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It is a pretty quick one today just to go through the research I did on your super investment. Is now still a good time for you? Yeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I get you to confirm your full name, date of birth, and address, please? Yep. Perfect. Now, Jaden, do you have access to your emails at the moment? Yep. Okay. So I have just sent you an email with some documents that does have the recommendation in it. So let me know if that came through okay to you. And sometimes, yeah, it does end up in spam folder as well. Yes. Yes. Perfect. So if you can click on that one for me. Now when you click on the link signature request, it should still allow you to open up and view the documents before it prompts you to sign anything. So yes, please. Yep. And can you then see where it says overview financial statement of advice? Can you see the cover page there? Yep. Perfect. Now like I said, I have done some research on your super investments and have made a recommendation on changing a couple of rounds. And every time we do make a recommendation for you for compliance purposes, we have to put everything in a statement of advice just so that you are fully aware and understand everything. Now it is pretty straightforward today. A lot of it is just for compliance purposes. So you will see it is 32 pages. I won't go through all of them because it is pretty straightforward today, and I'll let you have a read over it in your own time. But I'll go through what the actual changes look like. Now on the cover page, you can see that this has been tailored specifically for you. You can see my details listed on the cover page as well, and you'll see my authorized representative number listed as well. Now on page two, it says the best interest duty. Have you ever heard of that before? Yes. Exactly. So, yeah, it is something we always have to act in your best interest at all time. And then also that the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation essentially. Now if you scroll through for me through page three, you should see scope of advice. Yep. Perfect. So like I said, today is pretty straightforward. The things we are looking at is just your superannuation. Just having a having a bit of a review of your superannuation, making sure we put you in the best position possible so that you can retire at the age of 60 and ideally draw that same income, that you are on now. I have also just included some information in regards to estate planning for you. But, otherwise, we're not making any changes in regards to insurances or anything else today for you. So pretty straightforward. Now as you scroll through for me, you will see our advice to you on page six that does outline the actual recommendations, which I will kind of talk you through as we go. If you then keep scrolling through, you will see just a couple of pages about you, just some personal information, your assets, and liabilities as well. And then on page nine, you will see your superannuation listed again and your insurances as well. I won't touch too much on your insurances because we did go through that in the annual review last time. Any questions so far? It was pretty straightforward. Yep. Ex exactly. It's just literally putting it all inviting for you. Now page 10 talks about your risk profile, and we're not making any changes. We are keeping you in a growth portfolio. It's very suitable for you, where you are at and how you feel about risk tolerance and everything. Not making any changes in regards to that. Literally just swapping some of those investments around for you. Now if you scroll down, I usually find the the easiest way is if you wanna scroll down to page 15 for me, you should see a fee comparison table. Yeah. Now, basically, what you scrolled past, just for your reference, it is basically what I will go through with you now. I often find it easier to look at it from this point of view, But what you scroll through is talking about how the recommendation follows that best interest duty for you, also talking about some advantages, disadvantages, and risks in regards to the recommendation along with alternatives. But, essentially, I did research on your Hub twenty four account as well just to make sure it's still going to be the best option for you because there are always new products and features that comes out. So it is good to assess every now and then just to make sure. And for the time being, I have said or have recommended that we keep you in Hub 24. It's definitely a really good competitive option for you. It's very competitive when it comes to fees and features and investment flexibility, and I do use Hub 24 for my personal super as well. So not changing your super fund, just your investment. And the good thing with hub twenty four is because it allows us to do so much when it comes to investments, which is what makes a difference. And when we are looking at come similar platforms like Macquarie and Netwealth, which you may have heard of, they were a little bit platforms like Macquarie and Netwealth, which you may have heard of, they were a little bit more expensive. And if Hub twenty four can do the same thing for you, then what's the point paying a little bit more for it? So, yeah, Hub twenty four is, yeah, where I have recommended to stay. Now you can see here that the recommendation to swap your investments is actually saving you a little bit in fees, which is great. So it is saving you about $812 a year, in fees alone, which is pretty good. Now in terms of the return difference, you can see that at the bottom. Now for this, I have used the five year rolling average for you to show you a little bit more consistency and certainty on the investment. But like I touched on last time, your Bennelong investment, which was the one specifically I wanted to look at changing, previously had done really well. So looking five year rolling average, it was still doing really well. It was more so the the last twelve months, they've kind of underperformed. So even though it might not look like a massive difference here, only about 0.9% when we're looking a long term, it's saving you in fees and still improving the return. And on the next page, which is page 16, you can then actually see that reflected and projected forward for about five and ten years to show you that even though little bit of fees and returns still makes a pretty big difference, we are compounding everything for you. Yep. Yeah. Yes. So it's actually on that page, so page 16. It shows you the return on the portfolio. So that is using a twelve month period. Now when it might be a little bit different to your actual portfolio after fees because this shows you the twelve month before fees, but then that also assumes buying at the start and selling at the end. Whereas it depends, obviously Yes. Correct. Yes. So twelve months. So let me check exactly. I think it so so that that is showing you the four fees because then, obviously, in the projection factors in all of the fees for you. So what you actually had in your super is often a little bit different because we show you everything net of fees, but then it also depends on when you bought the investments. So this one, we obviously, when we pull all the reports, it takes it from, like, one point in during the year and then shows you twelve months. But if you bought, let's say, a week or two later or before, depending on what's going on in the market, it can vary a little bit. So that is also why we are looking at, like, a longer period of time because long term, it doesn't matter too much. So, obviously, when you're looking a bit more short term, that's when it has a bigger impact. Does that make sense? Yes. Mhmm. Yes. So let me have a look actually if I can get it up for you. So the last twelve months now this also, the report I have from when we did the annual review was from the May 18, and the market does fluctuate quite a bit and have actually come up a little bit recently, which is great. But when we are looking at from May to May, it was actually about 4.94. So what you actually did was a bit less than that. Now it kind of makes sense because the 4.94 is net of all fees versus the 8.97 is before all fees. Does that make sense? Yep. Yep. So the kind of like I said, looking long term, it's because Benelon had done really well. It won't show as much of a difference. The more short term, that's when the Benelon started underperforming a little bit, and we obviously want to be proactive with making those changes, especially moving forward. If they're going to continue to be a little bit slower, we do wanna swap that out before it impacts you too much. Makes sense? Yep. Now the the good thing as well is that when we do sell and buy different investments or when you sell the investments, there are often capital gains tax associated with changing it. Now it does change on a daily as well. But when I did do all the research for you, the way that we were able to, recommend changing the investment, there is estimated to be no capital gains tax for you, which is great. Yeah. Now what that actually looks like, though, in terms of the investment changes is outlined on page 17, and it kind of spills over to page 18. Can you see that for me? Yep. Perfect. Now this might look a little bit messy, but everything you'll see on the first column is the investment and name. You will then see their special little code, your current waiting in it, how that reflects in the balance, and then the buy and sell column. So what is red is what we are selling. What is black is either retaining, so keeping in your portfolio already but changing the weight, or buying new investments. So, basically, when would you put it together the portfolio? That all stays the same in terms of the philosophy. So we are still using that core satellite approach to investment, which basically means that we are investing majority of the funds in the core, which basically represents the backbone of the portfolio. And, essentially, these are, like, your passive index funds that have done really well and very diversified. So you can see that these are your biggest shareholding. So you can see, for example, the iShares S and P 500. You already have that in your portfolio exactly. This one, very diversified, invest in the 500 largest companies in The US. So all, like, your Apple, Microsoft, Amazon, all the big companies, very diversified. Now what yes. Now what you then can see is the change from Bennelong, which we wanted to sell out of. We have replaced with another Australian investment, which is on page 18, and that is called your BetaShares Australia two hundred. Can you see where I'm at? Yep. Now that one here, you invest in the 200 largest companies in Australia. So very diversified as well for you. Now your satellite investments, so these are the ones that can be a little bit more specialized, can fluctuate a little bit more, but also gives you the most amount of growth. These are what we would call your satellite investments. Now they have a smaller allocation because they can fluctuate a little bit more. So you can see, for example, the beta share cybersecurity, we are keeping in your portfolio just reducing that down to about 5% for you. We've also included 8% in Europe, 5% in Japan, and then 8% in one investment that's called Vanguard All World, but this one excludes The US because you already have exposure to The US US in the IHS S and P 500. And we also wanna make sure you're not through over, like, heavy in one area as well. Does that make sense? Yep. Perfect. And then you do have your exactly. That's what we want to do. And then for your defensive, like you said, keeping gold in your portfolio has done really well. So keeping that one, I'm just increasing it just slightly from 9.44 up to 10% for you and then also including a bit of fixed interest as well at our 14%. So limit fluctuations a little bit and give you some of that stabilization, but also the main focus is growing your super for you. Does that make sense? Yeah. Perfect. Now if it Yeah. And it is kind of focusing on less speculative investments in a way and trying to position things a little bit more, especially with everything going on in the world and the market as well. So keeping you very diversified, still wanna make sure we keep you in different areas and sectors that we believe are going to do well, but not paying as much kind of those thematic investments like the the India or the Raffy or your JPMorgan. So kind of shifting things a little bit for you. Yeah. That's what we do. Now if it is that you wanted to read up on those investments yourself as well, in the appendix, which is the second attachment, there will be investment links added to each of these investments for you if you wanna have a read over it. But the good thing as well is because things are always changing and evolving in the market, you never know what's going to happen. So it is important for us to do this every now and then, especially when there are market changes. Because the good thing with HubSpot twenty four is that it allows us to show the hundreds and hundreds of different options to choose from. So we can then tailor things and shop and change things for you. So making sure that whatever is going on right now is the best position for you. Now then, obviously, in, you know, a couple of years or twelve months, who knows what things are going to be? It's good to review and see what we want to do. But, obviously, your super is positioned for long term. We don't obviously day trade your investment, but we also wanna make sure we are proactive in making changes when needed. Yep. Not necessarily. So it is if we do because, obviously, the investment committee and stuff, we do meet all the time. And if there is anything drastic happening, then it's not like we wait and review time to make those changes for you. Yeah. So it's not like we're like, oh, yeah. Cool. We foresee a big rush, and we'll just leave you and see what happened. No. So we won't do that. So we obviously yeah. No. But, obviously, if things are moving and often as well with historical, there will be some ups and downs, things happen in the market, and we don't wanna be too reactive. But we also want to be on top of things if there are, you know, changes that's happening. Yeah. Yeah. In Hub twenty '4 as well. Do you have your the app downloaded on your mobile phone? Yep. Now when you yeah. So that's good. Now when you are in the app, you can actually go sometimes it's a little bit tricky to navigate because it is quite a sophisticated platform, But you can go into your account, and there is something that's called report features. Now this is usually what we then pull together for you, like your annual reviews and stuff, and you can actually pull different reports for different time frames. So if you wanted to do, yeah, like, a monthly or two months or three months or twelve months, like, you can change the different times so that you can see whatever it is that you want to look at. So it shows you, like, the returns and fees. So there's a lot of really cool reportings you can have a look at on the app. But you can always just call us as well if you wanna have a you know, if there's anything specific, but it is pretty handy on the app. Yes. Yeah. But, yeah, have a bit of a look around. If you do get stuck or you can't navigate, just let me know. Now our advice is site looks different, but because I have it on my mobile phone, I can always help navigate from a client facing point of view as well. Yeah. Yeah. And, obviously, our use of face we have access to all, like, the trading and everything like that, whereas that would be different, obviously, from the the client facing. But, yeah, because I have it on that side on my phone as well, if you do get stuck, just give me a call, and I can always help navigate it from from that end as well. No. That's alright. Now that is basically most of it, but if you scroll down through page 19, it just shows you the asset allocation. So you'll see your risk profile, which typically is around 80 to 20. It fluctuates between 80 up to 90 sometimes depending on where things obviously are, but aiming for around that. Now you can see your existing portfolio and your proposed portfolio, But you can see that even though you have at least a bit more growth in the proposed, not by much, though. We're still keeping about 15.08 in defensive and very much aligning with your growth profile as well. Yep. Now after that, you will see just some general information in regards to setting up a will. It is something I always recommend everyone to do. Here's just some information for you in regards to a will and then also power of attorney. If you do wanna have a bit of a read over that in your own time. And that just takes us through the end, which just shows you your remuneration, and that is on page 27. So let me know if you can see that. Now like I said in the under review, no changes whatsoever in regards to the fee structure. And because your partner is a client, we're keeping that reduced at the 1.1%. No changes whatsoever. And I have also just included your insurances with Encompass because we do get commission from them. But that is your insurer paying us. It is not you paying us. But for compliance purposes, we have to disclose that so that you are fully aware. And that is the same for every single insurer out there, so it doesn't sway us in any way to recommend one provider over the other. Does that make sense? Yep. And that was essentially everything. So pretty straightforward today. So, basically, from here, if you want to take some time, have a bit of a read over it, you're more than welcome to. But if you feel like you it all makes sense and you're happy to go ahead, then it would just be to sign that one document that then lets me know that you're happy with this change. It will come through to me digitally if you do, and then I will let the team know to go ahead and make these investments changes for you. Do you have any questions for me? The it it should automatically if you add the little signature, it should automatically add the the date. And then I think it says validate. Yes. Yep. And what does it say now for you? Yep. Yes. Sorry. It's been added there. If there is a you wanted to make any changes, you can type it out. But if there's no changes, otherwise, you could just do, like, a full stop or NA, and it should allow you to go through finish it. Yes. Yep. And when you press the validate, it should then have one of those cog wheels and load a little bit. And then when it usually, after a couple of minutes, it will then finish loading, and it will come through to me. So I will keep a little lookout for that. When that comes through, I'll let the team know, and we will go ahead and make this change for you. But like I said, if there's anything else that you need at any point in time, doesn't have to be, obviously, on review time. If there's anything that you need, don't hesitate to give us a call. No problem at all. Well, thank you so much for your time today, and I will let you go and enjoy the rest of your afternoon. Thanks. We'll speak soon. 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afternoon. This is Jaden. This is Veronica from XUV Financial. How are you? That's good.\n\nI had you booked in. It is a pretty quick one today just to go through the research I did on your super investment. Is now still a good time for you? Yeah. Perfect.\n\nNow just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I get you to confirm your full name, date of birth, and address, please? Yep. Perfect.\n\nNow, Jaden, do you have access to your emails at the moment? Yep. Okay. So I have just sent you an email with some documents that does have the recommendation in it. So let me know if that came through okay to you.\n\nAnd sometimes, yeah, it does end up in spam folder as well. Yes. Yes. Perfect. So if you can click on that one for me.\n\nNow when you click on the link signature request, it should still allow you to open up and view the documents before it prompts you to sign anything. So yes, please. Yep. And can you then see where it says overview financial statement of advice? Can you see the cover page there?\n\nYep. Perfect. Now like I said, I have done some research on your super investments and have made a recommendation on changing a couple of rounds. And every time we do make a recommendation for you for compliance purposes, we have to put everything in a statement of advice just so that you are fully aware and understand everything. Now it is pretty straightforward today.\n\nA lot of it is just for compliance purposes. So you will see it is 32 pages. I won't go through all of them because it is pretty straightforward today, and I'll let you have a read over it in your own time. But I'll go through what the actual changes look like. Now on the cover page, you can see that this has been tailored specifically for you.\n\nYou can see my details listed on the cover page as well, and you'll see my authorized representative number listed as well. Now on page two, it says the best interest duty. Have you ever heard of that before? Yes. Exactly.\n\nSo, yeah, it is something we always have to act in your best interest at all time. And then also that the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation essentially. Now if you scroll through for me through page three, you should see scope of advice. Yep.\n\nPerfect. So like I said, today is pretty straightforward. The things we are looking at is just your superannuation. Just having a having a bit of a review of your superannuation, making sure we put you in the best position possible so that you can retire at the age of 60 and ideally draw that same income, that you are on now. I have also just included some information in regards to estate planning for you.\n\nBut, otherwise, we're not making any changes in regards to insurances or anything else today for you. So pretty straightforward. Now as you scroll through for me, you will see our advice to you on page six that does outline the actual recommendations, which I will kind of talk you through as we go. If you then keep scrolling through, you will see just a couple of pages about you, just some personal information, your assets, and liabilities as well. And then on page nine, you will see your superannuation listed again and your insurances as well.\n\nI won't touch too much on your insurances because we did go through that in the annual review last time. Any questions so far? It was pretty straightforward. Yep. Ex exactly.\n\nIt's just literally putting it all inviting for you. Now page 10 talks about your risk profile, and we're not making any changes. We are keeping you in a growth portfolio. It's very suitable for you, where you are at and how you feel about risk tolerance and everything. Not making any changes in regards to that.\n\nLiterally just swapping some of those investments around for you. Now if you scroll down, I usually find the the easiest way is if you wanna scroll down to page 15 for me, you should see a fee comparison table. Yeah. Now, basically, what you scrolled past, just for your reference, it is basically what I will go through with you now. I often find it easier to look at it from this point of view, But what you scroll through is talking about how the recommendation follows that best interest duty for you, also talking about some advantages, disadvantages, and risks in regards to the recommendation along with alternatives.\n\nBut, essentially, I did research on your Hub twenty four account as well just to make sure it's still going to be the best option for you because there are always new products and features that comes out. So it is good to assess every now and then just to make sure. And for the time being, I have said or have recommended that we keep you in Hub 24. It's definitely a really good competitive option for you. It's very competitive when it comes to fees and features and investment flexibility, and I do use Hub 24 for my personal super as well.\n\nSo not changing your super fund, just your investment. And the good thing with hub twenty four is because it allows us to do so much when it comes to investments, which is what makes a difference. And when we are looking at come similar platforms like Macquarie and Netwealth, which you may have heard of, they were a little bit platforms like Macquarie and Netwealth, which you may have heard of, they were a little bit more expensive. And if Hub twenty four can do the same thing for you, then what's the point paying a little bit more for it? So, yeah, Hub twenty four is, yeah, where I have recommended to stay.\n\nNow you can see here that the recommendation to swap your investments is actually saving you a little bit in fees, which is great. So it is saving you about $812 a year, in fees alone, which is pretty good. Now in terms of the return difference, you can see that at the bottom. Now for this, I have used the five year rolling average for you to show you a little bit more consistency and certainty on the investment. But like I touched on last time, your Bennelong investment, which was the one specifically I wanted to look at changing, previously had done really well.\n\nSo looking five year rolling average, it was still doing really well. It was more so the the last twelve months, they've kind of underperformed. So even though it might not look like a massive difference here, only about 0.9% when we're looking a long term, it's saving you in fees and still improving the return. And on the next page, which is page 16, you can then actually see that reflected and projected forward for about five and ten years to show you that even though little bit of fees and returns still makes a pretty big difference, we are compounding everything for you. Yep.\n\nYeah. Yes. So it's actually on that page, so page 16. It shows you the return on the portfolio. So that is using a twelve month period.\n\nNow when it might be a little bit different to your actual portfolio after fees because this shows you the twelve month before fees, but then that also assumes buying at the start and selling at the end. Whereas it depends, obviously Yes. Correct. Yes. So twelve months.\n\nSo let me check exactly. I think it so so that that is showing you the four fees because then, obviously, in the projection factors in all of the fees for you. So what you actually had in your super is often a little bit different because we show you everything net of fees, but then it also depends on when you bought the investments. So this one, we obviously, when we pull all the reports, it takes it from, like, one point in during the year and then shows you twelve months. But if you bought, let's say, a week or two later or before, depending on what's going on in the market, it can vary a little bit.\n\nSo that is also why we are looking at, like, a longer period of time because long term, it doesn't matter too much. So, obviously, when you're looking a bit more short term, that's when it has a bigger impact. Does that make sense? Yes. Mhmm.\n\nYes. So let me have a look actually if I can get it up for you. So the last twelve months now this also, the report I have from when we did the annual review was from the May 18, and the market does fluctuate quite a bit and have actually come up a little bit recently, which is great. But when we are looking at from May to May, it was actually about 4.94. So what you actually did was a bit less than that.\n\nNow it kind of makes sense because the 4.94 is net of all fees versus the 8.97 is before all fees. Does that make sense? Yep. Yep. So the kind of like I said, looking long term, it's because Benelon had done really well.\n\nIt won't show as much of a difference. The more short term, that's when the Benelon started underperforming a little bit, and we obviously want to be proactive with making those changes, especially moving forward. If they're going to continue to be a little bit slower, we do wanna swap that out before it impacts you too much. Makes sense? Yep.\n\nNow the the good thing as well is that when we do sell and buy different investments or when you sell the investments, there are often capital gains tax associated with changing it. Now it does change on a daily as well. But when I did do all the research for you, the way that we were able to, recommend changing the investment, there is estimated to be no capital gains tax for you, which is great. Yeah. Now what that actually looks like, though, in terms of the investment changes is outlined on page 17, and it kind of spills over to page 18.\n\nCan you see that for me? Yep. Perfect. Now this might look a little bit messy, but everything you'll see on the first column is the investment and name. You will then see their special little code, your current waiting in it, how that reflects in the balance, and then the buy and sell column.\n\nSo what is red is what we are selling. What is black is either retaining, so keeping in your portfolio already but changing the weight, or buying new investments. So, basically, when would you put it together the portfolio? That all stays the same in terms of the philosophy. So we are still using that core satellite approach to investment, which basically means that we are investing majority of the funds in the core, which basically represents the backbone of the portfolio.\n\nAnd, essentially, these are, like, your passive index funds that have done really well and very diversified. So you can see that these are your biggest shareholding. So you can see, for example, the iShares S and P 500. You already have that in your portfolio exactly. This one, very diversified, invest in the 500 largest companies in The US.\n\nSo all, like, your Apple, Microsoft, Amazon, all the big companies, very diversified. Now what yes. Now what you then can see is the change from Bennelong, which we wanted to sell out of. We have replaced with another Australian investment, which is on page 18, and that is called your BetaShares Australia two hundred. Can you see where I'm at?\n\nYep. Now that one here, you invest in the 200 largest companies in Australia. So very diversified as well for you. Now your satellite investments, so these are the ones that can be a little bit more specialized, can fluctuate a little bit more, but also gives you the most amount of growth. These are what we would call your satellite investments.\n\nNow they have a smaller allocation because they can fluctuate a little bit more. So you can see, for example, the beta share cybersecurity, we are keeping in your portfolio just reducing that down to about 5% for you. We've also included 8% in Europe, 5% in Japan, and then 8% in one investment that's called Vanguard All World, but this one excludes The US because you already have exposure to The US US in the IHS S and P 500. And we also wanna make sure you're not through over, like, heavy in one area as well. Does that make sense?\n\nYep. Perfect. And then you do have your exactly. That's what we want to do. And then for your defensive, like you said, keeping gold in your portfolio has done really well.\n\nSo keeping that one, I'm just increasing it just slightly from 9.44 up to 10% for you and then also including a bit of fixed interest as well at our 14%. So limit fluctuations a little bit and give you some of that stabilization, but also the main focus is growing your super for you. Does that make sense? Yeah. Perfect.\n\nNow if it Yeah. And it is kind of focusing on less speculative investments in a way and trying to position things a little bit more, especially with everything going on in the world and the market as well. So keeping you very diversified, still wanna make sure we keep you in different areas and sectors that we believe are going to do well, but not paying as much kind of those thematic investments like the the India or the Raffy or your JPMorgan. So kind of shifting things a little bit for you. Yeah.\n\nThat's what we do. Now if it is that you wanted to read up on those investments yourself as well, in the appendix, which is the second attachment, there will be investment links added to each of these investments for you if you wanna have a read over it. But the good thing as well is because things are always changing and evolving in the market, you never know what's going to happen. So it is important for us to do this every now and then, especially when there are market changes. Because the good thing with HubSpot twenty four is that it allows us to show the hundreds and hundreds of different options to choose from.\n\nSo we can then tailor things and shop and change things for you. So making sure that whatever is going on right now is the best position for you. Now then, obviously, in, you know, a couple of years or twelve months, who knows what things are going to be? It's good to review and see what we want to do. But, obviously, your super is positioned for long term.\n\nWe don't obviously day trade your investment, but we also wanna make sure we are proactive in making changes when needed. Yep. Not necessarily. So it is if we do because, obviously, the investment committee and stuff, we do meet all the time. And if there is anything drastic happening, then it's not like we wait and review time to make those changes for you.\n\nYeah. So it's not like we're like, oh, yeah. Cool. We foresee a big rush, and we'll just leave you and see what happened. No.\n\nSo we won't do that. So we obviously yeah. No. But, obviously, if things are moving and often as well with historical, there will be some ups and downs, things happen in the market, and we don't wanna be too reactive. But we also want to be on top of things if there are, you know, changes that's happening.\n\nYeah. Yeah. In Hub twenty '4 as well. Do you have your the app downloaded on your mobile phone? Yep.\n\nNow when you yeah. So that's good. Now when you are in the app, you can actually go sometimes it's a little bit tricky to navigate because it is quite a sophisticated platform, But you can go into your account, and there is something that's called report features. Now this is usually what we then pull together for you, like your annual reviews and stuff, and you can actually pull different reports for different time frames. So if you wanted to do, yeah, like, a monthly or two months or three months or twelve months, like, you can change the different times so that you can see whatever it is that you want to look at.\n\nSo it shows you, like, the returns and fees. So there's a lot of really cool reportings you can have a look at on the app. But you can always just call us as well if you wanna have a you know, if there's anything specific, but it is pretty handy on the app. Yes. Yeah.\n\nBut, yeah, have a bit of a look around. If you do get stuck or you can't navigate, just let me know. Now our advice is site looks different, but because I have it on my mobile phone, I can always help navigate from a client facing point of view as well. Yeah. Yeah.\n\nAnd, obviously, our use of face we have access to all, like, the trading and everything like that, whereas that would be different, obviously, from the the client facing. But, yeah, because I have it on that side on my phone as well, if you do get stuck, just give me a call, and I can always help navigate it from from that end as well. No. That's alright. Now that is basically most of it, but if you scroll down through page 19, it just shows you the asset allocation.\n\nSo you'll see your risk profile, which typically is around 80 to 20. It fluctuates between 80 up to 90 sometimes depending on where things obviously are, but aiming for around that. Now you can see your existing portfolio and your proposed portfolio, But you can see that even though you have at least a bit more growth in the proposed, not by much, though. We're still keeping about 15.08 in defensive and very much aligning with your growth profile as well. Yep.\n\nNow after that, you will see just some general information in regards to setting up a will. It is something I always recommend everyone to do. Here's just some information for you in regards to a will and then also power of attorney. If you do wanna have a bit of a read over that in your own time. And that just takes us through the end, which just shows you your remuneration, and that is on page 27.\n\nSo let me know if you can see that. Now like I said in the under review, no changes whatsoever in regards to the fee structure. And because your partner is a client, we're keeping that reduced at the 1.1%. No changes whatsoever. And I have also just included your insurances with Encompass because we do get commission from them.\n\nBut that is your insurer paying us. It is not you paying us. But for compliance purposes, we have to disclose that so that you are fully aware. And that is the same for every single insurer out there, so it doesn't sway us in any way to recommend one provider over the other. Does that make sense?\n\nYep. And that was essentially everything. So pretty straightforward today. So, basically, from here, if you want to take some time, have a bit of a read over it, you're more than welcome to. But if you feel like you it all makes sense and you're happy to go ahead, then it would just be to sign that one document that then lets me know that you're happy with this change.\n\nIt will come through to me digitally if you do, and then I will let the team know to go ahead and make these investments changes for you. Do you have any questions for me? The it it should automatically if you add the little signature, it should automatically add the the date. And then I think it says validate. Yes.\n\nYep. And what does it say now for you? Yep. Yes. Sorry.\n\nIt's been added there. If there is a you wanted to make any changes, you can type it out. But if there's no changes, otherwise, you could just do, like, a full stop or NA, and it should allow you to go through finish it. Yes. Yep.\n\nAnd when you press the validate, it should then have one of those cog wheels and load a little bit. And then when it usually, after a couple of minutes, it will then finish loading, and it will come through to me. So I will keep a little lookout for that. When that comes through, I'll let the team know, and we will go ahead and make this change for you. But like I said, if there's anything else that you need at any point in time, doesn't have to be, obviously, on review time.\n\nIf there's anything that you need, don't hesitate to give us a call. No problem at all. Well, thank you so much for your time today, and I will let you go and enjoy the rest of your afternoon. Thanks. We'll speak soon.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":2.32,"end":3.04,"sentiment":"neutral","sentiment_score":0.2868749797344208},{"text":"This is Jaden.","start":3.04,"end":3.86,"sentiment":"neutral","sentiment_score":0.17393306394418082},{"text":"This is Veronica from XUV Financial.","start":5.7599998,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.18640251706043878},{"text":"How are you?","start":8.0,"end":8.82,"sentiment":"neutral","sentiment_score":0.16523351271947226},{"text":"That's good.","start":10.16,"end":11.139999,"sentiment":"positive","sentiment_score":0.678260087966919}],"sentiment":"neutral","sentiment_score":0.25413656048476696,"num_words":16,"start":2.32,"end":11.139999},{"sentences":[{"text":"I had you booked in.","start":11.84,"end":12.88,"sentiment":"positive","sentiment_score":0.4308930039405823},{"text":"It is a pretty quick one today just to go through the research I did on your super investment.","start":12.88,"end":17.485,"sentiment":"positive","sentiment_score":0.4105775230809262},{"text":"Is now still a good time for you?","start":17.545,"end":19.165,"sentiment":"neutral","sentiment_score":0.32283693738281727},{"text":"Yeah.","start":20.105,"end":20.585,"sentiment":"neutral","sentiment_score":0.20554667711257937},{"text":"Perfect.","start":20.585,"end":21.085,"sentiment":"positive","sentiment_score":0.3605363368988037}],"sentiment":"positive","sentiment_score":0.385418131509248,"num_words":34,"start":11.84,"end":21.085},{"sentences":[{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":21.465,"end":28.765,"sentiment":"neutral","sentiment_score":0.04694817073900124},{"text":"Perfect.","start":30.56,"end":31.06,"sentiment":"neutral","sentiment_score":0.2876291573047638},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I get you to confirm your full name, date of birth, and address, please?","start":31.119999,"end":39.14,"sentiment":"neutral","sentiment_score":0.11289722422758738},{"text":"Yep.","start":45.454998,"end":45.855,"sentiment":"neutral","sentiment_score":0.09285831451416016},{"text":"Perfect.","start":45.855,"end":46.355,"sentiment":"neutral","sentiment_score":0.23233424127101895}],"sentiment":"neutral","sentiment_score":0.08647153857013871,"num_words":62,"start":21.465,"end":46.355},{"sentences":[{"text":"Now, Jaden, do you have access to your emails at the moment?","start":46.815,"end":49.475,"sentiment":"neutral","sentiment_score":0.03318053763359785},{"text":"Yep.","start":50.735,"end":51.055,"sentiment":"neutral","sentiment_score":0.0165892131626606},{"text":"Okay.","start":51.055,"end":51.555,"sentiment":"neutral","sentiment_score":0.02136339247226715},{"text":"So I have just sent you an email with some documents that does have the recommendation in it.","start":51.695,"end":58.81,"sentiment":"neutral","sentiment_score":0.04989729676809576},{"text":"So let me know if that came through okay to you.","start":59.27,"end":62.170002,"sentiment":"neutral","sentiment_score":0.09281263229521838}],"sentiment":"neutral","sentiment_score":0.05477231056537739,"num_words":43,"start":46.815,"end":62.170002},{"sentences":[{"text":"And sometimes, yeah, it does end up in spam folder as well.","start":63.91,"end":67.130005,"sentiment":"neutral","sentiment_score":-0.21358889217178026},{"text":"Yes.","start":72.725,"end":73.225,"sentiment":"neutral","sentiment_score":0.015189848840236664},{"text":"Yes.","start":74.325,"end":74.725,"sentiment":"neutral","sentiment_score":0.10527002066373824},{"text":"Perfect.","start":74.725,"end":75.205,"sentiment":"neutral","sentiment_score":0.2163677513599396},{"text":"So if you can click on that one for me.","start":75.205,"end":77.465,"sentiment":"neutral","sentiment_score":0.1260085240006447}],"sentiment":"neutral","sentiment_score":-0.038646153807640075,"num_words":25,"start":63.91,"end":77.465},{"sentences":[{"text":"Now when you click on the link signature request, it should still allow you to open up and view the documents before it prompts you to sign anything.","start":78.325,"end":86.14,"sentiment":"neutral","sentiment_score":0.11166821672980275},{"text":"So yes, please.","start":90.119995,"end":92.03999,"sentiment":"neutral","sentiment_score":0.032267264711360134},{"text":"Yep.","start":92.03999,"end":92.53999,"sentiment":"neutral","sentiment_score":0.04549505561590195},{"text":"And can you then see where it says overview financial statement of advice?","start":94.92,"end":98.774994,"sentiment":"neutral","sentiment_score":0.024401448093927823},{"text":"Can you see the cover page there?","start":98.774994,"end":100.475,"sentiment":"neutral","sentiment_score":0.013677658247096198}],"sentiment":"neutral","sentiment_score":0.07080710290644604,"num_words":52,"start":78.325,"end":100.475},{"sentences":[{"text":"Yep.","start":101.814995,"end":102.295,"sentiment":"neutral","sentiment_score":0.09289346635341644},{"text":"Perfect.","start":102.295,"end":102.795,"sentiment":"neutral","sentiment_score":0.22953036427497864},{"text":"Now like I said, I have done some research on your super investments and have made a recommendation on changing a couple of rounds.","start":103.895,"end":111.674995,"sentiment":"neutral","sentiment_score":0.12331852534164985},{"text":"And every time we do make a recommendation for you for compliance purposes, we have to put everything in a statement of advice just so that you are fully aware and understand everything.","start":112.729996,"end":123.07,"sentiment":"neutral","sentiment_score":0.12333214824849908},{"text":"Now it is pretty straightforward today.","start":123.53,"end":125.45,"sentiment":"neutral","sentiment_score":0.3246667981147766}],"sentiment":"neutral","sentiment_score":0.14307738645718648,"num_words":65,"start":101.814995,"end":125.45},{"sentences":[{"text":"A lot of it is just for compliance purposes.","start":125.45,"end":128.505,"sentiment":"neutral","sentiment_score":0.14011286861366695},{"text":"So you will see it is 32 pages.","start":128.505,"end":130.445,"sentiment":"neutral","sentiment_score":0.08465591398999095},{"text":"I won't go through all of them because it is pretty straightforward today, and I'll let you have a read over it in your own time.","start":130.66501,"end":136.605,"sentiment":"neutral","sentiment_score":0.1329602263867855},{"text":"But I'll go through what the actual changes look like.","start":136.66501,"end":140.205,"sentiment":"neutral","sentiment_score":0.020581208169460297},{"text":"Now on the cover page, you can see that this has been tailored specifically for you.","start":141.02,"end":145.5,"sentiment":"neutral","sentiment_score":0.16787014342844486}],"sentiment":"neutral","sentiment_score":0.1201009187253489,"num_words":69,"start":125.45,"end":145.5},{"sentences":[{"text":"You can see my details listed on the cover page as well, and you'll see my authorized representative number listed as well.","start":145.5,"end":152.16,"sentiment":"neutral","sentiment_score":0.13613473522392186},{"text":"Now on page two, it says the best interest duty.","start":153.01999,"end":157.495,"sentiment":"neutral","sentiment_score":0.020908462814986706},{"text":"Have you ever heard of that before?","start":157.555,"end":159.015,"sentiment":"neutral","sentiment_score":0.0003113410036478724},{"text":"Yes.","start":168.84,"end":169.34,"sentiment":"neutral","sentiment_score":0.04769483208656311},{"text":"Exactly.","start":170.52,"end":171.02,"sentiment":"neutral","sentiment_score":0.1412624567747116}],"sentiment":"neutral","sentiment_score":0.0828094019259258,"num_words":41,"start":145.5,"end":171.02},{"sentences":[{"text":"So, yeah, it is something we always have to act in your best interest at all time.","start":171.16,"end":176.45999,"sentiment":"neutral","sentiment_score":0.2126042290645487},{"text":"And then also that the advice itself has to put you in a better position as a result of the advice.","start":176.92,"end":182.245,"sentiment":"neutral","sentiment_score":0.04899998142250946},{"text":"Otherwise, we can't actually make the recommendation essentially.","start":182.245,"end":184.985,"sentiment":"neutral","sentiment_score":-0.11577483732253313},{"text":"Now if you scroll through for me through page three, you should see scope of advice.","start":186.485,"end":195.99,"sentiment":"neutral","sentiment_score":0.06502168555743992},{"text":"Yep.","start":197.56999,"end":197.97,"sentiment":"neutral","sentiment_score":0.22168681025505063}],"sentiment":"neutral","sentiment_score":0.07903343785021986,"num_words":63,"start":171.16,"end":197.97},{"sentences":[{"text":"Perfect.","start":197.97,"end":198.47,"sentiment":"positive","sentiment_score":0.539063572883606},{"text":"So like I said, today is pretty straightforward.","start":198.84999,"end":201.27,"sentiment":"positive","sentiment_score":0.4746757745742798},{"text":"The things we are looking at is just your superannuation.","start":201.41,"end":203.98999,"sentiment":"neutral","sentiment_score":0.2879858329892159},{"text":"Just having a having a bit of a review of your superannuation, making sure we put you in the best position possible so that you can retire at the age of 60 and ideally draw that same income, that you are on now.","start":205.25,"end":218.35501,"sentiment":"neutral","sentiment_score":0.30872698890608413},{"text":"I have also just included some information in regards to estate planning for you.","start":218.81,"end":224.51,"sentiment":"neutral","sentiment_score":0.1954872884920665}],"sentiment":"neutral","sentiment_score":0.30563698238448095,"num_words":76,"start":197.97,"end":224.51},{"sentences":[{"text":"But, otherwise, we're not making any changes in regards to insurances or anything else today for you.","start":224.73,"end":230.09,"sentiment":"neutral","sentiment_score":0.0023063274429124944},{"text":"So pretty straightforward.","start":230.09,"end":231.23,"sentiment":"positive","sentiment_score":0.36788753668467206},{"text":"Now as you scroll through for me, you will see our advice to you on page six that does outline the actual recommendations, which I will kind of talk you through as we go.","start":233.335,"end":247.115,"sentiment":"neutral","sentiment_score":0.16603689640760422},{"text":"If you then keep scrolling through, you will see just a couple of pages about you, just some personal information, your assets, and liabilities as well.","start":248.52,"end":257.34,"sentiment":"neutral","sentiment_score":0.11517301631661561},{"text":"And then on page nine, you will see your superannuation listed again and your insurances as well.","start":258.12,"end":266.215,"sentiment":"neutral","sentiment_score":0.10976921898477218}],"sentiment":"neutral","sentiment_score":0.12008968867438356,"num_words":97,"start":224.73,"end":266.215},{"sentences":[{"text":"I won't touch too much on your insurances because we did go through that in the annual review last time.","start":266.215,"end":270.715,"sentiment":"neutral","sentiment_score":-0.0008719685953110457},{"text":"Any questions so far?","start":270.775,"end":271.895,"sentiment":"neutral","sentiment_score":0.055929772555828094},{"text":"It was pretty straightforward.","start":271.895,"end":273.035,"sentiment":"positive","sentiment_score":0.4105820283293724},{"text":"Yep.","start":274.65997,"end":275.15997,"sentiment":"neutral","sentiment_score":0.08648481220006943},{"text":"Ex exactly.","start":276.18,"end":277.46,"sentiment":"neutral","sentiment_score":0.030067129991948605}],"sentiment":"neutral","sentiment_score":0.06436215818769508,"num_words":31,"start":266.215,"end":277.46},{"sentences":[{"text":"It's just literally putting it all inviting for you.","start":277.46,"end":279.8,"sentiment":"positive","sentiment_score":0.7414437201288011},{"text":"Now page 10 talks about your risk profile, and we're not making any changes.","start":280.9,"end":286.815,"sentiment":"neutral","sentiment_score":-0.0656336492725781},{"text":"We are keeping you in a growth portfolio.","start":286.815,"end":289.13498,"sentiment":"neutral","sentiment_score":0.18600337207317352},{"text":"It's very suitable for you, where you are at and how you feel about risk tolerance and everything.","start":289.13498,"end":293.715,"sentiment":"neutral","sentiment_score":0.2346261681781875},{"text":"Not making any changes in regards to that.","start":294.335,"end":296.735,"sentiment":"neutral","sentiment_score":-0.1551933642476797}],"sentiment":"neutral","sentiment_score":0.17936620142376214,"num_words":57,"start":277.46,"end":296.735},{"sentences":[{"text":"Literally just swapping some of those investments around for you.","start":296.735,"end":300.42,"sentiment":"neutral","sentiment_score":0.07422333396971226},{"text":"Now if you scroll down, I usually find the the easiest way is if you wanna scroll down to page 15 for me, you should see a fee comparison table.","start":302.5,"end":313.32,"sentiment":"neutral","sentiment_score":0.1061112189044555},{"text":"Yeah.","start":315.46503,"end":315.96503,"sentiment":"neutral","sentiment_score":0.09355898201465608},{"text":"Now, basically, what you scrolled past, just for your reference, it is basically what I will go through with you now.","start":316.42502,"end":322.345,"sentiment":"neutral","sentiment_score":0.08378019804755847},{"text":"I often find it easier to look at it from this point of view, But what you scroll through is talking about how the recommendation follows that best interest duty for you, also talking about some advantages, disadvantages, and risks in regards to the recommendation along with alternatives.","start":322.345,"end":343.08502,"sentiment":"neutral","sentiment_score":0.04456245499507835}],"sentiment":"neutral","sentiment_score":0.07197737170552665,"num_words":110,"start":296.735,"end":343.08502},{"sentences":[{"text":"But, essentially, I did research on your Hub twenty four account as well just to make sure it's still going to be the best option for you because there are always new products and features that comes out.","start":343.785,"end":355.18,"sentiment":"neutral","sentiment_score":0.1616376676645718},{"text":"So it is good to assess every now and then just to make sure.","start":355.18,"end":358.88,"sentiment":"neutral","sentiment_score":0.12872491564069474},{"text":"And for the time being, I have said or have recommended that we keep you in Hub 24.","start":359.26,"end":363.98,"sentiment":"neutral","sentiment_score":0.2576848475469483},{"text":"It's definitely a really good competitive option for you.","start":363.98,"end":367.2,"sentiment":"positive","sentiment_score":0.6706137392255995},{"text":"It's very competitive when it comes to fees and features and investment flexibility, and I do use Hub 24 for my personal super as well.","start":367.785,"end":376.04498,"sentiment":"positive","sentiment_score":0.4685335266590118}],"sentiment":"neutral","sentiment_score":0.29164970447667515,"num_words":104,"start":343.785,"end":376.04498},{"sentences":[{"text":"So not changing your super fund, just your investment.","start":376.10498,"end":379.805,"sentiment":"neutral","sentiment_score":0.09036876178450054},{"text":"And the good thing with hub twenty four is because it allows us to do so much when it comes to investments, which is what makes a difference.","start":383.91,"end":390.33002,"sentiment":"positive","sentiment_score":0.47239396401814054},{"text":"And when we are looking at come similar platforms like Macquarie and Netwealth, which you may have heard of, they were a little bit platforms like Macquarie and Netwealth, which you may have heard of, they were a little bit more expensive.","start":390.63,"end":398.61502,"sentiment":"neutral","sentiment_score":-0.02715576063132002},{"text":"And if Hub twenty four can do the same thing for you, then what's the point paying a little bit more for it?","start":398.99503,"end":404.375,"sentiment":"neutral","sentiment_score":0.06315460373930958},{"text":"So, yeah, Hub twenty four is, yeah, where I have recommended to stay.","start":404.67502,"end":409.33502,"sentiment":"neutral","sentiment_score":0.21976407903891343}],"sentiment":"neutral","sentiment_score":0.14964605926576516,"num_words":115,"start":376.10498,"end":409.33502},{"sentences":[{"text":"Now you can see here that the recommendation to swap your investments is actually saving you a little bit in fees, which is great.","start":410.01,"end":418.65,"sentiment":"positive","sentiment_score":0.5916566054026285},{"text":"So it is saving you about $812 a year, in fees alone, which is pretty good.","start":418.65,"end":425.47,"sentiment":"positive","sentiment_score":0.6527488529682159},{"text":"Now in terms of the return difference, you can see that at the bottom.","start":427.265,"end":431.845,"sentiment":"neutral","sentiment_score":0.14616977210555757},{"text":"Now for this, I have used the five year rolling average for you to show you a little bit more consistency and certainty on the investment.","start":432.305,"end":440.64502,"sentiment":"neutral","sentiment_score":0.22122877979507813},{"text":"But like I touched on last time, your Bennelong investment, which was the one specifically I wanted to look at changing, previously had done really well.","start":441.88998,"end":451.81,"sentiment":"neutral","sentiment_score":0.12517575747691667}],"sentiment":"positive","sentiment_score":0.336760707129285,"num_words":106,"start":410.01,"end":451.81},{"sentences":[{"text":"So looking five year rolling average, it was still doing really well.","start":451.81,"end":454.69,"sentiment":"neutral","sentiment_score":0.26754751056432724},{"text":"It was more so the the last twelve months, they've kind of underperformed.","start":454.69,"end":459.055,"sentiment":"neutral","sentiment_score":-0.14592181490017817},{"text":"So even though it might not look like a massive difference here, only about 0.9% when we're looking a long term, it's saving you in fees and still improving the return.","start":460.23502,"end":470.495,"sentiment":"neutral","sentiment_score":0.2763875153276228},{"text":"And on the next page, which is page 16, you can then actually see that reflected and projected forward for about five and ten years to show you that even though little bit of fees and returns still makes a pretty big difference, we are compounding everything for you.","start":471.07,"end":487.035,"sentiment":"neutral","sentiment_score":0.187449647607852},{"text":"Yep.","start":488.375,"end":488.875,"sentiment":"neutral","sentiment_score":0.02704758755862713}],"sentiment":"neutral","sentiment_score":0.18012905498650275,"num_words":106,"start":451.81,"end":488.875},{"sentences":[{"text":"Yeah.","start":489.255,"end":489.755,"sentiment":"neutral","sentiment_score":0.024496469646692276},{"text":"Yes.","start":494.615,"end":495.115,"sentiment":"neutral","sentiment_score":0.030086424201726913},{"text":"So it's actually on that page, so page 16.","start":495.335,"end":498.39502,"sentiment":"neutral","sentiment_score":0.03612442335320844},{"text":"It shows you the return on the portfolio.","start":499.44998,"end":503.06998,"sentiment":"neutral","sentiment_score":0.030469925026409328},{"text":"So that is using a twelve month period.","start":503.93,"end":506.75,"sentiment":"neutral","sentiment_score":0.01798723661340773}],"sentiment":"neutral","sentiment_score":0.0284207406350308,"num_words":27,"start":489.255,"end":506.75},{"sentences":[{"text":"Now when it might be a little bit different to your actual portfolio after fees because this shows you the twelve month before fees, but then that also assumes buying at the start and selling at the end.","start":506.88998,"end":521.205,"sentiment":"neutral","sentiment_score":0.011077212316817358},{"text":"Whereas it depends, obviously Yes.","start":521.505,"end":524.885,"sentiment":"neutral","sentiment_score":-0.012363377027213573},{"text":"Correct.","start":526.86505,"end":527.36505,"sentiment":"neutral","sentiment_score":0.008644510060548782},{"text":"Yes.","start":527.66504,"end":528.145,"sentiment":"neutral","sentiment_score":0.011272791773080826},{"text":"So twelve months.","start":528.145,"end":529.445,"sentiment":"neutral","sentiment_score":-0.0042951259141167}],"sentiment":"neutral","sentiment_score":0.007628106395713985,"num_words":48,"start":506.88998,"end":529.445},{"sentences":[{"text":"So let me check exactly.","start":531.71,"end":533.97003,"sentiment":"neutral","sentiment_score":-0.005650009959936142},{"text":"I think it so so that that is showing you the four fees because then, obviously, in the projection factors in all of the fees for you.","start":534.03,"end":541.01,"sentiment":"neutral","sentiment_score":0.053286852315068245},{"text":"So what you actually had in your super is often a little bit different because we show you everything net of fees, but then it also depends on when you bought the investments.","start":542.435,"end":555.495,"sentiment":"neutral","sentiment_score":0.05537892324906407},{"text":"So this one, we obviously, when we pull all the reports, it takes it from, like, one point in during the year and then shows you twelve months.","start":556.13,"end":564.07,"sentiment":"neutral","sentiment_score":0.05390591247539435},{"text":"But if you bought, let's say, a week or two later or before, depending on what's going on in the market, it can vary a little bit.","start":564.21,"end":571.725,"sentiment":"neutral","sentiment_score":0.0030355502471879677}],"sentiment":"neutral","sentiment_score":0.04024437363259494,"num_words":120,"start":531.71,"end":571.725},{"sentences":[{"text":"So that is also why we are looking at, like, a longer period of time because long term, it doesn't matter too much.","start":571.88495,"end":577.505,"sentiment":"neutral","sentiment_score":0.07785342779496442},{"text":"So, obviously, when you're looking a bit more short term, that's when it has a bigger impact.","start":577.565,"end":581.58496,"sentiment":"neutral","sentiment_score":0.17566043269984863},{"text":"Does that make sense?","start":582.125,"end":583.185,"sentiment":"neutral","sentiment_score":0.19851996004581451},{"text":"Yes.","start":584.22,"end":584.72,"sentiment":"neutral","sentiment_score":0.3148066997528076},{"text":"Mhmm.","start":592.77997,"end":592.94,"sentiment":"neutral","sentiment_score":0.10079292953014374}],"sentiment":"neutral","sentiment_score":0.1301420796662569,"num_words":46,"start":571.88495,"end":592.94},{"sentences":[{"text":"Yes.","start":592.94,"end":593.44,"sentiment":"neutral","sentiment_score":0.1413373351097107},{"text":"So let me have a look actually if I can get it up for you.","start":593.66,"end":597.27997,"sentiment":"neutral","sentiment_score":0.14311632961034776},{"text":"So the last twelve months now this also, the report I have from when we did the annual review was from the May 18, and the market does fluctuate quite a bit and have actually come up a little bit recently, which is great.","start":607.625,"end":623.64,"sentiment":"neutral","sentiment_score":0.09883794247765433},{"text":"But when we are looking at from May to May, it was actually about 4.94.","start":623.64,"end":630.47504,"sentiment":"neutral","sentiment_score":0.00348758976906538},{"text":"So what you actually did was a bit less than that.","start":631.09503,"end":636.055,"sentiment":"neutral","sentiment_score":-0.05608613687482747}],"sentiment":"neutral","sentiment_score":0.07060834987435577,"num_words":86,"start":592.94,"end":636.055},{"sentences":[{"text":"Now it kind of makes sense because the 4.94 is net of all fees versus the 8.97 is before all fees.","start":636.055,"end":645.94,"sentiment":"neutral","sentiment_score":0.06787307045999028},{"text":"Does that make sense?","start":647.36,"end":648.58,"sentiment":"neutral","sentiment_score":0.10436590202152729},{"text":"Yep.","start":650.0,"end":650.32,"sentiment":"neutral","sentiment_score":0.14918439090251925},{"text":"Yep.","start":650.32,"end":650.82,"sentiment":"neutral","sentiment_score":0.1672339290380478},{"text":"So the kind of like I said, looking long term, it's because Benelon had done really well.","start":651.04,"end":656.97504,"sentiment":"neutral","sentiment_score":0.1470753839787315}],"sentiment":"neutral","sentiment_score":0.10589768034829335,"num_words":44,"start":636.055,"end":656.97504},{"sentences":[{"text":"It won't show as much of a difference.","start":656.97504,"end":659.155,"sentiment":"neutral","sentiment_score":-0.09391606226563454},{"text":"The more short term, that's when the Benelon started underperforming a little bit, and we obviously want to be proactive with making those changes, especially moving forward.","start":659.615,"end":669.91,"sentiment":"neutral","sentiment_score":0.10033670036743085},{"text":"If they're going to continue to be a little bit slower, we do wanna swap that out before it impacts you too much.","start":669.91,"end":675.85,"sentiment":"neutral","sentiment_score":-0.14952065309752588},{"text":"Makes sense?","start":677.43,"end":678.17,"sentiment":"neutral","sentiment_score":0.019757811445742846},{"text":"Yep.","start":679.02997,"end":679.365,"sentiment":"neutral","sentiment_score":0.1949617564678192}],"sentiment":"neutral","sentiment_score":-0.02043828246046285,"num_words":61,"start":656.97504,"end":679.365},{"sentences":[{"text":"Now the the good thing as well is that when we do sell and buy different investments or when you sell the investments, there are often capital gains tax associated with changing it.","start":679.605,"end":689.865,"sentiment":"neutral","sentiment_score":0.2222519593708443},{"text":"Now it does change on a daily as well.","start":690.08496,"end":693.305,"sentiment":"neutral","sentiment_score":0.15031723346975115},{"text":"But when I did do all the research for you, the way that we were able to, recommend changing the investment, there is estimated to be no capital gains tax for you, which is great.","start":693.65,"end":703.67,"sentiment":"positive","sentiment_score":0.41178150687898907},{"text":"Yeah.","start":706.895,"end":707.375,"sentiment":"neutral","sentiment_score":0.1501409262418747},{"text":"Now what that actually looks like, though, in terms of the investment changes is outlined on page 17, and it kind of spills over to page 18.","start":707.375,"end":718.35504,"sentiment":"neutral","sentiment_score":0.07854872155520651}],"sentiment":"neutral","sentiment_score":0.24162360866154944,"num_words":105,"start":679.605,"end":718.35504},{"sentences":[{"text":"Can you see that for me?","start":718.495,"end":719.76,"sentiment":"neutral","sentiment_score":0.045858835180600487},{"text":"Yep.","start":720.96,"end":721.44,"sentiment":"neutral","sentiment_score":0.14900022745132446},{"text":"Perfect.","start":721.44,"end":721.94,"sentiment":"neutral","sentiment_score":0.3094556927680969},{"text":"Now this might look a little bit messy, but everything you'll see on the first column is the investment and name.","start":722.0,"end":728.34,"sentiment":"neutral","sentiment_score":0.08290826121256464},{"text":"You will then see their special little code, your current waiting in it, how that reflects in the balance, and then the buy and sell column.","start":728.72003,"end":737.805,"sentiment":"neutral","sentiment_score":0.07601540019878975}],"sentiment":"neutral","sentiment_score":0.08092877858064391,"num_words":55,"start":718.495,"end":737.805},{"sentences":[{"text":"So what is red is what we are selling.","start":737.805,"end":740.785,"sentiment":"neutral","sentiment_score":0.015490047012766203},{"text":"What is black is either retaining, so keeping in your portfolio already but changing the weight, or buying new investments.","start":741.40497,"end":750.35,"sentiment":"neutral","sentiment_score":0.0005114197032526135},{"text":"So, basically, when would you put it together the portfolio?","start":752.01,"end":755.70996,"sentiment":"neutral","sentiment_score":0.04695863425731659},{"text":"That all stays the same in terms of the philosophy.","start":755.93,"end":758.43,"sentiment":"neutral","sentiment_score":0.10814787894487381},{"text":"So we are still using that core satellite approach to investment, which basically means that we are investing majority of the funds in the core, which basically represents the backbone of the portfolio.","start":758.64996,"end":770.60504,"sentiment":"neutral","sentiment_score":0.11407281345490253}],"sentiment":"neutral","sentiment_score":0.06664764381967848,"num_words":82,"start":737.805,"end":770.60504},{"sentences":[{"text":"And, essentially, these are, like, your passive index funds that have done really well and very diversified.","start":770.905,"end":775.805,"sentiment":"neutral","sentiment_score":0.16964547555236256},{"text":"So you can see that these are your biggest shareholding.","start":776.68005,"end":779.5,"sentiment":"neutral","sentiment_score":0.12685064747929573},{"text":"So you can see, for example, the iShares S and P 500.","start":779.80005,"end":783.5,"sentiment":"neutral","sentiment_score":0.07307043671607971},{"text":"You already have that in your portfolio exactly.","start":783.80005,"end":786.86005,"sentiment":"neutral","sentiment_score":0.05511739710345864},{"text":"This one, very diversified, invest in the 500 largest companies in The US.","start":787.96,"end":792.29504,"sentiment":"neutral","sentiment_score":0.09788493410899089}],"sentiment":"neutral","sentiment_score":0.11237946866701047,"num_words":60,"start":770.905,"end":792.29504},{"sentences":[{"text":"So all, like, your Apple, Microsoft, Amazon, all the big companies, very diversified.","start":792.29504,"end":797.03503,"sentiment":"neutral","sentiment_score":0.13260655792859885},{"text":"Now what yes.","start":798.215,"end":800.395,"sentiment":"neutral","sentiment_score":0.05455300956964493},{"text":"Now what you then can see is the change from Bennelong, which we wanted to sell out of.","start":800.935,"end":808.85,"sentiment":"neutral","sentiment_score":0.03187813258005513},{"text":"We have replaced with another Australian investment, which is on page 18, and that is called your BetaShares Australia two hundred.","start":809.79,"end":819.81,"sentiment":"neutral","sentiment_score":0.0637408567681199},{"text":"Can you see where I'm at?","start":821.665,"end":822.865,"sentiment":"neutral","sentiment_score":0.04645279981195927}],"sentiment":"neutral","sentiment_score":0.06686271244629485,"num_words":61,"start":792.29504,"end":822.865},{"sentences":[{"text":"Yep.","start":822.865,"end":823.365,"sentiment":"neutral","sentiment_score":0.07769700139760971},{"text":"Now that one here, you invest in the 200 largest companies in Australia.","start":823.505,"end":828.485,"sentiment":"neutral","sentiment_score":0.10705073464375275},{"text":"So very diversified as well for you.","start":830.545,"end":833.685,"sentiment":"positive","sentiment_score":0.5811596895967212},{"text":"Now your satellite investments, so these are the ones that can be a little bit more specialized, can fluctuate a little bit more, but also gives you the most amount of growth.","start":834.85,"end":845.75,"sentiment":"neutral","sentiment_score":0.21619061613455415},{"text":"These are what we would call your satellite investments.","start":846.435,"end":849.075,"sentiment":"neutral","sentiment_score":0.16473483542601267}],"sentiment":"neutral","sentiment_score":0.2248094776465047,"num_words":62,"start":822.865,"end":849.075},{"sentences":[{"text":"Now they have a smaller allocation because they can fluctuate a little bit more.","start":849.075,"end":854.135,"sentiment":"neutral","sentiment_score":0.0884900079774005},{"text":"So you can see, for example, the beta share cybersecurity, we are keeping in your portfolio just reducing that down to about 5% for you.","start":854.515,"end":863.63,"sentiment":"neutral","sentiment_score":0.16352747291326522},{"text":"We've also included 8% in Europe, 5% in Japan, and then 8% in one investment that's called Vanguard All World, but this one excludes The US because you already have exposure to The US US in the IHS S and P 500.","start":864.88995,"end":883.525,"sentiment":"neutral","sentiment_score":0.04825416278271448},{"text":"And we also wanna make sure you're not through over, like, heavy in one area as well.","start":883.745,"end":888.385,"sentiment":"neutral","sentiment_score":0.004888615406611387},{"text":"Does that make sense?","start":888.385,"end":889.525,"sentiment":"neutral","sentiment_score":0.06081215851008892}],"sentiment":"neutral","sentiment_score":0.07529487124845094,"num_words":102,"start":849.075,"end":889.525},{"sentences":[{"text":"Yep.","start":889.905,"end":890.22,"sentiment":"neutral","sentiment_score":0.1478727161884308},{"text":"Perfect.","start":890.45996,"end":890.95996,"sentiment":"positive","sentiment_score":0.4389321804046631},{"text":"And then you do have your exactly.","start":891.18,"end":893.92,"sentiment":"neutral","sentiment_score":0.18773155127252852},{"text":"That's what we want to do.","start":894.3,"end":895.83997,"sentiment":"neutral","sentiment_score":0.2730433891216914},{"text":"And then for your defensive, like you said, keeping gold in your portfolio has done really well.","start":896.3,"end":901.12,"sentiment":"positive","sentiment_score":0.3685738812474644}],"sentiment":"neutral","sentiment_score":0.30640443973243237,"num_words":32,"start":889.905,"end":901.12},{"sentences":[{"text":"So keeping that one, I'm just increasing it just slightly from 9.44 up to 10% for you and then also including a bit of fixed interest as well at our 14%.","start":901.89996,"end":913.545,"sentiment":"neutral","sentiment_score":0.29452807095742994},{"text":"So limit fluctuations a little bit and give you some of that stabilization, but also the main focus is growing your super for you.","start":913.545,"end":920.88,"sentiment":"neutral","sentiment_score":0.32246200802425545},{"text":"Does that make sense?","start":920.88,"end":921.86,"sentiment":"neutral","sentiment_score":0.16936051845550537},{"text":"Yeah.","start":923.12,"end":923.51996,"sentiment":"neutral","sentiment_score":0.25595682859420776},{"text":"Perfect.","start":923.51996,"end":924.01996,"sentiment":"positive","sentiment_score":0.45872586965560913}],"sentiment":"neutral","sentiment_score":0.29937021580875894,"num_words":61,"start":901.89996,"end":924.01996},{"sentences":[{"text":"Now if it Yeah.","start":924.24,"end":931.055,"sentiment":"neutral","sentiment_score":0.07275008037686348},{"text":"And it is kind of focusing on less speculative investments in a way and trying to position things a little bit more, especially with everything going on in the world and the market as well.","start":931.055,"end":943.99,"sentiment":"neutral","sentiment_score":0.13111844688121763},{"text":"So keeping you very diversified, still wanna make sure we keep you in different areas and sectors that we believe are going to do well, but not paying as much kind of those thematic investments like the the India or the Raffy or your JPMorgan.","start":943.99,"end":960.11505,"sentiment":"neutral","sentiment_score":0.11557694180972046},{"text":"So kind of shifting things a little bit for you.","start":961.05505,"end":964.11505,"sentiment":"neutral","sentiment_score":0.11139563061296939},{"text":"Yeah.","start":966.26996,"end":966.76996,"sentiment":"neutral","sentiment_score":0.17122972011566162}],"sentiment":"neutral","sentiment_score":0.1196452038950826,"num_words":95,"start":924.24,"end":966.76996},{"sentences":[{"text":"That's what we do.","start":967.70996,"end":968.93,"sentiment":"neutral","sentiment_score":0.19543251022696495},{"text":"Now if it is that you wanted to read up on those investments yourself as well, in the appendix, which is the second attachment, there will be investment links added to each of these investments for you if you wanna have a read over it.","start":969.07,"end":983.565,"sentiment":"neutral","sentiment_score":0.13491577125257917},{"text":"But the good thing as well is because things are always changing and evolving in the market, you never know what's going to happen.","start":983.705,"end":989.645,"sentiment":"neutral","sentiment_score":0.22358287001649538},{"text":"So it is important for us to do this every now and then, especially when there are market changes.","start":989.945,"end":995.48505,"sentiment":"neutral","sentiment_score":0.21325825233208506},{"text":"Because the good thing with HubSpot twenty four is that it allows us to show the hundreds and hundreds of different options to choose from.","start":996.29,"end":1001.99,"sentiment":"positive","sentiment_score":0.4247854137420654}],"sentiment":"neutral","sentiment_score":0.22983308346607748,"num_words":117,"start":967.70996,"end":1001.99},{"sentences":[{"text":"So we can then tailor things and shop and change things for you.","start":1002.13,"end":1005.67,"sentiment":"positive","sentiment_score":0.38604442889873797},{"text":"So making sure that whatever is going on right now is the best position for you.","start":1006.61,"end":1011.375,"sentiment":"neutral","sentiment_score":0.3286549560725689},{"text":"Now then, obviously, in, you know, a couple of years or twelve months, who knows what things are going to be?","start":1011.615,"end":1016.575,"sentiment":"neutral","sentiment_score":0.028370850497768038},{"text":"It's good to review and see what we want to do.","start":1016.575,"end":1018.815,"sentiment":"neutral","sentiment_score":0.10882207751274109},{"text":"But, obviously, your super is positioned for long term.","start":1018.815,"end":1021.635,"sentiment":"neutral","sentiment_score":0.19816568742195764}],"sentiment":"neutral","sentiment_score":0.19790541103907994,"num_words":70,"start":1002.13,"end":1021.635},{"sentences":[{"text":"We don't obviously day trade your investment, but we also wanna make sure we are proactive in making changes when needed.","start":1021.695,"end":1028.01,"sentiment":"neutral","sentiment_score":0.14033546972842442},{"text":"Yep.","start":1029.59,"end":1030.09,"sentiment":"neutral","sentiment_score":0.10671140253543854},{"text":"Not necessarily.","start":1035.59,"end":1036.33,"sentiment":"neutral","sentiment_score":0.024488127790391445},{"text":"So it is if we do because, obviously, the investment committee and stuff, we do meet all the time.","start":1036.87,"end":1042.57,"sentiment":"neutral","sentiment_score":0.08778758405854828},{"text":"And if there is anything drastic happening, then it's not like we wait and review time to make those changes for you.","start":1042.905,"end":1050.8451,"sentiment":"neutral","sentiment_score":0.05231140316887335}],"sentiment":"neutral","sentiment_score":0.09110073060370409,"num_words":65,"start":1021.695,"end":1050.8451},{"sentences":[{"text":"Yeah.","start":1052.105,"end":1052.3451,"sentiment":"neutral","sentiment_score":0.1844041347503662},{"text":"So it's not like we're like, oh, yeah.","start":1052.3451,"end":1053.785,"sentiment":"neutral","sentiment_score":0.12070454470813274},{"text":"Cool.","start":1053.785,"end":1053.9451,"sentiment":"neutral","sentiment_score":0.25466015934944153},{"text":"We foresee a big rush, and we'll just leave you and see what happened.","start":1053.9451,"end":1057.545,"sentiment":"neutral","sentiment_score":0.05566981927092586},{"text":"No.","start":1057.545,"end":1057.95,"sentiment":"neutral","sentiment_score":-0.2179179489612579}],"sentiment":"neutral","sentiment_score":0.07864640690386296,"num_words":25,"start":1052.105,"end":1057.95},{"sentences":[{"text":"So we won't do that.","start":1059.87,"end":1061.1499,"sentiment":"neutral","sentiment_score":-0.20941016674041749},{"text":"So we obviously yeah.","start":1061.1499,"end":1063.25,"sentiment":"neutral","sentiment_score":-0.017870246898382902},{"text":"No.","start":1064.11,"end":1064.61,"sentiment":"neutral","sentiment_score":-0.13930445909500122},{"text":"But, obviously, if things are moving and often as well with historical, there will be some ups and downs, things happen in the market, and we don't wanna be too reactive.","start":1065.3099,"end":1074.175,"sentiment":"neutral","sentiment_score":-0.058095164597034454},{"text":"But we also want to be on top of things if there are, you know, changes that's happening.","start":1074.9551,"end":1080.895,"sentiment":"neutral","sentiment_score":0.19394704802996582}],"sentiment":"neutral","sentiment_score":0.007326448841367739,"num_words":59,"start":1059.87,"end":1080.895},{"sentences":[{"text":"Yeah.","start":1086.81,"end":1087.31,"sentiment":"neutral","sentiment_score":0.025159819051623344},{"text":"Yeah.","start":1089.93,"end":1090.43,"sentiment":"neutral","sentiment_score":0.05890829116106033},{"text":"In Hub twenty '4 as well.","start":1090.49,"end":1092.17,"sentiment":"neutral","sentiment_score":0.06840930071969827},{"text":"Do you have your the app downloaded on your mobile phone?","start":1092.17,"end":1095.55,"sentiment":"neutral","sentiment_score":0.06470585851506754},{"text":"Yep.","start":1096.425,"end":1096.925,"sentiment":"neutral","sentiment_score":0.19971373677253723}],"sentiment":"neutral","sentiment_score":0.07030010474845767,"num_words":20,"start":1086.81,"end":1096.925},{"sentences":[{"text":"Now when you yeah.","start":1097.385,"end":1099.145,"sentiment":"neutral","sentiment_score":0.2506905533373356},{"text":"So that's good.","start":1099.145,"end":1100.685,"sentiment":"positive","sentiment_score":0.5431652466456095},{"text":"Now when you are in the app, you can actually go sometimes it's a little bit tricky to navigate because it is quite a sophisticated platform, But you can go into your account, and there is something that's called report features.","start":1100.8251,"end":1115.92,"sentiment":"neutral","sentiment_score":0.01194993679116412},{"text":"Now this is usually what we then pull together for you, like your annual reviews and stuff, and you can actually pull different reports for different time frames.","start":1116.4601,"end":1123.52,"sentiment":"neutral","sentiment_score":0.1802594235965184},{"text":"So if you wanted to do, yeah, like, a monthly or two months or three months or twelve months, like, you can change the different times so that you can see whatever it is that 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will.","start":1245.3,"end":1251.38,"sentiment":"neutral","sentiment_score":0.14263932976652594},{"text":"It is something I always recommend everyone to do.","start":1251.38,"end":1254.12,"sentiment":"neutral","sentiment_score":0.27867460747559863},{"text":"Here's just some information for you in regards to a will and then also power of attorney.","start":1254.26,"end":1260.765,"sentiment":"neutral","sentiment_score":0.14651790524230285},{"text":"If you do wanna have a bit of a read over that in your own time.","start":1260.765,"end":1264.865,"sentiment":"neutral","sentiment_score":0.13935689441859722},{"text":"And that just takes us through the end, which just shows you your remuneration, and that is on page 27.","start":1265.965,"end":1273.345,"sentiment":"neutral","sentiment_score":0.14406987950205802}],"sentiment":"neutral","sentiment_score":0.15866901725530624,"num_words":79,"start":1245.3,"end":1273.345},{"sentences":[{"text":"So let me know if you can see 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will let you go and enjoy the rest of your afternoon.","start":1454.395,"end":1458.255,"sentiment":"positive","sentiment_score":0.7987342314286665},{"text":"Thanks.","start":1460.555,"end":1460.955,"sentiment":"positive","sentiment_score":0.7026511430740356},{"text":"We'll speak soon.","start":1460.955,"end":1461.935,"sentiment":"positive","sentiment_score":0.4980741540590922}],"sentiment":"positive","sentiment_score":0.5565914553265239,"num_words":43,"start":1446.86,"end":1461.935},{"sentences":[{"text":"Bye.","start":1463.515,"end":1464.015,"sentiment":"neutral","sentiment_score":-0.11595193296670914}],"sentiment":"neutral","sentiment_score":-0.11595193296670914,"num_words":1,"start":1463.515,"end":1464.015}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. It is. Yep. Yeah. Good. Yep. Yeah. Yeah. No problem. Jaden Quint Price, fourteenth of the tenth nineteen eighty, and 10 Brookline, Australia. Yep. Mhmm. Veronica? Signature request. Yep. So sign document? Yep. Mhmm. Yep. Yeah. It's it's like Australian law where you have to have our best interests in you know? Yeah. Yep. Yep. Yep. Yep. Mhmm. Yep. No. It's all good. It's all the stuff we spoke about last time on the phone. So yep. Yep. It's all good. Yep. Yep. Got it. Yep. Mhmm. Well, if you're in a it must be something in it. Yeah. That's it. Hi. Cool. Yep. Yep. Yep. Mhmm. Yep. Hey, Veronica. Is there anything in this document that shows last twelve months growth? Is that right down the is that right down the bottom where it says twelve months current? So so is 88.97%. Yeah. Okay. Yep. Yep. Yep. Yeah. I I say, yeah. Because it it it doesn't like, if I crunch the numbers in my head really quick, it's the return was way better than that. Mhmm. Yep. Yep. Yeah. Yeah. Yep. Mhmm. Yep. Yep. All good. Sweet. That's alright, bud. Yep. Yep. Yep. They're buying them all. Yep. Yep. Buying more gold as well. Yep. Yep. Yep. Yep. Mhmm. Yep. Okay. Yep. Yep. Get an even spread. Yep. Yeah. Yep. Looks like we've gone a little bit more defensive sort of thing. Oh, we've kind of just changed the way we're investing it, basically. Okay. Yep. And this is why we pay you guys because you know. Yep. Definitely. Yep. Yep. Yeah. Mhmm. Yep. So so we only change this every 12 months. Yeah? Yep. Yeah. Cool. That's good. Yep. Nice. Yes. Right. Yeah. Because I get the monthly report, like the investment report in the emails, but I can't remember from one month to the last where it was invested. Do you know what I mean? Like I sure do. Yep. Yep. I check it all the time. Yeah. Mhmm. Yep. Yep. Oh, okay. Yep. Yep. Okay. I'll I'll dive a bit deeper into it. I haven't really done much surfing around on it today. I'll just check the balance and go, yes. My soap is going well. It's tightening it. Yeah. Yep. Yep. Yeah. That's how I use it too. Yeah. I've never I've never logged in on a computer. Yeah. Cool. Thank you. Yep. Mhmm. Yep. Yep. Yep. Okay. Yep. Yep. No. I'm pretty good. I think I've got the date right on there. I just tapped it, and it went in automatically, but I can't see it. Yeah. Yep. Yeah. It's in there, I think. You just go do you just go next after you've done it? Yep. Fill in. It's the declaration above it sort of thing. Yep. I just put NA in there, and then it says validate. Yep. Yep. No worries. Thank you very much. Thanks, Veronica. Cheers. 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Yeah. It is. Yep. Yeah.\n\nGood. Yep. Yeah. Yeah. No problem.\n\nJaden Quint Price, fourteenth of the tenth nineteen eighty, and 10 Brookline, Australia. Yep. Mhmm. Veronica? Signature request.\n\nYep. So sign document? Yep. Mhmm. Yep.\n\nYeah. It's it's like Australian law where you have to have our best interests in you know? Yeah. Yep. Yep.\n\nYep. Yep. Mhmm. Yep. No.\n\nIt's all good. It's all the stuff we spoke about last time on the phone. So yep. Yep. It's all good.\n\nYep. Yep. Got it. Yep. Mhmm.\n\nWell, if you're in a it must be something in it. Yeah. That's it. Hi. Cool.\n\nYep. Yep. Yep. Mhmm. Yep.\n\nHey, Veronica. Is there anything in this document that shows last twelve months growth? Is that right down the is that right down the bottom where it says twelve months current? So so is 88.97%. Yeah.\n\nOkay. Yep. Yep. Yep. Yeah.\n\nI I say, yeah. Because it it it doesn't like, if I crunch the numbers in my head really quick, it's the return was way better than that. Mhmm. Yep. Yep.\n\nYeah. Yeah. Yep. Mhmm. Yep.\n\nYep. All good. Sweet. That's alright, bud. Yep.\n\nYep. Yep. They're buying them all. Yep. Yep.\n\nBuying more gold as well. Yep. Yep. Yep. Yep.\n\nMhmm. Yep. Okay. Yep. Yep.\n\nGet an even spread. Yep. Yeah. Yep. Looks like we've gone a little bit more defensive sort of thing.\n\nOh, we've kind of just changed the way we're investing it, basically. Okay. Yep. And this is why we pay you guys because you know. Yep.\n\nDefinitely. Yep. Yep. Yeah. Mhmm.\n\nYep. So so we only change this every 12 months. Yeah? Yep. Yeah.\n\nCool. That's good. Yep. Nice. Yes.\n\nRight. Yeah. Because I get the monthly report, like the investment report in the emails, but I can't remember from one month to the last where it was invested. Do you know what I mean? Like I sure do.\n\nYep. Yep. I check it all the time. Yeah. Mhmm.\n\nYep. Yep. Oh, okay. Yep. Yep.\n\nOkay. I'll I'll dive a bit deeper into it. I haven't really done much surfing around on it today. I'll just check the balance and go, yes. My soap is going well.\n\nIt's tightening it. Yeah. Yep. Yep. Yeah.\n\nThat's how I use it too. Yeah. I've never I've never logged in on a computer. Yeah. Cool.\n\nThank you. Yep. Mhmm. Yep. Yep.\n\nYep. Okay. Yep. Yep. No.\n\nI'm pretty good. I think I've got the date right on there. I just tapped it, and it went in automatically, but I can't see it. Yeah. Yep.\n\nYeah. It's in there, I think. You just go do you just go next after you've done it? Yep. Fill in.\n\nIt's the declaration above it sort of thing. Yep. I just put NA in there, and then it says validate. Yep. Yep.\n\nNo worries. Thank you very much. Thanks, Veronica. Cheers. 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validate.","start":1417.2101,"end":1419.63,"sentiment":"neutral","sentiment_score":0.09334607896479694},{"text":"Yep.","start":1421.13,"end":1421.63,"sentiment":"neutral","sentiment_score":0.16646477580070496},{"text":"Yep.","start":1425.77,"end":1426.27,"sentiment":"neutral","sentiment_score":0.24078790843486783}],"sentiment":"neutral","sentiment_score":0.0948617175560106,"num_words":22,"start":1387.6799,"end":1426.27},{"sentences":[{"text":"No worries.","start":1452.0299,"end":1452.4299,"sentiment":"positive","sentiment_score":0.3779010474681854},{"text":"Thank you very much.","start":1452.4299,"end":1453.455,"sentiment":"positive","sentiment_score":0.7712927907705307},{"text":"Thanks, Veronica.","start":1459.2949,"end":1460.0349,"sentiment":"positive","sentiment_score":0.6854681074619293},{"text":"Cheers.","start":1462.495,"end":1462.995,"sentiment":"positive","sentiment_score":0.634086549282074},{"text":"See you.","start":1463.135,"end":1463.875,"sentiment":"positive","sentiment_score":0.5275098085403442}],"sentiment":"positive","sentiment_score":0.6273650581186468,"num_words":11,"start":1452.0299,"end":1463.875}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon. This is Jaden.\n\nChannel 1: Yeah. It is. Yep.\n\nChannel 0: This is Veronica from XUV Financial. How are you?\n\nChannel 1: Yeah. Good.\n\nChannel 0: That's good. I had you booked in. It is a pretty quick one today just to go through the research I did on your super investment. Is now still\n\nChannel 1: Yep.\n\nChannel 0: a good time for you?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: No problem.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Jaden Quint Price, fourteenth of the tenth nineteen eighty, and 10 Brookline, Australia.\n\nChannel 0: Yep. Perfect. Now, Jaden, do you have access to your emails at the moment?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Okay. So I have just sent you an email with some documents that does have the recommendation in it. So let me know if that came through okay to you. And sometimes, yeah, it does end up in spam folder as well.\n\nChannel 1: Mhmm. Veronica?\n\nChannel 0: Yes.\n\nChannel 1: Signature request. Yep.\n\nChannel 0: Yes. Perfect. So if you can click on that one for me. Now when you click on the link signature request, it should still allow you to open up and view the documents before it prompts you to sign anything.\n\nChannel 1: So sign\n\nChannel 0: So\n\nChannel 1: document?\n\nChannel 0: yes, please. Yep. And can you then see where it says overview financial statement of advice? Can you see the cover page there?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now like I said, I have done some research on your super investments and have made a recommendation on changing a couple of rounds. And every time we do make a recommendation for you for compliance purposes, we have to put everything in a statement of advice just so that you are fully aware and understand everything. Now it is pretty straightforward today.\n\nA lot of it is just for compliance purposes. So you will see it is 32 pages. I won't go through all of them because it is pretty straightforward today, and I'll let you have a read over it in your own time. But I'll go\n\nChannel 1: Mhmm.\n\nChannel 0: through what the actual changes look like.\n\nChannel 1: Yep.\n\nChannel 0: Now on the cover page, you can see that this has been tailored specifically for you. You can see my details listed on the cover page as well, and you'll see my authorized representative number listed as well. Now on page two, it says the best interest duty. Have you ever heard of that before?\n\nChannel 1: Yeah. It's it's like Australian law where you have to have our best interests in\n\nChannel 0: Yes.\n\nChannel 1: you know? Yeah.\n\nChannel 0: Exactly.\n\nChannel 1: Yep.\n\nChannel 0: So, yeah, it is something we always have to act in your best interest at all time.\n\nChannel 1: Yep.\n\nChannel 0: And then also that the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation essentially.\n\nChannel 1: Yep.\n\nChannel 0: Now if you scroll through for me through page three, you should see scope of advice.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. So like I said, today is pretty straightforward. The things we are looking at is just your superannuation. Just having a having a bit of a review of your superannuation, making sure we put you in the best position possible so that you can retire at the age of 60 and ideally draw that same income, that you are on now.\n\nI have also just included some information in regards to estate planning for you. But, otherwise, we're not making any changes in regards to insurances or anything else today for you. So pretty straightforward.\n\nChannel 1: Mhmm.\n\nChannel 0: Now as you scroll through for me, you will see our advice to you on page six that does outline the actual recommendations, which I will kind of talk you through as we go. If you then keep scrolling through, you will see just a couple of pages about you, just some personal information, your assets, and liabilities as well. And then on page nine, you will see your superannuation listed again and your insurances as well. I won't touch too much on your insurances because we did go through that in the annual review last time. Any questions so far?\n\nIt was pretty straightforward.\n\nChannel 1: Yep. No. It's all good. It's all the stuff\n\nChannel 0: Yep.\n\nChannel 1: we spoke about last time on the phone.\n\nChannel 0: Ex\n\nChannel 1: So\n\nChannel 0: exactly. It's just literally putting it all inviting for you.\n\nChannel 1: yep. Yep. It's all good.\n\nChannel 0: Now page 10 talks about your risk profile, and we're not making any changes. We are keeping you in a growth portfolio. It's very suitable for you, where you are at and how you feel about risk tolerance and everything. Not making any changes in regards to that. Literally just swapping some of those investments around for you.\n\nChannel 1: Yep.\n\nChannel 0: Now if you scroll down, I usually find the the easiest way is if you wanna scroll down to page 15 for me, you should see a fee comparison table.\n\nChannel 1: Yep. Got it.\n\nChannel 0: Yeah. Now, basically, what you scrolled past, just for your reference, it is basically what I will go through with you now. I often find it easier to look at it from this point of view, But what you scroll through is talking about how the recommendation follows that best interest duty for you, also talking about some advantages, disadvantages, and risks in regards to the recommendation\n\nChannel 1: Yep.\n\nChannel 0: along with alternatives. But, essentially, I did research on your Hub twenty four account as well just to make sure it's still going to be the best option for you because there are always new products and features that comes out. So it is good to assess every now and then just to make sure. And for the time being, I have said or have recommended that we keep you in Hub 24. It's definitely a really good competitive option for you.\n\nIt's\n\nChannel 1: Mhmm.\n\nChannel 0: very competitive when it comes to fees and features and investment flexibility, and I do use Hub 24 for my personal super as well. So not changing your super fund, just your investment.\n\nChannel 1: Well, if you're in a it must be something in it.\n\nChannel 0: And the good thing with hub twenty four is because it allows us to do so much when it comes to investments, which is what makes a difference. And when\n\nChannel 1: Yeah.\n\nChannel 0: we are looking at come similar platforms like Macquarie and Netwealth, which you may have heard of, they were a little bit platforms like Macquarie and Netwealth, which you may have heard of, they were a little bit more expensive. And if Hub twenty four can do the same thing for you, then what's the point paying a little bit more for it?\n\nChannel 1: That's\n\nChannel 0: So,\n\nChannel 1: it.\n\nChannel 0: yeah, Hub twenty four is, yeah, where I have recommended to stay. Now you can see here that the recommendation to swap your investments is actually saving you a little bit in fees, which is great. So it is saving\n\nChannel 1: Hi. Cool.\n\nChannel 0: you about $812 a year, in fees alone, which is pretty good.\n\nChannel 1: Yep.\n\nChannel 0: Now in terms of the return difference, you can see that at the bottom. Now for this, I have used the five year rolling average for you to show you a little bit more consistency and certainty on the investment. But like I touched on last time, your Bennelong investment, which was the one specifically I wanted to look at changing, previously had done really well. So looking five year rolling average, it was still doing really well. It was more so the the last twelve months, they've kind of underperformed.\n\nChannel 1: Yep.\n\nChannel 0: So even though it might not look like a massive difference here, only about 0.9% when we're looking a long term, it's saving you in fees and still improving the return. And\n\nChannel 1: Yep.\n\nChannel 0: on the next page, which is page 16, you can then actually see that reflected and projected forward for about five and ten years to show you that even though little bit of fees and returns still makes a pretty big difference, we are compounding everything for you.\n\nChannel 1: Mhmm. Yep. Hey, Veronica.\n\nChannel 0: Yep.\n\nChannel 1: Is there anything\n\nChannel 0: Yeah.\n\nChannel 1: in this document that shows last twelve months\n\nChannel 0: Yes. So it's actually on that page, so page 16. It shows you the return on the portfolio.\n\nChannel 1: growth?\n\nChannel 0: So that is using a twelve month period. Now when it might be a little bit different to your actual portfolio after fees because this shows you the twelve month before fees, but then that also assumes buying at the start and selling at the end. Whereas it\n\nChannel 1: Is\n\nChannel 0: depends,\n\nChannel 1: that right\n\nChannel 0: obviously\n\nChannel 1: down the is that right\n\nChannel 0: Yes.\n\nChannel 1: down the bottom where it says twelve months current?\n\nChannel 0: Correct. Yes.\n\nChannel 1: So\n\nChannel 0: So twelve\n\nChannel 1: so is\n\nChannel 0: months.\n\nChannel 1: 88.97%.\n\nChannel 0: So let me check exactly. I think it so so that that is showing you the four fees because then, obviously, in the projection factors in all of the fees for you.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So what you actually had in your super is often a little bit different because we show you everything net of fees, but then it also depends on when you bought the investments. So this one, we obviously, when we pull all the reports, it takes it from, like, one point in during the year and then shows you twelve months. But if you\n\nChannel 1: Yep.\n\nChannel 0: bought, let's say, a week or two later or before, depending on what's going on in the market, it can vary a little bit. So that is\n\nChannel 1: Yep.\n\nChannel 0: also why we are looking at, like, a longer period of time because long term, it doesn't matter too much. So, obviously, when you're looking a bit more short term, that's when it has a bigger impact.\n\nChannel 1: Yep.\n\nChannel 0: Does\n\nChannel 1: Yeah.\n\nChannel 0: that make sense?\n\nChannel 1: I I say, yeah.\n\nChannel 0: Yes.\n\nChannel 1: Because it it it doesn't like, if I crunch the numbers in my head really quick, it's the return was way better than that.\n\nChannel 0: Mhmm. Yes. So let me have a look actually if I can get it up for you. So the last twelve months now this also, the report I have from when we did the annual review was from the May 18, and\n\nChannel 1: Mhmm.\n\nChannel 0: the market does fluctuate quite a bit and have actually come up a little bit recently, which is great. But when we\n\nChannel 1: Yep.\n\nChannel 0: are looking at from May to May, it was actually about 4.94. So what you actually did was a bit less than that. Now it kind of makes sense because the 4.94 is net of all fees versus the 8.97 is before all fees.\n\nChannel 1: Yep.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yeah. Yeah. Yep.\n\nChannel 0: Yep. Yep. So the kind of like I said, looking long term, it's because Benelon had done really well. It won't show as much of a difference. The more short term, that's when the Benelon started underperforming a little bit, and we obviously want to be proactive with making those changes, especially moving forward.\n\nIf they're going to continue to be a little bit slower, we do wanna swap that out before it\n\nChannel 1: Mhmm.\n\nChannel 0: impacts you too much.\n\nChannel 1: Yep.\n\nChannel 0: Makes sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: All good.\n\nChannel 0: Now the the good thing as well is that when we do sell and buy different investments or when you sell the investments, there are often capital gains tax associated with changing it. Now it does change on a daily as well. But when I did do all the research for you, the way that we were able to, recommend changing the investment, there is estimated to be no capital gains tax for you, which is great.\n\nChannel 1: Sweet. That's alright, bud.\n\nChannel 0: Yeah. Now what that actually looks like, though, in terms of the investment changes is outlined on page 17, and it kind of spills over to page 18. Can you see that for me?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now this might look a little bit messy, but everything you'll see on the first column is the investment and name. You will then see their special little code, your current waiting in it, how that reflects in the balance, and then\n\nChannel 1: Yep.\n\nChannel 0: the buy and sell column. So what is red is what we are selling. What is black is either retaining, so keeping in your portfolio already but changing the weight, or buying new investments.\n\nChannel 1: Yep.\n\nChannel 0: So, basically, when would you put it together the portfolio? That all stays the same in terms of the philosophy. So we are still using that core satellite approach to investment, which basically means that we are investing majority of the funds in the core, which basically represents the backbone of the portfolio. And, essentially, these are, like, your passive index funds that have done really well and very diversified. So you can see that these are your biggest shareholding.\n\nSo you can see, for example, the iShares S and P 500. You already have\n\nChannel 1: They're\n\nChannel 0: that\n\nChannel 1: buying\n\nChannel 0: in\n\nChannel 1: them\n\nChannel 0: your\n\nChannel 1: all.\n\nChannel 0: portfolio exactly.\n\nChannel 1: Yep.\n\nChannel 0: This one, very diversified, invest in the 500 largest companies in The US. So all, like, your Apple, Microsoft, Amazon, all the big companies, very diversified.\n\nChannel 1: Yep. Buying\n\nChannel 0: Now\n\nChannel 1: more gold\n\nChannel 0: what\n\nChannel 1: as well.\n\nChannel 0: yes. Now\n\nChannel 1: Yep.\n\nChannel 0: what you then can see is the change from Bennelong, which we wanted to sell out of. We have replaced with another Australian investment, which is on page 18, and that is called your BetaShares Australia two hundred. Can\n\nChannel 1: Yep.\n\nChannel 0: you see where I'm at? Yep.\n\nChannel 1: Yep.\n\nChannel 0: Now that one here, you invest in the 200 largest companies in Australia.\n\nChannel 1: Yep.\n\nChannel 0: So very diversified as well for you. Now your satellite investments, so these are the ones that can be a little bit more specialized, can fluctuate a little bit more, but also gives you the most amount of growth. These are what we would call your satellite investments. Now they have a smaller allocation because they can fluctuate a little bit more. So\n\nChannel 1: Mhmm.\n\nChannel 0: you can see, for example, the beta share cybersecurity, we are keeping in your portfolio just reducing that down to about 5% for you.\n\nChannel 1: Yep.\n\nChannel 0: We've also included 8% in Europe, 5% in Japan, and then 8% in one investment that's called Vanguard All World, but this one excludes The US because you already have\n\nChannel 1: Okay.\n\nChannel 0: exposure to The US US in the IHS S and P 500. And we also wanna make sure you're not\n\nChannel 1: Yep.\n\nChannel 0: through over, like, heavy in one area as well. Does that make sense? Yep. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: And\n\nChannel 1: Get\n\nChannel 0: then you\n\nChannel 1: an\n\nChannel 0: do\n\nChannel 1: even\n\nChannel 0: have\n\nChannel 1: spread.\n\nChannel 0: your exactly. That's what\n\nChannel 1: Yep.\n\nChannel 0: we want to do. And then for your defensive, like you said, keeping gold in your portfolio has done really well. So keeping that one, I'm just increasing it just slightly from 9.44 up to 10% for you and then also including a bit of fixed interest as well at our 14%. So limit fluctuations a little bit and give you some of that stabilization, but also the main focus is growing your super for you. Does that make sense?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: Looks\n\nChannel 0: Now\n\nChannel 1: like we've\n\nChannel 0: if\n\nChannel 1: gone\n\nChannel 0: it\n\nChannel 1: a little bit more defensive sort of thing. Oh, we've kind of just changed the way we're investing it, basically.\n\nChannel 0: Yeah. And it is kind of focusing on less speculative investments in a way and trying\n\nChannel 1: Okay.\n\nChannel 0: to position things a little bit more, especially with everything going on in the world and the market as well. So keeping you very diversified, still wanna make sure we keep you in different areas and sectors that we believe are going to do well, but\n\nChannel 1: Yep.\n\nChannel 0: not paying as much kind of those thematic investments like the the India or the Raffy or your JPMorgan. So kind of shifting things a little bit for you.\n\nChannel 1: And this is why we pay you guys because you know.\n\nChannel 0: Yeah. That's what we do. Now if it is that you wanted to read up on those investments yourself as well,\n\nChannel 1: Yep.\n\nChannel 0: in the appendix, which is the second attachment, there will be investment links added to each of these investments for you if you wanna have a read over it. But the good thing as well is because things are always changing and evolving in the market, you never know what's going to happen. So it is important for us to do this every now and then, especially when there are market changes.\n\nChannel 1: Definitely.\n\nChannel 0: Because the good thing\n\nChannel 1: Yep.\n\nChannel 0: with HubSpot twenty four is that it allows us to show the hundreds and hundreds of different options to choose from. So we\n\nChannel 1: Yep.\n\nChannel 0: can then tailor things and shop and change things for you.\n\nChannel 1: Yeah.\n\nChannel 0: So making sure that whatever is going on right now is the best position for you. Now\n\nChannel 1: Mhmm.\n\nChannel 0: then, obviously, in, you know, a couple of years or twelve months, who knows what things are going to be? It's good to review and see what we want to do. But, obviously, your super is positioned for long term. We don't obviously day trade your investment, but we also wanna make sure we are proactive in making changes when needed.\n\nChannel 1: Yep. So\n\nChannel 0: Yep.\n\nChannel 1: so we only change this every 12 months. Yeah?\n\nChannel 0: Not necessarily. So it is if we do because, obviously, the investment committee and stuff, we do meet all the time. And\n\nChannel 1: Yep.\n\nChannel 0: if there is anything drastic happening, then it's not like we wait and review time to make\n\nChannel 1: Yeah.\n\nChannel 0: those\n\nChannel 1: Cool.\n\nChannel 0: changes for you.\n\nChannel 1: That's good. Yep. Nice.\n\nChannel 0: Yeah. So it's not like we're like, oh, yeah. Cool. We foresee a big rush, and we'll just leave you and see what happened. No.\n\nSo we won't do that. So we obviously\n\nChannel 1: Yes. Right.\n\nChannel 0: yeah. No. But, obviously, if things are moving and often as well with historical, there will be some ups and downs, things happen in the market, and we don't wanna be too reactive. But\n\nChannel 1: Yeah.\n\nChannel 0: we also want to be on top of things if there are, you know,\n\nChannel 1: Because\n\nChannel 0: changes\n\nChannel 1: I get the monthly\n\nChannel 0: that's happening.\n\nChannel 1: report, like the investment report in the emails, but I can't remember from one month to the last\n\nChannel 0: Yeah.\n\nChannel 1: where it was invested. Do you know what I mean? Like\n\nChannel 0: Yeah. In Hub twenty '4 as well. Do you have your the app downloaded on your mobile\n\nChannel 1: I\n\nChannel 0: phone?\n\nChannel 1: sure do. Yep. Yep.\n\nChannel 0: Yep.\n\nChannel 1: I check\n\nChannel 0: Now\n\nChannel 1: it\n\nChannel 0: when\n\nChannel 1: all\n\nChannel 0: you\n\nChannel 1: the time.\n\nChannel 0: yeah. So that's good. Now when you are in the app,\n\nChannel 1: Yeah.\n\nChannel 0: you can actually go sometimes it's a little bit tricky to navigate because it is quite a sophisticated platform,\n\nChannel 1: Mhmm.\n\nChannel 0: But you can go into your account, and there is something\n\nChannel 1: Yep.\n\nChannel 0: that's called report features. Now this is\n\nChannel 1: Yep.\n\nChannel 0: usually what we then pull together for you, like your annual reviews and stuff, and you can actually pull different reports for different time frames. So\n\nChannel 1: Oh,\n\nChannel 0: if you\n\nChannel 1: okay.\n\nChannel 0: wanted to do, yeah, like, a monthly or two months or three months or twelve months, like, you can change the different times so that you can see whatever it is that you want to look at. So it shows you, like, the returns and fees. So there's a lot of really cool reportings you can have a look at\n\nChannel 1: Yep.\n\nChannel 0: on the app. But you\n\nChannel 1: Yep.\n\nChannel 0: can\n\nChannel 1: Okay.\n\nChannel 0: always just call us as well if you wanna have a you know, if there's anything specific, but it is pretty handy on the app.\n\nChannel 1: I'll I'll dive a bit deeper into it. I haven't really done much surfing around on it today. I'll just check the balance and go, yes. My soap is going well.\n\nChannel 0: Yes.\n\nChannel 1: It's tightening it. Yeah.\n\nChannel 0: Yeah. But,\n\nChannel 1: Yep.\n\nChannel 0: yeah, have a bit of a look around. If you do get stuck or you can't navigate, just let me know. Now our advice\n\nChannel 1: Yep.\n\nChannel 0: is site looks different, but because I have it on my mobile phone, I can always help navigate from a client\n\nChannel 1: Yeah.\n\nChannel 0: facing\n\nChannel 1: That's how I\n\nChannel 0: point\n\nChannel 1: use\n\nChannel 0: of\n\nChannel 1: it\n\nChannel 0: view\n\nChannel 1: too.\n\nChannel 0: as well.\n\nChannel 1: Yeah. I've\n\nChannel 0: Yeah.\n\nChannel 1: never I've never logged in on a computer.\n\nChannel 0: Yeah. And, obviously, our use of face we have access to all, like, the trading and everything like that, whereas that\n\nChannel 1: Yeah.\n\nChannel 0: would be different, obviously, from the the client facing. But, yeah, because I have it on that side on my phone as well, if you do get stuck, just give me a call, and I can always help navigate it from from that end as well.\n\nChannel 1: Cool. Thank you.\n\nChannel 0: No. That's alright. Now that is basically most of it, but if you scroll down through page 19, it just shows you the asset allocation.\n\nChannel 1: Yep.\n\nChannel 0: So you'll see your risk profile, which typically is around 80 to 20. It fluctuates between 80 up to 90 sometimes depending on\n\nChannel 1: Mhmm.\n\nChannel 0: where things obviously are, but aiming for around that. Now you can see your existing portfolio and your proposed portfolio, But you can see that even though you have at least a bit more growth in the proposed, not by much, though. We're still keeping about 15.08 in defensive and very much aligning with your growth profile as well.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now after that, you will see just some general information in regards to setting up a will. It is something I always recommend everyone to do. Here's just some information for you in regards to a will and then also power of attorney. If you do wanna have a bit of a read over that in your own time.\n\nAnd that just takes us through the end, which just shows you your remuneration, and that is on page 27. So let me know if you can\n\nChannel 1: Yep.\n\nChannel 0: see that. Now\n\nChannel 1: Yep.\n\nChannel 0: like I said in the under review, no changes whatsoever in regards to the fee structure. And because your partner is a client, we're keeping that reduced at the 1.1%. No changes whatsoever. And I have also just included your insurances with Encompass because we do get commission from them. But that is your insurer paying us.\n\nIt is not you paying us. But for compliance\n\nChannel 1: Okay.\n\nChannel 0: purposes, we have to disclose that so that you are fully aware. And that is the same for every single insurer out there, so it doesn't sway us in any way to recommend one provider over the other. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. And that was essentially everything. So pretty straightforward today. So, basically, from here, if you want to take some time, have a bit of a read over it, you're more than welcome to. But if you feel like you it all makes sense and you're happy to go ahead, then it would just be to sign that one document that then\n\nChannel 1: Yep.\n\nChannel 0: lets me know that you're happy with this change. It will come through to me digitally if you do, and then I will let the team know to go ahead and make these investments changes for you. Do you have any questions\n\nChannel 1: No.\n\nChannel 0: for me?\n\nChannel 1: I'm\n\nChannel 0: The\n\nChannel 1: pretty good. I think I've got the date right on there. I just tapped it, and it went in automatically, but I can't see it.\n\nChannel 0: it it should automatically if you add the little signature, it should automatically add\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: Yep.\n\nChannel 0: the date. And then\n\nChannel 1: Yeah.\n\nChannel 0: I think\n\nChannel 1: It's\n\nChannel 0: it\n\nChannel 1: in\n\nChannel 0: says\n\nChannel 1: there, I think. You just go do you just go next\n\nChannel 0: validate.\n\nChannel 1: after you've\n\nChannel 0: Yes.\n\nChannel 1: done it?\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: And what does it say now for you?\n\nChannel 1: Fill in.\n\nChannel 0: Yep.\n\nChannel 1: It's the declaration above it sort of thing. Yep.\n\nChannel 0: Yes. Sorry. It's been added there. If there is a you wanted to make any changes, you can type it out. But if there's no changes, otherwise, you could just do, like, a full stop or NA, and it should allow you to go through finish it.\n\nChannel 1: I just put NA in there, and then it says validate.\n\nChannel 0: Yes. Yep. And when you press\n\nChannel 1: Yep.\n\nChannel 0: the validate, it should then have one of those cog wheels and load a little bit.\n\nChannel 1: Yep.\n\nChannel 0: And then when it usually, after a couple of minutes, it will then finish loading, and it will come through to me. So I will keep a little lookout for that. When that comes through, I'll let the team know, and we will go ahead and make this change for you. But like I said, if there's anything else that you need at any point in time, doesn't have to be, obviously, on review time. If there's anything that you need, don't hesitate to give us a call.\n\nChannel 1: No worries. Thank you very much.\n\nChannel 0: No problem at all. Well, thank you so much for your time today, and I will let you go and enjoy the rest of your afternoon.\n\nChannel 1: Thanks, Veronica.\n\nChannel 0: Thanks. We'll speak soon.\n\nChannel 1: Cheers. See you.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.03733960911631584}],"sentiment":"neutral","sentiment_score":0.03733960911631584,"channel":1,"num_words":1,"start":0.39999998,"end":0.9},{"sentences":[{"text":"Good afternoon.","start":2.32,"end":3.04,"sentiment":"neutral","sentiment_score":0.2868749797344208},{"text":"This is Jaden.","start":3.04,"end":3.86,"sentiment":"neutral","sentiment_score":0.17393306394418082}],"sentiment":"neutral","sentiment_score":0.2191098302602768,"channel":0,"num_words":5,"start":2.32,"end":3.86},{"sentences":[{"text":"Yeah.","start":4.56,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.12926362454891205},{"text":"It is.","start":4.7999997,"end":5.12,"sentiment":"neutral","sentiment_score":0.11392194777727128},{"text":"Yep.","start":5.12,"end":5.62,"sentiment":"neutral","sentiment_score":0.16200409829616547}],"sentiment":"neutral","sentiment_score":0.12977790459990501,"channel":1,"num_words":4,"start":4.56,"end":5.62},{"sentences":[{"text":"This is Veronica from XUV Financial.","start":5.7599998,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.18640251706043878},{"text":"How are you?","start":8.0,"end":8.82,"sentiment":"neutral","sentiment_score":0.16523351271947226}],"sentiment":"neutral","sentiment_score":0.17934618228011662,"channel":0,"num_words":9,"start":5.7599998,"end":8.82},{"sentences":[{"text":"Yeah.","start":8.88,"end":9.12,"sentiment":"neutral","sentiment_score":0.2613276541233063},{"text":"Good.","start":9.12,"end":9.62,"sentiment":"positive","sentiment_score":0.5449190139770508}],"sentiment":"positive","sentiment_score":0.40312333405017853,"channel":1,"num_words":2,"start":8.88,"end":9.62},{"sentences":[{"text":"That's good.","start":10.16,"end":11.139999,"sentiment":"positive","sentiment_score":0.678260087966919},{"text":"I had you booked in.","start":11.84,"end":12.88,"sentiment":"positive","sentiment_score":0.4308930039405823},{"text":"It is a pretty quick one today just to go through the research I did on your super investment.","start":12.88,"end":17.485,"sentiment":"positive","sentiment_score":0.4105775230809262},{"text":"Is now still","start":17.545,"end":18.105,"sentiment":"neutral","sentiment_score":0.1823676178852717}],"sentiment":"positive","sentiment_score":0.4089331375113849,"channel":0,"num_words":29,"start":10.16,"end":18.105},{"sentences":[{"text":"Yep.","start":18.055,"end":18.555,"sentiment":"neutral","sentiment_score":0.29744774103164673}],"sentiment":"neutral","sentiment_score":0.29744774103164673,"channel":1,"num_words":1,"start":18.055,"end":18.555},{"sentences":[{"text":"a good time for you?","start":18.105,"end":19.165,"sentiment":"positive","sentiment_score":0.4071185290813446}],"sentiment":"positive","sentiment_score":0.4071185290813446,"channel":0,"num_words":5,"start":18.105,"end":19.165},{"sentences":[{"text":"Yeah.","start":19.175,"end":19.575,"sentiment":"neutral","sentiment_score":0.1367703676223755},{"text":"Yeah.","start":19.575,"end":20.075,"sentiment":"neutral","sentiment_score":0.14309871196746826}],"sentiment":"neutral","sentiment_score":0.13993453979492188,"channel":1,"num_words":2,"start":19.175,"end":20.075},{"sentences":[{"text":"Yeah.","start":20.105,"end":20.585,"sentiment":"neutral","sentiment_score":0.20554667711257937},{"text":"Perfect.","start":20.585,"end":21.085,"sentiment":"positive","sentiment_score":0.3605363368988037},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":21.465,"end":28.765,"sentiment":"neutral","sentiment_score":0.04694817073900124}],"sentiment":"neutral","sentiment_score":0.062179998885239327,"channel":0,"num_words":31,"start":20.105,"end":28.765},{"sentences":[{"text":"No problem.","start":29.07,"end":29.81,"sentiment":"neutral","sentiment_score":0.19723007082939148}],"sentiment":"neutral","sentiment_score":0.19723007082939148,"channel":1,"num_words":2,"start":29.07,"end":29.81},{"sentences":[{"text":"Perfect.","start":30.56,"end":31.06,"sentiment":"neutral","sentiment_score":0.2876291573047638},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I get you to confirm your full name, date of birth, and address, please?","start":31.119999,"end":39.14,"sentiment":"neutral","sentiment_score":0.11289722422758738}],"sentiment":"neutral","sentiment_score":0.11853373819781889,"channel":0,"num_words":31,"start":30.56,"end":39.14},{"sentences":[{"text":"Jaden Quint Price, fourteenth of the tenth nineteen eighty, and 10 Brookline, Australia.","start":40.27,"end":44.755,"sentiment":"neutral","sentiment_score":0.026912791582827385}],"sentiment":"neutral","sentiment_score":0.026912791582827385,"channel":1,"num_words":13,"start":40.27,"end":44.755},{"sentences":[{"text":"Yep.","start":45.454998,"end":45.855,"sentiment":"neutral","sentiment_score":0.09285831451416016},{"text":"Perfect.","start":45.855,"end":46.355,"sentiment":"neutral","sentiment_score":0.23233424127101895},{"text":"Now, Jaden, do you have access to your emails at the moment?","start":46.815,"end":49.475,"sentiment":"neutral","sentiment_score":0.03318053763359785}],"sentiment":"neutral","sentiment_score":0.051668500527739525,"channel":0,"num_words":14,"start":45.454998,"end":49.475},{"sentences":[{"text":"Yep.","start":49.934998,"end":50.434998,"sentiment":"neutral","sentiment_score":0.01399601809680462}],"sentiment":"neutral","sentiment_score":0.01399601809680462,"channel":1,"num_words":1,"start":49.934998,"end":50.434998},{"sentences":[{"text":"Yep.","start":50.735,"end":51.055,"sentiment":"neutral","sentiment_score":0.0165892131626606},{"text":"Okay.","start":51.055,"end":51.555,"sentiment":"neutral","sentiment_score":0.02136339247226715},{"text":"So I have just sent you an email with some documents that does have the recommendation in it.","start":51.695,"end":58.81,"sentiment":"neutral","sentiment_score":0.04989729676809576},{"text":"So let me know if that came through okay to you.","start":59.27,"end":62.170002,"sentiment":"neutral","sentiment_score":0.09281263229521838},{"text":"And sometimes, yeah, it does end up in spam folder as well.","start":63.91,"end":67.130005,"sentiment":"neutral","sentiment_score":-0.21358889217178026}],"sentiment":"neutral","sentiment_score":-0.014093576822169992,"channel":0,"num_words":43,"start":50.735,"end":67.130005},{"sentences":[{"text":"Mhmm.","start":71.03,"end":71.175,"sentiment":"neutral","sentiment_score":-0.014254119247198105},{"text":"Veronica?","start":71.65501,"end":72.15501,"sentiment":"neutral","sentiment_score":-0.011290590278804302}],"sentiment":"neutral","sentiment_score":-0.012772354763001204,"channel":1,"num_words":2,"start":71.03,"end":72.15501},{"sentences":[{"text":"Yes.","start":72.725,"end":73.225,"sentiment":"neutral","sentiment_score":0.015189848840236664}],"sentiment":"neutral","sentiment_score":0.015189848840236664,"channel":0,"num_words":1,"start":72.725,"end":73.225},{"sentences":[{"text":"Signature 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please.","start":91.159996,"end":92.03999,"sentiment":"neutral","sentiment_score":0.04327322170138359},{"text":"Yep.","start":92.03999,"end":92.53999,"sentiment":"neutral","sentiment_score":0.04549505561590195},{"text":"And can you then see where it says overview financial statement of advice?","start":94.92,"end":98.774994,"sentiment":"neutral","sentiment_score":0.024401448093927823},{"text":"Can you see the cover page there?","start":98.774994,"end":100.475,"sentiment":"neutral","sentiment_score":0.013677658247096198}],"sentiment":"neutral","sentiment_score":0.02369582312910453,"channel":0,"num_words":23,"start":91.159996,"end":100.475},{"sentences":[{"text":"Yep.","start":100.795,"end":101.295,"sentiment":"neutral","sentiment_score":0.04300972819328308}],"sentiment":"neutral","sentiment_score":0.04300972819328308,"channel":1,"num_words":1,"start":100.795,"end":101.295},{"sentences":[{"text":"Yep.","start":101.814995,"end":102.295,"sentiment":"neutral","sentiment_score":0.09289346635341644},{"text":"Perfect.","start":102.295,"end":102.795,"sentiment":"neutral","sentiment_score":0.22953036427497864},{"text":"Now like I said, I have done some research on your super investments and have made a recommendation on changing a couple of rounds.","start":103.895,"end":111.674995,"sentiment":"neutral","sentiment_score":0.12331852534164985},{"text":"And every time we do make a recommendation for you for compliance purposes, we have to put everything in a statement of advice just so that you are fully aware and understand everything.","start":112.729996,"end":123.07,"sentiment":"neutral","sentiment_score":0.12333214824849908},{"text":"Now it is pretty straightforward today.","start":123.53,"end":125.45,"sentiment":"neutral","sentiment_score":0.3246667981147766}],"sentiment":"neutral","sentiment_score":0.14307738645718648,"channel":0,"num_words":65,"start":101.814995,"end":125.45},{"sentences":[{"text":"A lot of it is just for compliance purposes.","start":125.45,"end":128.505,"sentiment":"neutral","sentiment_score":0.14011286861366695},{"text":"So you will see it is 32 pages.","start":128.505,"end":130.445,"sentiment":"neutral","sentiment_score":0.08465591398999095},{"text":"I won't go through all of them because it is pretty straightforward today, and I'll let you have a read over it in your own 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like.","start":137.30501,"end":140.205,"sentiment":"neutral","sentiment_score":0.011313348476375853}],"sentiment":"neutral","sentiment_score":0.011313348476375853,"channel":0,"num_words":7,"start":137.30501,"end":140.205},{"sentences":[{"text":"Yep.","start":140.97,"end":141.47,"sentiment":"neutral","sentiment_score":0.1429423689842224}],"sentiment":"neutral","sentiment_score":0.1429423689842224,"channel":1,"num_words":1,"start":140.97,"end":141.47},{"sentences":[{"text":"Now on the cover page, you can see that this has been tailored specifically for you.","start":141.02,"end":145.5,"sentiment":"neutral","sentiment_score":0.16787014342844486},{"text":"You can see my details listed on the cover page as well, and you'll see my authorized representative number listed as well.","start":145.5,"end":152.16,"sentiment":"neutral","sentiment_score":0.13613473522392186},{"text":"Now on page two, it says the best interest 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time.","start":171.16,"end":176.45999,"sentiment":"neutral","sentiment_score":0.2126042290645487}],"sentiment":"neutral","sentiment_score":0.2126042290645487,"channel":0,"num_words":17,"start":171.16,"end":176.45999},{"sentences":[{"text":"Yep.","start":176.56,"end":177.06,"sentiment":"neutral","sentiment_score":0.12680703401565552}],"sentiment":"neutral","sentiment_score":0.12680703401565552,"channel":1,"num_words":1,"start":176.56,"end":177.06},{"sentences":[{"text":"And then also that the advice itself has to put you in a better position as a result of the advice.","start":176.92,"end":182.245,"sentiment":"neutral","sentiment_score":0.04899998142250946},{"text":"Otherwise, we can't actually make the recommendation 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superannuation.","start":201.41,"end":203.98999,"sentiment":"neutral","sentiment_score":0.2879858329892159},{"text":"Just having a having a bit of a review of your superannuation, making sure we put you in the best position possible so that you can retire at the age of 60 and ideally draw that same income, that you are on now.","start":205.25,"end":218.35501,"sentiment":"neutral","sentiment_score":0.30872698890608413}],"sentiment":"neutral","sentiment_score":0.3287821497235979,"channel":0,"num_words":63,"start":197.56999,"end":218.35501},{"sentences":[{"text":"I have also just included some information in regards to estate planning for you.","start":218.81,"end":224.51,"sentiment":"neutral","sentiment_score":0.1954872884920665},{"text":"But, otherwise, we're not making any changes in regards to insurances or anything else today for you.","start":224.73,"end":230.09,"sentiment":"neutral","sentiment_score":0.0023063274429124944},{"text":"So pretty straightforward.","start":230.09,"end":231.23,"sentiment":"positive","sentiment_score":0.36788753668467206}],"sentiment":"neutral","sentiment_score":0.11410859457271941,"channel":0,"num_words":34,"start":218.81,"end":231.23},{"sentences":[{"text":"Mhmm.","start":232.18,"end":232.68,"sentiment":"neutral","sentiment_score":0.08734779059886932}],"sentiment":"neutral","sentiment_score":0.08734779059886932,"channel":1,"num_words":1,"start":232.18,"end":232.68},{"sentences":[{"text":"Now as you scroll through for me, you will see our advice to you on page six that does outline the actual recommendations, which I will kind of talk you through as we go.","start":233.335,"end":247.115,"sentiment":"neutral","sentiment_score":0.16603689640760422},{"text":"If you then keep scrolling through, you will see just a couple of pages about you, just some personal information, your assets, and liabilities as well.","start":248.52,"end":257.34,"sentiment":"neutral","sentiment_score":0.11517301631661561},{"text":"And then on page nine, you will see your superannuation listed again and your insurances as well.","start":258.12,"end":266.215,"sentiment":"neutral","sentiment_score":0.10976921898477218},{"text":"I won't touch too much on your insurances because we did go through that in the annual review last time.","start":266.215,"end":270.715,"sentiment":"neutral","sentiment_score":-0.0008719685953110457},{"text":"Any questions so far?","start":270.775,"end":271.895,"sentiment":"neutral","sentiment_score":0.055929772555828094}],"sentiment":"neutral","sentiment_score":0.10606048854602741,"channel":0,"num_words":101,"start":233.335,"end":271.895},{"sentences":[{"text":"It was pretty straightforward.","start":271.895,"end":273.035,"sentiment":"positive","sentiment_score":0.4105820283293724}],"sentiment":"positive","sentiment_score":0.4105820283293724,"channel":0,"num_words":4,"start":271.895,"end":273.035},{"sentences":[{"text":"Yep.","start":272.98502,"end":273.385,"sentiment":"neutral","sentiment_score":0.1857420653104782},{"text":"No.","start":273.385,"end":273.545,"sentiment":"neutral","sentiment_score":0.1148674413561821},{"text":"It's all good.","start":273.545,"end":274.105,"sentiment":"neutral","sentiment_score":0.2883926331996918},{"text":"It's all the stuff","start":274.105,"end":274.905,"sentiment":"neutral","sentiment_score":0.2144462876021862}],"sentiment":"neutral","sentiment_score":0.2248413951860534,"channel":1,"num_words":9,"start":272.98502,"end":274.905},{"sentences":[{"text":"Yep.","start":274.65997,"end":275.15997,"sentiment":"neutral","sentiment_score":0.08648481220006943}],"sentiment":"neutral","sentiment_score":0.08648481220006943,"channel":0,"num_words":1,"start":274.65997,"end":275.15997},{"sentences":[{"text":"we spoke about last time on the 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Veronica.","start":1459.2949,"end":1460.0349,"sentiment":"positive","sentiment_score":0.6854681074619293}],"sentiment":"positive","sentiment_score":0.6854681074619293,"channel":1,"num_words":2,"start":1459.2949,"end":1460.0349},{"sentences":[{"text":"Thanks.","start":1460.555,"end":1460.955,"sentiment":"positive","sentiment_score":0.7026511430740356},{"text":"We'll speak soon.","start":1460.955,"end":1461.935,"sentiment":"positive","sentiment_score":0.4980741540590922}],"sentiment":"positive","sentiment_score":0.5492184013128281,"channel":0,"num_words":4,"start":1460.555,"end":1461.935},{"sentences":[{"text":"Cheers.","start":1462.495,"end":1462.995,"sentiment":"positive","sentiment_score":0.634086549282074},{"text":"See 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The speaker emphasizes the importance of growing the customer's portfolio and maintaining a diversified investment strategy. The company uses a core satellite approach to invest and emphasizes being proactive in making changes to their portfolio and tailor investments when needed. The speaker also provides advice on navigating the app and setting up a will, and reminds the customer to call if they have any questions."},"intents":{"segments":[{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I get you to confirm your full name, date of birth, and address, please?","start_word":92,"end_word":121,"intents":[{"intent":"Provide name","confidence_score":0.015746644},{"intent":"Confirm identity","confidence_score":0.3721756},{"intent":"Confirm identity","confidence_score":0.8746285}]},{"text":"Now, Jaden, do you have access to your emails at the moment?","start_word":137,"end_word":148,"intents":[{"intent":"Access email","confidence_score":0.015718983}]},{"text":"Signature request. Yep. Yes. Perfect. So if you can click on that one for me. Now when you click on the link signature request, it should still allow you to open up and view the documents before it prompts you to sign anything. So sign So document?","start_word":196,"end_word":242,"intents":[{"intent":"Confirm signature request","confidence_score":0.088118024}]},{"text":"So if you can click on that one for me. Now when you click on the link signature request, it should still allow you to open up and view the documents before it prompts you to sign anything. So sign So document?","start_word":201,"end_word":242,"intents":[{"intent":"View documents","confidence_score":0.010557061}]},{"text":"Now like I said, I have done some research on your super investments and have made a recommendation on changing a couple of rounds. And every time we do make a recommendation for you for compliance purposes, we have to put everything in a statement of advice just so that you are fully aware and understand everything. Now it is pretty straightforward today.","start_word":269,"end_word":331,"intents":[{"intent":"Provide statement of advice","confidence_score":0.03539973},{"intent":"Confirm understanding","confidence_score":0.119959764}]},{"text":"But I'll go Mhmm. through what the actual changes look like. Yep.","start_word":376,"end_word":387,"intents":[{"intent":"Analyze changes","confidence_score":0.00001702667}]},{"text":"And the good thing with hub twenty four is because it allows us to do so much when it comes to investments, which is what makes a difference. And when Yeah.","start_word":1054,"end_word":1084,"intents":[{"intent":"Compare investments","confidence_score":0.0043017366}]},{"text":"on the next page, which is page 16, you can then actually see that reflected and projected forward for about five and ten years to show you that even though little bit of fees and returns still makes a pretty big difference, we are compounding everything for you. Mhmm. Yep.","start_word":1331,"end_word":1380,"intents":[{"intent":"Estimate future savings","confidence_score":0.000010842354}]},{"text":"I think it so so that that is showing you the four fees because then, obviously, in the projection factors in all of the fees for you. Yeah.","start_word":1498,"end_word":1525,"intents":[{"intent":"Explain fees","confidence_score":0.008090548}]},{"text":"why we are looking at, like, a longer period of time because long term, it doesn't matter too much. So, obviously, when you're looking a bit more short term, that's when it has a bigger impact. Yep. Does Yeah.","start_word":1620,"end_word":1658,"intents":[{"intent":"Understand market impact","confidence_score":0.03251538}]},{"text":"the market does fluctuate quite a bit and have actually come up a little bit recently, which is great. But when we Yep.","start_word":1734,"end_word":1756,"intents":[{"intent":"Understand market variability","confidence_score":0.000019159796},{"intent":"Provide information on market fluctuations","confidence_score":0.000057278463}]},{"text":"If they're going to continue to be a little bit slower, we do wanna swap that out before it Mhmm. impacts you too much. Yep.","start_word":1864,"end_word":1888,"intents":[{"intent":"Swap investments","confidence_score":0.8010803}]},{"text":"Now the the good thing as well is that when we do sell and buy different investments or when you sell the investments, there are often capital gains tax associated with changing it. Now it does change on a daily as well. But when I did do all the research for you, the way that we were able to, recommend changing the investment, there is estimated to be no capital gains tax for you, which is great. Sweet.","start_word":1894,"end_word":1971,"intents":[{"intent":"Discuss investment options","confidence_score":0.001656428}]},{"text":"Now what that actually looks like, though, in terms of the investment changes is outlined on page 17, and it kind of spills over to page 18. Can you see that for me?","start_word":1976,"end_word":2008,"intents":[{"intent":"Explain investment changes","confidence_score":0.17774224},{"intent":"Mention investment modifications","confidence_score":0.000024606723}]},{"text":"So, basically, when would you put it together the portfolio?","start_word":2090,"end_word":2099,"intents":[{"intent":"Mention portfolio structure","confidence_score":0.073587544},{"intent":"Confirm portfolio composition","confidence_score":0.00065215403}]},{"text":"you can see, for example, the beta share cybersecurity, we are keeping in your portfolio just reducing that down to about 5% for you. Yep.","start_word":2357,"end_word":2381,"intents":[{"intent":"Optimize portfolio performance","confidence_score":0.006931237}]},{"text":"not paying as much kind of those thematic investments like the the India or the Raffy or your JPMorgan.","start_word":2639,"end_word":2657,"intents":[{"intent":"Ensure optimal investment balance","confidence_score":0.000007897255},{"intent":"Remind about important investments","confidence_score":0.000012871663}]},{"text":"Because the good thing Yep. with HubSpot twenty four is that it allows us to show the hundreds and hundreds of different options to choose from. So we Yep. can then tailor things and shop and change things for you. Yeah.","start_word":2774,"end_word":2814,"intents":[{"intent":"Assist with investment changes and discuss options","confidence_score":4.1046825e-8}]},{"text":"So making sure that whatever is going on right now is the best position for you. Now Mhmm.","start_word":2815,"end_word":2832,"intents":[{"intent":"Ensure investments remain appropriate for future use","confidence_score":4.0791024e-9}]},{"text":"It's good to review and see what we want to do. But, obviously, your super is positioned for long term. We don't obviously day trade your investment, but we also wanna make sure we are proactive in making changes when needed. Yep.","start_word":2853,"end_word":2894,"intents":[{"intent":"Review investment status and make recommendations","confidence_score":0.000014230823}]},{"text":"Do you have your the app downloaded on your mobile I phone? sure do.","start_word":3085,"end_word":3098,"intents":[{"intent":"Guide app navigation","confidence_score":0.014693934}]},{"text":"is site looks different, but because I have it on my mobile phone, I can always help navigate from a client Yeah.","start_word":3352,"end_word":3373,"intents":[{"intent":"Navigate from client","confidence_score":0.18231766}]},{"text":"No. That's alright. Now that is basically most of it, but if you scroll down through page 19, it just shows you the asset allocation. Yep.","start_word":3467,"end_word":3492,"intents":[{"intent":"Review asset allocation","confidence_score":0.00034124273}]},{"text":"Now you can see your existing portfolio and your proposed portfolio, But you can see that even though you have at least a bit more growth in the proposed, not by much, though. We're still keeping about 15.08 in defensive and very much aligning with your growth profile as well. Yep.","start_word":3526,"end_word":3576,"intents":[{"intent":"Check portfolio growth","confidence_score":0.01898955}]},{"text":"Now after that, you will see just some general information in regards to setting up a will. It is something I always recommend everyone to do. Here's just some information for you in regards to a will and then also power of attorney. If you do wanna have a bit of a read over that in your own time. And that just takes us through the end, which just shows you your remuneration, and that is on page 27.","start_word":3578,"end_word":3656,"intents":[{"intent":"Set up will","confidence_score":0.257496}]},{"text":"like I said in the under review, no changes whatsoever in regards to the fee structure. And because your partner is a client, we're keeping that reduced at the 1.1%. No changes whatsoever. And I have also just included your insurances with Encompass because we do get commission from them. But that is your insurer paying us. It is not you paying us. But for compliance Okay.","start_word":3669,"end_word":3735,"intents":[{"intent":"Discuss fee structure and commission","confidence_score":0.016241506}]},{"text":"But if you feel like you it all makes sense and you're happy to go ahead, then it would just be to sign that one document that then Yep. lets me know that you're happy with this change. It will come through to me digitally if you do, and then I will let the team know to go ahead and make these investments changes for you. Do you have any questions No.","start_word":3813,"end_word":3884,"intents":[{"intent":"Promote self-service","confidence_score":0.000012192232}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. This is Jaden. Yeah. It is. Yep. This is Veronica from XUV Financial. How are you? Yeah.","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.1745324432849884},{"text":"Good. That's good. I had you booked in. It is a pretty quick one today just to go through the research I did on your super investment.","start_word":20,"end_word":46,"sentiment":"positive","sentiment_score":0.4601663053035736},{"text":"Is now still Yep.","start_word":47,"end_word":50,"sentiment":"neutral","sentiment_score":0.23340198397636416},{"text":"a good time for you?","start_word":51,"end_word":55,"sentiment":"positive","sentiment_score":0.4012925326824188},{"text":"Yeah. Yeah. Yeah.","start_word":56,"end_word":58,"sentiment":"neutral","sentiment_score":0.16180525720119476},{"text":"Perfect.","start_word":59,"end_word":59,"sentiment":"positive","sentiment_score":0.3605363368988037},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. No problem. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I get you to confirm your full name, date of birth, and address, please? Jaden Quint Price, fourteenth of the tenth nineteen eighty, and 10 Brookline, Australia. Yep. Perfect. Now, Jaden, do you have access to your emails at the moment? Yep. Yep. Okay. So I have just sent you an email with some documents that does have the recommendation in it. So let me know if that came through okay to you. And sometimes, yeah, it does end up in spam folder as well. Mhmm. Veronica? Yes. Signature request. Yep. Yes. Perfect. So if you can click on that one for me. Now when you click on the link signature request, it should still allow you to open up and view the documents before it prompts you to sign anything. So sign So document? yes, please. Yep. And can you then see where it says overview financial statement of advice? Can you see the cover page there? Yep. Yep. Perfect. Now like I said, I have done some research on your super investments and have made a recommendation on changing a couple of rounds. And every time we do make a recommendation for you for compliance purposes, we have to put everything in a statement of advice just so that you are fully aware and understand everything. Now it is pretty straightforward today. A lot of it is just for compliance purposes. So you will see it is 32 pages. I won't go through all of them because it is pretty straightforward today, and I'll let you have a read over it in your own time. But I'll go Mhmm. through what the actual changes look like. Yep. Now on the cover page, you can see that this has been tailored specifically for you. You can see my details listed on the cover page as well, and you'll see my authorized representative number listed as well. Now on page two, it says the best interest duty. Have you ever heard of that before? Yeah. It's it's like Australian law where you have to have our best interests in Yes. you know? Yeah. Exactly. Yep. So, yeah, it is something we always have to act in your best interest at all time. Yep. And then also that the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation essentially. Yep. Now if you scroll through for me through page three, you should see scope of advice. Yep. Yep.","start_word":60,"end_word":528,"sentiment":"neutral","sentiment_score":0.08069058407598467},{"text":"Perfect. So like I said, today is pretty straightforward.","start_word":529,"end_word":537,"sentiment":"positive","sentiment_score":0.4812946319580078},{"text":"The things we are looking at is just your superannuation. Just having a having a bit of a review of your superannuation, making sure we put you in the best position possible so that you can retire at the age of 60 and ideally draw that same income, that you are on now. I have also just included some information in regards to estate planning for you. But, otherwise, we're not making any changes in regards to insurances or anything else today for you.","start_word":538,"end_word":621,"sentiment":"neutral","sentiment_score":0.21726106107234955},{"text":"So pretty straightforward.","start_word":622,"end_word":624,"sentiment":"positive","sentiment_score":0.34517061710357666},{"text":"Mhmm. Now as you scroll through for me, you will see our advice to you on page six that does outline the actual recommendations, which I will kind of talk you through as we go. If you then keep scrolling through, you will see just a couple of pages about you, just some personal information, your assets, and liabilities as well. And then on page nine, you will see your superannuation listed again and your insurances as well. I won't touch too much on your insurances because we did go through that in the annual review last time. Any questions so far?","start_word":625,"end_word":726,"sentiment":"neutral","sentiment_score":0.10087621957063676},{"text":"It was pretty straightforward.","start_word":727,"end_word":730,"sentiment":"positive","sentiment_score":0.3944033086299896},{"text":"Yep. No. It's all good. It's all the stuff Yep. we spoke about last time on the phone. Ex So exactly.","start_word":731,"end_word":751,"sentiment":"neutral","sentiment_score":0.15917856991291046},{"text":"It's just literally putting it all inviting for you.","start_word":752,"end_word":760,"sentiment":"positive","sentiment_score":0.7384608387947083},{"text":"yep.","start_word":761,"end_word":761,"sentiment":"neutral","sentiment_score":0.27260956168174744},{"text":"Yep. It's all good.","start_word":762,"end_word":765,"sentiment":"positive","sentiment_score":0.5499699711799622},{"text":"Now page 10 talks about your risk profile, and we're not making any changes. We are keeping you in a growth portfolio. It's very suitable for you, where you are at and how you feel about risk tolerance and everything. Not making any changes in regards to that. Literally just swapping some of those investments around for you. Yep. Now if you scroll down, I usually find the the easiest way is if you wanna scroll down to page 15 for me, you should see a fee comparison table. Yep. Got it. Yeah. Now, basically, what you scrolled past, just for your reference, it is basically what I will go through with you now. I often find it easier to look at it from this point of view, But what you scroll through is talking about how the recommendation follows that best interest duty for you, also talking about some advantages, disadvantages, and risks in regards to the recommendation Yep. along with alternatives. But, essentially, I did research on your Hub twenty four account as well just to make sure it's still going to be the best option for you because there are always new products and features that comes out. So it is good to assess every now and then just to make sure. And for the time being, I have said or have recommended that we keep you in Hub 24.","start_word":766,"end_word":998,"sentiment":"neutral","sentiment_score":0.10292226821184158},{"text":"It's definitely a really good competitive option for you. It's Mhmm. very competitive when it comes to fees and features and investment flexibility, and I do use Hub 24 for my personal super as well.","start_word":999,"end_word":1033,"sentiment":"positive","sentiment_score":0.5157175660133362},{"text":"So not changing your super fund, just your investment. Well, if you're in a it must be something in it.","start_word":1034,"end_word":1053,"sentiment":"neutral","sentiment_score":0.12057214975357056},{"text":"And the good thing with hub twenty four is because it allows us to do so much when it comes to investments, which is what makes a difference.","start_word":1054,"end_word":1081,"sentiment":"positive","sentiment_score":0.4661894142627716},{"text":"And when Yeah. we are looking at come similar platforms like Macquarie and Netwealth, which you may have heard of, they were a little bit platforms like Macquarie and Netwealth, which you may have heard of, they were a little bit more expensive. And if Hub twenty four can do the same thing for you, then what's the point paying a little bit more for it? That's So, it. yeah, Hub twenty four is, yeah, where I have recommended to stay.","start_word":1082,"end_word":1162,"sentiment":"neutral","sentiment_score":0.045136759977465794},{"text":"Now you can see here that the recommendation to swap your investments is actually saving you a little bit in fees, which is great. So it is saving Hi. Cool. you about $812 a year, in fees alone, which is pretty good.","start_word":1163,"end_word":1204,"sentiment":"positive","sentiment_score":0.6293421983718872},{"text":"Yep. Now in terms of the return difference, you can see that at the bottom. Now for this, I have used the five year rolling average for you to show you a little bit more consistency and certainty on the investment. But like I touched on last time, your Bennelong investment, which was the one specifically I wanted to look at changing, previously had done really well. So looking five year rolling average, it was still doing really well. It was more so the the last twelve months, they've kind of underperformed. Yep. So even though it might not look like a massive difference here, only about 0.9% when we're looking a long term, it's saving you in fees and still improving the return. And Yep. on the next page, which is page 16, you can then actually see that reflected and projected forward for about five and ten years to show you that even though little bit of fees and returns still makes a pretty big difference, we are compounding everything for you. Mhmm. Yep. Hey, Veronica. Yep. Is there anything Yeah. in this document that shows last twelve months Yes. So it's actually on that page, so page 16. It shows you the return on the portfolio. growth? So that is using a twelve month period. Now when it might be a little bit different to your actual portfolio after fees because this shows you the twelve month before fees, but then that also assumes buying at the start and selling at the end. Whereas it Is depends, that right obviously down the is that right Yes. down the bottom where it says twelve months current? Correct. Yes. So So twelve so is months. 88.97%. So let me check exactly. I think it so so that that is showing you the four fees because then, obviously, in the projection factors in all of the fees for you. Yeah. Okay. So what you actually had in your super is often a little bit different because we show you everything net of fees, but then it also depends on when you bought the investments. So this one, we obviously, when we pull all the reports, it takes it from, like, one point in during the year and then shows you twelve months. But if you Yep. bought, let's say, a week or two later or before, depending on what's going on in the market, it can vary a little bit. So that is also Yep. why we are looking at, like, a longer period of time because long term, it doesn't matter too much. So, obviously, when you're looking a bit more short term, that's when it has a bigger impact. Yep. Does Yeah. that make sense? I I say, yeah. Yes. Because it it it doesn't like, if I crunch the numbers in my head really quick, it's the return was way better than that. Mhmm. Yes. So let me have a look actually if I can get it up for you. So the last twelve months now this also, the report I have from when we did the annual review was from the May 18, and Mhmm. the market does fluctuate quite a bit and have actually come up a little bit recently, which is great. But when we Yep. are looking at from May to May, it was actually about 4.94. So what you actually did was a bit less than that. Now it kind of makes sense because the 4.94 is net of all fees versus the 8.97 is before all fees. Yep. Does that make sense? Yeah. Yeah. Yep. Yep. Yep. So the kind of like I said, looking long term, it's because Benelon had done really well. It won't show as much of a difference. The more short term, that's when the Benelon started underperforming a little bit, and we obviously want to be proactive with making those changes, especially moving forward. If they're going to continue to be a little bit slower, we do wanna swap that out before it Mhmm. impacts you too much. Yep. Makes sense? Yep. Yep.","start_word":1205,"end_word":1891,"sentiment":"neutral","sentiment_score":0.08993504634547268},{"text":"All good.","start_word":1892,"end_word":1893,"sentiment":"positive","sentiment_score":0.5241166949272156},{"text":"Now the the good thing as well is that when we do sell and buy different investments or when you sell the investments, there are often capital gains tax associated with changing it. Now it does change on a daily as well.","start_word":1894,"end_word":1935,"sentiment":"neutral","sentiment_score":0.1996302455663681},{"text":"But when I did do all the research for you, the way that we were able to, recommend changing the investment, there is estimated to be no capital gains tax for you, which is great. Sweet. That's alright, bud.","start_word":1936,"end_word":1974,"sentiment":"positive","sentiment_score":0.4088379144668579},{"text":"Yeah. Now what that actually looks like, though, in terms of the investment changes is outlined on page 17, and it kind of spills over to page 18. Can you see that for me? Yep. Yep. Perfect. Now this might look a little bit messy, but everything you'll see on the first column is the investment and name. You will then see their special little code, your current waiting in it, how that reflects in the balance, and then Yep. the buy and sell column. So what is red is what we are selling. What is black is either retaining, so keeping in your portfolio already but changing the weight, or buying new investments. Yep. So, basically, when would you put it together the portfolio? That all stays the same in terms of the philosophy. So we are still using that core satellite approach to investment, which basically means that we are investing majority of the funds in the core, which basically represents the backbone of the portfolio. And, essentially, these are, like, your passive index funds that have done really well and very diversified. So you can see that these are your biggest shareholding. So you can see, for example, the iShares S and P 500. You already have They're that buying in them your all. portfolio exactly. Yep. This one, very diversified, invest in the 500 largest companies in The US. So all, like, your Apple, Microsoft, Amazon, all the big companies, very diversified. Yep. Buying Now more gold what as well. yes. Now Yep. what you then can see is the change from Bennelong, which we wanted to sell out of. We have replaced with another Australian investment, which is on page 18, and that is called your BetaShares Australia two hundred. Can Yep. you see where I'm at? Yep. Yep. Now that one here, you invest in the 200 largest companies in Australia. Yep.","start_word":1975,"end_word":2292,"sentiment":"neutral","sentiment_score":0.08287526385964088},{"text":"So very diversified as well for you.","start_word":2293,"end_word":2299,"sentiment":"positive","sentiment_score":0.5675061345100403},{"text":"Now your satellite investments, so these are the ones that can be a little bit more specialized, can fluctuate a little bit more, but also gives you the most amount of growth. These are what we would call your satellite investments. Now they have a smaller allocation because they can fluctuate a little bit more. So Mhmm. you can see, for example, the beta share cybersecurity, we are keeping in your portfolio just reducing that down to about 5% for you. Yep. We've also included 8% in Europe, 5% in Japan, and then 8% in one investment that's called Vanguard All World, but this one excludes The US because you already have Okay. exposure to The US US in the IHS S and P 500. And we also wanna make sure you're not Yep. through over, like, heavy in one area as well. Does that make sense? Yep.","start_word":2300,"end_word":2447,"sentiment":"neutral","sentiment_score":0.11004908382892609},{"text":"Perfect.","start_word":2448,"end_word":2448,"sentiment":"positive","sentiment_score":0.4389321804046631},{"text":"Yep. And Get then you an do even have spread. your exactly. That's what we Yep. want to do.","start_word":2449,"end_word":2467,"sentiment":"neutral","sentiment_score":0.23039284348487857},{"text":"And then for your defensive, like you said, keeping gold in your portfolio has done really well.","start_word":2468,"end_word":2484,"sentiment":"positive","sentiment_score":0.3599572479724884},{"text":"So keeping that one, I'm just increasing it just slightly from 9.44 up to 10% for you and then also including a bit of fixed interest as well at our 14%. So limit fluctuations a little bit and give you some of that stabilization, but also the main focus is growing your super for you. Does that make sense? Yeah. Yep. Yeah.","start_word":2485,"end_word":2546,"sentiment":"neutral","sentiment_score":0.28885483741760254},{"text":"Perfect.","start_word":2547,"end_word":2547,"sentiment":"positive","sentiment_score":0.45872586965560913},{"text":"Looks Now like we've if gone it a little bit more defensive sort of thing. Oh, we've kind of just changed the way we're investing it, basically. Yeah. And it is kind of focusing on less speculative investments in a way and trying Okay. to position things a little bit more, especially with everything going on in the world and the market as well. So keeping you very diversified, still wanna make sure we keep you in different areas and sectors that we believe are going to do well, but Yep. not paying as much kind of those thematic investments like the the India or the Raffy or your JPMorgan. So kind of shifting things a little bit for you. And this is why we pay you guys because you know. Yeah. That's what we do. Now if it is that you wanted to read up on those investments yourself as well, Yep. in the appendix, which is the second attachment, there will be investment links added to each of these investments for you if you wanna have a read over it. But the good thing as well is because things are always changing and evolving in the market, you never know what's going to happen. So it is important for us to do this every now and then, especially when there are market changes. Definitely.","start_word":2548,"end_word":2773,"sentiment":"neutral","sentiment_score":0.1324195700936613},{"text":"Because the good thing Yep. with HubSpot twenty four is that it allows us to show the hundreds and hundreds of different options to choose from. So we Yep. can then tailor things and shop and change things for you.","start_word":2774,"end_word":2813,"sentiment":"positive","sentiment_score":0.4200257658958435},{"text":"Yeah. So making sure that whatever is going on right now is the best position for you. Now Mhmm. then, obviously, in, you know, a couple of years or twelve months, who knows what things are going to be? It's good to review and see what we want to do. But, obviously, your super is positioned for long term. We don't obviously day trade your investment, but we also wanna make sure we are proactive in making changes when needed. Yep. So Yep. so we only change this every 12 months. Yeah? Not necessarily. So it is if we do because, obviously, the investment committee and stuff, we do meet all the time. And Yep. if there is anything drastic happening, then it's not like we wait and review time to make Yeah. those Cool. changes for you.","start_word":2814,"end_word":2951,"sentiment":"neutral","sentiment_score":0.11516007035970688},{"text":"That's good.","start_word":2952,"end_word":2953,"sentiment":"positive","sentiment_score":0.5297629237174988},{"text":"Yep.","start_word":2954,"end_word":2954,"sentiment":"neutral","sentiment_score":0.29028570652008057},{"text":"Nice.","start_word":2955,"end_word":2955,"sentiment":"positive","sentiment_score":0.39912018179893494},{"text":"Yeah. So it's not like we're like, oh, yeah. Cool. We foresee a big rush, and we'll just leave you and see what happened. No. So we won't do that. So we obviously Yes. Right. yeah. No. But, obviously, if things are moving and often as well with historical, there will be some ups and downs, things happen in the market, and we don't wanna be too reactive. But Yeah. we also want to be on top of things if there are, you know, Because changes I get the monthly that's happening. report, like the investment report in the emails, but I can't remember from one month to the last Yeah. where it was invested. Do you know what I mean? Like Yeah. In Hub twenty '4 as well. Do you have your the app downloaded on your mobile I phone? sure do. Yep. Yep. Yep. I check Now it when all you the time.","start_word":2956,"end_word":3110,"sentiment":"neutral","sentiment_score":0.05389061738406458},{"text":"yeah. So that's good.","start_word":3111,"end_word":3114,"sentiment":"positive","sentiment_score":0.5076543092727661},{"text":"Now when you are in the app, Yeah. you can actually go sometimes it's a little bit tricky to navigate because it is quite a sophisticated platform, Mhmm. But you can go into your account, and there is something Yep. that's called report features. Now this is Yep. usually what we then pull together for you, like your annual reviews and stuff, and you can actually pull different reports for different time frames. So Oh, if you okay. wanted to do, yeah, like, a monthly or two months or three months or twelve months, like, you can change the different times so that you can see whatever it is that you want to look at. So it shows you, like, the returns and fees.","start_word":3115,"end_word":3238,"sentiment":"neutral","sentiment_score":0.11871302872896194},{"text":"So there's a lot of really cool reportings you can have a look at Yep.","start_word":3239,"end_word":3253,"sentiment":"positive","sentiment_score":0.34177303314208984},{"text":"on the app. But you Yep. can Okay. always just call us as well if you wanna have a you know, if there's anything specific, but it is pretty handy on the app. I'll I'll dive a bit deeper into it. I haven't really done much surfing around on it today. I'll just check the balance and go, yes.","start_word":3254,"end_word":3312,"sentiment":"neutral","sentiment_score":0.1677168756723404},{"text":"My soap is going well.","start_word":3313,"end_word":3317,"sentiment":"positive","sentiment_score":0.4190616011619568},{"text":"Yes. It's tightening it. Yeah. Yeah. But, Yep. yeah, have a bit of a look around. If you do get stuck or you can't navigate, just let me know. Now our advice Yep. is site looks different, but because I have it on my mobile phone, I can always help navigate from a client Yeah. facing That's how I point use of it view too. as well. Yeah. I've Yeah. never I've never logged in on a computer. Yeah. And, obviously, our use of face we have access to all, like, the trading and everything like that, whereas that Yeah. would be different, obviously, from the the client facing. But, yeah, because I have it on that side on my phone as well, if you do get stuck, just give me a call, and I can always help navigate it from from that end as well.","start_word":3318,"end_word":3463,"sentiment":"neutral","sentiment_score":0.0948434363132062},{"text":"Cool. Thank you.","start_word":3464,"end_word":3466,"sentiment":"positive","sentiment_score":0.5561878681182861},{"text":"No. That's alright. Now that is basically most of it, but if you scroll down through page 19, it just shows you the asset allocation. Yep. So you'll see your risk profile, which typically is around 80 to 20. It fluctuates between 80 up to 90 sometimes depending on Mhmm. where things obviously are, but aiming for around that. Now you can see your existing portfolio and your proposed portfolio, But you can see that even though you have at least a bit more growth in the proposed, not by much, though. We're still keeping about 15.08 in defensive and very much aligning with your growth profile as well. Yep. Yep. Now after that, you will see just some general information in regards to setting up a will. It is something I always recommend everyone to do. Here's just some information for you in regards to a will and then also power of attorney. If you do wanna have a bit of a read over that in your own time. And that just takes us through the end, which just shows you your remuneration, and that is on page 27. So let me know if you can Yep. see that. Now Yep. like I said in the under review, no changes whatsoever in regards to the fee structure. And because your partner is a client, we're keeping that reduced at the 1.1%. No changes whatsoever. And I have also just included your insurances with Encompass because we do get commission from them. But that is your insurer paying us. It is not you paying us. But for compliance Okay. purposes, we have to disclose that so that you are fully aware. And that is the same for every single insurer out there, so it doesn't sway us in any way to recommend one provider over the other. Does that make sense? Yep. Yep.","start_word":3467,"end_word":3779,"sentiment":"neutral","sentiment_score":0.1168500148831084},{"text":"And that was essentially everything. So pretty straightforward today. So, basically, from here, if you want to take some time, have a bit of a read over it, you're more than welcome to. But if you feel like you it all makes sense and you're happy to go ahead, then it would just be to sign that one document that then Yep. lets me know that you're happy with this change. It will come through to me digitally if you do, and then I will let the team know to go ahead and make these investments changes for you.","start_word":3780,"end_word":3878,"sentiment":"positive","sentiment_score":0.5437155961990356},{"text":"Do you have any questions No. for me?","start_word":3879,"end_word":3886,"sentiment":"neutral","sentiment_score":0.016128871589899063},{"text":"I'm The pretty good.","start_word":3887,"end_word":3890,"sentiment":"positive","sentiment_score":0.414199560880661},{"text":"I think I've got the date right on there. I just tapped it, and it went in automatically, but I can't see it. it it should automatically if you add the little signature, it should automatically add Yeah. the Yep. the date. And then Yeah. I think It's it in says there, I think. You just go do you just go next validate. after you've Yes. done it? Yep. Yep. And what does it say now for you? Fill in. Yep. It's the declaration above it sort of thing. Yep. Yes. Sorry. It's been added there. If there is a you wanted to make any changes, you can type it out. But if there's no changes, otherwise, you could just do, like, a full stop or NA, and it should allow you to go through finish it. I just put NA in there, and then it says validate. Yes. Yep. And when you press Yep. the validate, it should then have one of those cog wheels and load a little bit. Yep. And then when it usually, after a couple of minutes, it will then finish loading, and it will come through to me. So I will keep a little lookout for that.","start_word":3891,"end_word":4093,"sentiment":"neutral","sentiment_score":0.1516346037387848},{"text":"When that comes through, I'll let the team know, and we will go ahead and make this change for you.","start_word":4094,"end_word":4113,"sentiment":"positive","sentiment_score":0.3974304795265198},{"text":"But like I said, if there's anything else that you need at any point in time, doesn't have to be, obviously, on review time. If there's anything that you need, don't hesitate to give us a call.","start_word":4114,"end_word":4150,"sentiment":"neutral","sentiment_score":0.09665714204311372},{"text":"No worries. Thank you very much. No problem at all. Well, thank you so much for your time today, and I will let you go and enjoy the rest of your afternoon. Thanks, Veronica. Thanks. We'll speak soon. Cheers. See you.","start_word":4151,"end_word":4191,"sentiment":"positive","sentiment_score":0.6868686676025391},{"text":"Bye.","start_word":4192,"end_word":4192,"sentiment":"neutral","sentiment_score":0.29387661814689636}],"average":{"sentiment":"neutral","sentiment_score":0.15210699656653026}}}}