47,"start":41.46,"end":57.375},{"sentences":[{"text":"Yep.","start":57.645,"end":58.145,"sentiment":"neutral","sentiment_score":0.047242261469364166}],"sentiment":"neutral","sentiment_score":0.047242261469364166,"channel":1,"num_words":1,"start":57.645,"end":58.145},{"sentences":[{"text":"and ask that you review that post our call and complete anything that is necessary should you wish to proceed.","start":57.82,"end":66.72,"sentiment":"neutral","sentiment_score":0.0365483732894063},{"text":"Is that okay?","start":66.86,"end":67.759995,"sentiment":"neutral","sentiment_score":0.051833452035983406}],"sentiment":"neutral","sentiment_score":0.03854207921287288,"channel":0,"num_words":23,"start":57.82,"end":67.759995},{"sentences":[{"text":"Yep.","start":67.46,"end":67.96,"sentiment":"neutral","sentiment_score":0.06228983402252197}],"sentiment":"neutral","sentiment_score":0.06228983402252197,"channel":1,"num_words":1,"start":67.46,"end":67.96},{"sentences":[{"text":"Lovely.","start":69.5,"end":70.0,"sentiment":"neutral","sentiment_score":0.1326394081115723},{"text":"Alright.","start":70.424995,"end":70.924995,"sentiment":"neutral","sentiment_score":0.06094837188720703},{"text":"The document...","start":71.384995,"end":72.284996,"sentiment":"neutral","sentiment_score":0.021025323309004307},{"text":"There's two documents.","start":72.345,"end":73.305,"sentiment":"neutral","sentiment_score":-0.019181601082285244},{"text":"There's a statement of advice and then a...","start":73.305,"end":75.225,"sentiment":"neutral","sentiment_score":-0.009545484324917197}],"sentiment":"neutral","sentiment_score":0.006781983251372975,"channel":0,"num_words":15,"start":69.5,"end":75.225},{"sentences":[{"text":"And an appendix to that statement of advice contained in that email.","start":75.225,"end":79.085,"sentiment":"neutral","sentiment_score":0.0007396177388727662},{"text":"The cover page just simply outlines that I'm the one providing you advice and who I'm licensed through.","start":79.545,"end":86.88,"sentiment":"neutral","sentiment_score":0.011486149599982632},{"text":"Now when we do provide advice, we adhere to our...","start":87.340004,"end":91.82,"sentiment":"neutral","sentiment_score":-0.005427463445812464},{"text":"We have a best interest duty, which means that we need to identify the client's personal and financial situation and address your needs as an individual and ensure that any recommendation is appropriate for your circumstances.","start":91.82,"end":106.175,"sentiment":"neutral","sentiment_score":-0.0019470211894561846},{"text":"And we always need to put the best interest of you first.","start":108.315,"end":112.73,"sentiment":"neutral","sentiment_score":0.05474756502856811}],"sentiment":"neutral","sentiment_score":0.008502607826482166,"channel":0,"num_words":88,"start":75.225,"end":112.73},{"sentences":[{"text":"So that's","start":113.19,"end":113.91,"sentiment":"neutral","sentiment_score":0.02402083296328783}],"sentiment":"neutral","sentiment_score":0.02402083296328783,"channel":0,"num_words":2,"start":113.19,"end":113.91},{"sentences":[{"text":"Yeah.","start":113.5,"end":114.0,"sentiment":"neutral","sentiment_score":0.03385535627603531}],"sentiment":"neutral","sentiment_score":0.03385535627603531,"channel":1,"num_words":1,"start":113.5,"end":114.0},{"sentences":[{"text":"how we provide advice.","start":113.91,"end":115.53,"sentiment":"neutral","sentiment_score":0.042330739088356495},{"text":"So","start":115.99,"end":116.49,"sentiment":"neutral","sentiment_score":0.05425381287932396}],"sentiment":"neutral","sentiment_score":0.04471535384654999,"channel":0,"num_words":5,"start":113.91,"end":116.49},{"sentences":[{"text":"Yep.","start":116.06,"end":116.56,"sentiment":"neutral","sentiment_score":0.07199017703533173}],"sentiment":"neutral","sentiment_score":0.07199017703533173,"channel":1,"num_words":1,"start":116.06,"end":116.56},{"sentences":[{"text":"this advice document covers several goals.","start":118.87,"end":122.090004,"sentiment":"neutral","sentiment_score":0.055591018249591194},{"text":"The first one being the superannuation, ensuring that you have sufficient funds to support yourself and family in retirement.","start":122.55,"end":128.465,"sentiment":"neutral","sentiment_score":0.10120616480708122},{"text":"We have reviewed those underlying investments that we 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to.","start":172.76999,"end":175.90999,"sentiment":"positive","sentiment_score":0.41181148244784427}],"sentiment":"positive","sentiment_score":0.37346256375312803,"channel":0,"num_words":25,"start":169.09,"end":175.90999},{"sentences":[{"text":"Yep.","start":176.22,"end":176.72,"sentiment":"neutral","sentiment_score":0.14440064132213593}],"sentiment":"neutral","sentiment_score":0.14440064132213593,"channel":1,"num_words":1,"start":176.22,"end":176.72},{"sentences":[{"text":"And then also in the document is a recommendation to ensure that you establish wills and powers of 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portfolio and make some some strategic changes to the investments.","start":304.77,"end":315.99,"sentiment":"neutral","sentiment_score":0.17954107716679574},{"text":"It...","start":318.115,"end":318.355,"sentiment":"neutral","sentiment_score":0.1584479808807373},{"text":"I have made that based on based on the underperforming funds and the phasing out of the hybrids, but the recommended portfolio is lower cost.","start":318.355,"end":328.995,"sentiment":"neutral","sentiment_score":0.23327662229537963}],"sentiment":"neutral","sentiment_score":0.16506630894454086,"channel":0,"num_words":68,"start":297.45502,"end":328.995},{"sentences":[{"text":"So you're gonna save on investment fees, which is less likely to erode your super balance over time.","start":328.995,"end":335.44,"sentiment":"positive","sentiment_score":0.39562363881203866},{"text":"And, historically, the longer term growth of this portfolio is 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you...","start":380.605,"end":381.725,"sentiment":"neutral","sentiment_score":-0.011811681091785431},{"text":"Do you understand what capital gains is?","start":381.725,"end":383.645,"sentiment":"neutral","sentiment_score":-0.05909853747912815},{"text":"Most people do, capital gains tax?","start":383.645,"end":386.225,"sentiment":"neutral","sentiment_score":-0.061653437092900276},{"text":"Yep.","start":386.845,"end":387.345,"sentiment":"neutral","sentiment_score":-0.005395365413278341},{"text":"Are you alright?","start":388.76498,"end":389.585,"sentiment":"neutral","sentiment_score":-0.01656914238507549}],"sentiment":"neutral","sentiment_score":-0.04538613366649339,"channel":0,"num_words":19,"start":380.605,"end":389.585},{"sentences":[{"text":"Okay.","start":393.67,"end":394.17,"sentiment":"neutral","sentiment_score":-0.005632349289953709},{"text":"So...","start":395.67,"end":396.17,"sentiment":"neutral","sentiment_score":0.0008851969614624977},{"text":"Yes.","start":396.23,"end":396.55002,"sentiment":"neutral","sentiment_score":0.05755126103758812},{"text":"So the fund will incur that.","start":396.55002,"end":398.33002,"sentiment":"neutral","sentiment_score":0.05539594156046709},{"text":"And what I've considered for that in relation to offsetting that is that you are gonna have a $343 fee saving overall.","start":399.03,"end":408.585,"sentiment":"neutral","sentiment_score":0.18406661328944293}],"sentiment":"neutral","sentiment_score":0.14305307259482722,"channel":0,"num_words":31,"start":393.67,"end":408.585},{"sentences":[{"text":"So that has paid for itself already, the capital","start":408.725,"end":412.085,"sentiment":"positive","sentiment_score":0.4093940920299954}],"sentiment":"positive","sentiment_score":0.4093940920299954,"channel":0,"num_words":9,"start":408.725,"end":412.085},{"sentences":[{"text":"Yep.","start":411.79498,"end":412.29498,"sentiment":"neutral","sentiment_score":0.2738514542579651}],"sentiment":"neutral","sentiment_score":0.2738514542579651,"channel":1,"num_words":1,"start":411.79498,"end":412.29498},{"sentences":[{"text":"gains, and you're gonna have a more diversified portfolio.","start":412.085,"end":417.945,"sentiment":"neutral","sentiment_score":0.27193455232514274}],"sentiment":"neutral","sentiment_score":0.27193455232514274,"channel":0,"num_words":9,"start":412.085,"end":417.945},{"sentences":[{"text":"Okay.","start":419.395,"end":419.895,"sentiment":"neutral","sentiment_score":0.09976719319820404},{"text":"Yep.","start":419.955,"end":420.455,"sentiment":"neutral","sentiment_score":0.06779783219099045}],"sentiment":"neutral","sentiment_score":0.08378251269459724,"channel":1,"num_words":2,"start":419.395,"end":420.455},{"sentences":[{"text":"The risks are always when we're just transferring investment assets is that, you know, when you're out of the market for a tiny bit of time or investments which is occurring, The market still does continue, so there is still a possibility of missing out on possible growth while that happens.","start":422.4,"end":437.125,"sentiment":"neutral","sentiment_score":-0.17508554473227145}],"sentiment":"neutral","sentiment_score":-0.17508554473227145,"channel":0,"num_words":51,"start":422.4,"end":437.125},{"sentences":[{"text":"Yep.","start":437.315,"end":437.815,"sentiment":"neutral","sentiment_score":0.0035154845099896193}],"sentiment":"neutral","sentiment_score":0.0035154845099896193,"channel":1,"num_words":1,"start":437.315,"end":437.815},{"sentences":[{"text":"And we obviously can't guarantee that the recommended investments are gonna be perform better than you currently have.","start":438.30502,"end":447.0,"sentiment":"neutral","sentiment_score":-0.08159860885805553},{"text":"It's just that the portfolio itself is just structured differently.","start":447.0,"end":453.81998,"sentiment":"neutral","sentiment_score":-0.03125307857990265}],"sentiment":"neutral","sentiment_score":-0.06361806233014379,"channel":0,"num_words":28,"start":438.30502,"end":453.81998},{"sentences":[{"text":"Yes.","start":454.57,"end":455.05002,"sentiment":"neutral","sentiment_score":0.07938820123672485},{"text":"Yep.","start":455.05002,"end":455.55002,"sentiment":"neutral","sentiment_score":0.100991889834404}],"sentiment":"neutral","sentiment_score":0.09019004553556442,"channel":1,"num_words":2,"start":454.57,"end":455.55002},{"sentences":[{"text":"Did consider another platform for you to look at instead of hub.","start":457.575,"end":463.595,"sentiment":"neutral","sentiment_score":0.06983202323317528},{"text":"It was discounted mainly because you would actually have a capital gains event of about $1,800 to do this.","start":463.895,"end":475.18,"sentiment":"neutral","sentiment_score":0.1470592441527467},{"text":"That's","start":475.64,"end":475.96,"sentiment":"neutral","sentiment_score":0.16996793448925018}],"sentiment":"neutral","sentiment_score":0.11881493288092315,"channel":0,"num_words":32,"start":457.575,"end":475.96},{"sentences":[{"text":"Yep.","start":475.905,"end":476.25,"sentiment":"neutral","sentiment_score":0.12504741549491882}],"sentiment":"neutral","sentiment_score":0.12504741549491882,"channel":1,"num_words":1,"start":475.905,"end":476.25},{"sentences":[{"text":"not gonna place you in a better financial position, and so that was discounted.","start":475.96,"end":480.94,"sentiment":"neutral","sentiment_score":0.027362463995814323}],"sentiment":"neutral","sentiment_score":0.027362463995814323,"channel":0,"num_words":14,"start":475.96,"end":480.94},{"sentences":[{"text":"Okay.","start":482.17,"end":482.67,"sentiment":"neutral","sentiment_score":0.1627213954925537}],"sentiment":"neutral","sentiment_score":0.1627213954925537,"channel":1,"num_words":1,"start":482.17,"end":482.67},{"sentences":[{"text":"Essentially, as I mentioned before, you're gonna save about $343 a year in fees.","start":484.855,"end":490.95502,"sentiment":"neutral","sentiment_score":0.2968047901189753},{"text":"The difference in so the five year rolling average return on your current portfolio sits at about 8.37%.","start":492.535,"end":502.62,"sentiment":"neutral","sentiment_score":0.018232319297062025},{"text":"On the recommended portfolio, it sits at 11.12%.","start":503.08,"end":506.68,"sentiment":"neutral","sentiment_score":0.027116160839796066},{"text":"So we...","start":506.68,"end":507.24,"sentiment":"neutral","sentiment_score":0.007066096179187298},{"text":"There's a 2.75% difference there just based on how the portfolio is constructed, and that's based on a five year rolling average.","start":507.24,"end":517.105,"sentiment":"neutral","sentiment_score":0.01956396498082375}],"sentiment":"neutral","sentiment_score":0.08038933621355682,"channel":0,"num_words":64,"start":484.855,"end":517.105},{"sentences":[{"text":"So by making the changes, we project it.","start":517.105,"end":521.185,"sentiment":"neutral","sentiment_score":0.04131616186350584},{"text":"And, again, projections are simply that projection.","start":521.185,"end":525.045,"sentiment":"neutral","sentiment_score":0.017972114895071303},{"text":"So","start":525.185,"end":525.66,"sentiment":"neutral","sentiment_score":0.10014589130878448}],"sentiment":"neutral","sentiment_score":0.034779999405145645,"channel":0,"num_words":16,"start":517.105,"end":525.66},{"sentences":[{"text":"Yep.","start":525.755,"end":526.255,"sentiment":"neutral","sentiment_score":0.1717299073934555}],"sentiment":"neutral","sentiment_score":0.1717299073934555,"channel":1,"num_words":1,"start":525.755,"end":526.255},{"sentences":[{"text":"they are conservative, but we do like to make sure.","start":527.01996,"end":529.89996,"sentiment":"neutral","sentiment_score":0.11556974425911903},{"text":"So in five years, based on the current versus the recommended portfolio, we expect the difference to be an increase of about $26,500, and in ten","start":529.89996,"end":541.015,"sentiment":"neutral","sentiment_score":0.10817497323911923}],"sentiment":"neutral","sentiment_score":0.1102290763002303,"channel":0,"num_words":36,"start":527.01996,"end":541.015},{"sentences":[{"text":"Yep.","start":540.64,"end":541.14,"sentiment":"neutral","sentiment_score":0.03481070324778557}],"sentiment":"neutral","sentiment_score":0.03481070324778557,"channel":1,"num_words":1,"start":540.64,"end":541.14},{"sentences":[{"text":"years, about $80,000 rounded up.","start":541.015,"end":544.075,"sentiment":"neutral","sentiment_score":0.054242150485515596},{"text":"The...","start":547.895,"end":548.375,"sentiment":"neutral","sentiment_score":0.006204676814377308},{"text":"There is a table on page 19 of the document that shows you what we are removing from your portfolio to","start":548.375,"end":557.09,"sentiment":"neutral","sentiment_score":0.02212508377574739}],"sentiment":"neutral","sentiment_score":0.027483044019727794,"channel":0,"num_words":27,"start":541.015,"end":557.09},{"sentences":[{"text":"Mhmm.","start":557.085,"end":557.585,"sentiment":"neutral","sentiment_score":0.013425670564174652}],"sentiment":"neutral","sentiment_score":0.013425670564174652,"channel":1,"num_words":1,"start":557.085,"end":557.585},{"sentences":[{"text":"be invested in, and they're all highlighted in red.","start":557.09,"end":560.55,"sentiment":"neutral","sentiment_score":0.04826198269923528},{"text":"Some you'll note has a balance afterwards.","start":561.41003,"end":563.83,"sentiment":"neutral","sentiment_score":0.04555021598935127},{"text":"So the beta share cyber security, for example, we're withdrawing 5,000 odd dollars from that.","start":564.85004,"end":570.63495,"sentiment":"neutral","sentiment_score":0.08227088948090872},{"text":"You'll still have 6,000 remaining in that investment.","start":571.175,"end":574.07495,"sentiment":"neutral","sentiment_score":0.12384411972016096},{"text":"That means we're just rebalancing the portfolio.","start":574.295,"end":576.875,"sentiment":"neutral","sentiment_score":0.09034094374094691}],"sentiment":"neutral","sentiment_score":0.07848722309522006,"channel":0,"num_words":46,"start":557.09,"end":576.875},{"sentences":[{"text":"So instead of having 9.33% allocated, we're gonna reduce you back down to the desired 5% to make sure that you're not overweighted in that asset in line with your risk 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far?","start":593.435,"end":595.055,"sentiment":"neutral","sentiment_score":0.03170729102566838}],"sentiment":"neutral","sentiment_score":0.03170729102566838,"channel":0,"num_words":4,"start":593.435,"end":595.055},{"sentences":[{"text":"No.","start":595.37,"end":595.77,"sentiment":"neutral","sentiment_score":-0.10231822729110718},{"text":"No.","start":595.77,"end":596.09,"sentiment":"neutral","sentiment_score":-0.1349318027496338},{"text":"That's all pretty clear.","start":596.09,"end":597.15,"sentiment":"neutral","sentiment_score":-0.08194823376834393}],"sentiment":"neutral","sentiment_score":-0.09417382751901944,"channel":1,"num_words":6,"start":595.37,"end":597.15},{"sentences":[{"text":"No?","start":597.515,"end":597.675,"sentiment":"neutral","sentiment_score":-0.01838003471493721},{"text":"Fantastic.","start":597.675,"end":598.175,"sentiment":"positive","sentiment_score":0.4381287097930908},{"text":"Following that page is the asset allocation.","start":600.715,"end":603.455,"sentiment":"neutral","sentiment_score":0.23478677655969346},{"text":"So that is, it will just show you the breakdown of how you're invested across the different sectors.","start":603.755,"end":609.95,"sentiment":"neutral","sentiment_score":0.19144686808188757},{"text":"So Australian equities, you're gonna have approximately 20% allocation, international equities, 55%, alternative growth, about 10%.","start":609.95,"end":620.715,"sentiment":"neutral","sentiment_score":0.1779050612822175}],"sentiment":"neutral","sentiment_score":0.19432048179035963,"channel":0,"num_words":43,"start":597.515,"end":620.715},{"sentences":[{"text":"So you're gonna have about 85% exposure to growth assets with the remaining 15% on your defensive.","start":620.715,"end":627.295,"sentiment":"neutral","sentiment_score":0.22429998043705435},{"text":"So you are a little bit higher gross wise by 5%.","start":627.435,"end":631.295,"sentiment":"neutral","sentiment_score":0.29333893141963263},{"text":"It's within the variable tolerance that we set, so we're comfortable with that to help you reach those those retirement...","start":632.19,"end":643.01,"sentiment":"positive","sentiment_score":0.3904497191309929},{"text":"Future retirement goals and objectives and get those returns going for you.","start":643.15,"end":646.905,"sentiment":"positive","sentiment_score":0.5130262722571691}],"sentiment":"positive","sentiment_score":0.35008562604586285,"channel":0,"num_words":60,"start":620.715,"end":646.905},{"sentences":[{"text":"Yep.","start":647.35504,"end":647.835,"sentiment":"positive","sentiment_score":0.3889431953430176},{"text":"Perfect.","start":647.835,"end":648.335,"sentiment":"positive","sentiment_score":0.6162834763526917}],"sentiment":"positive","sentiment_score":0.5026133358478546,"channel":1,"num_words":2,"start":647.35504,"end":648.335},{"sentences":[{"text":"The next part of that document is the personal loan.","start":649.78503,"end":653.625,"sentiment":"neutral","sentiment_score":0.22444166913628577},{"text":"So we did talk about reducing the personal loan to a new balance in a three year period.","start":653.625,"end":658.68506,"sentiment":"neutral","sentiment_score":0.08425617135233349}],"sentiment":"neutral","sentiment_score":0.1343224205608879,"channel":0,"num_words":28,"start":649.78503,"end":658.68506},{"sentences":[{"text":"Yep.","start":659.07,"end":659.57,"sentiment":"neutral","sentiment_score":0.08249948918819427}],"sentiment":"neutral","sentiment_score":0.08249948918819427,"channel":1,"num_words":1,"start":659.07,"end":659.57},{"sentences":[{"text":"What...","start":659.51,"end":660.01,"sentiment":"neutral","sentiment_score":0.03000279702246189},{"text":"You're currently paying $820 a month.","start":660.39,"end":663.69,"sentiment":"neutral","sentiment_score":0.0002322206273674968}],"sentiment":"neutral","sentiment_score":0.0044851601123809814,"channel":0,"num_words":7,"start":659.51,"end":663.69},{"sentences":[{"text":"Mhmm.","start":663.95,"end":664.45,"sentiment":"neutral","sentiment_score":0.03967925161123276}],"sentiment":"neutral","sentiment_score":0.03967925161123276,"channel":1,"num_words":1,"start":663.95,"end":664.45},{"sentences":[{"text":"What I have looked at is your $500 a month that you save.","start":664.47003,"end":669.13,"sentiment":"neutral","sentiment_score":0.22900963116150636},{"text":"I've looked at putting that towards the repayment of your personal loan, which would mean it would increase to $1,320 per month.","start":669.67,"end":679.395,"sentiment":"neutral","sentiment_score":0.18872454796325078},{"text":"What that would do is would see you repay the loan in three years and one month as opposed to five years and six months based on current interest rates and, you know, the variables.","start":679.93506,"end":695.55,"sentiment":"neutral","sentiment_score":0.21217247481857027},{"text":"So this is very open to change depending on what the interest rates are and everything.","start":695.55,"end":702.05,"sentiment":"neutral","sentiment_score":0.17215799959376454}],"sentiment":"neutral","sentiment_score":0.20127476595861968,"channel":0,"num_words":86,"start":664.47003,"end":702.05},{"sentences":[{"text":"Yep.","start":702.745,"end":703.245,"sentiment":"neutral","sentiment_score":0.06240254640579224}],"sentiment":"neutral","sentiment_score":0.06240254640579224,"channel":1,"num_words":1,"start":702.745,"end":703.245},{"sentences":[{"text":"The downside is is that...","start":703.72504,"end":705.745,"sentiment":"neutral","sentiment_score":-0.12716851532459258},{"text":"Well, the upside is, first of all, that you're gonna save approximately $5,382 in interest by making those additional 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did have a strict savings plan of $500 a month.","start":732.45496,"end":738.935,"sentiment":"neutral","sentiment_score":0.044850018703275256},{"text":"So you are gonna save on a interest, not the same amount that you would save by saving the funds in your bank account, which is a disadvantage that needs to be considered.","start":738.935,"end":751.86005,"sentiment":"neutral","sentiment_score":-0.06642865773403284}],"sentiment":"neutral","sentiment_score":-0.1313643101148489,"channel":0,"num_words":82,"start":717.9,"end":751.86005},{"sentences":[{"text":"But it does meet your goal of repaying the personal loan in a three year period or three years and one 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questions?","start":1285.86,"end":1287.32,"sentiment":"neutral","sentiment_score":0.031157039850950242}],"sentiment":"neutral","sentiment_score":0.05759606645865874,"channel":0,"num_words":11,"start":1283.14,"end":1287.32},{"sentences":[{"text":"Perfect.","start":1288.3099,"end":1288.63,"sentiment":"positive","sentiment_score":0.46333110332489014},{"text":"Now I'm not at this stage.","start":1288.63,"end":1289.9299,"sentiment":"neutral","sentiment_score":-0.15867487837870917}],"sentiment":"neutral","sentiment_score":-0.06981688099248069,"channel":1,"num_words":7,"start":1288.3099,"end":1289.9299},{"sentences":[{"text":"No?","start":1290.8651,"end":1291.3651,"sentiment":"neutral","sentiment_score":-0.13955846428871155},{"text":"Okay.","start":1291.425,"end":1291.8251,"sentiment":"neutral","sentiment_score":0.014696899801492693},{"text":"Well, please take the time to have a read of that.","start":1291.8251,"end":1294.4851,"sentiment":"neutral","sentiment_score":0.12357000261545181},{"text":"Again, reach out to me if you have any questions.","start":1295.1051,"end":1298.005,"sentiment":"neutral","sentiment_score":0.12308603152632713},{"text":"And when you're happy to proceed, if you can sign that that document and return to me with...","start":1299.185,"end":1307.48,"sentiment":"neutral","sentiment_score":0.08417709896134005}],"sentiment":"neutral","sentiment_score":0.09708430636219861,"channel":0,"num_words":41,"start":1290.8651,"end":1307.48},{"sentences":[{"text":"Or you just follow the process similar to the review, but ensure you type in anything in there that you don't wish to proceed with so I won't annoy you continuously with questions.","start":1307.48,"end":1316.46,"sentiment":"neutral","sentiment_score":-0.09824877999948733}],"sentiment":"neutral","sentiment_score":-0.09824877999948733,"channel":0,"num_words":33,"start":1307.48,"end":1316.46},{"sentences":[{"text":"Okay.","start":1317.33,"end":1317.73,"sentiment":"neutral","sentiment_score":0.3032657206058502},{"text":"Perfect.","start":1317.73,"end":1318.23,"sentiment":"positive","sentiment_score":0.7179175615310669}],"sentiment":"positive","sentiment_score":0.5105916410684586,"channel":1,"num_words":2,"start":1317.33,"end":1318.23},{"sentences":[{"text":"Wonderful.","start":1319.545,"end":1320.045,"sentiment":"positive","sentiment_score":0.7834954261779785},{"text":"Well, thanks, Sean.","start":1320.105,"end":1321.085,"sentiment":"positive","sentiment_score":0.727772573630015},{"text":"Happy reading, and stay safe, and I'll speak to you soon.","start":1322.025,"end":1325.565,"sentiment":"positive","sentiment_score":0.7076258063316345}],"sentiment":"positive","sentiment_score":0.7167131344477335,"channel":0,"num_words":15,"start":1319.545,"end":1325.565},{"sentences":[{"text":"Thanks for doing all that.","start":1326.145,"end":1327.505,"sentiment":"positive","sentiment_score":0.8272645831108093},{"text":"Thank you.","start":1327.505,"end":1328.1649,"sentiment":"positive","sentiment_score":0.7919020056724548}],"sentiment":"positive","sentiment_score":0.8171609895569938,"channel":1,"num_words":7,"start":1326.145,"end":1328.1649},{"sentences":[{"text":"You're welcome.","start":1327.945,"end":1328.765,"sentiment":"positive","sentiment_score":0.7224785387516022},{"text":"Enjoy your day.","start":1328.825,"end":1329.885,"sentiment":"positive","sentiment_score":0.773708442846934}],"sentiment":"positive","sentiment_score":0.7532164812088012,"channel":0,"num_words":5,"start":1327.945,"end":1329.885},{"sentences":[{"text":"You too.","start":1330.3049,"end":1330.865,"sentiment":"positive","sentiment_score":0.5387285351753235},{"text":"Bye.","start":1330.865,"end":1331.365,"sentiment":"neutral","sentiment_score":0.3303505480289459}],"sentiment":"positive","sentiment_score":0.46926920612653095,"channel":1,"num_words":3,"start":1330.3049,"end":1331.365},{"sentences":[{"text":"Bye.","start":1333.7468,"end":1334.2319,"sentiment":"neutral","sentiment_score":-0.10757166892290115}],"sentiment":"neutral","sentiment_score":-0.10757166892290115,"channel":0,"num_words":1,"start":1333.7468,"end":1334.2319}]},"summary":{"result":"success","short":"The representative from Oakview Financial provides Sean with advice on his retirement goals and financial situation, including personal and financial information, retirement goals, and investment strategies. The advice document is not currently applicable, but legal practitioners cannot assist. The recommended portfolio sits at 11.80%, and the personal loan is reduced to $1,320 a month and the home loan is modeled using the same amount. The speaker emphasizes the importance of taking risks and creating a will to ensure the estate is distributed according to current interest rates. The document is recommended to be reviewed, and the speaker provides information on the financial services guide and the process of signing it."},"intents":{"segments":[{"text":"And then once that is paid off, information for you to then look at repaying your mortgage in a fifteen year time period.","start_word":357,"end_word":379,"intents":[{"intent":"Refund mortgage","confidence_score":0.024126975}]},{"text":"And then once that is paid off, information for you to then look at repaying your mortgage in a fifteen year time period. So that is information for you to consider. The recommendation is based on your goals and objectives. Whether you decide to follow through with those, entirely up to you. It's the information just to help you achieve those should you wish to.","start_word":357,"end_word":421,"intents":[{"intent":"Gather retirement information","confidence_score":0.000023185254}]},{"text":"What I've recommended is that we actually reviewed all of the underlying investments within your portfolio and make some some strategic changes to the investments.","start_word":715,"end_word":739,"intents":[{"intent":"Recommend portfolio review","confidence_score":0.35720754}]},{"text":"So you're gonna save on investment fees, which is less likely to erode your super balance over time.","start_word":765,"end_word":782,"intents":[{"intent":"Explain investment savings","confidence_score":0.001589934}]},{"text":"So the fund will incur that. And what I've considered for that in relation to offsetting that is that you are gonna have a $343 fee saving overall. So that has paid for itself already, the capital Yep. gains, and you're gonna have a more diversified portfolio. Okay.","start_word":883,"end_word":930,"intents":[{"intent":"Discuss portfolio benefits","confidence_score":0.091296144}]},{"text":"And we obviously can't guarantee that the recommended investments are gonna be perform better than you currently have. It's just that the portfolio itself is just structured differently. Yes.","start_word":984,"end_word":1012,"intents":[{"intent":"Discuss portfolio structure","confidence_score":0.41129893}]},{"text":"Did consider another platform for you to look at instead of hub. It was discounted mainly because you would actually have a capital gains event of about $1,800 to do this. That's Yep. not gonna place you in a better financial position, and so that was discounted. Okay.","start_word":1014,"end_word":1061,"intents":[{"intent":"Consider platform","confidence_score":0.0010931852}]},{"text":"The difference in so the five year rolling average return on your current portfolio sits at about 8.37%. On the recommended portfolio, it sits at 11.12%. So we... There's a 2.75% difference there just based on how the portfolio is constructed, and that's based on a five year rolling average. So by making the changes, we project it. And, again, projections are simply that projection. So Yep.","start_word":1077,"end_word":1143,"intents":[{"intent":"Provide portfolio information","confidence_score":0.006085327}]},{"text":"Any questions so far? No.","start_word":1292,"end_word":1296,"intents":[{"intent":"Address investment concerns","confidence_score":0.003264928}]},{"text":"That's all pretty clear. No?","start_word":1298,"end_word":1302,"intents":[{"intent":"Clarify investment level","confidence_score":0.0017934198}]},{"text":"Following that page is the asset allocation. So that is, it will just show you the breakdown of how you're invested across the different sectors.","start_word":1304,"end_word":1328,"intents":[{"intent":"Identify asset allocation","confidence_score":0.0015004599}]},{"text":"The next part of that document is the personal loan.","start_word":1407,"end_word":1416,"intents":[{"intent":"Discuss personal loan","confidence_score":0.027981833}]},{"text":"So we did talk about reducing the personal loan to a new balance in a three year period.","start_word":1418,"end_word":1435,"intents":[{"intent":"Reduce personal loan","confidence_score":0.3092772}]},{"text":"What... You're currently paying $820 a month.","start_word":1436,"end_word":1442,"intents":[{"intent":"Save money","confidence_score":0.11608156}]},{"text":"What I have looked at is your $500 a month that you save. I've looked at putting that towards the repayment of your personal loan, which would mean it would increase to $1,320 per month. What that would do is would see you repay the loan in three years and one month as opposed to five years and six months based on current interest rates and, you know, the variables. So this is very open to change depending on what the interest rates are and everything.","start_word":1444,"end_word":1529,"intents":[{"intent":"Save interest","confidence_score":0.29063937}]},{"text":"What that would do is would see you repay the loan in three years and one month as opposed to five years and six months based on current interest rates and, you know, the variables. So this is very open to change depending on what the interest rates are and everything. Yep.","start_word":1479,"end_word":1530,"intents":[{"intent":"Modify interest","confidence_score":0.000042492753}]},{"text":"And to actually reach the goal of fifteen years, you would actually need to... In... You'd have to find another $530 per month on top of that 1,320, which is 1,850 per month, and that would say you pay down the home loan in fourteen years and eleven months, saving you $266,000 in interest. So the information is there for you to consider and implement yourself if you Yep.","start_word":1756,"end_word":1824,"intents":[{"intent":"Explore options","confidence_score":0.000030083947}]},{"text":"And if anything changes in the meantime, you are 100% welcome to reach out for any further additional advice.","start_word":2135,"end_word":2153,"intents":[{"intent":"Obtain additional advice","confidence_score":0.023732906}]},{"text":"And if anything changes in the meantime, you are 100% welcome to reach out for any further additional advice. And if it's in relation to superannuation and insurance, there's no additional cost.","start_word":2135,"end_word":2166,"intents":[{"intent":"Assist with superannuation and insurance","confidence_score":0.00044870135}]},{"text":"Just the last couple of important information pieces is the... Sorry.","start_word":2206,"end_word":2216,"intents":[{"intent":"Provide information","confidence_score":0.012335864}]},{"text":"So for example, if you say... You decide I'm not gonna repay the personal loan quicker, I'm just gonna let ride five years, just write that in there for me so I can update the records on our end, and I won't ask you the same questions next year. Yeah.","start_word":2433,"end_word":2482,"intents":[{"intent":"Address concerns","confidence_score":0.00011003821}]},{"text":"So that's just me saying that I've given you a copy of the financial services guide, that this statement advice is an accurate and complete record of the recommendations I've given you.","start_word":2498,"end_word":2529,"intents":[{"intent":"Provide financial advice","confidence_score":0.0042379713}]},{"text":"Reach back out to me with any questions if you have any before signing this or if anything has significantly changed that's in this document that that should be addressed. Okay.","start_word":2552,"end_word":2582,"intents":[{"intent":"Discuss soa","confidence_score":0.018411318}]},{"text":"Okay.","start_word":2582,"end_word":2582,"intents":[{"intent":"Obtain information","confidence_score":0.000040449748}]},{"text":"But sixty days, if if the document isn't signed before then and we need to... And we still wanna make these changes, we just have to start the process again, which isn't a bad thing. It's just to make sure that the the advice is still appropriate and current. Yeah.","start_word":2699,"end_word":2748,"intents":[{"intent":"Implement plans","confidence_score":0.0000051121633}]},{"text":"And lastly, there's two little bits of information. There's an an information piece on the investment return methodology on how we calculate those. Just for your information, they are conservative in nature and some information on life insurance held through super. So that's your life, keep it in income protection, and how that is paid and taxed.","start_word":2797,"end_word":2853,"intents":[{"intent":"Calculate investments","confidence_score":0.009169632}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Sean. It's Jenna here phoning from Oakview Financial. How are you today? Yeah.","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.20633633434772491},{"text":"Good. Hell yeah. I'm good. Thank you.","start_word":15,"end_word":21,"sentiment":"positive","sentiment_score":0.5914576649665833},{"text":"Just before I do go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Yep. That's fine.","start_word":22,"end_word":51,"sentiment":"neutral","sentiment_score":0.06632844358682632},{"text":"Lovely.","start_word":52,"end_word":52,"sentiment":"positive","sentiment_score":0.45297062397003174},{"text":"I can hear that you're driving. Did you want me to phone you back at a different time, or are you okay? No. No. That's alright. I'm on answering anyway. Okay. Lovely. Sean, can I please ask that you confirm your client password, please? 078925.","start_word":53,"end_word":97,"sentiment":"neutral","sentiment_score":0.028702255338430405},{"text":"Thank you for that. Thank you.","start_word":98,"end_word":103,"sentiment":"positive","sentiment_score":0.4416571855545044},{"text":"Okay. You would have received probably in the last ten minutes or so an email from me that contains the advice document. Given you're driving, what I'm going to do is I'm gonna talk through that advice document verbally with you Yep. and ask that you review that post our call and complete anything that is necessary should you wish to proceed. Is that okay? Yep. Lovely. Alright. The document... There's two documents. There's a statement of advice and then a... And an appendix to that statement of advice contained in that email. The cover page just simply outlines that I'm the one providing you advice and who I'm licensed through. Now when we do provide advice, we adhere to our... We have a best interest duty, which means that we need to identify the client's personal and financial situation and address your needs as an individual and ensure that any recommendation is appropriate for your circumstances. And we always need to put the best interest of you first. So that's Yeah. how we provide advice. So Yep. this advice document covers several goals. The first one being the superannuation, ensuring that you have sufficient funds to support yourself and family in retirement. We have reviewed those underlying investments that we talked about in our recent review and made some recommendations to change your portfolio. K. Additionally, in this advice document is information for you to consider in relation to repayment of your personal loan within three... A three year time period. And then once that is paid off, information for you to then look at repaying your mortgage in a fifteen year time period. So that is information for you to consider.","start_word":104,"end_word":386,"sentiment":"neutral","sentiment_score":0.04537771600084675},{"text":"The recommendation is based on your goals and objectives. Whether you decide to follow through with those, entirely up to you. It's the information just to help you achieve those should you wish to.","start_word":387,"end_word":420,"sentiment":"positive","sentiment_score":0.3911239504814148},{"text":"Yep. And then also in the document is a recommendation to ensure that you establish wills and powers of attorney. Okay. Yep.","start_word":421,"end_word":442,"sentiment":"neutral","sentiment_score":0.08961585909128189},{"text":"What what what we're not covering is anything in relation to your insurance or what we're not providing advice in is relation to anything including your insurances.","start_word":443,"end_word":469,"sentiment":"negative","sentiment_score":-0.3420434892177582},{"text":"As you said that you're happy with your existing life, capitated income protection, and you're not interested in exploring trauma insurance. Is that still Yep. correct? Yep.","start_word":470,"end_word":496,"sentiment":"neutral","sentiment_score":-0.21616514027118683},{"text":"Lovely.","start_word":497,"end_word":497,"sentiment":"positive","sentiment_score":0.42054447531700134},{"text":"And then, additionally, your retirement goals aren't included in this advice document given that it's twenty four twenty four years away... Years away. Any strategies for retirement aren't applicable at the moment. We're just focusing on making sure your superannuation is invested in line with your risk profile and the investments are appropriate to help you reach those goals. Okay. Legally, I just need to tell you I'm not a legal practitioner. I can't assist or produce wills and powers of attorney. A lawyer needs to do that for you, and I'm not authorized to provide advice in general insurance products like home and motor insurance, etcetera. Okay. I can provide tax based on financial advice taxation rules, but I can't provide generalized tax return, you know, or tax accounting advice. Yeah. Within the document, you'll see there's an about you section. This includes your personal information, assets and liabilities, and your current super and insurances, and that's based on the information we confirmed in your recent review. And also your gross risk profile where we discussed the eighty twenty split to growth assets and defensive assets and that you were comfortable to maintain that approach to investing. Yep. From about page 14 onwards, this is of the document. This is where the actual recommendations are. What I've recommended is that we actually reviewed all of the underlying investments within your portfolio and make some some strategic changes to the investments. It... I have made that based on based on the underperforming funds and the phasing out of the hybrids, but the recommended portfolio is lower cost.","start_word":498,"end_word":764,"sentiment":"neutral","sentiment_score":-0.010855096946941332},{"text":"So you're gonna save on investment fees, which is less likely to erode your super balance over time. And, historically, the longer term growth of this portfolio is better. And so based on historical performance, I think that this this portfolio will help you achieve your goals for retirement.","start_word":765,"end_word":813,"sentiment":"positive","sentiment_score":0.5879157185554504},{"text":"Now the trade off is is that when we make those investment changes, the super fund itself, so not you personally, will incur a capital gains tax of approximately a 199, and that's deducted from the super balance, and that's a one off. So what that mean... So you... Do you understand what capital gains is? Most people do, capital gains tax? Yep. Are you alright? Okay. So... Yes. So the fund will incur that. And what I've considered for that in relation to offsetting that is that you are gonna have a $343 fee saving overall.","start_word":814,"end_word":910,"sentiment":"neutral","sentiment_score":0.016646580770611763},{"text":"So that has paid for itself already, the capital Yep.","start_word":911,"end_word":920,"sentiment":"positive","sentiment_score":0.382580041885376},{"text":"gains, and you're gonna have a more diversified portfolio. Okay. Yep. The risks are always when we're just transferring investment assets is that, you know, when you're out of the market for a tiny bit of time or investments which is occurring, The market still does continue, so there is still a possibility of missing out on possible growth while that happens. Yep. And we obviously can't guarantee that the recommended investments are gonna be perform better than you currently have. It's just that the portfolio itself is just structured differently. Yes. Yep. Did consider another platform for you to look at instead of hub. It was discounted mainly because you would actually have a capital gains event of about $1,800 to do this. That's Yep. not gonna place you in a better financial position, and so that was discounted. Okay. Essentially, as I mentioned before, you're gonna save about $343 a year in fees. The difference in so the five year rolling average return on your current portfolio sits at about 8.37%. On the recommended portfolio, it sits at 11.12%. So we... There's a 2.75% difference there just based on how the portfolio is constructed, and that's based on a five year rolling average. So by making the changes, we project it. And, again, projections are simply that projection. So Yep. they are conservative, but we do like to make sure. So in five years, based on the current versus the recommended portfolio, we expect the difference to be an increase of about $26,500, and in ten Yep. years, about $80,000 rounded up. The... There is a table on page 19 of the document that shows you what we are removing from your portfolio to Mhmm. be invested in, and they're all highlighted in red. Some you'll note has a balance afterwards. So the beta share cyber security, for example, we're withdrawing 5,000 odd dollars from that. You'll still have 6,000 remaining in that investment. That means we're just rebalancing the portfolio. So instead of having 9.33% allocated, we're gonna reduce you back down to the desired 5% to make sure that you're not overweighted in that asset in line with your risk profile. Okay. Does that make sense? Yep. Any questions so far? No. No. That's all pretty clear. No?","start_word":921,"end_word":1302,"sentiment":"neutral","sentiment_score":0.039568574733408024},{"text":"Fantastic.","start_word":1303,"end_word":1303,"sentiment":"positive","sentiment_score":0.4381287097930908},{"text":"Following that page is the asset allocation. So that is, it will just show you the breakdown of how you're invested across the different sectors. So Australian equities, you're gonna have approximately 20% allocation, international equities, 55%, alternative growth, about 10%. So you're gonna have about 85% exposure to growth assets with the remaining 15% on your defensive. So you are a little bit higher gross wise by 5%.","start_word":1304,"end_word":1372,"sentiment":"neutral","sentiment_score":0.21199285984039307},{"text":"It's within the variable tolerance that we set, so we're comfortable with that to help you reach those those retirement... Future retirement goals and objectives and get those returns going for you. Yep. Perfect.","start_word":1373,"end_word":1406,"sentiment":"positive","sentiment_score":0.4262481331825256},{"text":"The next part of that document is the personal loan. So we did talk about reducing the personal loan to a new balance in a three year period. Yep. What... You're currently paying $820 a month. Mhmm. What I have looked at is your $500 a month that you save. I've looked at putting that towards the repayment of your personal loan, which would mean it would increase to $1,320 per month. What that would do is would see you repay the loan in three years and one month as opposed to five years and six months based on current interest rates and, you know, the variables. So this is very open to change depending on what the interest rates are and everything. Yep.","start_word":1407,"end_word":1530,"sentiment":"neutral","sentiment_score":0.16247819940890035},{"text":"The downside is is that... Well, the upside is, first of all, that you're gonna save approximately $5,382 in interest by making those additional repayments.","start_word":1531,"end_word":1555,"sentiment":"positive","sentiment_score":0.400124728679657},{"text":"Yep.","start_word":1556,"end_word":1556,"sentiment":"neutral","sentiment_score":0.1281495988368988},{"text":"The downside is is that you're going to not have your $500 a month savings.","start_word":1557,"end_word":1571,"sentiment":"negative","sentiment_score":-0.3755560517311096},{"text":"And over that thirty seven months, which is three years and one month one month. Sorry. You would have saved 18,500, assuming that you did have a strict savings plan of $500 a month. So you are gonna save on a interest, not the same amount that you would save by saving the funds in your bank account, which is a disadvantage that needs to be considered. But it does meet your goal of repaying the personal loan in a three year period or three years and one month. Yeah. Okay. Yeah. The next part is the home loan. So in here, I've given you two options for your consideration. After the personal loan is repaid, what we have done is we've modeled using that same amount, the 1,320 per month.","start_word":1572,"end_word":1702,"sentiment":"neutral","sentiment_score":0.1029890924692154},{"text":"So what you would have put towards the personal loan and that same 500 of savings and Yep. increase that mortgage repayment. What that will do is reduce your home loan down to sixteen years and eight months, and you'll save approximately $223,294 in interest comparing to twenty five Yep.","start_word":1703,"end_word":1752,"sentiment":"positive","sentiment_score":0.4447784125804901},{"text":"years. Yeah. And to actually reach the goal of fifteen years, you would actually need to... In... You'd have to find another $530 per month on top of that 1,320, which is 1,850 per month, and that would say you pay down the home loan in fourteen years and eleven months, saving you $266,000 in interest.","start_word":1753,"end_word":1808,"sentiment":"neutral","sentiment_score":0.17908281513622828},{"text":"So the information is there for you to consider and implement yourself if you Yep. do want to work towards those goals.","start_word":1809,"end_word":1830,"sentiment":"positive","sentiment_score":0.460236132144928},{"text":"So there's nothing that we need to do on our end. It's more information for you to... If you if you do wanna do that. Yeah. Understood. Okay? The the risks are, you know... Well, not the risks, but the disadvantages and the things to take into consideration is over time, things can change, like jobs change, unexpected expenses, interest rate increases, which can all affect the outcome of of those goals. So, again, bear in mind they are projections based on current interest rates. So Yep. should interest rates increase, you know, repayments would need to, but, additionally, should they decrease the the repayment of the loan would be quicker also as well. Yes. Yep. Within the next the next two recommendations is to establish a will, and that's to ensure that your estate is distributed as per your wishes. If Yep. you do pass away without a will, it does create challenges for your family in relation to accessing assets and funds in a timely manner. So it is a very important document to have and also a power of attorney which allows someone trust... You get to nominate a trusted individual to make decisions on your behalf financially and from a health perspective if you're unable to do so, so it could be a physical or mental incapacity. It could be that you're traveling overseas, for example, depending on how it's set up and someone needs to act on your behalf. So that's a pretty powerful document that you need to consider establishing also. Without it, it does limit how someone can take care of you Yep. Yeah. should the worst happen. Yes. The ongoing services within the document, so nothing's changed. Your reviews, we still conduct your reviews, go through this entire process each year should it be necessary.","start_word":1831,"end_word":2133,"sentiment":"neutral","sentiment_score":-0.03698568418622017},{"text":"And if anything changes in the meantime, you are 100% welcome to reach out for any further additional advice. And if it's in relation to superannuation and insurance, there's no additional cost.","start_word":2134,"end_word":2165,"sentiment":"positive","sentiment_score":0.4837448298931122},{"text":"If it's new advice or, I don't know, setting up an investment plan, for example, there would be new fees which would be discussed, but may... A a fair bit of the advice is covered under your current arrangement. Okay. Just the last couple of important information pieces is the... Sorry. The Good. remuneration. Yep. So your adviser service fee hasn't changed. It's so it's not a double up. So your super fee that you signed off recently, that is included in this document. It's not an additional fee. It's just that we have to disclose it again and Yeah. the ongoing insurance premium. So we do receive a commission from the insurance company for your insurance premiums being enforced, so that's there as well. So there's no new fees. It's just confirmation of the existing remuneration that we receive. Okay. The... There is a how to implement our advice. So you'll notice in there the changes with the insure... With the superannuation that we would do with the loan and the wills and powers of attorney. If you want to make any changes there, that would be... There are instructions there on how to do it. K. The second last page is a... Is where you would sign to proceed with the advice, and you'll note that there is a blank document or a blank space just above where you would sign. And in that blank space, what we do ask is if there's any part of the document or the advice that you don't wanna wish to proceed with, that you write it in there. So for example, if you say... You decide I'm not gonna repay the personal loan quicker, I'm just gonna let ride five years, just write that in there for me so I can update the records on our end, and I won't ask you the same questions next year. Yeah. Okay. Gotcha. Yep. Yep. The last document... The last page is our adviser declaration.","start_word":2166,"end_word":2496,"sentiment":"neutral","sentiment_score":0.07692579180002213},{"text":"So that's just me saying that I've given you a copy of the financial services guide, that this statement advice is an accurate and complete record of the recommendations I've given you.","start_word":2497,"end_word":2528,"sentiment":"positive","sentiment_score":0.36320027709007263},{"text":"Make sure that you give... That I'm giving you the opportunity to read, consider, and understand the SOA. So please do read this. Reach back out to me with any questions if you have any before signing this or if anything has significantly changed that's in this document that that should be addressed. Okay. And then the final document within the pack, there's only the two, is the appendix. It's a information piece that we include, and in there, it shows you the different types of risk profiles. It explains some important information such as the contents of the SOA. So I've taken all reasonable steps to ensure that the information is accurate based on the information you've provided provided to me. The SOA itself is valid for sixty days from the date of the SOA, and that's simply due to client's situations can change in a short period of time. So we do put a limitation on this in... Or most licensees do, to be honest with you. Yep. But sixty days, if if the document isn't signed before then and we need to... And we still wanna make these changes, we just have to start the process again, which isn't a bad thing. It's just to make sure that the the advice is still appropriate and current. Yeah. Makes sense. No product guarantee. So, again, those warnings are all throughout there. Can't guarantee that it's going Yep. to perform better than what you currently have. And there are also some links to the recommended underlying investments that I've met... I've recommended within your superannuation fund. Okay. And lastly, there's two little bits of information. There's an an information piece on the investment return methodology on how we calculate those. Just for your information, they are conservative in nature and some information on life insurance held through super. So that's your life, keep it in income protection, and how that is paid and taxed. So it's just general information. And that is the advice presentation. Do you have any questions?","start_word":2529,"end_word":2869,"sentiment":"neutral","sentiment_score":0.06602368288594257},{"text":"Perfect.","start_word":2870,"end_word":2870,"sentiment":"positive","sentiment_score":0.46333110332489014},{"text":"Now I'm not at this stage. No? Okay. Well, please take the time to have a read of that. Again, reach out to me if you have any questions. And when you're happy to proceed, if you can sign that that document and return to me with... Or you just follow the process similar to the review, but ensure you type in anything in there that you don't wish to proceed with so I won't annoy you continuously with questions. Okay.","start_word":2871,"end_word":2951,"sentiment":"neutral","sentiment_score":-0.003595598740503192},{"text":"Perfect. Wonderful. Well, thanks, Sean. Happy reading, and stay safe, and I'll speak to you soon. Thanks for doing all that. Thank you. You're welcome. Enjoy your day. You too.","start_word":2952,"end_word":2981,"sentiment":"positive","sentiment_score":0.7271374464035034},{"text":"Bye. Bye.","start_word":2982,"end_word":2983,"sentiment":"neutral","sentiment_score":0.2839584946632385}],"average":{"sentiment":"neutral","sentiment_score":0.09099874458464968}}}}