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Is now still a good time? Yes. It probably only take about five minutes or so. It's a pretty simple one. Now just for security purposes, even though I can hear it's you, Jenna, just need to confirm full name, date of birth, and address, please. Yep. Yes, please. Yep. K. No. We have that one. Yep. No. We have the the new one, the 12 Scenic Drive, so that's great. I'm just letting you know that the calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. Now I'll try to keep it quick for you. Do you have access to your emails or kind of on the go at the moment? Okay. Oh, that's okay. Like I said, I'm I'm happy to just go through. It's it's very straightforward. Just go through it quickly with you. And then later, when you have a bit of time and when, obviously, everyone's feeling a bit better, have a read through it. And if you have any questions, let me know. Yeah. Perfect. Now you will see that the document, it is quite long. It's still 34 pages, but a lot of it is just the compliance just to make sure you understand everything. Like I said, it is pretty straightforward. The only thing we were looking at today is your super investments to see if we needed to make any changes. I have also included some information in regards to estate planning, so it will power of attorney, and then also just making sure we have your wife nominated everywhere as well just to make sure if something were to happen to you, that all goes to her. So pretty straightforward. Now when it actually comes through the superannuation side, so I did research on your Hub 24 as well just to make sure that's still going to be the best option for you because there are always new products and features that are continuously coming out. So it is good to reassess it every now and then. And after doing so, I still recommend retaining Hub twenty four. It is very competitive when it comes to fees, investment choices, and flexibility. I used Hub twenty four for my personal super as well. Sorry. I have recommended to stay in it right now and literally just changing one investment. So the investment I have recommended that would change for you is that one I mentioned last time during the annual review, which was the Benelung Australian Equity. Now that was the one that was underperforming a little bit. Do you remember that conversation? Yep. Beautiful. So what I have recommended is that we change that one for another one, which is called the BetaShares Australia two hundred. Now because we are changing one Australian investment, we wanted to make sure that we still keep your portfolio, your growth portfolio still aligned and very diversified. We still wanna make sure we have some exposure to the Australian market. So by changing one, we looked for something that was quite similar but has performed better, and that was a little bit cheaper. So the a 200, it is a little bit more simplified than the Benelung in that it basically just invest in the 200 largest companies listed in Australia on the ASX. So pretty simple, very diversified. As the company grows and gets bigger, it gets added to the 200. And then as something gets smaller, it comes out. So it is a little bit more simple in that way, which also can lead to seeing less fluctuations because of it. Still gives you good exposure and good growth, though, versus the Bennelong where they were more kind of a lot smaller investments and not the 200 and more actively buying and selling different investments to try to outperform the market. So that is kind of like the main difference between them. Now what that actually looks like is I have included a new projection fee comparison table to show you. Now with the investments as well, I have also just recommended that we do a bit of a rebalancing to your portfolio, which we'd like to do every now and then. Basically, all that is is that we bring investments back into the intended allocation. Because as markets move, obviously, some investments grow and other like that that perform very strongly, like, they grow. So that means that they become a larger portion of your portfolio than we originally obviously planned, which can increase your overall risk. So, basically, rebalancing, it basically means we are kind of bringing everything back into the alignment or into the percentage that we intended for the portfolio and just kind of shift things around to make sure it's appropriate, aligns with your growth profile. Does that make sense? Yep. Yep. Yes. Yes. We do. So Hub twenty four is the platform that holds your money, and then Oakview manages all the investments for you. Yeah. So kind of think of Hub twenty four as your bank account as you would. Like, that's that's where you have the money, but they don't have control over what you invest in. So we that's why we come in. So we do all of that management for you. Yeah. Any questions with that? No. Correct. So hub twenty four is literally just where you have the money. Now part of the research is that mhmm. Yes. So not what they've done. They are showing correct. So they are showing you the administration side of it. So it's like they often when you get those monthly ones, it's showing you as contributions go into your fund. It gets invested, obviously, as per your investment portfolio that we have designed for you. So often so often, what those are is just notifications. So it's like same on, like, on on, like, a a bank. Sometimes you can just get a notification of what is happening with your account, but in terms of and, like, they are just administrators. So we, obviously, Telehub twenty four, do this or do this and have this setting in the back end to make sure we do this and and everything, and they will just action that for us. So they're literally just the platform. Yeah. Correct. Correct. Makes more sense. Yeah. And the good thing as well is because we are not tied to Hub twenty four in any way, shape, or form. And that is also with the the annual review. When I do the research, it's like, well, if I research Macquarie or or Super Standard Time Trust or Seaver or any other super funds, we do that as part of the research. And if that shows that any of those option are better than hub twenty four, then I will tell you that I recommend that we go there. Like, there is nothing sticking with hub twenty four forever if that is not going to be the best option for you. So that's why it's really good as well that there's no ties to anything, that we just do research on all products, and we can then recommend whatever is going to be the best for you. So, for example, if you went to Macquarie and you spoke to an adviser at Macquarie, they are restricted to only recommending products that they have, whereas I'm not. We are not. We are completely independent. Yep. Yep. Does that make sense? Correct. They're the platform where we then that allows us to choose the different investments. Yes. Correct. Yes. They have correct. So we don't physically correct. So we physically don't have your money at all. It's all with Hub twenty four. They are the administrator. They are the platform that holds your money. We just direct and tell Hub twenty four how we should invest the money and make sure everything is set up correctly for you. But if you were to, you know, turn 60 retiring, then we will submit a form to Hub twenty four, and Hub twenty four will release that money directly to you. Yep. Yep. Yes. Super. Yep. Yep. Yep. Yes. So There is a couple of yeah. No. There's a couple of different options. So Hub 24 is predominantly an adviser portal because of the sophistication. If you were to tell me, I don't need your help anymore. I wanna do it all myself. What would happen then is we would just remove our servicing rights with Hub twenty four. You could then decide yourself whether you wanted to stay with Hub twenty four and manage all your investments yourself. Now from a personal point of view, there are some restrictions on accessibility with investment. So you may have to choose slightly different investments than what we have you invested in because they will put you in a different product. But in theory, you can completely stay with hub twenty four and manage everything yourself, or you could have an another adviser from taking over manage hub twenty four for you. Or you could tell me, I don't wanna stay with hub twenty four. I wanna roll through AustralianSuper, and then we would help you to do that. And then you would obviously manage everything yourself moving forward. Does that make sense? Yeah. Mhmm. Yep. Yes. Yeah. Yes. Yeah. Oh, no. No. I'm glad. Any questions, just let me know. But now, actually yeah. So with your investments, just rebalancing it. Not changing everything, just kind of rebalancing, bringing everything back to alignment, making sure you're not taking any unnecessary risk and everything, and just making that one investment change, like I said. Now, obviously, as well, we can't just so with, obviously, the personalized advice and the reason we have to go through the SOA is that I can't we can't just decide to be like, oh, cool. We're gonna go change this investment and have 24 for you. We have to go through this SOA. You have to physically sign the document to say that you are happy with the changes before we can actually go and make it. So even though we have oversight of what we can manage for you, it has to be with your written approval. Like, we can't just go and be like, oh, cool. Let's change this. Like, you have to agree to it, which is why sometimes this SOA process can be a bit tedious, but it is also to make sure that you are fully informed and fully approving of everything before anything would happen. Yep. Perfect. Now what that actually looks like, though, for you is I have included a bit of an updated projection to show you the outcome. Like I said, it's literally changing one investment and rebalancing a little bit. So pretty straightforward. But by doing so, the fees are actually a little bit cheaper, and that is because Bennelong is a little bit more expensive than the a 200 investment. So it is saving you about $510 in investment fees per year, which is pretty good. Yeah. Thank you. Now with the actual alright. Now with the actual returns as well, I have also shown you what that looks like. So, again, pretty straightforward. Just changing one investment, and I have shown you twelve month, three years, five years, and ten year time frame so that you can see it. And across all of those, all four time frames, the new recommended portfolio, which again is just one investment change and rebalancing, it has outperformed. So you if we're looking at, let's say, their last twelve months, it was sitting at about 12.5% before fees. Recommended is 16.5. So, again, improving things a little bit for you, which is great. We like to look a bit more long term because, obviously, in the short term, they can leave it of, like, cyclical trends with the investment. Even if we look at a five year rolling average, current one is sitting at about 9.54. Recommended is 11.5. So, again, even across your longer time frame, it has still performed better and is cheaper for you. Yeah. Now I do wanna let you know that sometimes when we do change investments, and that is something we factor in in the research, is that when you are selling investments, there can be capital gains tax associated with selling something. So we're obviously trying to make sure we minimize that as much as possible when we are recommending changes. And the way that things are at the moment and it can change on the daily, but the way that when we did the research, there's estimated to be no capital gains tax with this investment change, which is great. Yep. Now for example yes. No. It's all within the super environment. So it would just be, like, a fee that would come out directly from super. So hub twenty four would yes. Yeah. Yes. Now, for example, I did consider, like, other super funds for you, and the capital gains tax by changing would have been about 4,775. Obviously, we wanna avoid that. Sorry. The the recommendation currently doesn't trigger any capital gains tax, which is great. So pretty straightforward. We're not changing your risk at all, keeping you within the growth portfolio, keeping it in line with our 8020 allocation. And like I said, literally just changing that one investment and rebalance things for you. Now I I have also, just for your reference, if things can change all the time, I have on page 19, when you have a look at it, done a bit of a retirement income calculator just to show you where the way things are currently, what that then would be projected for when you actually want to start drawing an income from super. Now it is using more conservative return, so it's kind of assuming that when you turn 60, 60, you wanna reduce your risk profile and go conservative. That's not always the case, but I would rather be a bit more conservative in these retirement projections. And then if you do end up obviously working longer and being more in a growth, it's just gonna grow more. But that basically shows you that when if you do wanna start accessing super at about 65 and you wanted to draw an income of about $2,000 a fortnight or $1,000 a week, It breaks down everything for you. So it shows you how much you can take from your super. Obviously, because of the investment property as well, it also shows you that. But it basically shows you that your super will last easily until 87. And 87, it would then be a very minimal age pension to supplement your superannuation if at the time you're still eligible. And then it kind of continues. And it shows you all the way through 99. Does that make sense? Yeah. Yeah. Beautiful. And that was essentially it. Like I said, I have also included that we obviously wanna make sure that your child insurances is directed to Alexandra as well if something were to happen. And I have included just some general information in regards to setting up a will and power of attorney. It is something I always recommend everyone to do. It's just some information there for you. And that was essentially everything. So pretty straightforward. The fees are not changing like I mentioned last time as well. That ongoing advice fee is exactly the same at 1 0.65. So if you, when you have a moment to have a read through the document, are happy with the investment changes and you wanna go ahead, there is no additional fees and charges. It is all inclusive of the ongoing advice fee. Perfect. Now I will let you go and hopefully look after your child and that they're okay. And when you have a moment, just have a look through the document. Any questions, you just give me a call. If you have a read through with it, it all makes sense and you are happy to move forward. It will just ask for your signature. Once you've added the signature, it will then validate and send it directly back to me, and I will get notified. And that tells me that you are then happy with it, and I will let the investment team know to make those changes for you. Yeah. No problem at all. I hope you enjoy the rest of your day as much as you can, hopefully, and have a good weekend. No worries. We'll speak soon. Alright. 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Is this Grant? Yeah. Good. Thanks.\n\nHow are you? That's good. I had you booked in. It is a pretty quick one today just to go over the research I did on your super investments. Is now still a good time?\n\nYes. It probably only take about five minutes or so. It's a pretty simple one. Now just for security purposes, even though I can hear it's you, Jenna, just need to confirm full name, date of birth, and address, please. Yep.\n\nYes, please. Yep. K. No. We have that one.\n\nYep. No. We have the the new one, the 12 Scenic Drive, so that's great. I'm just letting you know that the calls are being recorded for quality and coaching purposes, if that's okay. Yep.\n\nPerfect. Now I'll try to keep it quick for you. Do you have access to your emails or kind of on the go at the moment? Okay. Oh, that's okay.\n\nLike I said, I'm I'm happy to just go through. It's it's very straightforward. Just go through it quickly with you. And then later, when you have a bit of time and when, obviously, everyone's feeling a bit better, have a read through it. And if you have any questions, let me know.\n\nYeah. Perfect. Now you will see that the document, it is quite long. It's still 34 pages, but a lot of it is just the compliance just to make sure you understand everything. Like I said, it is pretty straightforward.\n\nThe only thing we were looking at today is your super investments to see if we needed to make any changes. I have also included some information in regards to estate planning, so it will power of attorney, and then also just making sure we have your wife nominated everywhere as well just to make sure if something were to happen to you, that all goes to her. So pretty straightforward. Now when it actually comes through the superannuation side, so I did research on your Hub 24 as well just to make sure that's still going to be the best option for you because there are always new products and features that are continuously coming out. So it is good to reassess it every now and then.\n\nAnd after doing so, I still recommend retaining Hub twenty four. It is very competitive when it comes to fees, investment choices, and flexibility. I used Hub twenty four for my personal super as well. Sorry. I have recommended to stay in it right now and literally just changing one investment.\n\nSo the investment I have recommended that would change for you is that one I mentioned last time during the annual review, which was the Benelung Australian Equity. Now that was the one that was underperforming a little bit. Do you remember that conversation? Yep. Beautiful.\n\nSo what I have recommended is that we change that one for another one, which is called the BetaShares Australia two hundred. Now because we are changing one Australian investment, we wanted to make sure that we still keep your portfolio, your growth portfolio still aligned and very diversified. We still wanna make sure we have some exposure to the Australian market. So by changing one, we looked for something that was quite similar but has performed better, and that was a little bit cheaper. So the a 200, it is a little bit more simplified than the Benelung in that it basically just invest in the 200 largest companies listed in Australia on the ASX.\n\nSo pretty simple, very diversified. As the company grows and gets bigger, it gets added to the 200. And then as something gets smaller, it comes out. So it is a little bit more simple in that way, which also can lead to seeing less fluctuations because of it. Still gives you good exposure and good growth, though, versus the Bennelong where they were more kind of a lot smaller investments and not the 200 and more actively buying and selling different investments to try to outperform the market.\n\nSo that is kind of like the main difference between them. Now what that actually looks like is I have included a new projection fee comparison table to show you. Now with the investments as well, I have also just recommended that we do a bit of a rebalancing to your portfolio, which we'd like to do every now and then. Basically, all that is is that we bring investments back into the intended allocation. Because as markets move, obviously, some investments grow and other like that that perform very strongly, like, they grow.\n\nSo that means that they become a larger portion of your portfolio than we originally obviously planned, which can increase your overall risk. So, basically, rebalancing, it basically means we are kind of bringing everything back into the alignment or into the percentage that we intended for the portfolio and just kind of shift things around to make sure it's appropriate, aligns with your growth profile. Does that make sense? Yep. Yep.\n\nYes. Yes. We do. So Hub twenty four is the platform that holds your money, and then Oakview manages all the investments for you. Yeah.\n\nSo kind of think of Hub twenty four as your bank account as you would. Like, that's that's where you have the money, but they don't have control over what you invest in. So we that's why we come in. So we do all of that management for you. Yeah.\n\nAny questions with that? No. Correct. So hub twenty four is literally just where you have the money. Now part of the research is that mhmm.\n\nYes. So not what they've done. They are showing correct. So they are showing you the administration side of it. So it's like they often when you get those monthly ones, it's showing you as contributions go into your fund.\n\nIt gets invested, obviously, as per your investment portfolio that we have designed for you. So often so often, what those are is just notifications. So it's like same on, like, on on, like, a a bank. Sometimes you can just get a notification of what is happening with your account, but in terms of and, like, they are just administrators. So we, obviously, Telehub twenty four, do this or do this and have this setting in the back end to make sure we do this and and everything, and they will just action that for us.\n\nSo they're literally just the platform. Yeah. Correct. Correct. Makes more sense.\n\nYeah. And the good thing as well is because we are not tied to Hub twenty four in any way, shape, or form. And that is also with the the annual review. When I do the research, it's like, well, if I research Macquarie or or Super Standard Time Trust or Seaver or any other super funds, we do that as part of the research. And if that shows that any of those option are better than hub twenty four, then I will tell you that I recommend that we go there.\n\nLike, there is nothing sticking with hub twenty four forever if that is not going to be the best option for you. So that's why it's really good as well that there's no ties to anything, that we just do research on all products, and we can then recommend whatever is going to be the best for you. So, for example, if you went to Macquarie and you spoke to an adviser at Macquarie, they are restricted to only recommending products that they have, whereas I'm not. We are not. We are completely independent.\n\nYep. Yep. Does that make sense? Correct. They're the platform where we then that allows us to choose the different investments.\n\nYes. Correct. Yes. They have correct. So we don't physically correct.\n\nSo we physically don't have your money at all. It's all with Hub twenty four. They are the administrator. They are the platform that holds your money. We just direct and tell Hub twenty four how we should invest the money and make sure everything is set up correctly for you.\n\nBut if you were to, you know, turn 60 retiring, then we will submit a form to Hub twenty four, and Hub twenty four will release that money directly to you. Yep. Yep. Yes. Super.\n\nYep. Yep. Yep. Yes. So There is a couple of yeah.\n\nNo. There's a couple of different options. So Hub 24 is predominantly an adviser portal because of the sophistication. If you were to tell me, I don't need your help anymore. I wanna do it all myself.\n\nWhat would happen then is we would just remove our servicing rights with Hub twenty four. You could then decide yourself whether you wanted to stay with Hub twenty four and manage all your investments yourself. Now from a personal point of view, there are some restrictions on accessibility with investment. So you may have to choose slightly different investments than what we have you invested in because they will put you in a different product. But in theory, you can completely stay with hub twenty four and manage everything yourself, or you could have an another adviser from taking over manage hub twenty four for you.\n\nOr you could tell me, I don't wanna stay with hub twenty four. I wanna roll through AustralianSuper, and then we would help you to do that. And then you would obviously manage everything yourself moving forward. Does that make sense? Yeah.\n\nMhmm. Yep. Yes. Yeah. Yes.\n\nYeah. Oh, no. No. I'm glad. Any questions, just let me know.\n\nBut now, actually yeah. So with your investments, just rebalancing it. Not changing everything, just kind of rebalancing, bringing everything back to alignment, making sure you're not taking any unnecessary risk and everything, and just making that one investment change, like I said. Now, obviously, as well, we can't just so with, obviously, the personalized advice and the reason we have to go through the SOA is that I can't we can't just decide to be like, oh, cool. We're gonna go change this investment and have 24 for you.\n\nWe have to go through this SOA. You have to physically sign the document to say that you are happy with the changes before we can actually go and make it. So even though we have oversight of what we can manage for you, it has to be with your written approval. Like, we can't just go and be like, oh, cool. Let's change this.\n\nLike, you have to agree to it, which is why sometimes this SOA process can be a bit tedious, but it is also to make sure that you are fully informed and fully approving of everything before anything would happen. Yep. Perfect. Now what that actually looks like, though, for you is I have included a bit of an updated projection to show you the outcome. Like I said, it's literally changing one investment and rebalancing a little bit.\n\nSo pretty straightforward. But by doing so, the fees are actually a little bit cheaper, and that is because Bennelong is a little bit more expensive than the a 200 investment. So it is saving you about $510 in investment fees per year, which is pretty good. Yeah. Thank you.\n\nNow with the actual alright. Now with the actual returns as well, I have also shown you what that looks like. So, again, pretty straightforward. Just changing one investment, and I have shown you twelve month, three years, five years, and ten year time frame so that you can see it. And across all of those, all four time frames, the new recommended portfolio, which again is just one investment change and rebalancing, it has outperformed.\n\nSo you if we're looking at, let's say, their last twelve months, it was sitting at about 12.5% before fees. Recommended is 16.5. So, again, improving things a little bit for you, which is great. We like to look a bit more long term because, obviously, in the short term, they can leave it of, like, cyclical trends with the investment. Even if we look at a five year rolling average, current one is sitting at about 9.54.\n\nRecommended is 11.5. So, again, even across your longer time frame, it has still performed better and is cheaper for you. Yeah. Now I do wanna let you know that sometimes when we do change investments, and that is something we factor in in the research, is that when you are selling investments, there can be capital gains tax associated with selling something. So we're obviously trying to make sure we minimize that as much as possible when we are recommending changes.\n\nAnd the way that things are at the moment and it can change on the daily, but the way that when we did the research, there's estimated to be no capital gains tax with this investment change, which is great. Yep. Now for example yes. No. It's all within the super environment.\n\nSo it would just be, like, a fee that would come out directly from super. So hub twenty four would yes. Yeah. Yes. Now, for example, I did consider, like, other super funds for you, and the capital gains tax by changing would have been about 4,775.\n\nObviously, we wanna avoid that. Sorry. The the recommendation currently doesn't trigger any capital gains tax, which is great. So pretty straightforward. We're not changing your risk at all, keeping you within the growth portfolio, keeping it in line with our 8020 allocation.\n\nAnd like I said, literally just changing that one investment and rebalance things for you. Now I I have also, just for your reference, if things can change all the time, I have on page 19, when you have a look at it, done a bit of a retirement income calculator just to show you where the way things are currently, what that then would be projected for when you actually want to start drawing an income from super. Now it is using more conservative return, so it's kind of assuming that when you turn 60, 60, you wanna reduce your risk profile and go conservative. That's not always the case, but I would rather be a bit more conservative in these retirement projections. And then if you do end up obviously working longer and being more in a growth, it's just gonna grow more.\n\nBut that basically shows you that when if you do wanna start accessing super at about 65 and you wanted to draw an income of about $2,000 a fortnight or $1,000 a week, It breaks down everything for you. So it shows you how much you can take from your super. Obviously, because of the investment property as well, it also shows you that. But it basically shows you that your super will last easily until 87. And 87, it would then be a very minimal age pension to supplement your superannuation if at the time you're still eligible.\n\nAnd then it kind of continues. And it shows you all the way through 99. Does that make sense? Yeah. Yeah.\n\nBeautiful. And that was essentially it. Like I said, I have also included that we obviously wanna make sure that your child insurances is directed to Alexandra as well if something were to happen. And I have included just some general information in regards to setting up a will and power of attorney. It is something I always recommend everyone to do.\n\nIt's just some information there for you. And that was essentially everything. So pretty straightforward. The fees are not changing like I mentioned last time as well. That ongoing advice fee is exactly the same at 1 0.65.\n\nSo if you, when you have a moment to have a read through the document, are happy with the investment changes and you wanna go ahead, there is no additional fees and charges. It is all inclusive of the ongoing advice fee. Perfect. Now I will let you go and hopefully look after your child and that they're okay. And when you have a moment, just have a look through the document.\n\nAny questions, you just give me a call. If you have a read through with it, it all makes sense and you are happy to move forward. It will just ask for your signature. Once you've added the signature, it will then validate and send it directly back to me, and I will get notified. And that tells me that you are then happy with it, and I will let the investment team know to make those changes for you.\n\nYeah. No problem at all. I hope you enjoy the rest of your day as much as you can, hopefully, and have a good weekend. No worries. We'll speak soon.\n\nAlright. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":7.52,"end":7.8399997,"sentiment":"neutral","sentiment_score":0.006689963862299919},{"text":"Is this Grant?","start":7.8399997,"end":8.66,"sentiment":"neutral","sentiment_score":0.009321865160018206},{"text":"Yeah.","start":11.36,"end":11.679999,"sentiment":"neutral","sentiment_score":0.25875186920166016},{"text":"Good.","start":11.679999,"end":11.92,"sentiment":"positive","sentiment_score":0.49984484910964966},{"text":"Thanks.","start":11.92,"end":12.16,"sentiment":"positive","sentiment_score":0.5121719837188721}],"sentiment":"neutral","sentiment_score":0.18648918019607663,"num_words":7,"start":7.52,"end":12.16},{"sentences":[{"text":"How are you?","start":12.16,"end":13.059999,"sentiment":"neutral","sentiment_score":0.2959146002928416},{"text":"That's good.","start":15.015,"end":15.915,"sentiment":"positive","sentiment_score":0.5323206186294556},{"text":"I had you booked in.","start":16.695,"end":17.735,"sentiment":"neutral","sentiment_score":0.28057279586791994},{"text":"It is a pretty quick one today just to go over the research I did on your super investments.","start":17.735,"end":22.235,"sentiment":"neutral","sentiment_score":0.26548155593244654},{"text":"Is now still a good time?","start":22.295,"end":23.675,"sentiment":"neutral","sentiment_score":0.15507451941569647}],"sentiment":"neutral","sentiment_score":0.2665670199053628,"num_words":35,"start":12.16,"end":23.675},{"sentences":[{"text":"Yes.","start":24.855,"end":25.11,"sentiment":"neutral","sentiment_score":0.01738840341567993},{"text":"It probably only take about five minutes or so.","start":26.95,"end":29.19,"sentiment":"neutral","sentiment_score":0.06990425826774703},{"text":"It's a pretty simple one.","start":29.19,"end":30.89,"sentiment":"neutral","sentiment_score":0.22880863547325134},{"text":"Now just for security purposes, even though I can hear it's you, Jenna, just need to confirm full name, date of birth, and address, please.","start":32.87,"end":40.25,"sentiment":"neutral","sentiment_score":0.06386260122060776},{"text":"Yep.","start":51.885002,"end":52.385002,"sentiment":"neutral","sentiment_score":0.019461743533611298}],"sentiment":"neutral","sentiment_score":0.08308772388391378,"num_words":41,"start":24.855,"end":52.385002},{"sentences":[{"text":"Yes, please.","start":54.56,"end":55.54,"sentiment":"neutral","sentiment_score":0.017083405517041683},{"text":"Yep.","start":61.68,"end":62.18,"sentiment":"neutral","sentiment_score":0.017480256035923958},{"text":"K.","start":62.24,"end":62.74,"sentiment":"neutral","sentiment_score":0.002258601598441601},{"text":"No.","start":64.735,"end":64.975,"sentiment":"neutral","sentiment_score":-0.01101268082857132},{"text":"We have that one.","start":64.975,"end":66.115,"sentiment":"neutral","sentiment_score":-0.00577412499114871}],"sentiment":"neutral","sentiment_score":0.002199609763920307,"num_words":9,"start":54.56,"end":66.115},{"sentences":[{"text":"Yep.","start":66.735,"end":67.055,"sentiment":"neutral","sentiment_score":0.08413498103618622},{"text":"No.","start":67.055,"end":67.295,"sentiment":"neutral","sentiment_score":0.08853483200073242},{"text":"We have the the new one, the 12 Scenic Drive, so that's great.","start":67.295,"end":70.274994,"sentiment":"neutral","sentiment_score":0.26574912896523106},{"text":"I'm just letting you know that the calls are being recorded for quality and coaching purposes, if that's okay.","start":71.215,"end":76.274994,"sentiment":"neutral","sentiment_score":0.16094989015867836},{"text":"Yep.","start":77.63,"end":78.03,"sentiment":"neutral","sentiment_score":0.3014247417449951}],"sentiment":"neutral","sentiment_score":0.19962517555270876,"num_words":35,"start":66.735,"end":78.03},{"sentences":[{"text":"Perfect.","start":78.03,"end":78.53,"sentiment":"positive","sentiment_score":0.4478555917739868},{"text":"Now I'll try to keep it quick for you.","start":79.31,"end":81.31,"sentiment":"neutral","sentiment_score":0.25498195158110726},{"text":"Do you have access to your emails or kind of on the go at the moment?","start":81.31,"end":84.53,"sentiment":"neutral","sentiment_score":0.05672811344265938},{"text":"Okay.","start":87.39,"end":87.89,"sentiment":"neutral","sentiment_score":-0.05010396242141723},{"text":"Oh, that's okay.","start":90.285,"end":91.745,"sentiment":"neutral","sentiment_score":0.1283440738916397}],"sentiment":"neutral","sentiment_score":0.1328423743446668,"num_words":30,"start":78.03,"end":91.745},{"sentences":[{"text":"Like I said, I'm I'm happy to just go through.","start":91.805,"end":94.305,"sentiment":"positive","sentiment_score":0.4032364681363106},{"text":"It's it's very straightforward.","start":94.925,"end":96.545006,"sentiment":"positive","sentiment_score":0.505360946059227},{"text":"Just go through it quickly with you.","start":96.685005,"end":98.205,"sentiment":"positive","sentiment_score":0.4143051292215075},{"text":"And then later, when you have a bit of time and when, obviously, everyone's feeling a bit better, have a read through it.","start":98.205,"end":105.409996,"sentiment":"neutral","sentiment_score":0.2088072160663812},{"text":"And if you have any questions, let me know.","start":105.409996,"end":107.51,"sentiment":"neutral","sentiment_score":0.11911540230115254}],"sentiment":"neutral","sentiment_score":0.27978394264882467,"num_words":53,"start":91.805,"end":107.51},{"sentences":[{"text":"Yeah.","start":109.409996,"end":109.729996,"sentiment":"neutral","sentiment_score":0.2954169511795044},{"text":"Perfect.","start":109.729996,"end":110.229996,"sentiment":"positive","sentiment_score":0.5774706602096558},{"text":"Now you will see that the document, it is quite long.","start":110.53,"end":114.775,"sentiment":"neutral","sentiment_score":0.17107695882970636},{"text":"It's still 34 pages, but a lot of it is just the compliance just to make sure you understand everything.","start":114.775,"end":120.795,"sentiment":"neutral","sentiment_score":0.18269373327493668},{"text":"Like I said, it is pretty straightforward.","start":121.255,"end":123.115,"sentiment":"positive","sentiment_score":0.4341834144932883}],"sentiment":"neutral","sentiment_score":0.23619731813669204,"num_words":40,"start":109.409996,"end":123.115},{"sentences":[{"text":"The only thing we were looking at today is your super investments to see if we needed to make any changes.","start":123.175,"end":129.275,"sentiment":"neutral","sentiment_score":0.10768478718541917},{"text":"I have also included some information in regards to estate planning, so it will power of attorney, and then also just making sure we have your wife nominated everywhere as well just to make sure if something were to happen to you, that all goes to her.","start":130.01999,"end":145.335,"sentiment":"neutral","sentiment_score":0.1790155731934182},{"text":"So pretty straightforward.","start":146.29501,"end":147.515,"sentiment":"positive","sentiment_score":0.5763245423634847},{"text":"Now when it actually comes through the superannuation side, so I did research on your Hub 24 as well just to make sure that's still going to be the best option for you because there are always new products and features that are continuously coming out.","start":148.05501,"end":164.2,"sentiment":"neutral","sentiment_score":0.17801097845253738},{"text":"So it is good to reassess it every now and then.","start":164.2,"end":166.94,"sentiment":"neutral","sentiment_score":0.22531092166900635}],"sentiment":"neutral","sentiment_score":0.1802422753535211,"num_words":128,"start":123.175,"end":166.94},{"sentences":[{"text":"And after doing so, I still recommend retaining Hub twenty four.","start":168.2,"end":172.28,"sentiment":"neutral","sentiment_score":0.2806233641776172},{"text":"It is very competitive when it comes to fees, investment choices, and flexibility.","start":172.28,"end":177.63501,"sentiment":"positive","sentiment_score":0.4678876308294443},{"text":"I used Hub twenty four for my personal super as well.","start":178.49501,"end":181.79501,"sentiment":"neutral","sentiment_score":0.3175921115008267},{"text":"Sorry.","start":182.41501,"end":182.735,"sentiment":"neutral","sentiment_score":-0.05466430261731148},{"text":"I have recommended to stay in it right now and literally just changing one investment.","start":182.735,"end":187.875,"sentiment":"neutral","sentiment_score":-0.05349334826072057}],"sentiment":"neutral","sentiment_score":0.23148715503367723,"num_words":51,"start":168.2,"end":187.875},{"sentences":[{"text":"So the investment I have recommended that would change for you is that one I mentioned last time during the annual review, which was the Benelung Australian Equity.","start":189.12001,"end":199.06,"sentiment":"neutral","sentiment_score":0.005795428861996957},{"text":"Now that was the one that was underperforming a little bit.","start":199.20001,"end":201.84001,"sentiment":"neutral","sentiment_score":-0.17379449172453446},{"text":"Do you remember that conversation?","start":201.84001,"end":203.22,"sentiment":"neutral","sentiment_score":-0.052162254601716994},{"text":"Yep.","start":204.835,"end":205.335,"sentiment":"neutral","sentiment_score":0.16665033996105194},{"text":"Beautiful.","start":205.63501,"end":206.13501,"sentiment":"positive","sentiment_score":0.3552102744579315}],"sentiment":"neutral","sentiment_score":-0.03235691433529491,"num_words":46,"start":189.12001,"end":206.13501},{"sentences":[{"text":"So what I have recommended is that we change that one for another one, which is called the BetaShares Australia two hundred.","start":206.515,"end":214.29501,"sentiment":"neutral","sentiment_score":0.07611913877454671},{"text":"Now because we are changing one Australian investment, we wanted to make sure that we still keep your portfolio, your growth portfolio still aligned and very diversified.","start":214.91501,"end":225.56,"sentiment":"neutral","sentiment_score":0.14991095662117004},{"text":"We still wanna make sure we have some exposure to the Australian market.","start":226.42,"end":230.04,"sentiment":"neutral","sentiment_score":0.14038245379924774},{"text":"So by changing one, we looked for something that was quite similar but has performed better, and that was a little bit cheaper.","start":230.18,"end":237.295,"sentiment":"neutral","sentiment_score":0.09599556449962698},{"text":"So the a 200, it is a little bit more simplified than the Benelung in that it basically just invest in the 200 largest companies listed in Australia on the ASX.","start":237.91501,"end":248.39,"sentiment":"neutral","sentiment_score":0.17405657181816717}],"sentiment":"neutral","sentiment_score":0.13061069388841762,"num_words":116,"start":206.515,"end":248.39},{"sentences":[{"text":"So pretty simple, very diversified.","start":248.53,"end":250.55,"sentiment":"positive","sentiment_score":0.6347565650939941},{"text":"As the company grows and gets bigger, it gets added to the 200.","start":251.01,"end":254.70999,"sentiment":"positive","sentiment_score":0.42207480852420515},{"text":"And then as something gets smaller, it comes out.","start":255.09,"end":257.65,"sentiment":"neutral","sentiment_score":0.22961804436312783},{"text":"So it is a little bit more simple in that way, which also can lead to seeing less fluctuations because of it.","start":257.65,"end":263.86502,"sentiment":"positive","sentiment_score":0.3811001865701242},{"text":"Still gives you good exposure and good growth, though, versus the Bennelong where they were more kind of a lot smaller investments and not the 200 and more actively buying and selling different investments to try to outperform the market.","start":264.005,"end":278.28,"sentiment":"neutral","sentiment_score":0.17027956871315836}],"sentiment":"neutral","sentiment_score":0.2912663436923804,"num_words":89,"start":248.53,"end":278.28},{"sentences":[{"text":"So that is kind of like the main difference between them.","start":278.28,"end":281.1,"sentiment":"neutral","sentiment_score":0.024078999392010948},{"text":"Now what that actually looks like is I have included a new projection fee comparison table to show you.","start":281.96,"end":290.055,"sentiment":"neutral","sentiment_score":0.09018045036416304},{"text":"Now with the investments as well, I have also just recommended that we do a bit of a rebalancing to your portfolio, which we'd like to do every now and then.","start":290.75497,"end":301.57498,"sentiment":"neutral","sentiment_score":0.14794485895864426},{"text":"Basically, all that is is that we bring investments back into the intended allocation.","start":301.83,"end":306.73,"sentiment":"neutral","sentiment_score":0.1531345248222351},{"text":"Because as markets move, obviously, some investments grow and other like that that perform very strongly, like, they grow.","start":307.59,"end":316.01,"sentiment":"neutral","sentiment_score":0.11947964014191377}],"sentiment":"neutral","sentiment_score":0.11679345412932812,"num_words":94,"start":278.28,"end":316.01},{"sentences":[{"text":"So that means that they become a larger portion of your portfolio than we originally obviously planned, which can increase your overall risk.","start":316.32498,"end":324.985,"sentiment":"neutral","sentiment_score":-0.015812152429767277},{"text":"So, basically, rebalancing, it basically means we are kind of bringing everything back into the alignment or into the percentage that we intended for the portfolio and just kind of shift things around to make sure it's appropriate, aligns with your growth profile.","start":325.125,"end":340.91,"sentiment":"neutral","sentiment_score":0.15322015404181424},{"text":"Does that make sense?","start":341.37003,"end":342.43002,"sentiment":"neutral","sentiment_score":0.11582614295184612},{"text":"Yep.","start":344.395,"end":344.715,"sentiment":"neutral","sentiment_score":0.07515715807676315},{"text":"Yep.","start":344.715,"end":345.215,"sentiment":"neutral","sentiment_score":0.02048494666814804}],"sentiment":"neutral","sentiment_score":0.09421852492313418,"num_words":72,"start":316.32498,"end":345.215},{"sentences":[{"text":"Yes.","start":346.555,"end":347.055,"sentiment":"neutral","sentiment_score":0.0014537293463945389},{"text":"Yes.","start":355.13,"end":355.63,"sentiment":"neutral","sentiment_score":-0.007473866455256939},{"text":"We do.","start":364.49002,"end":365.29,"sentiment":"neutral","sentiment_score":0.045384712517261505},{"text":"So Hub twenty four is the platform that holds your money, and then Oakview manages all the investments for you.","start":365.29,"end":373.53497,"sentiment":"neutral","sentiment_score":0.11172764413058758},{"text":"Yeah.","start":376.47498,"end":376.97498,"sentiment":"neutral","sentiment_score":0.050235144793987274}],"sentiment":"neutral","sentiment_score":0.09478149261325598,"num_words":25,"start":346.555,"end":376.97498},{"sentences":[{"text":"So kind of think of Hub twenty four as your bank account as you would.","start":377.115,"end":382.35,"sentiment":"neutral","sentiment_score":0.051246285811066626},{"text":"Like, that's that's where you have the money, but they don't have control over what you invest in.","start":382.35,"end":389.16998,"sentiment":"neutral","sentiment_score":0.03324443329539564},{"text":"So we that's why we come in.","start":389.38998,"end":390.99,"sentiment":"neutral","sentiment_score":0.1578082420996257},{"text":"So we do all of that management for you.","start":390.99,"end":393.81,"sentiment":"neutral","sentiment_score":0.2985790769259135},{"text":"Yeah.","start":397.155,"end":397.655,"sentiment":"neutral","sentiment_score":0.22694270312786105}],"sentiment":"neutral","sentiment_score":0.10771812353283167,"num_words":50,"start":377.115,"end":397.655},{"sentences":[{"text":"Any questions with that?","start":399.395,"end":400.695,"sentiment":"neutral","sentiment_score":0.05203627562150359},{"text":"No.","start":414.69,"end":415.19,"sentiment":"neutral","sentiment_score":-0.2640187740325928},{"text":"Correct.","start":416.44998,"end":416.94998,"sentiment":"neutral","sentiment_score":0.13011449575424194},{"text":"So hub twenty four is literally just where you have the money.","start":417.72998,"end":420.78998,"sentiment":"neutral","sentiment_score":0.16548041626811028},{"text":"Now part of the research is that mhmm.","start":420.935,"end":428.375,"sentiment":"neutral","sentiment_score":-0.0007294684182852507}],"sentiment":"neutral","sentiment_score":0.07900654123379634,"num_words":26,"start":399.395,"end":428.375},{"sentences":[{"text":"Yes.","start":428.375,"end":428.875,"sentiment":"neutral","sentiment_score":0.0306954775005579},{"text":"So not what they've done.","start":445.685,"end":446.885,"sentiment":"neutral","sentiment_score":-0.15815633833408355},{"text":"They are showing correct.","start":446.885,"end":448.565,"sentiment":"neutral","sentiment_score":-0.018690742552280426},{"text":"So they are showing you the administration side of it.","start":448.565,"end":451.045,"sentiment":"neutral","sentiment_score":0.08081054463982582},{"text":"So it's like they often when you get those monthly ones, it's showing you as contributions go into your fund.","start":451.045,"end":458.405,"sentiment":"neutral","sentiment_score":0.09027045294642448}],"sentiment":"neutral","sentiment_score":0.044466633023694156,"num_words":40,"start":428.375,"end":458.405},{"sentences":[{"text":"It gets invested, obviously, as per your investment portfolio that we have designed for you.","start":458.405,"end":463.75,"sentiment":"neutral","sentiment_score":0.1276438886920611},{"text":"So often so often, what those are is just notifications.","start":464.45,"end":470.07,"sentiment":"neutral","sentiment_score":0.08157131932675839},{"text":"So it's like same on, like, on on, like, a a bank.","start":471.025,"end":473.345,"sentiment":"neutral","sentiment_score":0.07018953841179609},{"text":"Sometimes you can just get a notification of what is happening with your account, but in terms of and, like, they are just administrators.","start":473.345,"end":479.925,"sentiment":"neutral","sentiment_score":0.044449469385047756},{"text":"So we, obviously, Telehub twenty four, do this or do this and have this setting in the back end to make sure we do this and and everything, and they will just action that for us.","start":480.625,"end":490.5,"sentiment":"neutral","sentiment_score":0.15855142805311415}],"sentiment":"neutral","sentiment_score":0.10667303772931247,"num_words":97,"start":458.405,"end":490.5},{"sentences":[{"text":"So they're literally just the platform.","start":491.44,"end":493.30002,"sentiment":"neutral","sentiment_score":0.17945176114638647},{"text":"Yeah.","start":494.4,"end":494.895,"sentiment":"neutral","sentiment_score":0.043251022696495056},{"text":"Correct.","start":496.97498,"end":497.47498,"sentiment":"neutral","sentiment_score":0.17776457965373993},{"text":"Correct.","start":497.85498,"end":498.35498,"sentiment":"neutral","sentiment_score":0.29864901304244995},{"text":"Makes more sense.","start":500.41498,"end":501.47498,"sentiment":"neutral","sentiment_score":0.16823044419288635}],"sentiment":"neutral","sentiment_score":0.1750888762374719,"num_words":12,"start":491.44,"end":501.47498},{"sentences":[{"text":"Yeah.","start":504.41498,"end":504.815,"sentiment":"neutral","sentiment_score":0.042486295104026794},{"text":"And the good thing as well is because we are not tied to Hub twenty four in any way, shape, or form.","start":504.815,"end":510.115,"sentiment":"neutral","sentiment_score":0.2635346566411582},{"text":"And that is also with the the annual review.","start":510.47998,"end":512.56,"sentiment":"neutral","sentiment_score":0.1888597077793545},{"text":"When I do the research, it's like, well, if I research Macquarie or or Super Standard Time Trust or Seaver or any other super funds, we do that as part of the research.","start":512.56,"end":522.26,"sentiment":"neutral","sentiment_score":0.2011469898350311},{"text":"And if that shows that any of those option are better than hub twenty four, then I will tell you that I recommend that we go there.","start":522.54504,"end":528.54504,"sentiment":"neutral","sentiment_score":0.2703985097231688}],"sentiment":"neutral","sentiment_score":0.23346300585114438,"num_words":92,"start":504.41498,"end":528.54504},{"sentences":[{"text":"Like, there is nothing sticking with hub twenty four forever if that is not going to be the best option for you.","start":528.54504,"end":534.405,"sentiment":"neutral","sentiment_score":0.04408948563716628},{"text":"So that's why it's really good as well that there's no ties to anything, that we just do research on all products, and we can then recommend whatever is going to be the best for you.","start":534.77,"end":544.93,"sentiment":"positive","sentiment_score":0.36367279787858325},{"text":"So, for example, if you went to Macquarie and you spoke to an adviser at Macquarie, they are restricted to only recommending products that they have, whereas I'm not.","start":544.93,"end":555.695,"sentiment":"neutral","sentiment_score":-0.022472921734804224},{"text":"We are not.","start":555.695,"end":556.255,"sentiment":"neutral","sentiment_score":-0.02142985537648201},{"text":"We are completely independent.","start":556.255,"end":557.635,"sentiment":"neutral","sentiment_score":0.03634329605847597}],"sentiment":"neutral","sentiment_score":0.14352721590895523,"num_words":94,"start":528.54504,"end":557.635},{"sentences":[{"text":"Yep.","start":560.82996,"end":561.32996,"sentiment":"neutral","sentiment_score":0.05057729035615921},{"text":"Yep.","start":561.38995,"end":561.88995,"sentiment":"neutral","sentiment_score":0.04754658043384552},{"text":"Does that make sense?","start":562.26996,"end":563.41,"sentiment":"neutral","sentiment_score":0.03344110772013664},{"text":"Correct.","start":569.23,"end":569.70996,"sentiment":"neutral","sentiment_score":0.05834317207336426},{"text":"They're the platform where we then that allows us to choose the different investments.","start":569.70996,"end":574.435,"sentiment":"neutral","sentiment_score":0.0462300730869174}],"sentiment":"neutral","sentiment_score":0.044640595093369484,"num_words":21,"start":560.82996,"end":574.435},{"sentences":[{"text":"Yes.","start":579.295,"end":579.795,"sentiment":"neutral","sentiment_score":0.018797622993588448},{"text":"Correct.","start":583.055,"end":583.555,"sentiment":"neutral","sentiment_score":0.02703513763844967},{"text":"Yes.","start":583.695,"end":584.195,"sentiment":"neutral","sentiment_score":0.023687180131673813},{"text":"They have correct.","start":587.41,"end":589.99,"sentiment":"neutral","sentiment_score":-0.018706016863385837},{"text":"So we don't physically correct.","start":590.13,"end":592.95,"sentiment":"neutral","sentiment_score":-0.044516536965966226}],"sentiment":"neutral","sentiment_score":-0.019016435877843338,"num_words":11,"start":579.295,"end":592.95},{"sentences":[{"text":"So we physically don't have your money at 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directly to you.","start":607.305,"end":616.32,"sentiment":"neutral","sentiment_score":0.061119325819515416},{"text":"Yep.","start":619.44,"end":619.94,"sentiment":"neutral","sentiment_score":-0.11929959058761597},{"text":"Yep.","start":624.4,"end":624.9,"sentiment":"neutral","sentiment_score":0.27670204639434814},{"text":"Yes.","start":625.36,"end":625.86,"sentiment":"neutral","sentiment_score":-0.1098644882440567},{"text":"Super.","start":629.53503,"end":630.03503,"sentiment":"neutral","sentiment_score":-0.2015996277332306}],"sentiment":"neutral","sentiment_score":0.049732498292412074,"num_words":35,"start":607.305,"end":630.03503},{"sentences":[{"text":"Yep.","start":630.255,"end":630.755,"sentiment":"neutral","sentiment_score":-0.1712380051612854},{"text":"Yep.","start":631.61505,"end":632.11505,"sentiment":"neutral","sentiment_score":-0.19128921627998352},{"text":"Yep.","start":633.935,"end":634.435,"sentiment":"neutral","sentiment_score":-0.03664547950029373},{"text":"Yes.","start":638.335,"end":638.73505,"sentiment":"neutral","sentiment_score":0.00788799673318863},{"text":"So 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myself.","start":654.50995,"end":655.97,"sentiment":"neutral","sentiment_score":-0.16406534115473428}],"sentiment":"neutral","sentiment_score":-0.08860474507752303,"num_words":37,"start":644.11,"end":655.97},{"sentences":[{"text":"What would happen then is we would just remove our servicing rights with Hub twenty four.","start":656.565,"end":661.22504,"sentiment":"neutral","sentiment_score":-0.01583042019046843},{"text":"You could then decide yourself whether you wanted to stay with Hub twenty four and manage all your investments yourself.","start":661.525,"end":667.78503,"sentiment":"neutral","sentiment_score":0.02352144252508879},{"text":"Now from a personal point of view, there are some restrictions on accessibility with investment.","start":668.68,"end":674.86005,"sentiment":"neutral","sentiment_score":-0.12302049944798152},{"text":"So you may have to choose slightly different investments than what we have you invested in because they will put you in a different 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everything, and just making that one investment change, like I said.","start":751.75,"end":763.915,"sentiment":"neutral","sentiment_score":-0.05906083308218513},{"text":"Now, obviously, as well, we can't just so with, obviously, the personalized advice and the reason we have to go through the SOA is that I can't we can't just decide to be like, oh, cool.","start":764.055,"end":774.615,"sentiment":"neutral","sentiment_score":-0.034088134558664426},{"text":"We're gonna go change this investment and have 24 for you.","start":774.615,"end":777.21,"sentiment":"neutral","sentiment_score":-0.00027916161343455347}],"sentiment":"neutral","sentiment_score":-0.032481827845589985,"num_words":90,"start":748.31,"end":777.21},{"sentences":[{"text":"We have to go through this SOA.","start":777.37,"end":779.23004,"sentiment":"neutral","sentiment_score":0.02665115467139653},{"text":"You have to physically sign the document to say that you are happy with the changes before we can actually go and make 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happen.","start":794.185,"end":805.645,"sentiment":"neutral","sentiment_score":0.027231150958687066},{"text":"Yep.","start":808.45,"end":808.85004,"sentiment":"neutral","sentiment_score":0.24594327807426453},{"text":"Perfect.","start":808.85004,"end":809.35004,"sentiment":"neutral","sentiment_score":0.06390729546546936},{"text":"Now what that actually looks like, though, for you is I have included a bit of an updated projection to show you the outcome.","start":810.21,"end":818.945,"sentiment":"neutral","sentiment_score":0.11072693982472022},{"text":"Like I said, it's literally changing one investment and rebalancing a little bit.","start":818.945,"end":822.885,"sentiment":"neutral","sentiment_score":0.23366973606439737}],"sentiment":"neutral","sentiment_score":0.089800629576173,"num_words":79,"start":794.185,"end":822.885},{"sentences":[{"text":"So pretty straightforward.","start":822.945,"end":824.16504,"sentiment":"positive","sentiment_score":0.4297661979993184},{"text":"But by 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like.","start":849.245,"end":853.98505,"sentiment":"neutral","sentiment_score":0.1724650338292122},{"text":"So, again, pretty straightforward.","start":854.205,"end":855.48505,"sentiment":"positive","sentiment_score":0.34311188757419586},{"text":"Just changing one investment, and I have shown you twelve month, three years, five years, and ten year time frame so that you can see it.","start":855.48505,"end":865.75,"sentiment":"neutral","sentiment_score":0.20648174847547823},{"text":"And across all of those, all four time frames, the new recommended portfolio, which again is just one investment change and rebalancing, it has outperformed.","start":866.13,"end":875.99,"sentiment":"neutral","sentiment_score":0.3234868836402893}],"sentiment":"neutral","sentiment_score":0.2418096050816147,"num_words":76,"start":844.45996,"end":875.99},{"sentences":[{"text":"So you if we're looking at, let's say, their last twelve months, it was sitting at about 12.5% before 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4,775.","start":975.11,"end":984.49,"sentiment":"neutral","sentiment_score":0.009666785209750136}],"sentiment":"neutral","sentiment_score":0.015245104386926965,"num_words":47,"start":960.5,"end":984.49},{"sentences":[{"text":"Obviously, we wanna avoid that.","start":984.71,"end":986.39,"sentiment":"neutral","sentiment_score":-0.08112937062978745},{"text":"Sorry.","start":986.39,"end":986.79,"sentiment":"neutral","sentiment_score":0.003609716892242432},{"text":"The the recommendation currently doesn't trigger any capital gains tax, which is great.","start":986.79,"end":991.02496,"sentiment":"neutral","sentiment_score":0.1699844329402997},{"text":"So pretty straightforward.","start":992.445,"end":993.58496,"sentiment":"positive","sentiment_score":0.5346394181251526},{"text":"We're not changing your risk at all, keeping you within the growth portfolio, keeping it in line with our 8020 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conservative.","start":1030.655,"end":1040.13,"sentiment":"neutral","sentiment_score":0.04713740572333336},{"text":"That's not always the case, but I would rather be a bit more conservative in these retirement projections.","start":1040.4299,"end":1046.77,"sentiment":"neutral","sentiment_score":0.012187367305159569},{"text":"And then if you do end up obviously working longer and being more in a growth, it's just gonna grow more.","start":1047.23,"end":1052.565,"sentiment":"neutral","sentiment_score":0.08080900247607913}],"sentiment":"neutral","sentiment_score":0.09699695909331585,"num_words":145,"start":1001.805,"end":1052.565},{"sentences":[{"text":"But that basically shows you that when if you do wanna start accessing super at about 65 and you wanted to draw an income of about $2,000 a fortnight or $1,000 a week, It breaks down everything for you.","start":1053.365,"end":1069.05,"sentiment":"neutral","sentiment_score":0.11970370377485569},{"text":"So it shows you how much you can take from your super.","start":1069.05,"end":1072.11,"sentiment":"neutral","sentiment_score":0.3256716604034106},{"text":"Obviously, because of the investment property as well, it also shows you that.","start":1073.05,"end":1078.51,"sentiment":"neutral","sentiment_score":0.24968177424027369},{"text":"But it basically shows you that your super will last easily until 87.","start":1079.37,"end":1086.4651,"sentiment":"neutral","sentiment_score":0.2940259209045997},{"text":"And 87, it would then be a very minimal age pension to supplement your superannuation if at the time you're still eligible.","start":1087.005,"end":1096.4651,"sentiment":"neutral","sentiment_score":0.22452784736048093}],"sentiment":"neutral","sentiment_score":0.2079223944532751,"num_words":99,"start":1053.365,"end":1096.4651},{"sentences":[{"text":"And then it kind of continues.","start":1097.71,"end":1099.1499,"sentiment":"neutral","sentiment_score":0.15107128272453943},{"text":"And it shows you all the way through 99.","start":1099.1499,"end":1101.57,"sentiment":"neutral","sentiment_score":0.1790187954902649},{"text":"Does that make sense?","start":1104.5099,"end":1105.49,"sentiment":"neutral","sentiment_score":0.29560230672359467},{"text":"Yeah.","start":1107.63,"end":1108.13,"sentiment":"neutral","sentiment_score":0.2780610918998718},{"text":"Yeah.","start":1110.075,"end":1110.575,"sentiment":"positive","sentiment_score":0.3983941674232483}],"sentiment":"neutral","sentiment_score":0.2084029210465295,"num_words":21,"start":1097.71,"end":1110.575},{"sentences":[{"text":"Beautiful.","start":1110.635,"end":1111.115,"sentiment":"positive","sentiment_score":0.6272178888320923},{"text":"And that was essentially it.","start":1111.115,"end":1112.395,"sentiment":"positive","sentiment_score":0.3395411252975464},{"text":"Like I said, I have also included that we obviously wanna make sure that your child insurances is directed to Alexandra as well if something were to happen.","start":1112.395,"end":1121.135,"sentiment":"neutral","sentiment_score":0.25167529231735636},{"text":"And I have included just some general information in regards to setting up a will and power of attorney.","start":1121.515,"end":1126.26,"sentiment":"neutral","sentiment_score":0.1885262994389785},{"text":"It is something I always recommend everyone to do.","start":1126.26,"end":1128.6001,"sentiment":"positive","sentiment_score":0.33433529403474593}],"sentiment":"neutral","sentiment_score":0.2574653070299856,"num_words":62,"start":1110.635,"end":1128.6001},{"sentences":[{"text":"It's just some information there for you.","start":1128.66,"end":1130.92,"sentiment":"neutral","sentiment_score":0.2333837343113763},{"text":"And that was essentially everything.","start":1131.14,"end":1133.0,"sentiment":"neutral","sentiment_score":0.2109102874994278},{"text":"So pretty straightforward.","start":1133.2201,"end":1134.28,"sentiment":"neutral","sentiment_score":0.31272245446840924},{"text":"The fees are not changing like I mentioned last time as well.","start":1134.9,"end":1138.185,"sentiment":"neutral","sentiment_score":0.1885924848417441},{"text":"That ongoing advice fee is exactly the same at 1 0.65.","start":1138.425,"end":1141.9451,"sentiment":"neutral","sentiment_score":0.22561605952002786}],"sentiment":"neutral","sentiment_score":0.2202971424711378,"num_words":38,"start":1128.66,"end":1141.9451},{"sentences":[{"text":"So if you, when you have a moment to have a read through the document, are happy with the investment changes and you wanna go ahead, there is no additional fees and charges.","start":1141.9451,"end":1151.0651,"sentiment":"neutral","sentiment_score":0.327242600646886},{"text":"It is all inclusive of the ongoing advice fee.","start":1151.0651,"end":1153.95,"sentiment":"neutral","sentiment_score":0.2616092844141854},{"text":"Perfect.","start":1158.51,"end":1159.01,"sentiment":"positive","sentiment_score":0.722734808921814},{"text":"Now I will let you go and hopefully look after your child and that they're okay.","start":1159.23,"end":1166.37,"sentiment":"positive","sentiment_score":0.4689516890794039},{"text":"And when you have a moment, just have a look through the document.","start":1166.8151,"end":1170.8351,"sentiment":"neutral","sentiment_score":0.2941081776068761}],"sentiment":"positive","sentiment_score":0.35003968783550793,"num_words":72,"start":1141.9451,"end":1170.8351},{"sentences":[{"text":"Any questions, you just give me a call.","start":1171.2151,"end":1173.635,"sentiment":"neutral","sentiment_score":0.2769498787820339},{"text":"If you have a read through with it, it all makes sense and you are happy to move forward.","start":1173.855,"end":1177.6951,"sentiment":"positive","sentiment_score":0.5179264796407599},{"text":"It will just ask for your signature.","start":1177.6951,"end":1179.475,"sentiment":"neutral","sentiment_score":0.15742791976247514},{"text":"Once you've added the signature, it will then validate and send it directly back to me, and I will get notified.","start":1180.79,"end":1186.65,"sentiment":"neutral","sentiment_score":0.2554990202188492},{"text":"And that tells me that you are then happy with it, and I will let the investment team know to make those changes for you.","start":1187.11,"end":1192.575,"sentiment":"positive","sentiment_score":0.6140698325634003}],"sentiment":"positive","sentiment_score":0.42344278525561097,"num_words":80,"start":1171.2151,"end":1192.575},{"sentences":[{"text":"Yeah.","start":1195.135,"end":1195.635,"sentiment":"positive","sentiment_score":0.5241310596466064},{"text":"No problem at 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The person you're trying to reach Hello? Hello? Yes. Hi, Veranki. How are you? Not too bad. Yes. Yes. Yes. I had forgotten about it, but let's let's run with it. Okay. Cool. I'll catch you later, Jimmy. Yeah. Grant, Eric. Daniel. Date of birth, 05/1272. Address, is that the other one you needed? 12 Scenic Drive, Kingston 7050. If it's been updated, otherwise, it's still the 90 Craddock Hill Road. Awesome. Not a problem. Kind of on the go at the moment. I've still gotta go pick up a sick child. Yep. Yes. Promise to do. Thank you. Okay. So what's wrong with that? That opens. Yep. Yep. 1 nine Manchester. Yes. I do. I do. Got it. Mhmm. Yes. Yep. That makes perfect sense. Well, I do have one question. What I was under the assumption that Hub twenty four were looking after all my superannuation money investments. Is that not the case? Right. Right. Right. Uh-huh. I see. Okay. Cool. Okay. That that that I I wasn't aware of that. I thought I thought you you guys were I don't know, the broker, the overseer to make sure I was at Hub twenty four were working for me properly, and I thought Hub twenty four were doing all the investments. But, no, it's actually you guys. Okay. Right. So when I get an email up sorry. When I get an email update from Hub twenty four saying a a a monthly sort of like a monthly summary email with just a whole bunch of numbers. What is that then if they don't want if they just are they just showing you what the growth was? They're not actually showing me what they what they've done. It's really what you've done. Okay. So they're okay. So they're they're the they're the platform. Okay. Righto. Cool. Thank you. That makes that makes me feel a bit more enlightened. But no but no Right. Yes. Okay. So Hub twenty four, again, they they are the share platform. So when I say my so when I say my so my superannuation is with Hub twenty four? Okay. So that's so they still hold my superannuation as in they are my they are my superannuation h. Okay. Okay. Not that I was thinking about doing this, but if I decide, okay. I say, right, Veronica, thanks very much for all your help, but I don't wanna keep paying you guys to look after my my my my plans anymore, and I opt out of this field. What happens then? Like, where does my hub 20 four says thanks for coming off. I wasn't gonna cut by and run. Yep. Right. Okay. Cool. That does make sense. No. I'm not gonna do that because I looked a while back earlier in the year. I looked into shares and investing and having a bit of a crack at that myself. I've never been, you know, any sort of spare money ever given a reply in that area. And it just it just it just takes too much too much out of your time. It's it's all very well, but I think you need, like I don't know. I think you need to be, like, really on it to be constantly chopping and trading and selling and buying. And, oh, man, it's still too much. So yeah. Okay. Thank you very much. That's that's made it. That that that that that's yeah. I understand it even a bit more now. Thank you. Yep. That might be. That's fine. Yeah. No. It's pulled up. That's why you buy the big pumpkin. Mhmm. Oh, wow. Yep. That sounds right. Awesome. If that was the case if that was the case, would that be something I would have to declare at tax time? Okay. Right. Yep. Oh, yes. I've seen those tax. Yeah. Okay. I've seen those yeah. Something similar to that anyway. But yeah. Okay. Mhmm. Mhmm. Right. Cool. It does. Yeah. No. No. No. It makes sense. I'm looking forward to have you look at it. Sounds awesome. Yep. Thank you very much. Thank you very much, Troy. You too. Thanks again. Yeah. 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mail. The person you're trying to reach Hello? Hello? Yes. Hi, Veranki.\n\nHow are you? Not too bad. Yes. Yes. Yes.\n\nI had forgotten about it, but let's let's run with it. Okay. Cool. I'll catch you later, Jimmy. Yeah.\n\nGrant, Eric. Daniel. Date of birth, 05/1272. Address, is that the other one you needed? 12 Scenic Drive, Kingston 7050.\n\nIf it's been updated, otherwise, it's still the 90 Craddock Hill Road. Awesome. Not a problem. Kind of on the go at the moment. I've still gotta go pick up a sick child.\n\nYep. Yes. Promise to do. Thank you. Okay.\n\nSo what's wrong with that? That opens. Yep. Yep. 1 nine Manchester.\n\nYes. I do. I do. Got it. Mhmm.\n\nYes. Yep. That makes perfect sense. Well, I do have one question. What I was under the assumption that Hub twenty four were looking after all my superannuation money investments.\n\nIs that not the case? Right. Right. Right. Uh-huh.\n\nI see. Okay. Cool. Okay. That that that I I wasn't aware of that.\n\nI thought I thought you you guys were I don't know, the broker, the overseer to make sure I was at Hub twenty four were working for me properly, and I thought Hub twenty four were doing all the investments. But, no, it's actually you guys. Okay. Right. So when I get an email up sorry.\n\nWhen I get an email update from Hub twenty four saying a a a monthly sort of like a monthly summary email with just a whole bunch of numbers. What is that then if they don't want if they just are they just showing you what the growth was? They're not actually showing me what they what they've done. It's really what you've done. Okay.\n\nSo they're okay. So they're they're the they're the platform. Okay. Righto. Cool.\n\nThank you. That makes that makes me feel a bit more enlightened. But no but no Right. Yes. Okay.\n\nSo Hub twenty four, again, they they are the share platform. So when I say my so when I say my so my superannuation is with Hub twenty four? Okay. So that's so they still hold my superannuation as in they are my they are my superannuation h. Okay.\n\nOkay. Not that I was thinking about doing this, but if I decide, okay. I say, right, Veronica, thanks very much for all your help, but I don't wanna keep paying you guys to look after my my my my plans anymore, and I opt out of this field. What happens then? Like, where does my hub 20 four says thanks for coming off.\n\nI wasn't gonna cut by and run. Yep. Right. Okay. Cool.\n\nThat does make sense. No. I'm not gonna do that because I looked a while back earlier in the year. I looked into shares and investing and having a bit of a crack at that myself. I've never been, you know, any sort of spare money ever given a reply in that area.\n\nAnd it just it just it just takes too much too much out of your time. It's it's all very well, but I think you need, like I don't know. I think you need to be, like, really on it to be constantly chopping and trading and selling and buying. And, oh, man, it's still too much. So yeah.\n\nOkay. Thank you very much. That's that's made it. That that that that that's yeah. I understand it even a bit more now.\n\nThank you. Yep. That might be. That's fine. Yeah.\n\nNo. It's pulled up. That's why you buy the big pumpkin. Mhmm. Oh, wow.\n\nYep. That sounds right. Awesome. If that was the case if that was the case, would that be something I would have to declare at tax time? Okay.\n\nRight. Yep. Oh, yes. I've seen those tax. Yeah.\n\nOkay. I've seen those yeah. Something similar to that anyway. But yeah. Okay.\n\nMhmm. Mhmm. Right. Cool. It does.\n\nYeah. No. No. No. It makes sense.\n\nI'm looking forward to have you look at it. Sounds awesome. Yep. Thank you very much. Thank you very much, Troy.\n\nYou too. Thanks again. Yeah. Bye.","paragraphs":[{"sentences":[{"text":"Voice mail.","start":0.24,"end":0.98,"sentiment":"neutral","sentiment_score":-0.00007486669346690178},{"text":"The person you're trying to reach Hello?","start":1.1999999,"end":4.74,"sentiment":"neutral","sentiment_score":0.001289081493658679},{"text":"Hello?","start":9.2,"end":9.599999,"sentiment":"neutral","sentiment_score":0.014415383338928224},{"text":"Yes.","start":9.599999,"end":9.84,"sentiment":"neutral","sentiment_score":0.04505608603358269},{"text":"Hi, Veranki.","start":9.84,"end":10.48,"sentiment":"neutral","sentiment_score":0.13281136006116867}],"sentiment":"neutral","sentiment_score":0.025689848197194245,"num_words":13,"start":0.24,"end":10.48},{"sentences":[{"text":"How are you?","start":10.48,"end":11.219999,"sentiment":"neutral","sentiment_score":0.1791101942459742},{"text":"Not too 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that?","start":107.954994,"end":109.09499,"sentiment":"neutral","sentiment_score":-0.030148542299866677},{"text":"That opens.","start":144.73,"end":145.39,"sentiment":"neutral","sentiment_score":0.11631694808602333},{"text":"Yep.","start":148.01,"end":148.51,"sentiment":"neutral","sentiment_score":0.294395387172699},{"text":"Yep.","start":160.475,"end":160.975,"sentiment":"neutral","sentiment_score":0.16736435890197754},{"text":"1 nine Manchester.","start":194.25,"end":195.23,"sentiment":"neutral","sentiment_score":-0.010578002780675888}],"sentiment":"neutral","sentiment_score":0.04265974353378018,"num_words":12,"start":107.954994,"end":195.23},{"sentences":[{"text":"Yes.","start":200.25,"end":200.75,"sentiment":"neutral","sentiment_score":-0.14651785790920258},{"text":"I do.","start":203.885,"end":204.44499,"sentiment":"neutral","sentiment_score":0.047049300745129585},{"text":"I 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money investments.","start":349.2,"end":362.205,"sentiment":"neutral","sentiment_score":-0.009195913457208209}],"sentiment":"neutral","sentiment_score":0.04830907496313254,"num_words":30,"start":326.335,"end":362.205},{"sentences":[{"text":"Is that not the case?","start":362.50497,"end":363.88498,"sentiment":"neutral","sentiment_score":-0.02525954395532608},{"text":"Right.","start":371.07,"end":371.57,"sentiment":"neutral","sentiment_score":0.12228399515151978},{"text":"Right.","start":374.99,"end":375.49,"sentiment":"neutral","sentiment_score":0.06420323997735977},{"text":"Right.","start":378.03,"end":378.465,"sentiment":"neutral","sentiment_score":0.04370212182402611},{"text":"Uh-huh.","start":385.665,"end":386.165,"sentiment":"neutral","sentiment_score":-0.03534937649965286}],"sentiment":"neutral","sentiment_score":0.007615806741846932,"num_words":9,"start":362.50497,"end":386.165},{"sentences":[{"text":"I see.","start":395.18002,"end":396.32,"sentiment":"neutral","sentiment_score":0.11860406026244164},{"text":"Okay.","start":398.38,"end":398.86002,"sentiment":"neutral","sentiment_score":0.3173868656158447},{"text":"Cool.","start":398.86002,"end":399.18002,"sentiment":"positive","sentiment_score":0.3813645839691162},{"text":"Okay.","start":399.18002,"end":399.5,"sentiment":"neutral","sentiment_score":0.1651795208454132},{"text":"That that that I I wasn't aware of that.","start":399.5,"end":401.34,"sentiment":"neutral","sentiment_score":-0.08881339223848449}],"sentiment":"neutral","sentiment_score":0.02155846862920693,"num_words":14,"start":395.18002,"end":401.34},{"sentences":[{"text":"I thought I thought you you guys were I don't know, the broker, the overseer to make sure I was at Hub twenty four were working for me properly, and I thought Hub twenty four were doing all the investments.","start":401.34,"end":413.205,"sentiment":"neutral","sentiment_score":-0.09312646668404341},{"text":"But, no, it's actually you guys.","start":414.22498,"end":416.16498,"sentiment":"neutral","sentiment_score":-0.16064882775147757},{"text":"Okay.","start":416.38498,"end":416.88,"sentiment":"neutral","sentiment_score":0.06749839335680008},{"text":"Right.","start":419.12,"end":419.62,"sentiment":"neutral","sentiment_score":0.2012922316789627},{"text":"So when I get an email up sorry.","start":421.84,"end":424.4,"sentiment":"neutral","sentiment_score":-0.02919540787115693}],"sentiment":"neutral","sentiment_score":-0.08310221913935882,"num_words":56,"start":401.34,"end":424.4},{"sentences":[{"text":"When I get an email update from Hub twenty four saying a a a monthly sort of like a monthly summary email with just a whole bunch of numbers.","start":424.4,"end":434.245,"sentiment":"neutral","sentiment_score":-0.007373449938564465},{"text":"What is that then if they don't want if they just are they just showing you what the growth was?","start":436.865,"end":441.905,"sentiment":"neutral","sentiment_score":-0.08553554732352495},{"text":"They're not actually showing me what they what they've done.","start":441.905,"end":444.725,"sentiment":"neutral","sentiment_score":-0.27937569469213486},{"text":"It's really what you've done.","start":446.29,"end":447.67,"sentiment":"neutral","sentiment_score":-0.0788458228111267},{"text":"Okay.","start":492.255,"end":492.575,"sentiment":"neutral","sentiment_score":0.1835877001285553}],"sentiment":"neutral","sentiment_score":-0.07582983623903532,"num_words":65,"start":424.4,"end":492.575},{"sentences":[{"text":"So they're okay.","start":492.575,"end":493.45502,"sentiment":"neutral","sentiment_score":0.18467433750629425},{"text":"So they're they're the they're the platform.","start":493.45502,"end":495.95502,"sentiment":"neutral","sentiment_score":0.09636928353990827},{"text":"Okay.","start":496.49503,"end":496.99503,"sentiment":"neutral","sentiment_score":0.1266293823719025},{"text":"Righto.","start":497.375,"end":497.855,"sentiment":"neutral","sentiment_score":0.20684731006622312},{"text":"Cool.","start":497.855,"end":498.095,"sentiment":"positive","sentiment_score":0.6633143424987793}],"sentiment":"neutral","sentiment_score":0.17118454094116503,"num_words":13,"start":492.575,"end":498.095},{"sentences":[{"text":"Thank you.","start":498.095,"end":498.575,"sentiment":"positive","sentiment_score":0.712632954120636},{"text":"That makes that makes me feel a bit more enlightened.","start":498.575,"end":501.71503,"sentiment":"neutral","sentiment_score":0.24654145687818527},{"text":"But no but no Right.","start":501.935,"end":559.59,"sentiment":"neutral","sentiment_score":-0.027263376861810684},{"text":"Yes.","start":559.59,"end":560.09,"sentiment":"neutral","sentiment_score":0.05010324716567993},{"text":"Okay.","start":560.15,"end":560.65,"sentiment":"neutral","sentiment_score":0.04899336397647858}],"sentiment":"neutral","sentiment_score":0.20281369493980156,"num_words":19,"start":498.095,"end":560.65},{"sentences":[{"text":"So Hub twenty four, again, they they are the share platform.","start":564.55005,"end":568.17004,"sentiment":"neutral","sentiment_score":0.03340179904956709},{"text":"So when I say my so when I say my so my superannuation is with Hub twenty four?","start":572.495,"end":582.675,"sentiment":"neutral","sentiment_score":0.019628380425274372},{"text":"Okay.","start":584.81,"end":585.13,"sentiment":"neutral","sentiment_score":0.01010778732597828},{"text":"So that's so they still hold my superannuation as in they are my they are my superannuation h.","start":585.13,"end":592.43,"sentiment":"neutral","sentiment_score":-0.030248920898884535},{"text":"Okay.","start":592.57,"end":593.07,"sentiment":"neutral","sentiment_score":-0.03141317516565323}],"sentiment":"neutral","sentiment_score":0.0031621361873587785,"num_words":49,"start":564.55005,"end":593.07},{"sentences":[{"text":"Okay.","start":618.03,"end":618.51,"sentiment":"neutral","sentiment_score":0.009187478572130203},{"text":"Not that I was thinking about doing this, but if I decide, okay.","start":618.51,"end":622.21,"sentiment":"neutral","sentiment_score":-0.0886884003591079},{"text":"I say, right, Veronica, thanks very much for all your help, but I don't wanna keep paying you guys to look after my my my my plans anymore, and I opt out of this field.","start":622.35004,"end":633.535,"sentiment":"neutral","sentiment_score":-0.09925437974078315},{"text":"What happens then?","start":634.71497,"end":635.935,"sentiment":"neutral","sentiment_score":-0.03607991089423498},{"text":"Like, where does my hub 20 four says thanks for coming off.","start":636.235,"end":640.27997,"sentiment":"neutral","sentiment_score":0.020815998471031587}],"sentiment":"neutral","sentiment_score":-0.06993926200084388,"num_words":64,"start":618.03,"end":640.27997},{"sentences":[{"text":"I wasn't gonna cut by and run.","start":640.27997,"end":643.5,"sentiment":"neutral","sentiment_score":-0.058545436177934916},{"text":"Yep.","start":657.575,"end":658.075,"sentiment":"neutral","sentiment_score":0.005426240619271994},{"text":"Right.","start":703.81,"end":704.31,"sentiment":"neutral","sentiment_score":0.06721463799476624},{"text":"Okay.","start":704.37006,"end":704.87006,"sentiment":"neutral","sentiment_score":0.13419879972934723},{"text":"Cool.","start":705.17004,"end":705.49005,"sentiment":"neutral","sentiment_score":0.2166704684495926}],"sentiment":"neutral","sentiment_score":0.0012447357770394194,"num_words":11,"start":640.27997,"end":705.49005},{"sentences":[{"text":"That does make sense.","start":705.49005,"end":706.79004,"sentiment":"neutral","sentiment_score":0.21641739457845688},{"text":"No.","start":707.01,"end":707.17004,"sentiment":"neutral","sentiment_score":-0.28724342584609985},{"text":"I'm not gonna do that because I looked a while back earlier in the year.","start":707.17004,"end":710.705,"sentiment":"neutral","sentiment_score":-0.22840882043043773},{"text":"I looked into shares and investing and having a bit of a crack at that myself.","start":710.705,"end":716.78503,"sentiment":"neutral","sentiment_score":-0.10407423391006887},{"text":"I've never been, you know, any sort of spare money ever given a reply in that area.","start":716.78503,"end":720.645,"sentiment":"negative","sentiment_score":-0.35165197007796345}],"sentiment":"neutral","sentiment_score":-0.19794296958255317,"num_words":53,"start":705.49005,"end":720.645},{"sentences":[{"text":"And it just it just it just takes too much too much out of your time.","start":720.705,"end":725.27997,"sentiment":"negative","sentiment_score":-0.5241228528320789},{"text":"It's it's all very well, but I think you need, like I don't know.","start":725.27997,"end":728.89996,"sentiment":"neutral","sentiment_score":-0.2677967505795615},{"text":"I think you need to be, like, really on it to be constantly chopping and trading and selling and buying.","start":729.12,"end":734.0,"sentiment":"neutral","sentiment_score":-0.31666306108236314},{"text":"And, oh, man, it's still too much.","start":734.0,"end":735.83997,"sentiment":"negative","sentiment_score":-0.40987230624471394},{"text":"So yeah.","start":735.83997,"end":736.31995,"sentiment":"neutral","sentiment_score":-0.09093160554766655}],"sentiment":"negative","sentiment_score":-0.3647347581336054,"num_words":59,"start":720.705,"end":736.31995},{"sentences":[{"text":"Okay.","start":736.31995,"end":736.72,"sentiment":"neutral","sentiment_score":0.1113065630197525},{"text":"Thank you very much.","start":736.72,"end":737.51996,"sentiment":"positive","sentiment_score":0.4398302286863327},{"text":"That's that's made it.","start":737.51996,"end":738.48,"sentiment":"positive","sentiment_score":0.38231565803289413},{"text":"That that that that that's yeah.","start":738.48,"end":740.53503,"sentiment":"neutral","sentiment_score":0.18892259150743484},{"text":"I understand it even a bit more now.","start":740.53503,"end":742.135,"sentiment":"neutral","sentiment_score":0.11071508377790451}],"sentiment":"neutral","sentiment_score":0.23561505778976108,"num_words":23,"start":736.31995,"end":742.135},{"sentences":[{"text":"Thank you.","start":742.135,"end":742.875,"sentiment":"positive","sentiment_score":0.41201379895210266},{"text":"Yep.","start":757.86,"end":758.18,"sentiment":"neutral","sentiment_score":-0.06567582488059998},{"text":"That might be.","start":758.18,"end":759.08,"sentiment":"neutral","sentiment_score":-0.10415753970543544},{"text":"That's fine.","start":807.15497,"end":807.89496,"sentiment":"neutral","sentiment_score":0.22919020801782608},{"text":"Yeah.","start":840.84,"end":841.24,"sentiment":"neutral","sentiment_score":0.14538893103599548}],"sentiment":"neutral","sentiment_score":0.11662761121988297,"num_words":9,"start":742.135,"end":841.24},{"sentences":[{"text":"No.","start":841.24,"end":841.4,"sentiment":"neutral","sentiment_score":0.14048513770103457},{"text":"It's pulled up.","start":841.4,"end":842.3,"sentiment":"neutral","sentiment_score":0.10347748920321465},{"text":"That's why you buy the big pumpkin.","start":844.92,"end":846.62,"sentiment":"neutral","sentiment_score":0.13334486207791738},{"text":"Mhmm.","start":887.885,"end":888.045,"sentiment":"neutral","sentiment_score":0.2608094811439514},{"text":"Oh, wow.","start":888.045,"end":888.865,"sentiment":"positive","sentiment_score":0.41757988929748535}],"sentiment":"neutral","sentiment_score":0.17716434997107303,"num_words":14,"start":841.24,"end":888.865},{"sentences":[{"text":"Yep.","start":900.08997,"end":900.58997,"sentiment":"neutral","sentiment_score":0.09795048832893372},{"text":"That sounds right.","start":918.505,"end":919.565,"sentiment":"neutral","sentiment_score":0.2789530058701833},{"text":"Awesome.","start":948.73004,"end":949.23004,"sentiment":"positive","sentiment_score":0.7070798277854919},{"text":"If that was the case if that was the case, would that be something I would have to declare at tax time?","start":950.33,"end":957.87,"sentiment":"neutral","sentiment_score":0.05978347699750553},{"text":"Okay.","start":961.78503,"end":962.265,"sentiment":"neutral","sentiment_score":0.004168208222836256}],"sentiment":"neutral","sentiment_score":0.10576050128189049,"num_words":28,"start":900.08997,"end":962.265},{"sentences":[{"text":"Right.","start":962.265,"end":962.585,"sentiment":"neutral","sentiment_score":0.038674451410770416},{"text":"Yep.","start":962.585,"end":963.085,"sentiment":"neutral","sentiment_score":0.052896421402692795},{"text":"Oh, yes.","start":966.10504,"end":966.66504,"sentiment":"neutral","sentiment_score":0.014638842083513737},{"text":"I've seen those tax.","start":966.66504,"end":967.965,"sentiment":"neutral","sentiment_score":-0.00797378330025822},{"text":"Yeah.","start":968.34503,"end":968.66504,"sentiment":"neutral","sentiment_score":0.005113688297569752}],"sentiment":"neutral","sentiment_score":0.010451901341891952,"num_words":9,"start":962.265,"end":968.66504},{"sentences":[{"text":"Okay.","start":968.66504,"end":968.98505,"sentiment":"neutral","sentiment_score":0.008962657302618027},{"text":"I've seen those yeah.","start":968.98505,"end":970.84503,"sentiment":"neutral","sentiment_score":0.007033510133624077},{"text":"Something similar to that anyway.","start":970.98505,"end":972.505,"sentiment":"neutral","sentiment_score":0.005327304080128669},{"text":"But yeah.","start":972.505,"end":973.145,"sentiment":"neutral","sentiment_score":0.010006278287619352},{"text":"Okay.","start":973.145,"end":973.645,"sentiment":"neutral","sentiment_score":0.024302683770656586}],"sentiment":"neutral","sentiment_score":0.008311419891050229,"num_words":13,"start":968.66504,"end":973.645},{"sentences":[{"text":"Mhmm.","start":1031.285,"end":1031.785,"sentiment":"neutral","sentiment_score":0.04478136822581291},{"text":"Mhmm.","start":1047.945,"end":1048.445,"sentiment":"neutral","sentiment_score":0.038281895220279694},{"text":"Right.","start":1053.9675,"end":1054.4675,"sentiment":"neutral","sentiment_score":-0.013508434407413006},{"text":"Cool.","start":1104.015,"end":1104.515,"sentiment":"positive","sentiment_score":0.481514573097229},{"text":"It does.","start":1106.1749,"end":1106.6549,"sentiment":"neutral","sentiment_score":0.29266202449798584}],"sentiment":"neutral","sentiment_score":0.18939890852198005,"num_words":6,"start":1031.285,"end":1106.6549},{"sentences":[{"text":"Yeah.","start":1106.6549,"end":1106.815,"sentiment":"neutral","sentiment_score":0.14862261712551117},{"text":"No.","start":1106.815,"end":1106.975,"sentiment":"neutral","sentiment_score":0.07694709300994873},{"text":"No.","start":1106.975,"end":1107.135,"sentiment":"neutral","sentiment_score":0.03147423639893532},{"text":"No.","start":1107.135,"end":1107.2949,"sentiment":"neutral","sentiment_score":0.028426513075828552},{"text":"It makes sense.","start":1107.2949,"end":1107.9349,"sentiment":"neutral","sentiment_score":0.08868556469678879}],"sentiment":"neutral","sentiment_score":0.07878959338579859,"num_words":7,"start":1106.6549,"end":1107.9349},{"sentences":[{"text":"I'm looking forward to have you look at it.","start":1107.9349,"end":1109.875,"sentiment":"positive","sentiment_score":0.5188727246390449},{"text":"Sounds awesome.","start":1156.9,"end":1157.7201,"sentiment":"positive","sentiment_score":0.7881637811660767},{"text":"Yep.","start":1180.8301,"end":1181.3301,"sentiment":"neutral","sentiment_score":0.1904674470424652},{"text":"Thank you very much.","start":1194.135,"end":1195.515,"sentiment":"positive","sentiment_score":0.8162039369344711},{"text":"Thank you very much, Troy.","start":1203.5499,"end":1204.75,"sentiment":"positive","sentiment_score":0.7823846459388732}],"sentiment":"positive","sentiment_score":0.6482565956456321,"num_words":21,"start":1107.9349,"end":1204.75},{"sentences":[{"text":"You too.","start":1204.75,"end":1205.4099,"sentiment":"positive","sentiment_score":0.4762069284915924},{"text":"Thanks again.","start":1205.5499,"end":1206.2899,"sentiment":"neutral","sentiment_score":0.30978746712207794},{"text":"Yeah.","start":1207.95,"end":1208.27,"sentiment":"neutral","sentiment_score":0.14121124148368835},{"text":"Bye.","start":1208.27,"end":1208.77,"sentiment":"neutral","sentiment_score":0.13074657320976257}],"sentiment":"neutral","sentiment_score":0.30732443432013196,"num_words":6,"start":1204.75,"end":1208.77}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Voice mail. The person you're trying to reach Hello?\n\nChannel 0: Hello. Is this Grant?\n\nChannel 1: Hello? Yes. Hi, Veranki. How are you?\n\nChannel 0: Yeah. Good. Thanks. How are you?\n\nChannel 1: Not too bad.\n\nChannel 0: That's good. I had you booked in. It is a pretty quick one today just to go over the research I did on your super investments. Is now still\n\nChannel 1: Yes.\n\nChannel 0: a good time?\n\nChannel 1: Yes. Yes. I had forgotten\n\nChannel 0: Yes.\n\nChannel 1: about it, but\n\nChannel 0: It\n\nChannel 1: let's\n\nChannel 0: probably\n\nChannel 1: let's\n\nChannel 0: only\n\nChannel 1: run\n\nChannel 0: take about\n\nChannel 1: with\n\nChannel 0: five\n\nChannel 1: it.\n\nChannel 0: minutes or so. It's a pretty simple one.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Now just for security purposes, even though I can hear it's you, Jenna, just need to confirm full name, date of birth, and address, please.\n\nChannel 1: I'll catch you later, Jimmy. Yeah. Grant, Eric. Daniel. Date of birth, 05/1272.\n\nChannel 0: Yep.\n\nChannel 1: Address, is that the other one you needed?\n\nChannel 0: Yes, please.\n\nChannel 1: 12 Scenic Drive, Kingston 7050. If\n\nChannel 0: Yep.\n\nChannel 1: it's been updated,\n\nChannel 0: K.\n\nChannel 1: otherwise, it's still the\n\nChannel 0: No.\n\nChannel 1: 90\n\nChannel 0: We\n\nChannel 1: Craddock\n\nChannel 0: have that one.\n\nChannel 1: Hill Road.\n\nChannel 0: Yep. No. We have the the new one, the 12 Scenic Drive, so that's great. I'm just letting you know that the calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Awesome. Not a problem.\n\nChannel 0: Yep. Perfect. Now I'll try to keep it quick for you. Do you have access to your emails or kind of on the go at the moment?\n\nChannel 1: Kind of on the go at the moment. I've\n\nChannel 0: Okay.\n\nChannel 1: still gotta go pick up a sick child.\n\nChannel 0: Oh, that's okay. Like I said, I'm I'm happy to just go through. It's it's very straightforward. Just go through it quickly with you. And then later, when you have a bit of time and when, obviously, everyone's feeling a bit better, have\n\nChannel 1: Yep.\n\nChannel 0: a read\n\nChannel 1: Yes.\n\nChannel 0: through it. And\n\nChannel 1: Promise\n\nChannel 0: if you\n\nChannel 1: to\n\nChannel 0: have\n\nChannel 1: do.\n\nChannel 0: any\n\nChannel 1: Thank\n\nChannel 0: questions,\n\nChannel 1: you.\n\nChannel 0: let me know.\n\nChannel 1: Okay. So what's wrong with that?\n\nChannel 0: Yeah. Perfect. Now you will see that the document, it is quite long. It's still 34 pages, but a lot of it is just the compliance just to make sure you understand everything. Like I said, it is pretty straightforward.\n\nThe only thing we were looking at today is your super investments to see if we needed to make any changes. I have also included some information in regards to estate planning, so it will power of attorney, and then also just making sure we have your wife nominated everywhere as well just to make sure if something were to happen to you, that all goes\n\nChannel 1: That opens.\n\nChannel 0: to her. So pretty straightforward.\n\nChannel 1: Yep.\n\nChannel 0: Now when it actually comes through the superannuation side, so I did research on your Hub 24 as well just to make sure that's still going to be the best option for you because\n\nChannel 1: Yep.\n\nChannel 0: there are always new products and features that are continuously coming out. So it is good to reassess it every now and then. And after doing so, I still recommend retaining Hub twenty four. It is very competitive when it comes to fees, investment choices, and flexibility. I used Hub twenty four for my personal super as well.\n\nSorry. I have recommended to stay in it right now and literally just changing one investment. So the investment I have recommended that would change for you is that one I mentioned\n\nChannel 1: 1 nine\n\nChannel 0: last\n\nChannel 1: Manchester.\n\nChannel 0: time during the annual review, which was the Benelung Australian Equity. Now that was the one that\n\nChannel 1: Yes.\n\nChannel 0: was underperforming a little bit. Do you remember that conversation?\n\nChannel 1: I do. I do.\n\nChannel 0: Yep. Beautiful. So what I have recommended is that we change that one for another one, which is called the BetaShares Australia two hundred. Now because we are changing one Australian investment, we wanted to make sure that we still keep your portfolio, your growth portfolio still aligned and very diversified. We still wanna make sure we have some exposure to the Australian market.\n\nSo by changing one, we looked for something that was quite similar but has performed better, and that was a little bit cheaper. So the a 200, it is a little bit more simplified than the Benelung in that it basically just invest in the 200 largest companies listed in Australia on the ASX. So pretty simple, very diversified. As the company grows and gets bigger, it gets added to the 200. And then as something gets smaller, it comes out.\n\nSo it is a little bit more simple in that way, which also can lead to seeing less fluctuations because of it. Still gives you good exposure and good growth, though, versus the Bennelong where they were more kind of a lot smaller investments and not the 200 and more actively buying and selling different investments to try to outperform the market. So that is kind of like the main difference between them. Now what that actually looks like is I have included a new projection fee comparison table to show you. Now\n\nChannel 1: Got it.\n\nChannel 0: with the investments as well, I have also just recommended that we do a bit of a rebalancing to your portfolio, which we'd like to do every now and then. Basically, all that is is that we bring investments back into the intended allocation. Because as markets move, obviously, some investments grow and other like that that perform very strongly, like, they grow. So that means that they become a larger portion of your portfolio than\n\nChannel 1: Mhmm.\n\nChannel 0: we originally obviously planned, which can increase your overall risk. So, basically, rebalancing,\n\nChannel 1: Yes.\n\nChannel 0: it basically means we are kind of bringing everything back into the alignment or into the percentage that we intended for the portfolio and just kind of shift things around to make sure it's appropriate, aligns with your growth profile. Does that make sense?\n\nChannel 1: Yep. That makes perfect sense.\n\nChannel 0: Yep.\n\nChannel 1: Well, I\n\nChannel 0: Yep.\n\nChannel 1: do have one question.\n\nChannel 0: Yes.\n\nChannel 1: What I was under the assumption that Hub twenty four\n\nChannel 0: Yes.\n\nChannel 1: were looking after all my superannuation money investments. Is that not the case?\n\nChannel 0: We do. So Hub twenty four is the platform that holds your money, and then Oakview\n\nChannel 1: Right.\n\nChannel 0: manages all the investments for you.\n\nChannel 1: Right.\n\nChannel 0: Yeah. So kind of think of\n\nChannel 1: Right.\n\nChannel 0: Hub twenty four as your bank account as you would. Like, that's that's where you have the money, but they don't have control\n\nChannel 1: Uh-huh.\n\nChannel 0: over what you invest in. So we that's why we come in. So we do all of that management for you.\n\nChannel 1: I see.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. Cool. Okay.\n\nChannel 0: Any\n\nChannel 1: That\n\nChannel 0: questions\n\nChannel 1: that that\n\nChannel 0: with that?\n\nChannel 1: I I wasn't aware of that. I thought I thought you you guys were I don't know, the broker, the overseer to make sure I was at Hub twenty four were working for me properly, and I thought Hub twenty four were doing all the investments. But, no,\n\nChannel 0: No.\n\nChannel 1: it's actually you guys. Okay.\n\nChannel 0: Correct. So hub twenty four is literally\n\nChannel 1: Right.\n\nChannel 0: just where you have the money. Now part of the\n\nChannel 1: So\n\nChannel 0: research\n\nChannel 1: when\n\nChannel 0: is\n\nChannel 1: I get\n\nChannel 0: that\n\nChannel 1: an email up sorry. When I get an email update from Hub twenty four saying\n\nChannel 0: mhmm. Yes.\n\nChannel 1: a a a monthly sort of like a monthly summary email with just a whole bunch of numbers. What is that then if they don't want if they just are they just showing you what the growth was? They're not actually showing me what they what they've done.\n\nChannel 0: So not what\n\nChannel 1: It's\n\nChannel 0: they've\n\nChannel 1: really\n\nChannel 0: done.\n\nChannel 1: what\n\nChannel 0: They\n\nChannel 1: you've\n\nChannel 0: are\n\nChannel 1: done.\n\nChannel 0: showing correct. So they are showing you the administration side of it. So it's like they often when you get those monthly ones, it's showing you as contributions go into your fund. It gets invested, obviously, as per your investment portfolio that we have designed for you. So often so often, what those are is just notifications.\n\nSo it's like same on, like, on on, like, a a bank. Sometimes you can just get a notification of what is happening with your account, but in terms of and, like, they are just administrators. So we, obviously, Telehub twenty four, do this or do this and have this setting in the back end to make sure we do this and and everything, and they will just action that for us. So they're literally\n\nChannel 1: Okay.\n\nChannel 0: just\n\nChannel 1: So\n\nChannel 0: the platform.\n\nChannel 1: they're okay. So they're\n\nChannel 0: Yeah.\n\nChannel 1: they're the they're the platform. Okay.\n\nChannel 0: Correct.\n\nChannel 1: Righto.\n\nChannel 0: Correct.\n\nChannel 1: Cool. Thank you. That makes that makes me\n\nChannel 0: Makes\n\nChannel 1: feel\n\nChannel 0: more\n\nChannel 1: a bit\n\nChannel 0: sense.\n\nChannel 1: more enlightened. But no but no\n\nChannel 0: Yeah. And the good thing as well is because we are not tied to Hub twenty four in any way, shape, or form. And that is also with the the annual review. When I do the research, it's like, well, if I research Macquarie or or Super Standard Time Trust or Seaver or any other super funds, we do that as part of the research. And if that shows that any of those option are better than hub twenty four, then I will tell you that I recommend that we go there.\n\nLike, there is nothing sticking with hub twenty four forever if that is not going to be the best option for you. So that's why it's really good as well that there's no ties to anything, that we just do research on all products, and we can then recommend whatever is going to be the best for you. So, for example, if you went to Macquarie and you spoke to an adviser at Macquarie, they are restricted to only recommending products that they have, whereas I'm not. We are not. We are completely independent.\n\nChannel 1: Right. Yes. Okay.\n\nChannel 0: Yep. Yep. Does that make sense?\n\nChannel 1: So Hub twenty four, again, they they are the share platform.\n\nChannel 0: Correct. They're the platform where we then that\n\nChannel 1: So\n\nChannel 0: allows\n\nChannel 1: when\n\nChannel 0: us\n\nChannel 1: I\n\nChannel 0: to choose\n\nChannel 1: say\n\nChannel 0: the different\n\nChannel 1: my\n\nChannel 0: investments.\n\nChannel 1: so when I say my so my superannuation\n\nChannel 0: Yes.\n\nChannel 1: is with Hub twenty four?\n\nChannel 0: Correct. Yes.\n\nChannel 1: Okay. So that's so they still hold my superannuation as\n\nChannel 0: They\n\nChannel 1: in they\n\nChannel 0: have\n\nChannel 1: are my\n\nChannel 0: correct. So\n\nChannel 1: they\n\nChannel 0: we\n\nChannel 1: are my\n\nChannel 0: don't\n\nChannel 1: superannuation\n\nChannel 0: physically\n\nChannel 1: h.\n\nChannel 0: correct.\n\nChannel 1: Okay.\n\nChannel 0: So we physically don't have your money at all. It's all with Hub twenty four. They are the administrator. They are the platform that holds your money. We just direct and tell Hub twenty four how we should invest the money and make sure everything is set up correctly for you.\n\nBut if you were to, you know, turn 60 retiring, then we will submit a form to Hub twenty four, and Hub twenty four will release that money directly to you.\n\nChannel 1: Okay. Not that I was thinking\n\nChannel 0: Yep.\n\nChannel 1: about doing this, but if I decide, okay. I say, right, Veronica, thanks very much for all\n\nChannel 0: Yep.\n\nChannel 1: your help, but\n\nChannel 0: Yes.\n\nChannel 1: I don't wanna keep paying you guys to look after my my\n\nChannel 0: Super.\n\nChannel 1: my my plans\n\nChannel 0: Yep.\n\nChannel 1: anymore,\n\nChannel 0: Yep.\n\nChannel 1: and I opt out of this field.\n\nChannel 0: Yep.\n\nChannel 1: What happens then? Like, where does my hub\n\nChannel 0: Yes.\n\nChannel 1: 20\n\nChannel 0: So\n\nChannel 1: four says thanks for coming off. I wasn't gonna cut\n\nChannel 0: There\n\nChannel 1: by\n\nChannel 0: is a\n\nChannel 1: and\n\nChannel 0: couple\n\nChannel 1: run.\n\nChannel 0: of yeah. No. There's a couple of different options. So Hub 24 is predominantly an adviser portal because of the sophistication. If you were to tell me, I don't need your help anymore.\n\nI wanna do it all myself. What would happen then is\n\nChannel 1: Yep.\n\nChannel 0: we would just remove our servicing rights with Hub twenty four. You could then decide yourself whether you wanted to stay with Hub twenty four and manage all your investments yourself. Now from a personal point of view, there are some restrictions on accessibility with investment. So you may have to choose slightly different investments than what we have you invested in because they will put you in a different product. But in theory, you can completely stay with hub twenty four and manage everything yourself, or you could have an another adviser from taking over manage hub twenty four for you.\n\nOr you could tell me, I don't wanna stay with hub twenty four. I wanna roll through AustralianSuper, and then we would help you to do that. And then you would obviously manage everything yourself moving forward.\n\nChannel 1: Right. Okay. Cool. That does make sense.\n\nChannel 0: Does that\n\nChannel 1: No.\n\nChannel 0: make\n\nChannel 1: I'm not\n\nChannel 0: sense?\n\nChannel 1: gonna do that because I looked a while back earlier in the year.\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: Mhmm.\n\nChannel 1: looked into shares and investing and having a bit of a crack at that myself. I've never been, you know, any sort of spare money ever given a reply in that area. And it\n\nChannel 0: Yep.\n\nChannel 1: just it just it just takes too much too much out of your time. It's it's all very well, but I think you need, like I don't know. I think you need to be, like, really on it to be constantly chopping and trading and selling and\n\nChannel 0: Yes.\n\nChannel 1: buying.\n\nChannel 0: Yeah.\n\nChannel 1: And, oh, man, it's still too much. So yeah. Okay. Thank you\n\nChannel 0: Yes.\n\nChannel 1: very much. That's that's made it. That that that that that's yeah. I understand it even a bit more now. Thank you.\n\nChannel 0: Yeah. Oh, no. No. I'm glad. Any questions, just let me know.\n\nBut now, actually yeah. So with your investments, just rebalancing it. Not changing everything, just kind of rebalancing, bringing everything back to alignment, making sure you're not\n\nChannel 1: Yep.\n\nChannel 0: taking\n\nChannel 1: That\n\nChannel 0: any\n\nChannel 1: might be.\n\nChannel 0: unnecessary risk and everything, and just making that one investment change, like I said. Now, obviously, as well, we can't just so with, obviously, the personalized advice and the reason we have to go through the SOA is that I can't we can't just decide to be like, oh, cool. We're gonna go change this investment and have 24 for you. We have to go through this SOA. You have to physically sign the document to say that you are happy with the changes before we can actually go and make it.\n\nSo even though we have oversight of what we can manage for you, it has to be with your written approval. Like, we can't just go and be like, oh, cool. Let's change this. Like, you have to agree to it, which is why sometimes this SOA process can be a bit tedious, but it is also to make sure that you are fully informed and fully approving of everything before anything would happen.\n\nChannel 1: That's fine.\n\nChannel 0: Yep. Perfect. Now what that actually looks like, though, for you is I have included a bit of an updated projection to show you the outcome. Like I said, it's literally changing one investment and rebalancing a little bit. So pretty straightforward.\n\nBut by doing so, the fees are actually a little bit cheaper, and that is because Bennelong is a little bit more expensive than the a 200 investment. So it is saving you about $510 in investment fees per year, which is pretty good.\n\nChannel 1: Yeah. No. It's pulled up.\n\nChannel 0: Yeah. Thank you. Now\n\nChannel 1: That's\n\nChannel 0: with\n\nChannel 1: why you\n\nChannel 0: the\n\nChannel 1: buy\n\nChannel 0: actual\n\nChannel 1: the big pumpkin.\n\nChannel 0: alright. Now with the actual returns as well, I have also shown you what that looks like. So, again, pretty straightforward. Just changing one investment, and I have shown you twelve month, three years, five years, and ten year time frame so that you can see it. And across all of those, all four time frames, the new recommended portfolio, which again is just one investment change and rebalancing, it has outperformed.\n\nSo you if we're looking at, let's say, their last twelve months, it was sitting at about 12.5% before fees. Recommended is 16.5. So, again, improving\n\nChannel 1: Mhmm. Oh,\n\nChannel 0: things\n\nChannel 1: wow.\n\nChannel 0: a little bit for you, which is great. We like to look a bit more long term because, obviously, in the short term, they can leave it of, like, cyclical trends with the investment. Even if we\n\nChannel 1: Yep.\n\nChannel 0: look at a five year rolling average, current one is sitting at about 9.54. Recommended is 11.5. So, again, even across your longer time frame, it has still performed better and is cheaper for you.\n\nChannel 1: That sounds right.\n\nChannel 0: Yeah. Now I do wanna let you know that sometimes when we do change investments, and that is something we factor in in the research, is that when you are selling investments, there can be capital gains tax associated with selling something. So we're obviously trying to make sure we minimize that as much as possible when we are recommending changes. And the way that things are at the moment and it can change on the daily, but the way that when we did the research, there's estimated to be no capital gains tax with this investment change, which is great.\n\nChannel 1: Awesome.\n\nChannel 0: Yep.\n\nChannel 1: If\n\nChannel 0: Now\n\nChannel 1: that\n\nChannel 0: for\n\nChannel 1: was\n\nChannel 0: example\n\nChannel 1: the case\n\nChannel 0: yes.\n\nChannel 1: if that was the case, would that be something I would have to declare at tax time?\n\nChannel 0: No. It's all within the super environment. So it would just be,\n\nChannel 1: Okay.\n\nChannel 0: like, a fee\n\nChannel 1: Right.\n\nChannel 0: that\n\nChannel 1: Yep.\n\nChannel 0: would come out directly from super. So hub twenty four would\n\nChannel 1: Oh, yes. I've seen those tax. Yeah. Okay.\n\nChannel 0: yes.\n\nChannel 1: I've seen those yeah. Something similar\n\nChannel 0: Yeah.\n\nChannel 1: to that anyway. But yeah.\n\nChannel 0: Yes.\n\nChannel 1: Okay.\n\nChannel 0: Now, for example, I did consider, like, other super funds for you, and the capital gains tax by changing would have been about 4,775. Obviously, we wanna avoid that. Sorry. The the recommendation currently doesn't trigger any capital gains tax, which is great. So pretty straightforward.\n\nWe're not changing your risk at all, keeping you within the growth portfolio, keeping it in line with our 8020 allocation. And like I said, literally just changing that one investment and rebalance things for you. Now I I have also, just for your reference, if things can change all the time, I have on page 19, when you have a look at it, done a bit of a retirement income calculator just to show you where the way things are currently, what that then would be projected for when you actually want to start drawing an income from super. Now it is\n\nChannel 1: Mhmm.\n\nChannel 0: using more conservative return, so it's kind of assuming that when you turn 60, 60, you wanna reduce your risk profile and go conservative. That's not always the case, but I would rather be a bit more conservative in these retirement projections. And then if you\n\nChannel 1: Mhmm.\n\nChannel 0: do end up obviously working longer and being more in a growth, it's just gonna grow more. But that basically\n\nChannel 1: Right.\n\nChannel 0: shows you that when if you do wanna start accessing super at about 65 and you wanted to draw an income of about $2,000 a fortnight or $1,000 a week, It breaks down everything for you. So it shows you how much you can take from your super. Obviously, because of the investment property as well, it also shows you that. But it basically shows you that your super will last easily until 87. And 87, it would then be a very minimal age pension to supplement your superannuation if at the time you're still eligible.\n\nAnd then it kind of continues. And it shows you all the way through 99.\n\nChannel 1: Cool.\n\nChannel 0: Does that make sense?\n\nChannel 1: It does. Yeah. No. No. No.\n\nIt makes sense.\n\nChannel 0: Yeah.\n\nChannel 1: I'm looking forward to have you look at it.\n\nChannel 0: Yeah. Beautiful. And that was essentially it. Like I said, I have also included that we obviously wanna make sure that your child insurances is directed to Alexandra as well if something were to happen. And I have included just some general information in regards to setting up a will and power of attorney.\n\nIt is something I always recommend everyone to do. It's just some information there for you. And that was essentially everything. So pretty straightforward. The fees are not changing like I mentioned last time as well.\n\nThat ongoing advice fee is exactly the same at 1 0.65. So if you, when you have a moment to have a read through the document, are happy with the investment changes and you wanna go ahead, there is no additional fees and charges. It is all inclusive of the ongoing advice fee.\n\nChannel 1: Sounds awesome.\n\nChannel 0: Perfect. Now I will let you go and hopefully look after your child and that they're okay. And when you have a moment, just have a look through the document. Any questions, you just give me a call. If you have a read through with it, it all makes sense and you are happy to move forward.\n\nIt will just ask for your signature. Once\n\nChannel 1: Yep.\n\nChannel 0: you've added the signature, it will then validate and send it directly back to me, and I will get notified. And that tells me that you are then happy with it, and I will let the investment team know to make those changes for you.\n\nChannel 1: Thank you very much.\n\nChannel 0: Yeah. No problem at all. I hope you enjoy the rest of your day as much as you can, hopefully, and have a good weekend.\n\nChannel 1: Thank you very much, Troy. You too. Thanks\n\nChannel 0: No\n\nChannel 1: again.\n\nChannel 0: worries. We'll speak soon. Alright.\n\nChannel 1: Yeah. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Voice mail.","start":0.24,"end":0.98,"sentiment":"neutral","sentiment_score":-0.00007486669346690178},{"text":"The person you're trying to reach Hello?","start":1.1999999,"end":4.74,"sentiment":"neutral","sentiment_score":0.001289081493658679}],"sentiment":"neutral","sentiment_score":0.000985981896519661,"channel":1,"num_words":9,"start":0.24,"end":4.74},{"sentences":[{"text":"Hello.","start":7.52,"end":7.8399997,"sentiment":"neutral","sentiment_score":0.006689963862299919},{"text":"Is this Grant?","start":7.8399997,"end":8.66,"sentiment":"neutral","sentiment_score":0.009321865160018206}],"sentiment":"neutral","sentiment_score":0.008663889835588634,"channel":0,"num_words":4,"start":7.52,"end":8.66},{"sentences":[{"text":"Hello?","start":9.2,"end":9.599999,"sentiment":"neutral","sentiment_score":0.014415383338928224},{"text":"Yes.","start":9.599999,"end":9.84,"sentiment":"neutral","sentiment_score":0.04505608603358269},{"text":"Hi, Veranki.","start":9.84,"end":10.48,"sentiment":"neutral","sentiment_score":0.13281136006116867},{"text":"How are you?","start":10.48,"end":11.219999,"sentiment":"neutral","sentiment_score":0.1791101942459742}],"sentiment":"neutral","sentiment_score":0.12320353889039584,"channel":1,"num_words":7,"start":9.2,"end":11.219999},{"sentences":[{"text":"Yeah.","start":11.36,"end":11.679999,"sentiment":"neutral","sentiment_score":0.25875186920166016},{"text":"Good.","start":11.679999,"end":11.92,"sentiment":"positive","sentiment_score":0.49984484910964966},{"text":"Thanks.","start":11.92,"end":12.16,"sentiment":"positive","sentiment_score":0.5121719837188721},{"text":"How are you?","start":12.16,"end":13.059999,"sentiment":"neutral","sentiment_score":0.2959146002928416}],"sentiment":"positive","sentiment_score":0.3597520838181178,"channel":0,"num_words":6,"start":11.36,"end":13.059999},{"sentences":[{"text":"Not too bad.","start":13.12,"end":14.179999,"sentiment":"neutral","sentiment_score":0.3211180716753006}],"sentiment":"neutral","sentiment_score":0.3211180716753006,"channel":1,"num_words":3,"start":13.12,"end":14.179999},{"sentences":[{"text":"That's good.","start":15.015,"end":15.915,"sentiment":"positive","sentiment_score":0.5323206186294556},{"text":"I had you booked in.","start":16.695,"end":17.735,"sentiment":"neutral","sentiment_score":0.28057279586791994},{"text":"It is a pretty quick one today just to go over the research I did on your super investments.","start":17.735,"end":22.235,"sentiment":"neutral","sentiment_score":0.26548155593244654},{"text":"Is now still","start":22.295,"end":22.855,"sentiment":"neutral","sentiment_score":0.0961053470770518}],"sentiment":"neutral","sentiment_score":0.26896451105331554,"channel":0,"num_words":29,"start":15.015,"end":22.855},{"sentences":[{"text":"Yes.","start":22.755,"end":23.255,"sentiment":"neutral","sentiment_score":0.14360952377319336}],"sentiment":"neutral","sentiment_score":0.14360952377319336,"channel":1,"num_words":1,"start":22.755,"end":23.255},{"sentences":[{"text":"a good time?","start":22.855,"end":23.675,"sentiment":"neutral","sentiment_score":0.21404369175434113}],"sentiment":"neutral","sentiment_score":0.21404369175434113,"channel":0,"num_words":3,"start":22.855,"end":23.675},{"sentences":[{"text":"Yes.","start":23.875,"end":24.275,"sentiment":"neutral","sentiment_score":0.07193145155906677},{"text":"Yes.","start":24.275,"end":24.515,"sentiment":"neutral","sentiment_score":0.04957764595746994},{"text":"I had forgotten","start":24.515,"end":25.235,"sentiment":"neutral","sentiment_score":0.0000615287572145462}],"sentiment":"neutral","sentiment_score":0.02433873675763607,"channel":1,"num_words":5,"start":23.875,"end":25.235},{"sentences":[{"text":"Yes.","start":24.855,"end":25.11,"sentiment":"neutral","sentiment_score":0.01738840341567993}],"sentiment":"neutral","sentiment_score":0.01738840341567993,"channel":0,"num_words":1,"start":24.855,"end":25.11},{"sentences":[{"text":"about it, but","start":25.235,"end":26.055,"sentiment":"neutral","sentiment_score":0.006682405248284339}],"sentiment":"neutral","sentiment_score":0.006682405248284339,"channel":1,"num_words":3,"start":25.235,"end":26.055},{"sentences":[{"text":"It","start":26.95,"end":27.19,"sentiment":"neutral","sentiment_score":0.016944456845521927}],"sentiment":"neutral","sentiment_score":0.016944456845521927,"channel":0,"num_words":1,"start":26.95,"end":27.19},{"sentences":[{"text":"let's","start":26.97,"end":27.21,"sentiment":"neutral","sentiment_score":0.04364517331123352}],"sentiment":"neutral","sentiment_score":0.04364517331123352,"channel":1,"num_words":1,"start":26.97,"end":27.21},{"sentences":[{"text":"probably","start":27.19,"end":27.43,"sentiment":"neutral","sentiment_score":0.05260477215051651}],"sentiment":"neutral","sentiment_score":0.05260477215051651,"channel":0,"num_words":1,"start":27.19,"end":27.43},{"sentences":[{"text":"let's","start":27.21,"end":27.57,"sentiment":"neutral","sentiment_score":0.05252043902873993}],"sentiment":"neutral","sentiment_score":0.05252043902873993,"channel":1,"num_words":1,"start":27.21,"end":27.57},{"sentences":[{"text":"only","start":27.43,"end":27.67,"sentiment":"neutral","sentiment_score":0.04870447888970375}],"sentiment":"neutral","sentiment_score":0.04870447888970375,"channel":0,"num_words":1,"start":27.43,"end":27.67},{"sentences":[{"text":"run","start":27.57,"end":27.93,"sentiment":"neutral","sentiment_score":0.05440160259604454}],"sentiment":"neutral","sentiment_score":0.05440160259604454,"channel":1,"num_words":1,"start":27.57,"end":27.93},{"sentences":[{"text":"take about","start":27.67,"end":28.07,"sentiment":"neutral","sentiment_score":0.0630145464092493}],"sentiment":"neutral","sentiment_score":0.0630145464092493,"channel":0,"num_words":2,"start":27.67,"end":28.07},{"sentences":[{"text":"with","start":27.93,"end":28.09,"sentiment":"neutral","sentiment_score":0.06659442186355591}],"sentiment":"neutral","sentiment_score":0.06659442186355591,"channel":1,"num_words":1,"start":27.93,"end":28.09},{"sentences":[{"text":"five","start":28.07,"end":28.310001,"sentiment":"neutral","sentiment_score":0.07376287877559662}],"sentiment":"neutral","sentiment_score":0.07376287877559662,"channel":0,"num_words":1,"start":28.07,"end":28.310001},{"sentences":[{"text":"it.","start":28.09,"end":28.59,"sentiment":"neutral","sentiment_score":0.07109105587005615}],"sentiment":"neutral","sentiment_score":0.07109105587005615,"channel":1,"num_words":1,"start":28.09,"end":28.59},{"sentences":[{"text":"minutes or so.","start":28.310001,"end":29.19,"sentiment":"neutral","sentiment_score":0.10369754830996196},{"text":"It's a pretty simple one.","start":29.19,"end":30.89,"sentiment":"neutral","sentiment_score":0.22880863547325134}],"sentiment":"neutral","sentiment_score":0.18189197778701782,"channel":0,"num_words":8,"start":28.310001,"end":30.89},{"sentences":[{"text":"Okay.","start":31.289999,"end":31.529999,"sentiment":"neutral","sentiment_score":0.1818993389606476},{"text":"Cool.","start":31.529999,"end":32.03,"sentiment":"neutral","sentiment_score":0.1894381046295166}],"sentiment":"neutral","sentiment_score":0.1856687217950821,"channel":1,"num_words":2,"start":31.289999,"end":32.03},{"sentences":[{"text":"Now just for security purposes, even though I can hear it's you, Jenna, just need to confirm full name, date of birth, and address, 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document.","start":1166.8151,"end":1170.8351,"sentiment":"neutral","sentiment_score":0.2941081776068761},{"text":"Any questions, you just give me a call.","start":1171.2151,"end":1173.635,"sentiment":"neutral","sentiment_score":0.2769498787820339},{"text":"If you have a read through with it, it all makes sense and you are happy to move forward.","start":1173.855,"end":1177.6951,"sentiment":"positive","sentiment_score":0.5179264796407599}],"sentiment":"positive","sentiment_score":0.42290474186863813,"channel":0,"num_words":57,"start":1158.51,"end":1177.6951},{"sentences":[{"text":"It will just ask for your signature.","start":1177.6951,"end":1179.475,"sentiment":"neutral","sentiment_score":0.15742791976247514},{"text":"Once","start":1180.79,"end":1181.11,"sentiment":"neutral","sentiment_score":0.12851497530937195}],"sentiment":"neutral","sentiment_score":0.15381380170583725,"channel":0,"num_words":8,"start":1177.6951,"end":1181.11},{"sentences":[{"text":"Yep.","start":1180.8301,"end":1181.3301,"sentiment":"neutral","sentiment_score":0.1904674470424652}],"sentiment":"neutral","sentiment_score":0.1904674470424652,"channel":1,"num_words":1,"start":1180.8301,"end":1181.3301},{"sentences":[{"text":"you've added the signature, it will then validate and send it directly back to me, and I will get notified.","start":1181.11,"end":1186.65,"sentiment":"neutral","sentiment_score":0.26184822246432304},{"text":"And that tells me that you are then happy with it, and I will let the investment team know to make those changes for you.","start":1187.11,"end":1192.575,"sentiment":"positive","sentiment_score":0.6140698325634003}],"sentiment":"positive","sentiment_score":0.45752689474158814,"channel":0,"num_words":45,"start":1181.11,"end":1192.575},{"sentences":[{"text":"Thank you very much.","start":1194.135,"end":1195.515,"sentiment":"positive","sentiment_score":0.8162039369344711}],"sentiment":"positive","sentiment_score":0.8162039369344711,"channel":1,"num_words":4,"start":1194.135,"end":1195.515},{"sentences":[{"text":"Yeah.","start":1195.135,"end":1195.635,"sentiment":"positive","sentiment_score":0.5241310596466064},{"text":"No problem at all.","start":1196.0149,"end":1196.8949,"sentiment":"positive","sentiment_score":0.6439017951488495},{"text":"I hope you enjoy the rest of your day as much as you can, hopefully, and have a good weekend.","start":1196.8949,"end":1202.595,"sentiment":"positive","sentiment_score":0.7673278748989105}],"sentiment":"positive","sentiment_score":0.7378518295288086,"channel":0,"num_words":25,"start":1195.135,"end":1202.595},{"sentences":[{"text":"Thank you very much, Troy.","start":1203.5499,"end":1204.75,"sentiment":"positive","sentiment_score":0.7823846459388732},{"text":"You too.","start":1204.75,"end":1205.4099,"sentiment":"positive","sentiment_score":0.4762069284915924},{"text":"Thanks","start":1205.5499,"end":1205.7899,"sentiment":"positive","sentiment_score":0.5219142436981201}],"sentiment":"positive","sentiment_score":0.6732814162969589,"channel":1,"num_words":8,"start":1203.5499,"end":1205.7899},{"sentences":[{"text":"No","start":1205.7789,"end":1206.0189,"sentiment":"neutral","sentiment_score":0.2600904107093811}],"sentiment":"neutral","sentiment_score":0.2600904107093811,"channel":0,"num_words":1,"start":1205.7789,"end":1206.0189},{"sentences":[{"text":"again.","start":1205.7899,"end":1206.2899,"sentiment":"neutral","sentiment_score":0.09766069054603577}],"sentiment":"neutral","sentiment_score":0.09766069054603577,"channel":1,"num_words":1,"start":1205.7899,"end":1206.2899},{"sentences":[{"text":"worries.","start":1206.0189,"end":1206.3389,"sentiment":"neutral","sentiment_score":0.11841367930173874},{"text":"We'll speak soon.","start":1206.3389,"end":1207.3188,"sentiment":"neutral","sentiment_score":0.13849731286366782},{"text":"Alright.","start":1207.8589,"end":1208.3589,"sentiment":"neutral","sentiment_score":0.1485528200864792}],"sentiment":"neutral","sentiment_score":0.13649168759584426,"channel":0,"num_words":5,"start":1206.0189,"end":1208.3589},{"sentences":[{"text":"Yeah.","start":1207.95,"end":1208.27,"sentiment":"neutral","sentiment_score":0.14121124148368835},{"text":"Bye.","start":1208.27,"end":1208.77,"sentiment":"neutral","sentiment_score":0.13074657320976257}],"sentiment":"neutral","sentiment_score":0.13597890734672546,"channel":1,"num_words":2,"start":1207.95,"end":1208.77},{"sentences":[{"text":"Bye.","start":1208.6589,"end":1209.1589,"sentiment":"neutral","sentiment_score":-0.11861295253038406}],"sentiment":"neutral","sentiment_score":-0.11861295253038406,"channel":0,"num_words":1,"start":1208.6589,"end":1209.1589}]},"summary":{"result":"success","short":"A financial representative recommends changing a customer's investment portfolio to match their growth profile and suggests a new projection fee comparison table. The customer is advised to bring all investments back into the intended allocation and redo a rebalancing process. The speaker emphasizes their independence and provides monthly summary emails with numbers. The process of reviewing investments and recommending the best options is explained, along with restrictions on accessibility and the need for physical signatures. The speaker also provides information on setting up a will and power of attorney and encourages the customer to read through a document."},"intents":{"segments":[{"text":"Now just for security purposes, even though I can hear it's you, Jenna, just need to confirm full name, date of birth, and address, please.","start_word":92,"end_word":116,"intents":[{"intent":"Confirm identity","confidence_score":0.4123405},{"intent":"Confirm details","confidence_score":0.08208795}]},{"text":"Address, is that the other one you needed? Yes, please.","start_word":131,"end_word":140,"intents":[{"intent":"Update address","confidence_score":0.12844785}]},{"text":"I'm just letting you know that the calls are being recorded for quality and coaching purposes, if that's okay.","start_word":180,"end_word":198,"intents":[{"intent":"Record calls","confidence_score":0.011041727}]},{"text":"Do you have access to your emails or kind of on the go at the moment?","start_word":214,"end_word":229,"intents":[{"intent":"Get access to emails","confidence_score":0.004800596}]},{"text":"The only thing we were looking at today is your super investments to see if we needed to make any changes.","start_word":357,"end_word":377,"intents":[{"intent":"Review super investments and recommendations","confidence_score":0.001181675}]},{"text":"with the investments as well, I have also just recommended that we do a bit of a rebalancing to your portfolio, which we'd like to do every now and then.","start_word":832,"end_word":861,"intents":[{"intent":"Rebalancing portfolio allocation","confidence_score":0.0009481842}]},{"text":"So Hub twenty four is the platform that holds your money, and then Oakview Right. manages all the investments for you. Right. Yeah.","start_word":1007,"end_word":1029,"intents":[{"intent":"Managing investments","confidence_score":0.15655136}]},{"text":"Like, that's that's where you have the money, but they don't have control Uh-huh. over what you invest in. So we that's why we come in. So we do all of that management for you. I see.","start_word":1047,"end_word":1083,"intents":[{"intent":"Manage investments and services","confidence_score":0.00012441908}]},{"text":"So with your investments, just rebalancing it. Not changing everything, just kind of rebalancing, bringing everything back to alignment, making sure you're not Yep. taking That any might be. unnecessary risk and everything, and just making that one investment change, like I said.","start_word":2207,"end_word":2249,"intents":[{"intent":"Discuss investments and approval","confidence_score":0.0007899356}]},{"text":"But by doing so, the fees are actually a little bit cheaper, and that is because Bennelong is a little bit more expensive than the a 200 investment. So it is saving you about $510 in investment fees per year, which is pretty good. Yeah.","start_word":2446,"end_word":2490,"intents":[{"intent":"Explain investment benefits","confidence_score":0.049164906}]},{"text":"Now, for example, I did consider, like, other super funds for you, and the capital gains tax by changing would have been about 4,775. Obviously, we wanna avoid that. Sorry.","start_word":2869,"end_word":2898,"intents":[{"intent":"Evaluate investment decisions","confidence_score":0.0020646635}]},{"text":"shows you that when if you do wanna start accessing super at about 65 and you wanted to draw an income of about $2,000 a fortnight or $1,000 a week, It breaks down everything for you. So it shows you how much you can take from your super.","start_word":3088,"end_word":3135,"intents":[{"intent":"Provide a financial overview","confidence_score":7.3451935e-7},{"intent":"Provide information on super","confidence_score":0.002679951}]},{"text":"And I have included just some general information in regards to setting up a will and power of attorney.","start_word":3257,"end_word":3275,"intents":[{"intent":"Provide will and power of attorney","confidence_score":0.050225712}]},{"text":"And I have included just some general information in regards to setting up a will and power of attorney. It is something I always recommend everyone to do. It's just some information there for you. And that was essentially everything.","start_word":3257,"end_word":3296,"intents":[{"intent":"Provide information","confidence_score":0.22811584}]},{"text":"The fees are not changing like I mentioned last time as well. That ongoing advice fee is exactly the same at 1 0.65. So if you, when you have a moment to have a read through the document, are happy with the investment changes and you wanna go ahead, there is no additional fees and charges. It is all inclusive of the ongoing advice fee. Sounds awesome.","start_word":3300,"end_word":3366,"intents":[{"intent":"Provide advice and support","confidence_score":0.000520452}]},{"text":"Now I will let you go and hopefully look after your child and that they're okay. And when you have a moment, just have a look through the document. Any questions, you just give me a call. If you have a read through with it, it all makes sense and you are happy to move forward.","start_word":3368,"end_word":3423,"intents":[{"intent":"Review document","confidence_score":0.010396442}]},{"text":"you've added the signature, it will then validate and send it directly back to me, and I will get notified.","start_word":3433,"end_word":3452,"intents":[{"intent":"Validate signature","confidence_score":0.05497396},{"intent":"Notify about updates","confidence_score":0.0011624902}]}]},"sentiments":{"segments":[{"text":"Voice mail. The person you're trying to reach Hello? Hello. Is this Grant? Hello? Yes. Hi, Veranki. How are you? Yeah.","start_word":0,"end_word":20,"sentiment":"neutral","sentiment_score":0.06218067929148674},{"text":"Good. Thanks.","start_word":21,"end_word":22,"sentiment":"positive","sentiment_score":0.5060083866119385},{"text":"How are you? Not too bad.","start_word":23,"end_word":28,"sentiment":"neutral","sentiment_score":0.31579846143722534},{"text":"That's good.","start_word":29,"end_word":30,"sentiment":"positive","sentiment_score":0.5331420302391052},{"text":"I had you booked in. It is a pretty quick one today just to go over the research I did on your super investments. Is now still Yes. a good time? Yes. Yes. I had forgotten Yes. about it, but It let's probably let's only run take about with five it. minutes or so. It's a pretty simple one. Okay. Cool. Now just for security purposes, even though I can hear it's you, Jenna, just need to confirm full name, date of birth, and address, please. I'll catch you later, Jimmy. Yeah. Grant, Eric. Daniel. Date of birth, 05/1272. Yep. Address, is that the other one you needed? Yes, please. 12 Scenic Drive, Kingston 7050. If Yep. it's been updated, K. otherwise, it's still the No. 90 We Craddock have that one. Hill Road. Yep. No. We have the the new one, the 12 Scenic Drive, so that's great. I'm just letting you know that the calls are being recorded for quality and coaching purposes, if that's okay.","start_word":31,"end_word":198,"sentiment":"neutral","sentiment_score":0.10864775627851486},{"text":"Awesome.","start_word":199,"end_word":199,"sentiment":"positive","sentiment_score":0.4194793701171875},{"text":"Not a problem. Yep.","start_word":200,"end_word":203,"sentiment":"neutral","sentiment_score":0.28507038950920105},{"text":"Perfect.","start_word":204,"end_word":204,"sentiment":"positive","sentiment_score":0.4478555917739868},{"text":"Now I'll try to keep it quick for you. Do you have access to your emails or kind of on the go at the moment? Kind of on the go at the moment. I've Okay. still gotta go pick up a sick child. Oh, that's okay.","start_word":205,"end_word":250,"sentiment":"neutral","sentiment_score":0.049548760056495667},{"text":"Like I said, I'm I'm happy to just go through. It's it's very straightforward. Just go through it quickly with you.","start_word":251,"end_word":271,"sentiment":"positive","sentiment_score":0.4261031150817871},{"text":"And then later, when you have a bit of time and when, obviously, everyone's feeling a bit better, have Yep. a read Yes. through it. And Promise if you to have do. any Thank questions, you. let me know. Okay. So what's wrong with that? Yeah.","start_word":272,"end_word":317,"sentiment":"neutral","sentiment_score":0.15879689092221466},{"text":"Perfect.","start_word":318,"end_word":318,"sentiment":"positive","sentiment_score":0.5774706602096558},{"text":"Now you will see that the document, it is quite long. It's still 34 pages, but a lot of it is just the compliance just to make sure you understand everything.","start_word":319,"end_word":349,"sentiment":"neutral","sentiment_score":0.17038245499134064},{"text":"Like I said, it is pretty straightforward.","start_word":350,"end_word":356,"sentiment":"positive","sentiment_score":0.42264166474342346},{"text":"The only thing we were looking at today is your super investments to see if we needed to make any changes. I have also included some information in regards to estate planning, so it will power of attorney, and then also just making sure we have your wife nominated everywhere as well just to make sure if something were to happen to you, that all goes That opens. to her.","start_word":357,"end_word":426,"sentiment":"neutral","sentiment_score":0.15898120403289795},{"text":"So pretty straightforward.","start_word":427,"end_word":429,"sentiment":"positive","sentiment_score":0.5541684627532959},{"text":"Yep. Now when it actually comes through the superannuation side, so I did research on your Hub 24 as well just to make sure that's still going to be the best option for you because Yep. there are always new products and features that are continuously coming out. So it is good to reassess it every now and then. And after doing so, I still recommend retaining Hub twenty four.","start_word":430,"end_word":499,"sentiment":"neutral","sentiment_score":0.20594674348831177},{"text":"It is very competitive when it comes to fees, investment choices, and flexibility.","start_word":500,"end_word":512,"sentiment":"positive","sentiment_score":0.45268940925598145},{"text":"I used Hub twenty four for my personal super as well. Sorry. I have recommended to stay in it right now and literally just changing one investment. So the investment I have recommended that would change for you is that one I mentioned 1 nine last Manchester. time during the annual review, which was the Benelung Australian Equity. Now that was the one that Yes. was underperforming a little bit. Do you remember that conversation? I do. I do. Yep.","start_word":513,"end_word":592,"sentiment":"neutral","sentiment_score":0.0027926925104111433},{"text":"Beautiful.","start_word":593,"end_word":593,"sentiment":"positive","sentiment_score":0.3552102744579315},{"text":"So what I have recommended is that we change that one for another one, which is called the BetaShares Australia two hundred. Now because we are changing one Australian investment, we wanted to make sure that we still keep your portfolio, your growth portfolio still aligned and very diversified. We still wanna make sure we have some exposure to the Australian market. So by changing one, we looked for something that was quite similar but has performed better, and that was a little bit cheaper. So the a 200, it is a little bit more simplified than the Benelung in that it basically just invest in the 200 largest companies listed in Australia on the ASX.","start_word":594,"end_word":709,"sentiment":"neutral","sentiment_score":0.134409640305515},{"text":"So pretty simple, very diversified. As the company grows and gets bigger, it gets added to the 200.","start_word":710,"end_word":727,"sentiment":"positive","sentiment_score":0.4876268208026886},{"text":"And then as something gets smaller, it comes out.","start_word":728,"end_word":736,"sentiment":"neutral","sentiment_score":0.2281357944011688},{"text":"So it is a little bit more simple in that way, which also can lead to seeing less fluctuations because of it.","start_word":737,"end_word":758,"sentiment":"positive","sentiment_score":0.3819328248500824},{"text":"Still gives you good exposure and good growth, though, versus the Bennelong where they were more kind of a lot smaller investments and not the 200 and more actively buying and selling different investments to try to outperform the market. So that is kind of like the main difference between them. Now what that actually looks like is I have included a new projection fee comparison table to show you. Now Got it. with the investments as well, I have also just recommended that we do a bit of a rebalancing to your portfolio, which we'd like to do every now and then. Basically, all that is is that we bring investments back into the intended allocation. Because as markets move, obviously, some investments grow and other like that that perform very strongly, like, they grow. So that means that they become a larger portion of your portfolio than Mhmm. we originally obviously planned, which can increase your overall risk. So, basically, rebalancing, Yes. it basically means we are kind of bringing everything back into the alignment or into the percentage that we intended for the portfolio and just kind of shift things around to make sure it's appropriate, aligns with your growth profile. Does that make sense? Yep. That makes perfect sense. Yep. Well, I Yep. do have one question. Yes. What I was under the assumption that Hub twenty four Yes. were looking after all my superannuation money investments. Is that not the case? We do. So Hub twenty four is the platform that holds your money, and then Oakview Right. manages all the investments for you. Right. Yeah. So kind of think of Right. Hub twenty four as your bank account as you would. Like, that's that's where you have the money, but they don't have control Uh-huh. over what you invest in. So we that's why we come in. So we do all of that management for you. I see. Yeah. Okay.","start_word":759,"end_word":1084,"sentiment":"neutral","sentiment_score":0.10309960192606492},{"text":"Cool.","start_word":1085,"end_word":1085,"sentiment":"positive","sentiment_score":0.3813645839691162},{"text":"Okay. Any That questions that that with that? I I wasn't aware of that. I thought I thought you you guys were I don't know, the broker, the overseer to make sure I was at Hub twenty four were working for me properly, and I thought Hub twenty four were doing all the investments. But, no, No. it's actually you guys. Okay. Correct. So hub twenty four is literally Right. just where you have the money. Now part of the So research when is I get that an email up sorry. When I get an email update from Hub twenty four saying mhmm. Yes. a a a monthly sort of like a monthly summary email with just a whole bunch of numbers. What is that then if they don't want if they just are they just showing you what the growth was? They're not actually showing me what they what they've done. So not what It's they've really done. what They you've are done. showing correct. So they are showing you the administration side of it. So it's like they often when you get those monthly ones, it's showing you as contributions go into your fund. It gets invested, obviously, as per your investment portfolio that we have designed for you. So often so often, what those are is just notifications. So it's like same on, like, on on, like, a a bank. Sometimes you can just get a notification of what is happening with your account, but in terms of and, like, they are just administrators. So we, obviously, Telehub twenty four, do this or do this and have this setting in the back end to make sure we do this and and everything, and they will just action that for us. So they're literally Okay. just So the platform. they're okay. So they're Yeah. they're the they're the platform. Okay. Correct. Righto. Correct.","start_word":1086,"end_word":1400,"sentiment":"neutral","sentiment_score":0.0191127351884331},{"text":"Cool. Thank you.","start_word":1401,"end_word":1403,"sentiment":"positive","sentiment_score":0.6782147288322449},{"text":"That makes that makes me Makes feel more a bit sense. more enlightened. But no but no Yeah. And the good thing as well is because we are not tied to Hub twenty four in any way, shape, or form. And that is also with the the annual review. When I do the research, it's like, well, if I research Macquarie or or Super Standard Time Trust or Seaver or any other super funds, we do that as part of the research. And if that shows that any of those option are better than hub twenty four, then I will tell you that I recommend that we go there. Like, there is nothing sticking with hub twenty four forever if that is not going to be the best option for you.","start_word":1404,"end_word":1534,"sentiment":"neutral","sentiment_score":0.1939144730567932},{"text":"So that's why it's really good as well that there's no ties to anything, that we just do research on all products, and we can then recommend whatever is going to be the best for you.","start_word":1535,"end_word":1570,"sentiment":"positive","sentiment_score":0.36780640482902527},{"text":"So, for example, if you went to Macquarie and you spoke to an adviser at Macquarie, they are restricted to only recommending products that they have, whereas I'm not. We are not. We are completely independent. Right. Yes. Okay. Yep. Yep. Does that make sense? So Hub twenty four, again, they they are the share platform. Correct. They're the platform where we then that allows So when us I to choose say the different my investments. so when I say my so my superannuation Yes. is with Hub twenty four? Correct. Yes. Okay. So that's so they still hold my superannuation as They in they have are my correct. So they we are my don't superannuation physically h. correct. Okay. So we physically don't have your money at all. It's all with Hub twenty four. They are the administrator. They are the platform that holds your money. We just direct and tell Hub twenty four how we should invest the money and make sure everything is set up correctly for you. But if you were to, you know, turn 60 retiring, then we will submit a form to Hub twenty four, and Hub twenty four will release that money directly to you. Okay. Not that I was thinking Yep. about doing this, but if I decide, okay. I say, right, Veronica, thanks very much for all Yep. your help, but Yes. I don't wanna keep paying you guys to look after my my Super. my my plans Yep. anymore, Yep. and I opt out of this field. Yep. What happens then? Like, where does my hub Yes. 20 So four says thanks for coming off. I wasn't gonna cut There by is a and couple run. of yeah. No. There's a couple of different options. So Hub 24 is predominantly an adviser portal because of the sophistication. If you were to tell me, I don't need your help anymore. I wanna do it all myself. What would happen then is Yep. we would just remove our servicing rights with Hub twenty four. You could then decide yourself whether you wanted to stay with Hub twenty four and manage all your investments yourself. Now from a personal point of view, there are some restrictions on accessibility with investment. So you may have to choose slightly different investments than what we have you invested in because they will put you in a different product. But in theory, you can completely stay with hub twenty four and manage everything yourself, or you could have an another adviser from taking over manage hub twenty four for you. Or you could tell me, I don't wanna stay with hub twenty four. I wanna roll through AustralianSuper, and then we would help you to do that. And then you would obviously manage everything yourself moving forward. Right. Okay. Cool. That does make sense. Does that No.","start_word":1571,"end_word":2050,"sentiment":"neutral","sentiment_score":-0.014209414766082774},{"text":"make I'm not sense?","start_word":2051,"end_word":2054,"sentiment":"negative","sentiment_score":-0.3918984830379486},{"text":"gonna do that because I looked a while back earlier in the year. Yeah. I Mhmm. looked into shares and investing and having a bit of a crack at that myself.","start_word":2055,"end_word":2085,"sentiment":"neutral","sentiment_score":-0.13771529495716095},{"text":"I've never been, you know, any sort of spare money ever given a reply in that area.","start_word":2086,"end_word":2102,"sentiment":"negative","sentiment_score":-0.35043957829475403},{"text":"And it Yep.","start_word":2103,"end_word":2105,"sentiment":"neutral","sentiment_score":-0.28514763712882996},{"text":"just it just it just takes too much too much out of your time.","start_word":2106,"end_word":2119,"sentiment":"negative","sentiment_score":-0.552481472492218},{"text":"It's it's all very well, but I think you need, like I don't know. I think you need to be, like, really on it to be constantly chopping and trading and selling and Yes. buying. Yeah.","start_word":2120,"end_word":2155,"sentiment":"neutral","sentiment_score":-0.2801308333873749},{"text":"And, oh, man, it's still too much.","start_word":2156,"end_word":2162,"sentiment":"negative","sentiment_score":-0.4045405983924866},{"text":"So yeah. Okay.","start_word":2163,"end_word":2165,"sentiment":"neutral","sentiment_score":-0.007855554111301899},{"text":"Thank you Yes. very much. That's that's made it.","start_word":2166,"end_word":2174,"sentiment":"positive","sentiment_score":0.40370574593544006},{"text":"That that that that that's yeah. I understand it even a bit more now.","start_word":2175,"end_word":2188,"sentiment":"neutral","sentiment_score":0.1479174792766571},{"text":"Thank you.","start_word":2189,"end_word":2190,"sentiment":"positive","sentiment_score":0.3950423002243042},{"text":"Yeah. Oh, no. No. I'm glad. Any questions, just let me know. But now, actually yeah. So with your investments, just rebalancing it. Not changing everything, just kind of rebalancing, bringing everything back to alignment, making sure you're not Yep. taking That any might be. unnecessary risk and everything, and just making that one investment change, like I said. Now, obviously, as well, we can't just so with, obviously, the personalized advice and the reason we have to go through the SOA is that I can't we can't just decide to be like, oh, cool. We're gonna go change this investment and have 24 for you. We have to go through this SOA. You have to physically sign the document to say that you are happy with the changes before we can actually go and make it. So even though we have oversight of what we can manage for you, it has to be with your written approval. Like, we can't just go and be like, oh, cool. Let's change this. Like, you have to agree to it, which is why sometimes this SOA process can be a bit tedious, but it is also to make sure that you are fully informed and fully approving of everything before anything would happen. That's fine. Yep.","start_word":2191,"end_word":2404,"sentiment":"neutral","sentiment_score":0.016011197119951248},{"text":"Perfect.","start_word":2405,"end_word":2405,"sentiment":"positive","sentiment_score":0.5592281818389893},{"text":"Now what that actually looks like, though, for you is I have included a bit of an updated projection to show you the outcome. Like I said, it's literally changing one investment and rebalancing a little bit.","start_word":2406,"end_word":2442,"sentiment":"neutral","sentiment_score":0.1664169877767563},{"text":"So pretty straightforward.","start_word":2443,"end_word":2445,"sentiment":"positive","sentiment_score":0.4039888978004456},{"text":"But by doing so, the fees are actually a little bit cheaper, and that is because Bennelong is a little bit more expensive than the a 200 investment.","start_word":2446,"end_word":2473,"sentiment":"neutral","sentiment_score":0.28552618622779846},{"text":"So it is saving you about $510 in investment fees per year, which is pretty good.","start_word":2474,"end_word":2489,"sentiment":"positive","sentiment_score":0.623543381690979},{"text":"Yeah. No. It's pulled up.","start_word":2490,"end_word":2494,"sentiment":"neutral","sentiment_score":0.12263622134923936},{"text":"Yeah. Thank you.","start_word":2495,"end_word":2497,"sentiment":"positive","sentiment_score":0.5068375468254089},{"text":"Now That's with why you the buy actual the big pumpkin. alright. Now with the actual returns as well, I have also shown you what that looks like. So, again, pretty straightforward. Just changing one investment, and I have shown you twelve month, three years, five years, and ten year time frame so that you can see it. And across all of those, all four time frames, the new recommended portfolio, which again is just one investment change and rebalancing, it has outperformed. So you if we're looking at, let's say, their last twelve months, it was sitting at about 12.5% before fees. Recommended is 16.5. So, again, improving Mhmm.","start_word":2498,"end_word":2607,"sentiment":"neutral","sentiment_score":0.21722638607025144},{"text":"Oh, things wow. a little bit for you, which is great.","start_word":2608,"end_word":2618,"sentiment":"positive","sentiment_score":0.4738124907016754},{"text":"We like to look a bit more long term because, obviously, in the short term, they can leave it of, like, cyclical trends with the investment. Even if we Yep. look at a five year rolling average, current one is sitting at about 9.54.","start_word":2619,"end_word":2662,"sentiment":"neutral","sentiment_score":0.1896129995584488},{"text":"Recommended is 11.5. So, again, even across your longer time frame, it has still performed better and is cheaper for you.","start_word":2663,"end_word":2683,"sentiment":"positive","sentiment_score":0.38120123744010925},{"text":"That sounds right. Yeah. Now I do wanna let you know that sometimes when we do change investments, and that is something we factor in in the research, is that when you are selling investments, there can be capital gains tax associated with selling something. So we're obviously trying to make sure we minimize that as much as possible when we are recommending changes. And the way that things are at the moment and it can change on the daily, but the way that when we did the research, there's estimated to be no capital gains tax with this investment change, which is great.","start_word":2684,"end_word":2787,"sentiment":"neutral","sentiment_score":0.11992175877094267},{"text":"Awesome.","start_word":2788,"end_word":2788,"sentiment":"positive","sentiment_score":0.7070798277854919},{"text":"Yep. If Now that for was example the case yes. if that was the case, would that be something I would have to declare at tax time? No. It's all within the super environment. So it would just be, Okay. like, a fee Right. that Yep. would come out directly from super. So hub twenty four would Oh, yes. I've seen those tax. Yeah. Okay. yes. I've seen those yeah. Something similar Yeah. to that anyway. But yeah. Yes. Okay. Now, for example, I did consider, like, other super funds for you, and the capital gains tax by changing would have been about 4,775. Obviously, we wanna avoid that. Sorry. The the recommendation currently doesn't trigger any capital gains tax, which is great.","start_word":2789,"end_word":2911,"sentiment":"neutral","sentiment_score":0.0388086661696434},{"text":"So pretty straightforward.","start_word":2912,"end_word":2914,"sentiment":"positive","sentiment_score":0.5142104625701904},{"text":"We're not changing your risk at all, keeping you within the growth portfolio, keeping it in line with our 8020 allocation. And like I said, literally just changing that one investment and rebalance things for you. Now I I have also, just for your reference, if things can change all the time, I have on page 19, when you have a look at it, done a bit of a retirement income calculator just to show you where the way things are currently, what that then would be projected for when you actually want to start drawing an income from super. Now it is Mhmm. using more conservative return, so it's kind of assuming that when you turn 60, 60, you wanna reduce your risk profile and go conservative. That's not always the case, but I would rather be a bit more conservative in these retirement projections. And then if you Mhmm. do end up obviously working longer and being more in a growth, it's just gonna grow more. But that basically Right. shows you that when if you do wanna start accessing super at about 65 and you wanted to draw an income of about $2,000 a fortnight or $1,000 a week, It breaks down everything for you. So it shows you how much you can take from your super. Obviously, because of the investment property as well, it also shows you that. But it basically shows you that your super will last easily until 87. And 87, it would then be a very minimal age pension to supplement your superannuation if at the time you're still eligible. And then it kind of continues. And it shows you all the way through 99.","start_word":2915,"end_word":3197,"sentiment":"neutral","sentiment_score":0.1510196933687365},{"text":"Cool.","start_word":3198,"end_word":3198,"sentiment":"positive","sentiment_score":0.481514573097229},{"text":"Does that make sense? It does. Yeah. No. No. No. It makes sense. Yeah.","start_word":3199,"end_word":3212,"sentiment":"neutral","sentiment_score":0.17337210476398468},{"text":"I'm looking forward to have you look at it. Yeah. Beautiful.","start_word":3213,"end_word":3223,"sentiment":"positive","sentiment_score":0.5124385356903076},{"text":"And that was essentially it. Like I said, I have also included that we obviously wanna make sure that your child insurances is directed to Alexandra as well if something were to happen. And I have included just some general information in regards to setting up a will and power of attorney. It is something I always recommend everyone to do. It's just some information there for you. And that was essentially everything. So pretty straightforward. The fees are not changing like I mentioned last time as well. That ongoing advice fee is exactly the same at 1 0.65. So if you, when you have a moment to have a read through the document, are happy with the investment changes and you wanna go ahead, there is no additional fees and charges. It is all inclusive of the ongoing advice fee.","start_word":3224,"end_word":3364,"sentiment":"neutral","sentiment_score":0.26125895977020264},{"text":"Sounds awesome. Perfect. Now I will let you go and hopefully look after your child and that they're okay.","start_word":3365,"end_word":3383,"sentiment":"positive","sentiment_score":0.5288553237915039},{"text":"And when you have a moment, just have a look through the document. Any questions, you just give me a call.","start_word":3384,"end_word":3404,"sentiment":"neutral","sentiment_score":0.28540825843811035},{"text":"If you have a read through with it, it all makes sense and you are happy to move forward.","start_word":3405,"end_word":3423,"sentiment":"positive","sentiment_score":0.5113785862922668},{"text":"It will just ask for your signature. Once Yep. you've added the signature, it will then validate and send it directly back to me, and I will get notified.","start_word":3424,"end_word":3452,"sentiment":"neutral","sentiment_score":0.22858935594558716},{"text":"And that tells me that you are then happy with it, and I will let the investment team know to make those changes for you. Thank you very much. Yeah. No problem at all. I hope you enjoy the rest of your day as much as you can, hopefully, and have a good weekend. Thank you very much, Troy. You too.","start_word":3453,"end_word":3513,"sentiment":"positive","sentiment_score":0.6795423030853271},{"text":"Thanks No again. worries. We'll speak soon. Alright. Yeah. Bye. Bye.","start_word":3514,"end_word":3524,"sentiment":"neutral","sentiment_score":0.14771221578121185}],"average":{"sentiment":"neutral","sentiment_score":0.1196068469227839}}}}