{"metadata":{"transaction_key":"deprecated","request_id":"f7621ef6-9893-4b67-b219-d78007b24b47","sha256":"8f83c66f428c9b29f175c71a067ea8271c5c911a13c3ac0500eeebb5ca9a659a","created":"2026-03-11T22:12:17.319Z","duration":660.88794,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":2888,"output_tokens":106},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3189,"output_tokens":3196},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3189,"output_tokens":480}},"results":{"channels":[{"alternatives":[{"transcript":"Good morning, Marcus. It's Carl calling from IP Financial. How are you today? Not a problem at all. Yep. Is is now a better time for you, Marcus, to complete that seven? Yep. I'll make it really, really quick. I'll send you the document. You can have a run through. And then, you know, if you've got any questions, you can come back to me. It's a pretty straightforward advice piece, so it shouldn't take too long at all. Brilliant. So this would just be going out to Marcus17@atme.com. Just had to double check that. Brilliant. So with that, you'll have it's through OdooSign. So it's a little bit different to the DocuSign if you've previously. You'll have the statement advice, the appendix to that. You'll also have the OQ services guide and then the OQ financial services guide just because they've updated that as a business with a few changes that have occurred. With that, there will be assignable link with that document as well. If you were to sort of go ahead with the advice and be happy with it, it's important that you do draw your signature. You don't just use the prefill option because it will just put your name in cursive and it's not too great. In terms of the statement of advice, please say it's prepared for yourself by myself, Kyle Giddings, as an authorized representative on Oakview Financial. You can look us both up. We're all legit if you do have any concerns. In terms of what we did consider under the scope there, I know you're pretty happy with how everything was traveling. It just was identified that that Benelon fund wasn't doing too fantastic. So we just want to look at some alternatives to replace that. In addition to that, within regards to, like, estate planning, things like that, you're largely happy. You know, just going to address the will when you had a a chance and your beneficiary forms were, you know, as to your satisfaction at the moment. So we didn't address those. It's just important to note that, you know, should you not have a will and something does go wrong, that you really should, you know, address that sooner rather than later. As far as the insurances, you are happy with the amount of cover that you did have, and you didn't wanna review it at this time, so that's been scoped out. It's only been put in there to sorta illustrate the the the cost and the the shortfalls and things like that as well. Now as far as the debt, you're happy with anything that yourself. And as far as, like, investing down the track as well, you are happy to reach out should you feel like you wanna address sort of outside super investments or anything other than what you currently have within your your home or an investment property, things like that. Great. On page eight, you'll be able to see details. Just make sure they're all correct. Page nine will have your assets and liabilities. The next page over will just have your current position with your insurances and then also your superannuation there as well. You scored growth. We kept you in growth just based on your risk tolerance and your time till retirement. You do have plenty of time, unfortunately, working life behind you, so you gotta do it a little bit longer. So you can more than afford to take on that eighty twenty split of close to defensive. Now in regards to the recommendation there, we are just recommending replace that band along at least for the time being with an Australian 200 replacement, and then just updating the entire portfolio just to make it a little bit more updated for the way the investment direction is working with the the investment committee there as well. So within regards to that, you will be removing your active management at the moment. You'll be more of a passive approach. This approach will also save you money in terms of the cost that you're spending in investment fees each year. In addition to that one, there as well, they are just tracking the market indices there. You don't have that the ability to outperform the market per se, but in saying that given that, you know, one of your active funds did quite well, one did quite poorly, it kind of balanced out anyway. If you track the indices, it might have performed a little bit better there as well and at a lower cost. You'll still have the same allocation to growth assets as opposed to the defensive assets. So it'll still be, you know, around the 85% growth and then 20% or, like, 15% defensive just based on the way they allocate, you know, our gold and the the portions to growth versus defensive being mainly a growth asset at the moment. Now the benefit of that with is still in line with your risk profile. You'll still be an ongoing client with Oakview. You'll have a lower investment cost and a better track history for the investments that you will be going into moving forward, if that makes sense. Yep. So within regards to that, the main risk there given the way the markets are volatile at the moment, selling down to cash and then reinvesting, there is also the the risk that, you know, during that time frame, there could be dips and rises just on what's occurring. As long as they don't occur, like, too sort of rapidly there, it shouldn't affect your portfolio too much. Even if it takes a dive, you sell you buy back in, you sell low, buy low sort of thing. It's when it sort of jumps in the meantime. If anything, if you sold the cash and it takes a bit of a dip and you reinvest, it might sort of put you in a bit of a better position. If it goes the other way, it might put you in a little bit of a worse off position, but it may be only by a few percentage in terms of, like, missed growth, if that makes sense. We did also look at, you know, changing to a a cheaper retail platform with things that have changed in the, you know, the market and how that has gone. But given that, you know, Hub twenty fours were quite competitive in the market in terms of their pricing, their features are quite good as well. And then given the amount of capital gains that you do have a liable on your account currently, this investment switch will lower the amount of capital gains you have to pay. The loss from Benelon will offset that as well, which will mean that you're not spending as much money to change over those investments moving forward. It will sort of show you sort of as an illustration what that might look like in five to ten years' time, but as it's, like, illustrations are there just to to be taken with a grain of salt given that they can, you know, fluctuate. And the fact is is that performance is never guaranteed. It's one of those things and the risk you do take with investing, unfortunately. Do you have any questions in regards to that investment switch or that at all there? Yeah. Yeah. And, obviously, active, you do have the potential to, you know, get that ability to outperform the the market. And with that, though, it comes to the risk that that manager risk that they might not perform much like what happened with Benelon. Now with that as well-being in those index investments over the long term period of time, even when you get a really good fund manager, eventually, sort of, they do have some bad years and it kinda works out that, you know, over a ten to fifteen year period, generally, those index sort of investment funds do outperform as if you obviously change things around, you can still do that. But given that, you know, you're just wanting to to make sure you're getting that sustained long term growth and you're sort of not too, you know, fast with the the risk of, like, having more risk for more return. You just wanna have steady growth within your superannuation. We went with that more index option for you at least moving forward. Not to say we can't change it if you did wanna add a satellite back in down the track to try and have the ability to outperform the markets. We can definitely do that as well. But in saying that just with the way the markets are at the moment and hard to pick the the winners in regards to, you know, what is happening, the index investment, at least you get that diversification and that lack of manager risk at least for the time being moving forward. Yeah. So as I said, roughly the same split in regards to your risk profile there. Currently, it's around 85% growth and around 14% defensive or 15%, and then it's around eighty six fourteen moving forward. And that's purely because gold is considered a growth asset at the moment in the way they're allocating it there. In regards to insurances there, feel free to have a look and see the the amounts you're insured for and then also the the shortfalls there. So you are a little bit underinsured in terms of, like, just covering your your debts. With that, you do have, obviously, your superannuation as part of that as well, but we didn't offset that. So if your goal was just 50% of your debt, currently, you're tiny a little bit underinsured, but given that, you know, you do have your superannuation and things like that as well. And we're happy with that. It's just something to be aware of moving forward, especially if you were to take on another purchase of a home or another primary residence and things like that as well. Yep. I know that's fifty fifty split with the the debt with your I believe it was did the brother, was it, for the ownership? Yeah. Yeah. So as long as he's, you know, happy, you know, covering anything else, like, you do have an yeah. You do have enough in the sense to cover majority of that, but then he would obviously have to cover the rest. And as long as he can afford that, that's more than more than fine. Brilliant. And then as far as remuneration's concerned, it's still the 1.65 ongoing. We still get 22 of that Clearview premium, and then a total sort of ongoing fees that we do collect as part of your advisers. There's around the $2,000 mark a bit over in terms of that 1.65¢ of management balance and the premium we do get from what you pay to Clearview as well, if that makes sense. So that's largely the document in a very brief term. I know you do have to to get going. So with that, feel free to have a read through. It's majority just that investment update and then switching on that portfolio. You can see probably the page that makes the most sense to have a look at is page 16. You'll see the buyers and the sales and what you're actually going into. Now with that one, you can also look at the link in the appendix there to be able to see in regards to that one what investments you would be going into if you do wanna have a look around that and see that. The majority of your holding with 30% of the key holding would be in the S and P 500, the top 500 companies in America, and that beta shares replacing that Benelong is the top 200 companies in Australia, which are on 20%. So that's the main portion of your portfolio. The rest are more satellites there that aim for, you know, growth in in other areas outside that. Not a problem there, Marcus. If you do have any other questions, feel free to shoot us an email or give us a call. But Yep. I'll I'll just shoot shoot you a follow-up email, and you can just, yeah, come back with any questions, and we can even organize another time to run over to anything you have in regards to that. But that's not a problem at all. You enjoy the rest of the day there, Marcus, and you'd have to get going. Not a problem. It is quite a straightforward advice piece, but, yeah, other than that, any questions, let me know. But you enjoy the rest of the day there, Marcus. Sounds good. Thanks. Enjoy the rest of your day. Thanks. 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morning, Marcus. It's Carl calling from IP Financial. How are you today? Not a problem at all. Yep.\n\nIs is now a better time for you, Marcus, to complete that seven? Yep. I'll make it really, really quick. I'll send you the document. You can have a run through.\n\nAnd then, you know, if you've got any questions, you can come back to me. It's a pretty straightforward advice piece, so it shouldn't take too long at all. Brilliant. So this would just be going out to Marcus17@atme.com. Just had to double check that.\n\nBrilliant. So with that, you'll have it's through OdooSign. So it's a little bit different to the DocuSign if you've previously. You'll have the statement advice, the appendix to that. You'll also have the OQ services guide and then the OQ financial services guide just because they've updated that as a business with a few changes that have occurred.\n\nWith that, there will be assignable link with that document as well. If you were to sort of go ahead with the advice and be happy with it, it's important that you do draw your signature. You don't just use the prefill option because it will just put your name in cursive and it's not too great. In terms of the statement of advice, please say it's prepared for yourself by myself, Kyle Giddings, as an authorized representative on Oakview Financial. You can look us both up.\n\nWe're all legit if you do have any concerns. In terms of what we did consider under the scope there, I know you're pretty happy with how everything was traveling. It just was identified that that Benelon fund wasn't doing too fantastic. So we just want to look at some alternatives to replace that. In addition to that, within regards to, like, estate planning, things like that, you're largely happy.\n\nYou know, just going to address the will when you had a a chance and your beneficiary forms were, you know, as to your satisfaction at the moment. So we didn't address those. It's just important to note that, you know, should you not have a will and something does go wrong, that you really should, you know, address that sooner rather than later. As far as the insurances, you are happy with the amount of cover that you did have, and you didn't wanna review it at this time, so that's been scoped out. It's only been put in there to sorta illustrate the the the cost and the the shortfalls and things like that as well.\n\nNow as far as the debt, you're happy with anything that yourself. And as far as, like, investing down the track as well, you are happy to reach out should you feel like you wanna address sort of outside super investments or anything other than what you currently have within your your home or an investment property, things like that. Great. On page eight, you'll be able to see details. Just make sure they're all correct.\n\nPage nine will have your assets and liabilities. The next page over will just have your current position with your insurances and then also your superannuation there as well. You scored growth. We kept you in growth just based on your risk tolerance and your time till retirement. You do have plenty of time, unfortunately, working life behind you, so you gotta do it a little bit longer.\n\nSo you can more than afford to take on that eighty twenty split of close to defensive. Now in regards to the recommendation there, we are just recommending replace that band along at least for the time being with an Australian 200 replacement, and then just updating the entire portfolio just to make it a little bit more updated for the way the investment direction is working with the the investment committee there as well. So within regards to that, you will be removing your active management at the moment. You'll be more of a passive approach. This approach will also save you money in terms of the cost that you're spending in investment fees each year.\n\nIn addition to that one, there as well, they are just tracking the market indices there. You don't have that the ability to outperform the market per se, but in saying that given that, you know, one of your active funds did quite well, one did quite poorly, it kind of balanced out anyway. If you track the indices, it might have performed a little bit better there as well and at a lower cost. You'll still have the same allocation to growth assets as opposed to the defensive assets. So it'll still be, you know, around the 85% growth and then 20% or, like, 15% defensive just based on the way they allocate, you know, our gold and the the portions to growth versus defensive being mainly a growth asset at the moment.\n\nNow the benefit of that with is still in line with your risk profile. You'll still be an ongoing client with Oakview. You'll have a lower investment cost and a better track history for the investments that you will be going into moving forward, if that makes sense. Yep. So within regards to that, the main risk there given the way the markets are volatile at the moment, selling down to cash and then reinvesting, there is also the the risk that, you know, during that time frame, there could be dips and rises just on what's occurring.\n\nAs long as they don't occur, like, too sort of rapidly there, it shouldn't affect your portfolio too much. Even if it takes a dive, you sell you buy back in, you sell low, buy low sort of thing. It's when it sort of jumps in the meantime. If anything, if you sold the cash and it takes a bit of a dip and you reinvest, it might sort of put you in a bit of a better position. If it goes the other way, it might put you in a little bit of a worse off position, but it may be only by a few percentage in terms of, like, missed growth, if that makes sense.\n\nWe did also look at, you know, changing to a a cheaper retail platform with things that have changed in the, you know, the market and how that has gone. But given that, you know, Hub twenty fours were quite competitive in the market in terms of their pricing, their features are quite good as well. And then given the amount of capital gains that you do have a liable on your account currently, this investment switch will lower the amount of capital gains you have to pay. The loss from Benelon will offset that as well, which will mean that you're not spending as much money to change over those investments moving forward. It will sort of show you sort of as an illustration what that might look like in five to ten years' time, but as it's, like, illustrations are there just to to be taken with a grain of salt given that they can, you know, fluctuate.\n\nAnd the fact is is that performance is never guaranteed. It's one of those things and the risk you do take with investing, unfortunately. Do you have any questions in regards to that investment switch or that at all there? Yeah. Yeah.\n\nAnd, obviously, active, you do have the potential to, you know, get that ability to outperform the the market. And with that, though, it comes to the risk that that manager risk that they might not perform much like what happened with Benelon. Now with that as well-being in those index investments over the long term period of time, even when you get a really good fund manager, eventually, sort of, they do have some bad years and it kinda works out that, you know, over a ten to fifteen year period, generally, those index sort of investment funds do outperform as if you obviously change things around, you can still do that. But given that, you know, you're just wanting to to make sure you're getting that sustained long term growth and you're sort of not too, you know, fast with the the risk of, like, having more risk for more return. You just wanna have steady growth within your superannuation.\n\nWe went with that more index option for you at least moving forward. Not to say we can't change it if you did wanna add a satellite back in down the track to try and have the ability to outperform the markets. We can definitely do that as well. But in saying that just with the way the markets are at the moment and hard to pick the the winners in regards to, you know, what is happening, the index investment, at least you get that diversification and that lack of manager risk at least for the time being moving forward. Yeah.\n\nSo as I said, roughly the same split in regards to your risk profile there. Currently, it's around 85% growth and around 14% defensive or 15%, and then it's around eighty six fourteen moving forward. And that's purely because gold is considered a growth asset at the moment in the way they're allocating it there. In regards to insurances there, feel free to have a look and see the the amounts you're insured for and then also the the shortfalls there. So you are a little bit underinsured in terms of, like, just covering your your debts.\n\nWith that, you do have, obviously, your superannuation as part of that as well, but we didn't offset that. So if your goal was just 50% of your debt, currently, you're tiny a little bit underinsured, but given that, you know, you do have your superannuation and things like that as well. And we're happy with that. It's just something to be aware of moving forward, especially if you were to take on another purchase of a home or another primary residence and things like that as well. Yep.\n\nI know that's fifty fifty split with the the debt with your I believe it was did the brother, was it, for the ownership? Yeah. Yeah. So as long as he's, you know, happy, you know, covering anything else, like, you do have an yeah. You do have enough in the sense to cover majority of that, but then he would obviously have to cover the rest.\n\nAnd as long as he can afford that, that's more than more than fine. Brilliant. And then as far as remuneration's concerned, it's still the 1.65 ongoing. We still get 22 of that Clearview premium, and then a total sort of ongoing fees that we do collect as part of your advisers. There's around the $2,000 mark a bit over in terms of that 1.65¢ of management balance and the premium we do get from what you pay to Clearview as well, if that makes sense.\n\nSo that's largely the document in a very brief term. I know you do have to to get going. So with that, feel free to have a read through. It's majority just that investment update and then switching on that portfolio. You can see probably the page that makes the most sense to have a look at is page 16.\n\nYou'll see the buyers and the sales and what you're actually going into. Now with that one, you can also look at the link in the appendix there to be able to see in regards to that one what investments you would be going into if you do wanna have a look around that and see that. The majority of your holding with 30% of the key holding would be in the S and P 500, the top 500 companies in America, and that beta shares replacing that Benelong is the top 200 companies in Australia, which are on 20%. So that's the main portion of your portfolio. The rest are more satellites there that aim for, you know, growth in in other areas outside that.\n\nNot a problem there, Marcus. If you do have any other questions, feel free to shoot us an email or give us a call. But Yep. I'll I'll just shoot shoot you a follow-up email, and you can just, yeah, come back with any questions, and we can even organize another time to run over to anything you have in regards to that. But that's not a problem at all.\n\nYou enjoy the rest of the day there, Marcus, and you'd have to get going. Not a problem. It is quite a straightforward advice piece, but, yeah, other than that, any questions, let me know. But you enjoy the rest of the day there, Marcus. Sounds good.\n\nThanks. Enjoy the rest of your day. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Marcus.","start":3.36,"end":4.08,"sentiment":"neutral","sentiment_score":0.23745018243789673},{"text":"It's Carl calling from IP Financial.","start":4.08,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.2115504046281179},{"text":"How are you today?","start":5.3599997,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.21271346509456635},{"text":"Not a problem at all.","start":9.44,"end":10.74,"sentiment":"neutral","sentiment_score":0.31701079607009885},{"text":"Yep.","start":17.695,"end":18.095001,"sentiment":"neutral","sentiment_score":0.14979957044124603}],"sentiment":"neutral","sentiment_score":0.2403873887501265,"num_words":19,"start":3.36,"end":18.095001},{"sentences":[{"text":"Is is now a better time for you, Marcus, to complete that seven?","start":18.095001,"end":21.154999,"sentiment":"neutral","sentiment_score":0.22518393053458288},{"text":"Yep.","start":25.79,"end":26.11,"sentiment":"neutral","sentiment_score":0.2289419174194336},{"text":"I'll make it really, really quick.","start":26.11,"end":27.630001,"sentiment":"positive","sentiment_score":0.36699660619099933},{"text":"I'll send you the document.","start":27.630001,"end":28.59,"sentiment":"neutral","sentiment_score":0.1588984712958336},{"text":"You can have a run through.","start":28.59,"end":29.710001,"sentiment":"neutral","sentiment_score":0.2161806176106135}],"sentiment":"neutral","sentiment_score":0.24031899076315663,"num_words":31,"start":18.095001,"end":29.710001},{"sentences":[{"text":"And then, you know, if you've got any questions, you can come back to me.","start":29.710001,"end":32.190002,"sentiment":"neutral","sentiment_score":0.235451673467954},{"text":"It's a pretty straightforward advice piece, so it shouldn't take too long at all.","start":32.190002,"end":35.25,"sentiment":"neutral","sentiment_score":0.1786329788821084},{"text":"Brilliant.","start":40.844997,"end":41.344997,"sentiment":"positive","sentiment_score":0.5106467008590698},{"text":"So this would just be going out to Marcus17@atme.com.","start":41.565,"end":48.445,"sentiment":"neutral","sentiment_score":0.17137563559744093},{"text":"Just had to double check that.","start":48.445,"end":49.8,"sentiment":"neutral","sentiment_score":0.07923903626700242}],"sentiment":"neutral","sentiment_score":0.19024663211570847,"num_words":45,"start":29.710001,"end":49.8},{"sentences":[{"text":"Brilliant.","start":50.12,"end":50.62,"sentiment":"positive","sentiment_score":0.37620866298675537},{"text":"So with that, you'll have it's through OdooSign.","start":50.76,"end":53.34,"sentiment":"neutral","sentiment_score":0.10888314340263605},{"text":"So it's a little bit different to the DocuSign if you've previously.","start":53.48,"end":55.739998,"sentiment":"neutral","sentiment_score":0.056995660066604614},{"text":"You'll have the statement advice, the appendix to that.","start":56.36,"end":59.239998,"sentiment":"neutral","sentiment_score":0.08742423935068978},{"text":"You'll also have the OQ services guide and then the OQ financial services guide just because they've updated that as a business with a few changes that have occurred.","start":59.239998,"end":68.395,"sentiment":"neutral","sentiment_score":0.09056973662869684}],"sentiment":"neutral","sentiment_score":0.09058580080331383,"num_words":59,"start":50.12,"end":68.395},{"sentences":[{"text":"With that, there will be assignable link with that document as well.","start":68.935,"end":71.655,"sentiment":"neutral","sentiment_score":0.09309627301990986},{"text":"If you were to sort of go ahead with the advice and be happy with it, it's important that you do draw your signature.","start":71.655,"end":76.215,"sentiment":"neutral","sentiment_score":0.06217827027042707},{"text":"You don't just use the prefill option because it will just put your name in cursive and it's not too great.","start":76.215,"end":81.170006,"sentiment":"neutral","sentiment_score":-0.14556127396367846},{"text":"In terms of the statement of advice, please say it's prepared for yourself by myself, Kyle Giddings, as an authorized representative on Oakview Financial.","start":82.51,"end":89.33,"sentiment":"neutral","sentiment_score":0.03189140985098978},{"text":"You can look us both up.","start":89.79,"end":90.91,"sentiment":"neutral","sentiment_score":0.041340188744167485}],"sentiment":"neutral","sentiment_score":0.0065066894066744835,"num_words":87,"start":68.935,"end":90.91},{"sentences":[{"text":"We're all legit if you do have any concerns.","start":90.91,"end":93.25,"sentiment":"neutral","sentiment_score":0.30201225562228096},{"text":"In terms of what we did consider under the scope there, I know you're pretty happy with how everything was traveling.","start":93.635,"end":98.675,"sentiment":"neutral","sentiment_score":0.1840650917341312},{"text":"It just was identified that that Benelon fund wasn't doing too fantastic.","start":98.675,"end":102.195,"sentiment":"neutral","sentiment_score":-0.2368917806694905},{"text":"So we just want to look at some alternatives to replace that.","start":102.195,"end":105.015,"sentiment":"neutral","sentiment_score":-0.09375029616057873},{"text":"In addition to that, within regards to, like, estate planning, things like that, you're largely happy.","start":105.590004,"end":110.17,"sentiment":"neutral","sentiment_score":0.32333621475845575}],"sentiment":"neutral","sentiment_score":0.11127359630273921,"num_words":70,"start":90.91,"end":110.17},{"sentences":[{"text":"You know, just going to address the will when you had a a chance and your beneficiary forms were, you know, as to your satisfaction at the moment.","start":110.55,"end":119.51,"sentiment":"neutral","sentiment_score":0.32855097896286417},{"text":"So we didn't address those.","start":119.51,"end":120.97,"sentiment":"neutral","sentiment_score":-0.06610386222600936},{"text":"It's just important to note that, you know, should you not have a will and something does go wrong, that you really should, you know, address that sooner rather than later.","start":121.455,"end":128.195,"sentiment":"neutral","sentiment_score":-0.03576208434758648},{"text":"As far as the insurances, you are happy with the amount of cover that you did have, and you didn't wanna review it at this time, so that's been scoped out.","start":129.375,"end":135.955,"sentiment":"neutral","sentiment_score":0.24486807517467007},{"text":"It's only been put in there to sorta illustrate the the the cost and the the shortfalls and things like that as well.","start":136.15001,"end":142.57,"sentiment":"neutral","sentiment_score":0.048551664404247116}],"sentiment":"neutral","sentiment_score":0.13955832285396122,"num_words":118,"start":110.55,"end":142.57},{"sentences":[{"text":"Now as far as the debt, you're happy with anything that yourself.","start":144.07,"end":147.11,"sentiment":"neutral","sentiment_score":0.23051568865776062},{"text":"And as far as, like, investing down the track as well, you are happy to reach out should you feel like you wanna address sort of outside super investments or anything other than what you currently have within your your home or an investment property, things like that.","start":147.11,"end":160.72499,"sentiment":"neutral","sentiment_score":0.22811952380773923},{"text":"Great.","start":160.72499,"end":161.22499,"sentiment":"positive","sentiment_score":0.5014268159866333},{"text":"On page eight, you'll be able to see details.","start":162.13,"end":163.97,"sentiment":"neutral","sentiment_score":0.21602581275833976},{"text":"Just make sure they're all correct.","start":163.97,"end":165.09,"sentiment":"neutral","sentiment_score":0.19668002674976984}],"sentiment":"neutral","sentiment_score":0.22817979865756474,"num_words":76,"start":144.07,"end":165.09},{"sentences":[{"text":"Page nine will have your assets and liabilities.","start":165.09,"end":166.79001,"sentiment":"neutral","sentiment_score":0.12574798334389925},{"text":"The next page over will just have your current position with your insurances and then also your superannuation there as well.","start":167.01,"end":173.985,"sentiment":"neutral","sentiment_score":0.17714304264102662},{"text":"You scored growth.","start":174.065,"end":174.945,"sentiment":"neutral","sentiment_score":0.24912979702154794},{"text":"We kept you in growth just based on your risk tolerance and your time till retirement.","start":174.945,"end":178.545,"sentiment":"neutral","sentiment_score":0.23660912550985813},{"text":"You do have plenty of time, unfortunately, working life behind you, so you gotta do it a little bit longer.","start":178.545,"end":182.785,"sentiment":"neutral","sentiment_score":-0.07667680084705353}],"sentiment":"neutral","sentiment_score":0.11361157565432436,"num_words":68,"start":165.09,"end":182.785},{"sentences":[{"text":"So you can more than afford to take on that eighty twenty split of close to defensive.","start":182.785,"end":186.005,"sentiment":"neutral","sentiment_score":0.15251588843324604},{"text":"Now in regards to the recommendation there, we are just recommending replace that band along at least for the time being with an Australian 200 replacement, and then just updating the entire portfolio just to make it a little bit more updated for the way the investment direction is working with the the investment committee there as well.","start":186.385,"end":205.335,"sentiment":"neutral","sentiment_score":0.13170156088368645},{"text":"So within regards to that, you will be removing your active management at the moment.","start":205.795,"end":209.795,"sentiment":"neutral","sentiment_score":0.017424307763576508},{"text":"You'll be more of a passive approach.","start":209.795,"end":211.475,"sentiment":"neutral","sentiment_score":0.22796920367649623},{"text":"This approach will also save you money in terms of the cost that you're spending in investment fees each year.","start":211.475,"end":218.12001,"sentiment":"positive","sentiment_score":0.456357280164957}],"sentiment":"neutral","sentiment_score":0.18133124171031845,"num_words":117,"start":182.785,"end":218.12001},{"sentences":[{"text":"In addition to that one, there as well, they are just tracking the market indices there.","start":218.66,"end":224.52,"sentiment":"neutral","sentiment_score":0.15195729210972786},{"text":"You don't have that the ability to outperform the market per se, but in saying that given that, you know, one of your active funds did quite well, one did quite poorly, it kind of balanced out anyway.","start":224.58,"end":235.275,"sentiment":"neutral","sentiment_score":-0.13838293962180614},{"text":"If you track the indices, it might have performed a little bit better there as well and at a lower cost.","start":235.275,"end":239.215,"sentiment":"neutral","sentiment_score":0.16766088562352316},{"text":"You'll still have the same allocation to growth assets as opposed to the defensive assets.","start":239.75499,"end":244.77,"sentiment":"neutral","sentiment_score":0.28957326312859855},{"text":"So it'll still be, you know, around the 85% growth and then 20% or, like, 15% defensive just based on the way they allocate, you know, our gold and the the portions to growth versus defensive being mainly a growth asset at the moment.","start":244.77,"end":257.59,"sentiment":"neutral","sentiment_score":0.24230888079513202}],"sentiment":"neutral","sentiment_score":0.11715547215026706,"num_words":134,"start":218.66,"end":257.59},{"sentences":[{"text":"Now the benefit of that with is still in line with your risk profile.","start":258.685,"end":261.88498,"sentiment":"positive","sentiment_score":0.35867123092923847},{"text":"You'll still be an ongoing client with Oakview.","start":261.88498,"end":263.645,"sentiment":"positive","sentiment_score":0.5083152391016483},{"text":"You'll have a lower investment cost and a better track history for the investments that you will be going into moving forward, if that makes sense.","start":263.645,"end":270.66,"sentiment":"positive","sentiment_score":0.5627997425886301},{"text":"Yep.","start":273.14,"end":273.64,"sentiment":"neutral","sentiment_score":0.15159551799297333},{"text":"So within regards to that, the main risk there given the way the markets are volatile at the moment, selling down to cash and then reinvesting, there is also the the risk that, you know, during that time frame, there could be dips and rises just on what's occurring.","start":273.86002,"end":286.44,"sentiment":"neutral","sentiment_score":-0.2535479591817272}],"sentiment":"neutral","sentiment_score":0.11682099970627804,"num_words":98,"start":258.685,"end":286.44},{"sentences":[{"text":"As long as they don't occur, like, too sort of rapidly there, it shouldn't affect your portfolio too much.","start":286.875,"end":291.755,"sentiment":"neutral","sentiment_score":0.10152198413484975},{"text":"Even if it takes a dive, you sell you buy back in, you sell low, buy low sort of thing.","start":291.755,"end":295.915,"sentiment":"neutral","sentiment_score":0.050731915049254894},{"text":"It's when it sort of jumps in the meantime.","start":295.915,"end":297.935,"sentiment":"neutral","sentiment_score":0.042704237831963435},{"text":"If anything, if you sold the cash and it takes a bit of a dip and you reinvest, it might sort of put you in a bit of a better position.","start":298.315,"end":303.35,"sentiment":"neutral","sentiment_score":-0.15202100502867852},{"text":"If it goes the other way, it might put you in a little bit of a worse off position, but it may be only by a few percentage in terms of, like, missed growth, if that makes sense.","start":303.35,"end":310.89,"sentiment":"negative","sentiment_score":-0.34922858151166064}],"sentiment":"neutral","sentiment_score":-0.12526019754954892,"num_words":117,"start":286.875,"end":310.89},{"sentences":[{"text":"We did also look at, you know, changing to a a cheaper retail platform with things that have changed in the, you know, the market and how that has gone.","start":312.71002,"end":319.44498,"sentiment":"neutral","sentiment_score":0.15625029280781746},{"text":"But given that, you know, Hub twenty fours were quite competitive in the market in terms of their pricing, their features are quite good as well.","start":319.44498,"end":325.145,"sentiment":"positive","sentiment_score":0.4825035734818532},{"text":"And then given the amount of capital gains that you do have a liable on your account currently, this investment switch will lower the amount of capital gains you have to pay.","start":325.44498,"end":333.1,"sentiment":"neutral","sentiment_score":0.07302155042998493},{"text":"The loss from Benelon will offset that as well, which will mean that you're not spending as much money to change over those investments moving forward.","start":333.1,"end":341.28003,"sentiment":"neutral","sentiment_score":-0.17958219062823516},{"text":"It will sort of show you sort of as an illustration what that might look like in five to ten years' time, but as it's, like, illustrations are there just to to be taken with a grain of salt given that they can, you know, fluctuate.","start":341.355,"end":352.89502,"sentiment":"neutral","sentiment_score":-0.09162524293946184}],"sentiment":"neutral","sentiment_score":0.06678370735608041,"num_words":160,"start":312.71002,"end":352.89502},{"sentences":[{"text":"And the fact is is that performance is never guaranteed.","start":353.035,"end":355.52,"sentiment":"neutral","sentiment_score":-0.2974419161677361},{"text":"It's one of those things and the risk you do take with investing, unfortunately.","start":355.52,"end":358.74,"sentiment":"negative","sentiment_score":-0.40947934133665903},{"text":"Do you have any questions in regards to that investment switch or that at all there?","start":360.63998,"end":364.74,"sentiment":"neutral","sentiment_score":-0.0439754972467199},{"text":"Yeah.","start":374.255,"end":374.755,"sentiment":"neutral","sentiment_score":-0.012549092061817646},{"text":"Yeah.","start":381.15,"end":381.47,"sentiment":"neutral","sentiment_score":0.2904456555843353}],"sentiment":"neutral","sentiment_score":-0.2174486031622759,"num_words":42,"start":353.035,"end":381.47},{"sentences":[{"text":"And, obviously, active, you do have the potential to, you know, get that ability to outperform the the market.","start":381.47,"end":388.21,"sentiment":"positive","sentiment_score":0.4256779880900132},{"text":"And with that, though, it comes to the risk that that manager risk that they might not perform much like what happened with Benelon.","start":388.59,"end":393.97,"sentiment":"negative","sentiment_score":-0.381602614497145},{"text":"Now with that as well-being in those index investments over the long term period of time, even when you get a really good fund manager, eventually, sort of, they do have some bad years and it kinda works out that, you know, over a ten to fifteen year period, generally, those index sort of investment funds do outperform as if you obviously change things around, you can still do that.","start":394.425,"end":413.13,"sentiment":"neutral","sentiment_score":0.12125930174120834},{"text":"But given that, you know, you're just wanting to to make sure you're getting that sustained long term growth and you're sort of not too, you know, fast with the the risk of, like, having more risk for more return.","start":413.13,"end":425.175,"sentiment":"neutral","sentiment_score":0.029185227863490582},{"text":"You just wanna have steady growth within your superannuation.","start":425.235,"end":427.415,"sentiment":"neutral","sentiment_score":0.21644325140449736}],"sentiment":"neutral","sentiment_score":0.06501832422742873,"num_words":162,"start":381.47,"end":427.415},{"sentences":[{"text":"We went with that more index option for you at least moving forward.","start":427.555,"end":431.175,"sentiment":"neutral","sentiment_score":0.29680487169669223},{"text":"Not to say we can't change it if you did wanna add a satellite back in down the track to try and have the ability to outperform the markets.","start":431.27,"end":436.55,"sentiment":"neutral","sentiment_score":0.1716177743570558},{"text":"We can definitely do that as well.","start":436.55,"end":438.01,"sentiment":"positive","sentiment_score":0.38989666530064176},{"text":"But in saying that just with the way the markets are at the moment and hard to pick the the winners in regards to, you know, what is happening, the index investment, at least you get that diversification and that lack of manager risk at least for the time being moving forward.","start":439.59,"end":452.225,"sentiment":"neutral","sentiment_score":-0.13567740942996281},{"text":"Yeah.","start":455.005,"end":455.245,"sentiment":"neutral","sentiment_score":0.11967477947473526}],"sentiment":"neutral","sentiment_score":0.04538338171208606,"num_words":102,"start":427.555,"end":455.245},{"sentences":[{"text":"So as I said, roughly the same split in regards to your risk profile there.","start":455.245,"end":459.64502,"sentiment":"neutral","sentiment_score":0.07605929399530093},{"text":"Currently, it's around 85% growth and around 14% defensive or 15%, and then it's around eighty six fourteen moving forward.","start":459.64502,"end":466.31998,"sentiment":"neutral","sentiment_score":0.14348060823976994},{"text":"And that's purely because gold is considered a growth asset at the moment in the way they're allocating it there.","start":466.31998,"end":471.94,"sentiment":"neutral","sentiment_score":0.14459835230372847},{"text":"In regards to insurances there, feel free to have a look and see the the amounts you're insured for and then also the the shortfalls there.","start":472.56,"end":480.345,"sentiment":"neutral","sentiment_score":-0.05298791560702599},{"text":"So you are a little bit underinsured in terms of, like, just covering your your debts.","start":480.345,"end":484.845,"sentiment":"neutral","sentiment_score":-0.2835117233917117}],"sentiment":"neutral","sentiment_score":0.010191703512880606,"num_words":97,"start":455.245,"end":484.845},{"sentences":[{"text":"With that, you do have, obviously, your superannuation as part of that as well, but we didn't offset that.","start":485.54498,"end":491.305,"sentiment":"neutral","sentiment_score":-0.06525561537005399},{"text":"So if your goal was just 50% of your debt, currently, you're tiny a little bit underinsured, but given that, you know, you do have your superannuation and things like that as well.","start":491.305,"end":499.26,"sentiment":"neutral","sentiment_score":0.014773072618426699},{"text":"And we're happy with that.","start":499.4,"end":500.36002,"sentiment":"positive","sentiment_score":0.7081989407539367},{"text":"It's just something to be aware of moving forward, especially if you were to take on another purchase of a home or another primary residence and things like that as well.","start":500.36002,"end":507.075,"sentiment":"neutral","sentiment_score":0.21957718208432198},{"text":"Yep.","start":508.595,"end":509.095,"sentiment":"neutral","sentiment_score":0.040206264704465866}],"sentiment":"neutral","sentiment_score":0.10826683502769872,"num_words":89,"start":485.54498,"end":509.095},{"sentences":[{"text":"I know that's fifty fifty split with the the debt with your I believe it was did the brother, was it, for the ownership?","start":509.39502,"end":516.935,"sentiment":"neutral","sentiment_score":0.010861368849873543},{"text":"Yeah.","start":518.995,"end":519.495,"sentiment":"neutral","sentiment_score":0.11140689253807068},{"text":"Yeah.","start":519.715,"end":520.03503,"sentiment":"neutral","sentiment_score":0.11516425013542177},{"text":"So as long as he's, you know, happy, you know, covering anything else, like, you do have an yeah.","start":520.03503,"end":526.18005,"sentiment":"neutral","sentiment_score":0.11526540568784664},{"text":"You do have enough in the sense to cover majority of that, but then he would obviously have to cover the rest.","start":526.18005,"end":533.30005,"sentiment":"neutral","sentiment_score":0.04137751790271564}],"sentiment":"neutral","sentiment_score":0.05354615070148191,"num_words":67,"start":509.39502,"end":533.30005},{"sentences":[{"text":"And as long as he can afford that, that's more than more than fine.","start":533.30005,"end":536.2,"sentiment":"neutral","sentiment_score":0.2597790541393416},{"text":"Brilliant.","start":537.275,"end":537.775,"sentiment":"positive","sentiment_score":0.5445971488952637},{"text":"And then as far as remuneration's concerned, it's still the 1.65 ongoing.","start":538.23505,"end":542.41504,"sentiment":"neutral","sentiment_score":0.04787837962309519},{"text":"We still get 22 of that Clearview premium, and then a total sort of ongoing fees that we do collect as part of your advisers.","start":542.79504,"end":550.075,"sentiment":"neutral","sentiment_score":0.03696619853377342},{"text":"There's around the $2,000 mark a bit over in terms of that 1.65¢ of management balance and the premium we do get from what you pay to Clearview as well, if that makes sense.","start":550.075,"end":559.47003,"sentiment":"neutral","sentiment_score":0.053512846401920826}],"sentiment":"neutral","sentiment_score":0.08760145125801072,"num_words":86,"start":533.30005,"end":559.47003},{"sentences":[{"text":"So that's largely the document in a very brief term.","start":561.77,"end":565.53,"sentiment":"neutral","sentiment_score":0.05953765697777271},{"text":"I know you do have to to get going.","start":565.53,"end":567.55,"sentiment":"neutral","sentiment_score":-0.03401155211031437},{"text":"So with that, feel free to have a read through.","start":568.595,"end":570.515,"sentiment":"neutral","sentiment_score":0.07823043987154961},{"text":"It's majority just that investment update and then switching on that portfolio.","start":570.515,"end":574.535,"sentiment":"neutral","sentiment_score":0.060777051684757076},{"text":"You can see probably the page that makes the most sense to have a look at is page 16.","start":574.595,"end":580.195,"sentiment":"neutral","sentiment_score":0.06921289214178135}],"sentiment":"neutral","sentiment_score":0.05193244284018874,"num_words":60,"start":561.77,"end":580.195},{"sentences":[{"text":"You'll see the buyers and the sales and what you're actually going into.","start":580.195,"end":583.175,"sentiment":"neutral","sentiment_score":0.06046500343542833},{"text":"Now with that one, you can also look at the link in the appendix there to be able to see in regards to that one what investments you would be going into if you do wanna have a look around that and see that.","start":583.93,"end":596.17,"sentiment":"neutral","sentiment_score":0.07377813553268259},{"text":"The majority of your holding with 30% of the key holding would be in the S and P 500, the top 500 companies in America, and that beta shares replacing that Benelong is the top 200 companies in Australia, which are on 20%.","start":596.17,"end":606.705,"sentiment":"neutral","sentiment_score":0.08390038859012515},{"text":"So that's the main portion of your portfolio.","start":606.705,"end":608.465,"sentiment":"neutral","sentiment_score":0.09201969765126705},{"text":"The rest are more satellites there that aim for, you know, growth in in other areas outside that.","start":608.465,"end":614.01,"sentiment":"neutral","sentiment_score":0.04754677621854676}],"sentiment":"neutral","sentiment_score":0.07326983548109493,"num_words":126,"start":580.195,"end":614.01},{"sentences":[{"text":"Not a problem there, Marcus.","start":619.53,"end":620.73,"sentiment":"neutral","sentiment_score":0.17331162989139556},{"text":"If you do have any other questions, feel free to shoot us an email or give us a call.","start":620.73,"end":623.85004,"sentiment":"neutral","sentiment_score":0.09519219574959654},{"text":"But Yep.","start":623.85004,"end":633.19495,"sentiment":"neutral","sentiment_score":0.06884557753801346},{"text":"I'll I'll just shoot shoot you a follow-up email, and you can just, yeah, come back with any questions, and we can even organize another time to run over to anything you have in regards to that.","start":633.19495,"end":641.115,"sentiment":"neutral","sentiment_score":0.11515807481230916},{"text":"But that's not a problem at all.","start":641.115,"end":643.28,"sentiment":"positive","sentiment_score":0.3881122725350516}],"sentiment":"neutral","sentiment_score":0.13986479570823057,"num_words":70,"start":619.53,"end":643.28},{"sentences":[{"text":"You enjoy the rest of the day there, Marcus, and you'd have to get going.","start":643.28,"end":645.86,"sentiment":"positive","sentiment_score":0.49203309615453084},{"text":"Not a problem.","start":648.8,"end":649.52,"sentiment":"neutral","sentiment_score":0.22404077152411142},{"text":"It is quite a straightforward advice piece, but, yeah, other than that, any questions, let me know.","start":649.52,"end":653.2,"sentiment":"neutral","sentiment_score":0.2978656296344364},{"text":"But you enjoy the rest of the day there, Marcus.","start":653.2,"end":654.8129,"sentiment":"positive","sentiment_score":0.3856911912560463},{"text":"Sounds good.","start":657.45294,"end":658.01294,"sentiment":"positive","sentiment_score":0.8475475311279297}],"sentiment":"positive","sentiment_score":0.3971987539466391,"num_words":47,"start":643.28,"end":658.01294},{"sentences":[{"text":"Thanks.","start":658.01294,"end":658.33295,"sentiment":"positive","sentiment_score":0.7660148739814758},{"text":"Enjoy the rest of your 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Hello? Yeah. Good. Thank you. Just just give me one minute. I will get you up. Thank you. Thank you. Yeah. Okay. Yep. Yeah. Look. I've got fifteen minutes. I've got about fifteen minutes. Yeah. Make it to make it that's it. Yeah. Yep. And and like I said, nothing's changed from last year, so it should be good. Correct. Yeah. Yep. Yep. Yep. That's Yes. Yep. No. No. No. No questions. I'm trusting that you guys will invest what's best and and and, yeah, I just put all my trust in you guys. So just continue investing whatever you think is gonna go up and help me. That's that's all I really ask. Yep. Yep. Okay. Yep. Yeah. That's exactly right. Yep. Yep. In Charter. Yep. Yep. Yep. Yeah. Okay. Yep. Yep. Beautiful. Alrighty. Beautiful. Yep. I'll look at those documents when they come through. Nah. Yeah. Yeah. I will. Just email to that whatever the documents is. Did you wanna just send did you wanna just send me an email just so I know if I got any questions? I can email you If you could do that. Yeah. That'd be awesome. Yeah. Yep. Yep. That sounds good, Kyle. Yeah. Thank you for that. Sorry to speed this, but, yeah, I appreciate that. Okay. Yeah. I'll I'll beautiful. I'll shoot you an email too. Thanks. Thanks, Carl. Okay. 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not going well. Hello? Yeah. Good. Thank you.\n\nJust just give me one minute. I will get you up. Thank you. Thank you. Yeah.\n\nOkay. Yep. Yeah. Look. I've got fifteen minutes.\n\nI've got about fifteen minutes. Yeah. Make it to make it that's it. Yeah. Yep.\n\nAnd and like I said, nothing's changed from last year, so it should be good. Correct. Yeah. Yep. Yep.\n\nYep. That's Yes. Yep. No. No.\n\nNo. No questions. I'm trusting that you guys will invest what's best and and and, yeah, I just put all my trust in you guys. So just continue investing whatever you think is gonna go up and help me. That's that's all I really ask.\n\nYep. Yep. Okay. Yep. Yeah.\n\nThat's exactly right. Yep. Yep. In Charter. Yep.\n\nYep. Yep. Yeah. Okay. Yep.\n\nYep. Beautiful. Alrighty. Beautiful. Yep.\n\nI'll look at those documents when they come through. Nah. Yeah. Yeah. I will.\n\nJust email to that whatever the documents is. Did you wanna just send did you wanna just send me an email just so I know if I got any questions? I can email you If you could do that. Yeah. That'd be awesome.\n\nYeah. Yep. Yep. That sounds good, Kyle. Yeah.\n\nThank you for that. Sorry to speed this, but, yeah, I appreciate that. Okay. Yeah. I'll I'll beautiful.\n\nI'll shoot you an email too. Thanks. Thanks, Carl. Okay. Bye.","paragraphs":[{"sentences":[{"text":"You're not going well.","start":0.0,"end":1.22,"sentiment":"negative","sentiment_score":-0.33627118170261383},{"text":"Hello?","start":2.08,"end":2.58,"sentiment":"neutral","sentiment_score":-0.06708262860774994},{"text":"Yeah.","start":6.3199997,"end":6.72,"sentiment":"neutral","sentiment_score":0.22701774537563324},{"text":"Good.","start":6.72,"end":6.96,"sentiment":"positive","sentiment_score":0.4113750755786896},{"text":"Thank you.","start":6.96,"end":7.52,"sentiment":"positive","sentiment_score":0.4750243276357651}],"sentiment":"neutral","sentiment_score":0.019586013423071973,"num_words":9,"start":0.0,"end":7.52},{"sentences":[{"text":"Just just give me one minute.","start":7.52,"end":9.22,"sentiment":"neutral","sentiment_score":0.22407304247220358},{"text":"I will get you up.","start":11.2,"end":12.16,"sentiment":"positive","sentiment_score":0.3728023648262024},{"text":"Thank you.","start":12.16,"end":12.639999,"sentiment":"positive","sentiment_score":0.549967348575592},{"text":"Thank you.","start":12.639999,"end":13.299999,"sentiment":"positive","sentiment_score":0.4869111031293869},{"text":"Yeah.","start":15.885,"end":16.205,"sentiment":"neutral","sentiment_score":0.1657494157552719}],"sentiment":"positive","sentiment_score":0.34049727488309145,"num_words":16,"start":7.52,"end":16.205},{"sentences":[{"text":"Okay.","start":16.205,"end":16.525,"sentiment":"neutral","sentiment_score":0.14839988946914673},{"text":"Yep.","start":16.525,"end":17.025,"sentiment":"neutral","sentiment_score":0.12418824434280396},{"text":"Yeah.","start":20.365,"end":20.605,"sentiment":"neutral","sentiment_score":0.1514575481414795},{"text":"Look.","start":20.605,"end":21.105,"sentiment":"neutral","sentiment_score":0.08290673792362213},{"text":"I've got fifteen minutes.","start":21.725,"end":23.645,"sentiment":"neutral","sentiment_score":0.10008546523749828}],"sentiment":"neutral","sentiment_score":0.11341178510338068,"num_words":8,"start":16.205,"end":23.645},{"sentences":[{"text":"I've got about fifteen minutes.","start":23.645,"end":25.105,"sentiment":"neutral","sentiment_score":0.11546790152788163},{"text":"Yeah.","start":28.02,"end":28.18,"sentiment":"neutral","sentiment_score":0.13222642242908478},{"text":"Make it to make it that's it.","start":28.18,"end":33.16,"sentiment":"neutral","sentiment_score":0.20843269037348883},{"text":"Yeah.","start":33.54,"end":34.04,"sentiment":"neutral","sentiment_score":0.13318884372711182},{"text":"Yep.","start":34.9,"end":35.3,"sentiment":"neutral","sentiment_score":0.2400785535573959}],"sentiment":"neutral","sentiment_score":0.1694574773311615,"num_words":15,"start":23.645,"end":35.3},{"sentences":[{"text":"And and like I said, nothing's changed from last year, so it should be good.","start":35.3,"end":40.440002,"sentiment":"neutral","sentiment_score":0.2991219848394394},{"text":"Correct.","start":49.074997,"end":49.574997,"sentiment":"neutral","sentiment_score":0.08940097689628601},{"text":"Yeah.","start":94.14,"end":94.64,"sentiment":"neutral","sentiment_score":0.038393765687942505},{"text":"Yep.","start":105.475,"end":105.975,"sentiment":"neutral","sentiment_score":0.1470792293548584},{"text":"Yep.","start":128.575,"end":129.075,"sentiment":"neutral","sentiment_score":0.13334685564041138}],"sentiment":"neutral","sentiment_score":0.25763424211426783,"num_words":19,"start":35.3,"end":129.075},{"sentences":[{"text":"Yep.","start":159.165,"end":159.56499,"sentiment":"neutral","sentiment_score":0.048596061766147614},{"text":"That's Yes.","start":159.56499,"end":271.895,"sentiment":"neutral","sentiment_score":0.18860850483179092},{"text":"Yep.","start":311.62,"end":312.12,"sentiment":"neutral","sentiment_score":0.14786280691623688},{"text":"No.","start":364.98,"end":365.46,"sentiment":"neutral","sentiment_score":-0.20292119681835177},{"text":"No.","start":365.46,"end":365.78,"sentiment":"neutral","sentiment_score":-0.1688135266304016}],"sentiment":"neutral","sentiment_score":0.0336568591495355,"num_words":6,"start":159.165,"end":365.78},{"sentences":[{"text":"No.","start":365.78,"end":366.02,"sentiment":"neutral","sentiment_score":-0.12363217771053314},{"text":"No questions.","start":366.02,"end":366.68,"sentiment":"neutral","sentiment_score":-0.13660169392824173},{"text":"I'm trusting that you guys will invest what's best and and and, yeah, I just put all my trust in you guys.","start":366.74,"end":373.06,"sentiment":"neutral","sentiment_score":0.1699637124653567},{"text":"So just continue investing whatever you think is gonna go up and help me.","start":373.06,"end":378.975,"sentiment":"neutral","sentiment_score":0.26071503119809286},{"text":"That's that's all I really ask.","start":379.195,"end":380.815,"sentiment":"neutral","sentiment_score":0.16443838427464166}],"sentiment":"neutral","sentiment_score":0.17731126335759959,"num_words":45,"start":365.78,"end":380.815},{"sentences":[{"text":"Yep.","start":430.4,"end":430.9,"sentiment":"neutral","sentiment_score":0.2940518856048584},{"text":"Yep.","start":453.49,"end":453.99,"sentiment":"neutral","sentiment_score":0.093969464302063},{"text":"Okay.","start":507.47998,"end":507.88,"sentiment":"neutral","sentiment_score":0.05481419712305069},{"text":"Yep.","start":507.88,"end":508.38,"sentiment":"neutral","sentiment_score":0.050021953880786896},{"text":"Yeah.","start":517.33496,"end":517.65497,"sentiment":"neutral","sentiment_score":0.08250939100980759}],"sentiment":"neutral","sentiment_score":0.11507337838411331,"num_words":5,"start":430.4,"end":517.65497},{"sentences":[{"text":"That's exactly right.","start":517.65497,"end":518.615,"sentiment":"neutral","sentiment_score":0.16605899731318155},{"text":"Yep.","start":518.615,"end":519.115,"sentiment":"neutral","sentiment_score":0.10499431937932968},{"text":"Yep.","start":523.415,"end":523.915,"sentiment":"neutral","sentiment_score":0.062479592859745026},{"text":"In Charter.","start":524.615,"end":525.175,"sentiment":"neutral","sentiment_score":0.036200447008013725},{"text":"Yep.","start":525.175,"end":525.675,"sentiment":"neutral","sentiment_score":0.05480607599020004}],"sentiment":"neutral","sentiment_score":0.09910723427310586,"num_words":8,"start":517.65497,"end":525.675},{"sentences":[{"text":"Yep.","start":559.585,"end":559.985,"sentiment":"neutral","sentiment_score":0.04889501631259918},{"text":"Yep.","start":559.985,"end":560.485,"sentiment":"neutral","sentiment_score":0.04548376798629761},{"text":"Yeah.","start":570.8,"end":571.3,"sentiment":"neutral","sentiment_score":0.05748964101076126},{"text":"Okay.","start":584.165,"end":584.485,"sentiment":"neutral","sentiment_score":0.0782681554555893},{"text":"Yep.","start":584.485,"end":584.985,"sentiment":"neutral","sentiment_score":0.0881352573633194}],"sentiment":"neutral","sentiment_score":0.06365436762571335,"num_words":5,"start":559.585,"end":584.985},{"sentences":[{"text":"Yep.","start":596.21,"end":596.71,"sentiment":"neutral","sentiment_score":0.11144284904003143},{"text":"Beautiful.","start":612.105,"end":612.605,"sentiment":"neutral","sentiment_score":0.09637484699487686},{"text":"Alrighty.","start":615.545,"end":616.045,"sentiment":"neutral","sentiment_score":0.3135496973991394},{"text":"Beautiful.","start":616.105,"end":616.505,"sentiment":"positive","sentiment_score":0.4604538679122925},{"text":"Yep.","start":616.505,"end":616.745,"sentiment":"neutral","sentiment_score":0.23701748251914975}],"sentiment":"neutral","sentiment_score":0.24376774877309798,"num_words":5,"start":596.21,"end":616.745},{"sentences":[{"text":"I'll look at those documents when they come through.","start":616.745,"end":618.9,"sentiment":"neutral","sentiment_score":0.11787133829461204},{"text":"Nah.","start":622.5,"end":623.0,"sentiment":"neutral","sentiment_score":0.0794878676533699},{"text":"Yeah.","start":623.14,"end":623.64,"sentiment":"neutral","sentiment_score":0.06520896404981613},{"text":"Yeah.","start":623.94,"end":624.26,"sentiment":"neutral","sentiment_score":0.09495803713798524},{"text":"I will.","start":624.26,"end":624.84,"sentiment":"neutral","sentiment_score":0.10908419266343117}],"sentiment":"neutral","sentiment_score":0.10847609277282443,"num_words":14,"start":616.745,"end":624.84},{"sentences":[{"text":"Just email to that whatever the documents is.","start":625.46,"end":628.26,"sentiment":"neutral","sentiment_score":0.08436923008412123},{"text":"Did you wanna just send did you wanna just send me an email just so I know if I got any questions?","start":628.26,"end":632.36005,"sentiment":"neutral","sentiment_score":0.08064918423240836},{"text":"I can email you If you could do that.","start":632.58,"end":635.615,"sentiment":"neutral","sentiment_score":0.07368353009223938},{"text":"Yeah.","start":635.615,"end":636.01495,"sentiment":"neutral","sentiment_score":0.11616939306259157},{"text":"That'd be awesome.","start":636.01495,"end":636.915,"sentiment":"positive","sentiment_score":0.3681669235229492}],"sentiment":"neutral","sentiment_score":0.10076878670343133,"num_words":43,"start":625.46,"end":636.915},{"sentences":[{"text":"Yeah.","start":637.935,"end":638.435,"sentiment":"neutral","sentiment_score":0.08214709162712097},{"text":"Yep.","start":640.175,"end":640.57495,"sentiment":"neutral","sentiment_score":0.07103671878576279},{"text":"Yep.","start":640.57495,"end":640.735,"sentiment":"neutral","sentiment_score":0.06538808345794678},{"text":"That sounds good, Kyle.","start":640.735,"end":641.95496,"sentiment":"neutral","sentiment_score":0.3096125014126301},{"text":"Yeah.","start":644.495,"end":644.815,"sentiment":"neutral","sentiment_score":0.31365856528282166}],"sentiment":"neutral","sentiment_score":0.22133505810052156,"num_words":8,"start":637.935,"end":644.815},{"sentences":[{"text":"Thank you for that.","start":644.815,"end":645.535,"sentiment":"positive","sentiment_score":0.6020762175321579},{"text":"Sorry to speed this, but, yeah, I appreciate that.","start":645.535,"end":648.39,"sentiment":"neutral","sentiment_score":0.3080336004495621},{"text":"Okay.","start":653.27,"end":653.59,"sentiment":"neutral","sentiment_score":0.2778260409832001},{"text":"Yeah.","start":653.59,"end":653.99,"sentiment":"neutral","sentiment_score":0.2649105191230774},{"text":"I'll I'll beautiful.","start":653.99,"end":655.37,"sentiment":"positive","sentiment_score":0.4591780404249827}],"sentiment":"positive","sentiment_score":0.3944932197531064,"num_words":18,"start":644.815,"end":655.37},{"sentences":[{"text":"I'll shoot you an email too.","start":655.43,"end":656.63,"sentiment":"positive","sentiment_score":0.5981299976507822},{"text":"Thanks.","start":656.63,"end":656.95,"sentiment":"positive","sentiment_score":0.7580173015594482},{"text":"Thanks, Carl.","start":656.95,"end":657.85004,"sentiment":"positive","sentiment_score":0.7798876762390137},{"text":"Okay.","start":658.23004,"end":658.73004,"sentiment":"positive","sentiment_score":0.561008632183075},{"text":"Bye.","start":658.79004,"end":659.29004,"sentiment":"positive","sentiment_score":0.4857550859451294}],"sentiment":"positive","sentiment_score":0.6321214870973066,"num_words":11,"start":655.43,"end":659.29004}]}}]}],"paragraphs":{"transcript":"\nChannel 1: You're not going well. Hello?\n\nChannel 0: Good morning, Marcus. It's Carl calling from IP Financial. How are you today?\n\nChannel 1: Yeah. Good. Thank you. Just just give me one minute.\n\nChannel 0: Not a problem at all.\n\nChannel 1: I will get you up. Thank you. Thank you. Yeah. Okay.\n\nYep.\n\nChannel 0: Yep. Is is now a better time for you, Marcus, to complete\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: Look.\n\nChannel 0: seven?\n\nChannel 1: I've got fifteen minutes. I've got about fifteen minutes.\n\nChannel 0: Yep. I'll make it really, really quick. I'll send you\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: Make\n\nChannel 0: document.\n\nChannel 1: it\n\nChannel 0: You\n\nChannel 1: to\n\nChannel 0: can\n\nChannel 1: make\n\nChannel 0: have\n\nChannel 1: it\n\nChannel 0: a run through. And then, you know, if you've got any questions, you can come back to me. It's a pretty\n\nChannel 1: that's\n\nChannel 0: straightforward\n\nChannel 1: it.\n\nChannel 0: advice piece,\n\nChannel 1: Yeah.\n\nChannel 0: so it shouldn't take too long at all.\n\nChannel 1: Yep. And and like I said, nothing's changed from last year, so it should be good.\n\nChannel 0: Brilliant. So this would just be going out to Marcus17@atme.com. Just had to double\n\nChannel 1: Correct.\n\nChannel 0: check that. Brilliant. So with that, you'll have it's through OdooSign. So it's a little bit different to the DocuSign if you've previously. You'll have the statement advice, the appendix to that.\n\nYou'll also have the OQ services guide and then the OQ financial services guide just because they've updated that as a business with a few changes that have occurred. With that, there will be assignable link with that document as well. If you were to sort of go ahead with the advice and be happy with it, it's important that you do draw your signature. You don't just use the prefill option because it will just put your name in cursive and it's not too great. In terms of the statement of advice, please say it's prepared for yourself by myself, Kyle Giddings, as an authorized representative on Oakview Financial.\n\nYou can look us both up. We're all legit if you do have any concerns. In terms of\n\nChannel 1: Yeah.\n\nChannel 0: what we did consider under the scope there, I know you're pretty happy with how everything was traveling. It just was identified that that Benelon fund wasn't doing too fantastic. So we just want to look at some alternatives to replace that.\n\nChannel 1: Yep.\n\nChannel 0: In addition to that, within regards to, like, estate planning, things like that, you're largely happy. You know, just going to address the will when you had a a chance and your beneficiary forms were, you know, as to your satisfaction at the moment. So we didn't address those. It's just important to note that, you know, should you not have a will and something does go wrong, that you really should, you know, address that sooner rather than later.\n\nChannel 1: Yep.\n\nChannel 0: As far as the insurances, you are happy with the amount of cover that you did have, and you didn't wanna review it at this time, so that's been scoped out. It's only been put in there to sorta illustrate the the the cost and the the shortfalls and things like that as well. Now as far as the debt, you're happy with anything that yourself. And as far as, like, investing down the track as well, you are happy to reach out should you feel like you wanna address sort of outside super investments or anything other than what you currently have within your your home or an investment\n\nChannel 1: Yep.\n\nChannel 0: property,\n\nChannel 1: That's\n\nChannel 0: things like that. Great. On page eight, you'll be able to see details. Just make sure they're all correct. Page nine will have your assets and liabilities.\n\nThe next page over will just have your current position with your insurances and then also your superannuation there as well. You scored growth. We kept you in growth just based on your risk tolerance and your time till retirement. You do have plenty of time, unfortunately, working life behind you, so you gotta do it a little bit longer. So you can more than afford to take on that eighty twenty split of close to defensive.\n\nNow in regards to the recommendation there, we are just recommending replace that band along at least for the time being with an Australian 200 replacement, and then just updating the entire portfolio just to make it a little bit more updated for the way the investment direction is working with the the investment committee there as well. So within regards to that, you will be removing your active management at the moment. You'll be more of a passive approach. This approach will also save you money in terms of the cost that you're spending in investment fees each year. In addition to that one, there as well, they are just tracking the market indices there.\n\nYou don't have that the ability to outperform the market per se, but in saying that given that, you know, one of your active funds did quite well, one did quite poorly, it kind of balanced out anyway. If you track the indices, it might have performed a little bit better there as well and at a lower cost. You'll still have the same allocation to growth assets as opposed to the defensive assets. So it'll still be, you know, around the 85% growth and then 20% or, like, 15% defensive just based on the way they allocate, you know, our gold and the the portions to growth versus defensive being mainly a growth asset at the moment. Now the benefit of that with is still in line with your risk profile.\n\nYou'll still be an ongoing client with Oakview. You'll have a lower investment cost and a better track history for the investments that you will be going into moving forward, if that makes sense.\n\nChannel 1: Yes.\n\nChannel 0: Yep. So within regards to that, the main risk there given the way the markets are volatile at the moment, selling down to cash and then reinvesting, there is also the the risk that, you know, during that time frame, there could be dips and rises just on what's occurring. As long as they don't occur, like, too sort of rapidly there, it shouldn't affect your portfolio too much. Even if it takes a dive, you sell you buy back in, you sell low, buy low sort of thing. It's when it sort of jumps in the meantime.\n\nIf anything, if you sold the cash and it takes a bit of a dip and you reinvest, it might sort of put you in a bit of a better position. If it goes the other way, it might put you in a little bit of a worse off position, but it may be only by a few percentage in terms of, like, missed growth, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: We did also look at, you know, changing to a a cheaper retail platform with things that have changed in the, you know, the market and how that has gone. But given that, you know, Hub twenty fours were quite competitive in the market in terms of their pricing, their features are quite good as well. And then given the amount of capital gains that you do have a liable on your account currently, this investment switch will lower the amount of capital gains you have to pay. The loss from Benelon will offset that as well, which will mean that you're not spending as much money to change over those investments moving forward. It will sort of show you sort of as an illustration what that might look like in five to ten years' time, but as it's, like, illustrations are there just to to be taken with a grain of salt given that they can, you know, fluctuate.\n\nAnd the fact is is that performance is never guaranteed. It's one of those things and the risk you do take with investing, unfortunately. Do you have any questions in regards to that investment switch or that at all there?\n\nChannel 1: No. No. No. No questions. I'm trusting that you guys will invest what's best and and and, yeah, I just put all my trust in you guys.\n\nSo just continue\n\nChannel 0: Yeah.\n\nChannel 1: investing whatever you think is gonna go up and help me. That's that's all I really ask.\n\nChannel 0: Yeah. And, obviously, active, you do have the potential to, you know, get that ability to outperform the the market. And with that, though, it comes to the risk that that manager risk that they might not perform much like what happened with Benelon. Now with that as well-being in those index investments over the long term period of time, even when you get a really good fund manager, eventually, sort of, they do have some bad years and it kinda works out that, you know, over a ten to fifteen year period, generally, those index sort of investment funds do outperform as if you obviously change things around, you can still do that. But given that, you know, you're just wanting to to make sure you're getting that sustained long term growth and you're sort of not too, you know, fast with the the risk of, like, having more risk for more return.\n\nYou just wanna have steady growth within your superannuation. We went with that more index option for you at least moving\n\nChannel 1: Yep.\n\nChannel 0: forward. Not to say we can't change it if you did wanna add a satellite back in down the track to try and have the ability to outperform the markets. We can definitely do that as well. But in saying that just with the way the markets are at the moment and hard to pick the the winners in regards to, you know, what is happening, the index investment, at least you get that diversification and that lack of manager risk at least for the time being moving forward.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So as I said, roughly the same split in regards to your risk profile there. Currently, it's around 85% growth and around 14% defensive or 15%, and then it's around eighty six fourteen moving forward. And that's purely because gold is considered a growth asset at the moment in the way they're allocating it there. In regards to insurances there, feel free to have a look and see the the amounts you're insured for and then also the the shortfalls there.\n\nSo you are a little bit underinsured in terms of, like, just covering your your debts. With that, you do have, obviously, your superannuation as part of that as well, but we didn't offset that. So if your goal was just 50% of your debt, currently, you're tiny a little bit underinsured, but given that, you know, you do have your superannuation and things like that as well. And we're happy with that. It's just something to be aware of moving forward, especially if you were to take on another purchase of a home or another primary residence and things like that as well.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yep. I know that's fifty fifty split with the the debt with your I believe it was did the brother, was it, for the ownership?\n\nChannel 1: Yeah. That's exactly right. Yep.\n\nChannel 0: Yeah. Yeah. So as long as he's, you know, happy, you know, covering anything\n\nChannel 1: Yep.\n\nChannel 0: else,\n\nChannel 1: In Charter.\n\nChannel 0: like, you do\n\nChannel 1: Yep.\n\nChannel 0: have an yeah. You do have enough in the sense to cover majority of that, but then he would obviously have to cover the rest. And as long as he can afford that, that's more than more than fine. Brilliant. And then as far as remuneration's concerned, it's still the 1.65 ongoing.\n\nWe still get 22 of that Clearview premium, and then a total sort of ongoing fees that we do collect as part of your advisers. There's around the $2,000 mark a bit over in terms of that 1.65¢ of management balance and the premium we do get from what you pay to Clearview as well, if that makes sense.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So that's largely the document in a very brief term. I know you do have to to get going. So with that, feel free to have a read through. It's\n\nChannel 1: Yeah.\n\nChannel 0: majority just that investment update and then switching on that portfolio. You can see probably the page that makes the most sense to have a look at is page 16. You'll see the buyers and the sales and what you're actually going into. Now\n\nChannel 1: Okay. Yep.\n\nChannel 0: with that one, you can also look at the link in the appendix there to be able to see in regards to that one what investments you would be going into if you do wanna have a look around that and see that. The\n\nChannel 1: Yep.\n\nChannel 0: majority of your holding with 30% of the key holding would be in the S and P 500, the top 500 companies in America, and that beta shares replacing that Benelong is the top 200 companies in Australia, which are on 20%. So that's the main portion of your portfolio. The rest are more satellites there that aim for, you know, growth\n\nChannel 1: Beautiful.\n\nChannel 0: in in other areas outside that.\n\nChannel 1: Alrighty. Beautiful. Yep. I'll look at those documents when they come through.\n\nChannel 0: Not a problem there, Marcus. If you do have any other questions, feel free to shoot\n\nChannel 1: Nah.\n\nChannel 0: us an email or\n\nChannel 1: Yeah.\n\nChannel 0: give us a call. But\n\nChannel 1: Yeah. I will. Just email to that whatever the documents is. Did you wanna just send did you wanna just send me an email just so I know if I got any questions? I can\n\nChannel 0: Yep.\n\nChannel 1: email\n\nChannel 0: I'll\n\nChannel 1: you\n\nChannel 0: I'll just\n\nChannel 1: If\n\nChannel 0: shoot\n\nChannel 1: you could\n\nChannel 0: shoot you a follow-up email,\n\nChannel 1: do that.\n\nChannel 0: and you\n\nChannel 1: Yeah.\n\nChannel 0: can just,\n\nChannel 1: That'd\n\nChannel 0: yeah,\n\nChannel 1: be\n\nChannel 0: come\n\nChannel 1: awesome.\n\nChannel 0: back with any questions, and we can even organize\n\nChannel 1: Yeah.\n\nChannel 0: another time to run over to anything you\n\nChannel 1: Yep.\n\nChannel 0: have in regards\n\nChannel 1: Yep. That\n\nChannel 0: to that.\n\nChannel 1: sounds\n\nChannel 0: But that's\n\nChannel 1: good, Kyle.\n\nChannel 0: not a problem at all. You enjoy the rest of the day there, Marcus,\n\nChannel 1: Yeah.\n\nChannel 0: and you'd\n\nChannel 1: Thank\n\nChannel 0: have\n\nChannel 1: you\n\nChannel 0: to get\n\nChannel 1: for that.\n\nChannel 0: going.\n\nChannel 1: Sorry to speed this, but, yeah, I appreciate that.\n\nChannel 0: Not a problem. It is quite a straightforward advice piece, but, yeah, other than that, any questions, let me know. But\n\nChannel 1: Okay.\n\nChannel 0: you enjoy\n\nChannel 1: Yeah.\n\nChannel 0: the rest of the\n\nChannel 1: I'll\n\nChannel 0: day there,\n\nChannel 1: I'll\n\nChannel 0: Marcus.\n\nChannel 1: beautiful. I'll shoot you an email too. Thanks. Thanks, Carl.\n\nChannel 0: Sounds good. Thanks.\n\nChannel 1: Okay.\n\nChannel 0: Enjoy the rest\n\nChannel 1: Bye.\n\nChannel 0: of your day. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"You're not going well.","start":0.0,"end":1.22,"sentiment":"negative","sentiment_score":-0.33627118170261383},{"text":"Hello?","start":2.08,"end":2.58,"sentiment":"neutral","sentiment_score":-0.06708262860774994}],"sentiment":"neutral","sentiment_score":-0.28243347108364103,"channel":1,"num_words":5,"start":0.0,"end":2.58},{"sentences":[{"text":"Good morning, Marcus.","start":3.36,"end":4.08,"sentiment":"neutral","sentiment_score":0.23745018243789673},{"text":"It's Carl calling from IP Financial.","start":4.08,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.2115504046281179},{"text":"How are you 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previously.","start":53.48,"end":55.739998,"sentiment":"neutral","sentiment_score":0.056995660066604614},{"text":"You'll have the statement advice, the appendix to that.","start":56.36,"end":59.239998,"sentiment":"neutral","sentiment_score":0.08742423935068978}],"sentiment":"neutral","sentiment_score":0.09335097344592214,"channel":0,"num_words":32,"start":49.245,"end":59.239998},{"sentences":[{"text":"You'll also have the OQ services guide and then the OQ financial services guide just because they've updated that as a business with a few changes that have occurred.","start":59.239998,"end":68.395,"sentiment":"neutral","sentiment_score":0.09056973662869684},{"text":"With that, there will be assignable link with that document as well.","start":68.935,"end":71.655,"sentiment":"neutral","sentiment_score":0.09309627301990986},{"text":"If you were to sort of go ahead with the advice and be happy with it, it's important that you do draw your 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from IP Financial called Marcus to discuss his investment portfolio and advised him on managing risk while replacing his current insurance plan and updating his portfolio for the investment committee. They emphasized the importance of managing the risk profile and the benefits of a cheaper retail platform. The speaker also discussed retirement planning, risk tolerance, and the potential risks of changing investments, and emphasized the importance of maintaining a steady growth within the customer's superanncare. The speaker provided information on the risk profile of the customer's investment portfolio and suggested sending follow-up emails."},"intents":{"segments":[{"text":"It's Carl calling from IP Financial. How are you today? Yeah.","start_word":8,"end_word":18,"intents":[{"intent":"Arrange call with mike","confidence_score":0.0001627765}]},{"text":"Is is now a better time for you, Marcus, to complete Yeah. that Look. seven?","start_word":46,"end_word":60,"intents":[{"intent":"Complete yes","confidence_score":0.039861657}]},{"text":"I'll make it really, really quick. I'll send you Yeah. the Make document. it You to can make have it a run through. And then, you know, if you've got any questions, you can come back to me. It's a pretty that's straightforward it. advice piece, Yeah.","start_word":71,"end_word":117,"intents":[{"intent":"Make a quick program","confidence_score":0.000013017599}]},{"text":"the Make document. it You to can make have it a run through. And then, you know, if you've got any questions, you can come back to me. It's a pretty that's straightforward it. advice piece, Yeah.","start_word":81,"end_word":117,"intents":[{"intent":"Offer help with documents","confidence_score":0.000019690964},{"intent":"Verify document details","confidence_score":0.005097082}]},{"text":"So this would just be going out to Marcus17@atme.com. Just had to double Correct. check that.","start_word":143,"end_word":158,"intents":[{"intent":"Confirm document information","confidence_score":0.0014016103}]},{"text":"In terms of the statement of advice, please say it's prepared for yourself by myself, Kyle Giddings, as an authorized representative on Oakview Financial. You can look us both up.","start_word":275,"end_word":304,"intents":[{"intent":"Provide statement advice and append","confidence_score":0.021568738}]},{"text":"what we did consider under the scope there, I know you're pretty happy with how everything was traveling. It just was identified that that Benelon fund wasn't doing too fantastic. So we just want to look at some alternatives to replace that. Yep.","start_word":318,"end_word":360,"intents":[{"intent":"Discuss alternative investments","confidence_score":0.0012349804}]},{"text":"You know, just going to address the will when you had a a chance and your beneficiary forms were, you know, as to your satisfaction at the moment. So we didn't address those. It's just important to note that, you know, should you not have a will and something does go wrong, that you really should, you know, address that sooner rather than later. Yep.","start_word":377,"end_word":441,"intents":[{"intent":"Address will and address insurances","confidence_score":0.030310394}]},{"text":"Now as far as the debt, you're happy with anything that yourself.","start_word":496,"end_word":507,"intents":[{"intent":"Discuss debt","confidence_score":0.09977118}]},{"text":"And as far as, like, investing down the track as well, you are happy to reach out should you feel like you wanna address sort of outside super investments or anything other than what you currently have within your your home or an investment Yep.","start_word":508,"end_word":552,"intents":[{"intent":"Discuss outside investments","confidence_score":0.14392677}]},{"text":"Page nine will have your assets and liabilities. The next page over will just have your current position with your insurances and then also your superannuation there as well. You scored growth.","start_word":574,"end_word":605,"intents":[{"intent":"Discuss portfolio position","confidence_score":0.0023296187}]},{"text":"We kept you in growth just based on your risk tolerance and your time till retirement. You do have plenty of time, unfortunately, working life behind you, so you gotta do it a little bit longer.","start_word":606,"end_word":641,"intents":[{"intent":"Discuss retirement","confidence_score":0.008146156}]},{"text":"So you can more than afford to take on that eighty twenty split of close to defensive. Now in regards to the recommendation there, we are just recommending replace that band along at least for the time being with an Australian 200 replacement, and then just updating the entire portfolio just to make it a little bit more updated for the way the investment direction is working with the the investment committee there as well.","start_word":643,"end_word":717,"intents":[{"intent":"Suggest alternative strategy","confidence_score":0.00012956408},{"intent":"Confirm investment strategy","confidence_score":0.0049585975},{"intent":"Recommend alternative approach","confidence_score":0.044088405}]},{"text":"Now in regards to the recommendation there, we are just recommending replace that band along at least for the time being with an Australian 200 replacement, and then just updating the entire portfolio just to make it a little bit more updated for the way the investment direction is working with the the investment committee there as well.","start_word":659,"end_word":716,"intents":[{"intent":"Update portfolio","confidence_score":0.4399857},{"intent":"Recommend replacement band","confidence_score":0.20545429},{"intent":"Recommend replacement band","confidence_score":0.006969019},{"intent":"Recommend alternative replacement band","confidence_score":0.00062643446}]},{"text":"In addition to that one, there as well, they are just tracking the market indices there.","start_word":759,"end_word":774,"intents":[{"intent":"Track market indices","confidence_score":0.58187854}]},{"text":"So within regards to that, the main risk there given the way the markets are volatile at the moment, selling down to cash and then reinvesting, there is also the the risk that, you know, during that time frame, there could be dips and rises just on what's occurring.","start_word":943,"end_word":991,"intents":[{"intent":"Explain main risk","confidence_score":0.0006836213},{"intent":"Express uncertainty about market volatility","confidence_score":0.00006591797}]},{"text":"Do you have any questions in regards to that investment switch or that at all there? No. No.","start_word":1294,"end_word":1311,"intents":[{"intent":"Analyze investing switch options","confidence_score":0.00004582727}]},{"text":"And, obviously, active, you do have the potential to, you know, get that ability to outperform the the market.","start_word":1359,"end_word":1377,"intents":[{"intent":"Evaluate investment opportunities","confidence_score":0.016619662}]},{"text":"In regards to insurances there, feel free to have a look and see the the amounts you're insured for and then also the the shortfalls there.","start_word":1681,"end_word":1706,"intents":[{"intent":"Monitor insurances","confidence_score":0.00004776344}]},{"text":"majority just that investment update and then switching on that portfolio.","start_word":2008,"end_word":2018,"intents":[{"intent":"Provide portfolio update","confidence_score":0.0053103114}]},{"text":"with that one, you can also look at the link in the appendix there to be able to see in regards to that one what investments you would be going into if you do wanna have a look around that and see that.","start_word":2054,"end_word":2096,"intents":[{"intent":"Discuss investments","confidence_score":0.15512861}]},{"text":"majority of your holding with 30% of the key holding would be in the S and P 500, the top 500 companies in America, and that beta shares replacing that Benelong is the top 200 companies in Australia, which are on 20%. So that's the main portion of your portfolio. The rest are more satellites there that aim for, you know, growth Beautiful.","start_word":2099,"end_word":2161,"intents":[{"intent":"Discuss portfolio growth","confidence_score":0.04827888}]},{"text":"I'll look at those documents when they come through.","start_word":2171,"end_word":2179,"intents":[{"intent":"Review documents","confidence_score":0.017554356}]},{"text":"If you do have any other questions, feel free to shoot Nah. us an email or Yeah. give us a call. But Yeah. I will. Just email to that whatever the documents is. Did you wanna just send did you wanna just send me an email just so I know if I got any questions? I can Yep.","start_word":2185,"end_word":2242,"intents":[{"intent":"Request email","confidence_score":0.008751061}]},{"text":"Just email to that whatever the documents is. Did you wanna just send did you wanna just send me an email just so I know if I got any questions? I can Yep.","start_word":2210,"end_word":2242,"intents":[{"intent":"Recommend email","confidence_score":0.0010486628}]},{"text":"and you'd Thank have you to get for that. going. Sorry to speed this, but, yeah, I appreciate that. Not a problem.","start_word":2315,"end_word":2336,"intents":[{"intent":"Thank mike","confidence_score":0.0030428867}]}]},"sentiments":{"segments":[{"text":"You're not going well.","start_word":0,"end_word":3,"sentiment":"negative","sentiment_score":-0.33793118596076965},{"text":"Hello? Good morning, Marcus. It's Carl calling from IP Financial. How are you today? Yeah.","start_word":4,"end_word":18,"sentiment":"neutral","sentiment_score":0.19835324585437775},{"text":"Good. Thank you.","start_word":19,"end_word":21,"sentiment":"positive","sentiment_score":0.4414615631103515},{"text":"Just just give me one minute. Not a problem at all.","start_word":22,"end_word":32,"sentiment":"neutral","sentiment_score":0.26757505536079407},{"text":"I will get you up. Thank you. Thank you.","start_word":33,"end_word":41,"sentiment":"positive","sentiment_score":0.4364832043647766},{"text":"Yeah. Okay. Yep. Yep. Is is now a better time for you, Marcus, to complete Yeah. that Look. seven? I've got fifteen minutes. I've got about fifteen minutes. Yep.","start_word":42,"end_word":70,"sentiment":"neutral","sentiment_score":0.16485440731048584},{"text":"I'll make it really, really quick.","start_word":71,"end_word":76,"sentiment":"positive","sentiment_score":0.35341474413871765},{"text":"I'll send you Yeah. the Make document. it You to can make have it a run through. And then, you know, if you've got any questions, you can come back to me. It's a pretty that's straightforward it. advice piece, Yeah. so it shouldn't take too long at all. Yep. And and like I said, nothing's changed from last year, so it should be good.","start_word":77,"end_word":141,"sentiment":"neutral","sentiment_score":0.22563093900680545},{"text":"Brilliant.","start_word":142,"end_word":142,"sentiment":"positive","sentiment_score":0.5106467008590698},{"text":"So this would just be going out to Marcus17@atme.com. Just had to double Correct. check that.","start_word":143,"end_word":158,"sentiment":"neutral","sentiment_score":0.12800894677639008},{"text":"Brilliant.","start_word":159,"end_word":159,"sentiment":"positive","sentiment_score":0.37620866298675537},{"text":"So with that, you'll have it's through OdooSign. So it's a little bit different to the DocuSign if you've previously. You'll have the statement advice, the appendix to that. You'll also have the OQ services guide and then the OQ financial services guide just because they've updated that as a business with a few changes that have occurred. With that, there will be assignable link with that document as well. If you were to sort of go ahead with the advice and be happy with it, it's important that you do draw your signature. You don't just use the prefill option because it will just put your name in cursive and it's not too great. In terms of the statement of advice, please say it's prepared for yourself by myself, Kyle Giddings, as an authorized representative on Oakview Financial. You can look us both up. We're all legit if you do have any concerns. In terms of Yeah. what we did consider under the scope there, I know you're pretty happy with how everything was traveling. It just was identified that that Benelon fund wasn't doing too fantastic. So we just want to look at some alternatives to replace that. Yep.","start_word":160,"end_word":360,"sentiment":"neutral","sentiment_score":0.042090109591163806},{"text":"In addition to that, within regards to, like, estate planning, things like that, you're largely happy.","start_word":361,"end_word":376,"sentiment":"positive","sentiment_score":0.36053985357284546},{"text":"You know, just going to address the will when you had a a chance and your beneficiary forms were, you know, as to your satisfaction at the moment. So we didn't address those. It's just important to note that, you know, should you not have a will and something does go wrong, that you really should, you know, address that sooner rather than later. Yep. As far as the insurances, you are happy with the amount of cover that you did have, and you didn't wanna review it at this time, so that's been scoped out. It's only been put in there to sorta illustrate the the the cost and the the shortfalls and things like that as well. Now as far as the debt, you're happy with anything that yourself. And as far as, like, investing down the track as well, you are happy to reach out should you feel like you wanna address sort of outside super investments or anything other than what you currently have within your your home or an investment Yep. property, That's things like that.","start_word":377,"end_word":557,"sentiment":"neutral","sentiment_score":0.15728740394115448},{"text":"Great.","start_word":558,"end_word":558,"sentiment":"positive","sentiment_score":0.5014268159866333},{"text":"On page eight, you'll be able to see details. Just make sure they're all correct. Page nine will have your assets and liabilities. The next page over will just have your current position with your insurances and then also your superannuation there as well. You scored growth. We kept you in growth just based on your risk tolerance and your time till retirement. You do have plenty of time, unfortunately, working life behind you, so you gotta do it a little bit longer. So you can more than afford to take on that eighty twenty split of close to defensive. Now in regards to the recommendation there, we are just recommending replace that band along at least for the time being with an Australian 200 replacement, and then just updating the entire portfolio just to make it a little bit more updated for the way the investment direction is working with the the investment committee there as well. So within regards to that, you will be removing your active management at the moment. You'll be more of a passive approach.","start_word":559,"end_word":738,"sentiment":"neutral","sentiment_score":0.12672474376029438},{"text":"This approach will also save you money in terms of the cost that you're spending in investment fees each year.","start_word":739,"end_word":758,"sentiment":"positive","sentiment_score":0.449201226234436},{"text":"In addition to that one, there as well, they are just tracking the market indices there. You don't have that the ability to outperform the market per se, but in saying that given that, you know, one of your active funds did quite well, one did quite poorly, it kind of balanced out anyway. If you track the indices, it might have performed a little bit better there as well and at a lower cost. You'll still have the same allocation to growth assets as opposed to the defensive assets. So it'll still be, you know, around the 85% growth and then 20% or, like, 15% defensive just based on the way they allocate, you know, our gold and the the portions to growth versus defensive being mainly a growth asset at the moment.","start_word":759,"end_word":892,"sentiment":"neutral","sentiment_score":0.12277128547430038},{"text":"Now the benefit of that with is still in line with your risk profile. You'll still be an ongoing client with Oakview. You'll have a lower investment cost and a better track history for the investments that you will be going into moving forward, if that makes sense.","start_word":893,"end_word":940,"sentiment":"positive","sentiment_score":0.4940515160560608},{"text":"Yes. Yep. So within regards to that, the main risk there given the way the markets are volatile at the moment, selling down to cash and then reinvesting, there is also the the risk that, you know, during that time frame, there could be dips and rises just on what's occurring. As long as they don't occur, like, too sort of rapidly there, it shouldn't affect your portfolio too much. Even if it takes a dive, you sell you buy back in, you sell low, buy low sort of thing. It's when it sort of jumps in the meantime. If anything, if you sold the cash and it takes a bit of a dip and you reinvest, it might sort of put you in a bit of a better position.","start_word":941,"end_word":1070,"sentiment":"neutral","sentiment_score":-0.09506101982954604},{"text":"If it goes the other way, it might put you in a little bit of a worse off position, but it may be only by a few percentage in terms of, like, missed growth, if that makes sense.","start_word":1071,"end_word":1108,"sentiment":"negative","sentiment_score":-0.3432343006134033},{"text":"Yep. We did also look at, you know, changing to a a cheaper retail platform with things that have changed in the, you know, the market and how that has gone.","start_word":1109,"end_word":1139,"sentiment":"neutral","sentiment_score":0.1559849977493286},{"text":"But given that, you know, Hub twenty fours were quite competitive in the market in terms of their pricing, their features are quite good as well.","start_word":1140,"end_word":1165,"sentiment":"positive","sentiment_score":0.46768301725387573},{"text":"And then given the amount of capital gains that you do have a liable on your account currently, this investment switch will lower the amount of capital gains you have to pay. The loss from Benelon will offset that as well, which will mean that you're not spending as much money to change over those investments moving forward. It will sort of show you sort of as an illustration what that might look like in five to ten years' time, but as it's, like, illustrations are there just to to be taken with a grain of salt given that they can, you know, fluctuate. And the fact is is that performance is never guaranteed.","start_word":1166,"end_word":1279,"sentiment":"neutral","sentiment_score":-0.09134847670793532},{"text":"It's one of those things and the risk you do take with investing, unfortunately.","start_word":1280,"end_word":1293,"sentiment":"negative","sentiment_score":-0.4055229127407074},{"text":"Do you have any questions in regards to that investment switch or that at all there? No. No. No. No questions. I'm trusting that you guys will invest what's best and and and, yeah, I just put all my trust in you guys. So just continue Yeah. investing whatever you think is gonna go up and help me. That's that's all I really ask. Yeah.","start_word":1294,"end_word":1358,"sentiment":"neutral","sentiment_score":0.10608803572563023},{"text":"And, obviously, active, you do have the potential to, you know, get that ability to outperform the the market.","start_word":1359,"end_word":1377,"sentiment":"positive","sentiment_score":0.41165655851364136},{"text":"And with that, though, it comes to the risk that that manager risk that they might not perform much like what happened with Benelon.","start_word":1378,"end_word":1401,"sentiment":"negative","sentiment_score":-0.3623048961162567},{"text":"Now with that as well-being in those index investments over the long term period of time, even when you get a really good fund manager, eventually, sort of, they do have some bad years and it kinda works out that, you know, over a ten to fifteen year period, generally, those index sort of investment funds do outperform as if you obviously change things around, you can still do that. But given that, you know, you're just wanting to to make sure you're getting that sustained long term growth and you're sort of not too, you know, fast with the the risk of, like, having more risk for more return. You just wanna have steady growth within your superannuation. We went with that more index option for you at least moving Yep. forward. Not to say we can't change it if you did wanna add a satellite back in down the track to try and have the ability to outperform the markets.","start_word":1402,"end_word":1563,"sentiment":"neutral","sentiment_score":0.13418705761432648},{"text":"We can definitely do that as well.","start_word":1564,"end_word":1570,"sentiment":"positive","sentiment_score":0.37592875957489014},{"text":"But in saying that just with the way the markets are at the moment and hard to pick the the winners in regards to, you know, what is happening, the index investment, at least you get that diversification and that lack of manager risk at least for the time being moving forward. Yep. Yeah. So as I said, roughly the same split in regards to your risk profile there. Currently, it's around 85% growth and around 14% defensive or 15%, and then it's around eighty six fourteen moving forward. And that's purely because gold is considered a growth asset at the moment in the way they're allocating it there. In regards to insurances there, feel free to have a look and see the the amounts you're insured for and then also the the shortfalls there. So you are a little bit underinsured in terms of, like, just covering your your debts. With that, you do have, obviously, your superannuation as part of that as well, but we didn't offset that. So if your goal was just 50% of your debt, currently, you're tiny a little bit underinsured, but given that, you know, you do have your superannuation and things like that as well.","start_word":1571,"end_word":1773,"sentiment":"neutral","sentiment_score":-0.026284246067768833},{"text":"And we're happy with that.","start_word":1774,"end_word":1778,"sentiment":"positive","sentiment_score":0.7192948460578918},{"text":"It's just something to be aware of moving forward, especially if you were to take on another purchase of a home or another primary residence and things like that as well. Okay. Yep. Yep. I know that's fifty fifty split with the the debt with your I believe it was did the brother, was it, for the ownership? Yeah. That's exactly right. Yep. Yeah. Yeah. So as long as he's, you know, happy, you know, covering anything Yep. else, In Charter. like, you do Yep. have an yeah. You do have enough in the sense to cover majority of that, but then he would obviously have to cover the rest. And as long as he can afford that, that's more than more than fine.","start_word":1779,"end_word":1902,"sentiment":"neutral","sentiment_score":0.12386547774076462},{"text":"Brilliant.","start_word":1903,"end_word":1903,"sentiment":"positive","sentiment_score":0.5445971488952637},{"text":"And then as far as remuneration's concerned, it's still the 1.65 ongoing. We still get 22 of that Clearview premium, and then a total sort of ongoing fees that we do collect as part of your advisers. There's around the $2,000 mark a bit over in terms of that 1.65<unk> of management balance and the premium we do get from what you pay to Clearview as well, if that makes sense. Yep. Yep. So that's largely the document in a very brief term. I know you do have to to get going. So with that, feel free to have a read through. It's Yeah. majority just that investment update and then switching on that portfolio. You can see probably the page that makes the most sense to have a look at is page 16. You'll see the buyers and the sales and what you're actually going into. Now Okay. Yep. with that one, you can also look at the link in the appendix there to be able to see in regards to that one what investments you would be going into if you do wanna have a look around that and see that. The Yep. majority of your holding with 30% of the key holding would be in the S and P 500, the top 500 companies in America, and that beta shares replacing that Benelong is the top 200 companies in Australia, which are on 20%. So that's the main portion of your portfolio. The rest are more satellites there that aim for, you know, growth Beautiful. in in other areas outside that. Alrighty.","start_word":1904,"end_word":2168,"sentiment":"neutral","sentiment_score":0.06380720937027122},{"text":"Beautiful.","start_word":2169,"end_word":2169,"sentiment":"positive","sentiment_score":0.4604538679122925},{"text":"Yep. I'll look at those documents when they come through. Not a problem there, Marcus. If you do have any other questions, feel free to shoot Nah. us an email or Yeah. give us a call. But Yeah. I will. Just email to that whatever the documents is. Did you wanna just send did you wanna just send me an email just so I know if I got any questions? I can Yep. email I'll you I'll just If shoot you could shoot you a follow-up email, do that. and you Yeah. can just, That'd yeah, be come awesome. back with any questions, and we can even organize Yeah. another time to run over to anything you Yep. have in regards Yep. That to that.","start_word":2170,"end_word":2294,"sentiment":"neutral","sentiment_score":0.11193400621414185},{"text":"sounds But that's good, Kyle. not a problem at all. You enjoy the rest of the day there, Marcus, Yeah. and you'd Thank have you to get for that.","start_word":2295,"end_word":2323,"sentiment":"positive","sentiment_score":0.4600827991962433},{"text":"going. Sorry to speed this, but, yeah, I appreciate that. Not a problem. It is quite a straightforward advice piece, but, yeah, other than that, any questions, let me know. But Okay.","start_word":2324,"end_word":2355,"sentiment":"neutral","sentiment_score":0.28079491574317217},{"text":"you enjoy Yeah. the rest of the I'll day there, I'll Marcus. beautiful. I'll shoot you an email too. Thanks. Thanks, Carl. Sounds good. Thanks. Okay. Enjoy the rest Bye. of your day. Thanks. Bye.","start_word":2356,"end_word":2390,"sentiment":"positive","sentiment_score":0.5380282998085022}],"average":{"sentiment":"neutral","sentiment_score":0.10397416211487504}}}}