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Is now still a good time for you? Beautiful. I'm gonna send you a copy of the document via email as well. Do you have access to your emails at the moment? Yep. Beautiful. Lovely. I'll send that one through to you now. Now just to avoid jumping to the call moving forward, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that one, Chloe? Beautiful. And just to do security there with you as well, we are discussing your personal information. I'll just need to confirm your full name, your address, and date of birth I should have on file. Yep. Yeah. Beautiful. Thank you so much for that one. Now I've sent the email through with the document there attached. Just are you able to confirm if it popped through to you as of yet? Beautiful. Lovely. So when you open that one there, you'll be able to review the document. I believe there is a button on the front that says sign. You may have to click that button so you can kinda go through and review the document. They'll never ask you to sign anything that you haven't read through. It just allows you to move it up and down throughout the documents there. Okay. Beautiful. Now when you open that one up, you will see on the front page that a statement of advice has been prepared for yourself, Chloe, for us as of the seventh April twenty twenty six, prepared by myself and my lovely team here at OP Financial. My registered license number with ASDIC is 1304394. Okay. Beautiful. Now when you've got that one open, what I'll get you to do, just to make it nice and easy, you're welcome to go back and read you the document prior to signing it, but so as I'm not sort of going through all the different pages and making it a little bit over the top, if I can only get you to scroll down for me, it's just the page number 20, and we'll just go through the recommendations there for you. Okay. Beautiful. Lovely. Now this advice document has been limited to essentially superannuation and specifically the investments within your superannuation as the last time we sort touched base. One of your underlying investments had been underperforming a little bit, so we wanted to look at removing that one. And we did talk about maybe moving in and looking at the the late the SMA product, the separately managed account that we've been able to set up utilizing BlackRock as an investment manager as well. So, essentially, utilizing this SMA account allows you to have a bit more allows us to have a bit more control around what the investments are. So with the how the markets are at the moment with a lot of ups and downs and a bit of uncertainty there, we're able to maneuver the investment within that SMA account without having to update this this advice regularly, which allows us and the investment committee a bit more control around what you're invested in, making sure we can maneuver things depending on what market circumstances look like. Okay? Perfect. Now with this recommendation here, you'll see the current that shows where you currently are with your current balance and the current fees that you are in. With this one here, I have looked at the additional research. I've looked at just replacing one investment as well as the SMA. Because one of the things you wanted us to have was a bit more control around maneuvering and changing those investments depending on conditions, I am recommending that we do move you into that SMA product there. In order to do so, we're actually moving you changing the investment menu within Hub 24. So you'll stay in Hub 24. We're just maneuvering in the back end of the tick box, and it changed these from the core sorry, from the choice product into what's called the core products. They have different investment menus and different products in the Hub 24. They have the lowest tier, which is the cheapest option discovery, then it goes core, then it goes choice, and choice is a higher level of menu, so it is a more expensive product to hold. By changing your underlying hub 24 menu to the core menu, we're actually gonna be making it cheaper in administration fees, and you'll see it's actually gonna save you about a $180 in admin fees, which is in which is really good. Alright? And by moving into the SMA as well as separately managed the account there, we're keeping you in that high growth environment. So not changing the asset allocation as such. You still have that high growth asset allocation, which is suited to your time horizon. But it's actually gonna save you an investment fees, and we estimate, having a look at this, about a $135 in investment fees. So overall, it's a much cheaper product for you, and it saves you an investment fees, which is really important as well. Okay? Perfect. Now you will see at the top there, the difference is 1,883. That's essentially the CDT. So because we are buy we are selling some investments, we are gonna, in fact, transfer as many as possible to limit the amount of CDT. But when we went back and completed the research, in order to move you into a separately managed account, We do know there are capital gains consequences. This is all covered by your super fund, not by yourself, but it's still important to make sure we limit those where possible. But we do estimate the CGT consequences for the change is about $1,883. Your super fund will cover that and deal with that. We wanna make sure that once it's all completed, we'll keep reviewing the investments and keep reviewing your portfolio and everything with you as we are moving forward just to make sure that things are working harder, but we do want that to be made back as quickly as possible within the investment. Okay? Beautiful. Now I am really honest, and I will let you know when we look at the returns, the SMA has shown a little bit lesser of a return, so about 1.93% when we compare that to your current portfolio. Your current portfolio in the high growth environment over the last three years, according to the research, has averaged about 14.48%. However, you've actually not received that kind of return. So when I look at your super fund since inception, you've actually returned 24.9%, which when I averaged that over three years is about 8.3%. So I do like projections and returns to be taken with a grain of salt because I know you're not gonna get 14% every single year over the next twenty odd years towards retirement then. So this is just more about the the investments being in best interest. And the way that this makes the investments just for you is that moving to the estimate, as I said, it gives us a lot more control around maneuvering the investment there. It is a much cheaper option for you as well. So saving fees generally helps to provide greater long term performance because you have more money invested there. So you will see on the next page, we have got a projection table there, and it does show that over the next ten years, if you were able to get the exact returns between these two portfolios, where we can see that return where we can see that sort of projected out to. However, as I mentioned, I take it with a grain of salt. Returns aren't the most important things for this document. What's important is making sure that we're meeting we're looking to meet your goals. You've still got twenty years ahead of you. It's still a long time when markets are changing and altering and reacting. And, I mean, when you sort of look at where we were last year, no one would have thought we were where we are this year. No one would have thought we'd have this fuel crisis or the the market ups and downs that we are seeing at the moment. So I don't think anyone could have seen that coming, and who knows where we're gonna be next year as well. So at this point, I think we're all looking to see where we're gonna be in next month. So it's insane, isn't it? So, essentially, when I go back and do the research for you, this recommendation does work in your best interest. So helping you to save in fees, which can provide a greater long term benefit. When I look at how a high growth portfolio the environment is, we're sort of looking at to average around about eight to 10% return. So when I sort of look at the estimate, you are more likely to try and obtain more of a 12% return. I'm not guaranteeing that every year. But because we are sort of looking at how the estimate works and the fact that we can also invest this on a regular basis for you, you are probably more likely to be able to get something around that sort of return. I'd like you to get a much greater return each year. And we know some user might get a 25% return, a 20% return. Some user might only be a 3% return, and this year is gonna be a bit volatile, and I'd expect this year to see a a probably a lower rate of return than what we have in previous years. But if we make those changes now, you've got a lot more time on your side to be able to allow your portfolio to recover, to start growing, and to start compounding again. And then we'll just review things every year. If we find the estimate is not working in your benefit, then we can always look at other options to keep things working for you. Does that make sense? Yeah. Beautiful. Beautiful. Another really good aspect of the estimate and why it does work in best interest for you is if you go to this one page above there for me. So sorry. It's 19. Yeah. So this sort of shows you in that high growth environment, we normally like to see about a ninety ten split between growth and defensive assets there. So as of the moment with your current portfolio, you've got about 90.43% in growth investments. Those are more of those high risk investments where you're hoping to get a greater level of return and then about 9.57% in defense. It's the lower risk investments that generally that'll help smooth out long term market fluctuations a bit. They're more for cash producing. With the SMA, we're actually lowering the overall risk level, and it's one of the aspects and why we like to be able to use BlackRock BlackRock's investment team is we get access to the analysts in order to build these sorts of portfolios, and the analysts can help us to look at the amount of risk you're taking. So another really important aspect is you wanna be getting good returns, but you wanna try and mitigate as much risk as as humanly possible when it comes to market fluctuations and and the market over the longer term. So with the proposed inside the SMA there, you're actually reducing your gross asset allocation to about 88.87%. We do allow for about a 10% variance in the in the gross and defensive asset allocation there. So the 88.87 is within that 10 variance, which is perfectly fine. It's actually reducing your risk in those growth investments, so reducing your risk in the portfolio overall, increasing some of those defensive assets to 11.13% to help lower the risk level, but still give you as good of return as we can obtain and making sure that the portfolio is working harder as well. Does that make sense? Yeah. Do you have any questions so far at all? No? Beautiful. If you just go up to page number 17 there, you'll essentially see the difference. So the portfolio that you're in currently and all the reds, that essentially shows that we'll be selling all of those investments. Essentially, in order to transfer into the SMA, we we tell Hub twenty four that we wanna sell everything and what we wanna buy, and they will, in the back end, go back and look at what you have owned for longer, try to sell things in a more tax effective way. But anything that's currently existing within the estimate product, they'll also try to in space the transfer over that mitigates as much of the tax consequences as possible for your super fund. But this essentially shows what you'll see when you look at your super fund once we've completed the change there, you'll actually see that you've got we've incorporated a mix of two of the SMA products to keep that $90.10 sort of split for you in a high growth environment. So you'll see about 33.3% of your funds in the catalyst SMA product and then about 66.67 in the bloom. So this is what you'll actually see. And what we can do is every sort of quarter the investment committee meets, whenever they do make changes to the product, we do get change reports. So we can once those whenever there's a change within the estimate, we can always email you through those change reports. So unlike your portfolio at the moment, you won't see all the underlying investments because at the moment, you've got about eight or nine there. Once we move into the estimate product, you probably have about, you know, anywhere between 10 to 50 different investment options depending on what the markets require us to be invested in that particular point in time. So you'll just see the bloom and the catalyst there with the amounts of money invested between those. And then if you would like me to, every time we see they let us know that there are some changes being made to the estimated products, then we can always send through change reports to you as well so you can kinda see what the underlying looks like for you at that particular time. Okay? Yep. That's okay. Not a problem at all. We always get notified, and we have a really lovely meeting. We just had one about a week ago oh, sorry. About two weeks ago, just to sort of have a look at where markets are going and what the changes look like. So if you like, I can even, after the call, send through a copy of that change report, and you're welcome to have a bit of a look at what the underlying sort of look like at the moment. Okay? Yeah. Excellent. With the advice documents there, as I mentioned, it is sort of just sort of scoped into the superannuation and the investments there. We are wanting to make sure that you're invested in a way that suits your investment goals, and we are working towards your retirement. So, hopefully, being able to retire around about the age of 60 there, being in a SMA product does not take away the need for regular reviews. So at the moment, you've got a really good time horizon ahead of you. That high growth environment still does suit, but you might find, as you get closer to accessing super, that you don't wanna be in that kind of environment. Most people, when they're about eight years away, decide to pull back a little bit. But sometimes when you're about ten or even fifteen years away, some people still feel a bit more concerned and wanna kinda draw back a little bit. So I do wanna still do regular reviews with you and just make sure things are working harder for you, give you an update on how the portfolio is working as well. I know we do regular yearly reviews, but did you maybe wanna see something a little bit more regular, maybe once every three months or six months moving forward? What's more preferable for yourself, Chloe? Yep. Yep. Yeah. Not a problem at all. If you find that that changes and you want something a bit more regular, you're welcome to let me know. We've had some business changes as well. So I've sort of added you to my book individually, so I'll be the only adviser that you'll be able to you'll talk to just to kinda keep things smooth. I can keep it kind of in unison for you, and then you'll be able to contact my admin, Michelle, and she'll be able to she'll be the one that contacts you to do regular reviews and things like that. So after you've, yeah, I know Michelle contacted you to get your ID this morning. So, yeah, you'll be able to make sure you keep in contact with us, and we'll make sure we contact you whenever we need to just sort of touch base. And if you decide you want reviews more often or even an ad hoc call, it's all part of our services and what we're here to provide. So we just wanna make sure it's more consistent for you moving forward. Okay? Oh, that's okay. It's not a problem. It's been a pleasure. I've really enjoyed doing this research there for you. I just I'll let you go back and have a bit of a read of the document there. Feel free to let me know if you do happen to have any questions. We've got the insurance scoped into a limited scope only, so it's about just letting you know that there's no changes to the insurance recommendations there. I've only scoped them into a limited capacity just because it's the it affects the kind of the projections moving forward. Your insurance premiums are paid out of your super funds, and they do get accounted into that projection table. So I do like to make sure that's accounted for and nice and clearly set out for you. We do have also the advantages, disadvantages, the risks involved, and any alternatives considered that notes in the documents. So you're welcome to run your eyes over those. Let me know if you happen to have any questions at all, and if you're happy to take on those recommendations and move into the estimate product to start with, knowing what we can review that and always move out if it doesn't work for you. I'll just get you to return that back at sign and return the document back for me. Does that make sense? Yeah. Beautiful. Yeah. That's okay. That's not a problem at all. I'll get I'll see if I can get a hold of that change report now from our investment committee, and I'll send it to you in the email. That way you've also got my email address, and you're welcome to keep that and send me any emails. You might have questions at a random time or even just, you know, contact me. Go, Dana. I need to have a bit of a catch up with you, and I'll make time to have a chat and see how things are going for you. Okay? That's okay. Not a problem at all. That's everything I needed to run through with you. But, yeah, let me know if there's anything you need, any questions you have. I'm more than happy to make time to have a chat. Okay? No worries. Thanks for your time today, Chloe. Have a great rest of your day. See you later. 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Chloe. It's Dana from Financial. How are you today? I'm very well. Thank you.\n\nThanks for asking. I had you booked in just to run through your updated advice document. Is now still a good time for you? Beautiful. I'm gonna send you a copy of the document via email as well.\n\nDo you have access to your emails at the moment? Yep. Beautiful. Lovely. I'll send that one through to you now.\n\nNow just to avoid jumping to the call moving forward, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that one, Chloe? Beautiful. And just to do security there with you as well, we are discussing your personal information. I'll just need to confirm your full name, your address, and date of birth I should have on file.\n\nYep. Yeah. Beautiful. Thank you so much for that one. Now I've sent the email through with the document there attached.\n\nJust are you able to confirm if it popped through to you as of yet? Beautiful. Lovely. So when you open that one there, you'll be able to review the document. I believe there is a button on the front that says sign.\n\nYou may have to click that button so you can kinda go through and review the document. They'll never ask you to sign anything that you haven't read through. It just allows you to move it up and down throughout the documents there. Okay. Beautiful.\n\nNow when you open that one up, you will see on the front page that a statement of advice has been prepared for yourself, Chloe, for us as of the seventh April twenty twenty six, prepared by myself and my lovely team here at OP Financial. My registered license number with ASDIC is 1304394. Okay. Beautiful. Now when you've got that one open, what I'll get you to do, just to make it nice and easy, you're welcome to go back and read you the document prior to signing it, but so as I'm not sort of going through all the different pages and making it a little bit over the top, if I can only get you to scroll down for me, it's just the page number 20, and we'll just go through the recommendations there for you.\n\nOkay. Beautiful. Lovely. Now this advice document has been limited to essentially superannuation and specifically the investments within your superannuation as the last time we sort touched base. One of your underlying investments had been underperforming a little bit, so we wanted to look at removing that one.\n\nAnd we did talk about maybe moving in and looking at the the late the SMA product, the separately managed account that we've been able to set up utilizing BlackRock as an investment manager as well. So, essentially, utilizing this SMA account allows you to have a bit more allows us to have a bit more control around what the investments are. So with the how the markets are at the moment with a lot of ups and downs and a bit of uncertainty there, we're able to maneuver the investment within that SMA account without having to update this this advice regularly, which allows us and the investment committee a bit more control around what you're invested in, making sure we can maneuver things depending on what market circumstances look like. Okay? Perfect.\n\nNow with this recommendation here, you'll see the current that shows where you currently are with your current balance and the current fees that you are in. With this one here, I have looked at the additional research. I've looked at just replacing one investment as well as the SMA. Because one of the things you wanted us to have was a bit more control around maneuvering and changing those investments depending on conditions, I am recommending that we do move you into that SMA product there. In order to do so, we're actually moving you changing the investment menu within Hub 24.\n\nSo you'll stay in Hub 24. We're just maneuvering in the back end of the tick box, and it changed these from the core sorry, from the choice product into what's called the core products. They have different investment menus and different products in the Hub 24. They have the lowest tier, which is the cheapest option discovery, then it goes core, then it goes choice, and choice is a higher level of menu, so it is a more expensive product to hold. By changing your underlying hub 24 menu to the core menu, we're actually gonna be making it cheaper in administration fees, and you'll see it's actually gonna save you about a $180 in admin fees, which is in which is really good.\n\nAlright? And by moving into the SMA as well as separately managed the account there, we're keeping you in that high growth environment. So not changing the asset allocation as such. You still have that high growth asset allocation, which is suited to your time horizon. But it's actually gonna save you an investment fees, and we estimate, having a look at this, about a $135 in investment fees.\n\nSo overall, it's a much cheaper product for you, and it saves you an investment fees, which is really important as well. Okay? Perfect. Now you will see at the top there, the difference is 1,883. That's essentially the CDT.\n\nSo because we are buy we are selling some investments, we are gonna, in fact, transfer as many as possible to limit the amount of CDT. But when we went back and completed the research, in order to move you into a separately managed account, We do know there are capital gains consequences. This is all covered by your super fund, not by yourself, but it's still important to make sure we limit those where possible. But we do estimate the CGT consequences for the change is about $1,883. Your super fund will cover that and deal with that.\n\nWe wanna make sure that once it's all completed, we'll keep reviewing the investments and keep reviewing your portfolio and everything with you as we are moving forward just to make sure that things are working harder, but we do want that to be made back as quickly as possible within the investment. Okay? Beautiful. Now I am really honest, and I will let you know when we look at the returns, the SMA has shown a little bit lesser of a return, so about 1.93% when we compare that to your current portfolio. Your current portfolio in the high growth environment over the last three years, according to the research, has averaged about 14.48%.\n\nHowever, you've actually not received that kind of return. So when I look at your super fund since inception, you've actually returned 24.9%, which when I averaged that over three years is about 8.3%. So I do like projections and returns to be taken with a grain of salt because I know you're not gonna get 14% every single year over the next twenty odd years towards retirement then. So this is just more about the the investments being in best interest. And the way that this makes the investments just for you is that moving to the estimate, as I said, it gives us a lot more control around maneuvering the investment there.\n\nIt is a much cheaper option for you as well. So saving fees generally helps to provide greater long term performance because you have more money invested there. So you will see on the next page, we have got a projection table there, and it does show that over the next ten years, if you were able to get the exact returns between these two portfolios, where we can see that return where we can see that sort of projected out to. However, as I mentioned, I take it with a grain of salt. Returns aren't the most important things for this document.\n\nWhat's important is making sure that we're meeting we're looking to meet your goals. You've still got twenty years ahead of you. It's still a long time when markets are changing and altering and reacting. And, I mean, when you sort of look at where we were last year, no one would have thought we were where we are this year. No one would have thought we'd have this fuel crisis or the the market ups and downs that we are seeing at the moment.\n\nSo I don't think anyone could have seen that coming, and who knows where we're gonna be next year as well. So at this point, I think we're all looking to see where we're gonna be in next month. So it's insane, isn't it? So, essentially, when I go back and do the research for you, this recommendation does work in your best interest. So helping you to save in fees, which can provide a greater long term benefit.\n\nWhen I look at how a high growth portfolio the environment is, we're sort of looking at to average around about eight to 10% return. So when I sort of look at the estimate, you are more likely to try and obtain more of a 12% return. I'm not guaranteeing that every year. But because we are sort of looking at how the estimate works and the fact that we can also invest this on a regular basis for you, you are probably more likely to be able to get something around that sort of return. I'd like you to get a much greater return each year.\n\nAnd we know some user might get a 25% return, a 20% return. Some user might only be a 3% return, and this year is gonna be a bit volatile, and I'd expect this year to see a a probably a lower rate of return than what we have in previous years. But if we make those changes now, you've got a lot more time on your side to be able to allow your portfolio to recover, to start growing, and to start compounding again. And then we'll just review things every year. If we find the estimate is not working in your benefit, then we can always look at other options to keep things working for you.\n\nDoes that make sense? Yeah. Beautiful. Beautiful. Another really good aspect of the estimate and why it does work in best interest for you is if you go to this one page above there for me.\n\nSo sorry. It's 19. Yeah. So this sort of shows you in that high growth environment, we normally like to see about a ninety ten split between growth and defensive assets there. So as of the moment with your current portfolio, you've got about 90.43% in growth investments.\n\nThose are more of those high risk investments where you're hoping to get a greater level of return and then about 9.57% in defense. It's the lower risk investments that generally that'll help smooth out long term market fluctuations a bit. They're more for cash producing. With the SMA, we're actually lowering the overall risk level, and it's one of the aspects and why we like to be able to use BlackRock BlackRock's investment team is we get access to the analysts in order to build these sorts of portfolios, and the analysts can help us to look at the amount of risk you're taking. So another really important aspect is you wanna be getting good returns, but you wanna try and mitigate as much risk as as humanly possible when it comes to market fluctuations and and the market over the longer term.\n\nSo with the proposed inside the SMA there, you're actually reducing your gross asset allocation to about 88.87%. We do allow for about a 10% variance in the in the gross and defensive asset allocation there. So the 88.87 is within that 10 variance, which is perfectly fine. It's actually reducing your risk in those growth investments, so reducing your risk in the portfolio overall, increasing some of those defensive assets to 11.13% to help lower the risk level, but still give you as good of return as we can obtain and making sure that the portfolio is working harder as well. Does that make sense?\n\nYeah. Do you have any questions so far at all? No? Beautiful. If you just go up to page number 17 there, you'll essentially see the difference.\n\nSo the portfolio that you're in currently and all the reds, that essentially shows that we'll be selling all of those investments. Essentially, in order to transfer into the SMA, we we tell Hub twenty four that we wanna sell everything and what we wanna buy, and they will, in the back end, go back and look at what you have owned for longer, try to sell things in a more tax effective way. But anything that's currently existing within the estimate product, they'll also try to in space the transfer over that mitigates as much of the tax consequences as possible for your super fund. But this essentially shows what you'll see when you look at your super fund once we've completed the change there, you'll actually see that you've got we've incorporated a mix of two of the SMA products to keep that $90.10 sort of split for you in a high growth environment. So you'll see about 33.3% of your funds in the catalyst SMA product and then about 66.67 in the bloom.\n\nSo this is what you'll actually see. And what we can do is every sort of quarter the investment committee meets, whenever they do make changes to the product, we do get change reports. So we can once those whenever there's a change within the estimate, we can always email you through those change reports. So unlike your portfolio at the moment, you won't see all the underlying investments because at the moment, you've got about eight or nine there. Once we move into the estimate product, you probably have about, you know, anywhere between 10 to 50 different investment options depending on what the markets require us to be invested in that particular point in time.\n\nSo you'll just see the bloom and the catalyst there with the amounts of money invested between those. And then if you would like me to, every time we see they let us know that there are some changes being made to the estimated products, then we can always send through change reports to you as well so you can kinda see what the underlying looks like for you at that particular time. Okay? Yep. That's okay.\n\nNot a problem at all. We always get notified, and we have a really lovely meeting. We just had one about a week ago oh, sorry. About two weeks ago, just to sort of have a look at where markets are going and what the changes look like. So if you like, I can even, after the call, send through a copy of that change report, and you're welcome to have a bit of a look at what the underlying sort of look like at the moment.\n\nOkay? Yeah. Excellent. With the advice documents there, as I mentioned, it is sort of just sort of scoped into the superannuation and the investments there. We are wanting to make sure that you're invested in a way that suits your investment goals, and we are working towards your retirement.\n\nSo, hopefully, being able to retire around about the age of 60 there, being in a SMA product does not take away the need for regular reviews. So at the moment, you've got a really good time horizon ahead of you. That high growth environment still does suit, but you might find, as you get closer to accessing super, that you don't wanna be in that kind of environment. Most people, when they're about eight years away, decide to pull back a little bit. But sometimes when you're about ten or even fifteen years away, some people still feel a bit more concerned and wanna kinda draw back a little bit.\n\nSo I do wanna still do regular reviews with you and just make sure things are working harder for you, give you an update on how the portfolio is working as well. I know we do regular yearly reviews, but did you maybe wanna see something a little bit more regular, maybe once every three months or six months moving forward? What's more preferable for yourself, Chloe? Yep. Yep.\n\nYeah. Not a problem at all. If you find that that changes and you want something a bit more regular, you're welcome to let me know. We've had some business changes as well. So I've sort of added you to my book individually, so I'll be the only adviser that you'll be able to you'll talk to just to kinda keep things smooth.\n\nI can keep it kind of in unison for you, and then you'll be able to contact my admin, Michelle, and she'll be able to she'll be the one that contacts you to do regular reviews and things like that. So after you've, yeah, I know Michelle contacted you to get your ID this morning. So, yeah, you'll be able to make sure you keep in contact with us, and we'll make sure we contact you whenever we need to just sort of touch base. And if you decide you want reviews more often or even an ad hoc call, it's all part of our services and what we're here to provide. So we just wanna make sure it's more consistent for you moving forward.\n\nOkay? Oh, that's okay. It's not a problem. It's been a pleasure. I've really enjoyed doing this research there for you.\n\nI just I'll let you go back and have a bit of a read of the document there. Feel free to let me know if you do happen to have any questions. We've got the insurance scoped into a limited scope only, so it's about just letting you know that there's no changes to the insurance recommendations there. I've only scoped them into a limited capacity just because it's the it affects the kind of the projections moving forward. Your insurance premiums are paid out of your super funds, and they do get accounted into that projection table.\n\nSo I do like to make sure that's accounted for and nice and clearly set out for you. We do have also the advantages, disadvantages, the risks involved, and any alternatives considered that notes in the documents. So you're welcome to run your eyes over those. Let me know if you happen to have any questions at all, and if you're happy to take on those recommendations and move into the estimate product to start with, knowing what we can review that and always move out if it doesn't work for you. I'll just get you to return that back at sign and return the document back for me.\n\nDoes that make sense? Yeah. Beautiful. Yeah. That's okay.\n\nThat's not a problem at all. I'll get I'll see if I can get a hold of that change report now from our investment committee, and I'll send it to you in the email. That way you've also got my email address, and you're welcome to keep that and send me any emails. You might have questions at a random time or even just, you know, contact me. Go, Dana.\n\nI need to have a bit of a catch up with you, and I'll make time to have a chat and see how things are going for you. Okay? That's okay. Not a problem at all. That's everything I needed to run through with you.\n\nBut, yeah, let me know if there's anything you need, any questions you have. I'm more than happy to make time to have a chat. Okay? No worries. Thanks for your time today, Chloe.\n\nHave a great rest of your day. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Chloe.","start":3.04,"end":3.84,"sentiment":"neutral","sentiment_score":0.14725061506032944},{"text":"It's Dana from Financial.","start":3.84,"end":4.98,"sentiment":"neutral","sentiment_score":0.17166372016072273},{"text":"How are you today?","start":5.52,"end":6.5,"sentiment":"neutral","sentiment_score":0.2847912833094597},{"text":"I'm very well.","start":9.04,"end":10.0,"sentiment":"positive","sentiment_score":0.6491227348645529},{"text":"Thank you.","start":10.0,"end":10.4,"sentiment":"positive","sentiment_score":0.7221789062023163}],"sentiment":"positive","sentiment_score":0.36746981739997864,"num_words":15,"start":3.04,"end":10.4},{"sentences":[{"text":"Thanks for asking.","start":10.4,"end":11.28,"sentiment":"positive","sentiment_score":0.7020298441251119},{"text":"I had you booked in just to run through your updated advice document.","start":11.28,"end":14.08,"sentiment":"neutral","sentiment_score":0.295487085214028},{"text":"Is now still a good time for you?","start":14.08,"end":15.975,"sentiment":"neutral","sentiment_score":0.25698961317539215},{"text":"Beautiful.","start":17.895,"end":18.395,"sentiment":"positive","sentiment_score":0.6096950173377991},{"text":"I'm gonna send you a copy of the document via email as well.","start":18.695,"end":21.895,"sentiment":"neutral","sentiment_score":0.3176785764785913}],"sentiment":"positive","sentiment_score":0.3353382909768506,"num_words":38,"start":10.4,"end":21.895},{"sentences":[{"text":"Do you have access to your emails at the moment?","start":21.895,"end":24.155,"sentiment":"neutral","sentiment_score":0.06500142198055983},{"text":"Yep.","start":25.975,"end":26.375,"sentiment":"neutral","sentiment_score":0.1535499393939972},{"text":"Beautiful.","start":26.375,"end":26.875,"sentiment":"positive","sentiment_score":0.594139814376831},{"text":"Lovely.","start":26.935001,"end":27.255001,"sentiment":"positive","sentiment_score":0.6411799192428589},{"text":"I'll send that one through to you now.","start":27.255001,"end":28.955,"sentiment":"positive","sentiment_score":0.4217509888112545}],"sentiment":"neutral","sentiment_score":0.25775675253853914,"num_words":21,"start":21.895,"end":28.955},{"sentences":[{"text":"Now just to avoid jumping to the call moving forward, just to let you know, we do record our calls for quality and training purposes.","start":29.49,"end":34.53,"sentiment":"neutral","sentiment_score":0.11272745728492736},{"text":"Are you happy for me to proceed with that one, Chloe?","start":34.53,"end":36.71,"sentiment":"neutral","sentiment_score":0.22632842578671195},{"text":"Beautiful.","start":38.45,"end":38.85,"sentiment":"positive","sentiment_score":0.43112796545028687},{"text":"And just to do security there with you as well, we are discussing your personal information.","start":38.85,"end":42.37,"sentiment":"neutral","sentiment_score":0.13608260452747345},{"text":"I'll just need to confirm your full name, your address, and date of birth I should have on file.","start":42.37,"end":46.385,"sentiment":"neutral","sentiment_score":0.0916246246350439}],"sentiment":"neutral","sentiment_score":0.13412661974628767,"num_words":72,"start":29.49,"end":46.385},{"sentences":[{"text":"Yep.","start":52.684998,"end":53.184998,"sentiment":"neutral","sentiment_score":0.03129326552152634},{"text":"Yeah.","start":57.579998,"end":58.079998,"sentiment":"neutral","sentiment_score":0.005295449402183294},{"text":"Beautiful.","start":59.82,"end":60.3,"sentiment":"positive","sentiment_score":0.4074401557445526},{"text":"Thank you so much for that one.","start":60.3,"end":62.16,"sentiment":"positive","sentiment_score":0.6506420033318656},{"text":"Now I've sent the email through with the document there attached.","start":62.699997,"end":65.74,"sentiment":"neutral","sentiment_score":0.22429671341722662}],"sentiment":"positive","sentiment_score":0.35551365436099114,"num_words":21,"start":52.684998,"end":65.74},{"sentences":[{"text":"Just are you able to confirm if it popped through to you as of yet?","start":65.74,"end":69.6,"sentiment":"neutral","sentiment_score":0.14696533183256785},{"text":"Beautiful.","start":71.744995,"end":72.244995,"sentiment":"positive","sentiment_score":0.4636048972606659},{"text":"Lovely.","start":72.625,"end":73.125,"sentiment":"positive","sentiment_score":0.4326475262641907},{"text":"So when you open that one there, you'll be able to review the document.","start":73.424995,"end":76.704994,"sentiment":"neutral","sentiment_score":0.23230694234371185},{"text":"I believe there is a button on the front that says sign.","start":76.704994,"end":79.505,"sentiment":"neutral","sentiment_score":0.07429581228643656}],"sentiment":"neutral","sentiment_score":0.16847858933168788,"num_words":43,"start":65.74,"end":79.505},{"sentences":[{"text":"You may have to click that button so you can kinda go through and review the document.","start":79.505,"end":83.685,"sentiment":"neutral","sentiment_score":0.1391934401848737},{"text":"They'll never ask you to sign anything that you haven't read through.","start":83.79,"end":86.43,"sentiment":"neutral","sentiment_score":0.1145032091687123},{"text":"It just allows you to move it up and down throughout the documents there.","start":86.43,"end":89.63,"sentiment":"neutral","sentiment_score":0.20793962478637695},{"text":"Okay.","start":89.63,"end":90.13,"sentiment":"neutral","sentiment_score":0.1157168075442314},{"text":"Beautiful.","start":91.47,"end":91.97,"sentiment":"neutral","sentiment_score":0.01147995050996542}],"sentiment":"neutral","sentiment_score":0.1506372999606861,"num_words":45,"start":79.505,"end":91.97},{"sentences":[{"text":"Now when you open that one up, you will see on the front page that a statement of advice has been prepared for yourself, Chloe, for us as of the seventh April twenty twenty six, prepared by myself and my lovely team here at OP Financial.","start":92.67,"end":104.425,"sentiment":"neutral","sentiment_score":0.06827615428230037},{"text":"My registered license number with ASDIC is 1304394.","start":104.965,"end":109.225,"sentiment":"neutral","sentiment_score":0.04118767799809575},{"text":"Okay.","start":109.284996,"end":109.784996,"sentiment":"neutral","sentiment_score":0.17819911241531372},{"text":"Beautiful.","start":111.284996,"end":111.784996,"sentiment":"positive","sentiment_score":0.6183573007583618},{"text":"Now when you've got that one open, what I'll get you to do, just to make it nice and easy, you're welcome to go back and read you the document prior to signing it, but so as I'm not sort of going through all the different pages and making it a little bit over the top, if I can only get you to scroll down for me, it's just the page number 20, and we'll just go through the recommendations there for you.","start":113.25,"end":132.795,"sentiment":"neutral","sentiment_score":0.1016239828755518}],"sentiment":"neutral","sentiment_score":0.0913780684375184,"num_words":139,"start":92.67,"end":132.795},{"sentences":[{"text":"Okay.","start":132.795,"end":133.295,"sentiment":"neutral","sentiment_score":0.06974688172340393},{"text":"Beautiful.","start":134.395,"end":134.895,"sentiment":"positive","sentiment_score":0.646842360496521},{"text":"Lovely.","start":135.195,"end":135.675,"sentiment":"positive","sentiment_score":0.5903245210647583},{"text":"Now this advice document has been limited to essentially superannuation and specifically the investments within your superannuation as the last time we sort touched base.","start":135.675,"end":144.26001,"sentiment":"neutral","sentiment_score":-0.054806135073304174},{"text":"One of your underlying investments had been underperforming a little bit, so we wanted to look at removing that one.","start":144.40001,"end":149.78,"sentiment":"neutral","sentiment_score":-0.23132172226905823}],"sentiment":"neutral","sentiment_score":-0.09770154289435595,"num_words":48,"start":132.795,"end":149.78},{"sentences":[{"text":"And we did talk about maybe moving in and looking at the the late the SMA product, the separately managed account that we've been able to set up utilizing BlackRock as an investment manager as well.","start":150.0,"end":159.825,"sentiment":"neutral","sentiment_score":0.004210092877555225},{"text":"So, essentially, utilizing this SMA account allows you to have a bit more allows us to have a bit more control around what the investments are.","start":159.825,"end":168.865,"sentiment":"neutral","sentiment_score":0.1318470691688932},{"text":"So with the how the markets are at the moment with a lot of ups and downs and a bit of uncertainty there, we're able to maneuver the investment within that SMA account without having to update this this advice regularly, which allows us and the investment committee a bit more control around what you're invested in, making sure we can maneuver things depending on what market circumstances look like.","start":168.865,"end":189.255,"sentiment":"neutral","sentiment_score":0.14091273386563574},{"text":"Okay?","start":189.255,"end":189.755,"sentiment":"neutral","sentiment_score":0.04931113123893738},{"text":"Perfect.","start":191.575,"end":192.075,"sentiment":"positive","sentiment_score":0.43370521068573}],"sentiment":"neutral","sentiment_score":0.10392906607837597,"num_words":134,"start":150.0,"end":192.075},{"sentences":[{"text":"Now with this recommendation here, you'll see the current that shows where you currently are with your current balance and the current fees that you are in.","start":192.215,"end":199.58,"sentiment":"neutral","sentiment_score":0.12153840313355128},{"text":"With this one here, I have looked at the additional research.","start":199.72,"end":202.12001,"sentiment":"neutral","sentiment_score":0.038995198820802296},{"text":"I've looked at just replacing one investment as well as the SMA.","start":202.12001,"end":205.34001,"sentiment":"neutral","sentiment_score":0.07573219606031974},{"text":"Because one of the things you wanted us to have was a bit more control around maneuvering and changing those investments depending on conditions, I am recommending that we do move you into that SMA product there.","start":205.8,"end":215.935,"sentiment":"neutral","sentiment_score":0.1636692370111878},{"text":"In order to do so, we're actually moving you changing the investment menu within Hub 24.","start":217.275,"end":222.795,"sentiment":"neutral","sentiment_score":0.2125674095004797}],"sentiment":"neutral","sentiment_score":0.1366612693765065,"num_words":103,"start":192.215,"end":222.795},{"sentences":[{"text":"So you'll stay in Hub 24.","start":222.795,"end":224.875,"sentiment":"neutral","sentiment_score":0.14978823065757751},{"text":"We're just maneuvering in the back end of the tick box, and it changed these from the core sorry, from the choice product into what's called the core products.","start":224.875,"end":232.53,"sentiment":"neutral","sentiment_score":0.13518139090517473},{"text":"They have different investment menus and different products in the Hub 24.","start":232.53,"end":236.23001,"sentiment":"neutral","sentiment_score":0.06803747406229377},{"text":"They have the lowest tier, which is the cheapest option discovery, then it goes core, then it goes choice, and choice is a higher level of menu, so it is a more expensive product to hold.","start":236.29001,"end":246.165,"sentiment":"neutral","sentiment_score":0.10356387651214997},{"text":"By changing your underlying hub 24 menu to the core menu, we're actually gonna be making it cheaper in administration fees, and you'll see it's actually gonna save you about a $180 in admin fees, which is in which is really good.","start":246.70499,"end":259.28,"sentiment":"positive","sentiment_score":0.38475545886017026}],"sentiment":"neutral","sentiment_score":0.20418774588406086,"num_words":125,"start":222.795,"end":259.28},{"sentences":[{"text":"Alright?","start":259.34,"end":259.84,"sentiment":"neutral","sentiment_score":0.2982087731361389},{"text":"And by moving into the SMA as well as separately managed the account there, we're keeping you in that high growth environment.","start":260.7,"end":266.56,"sentiment":"positive","sentiment_score":0.3908704587004401},{"text":"So not changing the asset allocation as such.","start":266.62,"end":268.94,"sentiment":"neutral","sentiment_score":0.2068661767989397},{"text":"You still have that high growth asset allocation, which is suited to your time horizon.","start":268.94,"end":273.295,"sentiment":"positive","sentiment_score":0.3618694086869558},{"text":"But it's actually gonna save you an investment fees, and we estimate, having a look at this, about a $135 in investment fees.","start":274.395,"end":280.95502,"sentiment":"positive","sentiment_score":0.46284696330194885}],"sentiment":"positive","sentiment_score":0.38588129804618115,"num_words":69,"start":259.34,"end":280.95502},{"sentences":[{"text":"So overall, it's a much cheaper product for you, and it saves you an investment fees, which is really important as well.","start":280.95502,"end":287.15002,"sentiment":"positive","sentiment_score":0.6194319874048233},{"text":"Okay?","start":287.15002,"end":287.65002,"sentiment":"neutral","sentiment_score":0.3069862127304077},{"text":"Perfect.","start":288.75,"end":289.25,"sentiment":"positive","sentiment_score":0.42280006408691406},{"text":"Now you will see at the top there, the difference is 1,883.","start":290.11002,"end":294.37003,"sentiment":"neutral","sentiment_score":0.10090929176658392},{"text":"That's essentially the CDT.","start":294.59003,"end":295.965,"sentiment":"neutral","sentiment_score":0.03325613960623741}],"sentiment":"positive","sentiment_score":0.39253065148368477,"num_words":40,"start":280.95502,"end":295.965},{"sentences":[{"text":"So because we are buy we are selling some investments, we are gonna, in fact, transfer as many as possible to limit the amount of CDT.","start":296.205,"end":303.345,"sentiment":"neutral","sentiment_score":0.05712131554117569},{"text":"But when we went back and completed the research, in order to move you into a separately managed account, We do know there are capital gains consequences.","start":303.965,"end":311.13,"sentiment":"neutral","sentiment_score":-0.04584095813333988},{"text":"This is all covered by your super fund, not by yourself, but it's still important to make sure we limit those where possible.","start":311.27002,"end":317.45,"sentiment":"neutral","sentiment_score":-0.1550842180200245},{"text":"But we do estimate the CGT consequences for the change is about $1,883.","start":318.07,"end":323.85,"sentiment":"neutral","sentiment_score":-0.02565310909771002},{"text":"Your super fund will cover that and deal with that.","start":324.215,"end":326.455,"sentiment":"neutral","sentiment_score":0.04271735027432442}],"sentiment":"neutral","sentiment_score":-0.03258389490421372,"num_words":99,"start":296.205,"end":326.455},{"sentences":[{"text":"We wanna make sure that once it's all completed, we'll keep reviewing the investments and keep reviewing your portfolio and everything with you as we are moving forward just to make sure that things are working harder, but we do want that to be made back as quickly as possible within the investment.","start":326.455,"end":341.80002,"sentiment":"neutral","sentiment_score":0.06836089836257808},{"text":"Okay?","start":342.1,"end":342.6,"sentiment":"neutral","sentiment_score":0.13797791302204132},{"text":"Beautiful.","start":344.58002,"end":345.08002,"sentiment":"positive","sentiment_score":0.6641005277633667},{"text":"Now I am really honest, and I will let you know when we look at the returns, the SMA has shown a little bit lesser of a return, so about 1.93% when we compare that to your current portfolio.","start":345.46002,"end":357.525,"sentiment":"neutral","sentiment_score":-0.0049046269403054165},{"text":"Your current portfolio in the high growth environment over the last three years, according to the research, has averaged about 14.48%.","start":357.905,"end":365.125,"sentiment":"neutral","sentiment_score":0.051333437185911907}],"sentiment":"neutral","sentiment_score":0.04619067638464596,"num_words":115,"start":326.455,"end":365.125},{"sentences":[{"text":"However, you've actually not received that kind of return.","start":365.48,"end":368.2,"sentiment":"neutral","sentiment_score":-0.284024345378081},{"text":"So when I look at your super fund since inception, you've actually returned 24.9%, which when I averaged that over three years is about 8.3%.","start":368.2,"end":378.78,"sentiment":"neutral","sentiment_score":0.026679476909339427},{"text":"So I do like projections and returns to be taken with a grain of salt because I know you're not gonna get 14% every single year over the next twenty odd years towards retirement then.","start":378.84,"end":389.10498,"sentiment":"neutral","sentiment_score":-0.08567676097154617},{"text":"So this is just more about the the investments being in best interest.","start":389.885,"end":394.05002,"sentiment":"neutral","sentiment_score":0.3062676363266431},{"text":"And the way that this makes the investments just for you is that moving to the estimate, as I said, it gives us a lot more control around maneuvering the investment there.","start":394.05002,"end":402.23,"sentiment":"positive","sentiment_score":0.4286646284162998}],"sentiment":"neutral","sentiment_score":0.11237568913942628,"num_words":114,"start":365.48,"end":402.23},{"sentences":[{"text":"It is a much cheaper option for you as well.","start":402.37003,"end":404.61002,"sentiment":"positive","sentiment_score":0.5811012566089631},{"text":"So saving fees generally helps to provide greater long term performance because you have more money invested there.","start":404.61002,"end":411.05502,"sentiment":"positive","sentiment_score":0.5131286159157753},{"text":"So you will see on the next page, we have got a projection table there, and it does show that over the next ten years, if you were able to get the exact returns between these two portfolios, where we can see that return where we can see that sort of projected out to.","start":411.05502,"end":426.54,"sentiment":"neutral","sentiment_score":0.13928221076450967},{"text":"However, as I mentioned, I take it with a grain of salt.","start":426.54,"end":429.26,"sentiment":"neutral","sentiment_score":0.006834995622436206},{"text":"Returns aren't the most important things for this document.","start":429.26,"end":432.4,"sentiment":"neutral","sentiment_score":0.02638196779621972}],"sentiment":"neutral","sentiment_score":0.22221383195623612,"num_words":103,"start":402.37003,"end":432.4},{"sentences":[{"text":"What's important is making sure that we're meeting we're looking to meet your goals.","start":432.63498,"end":436.395,"sentiment":"neutral","sentiment_score":0.30641569729362217},{"text":"You've still got twenty years ahead of you.","start":436.395,"end":438.555,"sentiment":"neutral","sentiment_score":-0.013212543912231922},{"text":"It's still a long time when markets are changing and altering and reacting.","start":438.555,"end":442.79498,"sentiment":"neutral","sentiment_score":-0.11190417007758068},{"text":"And, I mean, when you sort of look at where we were last year, no one would have thought we were where we are this year.","start":442.79498,"end":448.335,"sentiment":"neutral","sentiment_score":-0.2127483793749259},{"text":"No one would have thought we'd have this fuel crisis or the the market ups and downs that we are seeing at the moment.","start":448.53,"end":453.83,"sentiment":"negative","sentiment_score":-0.38083815202116966}],"sentiment":"neutral","sentiment_score":-0.14049656838178634,"num_words":85,"start":432.63498,"end":453.83},{"sentences":[{"text":"So I don't think anyone could have seen that coming, and who knows where we're gonna be next year as well.","start":453.88998,"end":460.45,"sentiment":"neutral","sentiment_score":-0.21056064111845835},{"text":"So at this point, I think we're all looking to see where we're gonna be in next month.","start":460.45,"end":465.405,"sentiment":"neutral","sentiment_score":-0.0208275250883566},{"text":"So it's insane, isn't it?","start":466.625,"end":471.76498,"sentiment":"neutral","sentiment_score":-0.2966054558753967},{"text":"So, essentially, when I go back and do the research for you, this recommendation does work in your best interest.","start":472.385,"end":477.665,"sentiment":"neutral","sentiment_score":0.19912555441260338},{"text":"So helping you to save in fees, which can provide a greater long term benefit.","start":477.665,"end":481.44,"sentiment":"positive","sentiment_score":0.35110780199368796}],"sentiment":"neutral","sentiment_score":0.037587745869650115,"num_words":79,"start":453.88998,"end":481.44},{"sentences":[{"text":"When I look at how a high growth portfolio the environment is, we're sort of looking at to average around about eight to 10% return.","start":481.9,"end":489.12,"sentiment":"neutral","sentiment_score":0.13006232500076295},{"text":"So when I sort of look at the estimate, you are more likely to try and obtain more of a 12% return.","start":489.18,"end":494.63498,"sentiment":"neutral","sentiment_score":0.1778099997477098},{"text":"I'm not guaranteeing that every year.","start":494.63498,"end":496.63498,"sentiment":"neutral","sentiment_score":-0.06453632625440757},{"text":"But because we are sort of looking at how the estimate works and the fact that we can also invest this on a regular basis for you, you are probably more likely to be able to get something around that sort of return.","start":496.63498,"end":507.615,"sentiment":"neutral","sentiment_score":0.13766507388547408},{"text":"I'd like you to get a much greater return each year.","start":507.91998,"end":510.48,"sentiment":"neutral","sentiment_score":0.30666701173917815}],"sentiment":"neutral","sentiment_score":0.1501784623191457,"num_words":107,"start":481.9,"end":510.48},{"sentences":[{"text":"And we know some user might get a 25% return, a 20% return.","start":510.48,"end":514.32,"sentiment":"neutral","sentiment_score":0.25058815341729385},{"text":"Some user might only be a 3% return, and this year is gonna be a bit volatile, and I'd expect this year to see a a probably a lower rate of return than what we have in previous years.","start":514.32,"end":524.52496,"sentiment":"neutral","sentiment_score":0.035058750556065485},{"text":"But if we make those changes now, you've got a lot more time on your side to be able to allow your portfolio to recover, to start growing, and to start compounding again.","start":524.745,"end":534.20496,"sentiment":"neutral","sentiment_score":0.20924935760823163},{"text":"And then we'll just review things every year.","start":534.505,"end":536.6,"sentiment":"neutral","sentiment_score":0.10140313021838665},{"text":"If we find the estimate is not working in your benefit, then we can always look at other options to keep things working for you.","start":536.6,"end":543.08,"sentiment":"neutral","sentiment_score":0.10872392475605011}],"sentiment":"neutral","sentiment_score":0.12762279006636748,"num_words":118,"start":510.48,"end":543.08},{"sentences":[{"text":"Does that make sense?","start":543.08,"end":544.3,"sentiment":"neutral","sentiment_score":0.15798956528306007},{"text":"Yeah.","start":545.08,"end":545.58,"sentiment":"neutral","sentiment_score":0.2788393497467041},{"text":"Beautiful.","start":546.27997,"end":546.77997,"sentiment":"positive","sentiment_score":0.6497827768325806},{"text":"Beautiful.","start":547.0,"end":547.5,"sentiment":"positive","sentiment_score":0.6066623330116272},{"text":"Another really good aspect of the estimate and why it does work in best interest for you is if you go to this one page above there for me.","start":548.525,"end":555.265,"sentiment":"positive","sentiment_score":0.41245126724243164}],"sentiment":"positive","sentiment_score":0.39245359640982413,"num_words":36,"start":543.08,"end":555.265},{"sentences":[{"text":"So sorry.","start":557.645,"end":558.125,"sentiment":"neutral","sentiment_score":-0.02544701099395752},{"text":"It's 19.","start":558.125,"end":558.945,"sentiment":"neutral","sentiment_score":-0.001070026308298111},{"text":"Yeah.","start":559.16504,"end":559.66504,"sentiment":"neutral","sentiment_score":0.035641446709632874},{"text":"So this sort of shows you in that high growth environment, we normally like to see about a ninety ten split between growth and defensive assets there.","start":561.39,"end":568.43,"sentiment":"neutral","sentiment_score":0.10868020631648877},{"text":"So as of the moment with your current portfolio, you've got about 90.43% in growth investments.","start":568.43,"end":573.81,"sentiment":"neutral","sentiment_score":0.13554689893499017}],"sentiment":"neutral","sentiment_score":0.10595256928354502,"num_words":48,"start":557.645,"end":573.81},{"sentences":[{"text":"Those are more of those high risk investments where you're hoping to get a greater level of return and then about 9.57% in defense.","start":574.13495,"end":581.415,"sentiment":"neutral","sentiment_score":0.17053045549740395},{"text":"It's the lower risk investments that generally that'll help smooth out long term market fluctuations a bit.","start":581.415,"end":587.255,"sentiment":"neutral","sentiment_score":0.24844085468965418},{"text":"They're more for cash producing.","start":587.255,"end":588.795,"sentiment":"neutral","sentiment_score":0.25273912847042085},{"text":"With the SMA, we're actually lowering the overall risk level, and it's one of the aspects and why we like to be able to use BlackRock BlackRock's investment team is we get access to the analysts in order to build these sorts of portfolios, and the analysts can help us to look at the amount of risk you're taking.","start":589.82996,"end":605.415,"sentiment":"neutral","sentiment_score":0.23017623367072162},{"text":"So another really important aspect is you wanna be getting good returns, but you wanna try and mitigate as much risk as as humanly possible when it comes to market fluctuations and and the market over the longer term.","start":605.415,"end":616.95,"sentiment":"positive","sentiment_score":0.3377765443844673}],"sentiment":"neutral","sentiment_score":0.252316695288755,"num_words":144,"start":574.13495,"end":616.95},{"sentences":[{"text":"So with the proposed inside the SMA there, you're actually reducing your gross asset allocation to about 88.87%.","start":617.19,"end":624.57,"sentiment":"positive","sentiment_score":0.42553315228886074},{"text":"We do allow for about a 10% variance in the in the gross and defensive asset allocation there.","start":625.03,"end":631.455,"sentiment":"positive","sentiment_score":0.34293509605858064},{"text":"So the 88.87 is within that 10 variance, which is perfectly fine.","start":631.53503,"end":635.695,"sentiment":"positive","sentiment_score":0.5506056547164917},{"text":"It's actually reducing your risk in those growth investments, so reducing your risk in the portfolio overall, increasing some of those defensive assets to 11.13% to help lower the risk level, but still give you as good of return as we can obtain and making sure that the portfolio is working harder as well.","start":635.695,"end":652.94,"sentiment":"positive","sentiment_score":0.63137989629198},{"text":"Does that make sense?","start":652.94,"end":654.0,"sentiment":"neutral","sentiment_score":0.2478737011551857}],"sentiment":"positive","sentiment_score":0.5238274106720708,"num_words":106,"start":617.19,"end":654.0},{"sentences":[{"text":"Yeah.","start":655.02,"end":655.52,"sentiment":"neutral","sentiment_score":0.11264115571975708},{"text":"Do you have any questions so far at all?","start":655.66,"end":658.24,"sentiment":"neutral","sentiment_score":0.06152095107568635},{"text":"No?","start":659.935,"end":660.435,"sentiment":"neutral","sentiment_score":0.03915589302778244},{"text":"Beautiful.","start":660.655,"end":661.155,"sentiment":"positive","sentiment_score":0.3389618694782257},{"text":"If you just go up to page number 17 there, you'll essentially see the difference.","start":661.855,"end":667.775,"sentiment":"neutral","sentiment_score":0.13712142954270046}],"sentiment":"neutral","sentiment_score":0.11486181189064626,"num_words":27,"start":655.02,"end":667.775},{"sentences":[{"text":"So the portfolio that you're in currently and all the reds, that essentially shows that we'll be selling all of those investments.","start":667.775,"end":673.93,"sentiment":"neutral","sentiment_score":0.11120750822804192},{"text":"Essentially, in order to transfer into the SMA, we we tell Hub twenty four that we wanna sell everything and what we wanna buy, and they will, in the back end, go back and look at what you have owned for longer, try to sell things in a more tax effective way.","start":674.07,"end":686.875,"sentiment":"neutral","sentiment_score":0.1437971586218247},{"text":"But anything that's currently existing within the estimate product, they'll also try to in space the transfer over that mitigates as much of the tax consequences as possible for your super fund.","start":686.875,"end":696.33496,"sentiment":"neutral","sentiment_score":0.17465440626256168},{"text":"But this essentially shows what you'll see when you look at your super fund once we've completed the change there, you'll actually see that you've got we've incorporated a mix of two of the SMA products to keep that $90.10 sort of split for you in a high growth environment.","start":696.795,"end":712.39,"sentiment":"neutral","sentiment_score":0.26044642835855486},{"text":"So you'll see about 33.3% of your funds in the catalyst SMA product and then about 66.67 in the bloom.","start":713.01,"end":722.15497,"sentiment":"neutral","sentiment_score":0.21118055023252963}],"sentiment":"neutral","sentiment_score":0.18613006166097792,"num_words":176,"start":667.775,"end":722.15497},{"sentences":[{"text":"So this is what you'll actually see.","start":722.45496,"end":724.475,"sentiment":"neutral","sentiment_score":0.021334594514753138},{"text":"And what we can do is every sort of quarter the investment committee meets, whenever they do make changes to the product, we do get change reports.","start":724.615,"end":732.075,"sentiment":"neutral","sentiment_score":0.0392746159599887},{"text":"So we can once those whenever there's a change within the estimate, we can always email you through those change reports.","start":732.47003,"end":738.95,"sentiment":"neutral","sentiment_score":0.047984657188256584},{"text":"So unlike your portfolio at the moment, you won't see all the underlying investments because at the moment, you've got about eight or nine there.","start":738.95,"end":745.725,"sentiment":"neutral","sentiment_score":-0.023539016582071783},{"text":"Once we move into the estimate product, you probably have about, you know, anywhere between 10 to 50 different investment options depending on what the markets require us to be invested in that particular point in time.","start":746.125,"end":757.26495,"sentiment":"neutral","sentiment_score":0.025630603015825554}],"sentiment":"neutral","sentiment_score":0.022028132397522274,"num_words":117,"start":722.45496,"end":757.26495},{"sentences":[{"text":"So you'll just see the bloom and the catalyst there with the amounts of money invested between those.","start":757.40497,"end":762.48,"sentiment":"neutral","sentiment_score":0.06125063304271963},{"text":"And then if you would like me to, every time we see they let us know that there are some changes being made to the estimated products, then we can always send through change reports to you as well so you can kinda see what the underlying looks like for you at that particular time.","start":762.48,"end":776.1,"sentiment":"neutral","sentiment_score":0.05879971791397442},{"text":"Okay?","start":776.16,"end":776.66,"sentiment":"neutral","sentiment_score":0.06582285463809967},{"text":"Yep.","start":778.09503,"end":778.575,"sentiment":"neutral","sentiment_score":0.21319782733917236},{"text":"That's okay.","start":778.575,"end":779.29504,"sentiment":"neutral","sentiment_score":0.2322731912136078}],"sentiment":"neutral","sentiment_score":0.06597484343431213,"num_words":77,"start":757.40497,"end":779.29504},{"sentences":[{"text":"Not a problem at all.","start":779.29504,"end":780.495,"sentiment":"positive","sentiment_score":0.34900460243225095},{"text":"We always get notified, and we have a really lovely meeting.","start":780.495,"end":783.29504,"sentiment":"positive","sentiment_score":0.5976990244605325},{"text":"We just had one about a week ago oh, sorry.","start":783.29504,"end":786.015,"sentiment":"neutral","sentiment_score":0.2619439743459225},{"text":"About two weeks ago, just to sort of have a look at where markets are going and what the changes look like.","start":786.015,"end":791.215,"sentiment":"neutral","sentiment_score":0.17246614294973286},{"text":"So if you like, I can even, after the call, send through a copy of that change report, and you're welcome to have a bit of a look at what the underlying sort of look like at the moment.","start":791.215,"end":800.46,"sentiment":"neutral","sentiment_score":0.2371649973285504}],"sentiment":"neutral","sentiment_score":0.275664851326367,"num_words":87,"start":779.29504,"end":800.46},{"sentences":[{"text":"Okay?","start":800.76,"end":801.26,"sentiment":"neutral","sentiment_score":0.1957119107246399},{"text":"Yeah.","start":803.0,"end":803.48004,"sentiment":"positive","sentiment_score":0.49591225385665894},{"text":"Excellent.","start":803.48004,"end":803.98004,"sentiment":"positive","sentiment_score":0.6425288915634155},{"text":"With the advice documents there, as I mentioned, it is sort of just sort of scoped into the superannuation and the investments there.","start":805.325,"end":812.04504,"sentiment":"neutral","sentiment_score":0.23323824483415354},{"text":"We are wanting to make sure that you're invested in a way that suits your investment goals, and we are working towards your retirement.","start":812.04504,"end":818.705,"sentiment":"positive","sentiment_score":0.3553538800527652}],"sentiment":"neutral","sentiment_score":0.30454251617193223,"num_words":50,"start":800.76,"end":818.705},{"sentences":[{"text":"So, hopefully, being able to retire around about the age of 60 there, being in a SMA product does not take away the need for regular reviews.","start":818.84503,"end":826.7,"sentiment":"neutral","sentiment_score":0.2263977778730569},{"text":"So at the moment, you've got a really good time horizon ahead of you.","start":826.7,"end":830.46,"sentiment":"positive","sentiment_score":0.37251653309379307},{"text":"That high growth environment still does suit, but you might find, as you get closer to accessing super, that you don't wanna be in that kind of environment.","start":830.46,"end":838.425,"sentiment":"neutral","sentiment_score":0.09558994765393436},{"text":"Most people, when they're about eight years away, decide to pull back a little bit.","start":838.885,"end":843.285,"sentiment":"neutral","sentiment_score":-0.0702219723413388},{"text":"But sometimes when you're about ten or even fifteen years away, some people still feel a bit more concerned and wanna kinda draw back a little bit.","start":843.285,"end":849.9,"sentiment":"neutral","sentiment_score":-0.23418357609598725}],"sentiment":"neutral","sentiment_score":0.05971354829264922,"num_words":111,"start":818.84503,"end":849.9},{"sentences":[{"text":"So I do wanna still do regular reviews with you and just make sure things are working harder for you, give you an update on how the portfolio is working as well.","start":849.98004,"end":859.76,"sentiment":"neutral","sentiment_score":0.2844735812395811},{"text":"I know we do regular yearly reviews, but did you maybe wanna see something a little bit more regular, maybe once every three months or six months moving forward?","start":860.14,"end":867.955,"sentiment":"neutral","sentiment_score":0.05241002688377068},{"text":"What's more preferable for yourself, Chloe?","start":867.955,"end":870.455,"sentiment":"neutral","sentiment_score":0.03580217839529117},{"text":"Yep.","start":873.075,"end":873.575,"sentiment":"neutral","sentiment_score":0.143602654337883},{"text":"Yep.","start":874.275,"end":874.775,"sentiment":"neutral","sentiment_score":0.04472837969660759}],"sentiment":"neutral","sentiment_score":0.15979984758988672,"num_words":69,"start":849.98004,"end":874.775},{"sentences":[{"text":"Yeah.","start":878.53,"end":879.03,"sentiment":"neutral","sentiment_score":0.10249578952789308},{"text":"Not a problem at all.","start":879.89,"end":881.01,"sentiment":"neutral","sentiment_score":0.23747673332691194},{"text":"If you find that that changes and you want something a bit more regular, you're welcome to let me know.","start":881.01,"end":885.75,"sentiment":"neutral","sentiment_score":0.2606086149811745},{"text":"We've had some business changes as well.","start":885.97003,"end":887.89,"sentiment":"neutral","sentiment_score":0.2128474542072841},{"text":"So I've sort of added you to my book individually, so I'll be the only adviser that you'll be able to you'll talk to just to kinda keep things smooth.","start":887.89,"end":896.055,"sentiment":"neutral","sentiment_score":0.2656761606534322}],"sentiment":"neutral","sentiment_score":0.253369345314919,"num_words":63,"start":878.53,"end":896.055},{"sentences":[{"text":"I can keep it kind of in unison for you, and then you'll be able to contact my admin, Michelle, and she'll be able to she'll be the one that contacts you to do regular reviews and things like that.","start":896.055,"end":905.73505,"sentiment":"neutral","sentiment_score":0.27849060371518136},{"text":"So after you've, yeah, I know Michelle contacted you to get your ID this morning.","start":905.73505,"end":911.1,"sentiment":"neutral","sentiment_score":0.2909502287705739},{"text":"So, yeah, you'll be able to make sure you keep in contact with us, and we'll make sure we contact you whenever we need to just sort of touch base.","start":911.8,"end":918.44,"sentiment":"neutral","sentiment_score":0.271110990891854},{"text":"And if you decide you want reviews more often or even an ad hoc call, it's all part of our services and what we're here to provide.","start":918.44,"end":925.305,"sentiment":"neutral","sentiment_score":0.1430207822057936},{"text":"So we just wanna make sure it's more consistent for you moving forward.","start":925.305,"end":928.76495,"sentiment":"neutral","sentiment_score":0.20949728328448075}],"sentiment":"neutral","sentiment_score":0.24177786487340927,"num_words":125,"start":896.055,"end":928.76495},{"sentences":[{"text":"Okay?","start":928.90497,"end":929.40497,"sentiment":"neutral","sentiment_score":0.15919023752212524},{"text":"Oh, that's okay.","start":930.985,"end":931.945,"sentiment":"positive","sentiment_score":0.35560648639996845},{"text":"It's not a problem.","start":931.945,"end":932.82495,"sentiment":"positive","sentiment_score":0.5844891220331192},{"text":"It's been a pleasure.","start":932.82495,"end":933.625,"sentiment":"positive","sentiment_score":0.8323104083538055},{"text":"I've really enjoyed doing this research there for you.","start":933.625,"end":936.06,"sentiment":"positive","sentiment_score":0.8509473337067498}],"sentiment":"positive","sentiment_score":0.6929397057919275,"num_words":21,"start":928.90497,"end":936.06},{"sentences":[{"text":"I just I'll let you go back and have a bit of a read of the document there.","start":936.7,"end":939.98,"sentiment":"positive","sentiment_score":0.4075820942719777},{"text":"Feel free to let me know if you do happen to have any questions.","start":939.98,"end":942.72,"sentiment":"neutral","sentiment_score":0.30996218004396986},{"text":"We've got the insurance scoped into a limited scope only, so it's about just letting you know that there's no changes to the insurance recommendations there.","start":943.34,"end":951.27997,"sentiment":"neutral","sentiment_score":0.14064985427718896},{"text":"I've only scoped them into a limited capacity just because it's the it affects the kind of the projections moving forward.","start":951.44495,"end":957.76495,"sentiment":"neutral","sentiment_score":0.07431526056357793},{"text":"Your insurance premiums are paid out of your super funds, and they do get accounted into that projection table.","start":957.76495,"end":964.08496,"sentiment":"neutral","sentiment_score":0.1149580686500198}],"sentiment":"neutral","sentiment_score":0.19467008372350614,"num_words":98,"start":936.7,"end":964.08496},{"sentences":[{"text":"So I do like to make sure that's accounted for and nice and clearly set out for you.","start":964.08496,"end":968.88,"sentiment":"positive","sentiment_score":0.36982641783025527},{"text":"We do have also the advantages, disadvantages, the risks involved, and any alternatives considered that notes in the documents.","start":969.26,"end":975.9,"sentiment":"neutral","sentiment_score":0.07471677278609652},{"text":"So you're welcome to run your eyes over those.","start":975.9,"end":977.74,"sentiment":"neutral","sentiment_score":0.22669612533516353},{"text":"Let me know if you happen to have any questions at all, and if you're happy to take on those recommendations and move into the estimate product to start with, knowing what we can review that and always move out if it doesn't work for you.","start":977.74,"end":990.435,"sentiment":"neutral","sentiment_score":0.1384375406348187},{"text":"I'll just get you to return that back at sign and return the document back for 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all.","start":1002.3,"end":1003.9,"sentiment":"neutral","sentiment_score":0.27156682560841244},{"text":"I'll get I'll see if I can get a hold of that change report now from our investment committee, and I'll send it to you in the email.","start":1003.9,"end":1009.26,"sentiment":"neutral","sentiment_score":0.19802894203790597},{"text":"That way you've also got my email address, and you're welcome to keep that and send me any emails.","start":1009.26,"end":1014.04504,"sentiment":"positive","sentiment_score":0.41888891395769623},{"text":"You might have questions at a random time or even just, you know, contact me.","start":1014.04504,"end":1017.80505,"sentiment":"neutral","sentiment_score":0.2339670012394587},{"text":"Go, Dana.","start":1017.80505,"end":1018.205,"sentiment":"neutral","sentiment_score":0.31545795500278473}],"sentiment":"neutral","sentiment_score":0.2753360232072217,"num_words":70,"start":1002.3,"end":1018.205},{"sentences":[{"text":"I need to have a bit of a catch up with you, and I'll make time to have a chat and see how things are going for you.","start":1018.205,"end":1023.905,"sentiment":"neutral","sentiment_score":0.2838080009179456},{"text":"Okay?","start":1023.965,"end":1024.4651,"sentiment":"neutral","sentiment_score":0.2308807224035263},{"text":"That's okay.","start":1025.85,"end":1026.73,"sentiment":"positive","sentiment_score":0.4788045287132263},{"text":"Not a problem at all.","start":1026.73,"end":1027.61,"sentiment":"positive","sentiment_score":0.4979674220085144},{"text":"That's everything I needed to run through with you.","start":1027.61,"end":1030.01,"sentiment":"positive","sentiment_score":0.4474716815683577}],"sentiment":"positive","sentiment_score":0.34782657888200547,"num_words":45,"start":1018.205,"end":1030.01},{"sentences":[{"text":"But, yeah, let me know if there's anything you need, any questions you have.","start":1030.01,"end":1033.47,"sentiment":"positive","sentiment_score":0.40432221974645344},{"text":"I'm more than happy to make time to have a chat.","start":1033.61,"end":1035.85,"sentiment":"positive","sentiment_score":0.6964959556406195},{"text":"Okay?","start":1035.85,"end":1036.35,"sentiment":"positive","sentiment_score":0.3828669488430023},{"text":"No worries.","start":1039.6669,"end":1040.2269,"sentiment":"positive","sentiment_score":0.43502776324748993},{"text":"Thanks for your time today, Chloe.","start":1040.2269,"end":1041.6669,"sentiment":"positive","sentiment_score":0.7572754820187887}],"sentiment":"positive","sentiment_score":0.5623100575278787,"num_words":34,"start":1030.01,"end":1041.6669},{"sentences":[{"text":"Have a great rest of your day.","start":1041.6669,"end":1043.367,"sentiment":"positive","sentiment_score":0.7365214994975499},{"text":"See you later.","start":1043.4269,"end":1044.2269,"sentiment":"positive","sentiment_score":0.5042649706204733},{"text":"Bye.","start":1044.2269,"end":1044.7269,"sentiment":"neutral","sentiment_score":0.241458997130394}],"sentiment":"positive","sentiment_score":0.6281731277704239,"num_words":11,"start":1041.6669,"end":1044.7269}]}}]},{"alternatives":[{"transcript":"Hello. Chloe speaking. Hi, Chloe. I'm well. Thanks, Dana. And yourself? Yes, please. Yeah. I do. Yes. Chloe Forrest oh, sorry. Full name, Chloe Forrest. Address, 68 Oxley Avenue, Padbury, and sorry. What was the other one? Date of birth, fourth of April 1986. Yeah. It has. Okay. Yes. Right. Okay. Yep. Okay. Right. Great. Okay. Okay. Okay. Yep. Perfect. Yeah. Yep. Mhmm. Thanks. Okay. Yes. Of course. Yes. Yeah. Yeah. Of course. Mhmm. That is crazy, isn't it? Crazy world brand. Mhmm. Correct. No. Okay. Okay. Mhmm. Yeah. Great. Perfect. Yes. It does. What page of the number is that? Sorry. 19? Yep. Okay. Yes. Right. Yep. No. It's all good. Mhmm. Yeah. That sounds good. Thank you. Beautiful. Yeah. Of course. Yes. Yeah. Of course. Yep. Fantastic. Right. I think annual's fine at the moment. But, yeah, good question to ask, back in case you're as we get closer to retirement. Great. Yeah. Thank you. Fantastic. Thank you, Dana. Yes. Yes. Lovely. Of course. Yes. Of course. I'll have a have a full rate, and I'll execute hopefully by the end of the day. Yes. Thanks, Dana. Thank you so much. Chat soon. Thanks. Bye. And you. 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Chloe speaking. Hi, Chloe. I'm well. Thanks, Dana.\n\nAnd yourself? Yes, please. Yeah. I do. Yes.\n\nChloe Forrest oh, sorry. Full name, Chloe Forrest. Address, 68 Oxley Avenue, Padbury, and sorry. What was the other one? Date of birth, fourth of April 1986.\n\nYeah. It has. Okay. Yes. Right.\n\nOkay. Yep. Okay. Right. Great.\n\nOkay. Okay. Okay. Yep. Perfect.\n\nYeah. Yep. Mhmm. Thanks. Okay.\n\nYes. Of course. Yes. Yeah. Yeah.\n\nOf course. Mhmm. That is crazy, isn't it? Crazy world brand. Mhmm.\n\nCorrect. No. Okay. Okay. Mhmm.\n\nYeah. Great. Perfect. Yes. It does.\n\nWhat page of the number is that? Sorry. 19? Yep. Okay.\n\nYes. Right. Yep. No. It's all good.\n\nMhmm. Yeah. That sounds good. Thank you. Beautiful.\n\nYeah. Of course. Yes. Yeah. Of course.\n\nYep. Fantastic. Right. I think annual's fine at the moment. But, yeah, good question to ask, back in case you're as we get closer to retirement.\n\nGreat. Yeah. Thank you. Fantastic. Thank you, Dana.\n\nYes. Yes. Lovely. Of course. Yes.\n\nOf course. I'll have a have a full rate, and I'll execute hopefully by the end of the day. Yes. Thanks, Dana. Thank you so much.\n\nChat soon. Thanks. Bye. And you. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.36,"end":1.76,"sentiment":"neutral","sentiment_score":0.03769436478614807},{"text":"Chloe speaking.","start":1.76,"end":2.6599998,"sentiment":"neutral","sentiment_score":0.035065969452261925},{"text":"Hi, Chloe.","start":3.6799998,"end":4.58,"sentiment":"neutral","sentiment_score":0.18898466974496841},{"text":"I'm well.","start":6.7999997,"end":7.2799997,"sentiment":"positive","sentiment_score":0.4631720781326294},{"text":"Thanks, Dana.","start":7.2799997,"end":7.9199996,"sentiment":"positive","sentiment_score":0.6073097586631775}],"sentiment":"neutral","sentiment_score":0.2918621463080247,"num_words":9,"start":1.36,"end":7.9199996},{"sentences":[{"text":"And yourself?","start":7.9199996,"end":8.66,"sentiment":"positive","sentiment_score":0.4032963216304779},{"text":"Yes, please.","start":16.335,"end":17.235,"sentiment":"neutral","sentiment_score":0.2578252851963043},{"text":"Yeah.","start":24.67,"end":24.99,"sentiment":"neutral","sentiment_score":0.08885195851325989},{"text":"I do.","start":24.99,"end":37.23,"sentiment":"neutral","sentiment_score":0.11036204546689987},{"text":"Yes.","start":37.23,"end":37.635,"sentiment":"neutral","sentiment_score":0.21305695176124573}],"sentiment":"neutral","sentiment_score":0.23060952685773373,"num_words":8,"start":7.9199996,"end":37.635},{"sentences":[{"text":"Chloe Forrest oh, sorry.","start":46.914997,"end":49.074997,"sentiment":"neutral","sentiment_score":0.017119457945227623},{"text":"Full name, Chloe Forrest.","start":49.074997,"end":50.454998,"sentiment":"neutral","sentiment_score":0.02805316960439086},{"text":"Address, 68 Oxley Avenue, Padbury, and sorry.","start":51.155,"end":55.66,"sentiment":"neutral","sentiment_score":0.016385167304958616},{"text":"What was the other 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brand.","start":468.14,"end":469.36002,"sentiment":"negative","sentiment_score":-0.4002915819485982},{"text":"Mhmm.","start":472.06,"end":472.56,"sentiment":"neutral","sentiment_score":-0.029234550893306732}],"sentiment":"neutral","sentiment_score":-0.19622295272226134,"num_words":12,"start":454.395,"end":472.56},{"sentences":[{"text":"Correct.","start":482.095,"end":482.595,"sentiment":"neutral","sentiment_score":0.17294690012931824},{"text":"No.","start":496.86002,"end":497.36002,"sentiment":"neutral","sentiment_score":-0.06620196253061295},{"text":"Okay.","start":508.35498,"end":508.85498,"sentiment":"neutral","sentiment_score":0.020424481481313705},{"text":"Okay.","start":524.35,"end":524.85,"sentiment":"neutral","sentiment_score":0.1595897227525711},{"text":"Mhmm.","start":532.485,"end":532.985,"sentiment":"neutral","sentiment_score":0.10289434343576433}],"sentiment":"neutral","sentiment_score":0.07793069705367088,"num_words":5,"start":482.095,"end":532.985},{"sentences":[{"text":"Yeah.","start":540.005,"end":540.40497,"sentiment":"neutral","sentiment_score":0.0928892195224762},{"text":"Great.","start":540.40497,"end":540.90497,"sentiment":"positive","sentiment_score":0.4713829159736634},{"text":"Perfect.","start":543.765,"end":544.265,"sentiment":"neutral","sentiment_score":0.21907323598861697},{"text":"Yes.","start":544.565,"end":544.885,"sentiment":"neutral","sentiment_score":0.1542946845293045},{"text":"It 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that?","start":555.35,"end":556.79,"sentiment":"neutral","sentiment_score":0.01276093621605209},{"text":"Sorry.","start":556.79,"end":557.29,"sentiment":"neutral","sentiment_score":-0.02090330794453621},{"text":"19?","start":557.35,"end":557.85,"sentiment":"neutral","sentiment_score":-0.009004334919154644},{"text":"Yep.","start":560.38995,"end":560.88995,"sentiment":"neutral","sentiment_score":0.06848251074552536},{"text":"Okay.","start":589.83496,"end":590.33496,"sentiment":"neutral","sentiment_score":0.2060218006372452}],"sentiment":"neutral","sentiment_score":0.03035665654831312,"num_words":11,"start":555.35,"end":590.33496},{"sentences":[{"text":"Yes.","start":616.765,"end":617.265,"sentiment":"positive","sentiment_score":0.4120050072669983},{"text":"Right.","start":653.645,"end":654.145,"sentiment":"neutral","sentiment_score":0.17112508416175842},{"text":"Yep.","start":654.205,"end":654.705,"sentiment":"neutral","sentiment_score":0.15410208702087402},{"text":"No.","start":658.685,"end":659.005,"sentiment":"neutral","sentiment_score":-0.038107968866825104},{"text":"It's all good.","start":659.005,"end":659.79,"sentiment":"neutral","sentiment_score":0.037523966282606125}],"sentiment":"neutral","sentiment_score":0.11595658691866058,"num_words":7,"start":616.765,"end":659.79},{"sentences":[{"text":"Mhmm.","start":723.2,"end":723.7,"sentiment":"neutral","sentiment_score":0.014672083780169489},{"text":"Yeah.","start":776.18,"end":776.5,"sentiment":"neutral","sentiment_score":0.1885422170162201},{"text":"That sounds good.","start":776.5,"end":777.38,"sentiment":"positive","sentiment_score":0.5182470281918844},{"text":"Thank you.","start":777.38,"end":778.12,"sentiment":"positive","sentiment_score":0.6031757295131683},{"text":"Beautiful.","start":801.82,"end":802.32,"sentiment":"positive","sentiment_score":0.5614779591560364}],"sentiment":"positive","sentiment_score":0.44072310044430196,"num_words":8,"start":723.2,"end":802.32},{"sentences":[{"text":"Yeah.","start":839.54504,"end":839.705,"sentiment":"neutral","sentiment_score":-0.02501923218369484},{"text":"Of course.","start":839.705,"end":842.125,"sentiment":"neutral","sentiment_score":-0.05086074210703373},{"text":"Yes.","start":842.185,"end":842.685,"sentiment":"neutral","sentiment_score":-0.05289445444941521},{"text":"Yeah.","start":850.67,"end":851.07,"sentiment":"neutral","sentiment_score":0.015419544652104378},{"text":"Of 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retirement.","start":874.045,"end":879.02,"sentiment":"neutral","sentiment_score":0.03046930666459957}],"sentiment":"neutral","sentiment_score":0.08780048008954439,"num_words":26,"start":854.67,"end":879.02},{"sentences":[{"text":"Great.","start":898.36505,"end":898.685,"sentiment":"positive","sentiment_score":0.5315271019935608},{"text":"Yeah.","start":898.685,"end":899.085,"sentiment":"neutral","sentiment_score":0.2827881872653961},{"text":"Thank you.","start":899.085,"end":899.825,"sentiment":"positive","sentiment_score":0.4167943149805069},{"text":"Fantastic.","start":906.37,"end":906.87,"sentiment":"positive","sentiment_score":0.6319527626037598},{"text":"Thank you, Dana.","start":929.17505,"end":930.315,"sentiment":"positive","sentiment_score":0.5470067063967387}],"sentiment":"positive","sentiment_score":0.4901096001267433,"num_words":8,"start":898.36505,"end":930.315},{"sentences":[{"text":"Yes.","start":961.165,"end":961.665,"sentiment":"neutral","sentiment_score":0.1572166383266449},{"text":"Yes.","start":964.8,"end":965.3,"sentiment":"neutral","sentiment_score":0.229483962059021},{"text":"Lovely.","start":969.44,"end":969.94,"sentiment":"neutral","sentiment_score":0.3329651951789856},{"text":"Of course.","start":990.635,"end":991.29,"sentiment":"neutral","sentiment_score":0.04433467611670494},{"text":"Yes.","start":993.93,"end":994.43,"sentiment":"neutral","sentiment_score":0.06692163646221161}],"sentiment":"neutral","sentiment_score":0.1458761307100455,"num_words":6,"start":961.165,"end":994.43},{"sentences":[{"text":"Of course.","start":995.37,"end":995.85,"sentiment":"neutral","sentiment_score":0.04768178053200245},{"text":"I'll have a have a full rate, and I'll execute hopefully by the end of the day.","start":995.85,"end":1000.99,"sentiment":"neutral","sentiment_score":0.14915686977260253},{"text":"Yes.","start":1020.57996,"end":1021.07996,"sentiment":"neutral","sentiment_score":0.1970791518688202},{"text":"Thanks, Dana.","start":1024.1799,"end":1025.16,"sentiment":"positive","sentiment_score":0.6791868209838867},{"text":"Thank you so much.","start":1036.875,"end":1038.095,"sentiment":"positive","sentiment_score":0.7911412268877029}],"sentiment":"neutral","sentiment_score":0.28273261725329435,"num_words":26,"start":995.37,"end":1038.095},{"sentences":[{"text":"Chat soon.","start":1038.1549,"end":1039.0549,"sentiment":"positive","sentiment_score":0.4592297673225403},{"text":"Thanks.","start":1041.355,"end":1041.855,"sentiment":"positive","sentiment_score":0.7290245890617371},{"text":"Bye.","start":1041.9149,"end":1042.4149,"sentiment":"positive","sentiment_score":0.47067078948020935},{"text":"And you.","start":1043.6749,"end":1044.475,"sentiment":"positive","sentiment_score":0.38544243574142456},{"text":"Bye.","start":1044.475,"end":1044.975,"sentiment":"neutral","sentiment_score":-0.12016213685274124}],"sentiment":"positive","sentiment_score":0.3955539496881621,"num_words":7,"start":1038.1549,"end":1044.975}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Chloe speaking.\n\nChannel 0: Hi, Chloe.\n\nChannel 1: Hi,\n\nChannel 0: It's Dana\n\nChannel 1: Chloe.\n\nChannel 0: from Financial. How are you today?\n\nChannel 1: I'm well. Thanks, Dana. And yourself?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I had you booked in just to run through your updated advice document. Is now still a good time for you?\n\nChannel 1: Yes, please.\n\nChannel 0: Beautiful. I'm gonna send you a copy of the document via email as well. Do you have access to your emails at the moment?\n\nChannel 1: Yeah. I\n\nChannel 0: Yep. Beautiful. Lovely. I'll send that one through to you now. Now just to avoid jumping to the call moving forward, just to let you know, we do record our calls for quality and training purposes.\n\nAre you happy for me to proceed with that one, Chloe?\n\nChannel 1: do. Yes.\n\nChannel 0: Beautiful. And just to do security there with you as well, we are discussing your personal information. I'll just need to confirm your full name, your address, and date of birth I should have on file.\n\nChannel 1: Chloe Forrest oh, sorry. Full name, Chloe Forrest. Address, 68 Oxley\n\nChannel 0: Yep.\n\nChannel 1: Avenue, Padbury, and sorry. What was the other one? Date of birth, fourth of\n\nChannel 0: Yeah.\n\nChannel 1: April 1986.\n\nChannel 0: Beautiful. Thank you so much for that one. Now I've sent the email through with the document there attached. Just are you able to confirm if it popped through to you as of yet?\n\nChannel 1: Yeah. It has.\n\nChannel 0: Beautiful. Lovely. So when you open that one there, you'll be able to review the document. I believe there is a button on the front that says sign. You may have to click that button so you can kinda go through and review the document.\n\nThey'll never ask you to sign anything that you haven't read through. It just allows you to move it up and down throughout the documents there. Okay.\n\nChannel 1: Okay. Yes.\n\nChannel 0: Beautiful. Now when you open that one up, you will see on the front page that a statement of advice has been prepared for yourself, Chloe, for us as of the seventh April twenty twenty six, prepared by myself and my lovely team here at OP Financial. My registered license number with ASDIC is 1304394. Okay.\n\nChannel 1: Right.\n\nChannel 0: Beautiful. Now when you've got that one open, what I'll get you to do, just to make it nice and easy, you're welcome to go back and read you the document prior to signing it, but so as I'm not sort of going through all the different pages and making it a little bit over the top, if I can only get you to scroll down for me, it's just the page number 20, and we'll just go through the recommendations there for you. Okay.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Beautiful. Lovely. Now this advice document has been limited to essentially superannuation and specifically the investments within your superannuation as the last time we sort touched base. One of your underlying investments had been underperforming a little bit, so we wanted to look at removing that one. And we did talk about maybe moving in and looking at the the late the SMA product, the separately managed account that we've been able to set up utilizing BlackRock as an investment manager as well.\n\nSo,\n\nChannel 1: Okay.\n\nChannel 0: essentially, utilizing this SMA account allows you to have a bit more allows us to have a bit more control around what the investments are. So with the how the markets are at the moment with a lot of ups and downs and a bit of uncertainty there, we're able to maneuver the investment within that SMA account without having to update this this advice regularly, which allows us and the investment committee a bit more control around what you're invested in, making sure we can maneuver things depending on what market circumstances look like. Okay?\n\nChannel 1: Right.\n\nChannel 0: Perfect. Now with this recommendation here, you'll see the current that shows where you currently are with your current balance and the current fees that you are in. With this one here, I have looked at the additional research. I've looked at just replacing one investment as well as the SMA. Because one of the things you wanted us to have was a bit more control around maneuvering and changing those investments depending on conditions, I am recommending that we do move you into that SMA product there.\n\nChannel 1: Great.\n\nChannel 0: In order to do so, we're actually moving you changing the investment menu within Hub 24. So you'll stay in Hub 24. We're just maneuvering in the back end of the tick box, and it changed these from the core sorry, from the choice product into what's called the core products. They have different investment menus and different products in the Hub 24. They have\n\nChannel 1: Okay.\n\nChannel 0: the lowest tier, which is the cheapest option discovery, then it goes core, then it goes choice, and choice is a higher level of menu, so it is a more expensive product to hold. By changing your underlying hub 24 menu to the core menu, we're actually gonna be making it cheaper in administration\n\nChannel 1: Okay.\n\nChannel 0: fees, and you'll see it's actually gonna save you about a $180 in admin fees, which is in which is really good. Alright?\n\nChannel 1: Okay. Yep.\n\nChannel 0: And by moving into the SMA as well as separately managed the account there, we're keeping you in that high growth environment. So not changing the asset allocation as such. You still have that high growth asset allocation, which is suited to your time horizon. But it's actually gonna save you an investment fees, and we estimate, having a look at this, about a $135 in investment fees. So overall, it's a much cheaper product for you, and it saves you an investment fees, which is really important as well.\n\nOkay?\n\nChannel 1: Perfect. Yeah.\n\nChannel 0: Perfect. Now you will see at the top there, the difference is 1,883. That's\n\nChannel 1: Yep.\n\nChannel 0: essentially the CDT. So because we are buy we are selling some investments, we are gonna, in fact, transfer as many as possible to limit the amount of CDT. But when we went back and completed the research, in order to move you into a separately managed account, We do know there are capital gains consequences. This is all covered by your super fund, not by yourself, but it's still important to make sure we limit those where possible.\n\nChannel 1: Mhmm.\n\nChannel 0: But we do estimate the CGT consequences for the change is about $1,883. Your super fund will cover that and deal with that. We wanna make sure that once it's all completed, we'll keep reviewing the investments and keep reviewing your portfolio and everything with you as we are moving forward just to make sure that things are working harder, but we do want that to be made back as quickly as possible within the investment. Okay?\n\nChannel 1: Thanks.\n\nChannel 0: Beautiful. Now I am really honest, and I will let you know when we look at the returns, the SMA has shown a little bit lesser of a return, so about 1.93% when we compare that to your current portfolio. Your current portfolio in the high growth environment over the last three years, according to the research, has averaged about 14.48%. However,\n\nChannel 1: Okay.\n\nChannel 0: you've actually not received that kind of return. So when I look at your super fund since inception, you've actually returned 24.9%, which when I averaged that over three years is about 8.3%. So I\n\nChannel 1: Yes.\n\nChannel 0: do like projections and returns to be taken with a grain of salt because I know you're not gonna get 14% every single year over the next twenty odd years towards retirement\n\nChannel 1: Of course.\n\nChannel 0: then. So this is just more about the the investments being in best interest. And the way that this makes the investments just for you is that moving to the estimate, as I said, it gives us a lot more control around maneuvering the investment there. It is a much cheaper option for you as well. So saving fees generally helps to provide greater long term performance because you have more money invested there.\n\nSo you will see on the next page, we have got a projection table there, and it does show that over the next ten years, if you were able to get the exact returns between these two portfolios, where we can see that return where we can see that sort of projected out to. However, as\n\nChannel 1: Yes.\n\nChannel 0: I mentioned, I take it with a grain of salt. Returns aren't the most important things for this document. What's important is making sure that we're meeting we're looking to meet your goals. You've still got twenty years ahead of you. It's still a long time when markets are changing and altering and reacting.\n\nAnd, I mean, when you sort of look at where we were last year, no one would have thought we were where we are this year. No\n\nChannel 1: Yeah.\n\nChannel 0: one would have thought we'd have this fuel crisis or the the market ups and downs that we are seeing at the moment. So\n\nChannel 1: Yeah. Of course.\n\nChannel 0: I don't think anyone could have seen that coming, and who knows where we're gonna be next year as well. So at this\n\nChannel 1: Mhmm.\n\nChannel 0: point, I think we're all looking to see where we're gonna be in next month.\n\nChannel 1: That is\n\nChannel 0: So\n\nChannel 1: crazy, isn't it? Crazy world brand.\n\nChannel 0: it's insane, isn't it?\n\nChannel 1: Mhmm.\n\nChannel 0: So, essentially, when I go back and do the research for you, this recommendation does work in your best interest. So helping you to save in fees, which can provide a greater long term benefit. When\n\nChannel 1: Correct.\n\nChannel 0: I look at how a high growth portfolio the environment is, we're sort of looking at to average around about eight to 10% return. So when I sort of look at the estimate, you are more likely to try and obtain more of a 12% return. I'm not guaranteeing that every year. But\n\nChannel 1: No.\n\nChannel 0: because we are sort of looking at how the estimate works and the fact that we can also invest this on a regular basis for you, you are probably more likely to be able to get something around that sort of return. I'd like you to get\n\nChannel 1: Okay.\n\nChannel 0: a much greater return each year. And we know some user might get a 25% return, a 20% return. Some user might only be a 3% return, and this year is gonna be a bit volatile, and I'd expect this year to see a a probably a lower rate of return than what we have in previous years.\n\nChannel 1: Okay.\n\nChannel 0: But if we make those changes now, you've got a lot more time on your side to be able to allow your portfolio to recover, to start growing, and\n\nChannel 1: Mhmm.\n\nChannel 0: to start compounding again. And then we'll just review things every year. If we find the estimate is not working in your benefit, then we can\n\nChannel 1: Yeah.\n\nChannel 0: always look\n\nChannel 1: Great.\n\nChannel 0: at other options to keep things working for you. Does that make\n\nChannel 1: Perfect.\n\nChannel 0: sense?\n\nChannel 1: Yes. It does.\n\nChannel 0: Yeah. Beautiful. Beautiful. Another really good aspect of the estimate and why it does work in best interest for you is if you go to this one page above there for me.\n\nChannel 1: What page of the number is that? Sorry. 19?\n\nChannel 0: So sorry. It's 19. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: So this sort of shows you in that high growth environment, we normally like to see about a ninety ten split between growth and defensive assets there. So as of the moment with your current portfolio, you've got about 90.43% in growth investments. Those are more of those high risk investments where you're hoping to get a greater level of return and then about 9.57% in defense. It's the lower risk investments that generally that'll help smooth out long term market fluctuations a bit. They're more for cash producing.\n\nWith\n\nChannel 1: Okay.\n\nChannel 0: the SMA, we're actually lowering the overall risk level, and it's one of the aspects and why we like to be able to use BlackRock BlackRock's investment team is we get access to the analysts in order to build these sorts of portfolios, and the analysts can help us to look at the amount of risk you're taking. So another really important aspect is you wanna be getting good returns, but you wanna try and mitigate as much risk as as humanly possible when it comes to market fluctuations and and the market over the longer term.\n\nChannel 1: Yes.\n\nChannel 0: So with the proposed inside the SMA there, you're actually reducing your gross asset allocation to about 88.87%. We do allow for about a 10% variance in the in the gross and defensive asset allocation there. So the 88.87 is within that 10 variance, which is perfectly fine. It's actually reducing your risk in those growth investments, so reducing your risk in the portfolio overall, increasing some of those defensive assets to 11.13% to help lower the risk level, but still give you as good of return as we can obtain and making sure that the portfolio is working harder as well. Does that make sense?\n\nChannel 1: Right. Yep.\n\nChannel 0: Yeah. Do you have any questions so far at all?\n\nChannel 1: No. It's all good.\n\nChannel 0: No? Beautiful. If you just go up to page number 17 there, you'll essentially see the difference. So the portfolio that you're in currently and all the reds, that essentially shows that we'll be selling all of those investments. Essentially, in order to transfer into the SMA, we we tell Hub twenty four that we wanna sell everything and what we wanna buy, and they will, in the back end, go back and look at what you have owned for longer, try to sell things in a more tax effective way.\n\nBut anything that's currently existing within the estimate product, they'll also try to in space the transfer over that mitigates as much of the tax consequences as possible for your super fund. But this essentially shows what you'll see when you look at your super fund once we've completed the change there, you'll actually see that you've got we've incorporated a mix of two of the SMA products to keep that $90.10 sort of split for you in a high growth environment. So you'll see about 33.3% of your funds in the catalyst SMA product and then about 66.67 in the bloom. So this is what you'll\n\nChannel 1: Mhmm.\n\nChannel 0: actually see. And what we can do is every sort of quarter the investment committee meets, whenever they do make changes to the product, we do get change reports. So we can once those whenever there's a change within the estimate, we can always email you through those change reports. So unlike your portfolio at the moment, you won't see all the underlying investments because at the moment, you've got about eight or nine there. Once we move into the estimate product, you probably have about, you know, anywhere between 10 to 50 different investment options depending on what the markets require us to be invested in that particular point in time.\n\nSo you'll just see the bloom and the catalyst there with the amounts of money invested between those. And then if you would like me to, every time we see they let us know that there are some changes being made to the estimated products, then we can always send through change reports to you as well so you can kinda see what the underlying looks like for you at that particular time. Okay?\n\nChannel 1: Yeah. That sounds good. Thank you.\n\nChannel 0: Yep. That's okay. Not a problem at all. We always get notified, and we have a really lovely meeting. We just had one about a week ago oh, sorry.\n\nAbout two weeks ago, just to sort of have a look at where markets are going and what the changes look like. So if you like, I can even, after the call, send through a copy of that change report, and you're welcome to have a bit of a look at what the underlying sort of look like at the moment. Okay?\n\nChannel 1: Beautiful.\n\nChannel 0: Yeah. Excellent. With the advice documents there, as I mentioned, it is sort of just sort of scoped into the superannuation and the investments there. We are wanting to make sure that you're invested in a way that suits your investment goals, and we are working towards your retirement. So, hopefully, being able to retire around about the age of 60 there, being in a SMA product does not take away the need for regular reviews.\n\nSo at the moment, you've got a really good time horizon ahead of you. That high growth environment still does suit, but you might find, as you get closer to accessing super, that you don't wanna be in that kind of environment. Most people,\n\nChannel 1: Yeah.\n\nChannel 0: when\n\nChannel 1: Of\n\nChannel 0: they're about eight years away,\n\nChannel 1: course.\n\nChannel 0: decide to\n\nChannel 1: Yes.\n\nChannel 0: pull back a little bit. But sometimes when you're about ten or even fifteen years away, some people still feel a bit more concerned and wanna kinda draw back a little bit. So\n\nChannel 1: Yeah.\n\nChannel 0: I do\n\nChannel 1: Of\n\nChannel 0: wanna\n\nChannel 1: course.\n\nChannel 0: still do regular reviews with you and just make sure\n\nChannel 1: Yep.\n\nChannel 0: things are working harder for you, give you\n\nChannel 1: Fantastic.\n\nChannel 0: an update on how the portfolio is working as well. I\n\nChannel 1: Right.\n\nChannel 0: know we do regular yearly reviews, but did you maybe wanna see something a little bit more regular, maybe once every three months or six months moving forward? What's more preferable for yourself, Chloe?\n\nChannel 1: I think annual's fine at the\n\nChannel 0: Yep.\n\nChannel 1: moment. But, yeah,\n\nChannel 0: Yep.\n\nChannel 1: good question to ask, back in case you're as we get closer to retirement.\n\nChannel 0: Yeah. Not a problem at all. If you find that that changes and you want something a bit more regular, you're welcome to let me know. We've had some business changes as well. So I've sort of added you to my book individually, so I'll be the only adviser that you'll be able to you'll talk to just to kinda keep things smooth.\n\nI can keep it kind of in unison for you,\n\nChannel 1: Great.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: then you'll\n\nChannel 1: Thank\n\nChannel 0: be\n\nChannel 1: you.\n\nChannel 0: able to contact my admin, Michelle, and she'll be able to she'll be the one that contacts you to do regular reviews and things like that. So\n\nChannel 1: Fantastic.\n\nChannel 0: after you've, yeah, I know Michelle contacted you to get your ID this morning. So, yeah, you'll be able to make sure you keep in contact with us, and we'll make sure we contact you whenever we need to just sort of touch base. And if you decide you want reviews more often or even an ad hoc call, it's all part of our services and what we're here to provide. So we just wanna make sure it's more consistent for you moving forward. Okay?\n\nChannel 1: Thank you, Dana.\n\nChannel 0: Oh, that's okay. It's not a problem. It's been a pleasure. I've really enjoyed doing this research there for you. I just I'll let you go back and have a bit of a read of the document there.\n\nFeel free to let me know if you do happen to have any questions. We've got the insurance scoped into a limited scope only, so it's about just letting you know that there's no changes to the insurance recommendations there. I've only scoped them into a limited capacity just because it's the it affects the kind of the projections moving forward. Your insurance premiums are paid out of your super funds, and\n\nChannel 1: Yes.\n\nChannel 0: they do get accounted into that projection table. So I\n\nChannel 1: Yes.\n\nChannel 0: do like to make sure that's accounted for and nice and clearly set out for you. We do\n\nChannel 1: Lovely.\n\nChannel 0: have also the advantages, disadvantages, the risks involved, and any alternatives considered that notes in the documents. So you're welcome to run your eyes over those. Let me know if you happen to have any questions at all, and if you're happy to take on those recommendations and move into the estimate product to start with, knowing what we can review that and always move out if it doesn't work for you.\n\nChannel 1: Of\n\nChannel 0: I'll\n\nChannel 1: course.\n\nChannel 0: just get you to return that back at sign and return the document\n\nChannel 1: Yes.\n\nChannel 0: back for me.\n\nChannel 1: Of\n\nChannel 0: Does\n\nChannel 1: course.\n\nChannel 0: that make\n\nChannel 1: I'll have a\n\nChannel 0: sense?\n\nChannel 1: have a full rate,\n\nChannel 0: Yeah.\n\nChannel 1: and I'll execute\n\nChannel 0: Beautiful.\n\nChannel 1: hopefully by the end of the day.\n\nChannel 0: Yeah. That's okay. That's not a problem at all. I'll get I'll see if I can get a hold of that change report now from our investment committee, and I'll send it to you in the email. That way you've also got my email address, and you're welcome to keep that and send me any emails.\n\nYou might have questions at a random time or even just, you know, contact me. Go, Dana. I need to have a bit of a catch up with you, and I'll\n\nChannel 1: Yes.\n\nChannel 0: make time to have a chat and see how things are going for you. Okay?\n\nChannel 1: Thanks, Dana.\n\nChannel 0: That's okay. Not a problem at all. That's everything I needed to run through with you. But, yeah, let me know if there's anything you need, any questions you have. I'm more than happy to make time to have a chat.\n\nOkay?\n\nChannel 1: Thank you so much. Chat soon.\n\nChannel 0: No worries. Thanks for your time today, Chloe.\n\nChannel 1: Thanks.\n\nChannel 0: Have a\n\nChannel 1: Bye.\n\nChannel 0: great rest of your day. See you\n\nChannel 1: And\n\nChannel 0: later.\n\nChannel 1: you.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.36,"end":1.76,"sentiment":"neutral","sentiment_score":0.03769436478614807},{"text":"Chloe speaking.","start":1.76,"end":2.6599998,"sentiment":"neutral","sentiment_score":0.035065969452261925}],"sentiment":"neutral","sentiment_score":0.035942101230223976,"channel":1,"num_words":3,"start":1.36,"end":2.6599998},{"sentences":[{"text":"Hi, Chloe.","start":3.04,"end":3.84,"sentiment":"neutral","sentiment_score":0.14725061506032944}],"sentiment":"neutral","sentiment_score":0.14725061506032944,"channel":0,"num_words":2,"start":3.04,"end":3.84},{"sentences":[{"text":"Hi,","start":3.6799998,"end":4.08,"sentiment":"neutral","sentiment_score":0.20036891102790833}],"sentiment":"neutral","sentiment_score":0.20036891102790833,"channel":1,"num_words":1,"start":3.6799998,"end":4.08},{"sentences":[{"text":"It's Dana","start":3.84,"end":4.24,"sentiment":"neutral","sentiment_score":0.1738157421350479}],"sentiment":"neutral","sentiment_score":0.1738157421350479,"channel":0,"num_words":2,"start":3.84,"end":4.24},{"sentences":[{"text":"Chloe.","start":4.08,"end":4.58,"sentiment":"neutral","sentiment_score":0.1776004284620285}],"sentiment":"neutral","sentiment_score":0.1776004284620285,"channel":1,"num_words":1,"start":4.08,"end":4.58},{"sentences":[{"text":"from Financial.","start":4.24,"end":4.98,"sentiment":"neutral","sentiment_score":0.16951169818639755},{"text":"How are you today?","start":5.52,"end":6.5,"sentiment":"neutral","sentiment_score":0.2847912833094597}],"sentiment":"neutral","sentiment_score":0.24636475493510565,"channel":0,"num_words":6,"start":4.24,"end":6.5},{"sentences":[{"text":"I'm well.","start":6.7999997,"end":7.2799997,"sentiment":"positive","sentiment_score":0.4631720781326294},{"text":"Thanks, Dana.","start":7.2799997,"end":7.9199996,"sentiment":"positive","sentiment_score":0.6073097586631775},{"text":"And yourself?","start":7.9199996,"end":8.66,"sentiment":"positive","sentiment_score":0.4032963216304779}],"sentiment":"positive","sentiment_score":0.4912593861420949,"channel":1,"num_words":6,"start":6.7999997,"end":8.66},{"sentences":[{"text":"I'm very well.","start":9.04,"end":10.0,"sentiment":"positive","sentiment_score":0.6491227348645529},{"text":"Thank you.","start":10.0,"end":10.4,"sentiment":"positive","sentiment_score":0.7221789062023163},{"text":"Thanks for asking.","start":10.4,"end":11.28,"sentiment":"positive","sentiment_score":0.7020298441251119},{"text":"I had you booked in just to run through your updated advice document.","start":11.28,"end":14.08,"sentiment":"neutral","sentiment_score":0.295487085214028},{"text":"Is now still a good time for you?","start":14.08,"end":15.975,"sentiment":"neutral","sentiment_score":0.25698961317539215}],"sentiment":"positive","sentiment_score":0.392933260777901,"channel":0,"num_words":29,"start":9.04,"end":15.975},{"sentences":[{"text":"Yes, please.","start":16.335,"end":17.235,"sentiment":"neutral","sentiment_score":0.2578252851963043}],"sentiment":"neutral","sentiment_score":0.2578252851963043,"channel":1,"num_words":2,"start":16.335,"end":17.235},{"sentences":[{"text":"Beautiful.","start":17.895,"end":18.395,"sentiment":"positive","sentiment_score":0.6096950173377991},{"text":"I'm gonna send you a copy of the document via email as well.","start":18.695,"end":21.895,"sentiment":"neutral","sentiment_score":0.3176785764785913},{"text":"Do you have access to your emails at the moment?","start":21.895,"end":24.155,"sentiment":"neutral","sentiment_score":0.06500142198055983}],"sentiment":"neutral","sentiment_score":0.2245637804735452,"channel":0,"num_words":24,"start":17.895,"end":24.155},{"sentences":[{"text":"Yeah.","start":24.67,"end":24.99,"sentiment":"neutral","sentiment_score":0.08885195851325989},{"text":"I","start":24.99,"end":25.49,"sentiment":"neutral","sentiment_score":0.11724391579627992}],"sentiment":"neutral","sentiment_score":0.1030479371547699,"channel":1,"num_words":2,"start":24.67,"end":25.49},{"sentences":[{"text":"Yep.","start":25.975,"end":26.375,"sentiment":"neutral","sentiment_score":0.1535499393939972},{"text":"Beautiful.","start":26.375,"end":26.875,"sentiment":"positive","sentiment_score":0.594139814376831},{"text":"Lovely.","start":26.935001,"end":27.255001,"sentiment":"positive","sentiment_score":0.6411799192428589},{"text":"I'll send that one through to you now.","start":27.255001,"end":28.955,"sentiment":"positive","sentiment_score":0.4217509888112545},{"text":"Now just to avoid jumping to the call moving forward, just to let you know, we do record our calls for quality and training purposes.","start":29.49,"end":34.53,"sentiment":"neutral","sentiment_score":0.11272745728492736}],"sentiment":"neutral","sentiment_score":0.21058511154519188,"channel":0,"num_words":36,"start":25.975,"end":34.53},{"sentences":[{"text":"Are you happy for me to proceed with that one, Chloe?","start":34.53,"end":36.71,"sentiment":"neutral","sentiment_score":0.22632842578671195}],"sentiment":"neutral","sentiment_score":0.22632842578671195,"channel":0,"num_words":11,"start":34.53,"end":36.71},{"sentences":[{"text":"do.","start":36.75,"end":37.23,"sentiment":"neutral","sentiment_score":0.10348017513751984},{"text":"Yes.","start":37.23,"end":37.635,"sentiment":"neutral","sentiment_score":0.21305695176124573}],"sentiment":"neutral","sentiment_score":0.15826856344938278,"channel":1,"num_words":2,"start":36.75,"end":37.635},{"sentences":[{"text":"Beautiful.","start":38.45,"end":38.85,"sentiment":"positive","sentiment_score":0.43112796545028687},{"text":"And just to do security there with you as well, we are discussing your personal information.","start":38.85,"end":42.37,"sentiment":"neutral","sentiment_score":0.13608260452747345},{"text":"I'll just need to confirm your full name, your address, and date of birth I should have on file.","start":42.37,"end":46.385,"sentiment":"neutral","sentiment_score":0.0916246246350439}],"sentiment":"neutral","sentiment_score":0.120814375165436,"channel":0,"num_words":36,"start":38.45,"end":46.385},{"sentences":[{"text":"Chloe Forrest oh, sorry.","start":46.914997,"end":49.074997,"sentiment":"neutral","sentiment_score":0.017119457945227623},{"text":"Full name, Chloe Forrest.","start":49.074997,"end":50.454998,"sentiment":"neutral","sentiment_score":0.02805316960439086},{"text":"Address, 68 Oxley","start":51.155,"end":53.04,"sentiment":"neutral","sentiment_score":0.020490852495034535}],"sentiment":"neutral","sentiment_score":0.022014824334870686,"channel":1,"num_words":11,"start":46.914997,"end":53.04},{"sentences":[{"text":"Yep.","start":52.684998,"end":53.184998,"sentiment":"neutral","sentiment_score":0.03129326552152634}],"sentiment":"neutral","sentiment_score":0.03129326552152634,"channel":0,"num_words":1,"start":52.684998,"end":53.184998},{"sentences":[{"text":"Avenue, Padbury, and sorry.","start":53.100002,"end":55.66,"sentiment":"neutral","sentiment_score":0.013305903412401676},{"text":"What was the other one?","start":55.66,"end":56.38,"sentiment":"neutral","sentiment_score":0.004820505902171135},{"text":"Date of birth, fourth of","start":56.38,"end":57.58,"sentiment":"neutral","sentiment_score":0.003100498951971531}],"sentiment":"neutral","sentiment_score":0.006630616994308574,"channel":1,"num_words":14,"start":53.100002,"end":57.58},{"sentences":[{"text":"Yeah.","start":57.579998,"end":58.079998,"sentiment":"neutral","sentiment_score":0.005295449402183294}],"sentiment":"neutral","sentiment_score":0.005295449402183294,"channel":0,"num_words":1,"start":57.579998,"end":58.079998},{"sentences":[{"text":"April 1986.","start":57.58,"end":59.28,"sentiment":"neutral","sentiment_score":0.01404809020459652}],"sentiment":"neutral","sentiment_score":0.01404809020459652,"channel":1,"num_words":2,"start":57.58,"end":59.28},{"sentences":[{"text":"Beautiful.","start":59.82,"end":60.3,"sentiment":"positive","sentiment_score":0.4074401557445526},{"text":"Thank you so much for that one.","start":60.3,"end":62.16,"sentiment":"positive","sentiment_score":0.6506420033318656},{"text":"Now I've sent the email through with the document there attached.","start":62.699997,"end":65.74,"sentiment":"neutral","sentiment_score":0.22429671341722662},{"text":"Just are you able to confirm if it popped through to you as of yet?","start":65.74,"end":69.6,"sentiment":"neutral","sentiment_score":0.14696533183256785}],"sentiment":"neutral","sentiment_score":0.28334347071016536,"channel":0,"num_words":34,"start":59.82,"end":69.6},{"sentences":[{"text":"Yeah.","start":69.775,"end":70.095,"sentiment":"neutral","sentiment_score":0.13924235105514526},{"text":"It has.","start":70.095,"end":70.835,"sentiment":"neutral","sentiment_score":0.18455356359481812}],"sentiment":"neutral","sentiment_score":0.16944982608159384,"channel":1,"num_words":3,"start":69.775,"end":70.835},{"sentences":[{"text":"Beautiful.","start":71.744995,"end":72.244995,"sentiment":"positive","sentiment_score":0.4636048972606659},{"text":"Lovely.","start":72.625,"end":73.125,"sentiment":"positive","sentiment_score":0.4326475262641907},{"text":"So when you open that one there, you'll be able to review the document.","start":73.424995,"end":76.704994,"sentiment":"neutral","sentiment_score":0.23230694234371185},{"text":"I believe there is a button on the front that says sign.","start":76.704994,"end":79.505,"sentiment":"neutral","sentiment_score":0.07429581228643656},{"text":"You may have to click that button so you can kinda go through and review the document.","start":79.505,"end":83.685,"sentiment":"neutral","sentiment_score":0.1391934401848737}],"sentiment":"neutral","sentiment_score":0.16458639659815363,"channel":0,"num_words":45,"start":71.744995,"end":83.685},{"sentences":[{"text":"They'll never ask you to sign anything that you haven't read through.","start":83.79,"end":86.43,"sentiment":"neutral","sentiment_score":0.1145032091687123},{"text":"It just allows you to move it up and down throughout the documents there.","start":86.43,"end":89.63,"sentiment":"neutral","sentiment_score":0.20793962478637695},{"text":"Okay.","start":89.63,"end":90.13,"sentiment":"neutral","sentiment_score":0.1157168075442314}],"sentiment":"neutral","sentiment_score":0.16299666905844654,"channel":0,"num_words":27,"start":83.79,"end":90.13},{"sentences":[{"text":"Okay.","start":90.0,"end":90.5,"sentiment":"neutral","sentiment_score":0.1120508760213852},{"text":"Yes.","start":90.72,"end":91.22,"sentiment":"neutral","sentiment_score":0.2139106392860413}],"sentiment":"neutral","sentiment_score":0.16298075765371325,"channel":1,"num_words":2,"start":90.0,"end":91.22},{"sentences":[{"text":"Beautiful.","start":91.47,"end":91.97,"sentiment":"neutral","sentiment_score":0.01147995050996542},{"text":"Now when you open that one up, you will see on the front page that a statement of advice has been prepared for yourself, Chloe, for us as of the seventh April twenty twenty six, prepared by myself and my lovely team here at OP Financial.","start":92.67,"end":104.425,"sentiment":"neutral","sentiment_score":0.06827615428230037},{"text":"My registered license number with ASDIC is 1304394.","start":104.965,"end":109.225,"sentiment":"neutral","sentiment_score":0.04118767799809575},{"text":"Okay.","start":109.284996,"end":109.784996,"sentiment":"neutral","sentiment_score":0.17819911241531372}],"sentiment":"neutral","sentiment_score":0.0653550639981404,"channel":0,"num_words":56,"start":91.47,"end":109.784996},{"sentences":[{"text":"Right.","start":109.810005,"end":110.310005,"sentiment":"positive","sentiment_score":0.3811344802379608}],"sentiment":"positive","sentiment_score":0.3811344802379608,"channel":1,"num_words":1,"start":109.810005,"end":110.310005},{"sentences":[{"text":"Beautiful.","start":111.284996,"end":111.784996,"sentiment":"positive","sentiment_score":0.6183573007583618},{"text":"Now when you've got that one open, what I'll get you to do, just to make it nice and easy, you're welcome to go back and read you the document prior to signing it, but so as I'm not sort of going through all the different pages and making it a little bit over the top, if I can only get you to scroll down for me, it's just the page number 20, and we'll just go through the recommendations there for you.","start":113.25,"end":132.795,"sentiment":"neutral","sentiment_score":0.1016239828755518},{"text":"Okay.","start":132.795,"end":133.295,"sentiment":"neutral","sentiment_score":0.06974688172340393}],"sentiment":"neutral","sentiment_score":0.10732817366061842,"channel":0,"num_words":85,"start":111.284996,"end":133.295},{"sentences":[{"text":"Okay.","start":132.845,"end":133.345,"sentiment":"neutral","sentiment_score":0.09498603641986848},{"text":"Yep.","start":133.80501,"end":134.30501,"sentiment":"neutral","sentiment_score":0.2320791780948639}],"sentiment":"neutral","sentiment_score":0.16353260725736618,"channel":1,"num_words":2,"start":132.845,"end":134.30501},{"sentences":[{"text":"Beautiful.","start":134.395,"end":134.895,"sentiment":"positive","sentiment_score":0.646842360496521},{"text":"Lovely.","start":135.195,"end":135.675,"sentiment":"positive","sentiment_score":0.5903245210647583},{"text":"Now this advice document has been limited to essentially superannuation and specifically the investments within your superannuation as the last time we sort touched base.","start":135.675,"end":144.26001,"sentiment":"neutral","sentiment_score":-0.054806135073304174},{"text":"One of your underlying investments had been underperforming a little bit, so we wanted to look at removing that one.","start":144.40001,"end":149.78,"sentiment":"neutral","sentiment_score":-0.23132172226905823},{"text":"And we did talk about maybe moving in and looking at the the late the SMA product, the separately managed account that we've been able to set up utilizing BlackRock as an investment manager as well.","start":150.0,"end":159.825,"sentiment":"neutral","sentiment_score":0.004210092877555225}],"sentiment":"neutral","sentiment_score":-0.05551635659109038,"channel":0,"num_words":83,"start":134.395,"end":159.825},{"sentences":[{"text":"So,","start":159.825,"end":160.325,"sentiment":"neutral","sentiment_score":0.0054678600281476974}],"sentiment":"neutral","sentiment_score":0.0054678600281476974,"channel":0,"num_words":1,"start":159.825,"end":160.325},{"sentences":[{"text":"Okay.","start":160.485,"end":160.985,"sentiment":"neutral","sentiment_score":0.04000679403543472}],"sentiment":"neutral","sentiment_score":0.04000679403543472,"channel":1,"num_words":1,"start":160.485,"end":160.985},{"sentences":[{"text":"essentially, utilizing this SMA account allows you to have a bit more allows us to have a bit more control around what the investments are.","start":160.865,"end":168.865,"sentiment":"neutral","sentiment_score":0.13690223753452302},{"text":"So with the how the markets are at the moment with a lot of ups and downs and a bit of uncertainty there, we're able to maneuver the investment within that SMA account without having to update this this advice regularly, which allows us and the investment committee a bit more control around what you're invested in, making sure we can maneuver things depending on what market circumstances look like.","start":168.865,"end":189.255,"sentiment":"neutral","sentiment_score":0.14091273386563574},{"text":"Okay?","start":189.255,"end":189.755,"sentiment":"neutral","sentiment_score":0.04931113123893738}],"sentiment":"neutral","sentiment_score":0.1389141504187137,"channel":0,"num_words":96,"start":160.865,"end":189.755},{"sentences":[{"text":"Right.","start":190.47499,"end":190.97499,"sentiment":"neutral","sentiment_score":0.19107869267463684}],"sentiment":"neutral","sentiment_score":0.19107869267463684,"channel":1,"num_words":1,"start":190.47499,"end":190.97499},{"sentences":[{"text":"Perfect.","start":191.575,"end":192.075,"sentiment":"positive","sentiment_score":0.43370521068573},{"text":"Now with this recommendation here, you'll see the current that shows where you currently are with your current balance and the current fees that you are in.","start":192.215,"end":199.58,"sentiment":"neutral","sentiment_score":0.12153840313355128},{"text":"With this one here, I have looked at the additional research.","start":199.72,"end":202.12001,"sentiment":"neutral","sentiment_score":0.038995198820802296},{"text":"I've looked at just replacing one investment as well as the SMA.","start":202.12001,"end":205.34001,"sentiment":"neutral","sentiment_score":0.07573219606031974},{"text":"Because one of the things you wanted us to have was a bit more control around maneuvering and changing those investments depending on conditions, I am recommending that we do move you into that SMA product there.","start":205.8,"end":215.935,"sentiment":"neutral","sentiment_score":0.1636692370111878}],"sentiment":"neutral","sentiment_score":0.12623565232338893,"channel":0,"num_words":88,"start":191.575,"end":215.935},{"sentences":[{"text":"Great.","start":216.485,"end":216.985,"sentiment":"positive","sentiment_score":0.6999261379241943}],"sentiment":"positive","sentiment_score":0.6999261379241943,"channel":1,"num_words":1,"start":216.485,"end":216.985},{"sentences":[{"text":"In order to do so, we're actually moving you changing the investment menu within Hub 24.","start":217.275,"end":222.795,"sentiment":"neutral","sentiment_score":0.2125674095004797},{"text":"So you'll stay in Hub 24.","start":222.795,"end":224.875,"sentiment":"neutral","sentiment_score":0.14978823065757751},{"text":"We're just maneuvering in the back end of the tick box, and it changed these from the core sorry, from the choice product into what's called the core products.","start":224.875,"end":232.53,"sentiment":"neutral","sentiment_score":0.13518139090517473},{"text":"They have different investment menus and different products in the Hub 24.","start":232.53,"end":236.23001,"sentiment":"neutral","sentiment_score":0.06803747406229377},{"text":"They 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administration","start":246.70499,"end":252.885,"sentiment":"neutral","sentiment_score":0.2362536981701851}],"sentiment":"neutral","sentiment_score":0.1526617281552818,"channel":0,"num_words":54,"start":236.69,"end":252.885},{"sentences":[{"text":"Okay.","start":252.98001,"end":253.48001,"sentiment":"neutral","sentiment_score":0.3145850598812103}],"sentiment":"neutral","sentiment_score":0.3145850598812103,"channel":1,"num_words":1,"start":252.98001,"end":253.48001},{"sentences":[{"text":"fees, and you'll see it's actually gonna save you about a $180 in admin fees, which is in which is really good.","start":253.185,"end":259.28,"sentiment":"positive","sentiment_score":0.5197570594874296},{"text":"Alright?","start":259.34,"end":259.84,"sentiment":"neutral","sentiment_score":0.2982087731361389}],"sentiment":"positive","sentiment_score":0.510124525298243,"channel":0,"num_words":23,"start":253.185,"end":259.84},{"sentences":[{"text":"Okay.","start":259.565,"end":260.065,"sentiment":"neutral","sentiment_score":0.27605026960372925},{"text":"Yep.","start":260.365,"end":260.865,"sentiment":"neutral","sentiment_score":0.30392879247665405}],"sentiment":"neutral","sentiment_score":0.28998953104019165,"channel":1,"num_words":2,"start":259.565,"end":260.865},{"sentences":[{"text":"And by moving into the SMA as well as separately managed the account there, we're keeping you in that high growth environment.","start":260.7,"end":266.56,"sentiment":"positive","sentiment_score":0.3908704587004401},{"text":"So not changing the asset allocation as such.","start":266.62,"end":268.94,"sentiment":"neutral","sentiment_score":0.2068661767989397},{"text":"You still have that high growth asset allocation, which is suited to your time horizon.","start":268.94,"end":273.295,"sentiment":"positive","sentiment_score":0.3618694086869558},{"text":"But it's actually gonna save you an investment fees, and we estimate, having a look at this, about a $135 in investment fees.","start":274.395,"end":280.95502,"sentiment":"positive","sentiment_score":0.46284696330194885},{"text":"So overall, it's a much cheaper product for you, and it saves you an investment fees, which is really important as well.","start":280.95502,"end":287.15002,"sentiment":"positive","sentiment_score":0.6194319874048233}],"sentiment":"positive","sentiment_score":0.4439456057217386,"channel":0,"num_words":90,"start":260.7,"end":287.15002},{"sentences":[{"text":"Okay?","start":287.15002,"end":287.65002,"sentiment":"neutral","sentiment_score":0.3069862127304077}],"sentiment":"neutral","sentiment_score":0.3069862127304077,"channel":0,"num_words":1,"start":287.15002,"end":287.65002},{"sentences":[{"text":"Perfect.","start":287.615,"end":288.115,"sentiment":"positive","sentiment_score":0.5856575965881348},{"text":"Yeah.","start":288.415,"end":288.915,"sentiment":"neutral","sentiment_score":0.32107993960380554}],"sentiment":"positive","sentiment_score":0.45336876809597015,"channel":1,"num_words":2,"start":287.615,"end":288.915},{"sentences":[{"text":"Perfect.","start":288.75,"end":289.25,"sentiment":"positive","sentiment_score":0.42280006408691406},{"text":"Now you will see at the top there, the difference is 1,883.","start":290.11002,"end":294.37003,"sentiment":"neutral","sentiment_score":0.10090929176658392},{"text":"That's","start":294.59003,"end":294.91,"sentiment":"neutral","sentiment_score":0.07592776417732239}],"sentiment":"neutral","sentiment_score":0.12211709496166025,"channel":0,"num_words":14,"start":288.75,"end":294.91},{"sentences":[{"text":"Yep.","start":294.895,"end":295.395,"sentiment":"neutral","sentiment_score":0.07718094438314438}],"sentiment":"neutral","sentiment_score":0.07718094438314438,"channel":1,"num_words":1,"start":294.895,"end":295.395},{"sentences":[{"text":"essentially the CDT.","start":294.91,"end":295.965,"sentiment":"neutral","sentiment_score":0.019032264749209087},{"text":"So because we are buy we are selling some investments, we are gonna, in fact, transfer as many as possible to limit the amount of CDT.","start":296.205,"end":303.345,"sentiment":"neutral","sentiment_score":0.05712131554117569},{"text":"But when we went back and completed the research, in order to move you into a separately managed account, We do know there are capital gains consequences.","start":303.965,"end":311.13,"sentiment":"neutral","sentiment_score":-0.04584095813333988},{"text":"This is all covered by your super fund, not by yourself, but it's still important to make sure we limit those where possible.","start":311.27002,"end":317.45,"sentiment":"neutral","sentiment_score":-0.1550842180200245}],"sentiment":"neutral","sentiment_score":-0.04129609981952589,"channel":0,"num_words":79,"start":294.91,"end":317.45},{"sentences":[{"text":"Mhmm.","start":318.035,"end":318.535,"sentiment":"neutral","sentiment_score":-0.021181944757699966}],"sentiment":"neutral","sentiment_score":-0.021181944757699966,"channel":1,"num_words":1,"start":318.035,"end":318.535},{"sentences":[{"text":"But we do estimate the CGT consequences for the change is about $1,883.","start":318.07,"end":323.85,"sentiment":"neutral","sentiment_score":-0.02565310909771002},{"text":"Your super fund will cover that and deal with that.","start":324.215,"end":326.455,"sentiment":"neutral","sentiment_score":0.04271735027432442},{"text":"We wanna make sure that once it's all completed, we'll keep reviewing the investments and keep reviewing your portfolio and everything with you as we are moving forward just to make sure that things are working harder, but we do want that to be made back as quickly as possible within the investment.","start":326.455,"end":341.80002,"sentiment":"neutral","sentiment_score":0.06836089836257808},{"text":"Okay?","start":342.1,"end":342.6,"sentiment":"neutral","sentiment_score":0.13797791302204132}],"sentiment":"neutral","sentiment_score":0.050062189749502516,"channel":0,"num_words":77,"start":318.07,"end":342.6},{"sentences":[{"text":"Thanks.","start":343.35498,"end":343.85498,"sentiment":"positive","sentiment_score":0.6118212938308716}],"sentiment":"positive","sentiment_score":0.6118212938308716,"channel":1,"num_words":1,"start":343.35498,"end":343.85498},{"sentences":[{"text":"Beautiful.","start":344.58002,"end":345.08002,"sentiment":"positive","sentiment_score":0.6641005277633667},{"text":"Now I am really honest, and I will let you know when we look at the returns, the SMA has shown a little bit lesser of a return, so about 1.93% when we compare that to your current portfolio.","start":345.46002,"end":357.525,"sentiment":"neutral","sentiment_score":-0.0049046269403054165},{"text":"Your current portfolio in the high growth environment over the last three years, according to the research, has averaged about 14.48%.","start":357.905,"end":365.125,"sentiment":"neutral","sentiment_score":0.051333437185911907},{"text":"However,","start":365.48,"end":365.88,"sentiment":"neutral","sentiment_score":-0.05251156538724899}],"sentiment":"neutral","sentiment_score":0.02416630149368317,"channel":0,"num_words":62,"start":344.58002,"end":365.88},{"sentences":[{"text":"Okay.","start":365.7,"end":366.2,"sentiment":"neutral","sentiment_score":-0.09206531196832655}],"sentiment":"neutral","sentiment_score":-0.09206531196832655,"channel":1,"num_words":1,"start":365.7,"end":366.2},{"sentences":[{"text":"you've actually not received that kind of return.","start":365.88,"end":368.2,"sentiment":"neutral","sentiment_score":-0.312963442876935},{"text":"So when I look at your super fund since inception, you've actually returned 24.9%, which when I averaged that over three years is about 8.3%.","start":368.2,"end":378.78,"sentiment":"neutral","sentiment_score":0.026679476909339427},{"text":"So I","start":378.84,"end":379.565,"sentiment":"neutral","sentiment_score":0.02497224509716034}],"sentiment":"neutral","sentiment_score":-0.051050746573933534,"channel":0,"num_words":35,"start":365.88,"end":379.565},{"sentences":[{"text":"Yes.","start":379.47498,"end":379.97498,"sentiment":"neutral","sentiment_score":0.054279837757349014}],"sentiment":"neutral","sentiment_score":0.054279837757349014,"channel":1,"num_words":1,"start":379.47498,"end":379.97498},{"sentences":[{"text":"do like projections and returns to be taken with a grain of salt because I know you're not gonna get 14% every single year over the next twenty odd years towards retirement","start":379.565,"end":388.54498,"sentiment":"neutral","sentiment_score":-0.09811747376807034}],"sentiment":"neutral","sentiment_score":-0.09811747376807034,"channel":0,"num_words":32,"start":379.565,"end":388.54498},{"sentences":[{"text":"Of course.","start":388.16998,"end":388.91,"sentiment":"neutral","sentiment_score":0.05277501419186592}],"sentiment":"neutral","sentiment_score":0.05277501419186592,"channel":1,"num_words":2,"start":388.16998,"end":388.91},{"sentences":[{"text":"then.","start":388.60498,"end":389.10498,"sentiment":"neutral","sentiment_score":0.09112803637981416},{"text":"So this is just more about the the investments being in best interest.","start":389.885,"end":394.05002,"sentiment":"neutral","sentiment_score":0.3062676363266431},{"text":"And the way that this makes the investments just for you is that moving to the estimate, as I said, it gives us a lot more control around maneuvering the investment there.","start":394.05002,"end":402.23,"sentiment":"positive","sentiment_score":0.4286646284162998},{"text":"It is a much cheaper option for you as well.","start":402.37003,"end":404.61002,"sentiment":"positive","sentiment_score":0.5811012566089631},{"text":"So saving fees generally helps to provide greater long term performance because you have more money invested there.","start":404.61002,"end":411.05502,"sentiment":"positive","sentiment_score":0.5131286159157753}],"sentiment":"positive","sentiment_score":0.44374598743947774,"channel":0,"num_words":74,"start":388.60498,"end":411.05502},{"sentences":[{"text":"So you will see on the next page, we have got a projection table there, and it does show that over the next ten years, if you were able to get the exact returns between these two portfolios, where we can see that return where we can see that sort of projected out to.","start":411.05502,"end":426.54,"sentiment":"neutral","sentiment_score":0.13928221076450967},{"text":"However, as","start":426.54,"end":427.18,"sentiment":"neutral","sentiment_score":0.00342581607401371}],"sentiment":"neutral","sentiment_score":0.13443019666842052,"channel":0,"num_words":56,"start":411.05502,"end":427.18},{"sentences":[{"text":"Yes.","start":427.10498,"end":427.60498,"sentiment":"neutral","sentiment_score":0.03848592936992645}],"sentiment":"neutral","sentiment_score":0.03848592936992645,"channel":1,"num_words":1,"start":427.10498,"end":427.60498},{"sentences":[{"text":"I mentioned, I take it with a grain of salt.","start":427.18,"end":429.26,"sentiment":"neutral","sentiment_score":0.007516831532120705},{"text":"Returns aren't the most important things for this document.","start":429.26,"end":432.4,"sentiment":"neutral","sentiment_score":0.02638196779621972},{"text":"What's important is making sure that we're meeting we're looking to meet your goals.","start":432.63498,"end":436.395,"sentiment":"neutral","sentiment_score":0.30641569729362217},{"text":"You've still got twenty 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moment.","start":448.69,"end":453.83,"sentiment":"negative","sentiment_score":-0.3854231640048649},{"text":"So","start":453.88998,"end":454.38998,"sentiment":"neutral","sentiment_score":-0.07758842408657074}],"sentiment":"negative","sentiment_score":-0.3725967165082693,"channel":0,"num_words":24,"start":448.69,"end":454.38998},{"sentences":[{"text":"Yeah.","start":453.995,"end":454.395,"sentiment":"neutral","sentiment_score":-0.07094523310661316},{"text":"Of course.","start":454.395,"end":455.135,"sentiment":"neutral","sentiment_score":-0.07636784017086029}],"sentiment":"neutral","sentiment_score":-0.07456030448277791,"channel":1,"num_words":3,"start":453.995,"end":455.135},{"sentences":[{"text":"I don't think anyone could have seen that coming, and who knows where we're gonna be next year as well.","start":456.29,"end":460.45,"sentiment":"neutral","sentiment_score":-0.21720925197005272},{"text":"So at this","start":460.45,"end":461.01,"sentiment":"neutral","sentiment_score":-0.03647506982088089}],"sentiment":"neutral","sentiment_score":-0.1936352282114651,"channel":0,"num_words":23,"start":456.29,"end":461.01},{"sentences":[{"text":"Mhmm.","start":460.95502,"end":461.45502,"sentiment":"neutral","sentiment_score":-0.02381703071296215}],"sentiment":"neutral","sentiment_score":-0.02381703071296215,"channel":1,"num_words":1,"start":460.95502,"end":461.45502},{"sentences":[{"text":"point, I think we're all looking to see where we're gonna be in next month.","start":461.01,"end":465.405,"sentiment":"neutral","sentiment_score":-0.017698016141851743}],"sentiment":"neutral","sentiment_score":-0.017698016141851743,"channel":0,"num_words":15,"start":461.01,"end":465.405},{"sentences":[{"text":"That 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it?","start":469.905,"end":471.76498,"sentiment":"neutral","sentiment_score":-0.304950088262558}],"sentiment":"neutral","sentiment_score":-0.304950088262558,"channel":0,"num_words":4,"start":469.905,"end":471.76498},{"sentences":[{"text":"Mhmm.","start":472.06,"end":472.56,"sentiment":"neutral","sentiment_score":-0.029234550893306732}],"sentiment":"neutral","sentiment_score":-0.029234550893306732,"channel":1,"num_words":1,"start":472.06,"end":472.56},{"sentences":[{"text":"So, essentially, when I go back and do the research for you, this recommendation does work in your best interest.","start":472.385,"end":477.665,"sentiment":"neutral","sentiment_score":0.19912555441260338},{"text":"So helping you to save in fees, which can provide a greater long term benefit.","start":477.665,"end":481.44,"sentiment":"positive","sentiment_score":0.35110780199368796},{"text":"When","start":481.9,"end":482.22,"sentiment":"neutral","sentiment_score":0.09048844873905182}],"sentiment":"neutral","sentiment_score":0.2594337935249011,"channel":0,"num_words":36,"start":472.385,"end":482.22},{"sentences":[{"text":"Correct.","start":482.095,"end":482.595,"sentiment":"neutral","sentiment_score":0.17294690012931824}],"sentiment":"neutral","sentiment_score":0.17294690012931824,"channel":1,"num_words":1,"start":482.095,"end":482.595},{"sentences":[{"text":"I look at how a high growth portfolio the environment is, we're sort of looking at to average around about eight to 10% return.","start":482.22,"end":489.12,"sentiment":"neutral","sentiment_score":0.13171123651166758},{"text":"So when I sort of look at the estimate, you are more likely to try and obtain more of a 12% return.","start":489.18,"end":494.63498,"sentiment":"neutral","sentiment_score":0.1778099997477098},{"text":"I'm not guaranteeing that every year.","start":494.63498,"end":496.63498,"sentiment":"neutral","sentiment_score":-0.06453632625440757},{"text":"But","start":496.63498,"end":496.875,"sentiment":"neutral","sentiment_score":-0.057759352028369904}],"sentiment":"neutral","sentiment_score":0.1250549502108457,"channel":0,"num_words":53,"start":482.22,"end":496.875},{"sentences":[{"text":"No.","start":496.86002,"end":497.36002,"sentiment":"neutral","sentiment_score":-0.06620196253061295}],"sentiment":"neutral","sentiment_score":-0.06620196253061295,"channel":1,"num_words":1,"start":496.86002,"end":497.36002},{"sentences":[{"text":"because we are sort of looking at how the estimate works and the fact that we can also invest this on a regular basis for you, you are probably more likely to be able to get something around that sort of 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this year to see a a probably a lower rate of return than what we have in previous years.","start":514.32,"end":524.52496,"sentiment":"neutral","sentiment_score":0.035058750556065485}],"sentiment":"neutral","sentiment_score":0.1339098877947906,"channel":0,"num_words":58,"start":508.56,"end":524.52496},{"sentences":[{"text":"Okay.","start":524.35,"end":524.85,"sentiment":"neutral","sentiment_score":0.1595897227525711}],"sentiment":"neutral","sentiment_score":0.1595897227525711,"channel":1,"num_words":1,"start":524.35,"end":524.85},{"sentences":[{"text":"But if we make those changes now, you've got a lot more time on your side to be able to allow your portfolio to recover, to start growing, 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OP Financial representative discusses Chloe's investment advice with her and recommends changing her investment menu to the core menu, which will save her money and increase her long term benefit. The speaker emphasizes the importance of meeting retirement goals and saving in fees for long-term success. The company is reducing risk levels and decreasing overall risk, and regular reviews with the customer can help achieve their goals. The agent offers to keep the customer in touch and provide updates on their portfolio and insurance recommendations."},"intents":{"segments":[{"text":"I had you booked in just to run through your updated advice document. Is now still a good time for you? Yes, please. Beautiful.","start_word":29,"end_word":52,"intents":[{"intent":"Check document status","confidence_score":0.006898797}]},{"text":"I'm gonna send you a copy of the document via email as well. Do you have access to your emails at the moment? Yeah.","start_word":53,"end_word":76,"intents":[{"intent":"Send document","confidence_score":0.55029243}]},{"text":"And just to do security there with you as well, we are discussing your personal information. I'll just need to confirm your full name, your address, and date of birth I should have on file.","start_word":128,"end_word":162,"intents":[{"intent":"Confirm security","confidence_score":0.26179862}]},{"text":"Thank you so much for that one. Now I've sent the email through with the document there attached. Just are you able to confirm if it popped through to you as of yet? Yeah.","start_word":193,"end_word":226,"intents":[{"intent":"Confirm document status","confidence_score":0.025745338}]},{"text":"One of your underlying investments had been underperforming a little bit, so we wanted to look at removing that one. And we did talk about maybe moving in and looking at the the late the SMA product, the separately managed account that we've been able to set up utilizing BlackRock as an investment manager as well. So, Okay.","start_word":474,"end_word":531,"intents":[{"intent":"Inquire about investments","confidence_score":0.0022592212}]},{"text":"I've looked at just replacing one investment as well as the SMA.","start_word":669,"end_word":680,"intents":[{"intent":"Compare investments","confidence_score":0.003375603}]},{"text":"In order to do so, we're actually moving you changing the investment menu within Hub 24. So you'll stay in Hub 24. We're just maneuvering in the back end of the tick box, and it changed these from the core sorry, from the choice product into what's called the core products.","start_word":718,"end_word":768,"intents":[{"intent":"Change investment menu","confidence_score":0.24179603}]},{"text":"fees, and you'll see it's actually gonna save you about a $180 in admin fees, which is in which is really good. Alright?","start_word":839,"end_word":861,"intents":[{"intent":"Save fees","confidence_score":0.12838338}]},{"text":"So because we are buy we are selling some investments, we are gonna, in fact, transfer as many as possible to limit the amount of CDT.","start_word":975,"end_word":1000,"intents":[{"intent":"Limit cdt","confidence_score":0.5733751}]},{"text":"So this is just more about the the investments being in best interest. And the way that this makes the investments just for you is that moving to the estimate, as I said, it gives us a lot more control around maneuvering the investment there. It is a much cheaper option for you as well.","start_word":1264,"end_word":1318,"intents":[{"intent":"Recommend investment options","confidence_score":0.00074204104}]},{"text":"So you will see on the next page, we have got a projection table there, and it does show that over the next ten years, if you were able to get the exact returns between these two portfolios, where we can see that return where we can see that sort of projected out to. However, as Yes.","start_word":1338,"end_word":1394,"intents":[{"intent":"Reporting portfolio returns","confidence_score":0.00001808466}]},{"text":"What's important is making sure that we're meeting we're looking to meet your goals.","start_word":1413,"end_word":1426,"intents":[{"intent":"Meeting meeting criteria","confidence_score":0.00028560942}]},{"text":"I don't think anyone could have seen that coming, and who knows where we're gonna be next year as well. So at this Mhmm. point, I think we're all looking to see where we're gonna be in next month.","start_word":1503,"end_word":1541,"intents":[{"intent":"Discussing future forecasts","confidence_score":0.022072578},{"intent":"Discussing future forecasts","confidence_score":0.14397928}]},{"text":"So, essentially, when I go back and do the research for you, this recommendation does work in your best interest. So helping you to save in fees, which can provide a greater long term benefit. When Correct.","start_word":1556,"end_word":1592,"intents":[{"intent":"Recommending future recommendations","confidence_score":0.0010372376}]},{"text":"I look at how a high growth portfolio the environment is, we're sort of looking at to average around about eight to 10% return. So when I sort of look at the estimate, you are more likely to try and obtain more of a 12% return.","start_word":1593,"end_word":1638,"intents":[{"intent":"Suggesting a higher growth portfolio","confidence_score":0.000014740429}]},{"text":"because we are sort of looking at how the estimate works and the fact that we can also invest this on a regular basis for you, you are probably more likely to be able to get something around that sort of return.","start_word":1647,"end_word":1688,"intents":[{"intent":"Discussing investment opportunities","confidence_score":0.009773018}]},{"text":"But if we make those changes now, you've got a lot more time on your side to be able to allow your portfolio to recover, to start growing, and Mhmm. to start compounding again. And then we'll just review things every year. If we find the estimate is not working in your benefit, then we can Yeah.","start_word":1754,"end_word":1810,"intents":[{"intent":"Review portfolios","confidence_score":0.017540544}]},{"text":"So another really important aspect is you wanna be getting good returns, but you wanna try and mitigate as much risk as as humanly possible when it comes to market fluctuations and and the market over the longer term. Yes.","start_word":2028,"end_word":2067,"intents":[{"intent":"Reduce risk in growth investments","confidence_score":0.0020827001}]},{"text":"So with the proposed inside the SMA there, you're actually reducing your gross asset allocation to about 88.87%.","start_word":2067,"end_word":2084,"intents":[{"intent":"Reduce asset allocation","confidence_score":0.097796954}]},{"text":"So the portfolio that you're in currently and all the reds, that essentially shows that we'll be selling all of those investments.","start_word":2206,"end_word":2227,"intents":[{"intent":"Sell investments","confidence_score":0.65329075}]},{"text":"So you'll see about 33.3% of your funds in the catalyst SMA product and then about 66.67 in the bloom.","start_word":2362,"end_word":2381,"intents":[{"intent":"Invest in catalyst sma products","confidence_score":0.0124168}]},{"text":"Once we move into the estimate product, you probably have about, you know, anywhere between 10 to 50 different investment options depending on what the markets require us to be invested in that particular point in time.","start_word":2463,"end_word":2499,"intents":[{"intent":"Evaluate investment options","confidence_score":0.050612085}]},{"text":"know we do regular yearly reviews, but did you maybe wanna see something a little bit more regular, maybe once every three months or six months moving forward?","start_word":2875,"end_word":2902,"intents":[{"intent":"Schedule regular reviews","confidence_score":0.031800322}]},{"text":"after you've, yeah, I know Michelle contacted you to get your ID this morning. So, yeah, you'll be able to make sure you keep in contact with us, and we'll make sure we contact you whenever we need to just sort of touch base.","start_word":3043,"end_word":3086,"intents":[{"intent":"Keep in contact with admin","confidence_score":0.024663594}]},{"text":"And if you decide you want reviews more often or even an ad hoc call, it's all part of our services and what we're here to provide. So we just wanna make sure it's more consistent for you moving forward. Okay?","start_word":3088,"end_word":3128,"intents":[{"intent":"Check consistency","confidence_score":0.003396853}]},{"text":"We've got the insurance scoped into a limited scope only, so it's about just letting you know that there's no changes to the insurance recommendations there.","start_word":3183,"end_word":3208,"intents":[{"intent":"Discuss insurance recommendations","confidence_score":0.09730959}]},{"text":"have also the advantages, disadvantages, the risks involved, and any alternatives considered that notes in the documents.","start_word":3272,"end_word":3288,"intents":[{"intent":"Identify advantages and disadvantages of an alternative","confidence_score":1.2305252e-9},{"intent":"Discuss a possible alternative","confidence_score":0.00045712653}]},{"text":"have also the advantages, disadvantages, the risks involved, and any alternatives considered that notes in the documents. So you're welcome to run your eyes over those. Let me know if you happen to have any questions at all, and if you're happy to take on those recommendations and move into the estimate product to start with, knowing what we can review that and always move out if it doesn't work for you.","start_word":3272,"end_word":3343,"intents":[{"intent":"Review and recommend alternatives","confidence_score":0.00045395351}]},{"text":"have also the advantages, disadvantages, the risks involved, and any alternatives considered that notes in the documents. So you're welcome to run your eyes over those. Let me know if you happen to have any questions at all, and if you're happy to take on those recommendations and move into the estimate product to start with, knowing what we can review that and always move out if it doesn't work for you. Of I'll course.","start_word":3272,"end_word":3346,"intents":[{"intent":"Commit to consider the alternative options","confidence_score":4.1954125e-9}]},{"text":"just get you to return that back at sign and return the document Yes.","start_word":3347,"end_word":3360,"intents":[{"intent":"Request a return","confidence_score":0.00199281}]},{"text":"That's not a problem at all. I'll get I'll see if I can get a hold of that change report now from our investment committee, and I'll send it to you in the email.","start_word":3392,"end_word":3425,"intents":[{"intent":"Send change report","confidence_score":0.21322548}]}]},"sentiments":{"segments":[{"text":"Hello. Chloe speaking. Hi, Chloe. Hi, It's Dana Chloe. from Financial. How are you today?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.153278186917305},{"text":"I'm well. Thanks, Dana. And yourself? I'm very well. Thank you. Thanks for asking.","start_word":15,"end_word":28,"sentiment":"positive","sentiment_score":0.589050829410553},{"text":"I had you booked in just to run through your updated advice document. Is now still a good time for you? Yes, please.","start_word":29,"end_word":51,"sentiment":"neutral","sentiment_score":0.2710682451725006},{"text":"Beautiful.","start_word":52,"end_word":52,"sentiment":"positive","sentiment_score":0.6096950173377991},{"text":"I'm gonna send you a copy of the document via email as well. Do you have access to your emails at the moment? Yeah. I Yep.","start_word":53,"end_word":78,"sentiment":"neutral","sentiment_score":0.21282926201820376},{"text":"Beautiful. Lovely. I'll send that one through to you now.","start_word":79,"end_word":88,"sentiment":"positive","sentiment_score":0.4770348370075226},{"text":"Now just to avoid jumping to the call moving forward, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that one, Chloe? do. Yes.","start_word":89,"end_word":126,"sentiment":"neutral","sentiment_score":0.1552552878856659},{"text":"Beautiful.","start_word":127,"end_word":127,"sentiment":"positive","sentiment_score":0.43112796545028687},{"text":"And just to do security there with you as well, we are discussing your personal information. I'll just need to confirm your full name, your address, and date of birth I should have on file. Chloe Forrest oh, sorry. Full name, Chloe Forrest. Address, 68 Oxley Yep. Avenue, Padbury, and sorry. What was the other one? Date of birth, fourth of Yeah. April 1986.","start_word":128,"end_word":191,"sentiment":"neutral","sentiment_score":0.05668802931904793},{"text":"Beautiful. Thank you so much for that one.","start_word":192,"end_word":199,"sentiment":"positive","sentiment_score":0.603179931640625},{"text":"Now I've sent the email through with the document there attached. Just are you able to confirm if it popped through to you as of yet? Yeah. It has.","start_word":200,"end_word":228,"sentiment":"neutral","sentiment_score":0.17870394885540009},{"text":"Beautiful. Lovely.","start_word":229,"end_word":230,"sentiment":"positive","sentiment_score":0.4481261968612671},{"text":"So when you open that one there, you'll be able to review the document. I believe there is a button on the front that says sign. You may have to click that button so you can kinda go through and review the document. They'll never ask you to sign anything that you haven't read through. It just allows you to move it up and down throughout the documents there. Okay. Okay. Yes.","start_word":231,"end_word":302,"sentiment":"neutral","sentiment_score":0.1573159545660019},{"text":"Beautiful.","start_word":303,"end_word":303,"sentiment":"positive","sentiment_score":0.5226263403892517},{"text":"Now when you open that one up, you will see on the front page that a statement of advice has been prepared for yourself, Chloe, for us as of the seventh April twenty twenty six, prepared by myself and my lovely team here at OP Financial. My registered license number with ASDIC is 1304394. Okay.","start_word":304,"end_word":358,"sentiment":"neutral","sentiment_score":0.06730446964502335},{"text":"Right. Beautiful.","start_word":359,"end_word":360,"sentiment":"positive","sentiment_score":0.4997459053993225},{"text":"Now when you've got that one open, what I'll get you to do, just to make it nice and easy, you're welcome to go back and read you the document prior to signing it, but so as I'm not sort of going through all the different pages and making it a little bit over the top, if I can only get you to scroll down for me, it's just the page number 20, and we'll just go through the recommendations there for you. Okay. Okay. Yep.","start_word":361,"end_word":446,"sentiment":"neutral","sentiment_score":0.10843036323785782},{"text":"Beautiful. Lovely.","start_word":447,"end_word":448,"sentiment":"positive","sentiment_score":0.6185834407806396},{"text":"Now this advice document has been limited to essentially superannuation and specifically the investments within your superannuation as the last time we sort touched base. One of your underlying investments had been underperforming a little bit, so we wanted to look at removing that one. And we did talk about maybe moving in and looking at the the late the SMA product, the separately managed account that we've been able to set up utilizing BlackRock as an investment manager as well. So, Okay. essentially, utilizing this SMA account allows you to have a bit more allows us to have a bit more control around what the investments are. So with the how the markets are at the moment with a lot of ups and downs and a bit of uncertainty there, we're able to maneuver the investment within that SMA account without having to update this this advice regularly, which allows us and the investment committee a bit more control around what you're invested in, making sure we can maneuver things depending on what market circumstances look like. Okay? Right.","start_word":449,"end_word":628,"sentiment":"neutral","sentiment_score":0.03959301486611366},{"text":"Perfect.","start_word":629,"end_word":629,"sentiment":"positive","sentiment_score":0.43370521068573},{"text":"Now with this recommendation here, you'll see the current that shows where you currently are with your current balance and the current fees that you are in. With this one here, I have looked at the additional research. I've looked at just replacing one investment as well as the SMA. Because one of the things you wanted us to have was a bit more control around maneuvering and changing those investments depending on conditions, I am recommending that we do move you into that SMA product there.","start_word":630,"end_word":716,"sentiment":"neutral","sentiment_score":0.1219749486651914},{"text":"Great.","start_word":717,"end_word":717,"sentiment":"positive","sentiment_score":0.6999261379241943},{"text":"In order to do so, we're actually moving you changing the investment menu within Hub 24. So you'll stay in Hub 24. We're just maneuvering in the back end of the tick box, and it changed these from the core sorry, from the choice product into what's called the core products. They have different investment menus and different products in the Hub 24. They have Okay. the lowest tier, which is the cheapest option discovery, then it goes core, then it goes choice, and choice is a higher level of menu, so it is a more expensive product to hold. By changing your underlying hub 24 menu to the core menu, we're actually gonna be making it cheaper in administration Okay.","start_word":718,"end_word":838,"sentiment":"neutral","sentiment_score":0.1517786979675293},{"text":"fees, and you'll see it's actually gonna save you about a $180 in admin fees, which is in which is really good.","start_word":839,"end_word":860,"sentiment":"positive","sentiment_score":0.5246133804321289},{"text":"Alright? Okay. Yep.","start_word":861,"end_word":863,"sentiment":"neutral","sentiment_score":0.29481416940689087},{"text":"And by moving into the SMA as well as separately managed the account there, we're keeping you in that high growth environment.","start_word":864,"end_word":885,"sentiment":"positive","sentiment_score":0.38796043395996094},{"text":"So not changing the asset allocation as such.","start_word":886,"end_word":893,"sentiment":"neutral","sentiment_score":0.20825792849063873},{"text":"You still have that high growth asset allocation, which is suited to your time horizon. But it's actually gonna save you an investment fees, and we estimate, having a look at this, about a $135 in investment fees. So overall, it's a much cheaper product for you, and it saves you an investment fees, which is really important as well.","start_word":894,"end_word":953,"sentiment":"positive","sentiment_score":0.5022165775299072},{"text":"Okay?","start_word":954,"end_word":954,"sentiment":"neutral","sentiment_score":0.3069862127304077},{"text":"Perfect.","start_word":955,"end_word":955,"sentiment":"positive","sentiment_score":0.5856575965881348},{"text":"Yeah.","start_word":956,"end_word":956,"sentiment":"neutral","sentiment_score":0.32107993960380554},{"text":"Perfect.","start_word":957,"end_word":957,"sentiment":"positive","sentiment_score":0.42280006408691406},{"text":"Now you will see at the top there, the difference is 1,883. That's Yep. essentially the CDT. So because we are buy we are selling some investments, we are gonna, in fact, transfer as many as possible to limit the amount of CDT. But when we went back and completed the research, in order to move you into a separately managed account, We do know there are capital gains consequences. This is all covered by your super fund, not by yourself, but it's still important to make sure we limit those where possible. Mhmm. But we do estimate the CGT consequences for the change is about $1,883. Your super fund will cover that and deal with that. We wanna make sure that once it's all completed, we'll keep reviewing the investments and keep reviewing your portfolio and everything with you as we are moving forward just to make sure that things are working harder, but we do want that to be made back as quickly as possible within the investment. Okay?","start_word":958,"end_word":1128,"sentiment":"neutral","sentiment_score":0.011243674708040136},{"text":"Thanks. Beautiful.","start_word":1129,"end_word":1130,"sentiment":"positive","sentiment_score":0.6379609107971191},{"text":"Now I am really honest, and I will let you know when we look at the returns, the SMA has shown a little bit lesser of a return, so about 1.93% when we compare that to your current portfolio. Your current portfolio in the high growth environment over the last three years, according to the research, has averaged about 14.48%. However, Okay. you've actually not received that kind of return. So when I look at your super fund since inception, you've actually returned 24.9%, which when I averaged that over three years is about 8.3%. So I Yes. do like projections and returns to be taken with a grain of salt because I know you're not gonna get 14% every single year over the next twenty odd years towards retirement Of course. then. So this is just more about the the investments being in best interest.","start_word":1131,"end_word":1276,"sentiment":"neutral","sentiment_score":-0.005096493288874626},{"text":"And the way that this makes the investments just for you is that moving to the estimate, as I said, it gives us a lot more control around maneuvering the investment there. It is a much cheaper option for you as well. So saving fees generally helps to provide greater long term performance because you have more money invested there.","start_word":1277,"end_word":1336,"sentiment":"positive","sentiment_score":0.48509159684181213},{"text":"So you will see on the next page, we have got a projection table there, and it does show that over the next ten years, if you were able to get the exact returns between these two portfolios, where we can see that return where we can see that sort of projected out to. However, as Yes. I mentioned, I take it with a grain of salt. Returns aren't the most important things for this document. What's important is making sure that we're meeting we're looking to meet your goals. You've still got twenty years ahead of you. It's still a long time when markets are changing and altering and reacting. And, I mean, when you sort of look at where we were last year, no one would have thought we were where we are this year. No Yeah.","start_word":1337,"end_word":1475,"sentiment":"neutral","sentiment_score":0.03332270681858063},{"text":"one would have thought we'd have this fuel crisis or the the market ups and downs that we are seeing at the moment.","start_word":1476,"end_word":1498,"sentiment":"negative","sentiment_score":-0.38416802883148193},{"text":"So Yeah. Of course. I don't think anyone could have seen that coming, and who knows where we're gonna be next year as well. So at this Mhmm. point, I think we're all looking to see where we're gonna be in next month. That is So crazy, isn't it?","start_word":1499,"end_word":1547,"sentiment":"neutral","sentiment_score":-0.1252593994140625},{"text":"Crazy world brand.","start_word":1548,"end_word":1550,"sentiment":"negative","sentiment_score":-0.3883801698684693},{"text":"it's insane, isn't it? Mhmm. So, essentially, when I go back and do the research for you, this recommendation does work in your best interest.","start_word":1551,"end_word":1575,"sentiment":"neutral","sentiment_score":0.028386449441313744},{"text":"So helping you to save in fees, which can provide a greater long term benefit.","start_word":1576,"end_word":1590,"sentiment":"positive","sentiment_score":0.3454233407974243},{"text":"When Correct. I look at how a high growth portfolio the environment is, we're sort of looking at to average around about eight to 10% return. So when I sort of look at the estimate, you are more likely to try and obtain more of a 12% return. I'm not guaranteeing that every year. But No. because we are sort of looking at how the estimate works and the fact that we can also invest this on a regular basis for you, you are probably more likely to be able to get something around that sort of return. I'd like you to get Okay.","start_word":1591,"end_word":1694,"sentiment":"neutral","sentiment_score":0.1211618110537529},{"text":"a much greater return each year.","start_word":1695,"end_word":1700,"sentiment":"positive","sentiment_score":0.5202077627182007},{"text":"And we know some user might get a 25% return, a 20% return. Some user might only be a 3% return, and this year is gonna be a bit volatile, and I'd expect this year to see a a probably a lower rate of return than what we have in previous years. Okay. But if we make those changes now, you've got a lot more time on your side to be able to allow your portfolio to recover, to start growing, and Mhmm. to start compounding again. And then we'll just review things every year. If we find the estimate is not working in your benefit, then we can Yeah. always look Great.","start_word":1701,"end_word":1813,"sentiment":"neutral","sentiment_score":0.11185890436172484},{"text":"at other options to keep things working for you.","start_word":1814,"end_word":1822,"sentiment":"positive","sentiment_score":0.3806387484073639},{"text":"Does that make Perfect. sense? Yes. It does. Yeah.","start_word":1823,"end_word":1831,"sentiment":"neutral","sentiment_score":0.1832023411989212},{"text":"Beautiful. Beautiful. Another really good aspect of the estimate and why it does work in best interest for you is if you go to this one page above there for me.","start_word":1832,"end_word":1862,"sentiment":"positive","sentiment_score":0.4301778078079224},{"text":"What page of the number is that? Sorry. 19? So sorry. It's 19. Yeah. Yep. So this sort of shows you in that high growth environment, we normally like to see about a ninety ten split between growth and defensive assets there. So as of the moment with your current portfolio, you've got about 90.43% in growth investments. Those are more of those high risk investments where you're hoping to get a greater level of return and then about 9.57% in defense. It's the lower risk investments that generally that'll help smooth out long term market fluctuations a bit. They're more for cash producing. With Okay. the SMA, we're actually lowering the overall risk level, and it's one of the aspects and why we like to be able to use BlackRock BlackRock's investment team is we get access to the analysts in order to build these sorts of portfolios, and the analysts can help us to look at the amount of risk you're taking.","start_word":1863,"end_word":2026,"sentiment":"neutral","sentiment_score":0.17507638037204742},{"text":"So another really important aspect is you wanna be getting good returns, but you wanna try and mitigate as much risk as as humanly possible when it comes to market fluctuations and and the market over the longer term. Yes. So with the proposed inside the SMA there, you're actually reducing your gross asset allocation to about 88.87%. We do allow for about a 10% variance in the in the gross and defensive asset allocation there. So the 88.87 is within that 10 variance, which is perfectly fine. It's actually reducing your risk in those growth investments, so reducing your risk in the portfolio overall, increasing some of those defensive assets to 11.13% to help lower the risk level, but still give you as good of return as we can obtain and making sure that the portfolio is working harder as well.","start_word":2027,"end_word":2168,"sentiment":"positive","sentiment_score":0.48183026909828186},{"text":"Does that make sense? Right. Yep. Yeah. Do you have any questions so far at all? No. It's all good. No?","start_word":2169,"end_word":2189,"sentiment":"neutral","sentiment_score":0.09541577100753784},{"text":"Beautiful.","start_word":2190,"end_word":2190,"sentiment":"positive","sentiment_score":0.3389618694782257},{"text":"If you just go up to page number 17 there, you'll essentially see the difference. So the portfolio that you're in currently and all the reds, that essentially shows that we'll be selling all of those investments. Essentially, in order to transfer into the SMA, we we tell Hub twenty four that we wanna sell everything and what we wanna buy, and they will, in the back end, go back and look at what you have owned for longer, try to sell things in a more tax effective way. But anything that's currently existing within the estimate product, they'll also try to in space the transfer over that mitigates as much of the tax consequences as possible for your super fund. But this essentially shows what you'll see when you look at your super fund once we've completed the change there, you'll actually see that you've got we've incorporated a mix of two of the SMA products to keep that $90.10 sort of split for you in a high growth environment. So you'll see about 33.3% of your funds in the catalyst SMA product and then about 66.67 in the bloom. So this is what you'll Mhmm. actually see. And what we can do is every sort of quarter the investment committee meets, whenever they do make changes to the product, we do get change reports. So we can once those whenever there's a change within the estimate, we can always email you through those change reports. So unlike your portfolio at the moment, you won't see all the underlying investments because at the moment, you've got about eight or nine there. Once we move into the estimate product, you probably have about, you know, anywhere between 10 to 50 different investment options depending on what the markets require us to be invested in that particular point in time. So you'll just see the bloom and the catalyst there with the amounts of money invested between those. And then if you would like me to, every time we see they let us know that there are some changes being made to the estimated products, then we can always send through change reports to you as well so you can kinda see what the underlying looks like for you at that particular time. Okay? Yeah.","start_word":2191,"end_word":2574,"sentiment":"neutral","sentiment_score":0.10948355579360698},{"text":"That sounds good. Thank you.","start_word":2575,"end_word":2579,"sentiment":"positive","sentiment_score":0.5518559217453003},{"text":"Yep. That's okay.","start_word":2580,"end_word":2582,"sentiment":"neutral","sentiment_score":0.22701513767242432},{"text":"Not a problem at all. We always get notified, and we have a really lovely meeting.","start_word":2583,"end_word":2598,"sentiment":"positive","sentiment_score":0.5166888236999512},{"text":"We just had one about a week ago oh, sorry. About two weeks ago, just to sort of have a look at where markets are going and what the changes look like. So if you like, I can even, after the call, send through a copy of that change report, and you're welcome to have a bit of a look at what the underlying sort of look like at the moment. Okay?","start_word":2599,"end_word":2670,"sentiment":"neutral","sentiment_score":0.2206244319677353},{"text":"Beautiful. Yeah. Excellent.","start_word":2671,"end_word":2673,"sentiment":"positive","sentiment_score":0.56663978099823},{"text":"With the advice documents there, as I mentioned, it is sort of just sort of scoped into the superannuation and the investments there.","start_word":2674,"end_word":2696,"sentiment":"neutral","sentiment_score":0.23093782365322113},{"text":"We are wanting to make sure that you're invested in a way that suits your investment goals, and we are working towards your retirement.","start_word":2697,"end_word":2720,"sentiment":"positive","sentiment_score":0.3565785586833954},{"text":"So, hopefully, being able to retire around about the age of 60 there, being in a SMA product does not take away the need for regular reviews.","start_word":2721,"end_word":2747,"sentiment":"neutral","sentiment_score":0.23408502340316772},{"text":"So at the moment, you've got a really good time horizon ahead of you.","start_word":2748,"end_word":2761,"sentiment":"positive","sentiment_score":0.3681064546108246},{"text":"That high growth environment still does suit, but you might find, as you get closer to accessing super, that you don't wanna be in that kind of environment. Most people, Yeah. when Of they're about eight years away, course. decide to Yes. pull back a little bit. But sometimes when you're about ten or even fifteen years away, some people still feel a bit more concerned and wanna kinda draw back a little bit. So Yeah. I do Of wanna course. still do regular reviews with you and just make sure Yep.","start_word":2762,"end_word":2853,"sentiment":"neutral","sentiment_score":-0.03269767761230469},{"text":"things are working harder for you, give you Fantastic. an update on how the portfolio is working as well.","start_word":2854,"end_word":2872,"sentiment":"positive","sentiment_score":0.4162108302116394},{"text":"I Right. know we do regular yearly reviews, but did you maybe wanna see something a little bit more regular, maybe once every three months or six months moving forward? What's more preferable for yourself, Chloe? I think annual's fine at the Yep. moment. But, yeah, Yep. good question to ask, back in case you're as we get closer to retirement. Yeah. Not a problem at all. If you find that that changes and you want something a bit more regular, you're welcome to let me know. We've had some business changes as well. So I've sort of added you to my book individually, so I'll be the only adviser that you'll be able to you'll talk to just to kinda keep things smooth.","start_word":2873,"end_word":2996,"sentiment":"neutral","sentiment_score":0.15459977090358734},{"text":"I can keep it kind of in unison for you, Great.","start_word":2997,"end_word":3007,"sentiment":"positive","sentiment_score":0.33904829621315},{"text":"and Yeah.","start_word":3008,"end_word":3009,"sentiment":"neutral","sentiment_score":0.2871246635913849},{"text":"then you'll Thank be you.","start_word":3010,"end_word":3014,"sentiment":"positive","sentiment_score":0.35102617740631104},{"text":"able to contact my admin, Michelle, and she'll be able to she'll be the one that contacts you to do regular reviews and things like that.","start_word":3015,"end_word":3040,"sentiment":"neutral","sentiment_score":0.2590572237968445},{"text":"So Fantastic.","start_word":3041,"end_word":3042,"sentiment":"positive","sentiment_score":0.6071469187736511},{"text":"after you've, yeah, I know Michelle contacted you to get your ID this morning. So, yeah, you'll be able to make sure you keep in contact with us, and we'll make sure we contact you whenever we need to just sort of touch base. And if you decide you want reviews more often or even an ad hoc call, it's all part of our services and what we're here to provide. So we just wanna make sure it's more consistent for you moving forward. Okay?","start_word":3043,"end_word":3127,"sentiment":"neutral","sentiment_score":0.2269653337843278},{"text":"Thank you, Dana. Oh, that's okay. It's not a problem. It's been a pleasure. I've really enjoyed doing this research there for you. I just I'll let you go back and have a bit of a read of the document there.","start_word":3128,"end_word":3168,"sentiment":"positive","sentiment_score":0.5666313767433167},{"text":"Feel free to let me know if you do happen to have any questions. We've got the insurance scoped into a limited scope only, so it's about just letting you know that there's no changes to the insurance recommendations there. I've only scoped them into a limited capacity just because it's the it affects the kind of the projections moving forward. Your insurance premiums are paid out of your super funds, and Yes. they do get accounted into that projection table. So I Yes.","start_word":3169,"end_word":3252,"sentiment":"neutral","sentiment_score":0.14653652906417847},{"text":"do like to make sure that's accounted for and nice and clearly set out for you.","start_word":3253,"end_word":3268,"sentiment":"positive","sentiment_score":0.3921623229980469},{"text":"We do Lovely. have also the advantages, disadvantages, the risks involved, and any alternatives considered that notes in the documents. So you're welcome to run your eyes over those. Let me know if you happen to have any questions at all, and if you're happy to take on those recommendations and move into the estimate product to start with, knowing what we can review that and always move out if it doesn't work for you. Of I'll course. just get you to return that back at sign and return the document Yes. back for me. Of Does course. that make I'll have a sense? have a full rate, Yeah. and I'll execute Beautiful. hopefully by the end of the day. Yeah. That's okay. That's not a problem at all. I'll get I'll see if I can get a hold of that change report now from our investment committee, and I'll send it to you in the email.","start_word":3269,"end_word":3425,"sentiment":"neutral","sentiment_score":0.14123255014419556},{"text":"That way you've also got my email address, and you're welcome to keep that and send me any emails.","start_word":3426,"end_word":3444,"sentiment":"positive","sentiment_score":0.4152571260929108},{"text":"You might have questions at a random time or even just, you know, contact me. Go, Dana. I need to have a bit of a catch up with you, and I'll Yes.","start_word":3445,"end_word":3476,"sentiment":"neutral","sentiment_score":0.2142732739448547},{"text":"make time to have a chat and see how things are going for you.","start_word":3477,"end_word":3490,"sentiment":"positive","sentiment_score":0.3776330351829529},{"text":"Okay?","start_word":3491,"end_word":3491,"sentiment":"neutral","sentiment_score":0.2308807224035263},{"text":"Thanks, Dana. That's okay. Not a problem at all. That's everything I needed to run through with you. But, yeah, let me know if there's anything you need, any questions you have. I'm more than happy to make time to have a chat. Okay? Thank you so much. Chat soon. No worries. Thanks for your time today, Chloe. Thanks. Have a Bye. great rest of your day. See you And later.","start_word":3492,"end_word":3562,"sentiment":"positive","sentiment_score":0.5626549124717712},{"text":"you. Bye. Bye.","start_word":3563,"end_word":3565,"sentiment":"neutral","sentiment_score":0.24571064114570615}],"average":{"sentiment":"neutral","sentiment_score":0.17632259742442508}}}}