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Mate, I've got your updated advice document ready to send through. Do you still have a bit of time for me to point? Perfect. So just before I pop that through, just gonna do the usual security check with you. I'm registered with Asic as adviser 1273105. Could you please confirm your date of birth and address? Perfect. Yeah. We've got that updated. Thank you very much for that. I've got the email address still your hot mail, dico dot eighty three. Is that okay to pop that through to there? Awesome. Will you be able to look onto the documents with me today, or should I just kinda walk you through what's coming by? Yep. No worries at all. And you're okay for the call to be recorded? Perfect. So along with the statement of advice, there's a a whole bunch of supporting documents that come through, just product disclosure documents updated for Hub twenty four and rest, and a bit of an appendix with some background research there as well. Now just because I'm kind of coming into this conversation that you've already had a couple of times, I'm just gonna reconfirm the scope of advice with you and then just kinda let you know the pros and cons of what we're recommending. So main thing was you went through a bit of a discussion with Kyle about trying to get some insurances in place. We did some research. He got back to you with a bit of a still have a bit of a time frame to wait until you can get those covers so you were comfortable to just kind of keep what you've got in place. Does that ring a bell? Yep. With the super, we're doing a bit of a portfolio review, just updating a few investments. There was one in particular that was a bit of underperforming, so we just thought we'd give it a bit of an engine tune up. And I've also been looking at the rest investments as well just in case. Before I jump into those, a couple of other things. So estate planning one, we were wanting to essentially leave most things through to your like, your parents and your siblings in terms of the super, the insurance, that kind of thing. Does that sound about right? Yeah. Pretty much. So the reminders in there, we just kind of outlined that the way to do it is you get the will in place and you nominate the super to go to your estate, and then that ties everything into that one document and it can go to whoever asked. Perfect. We're not giving advice in terms of, like, cash flow and budgeting. We've got all your goals in there about property, holiday to Bali, and in terms of just, yeah, general property market entrance over time. Now in terms of the main recommendation, so we're keeping you in a high growth. So that's listing out obviously 90% shares, property, gold, or growth assets. Now what we've essentially done is we've done a bit of a rebalance where the Venelon option that was underperforming, we've switched that one out for another active option, which is a bit more affordable, much better performance, and we've just rebalanced the rest of the portfolio there, just updating a few options in line with where we've got things now. I have actually recommended also, if you're comfortable, I wanted to bump up your rest super to high growth to be in line with your risk profile as well. And just a bit of a partial rollover just to swing the the top up across the hub and keep that 10,000 in there to the insurances. So, basically, the only other difference there, obviously, is you're still paying that $78 to keep the rest account open, and your growth assets will go up from about 85% up to $91.92, which is pretty much back on what we need. Alright. Main figures here, performance goes from just shy of 8% over five years to 14.14. So that kind of brings both funds back on track. And projections wise, that's around about another 25 to 70,000 over the next five to ten years. Cool. So I'll kinda leave you to have a look at those. If you're comfortable with all the recommendations, just give that one a sign. If there's anything you would like to alter, you can write in the authority to proceed anything that you don't wish to go ahead with. But outside of that, just put NA if you're happy with all the recommendations. So from here, mate, I'm pretty much going to just double check that all the accounts have your new address updated on it. If not, I'll get the team to reach out and flick that over to you. The only other two documents to worry about is we're gonna quickly give rest a call to see if they're okay to receive, like, digital sign or if it has to be, like, a wet signature, and then we'll kind of the implementation team will give you a buzz and let you know which way that's gotta go. Now do you want me to send out beneficiary forms to get that the state nomination going, or what would be your preference? So quick reminder there, you've got obviously lawyers, you've got the public trustee of your state, and even the post office has government approved will kits for, like, $25 and power of attorney kits as well. Easy done, mate. Any questions for me so far? So the key disadvantages you'll see in the document is we always factor in things like brokerage fees for the investments and capital gains tax under the hood, and then we just added that all into the projections as well. Beautiful, mate. So I'll leave that one with you. That's come through from our new Odoo sign. If you you have any trouble with that one, just give the team a buzz, but it's basically just scroll through the documents. All the attachments are at the bottom like a normal email, and then you can basically just click the buttons. It'll stamp signatures on. If you wanna draw it to match your license, you can just click on the box. Awesome. Anything else for me before I let you go? No worries. Now contact that you would like me to set up. Normally, we obviously do, like, annual reviews, but do you want me to see up any time this year in three to six months time for a bit of an update, or would you just rather wait for that annual review? Perfect. I'm just gonna quickly check on 24. So we do have a service agreement coming out to you at the moment just to kind of line things up with today because it's kind of reference date is made here in any way, and then we'll basically catch up again end of financial year next year. Alrighty. Mate, thank you so much for your time today. Have a fantastic time. And if you need anything, just give us a call. Thanks, Daniel. Catch you soon. 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morning, Daniel. It's Tommy here, senior adviser. I wrote you, mate. How are you going? Right.\n\nLiving the dream. It's a beautiful Friday. Happy Friday to you, sir. Thank you. Mate, I've got your updated advice document ready to send through.\n\nDo you still have a bit of time for me to point? Perfect. So just before I pop that through, just gonna do the usual security check with you. I'm registered with Asic as adviser 1273105. Could you please confirm your date of birth and address?\n\nPerfect. Yeah. We've got that updated. Thank you very much for that. I've got the email address still your hot mail, dico dot eighty three.\n\nIs that okay to pop that through to there? Awesome. Will you be able to look onto the documents with me today, or should I just kinda walk you through what's coming by? Yep. No worries at all.\n\nAnd you're okay for the call to be recorded? Perfect. So along with the statement of advice, there's a a whole bunch of supporting documents that come through, just product disclosure documents updated for Hub twenty four and rest, and a bit of an appendix with some background research there as well. Now just because I'm kind of coming into this conversation that you've already had a couple of times, I'm just gonna reconfirm the scope of advice with you and then just kinda let you know the pros and cons of what we're recommending. So main thing was you went through a bit of a discussion with Kyle about trying to get some insurances in place.\n\nWe did some research. He got back to you with a bit of a still have a bit of a time frame to wait until you can get those covers so you were comfortable to just kind of keep what you've got in place. Does that ring a bell? Yep. With the super, we're doing a bit of a portfolio review, just updating a few investments.\n\nThere was one in particular that was a bit of underperforming, so we just thought we'd give it a bit of an engine tune up. And I've also been looking at the rest investments as well just in case. Before I jump into those, a couple of other things. So estate planning one, we were wanting to essentially leave most things through to your like, your parents and your siblings in terms of the super, the insurance, that kind of thing. Does that sound about right?\n\nYeah. Pretty much. So the reminders in there, we just kind of outlined that the way to do it is you get the will in place and you nominate the super to go to your estate, and then that ties everything into that one document and it can go to whoever asked. Perfect. We're not giving advice in terms of, like, cash flow and budgeting.\n\nWe've got all your goals in there about property, holiday to Bali, and in terms of just, yeah, general property market entrance over time. Now in terms of the main recommendation, so we're keeping you in a high growth. So that's listing out obviously 90% shares, property, gold, or growth assets. Now what we've essentially done is we've done a bit of a rebalance where the Venelon option that was underperforming, we've switched that one out for another active option, which is a bit more affordable, much better performance, and we've just rebalanced the rest of the portfolio there, just updating a few options in line with where we've got things now. I have actually recommended also, if you're comfortable, I wanted to bump up your rest super to high growth to be in line with your risk profile as well.\n\nAnd just a bit of a partial rollover just to swing the the top up across the hub and keep that 10,000 in there to the insurances. So, basically, the only other difference there, obviously, is you're still paying that $78 to keep the rest account open, and your growth assets will go up from about 85% up to $91.92, which is pretty much back on what we need. Alright. Main figures here, performance goes from just shy of 8% over five years to 14.14. So that kind of brings both funds back on track.\n\nAnd projections wise, that's around about another 25 to 70,000 over the next five to ten years. Cool. So I'll kinda leave you to have a look at those. If you're comfortable with all the recommendations, just give that one a sign. If there's anything you would like to alter, you can write in the authority to proceed anything that you don't wish to go ahead with.\n\nBut outside of that, just put NA if you're happy with all the recommendations. So from here, mate, I'm pretty much going to just double check that all the accounts have your new address updated on it. If not, I'll get the team to reach out and flick that over to you. The only other two documents to worry about is we're gonna quickly give rest a call to see if they're okay to receive, like, digital sign or if it has to be, like, a wet signature, and then we'll kind of the implementation team will give you a buzz and let you know which way that's gotta go. Now do you want me to send out beneficiary forms to get that the state nomination going, or what would be your preference?\n\nSo quick reminder there, you've got obviously lawyers, you've got the public trustee of your state, and even the post office has government approved will kits for, like, $25 and power of attorney kits as well. Easy done, mate. Any questions for me so far? So the key disadvantages you'll see in the document is we always factor in things like brokerage fees for the investments and capital gains tax under the hood, and then we just added that all into the projections as well. Beautiful, mate.\n\nSo I'll leave that one with you. That's come through from our new Odoo sign. If you you have any trouble with that one, just give the team a buzz, but it's basically just scroll through the documents. All the attachments are at the bottom like a normal email, and then you can basically just click the buttons. It'll stamp signatures on.\n\nIf you wanna draw it to match your license, you can just click on the box. Awesome. Anything else for me before I let you go? No worries. Now contact that you would like me to set up.\n\nNormally, we obviously do, like, annual reviews, but do you want me to see up any time this year in three to six months time for a bit of an update, or would you just rather wait for that annual review? Perfect. I'm just gonna quickly check on 24. So we do have a service agreement coming out to you at the moment just to kind of line things up with today because it's kind of reference date is made here in any way, and then we'll basically catch up again end of financial year next year. Alrighty.\n\nMate, thank you so much for your time today. Have a fantastic time. And if you need anything, just give us a call. Thanks, Daniel. Catch you soon.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good morning, Daniel.","start":3.12,"end":4.0,"sentiment":"neutral","sentiment_score":0.2765151063601176},{"text":"It's Tommy here, senior adviser.","start":4.0,"end":5.4399996,"sentiment":"neutral","sentiment_score":0.11805112212896347},{"text":"I wrote you, mate.","start":5.4399996,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.14026136696338654},{"text":"How are you going?","start":6.3199997,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.23306093364953995},{"text":"Right.","start":9.44,"end":9.76,"sentiment":"positive","sentiment_score":0.5006470680236816}],"sentiment":"neutral","sentiment_score":0.2008080706000328,"num_words":17,"start":3.12,"end":9.76},{"sentences":[{"text":"Living the dream.","start":9.76,"end":10.48,"sentiment":"positive","sentiment_score":0.628572920958201},{"text":"It's a beautiful 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email address still your hot mail, dico dot eighty three.","start":51.81,"end":56.13,"sentiment":"neutral","sentiment_score":0.1688146241582357}],"sentiment":"neutral","sentiment_score":0.28585432440042496,"num_words":25,"start":47.525,"end":56.13},{"sentences":[{"text":"Is that okay to pop that through to there?","start":56.13,"end":58.15,"sentiment":"neutral","sentiment_score":0.0786998284359773},{"text":"Awesome.","start":59.97,"end":60.29,"sentiment":"positive","sentiment_score":0.4516262412071228},{"text":"Will you be able to look onto the documents with me today, or should I just kinda walk you through what's coming by?","start":60.29,"end":65.35,"sentiment":"neutral","sentiment_score":0.17490902737430905},{"text":"Yep.","start":68.395004,"end":68.795006,"sentiment":"neutral","sentiment_score":0.09481601417064668},{"text":"No worries at 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then just kinda let you know the pros and cons of what we're recommending.","start":90.14,"end":100.605,"sentiment":"neutral","sentiment_score":0.06232039465807205},{"text":"So main thing was you went through a bit of a discussion with Kyle about trying to get some insurances in place.","start":102.905,"end":108.845,"sentiment":"neutral","sentiment_score":0.017939198423515667}],"sentiment":"neutral","sentiment_score":0.06141312668720881,"num_words":117,"start":69.435005,"end":108.845},{"sentences":[{"text":"We did some research.","start":109.79,"end":110.99,"sentiment":"neutral","sentiment_score":0.031224291771650314},{"text":"He got back to you with a bit of a still have a bit of a time frame to wait until you can get those covers so you were comfortable to just kind of keep what you've got in place.","start":110.99,"end":121.63,"sentiment":"neutral","sentiment_score":0.1335280103608966},{"text":"Does that ring a bell?","start":121.63,"end":122.745,"sentiment":"neutral","sentiment_score":0.054470979422330854},{"text":"Yep.","start":124.745,"end":125.245,"sentiment":"neutral","sentiment_score":0.2762993574142456},{"text":"With the super, we're doing a bit of a portfolio review, just updating a few investments.","start":125.305,"end":129.225,"sentiment":"neutral","sentiment_score":0.09384005959145725}],"sentiment":"neutral","sentiment_score":0.11388049681078304,"num_words":66,"start":109.79,"end":129.225},{"sentences":[{"text":"There was one in particular that was a bit of underperforming, so we just thought we'd give it a bit of an engine tune up.","start":129.225,"end":135.57,"sentiment":"neutral","sentiment_score":-0.21164778113365174},{"text":"And I've also been looking at the rest investments as well just in case.","start":135.81001,"end":139.83,"sentiment":"neutral","sentiment_score":0.07403785176575184},{"text":"Before I jump into those, a couple of other things.","start":141.73001,"end":144.37001,"sentiment":"neutral","sentiment_score":-0.006805292889475822},{"text":"So estate planning one, we were wanting to essentially leave most things through to your like, your parents and your siblings in terms of the super, the insurance, that kind of thing.","start":144.37001,"end":156.395,"sentiment":"neutral","sentiment_score":0.038069450529292226},{"text":"Does that sound about right?","start":156.455,"end":157.835,"sentiment":"neutral","sentiment_score":0.0655568890273571}],"sentiment":"neutral","sentiment_score":-0.032287333377225454,"num_words":86,"start":129.225,"end":157.835},{"sentences":[{"text":"Yeah.","start":163.93,"end":164.25,"sentiment":"neutral","sentiment_score":0.10547621548175812},{"text":"Pretty much.","start":164.25,"end":164.81,"sentiment":"neutral","sentiment_score":0.16088732331991196},{"text":"So the reminders in there, we just kind of outlined that the way to do it is you get the will in place and you nominate the super to go to your estate, and then that ties everything into that one document and it can go to whoever asked.","start":164.81,"end":176.67,"sentiment":"neutral","sentiment_score":0.23973886547039966},{"text":"Perfect.","start":179.515,"end":180.015,"sentiment":"positive","sentiment_score":0.6047651767730713},{"text":"We're not giving advice in terms of, like, cash flow and budgeting.","start":180.075,"end":183.935,"sentiment":"neutral","sentiment_score":-0.030569045183559258}],"sentiment":"neutral","sentiment_score":0.19095987545756193,"num_words":65,"start":163.93,"end":183.935},{"sentences":[{"text":"We've got all your goals in there about property, holiday to Bali, and in terms of just, yeah, general property market entrance over time.","start":184.475,"end":194.44,"sentiment":"neutral","sentiment_score":0.18633841102321944},{"text":"Now in terms of the main recommendation, so we're keeping you in a high growth.","start":195.22,"end":200.12,"sentiment":"positive","sentiment_score":0.33683156967163086},{"text":"So that's listing out obviously 90% shares, property, gold, or growth assets.","start":200.42,"end":206.28,"sentiment":"neutral","sentiment_score":0.15732653314868608},{"text":"Now what we've essentially done is we've done a bit of a rebalance where the Venelon option that was underperforming, we've switched that one out for another active option, which is a bit more affordable, much better performance, and we've just rebalanced the rest of the portfolio there, just updating a few options in line with where we've got things now.","start":208.195,"end":227.95999,"sentiment":"neutral","sentiment_score":0.25382716489619894},{"text":"I have actually recommended also, if you're comfortable, I wanted to bump up your rest super to high growth to be in line with your risk profile as well.","start":228.5,"end":236.68,"sentiment":"positive","sentiment_score":0.38929611650006524}],"sentiment":"neutral","sentiment_score":0.27081956201834034,"num_words":141,"start":184.475,"end":236.68},{"sentences":[{"text":"And just a bit of a partial rollover just to swing the the top up across the hub and keep that 10,000 in there to the insurances.","start":238.795,"end":245.935,"sentiment":"neutral","sentiment_score":0.13336146622896194},{"text":"So, basically, the only other difference there, obviously, is you're still paying that $78 to keep the rest account open, and your growth assets will go up from about 85% up to $91.92, which is pretty much back on what we need.","start":248.235,"end":262.8,"sentiment":"neutral","sentiment_score":0.23623719598565782},{"text":"Alright.","start":264.95502,"end":265.45502,"sentiment":"positive","sentiment_score":0.3605134487152099},{"text":"Main figures here, performance goes from just shy of 8% over five years to 14.14.","start":265.595,"end":271.755,"sentiment":"positive","sentiment_score":0.41246752738952636},{"text":"So that kind of brings both funds back on track.","start":271.755,"end":274.33502,"sentiment":"positive","sentiment_score":0.6082667887210846}],"sentiment":"neutral","sentiment_score":0.27529385332998474,"num_words":95,"start":238.795,"end":274.33502},{"sentences":[{"text":"And projections wise, that's around about another 25 to 70,000 over the next five to ten years.","start":274.71503,"end":282.74,"sentiment":"neutral","sentiment_score":0.25752295816645904},{"text":"Cool.","start":285.12,"end":285.59998,"sentiment":"positive","sentiment_score":0.4556509256362915},{"text":"So I'll kinda leave you to have a look at those.","start":285.59998,"end":288.09998,"sentiment":"neutral","sentiment_score":0.21061513234268536},{"text":"If you're comfortable with all the recommendations, just give that one a sign.","start":288.56,"end":292.5,"sentiment":"neutral","sentiment_score":0.16250706750612992},{"text":"If there's anything you would like to alter, you can write in the authority to proceed anything that you don't wish to go ahead with.","start":292.605,"end":299.58502,"sentiment":"neutral","sentiment_score":0.02678585226647556}],"sentiment":"neutral","sentiment_score":0.1482469530518987,"num_words":67,"start":274.71503,"end":299.58502},{"sentences":[{"text":"But outside of that, just put NA if you're happy with all the recommendations.","start":299.80502,"end":303.265,"sentiment":"neutral","sentiment_score":0.09757242378379617},{"text":"So from here, mate, I'm pretty much going to just double check that all the accounts have your new address updated on it.","start":306.3,"end":312.4,"sentiment":"neutral","sentiment_score":0.1492774933576584},{"text":"If not, I'll get the team to reach out and flick that over to you.","start":312.46,"end":315.91998,"sentiment":"neutral","sentiment_score":0.13250433007876078},{"text":"The only other two documents to worry about is we're gonna quickly give rest a call to see if they're okay to receive, like, digital sign or if it has to be, like, a wet signature, and then we'll kind of the implementation team will give you a buzz and let you know which way that's gotta go.","start":317.355,"end":333.0,"sentiment":"neutral","sentiment_score":0.12035174850888293},{"text":"Now do you want me to send out beneficiary forms to get that the state nomination going, or what would be your preference?","start":334.58002,"end":341.32,"sentiment":"neutral","sentiment_score":0.02578776722530956}],"sentiment":"neutral","sentiment_score":0.10797354354194008,"num_words":133,"start":299.80502,"end":341.32},{"sentences":[{"text":"So quick reminder there, you've got obviously lawyers, you've got the public trustee of your state, and even the post office has government approved will kits for, like, $25 and power of attorney kits as well.","start":348.035,"end":360.16998,"sentiment":"neutral","sentiment_score":0.04999785559872786},{"text":"Easy done, mate.","start":362.63,"end":363.34998,"sentiment":"positive","sentiment_score":0.46888025601704914},{"text":"Any questions for me so far?","start":363.34998,"end":364.88998,"sentiment":"neutral","sentiment_score":0.07109514251351357},{"text":"So the key disadvantages you'll see in the document is we always factor in things like brokerage fees for the investments and capital gains tax under the hood, and then we just added that all into the projections as well.","start":368.87,"end":380.205,"sentiment":"neutral","sentiment_score":-0.15680306470021604},{"text":"Beautiful, mate.","start":382.425,"end":382.985,"sentiment":"positive","sentiment_score":0.4847417324781418}],"sentiment":"neutral","sentiment_score":-0.019189709176619846,"num_words":87,"start":348.035,"end":382.985},{"sentences":[{"text":"So I'll leave that one with you.","start":382.985,"end":384.025,"sentiment":"neutral","sentiment_score":0.18452233501843043},{"text":"That's come through from our new Odoo sign.","start":384.025,"end":386.025,"sentiment":"neutral","sentiment_score":0.14758595172315836},{"text":"If you you have any trouble with that one, just give the team a buzz, but it's basically just scroll through the documents.","start":386.025,"end":391.36002,"sentiment":"neutral","sentiment_score":0.0638593414231487},{"text":"All the attachments are at the bottom like a normal email, and then you can basically just click the buttons.","start":391.82,"end":396.7,"sentiment":"neutral","sentiment_score":0.07170462198555469},{"text":"It'll stamp signatures on.","start":396.7,"end":398.3,"sentiment":"neutral","sentiment_score":0.06417430564761162}],"sentiment":"neutral","sentiment_score":0.09083707216045549,"num_words":62,"start":382.985,"end":398.3},{"sentences":[{"text":"If you wanna draw it to match your license, you can just click on the box.","start":398.3,"end":401.68,"sentiment":"neutral","sentiment_score":0.0676236271392554},{"text":"Awesome.","start":404.495,"end":404.975,"sentiment":"neutral","sentiment_score":0.2043013721704483},{"text":"Anything else for me before I let you go?","start":404.975,"end":406.755,"sentiment":"neutral","sentiment_score":0.08663286889592807},{"text":"No worries.","start":409.615,"end":410.175,"sentiment":"neutral","sentiment_score":0.09932007268071175},{"text":"Now contact that you would like me to set up.","start":410.175,"end":414.27,"sentiment":"neutral","sentiment_score":0.06192096583545208}],"sentiment":"neutral","sentiment_score":0.07589013237310083,"num_words":38,"start":398.3,"end":414.27},{"sentences":[{"text":"Normally, we obviously do, like, annual reviews, but do you want me to see up any time this year in three to six months time for a bit of an update, or would you just rather wait for that annual review?","start":414.50998,"end":424.05,"sentiment":"neutral","sentiment_score":0.0226889573855371},{"text":"Perfect.","start":427.565,"end":427.885,"sentiment":"positive","sentiment_score":0.3887633979320526},{"text":"I'm just gonna quickly check on 24.","start":427.885,"end":430.625,"sentiment":"neutral","sentiment_score":0.23436372407845088},{"text":"So we do have a service agreement coming out to you at the moment just to kind of line things up with today because it's kind of reference date is made here in any way, and then we'll basically catch up again end of financial year next year.","start":431.405,"end":447.51,"sentiment":"neutral","sentiment_score":0.13611637630189458},{"text":"Alrighty.","start":450.69,"end":451.19,"sentiment":"positive","sentiment_score":0.5717753171920776}],"sentiment":"neutral","sentiment_score":0.10270324590786988,"num_words":98,"start":414.50998,"end":451.19},{"sentences":[{"text":"Mate, thank you so much for your time today.","start":451.25,"end":453.43,"sentiment":"positive","sentiment_score":0.8613461256027222},{"text":"Have a fantastic time.","start":453.865,"end":455.305,"sentiment":"positive","sentiment_score":0.862230122089386},{"text":"And if you need anything, just give us a call.","start":455.305,"end":458.125,"sentiment":"positive","sentiment_score":0.3972738951444626},{"text":"Thanks, Daniel.","start":460.505,"end":461.305,"sentiment":"positive","sentiment_score":0.7699401378631592},{"text":"Catch you soon.","start":461.305,"end":462.125,"sentiment":"positive","sentiment_score":0.6743644674619039}],"sentiment":"positive","sentiment_score":0.6691695802978107,"num_words":28,"start":451.25,"end":462.125},{"sentences":[{"text":"Bye.","start":463.945,"end":464.445,"sentiment":"neutral","sentiment_score":-0.09715710580348969}],"sentiment":"neutral","sentiment_score":-0.09715710580348969,"num_words":1,"start":463.945,"end":464.445}]}}]},{"alternatives":[{"transcript":"Hello? Well, thanks, Tommy. And you? Happy Friday. Yeah. That's fine. Thirty the third eighty three. Address, I don't know whether it's been changed by a new one, but it's 54 C William Street, Moffett Beach. Yeah. That's fine. You can just walk me through. That's fine. Yep. That's okay. Mhmm. Okay. Yep. Okay. Yep. Yeah. That's fine. Yep. Mhmm. Yes. Yeah. I believe you can't really do that, though, unless I get a will in place. Yep. Yeah. Okay. Yep. Yep. Yep. Mhmm. Yep. Okay. Yep. Okay. Yep. Yep. Yep. Okay. Mhmm. One. Mhmm. Yep. Okay. Great. Yep. Mhmm. Okay. No worries. Yep. Yep. Right. Yeah. I can. Mhmm. Yeah. Yeah. That's fine. Send that out, and I'll try and get a will thing done at some point. Yep. Okay. Okay. Great. I'll check that out. No. Not really. I think it's all fairly good. Yeah. Mhmm. Okay. Cool. Yep. Yep. Okay. No worries. No. That's all good. Thank you for that. Annual review is fine. Mhmm. Well, David. Thanks very much. 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Well, thanks, Tommy. And you? Happy Friday. Yeah.\n\nThat's fine. Thirty the third eighty three. Address, I don't know whether it's been changed by a new one, but it's 54 C William Street, Moffett Beach. Yeah. That's fine.\n\nYou can just walk me through. That's fine. Yep. That's okay. Mhmm.\n\nOkay. Yep. Okay. Yep. Yeah.\n\nThat's fine. Yep. Mhmm. Yes. Yeah.\n\nI believe you can't really do that, though, unless I get a will in place. Yep. Yeah. Okay. Yep.\n\nYep. Yep. Mhmm. Yep. Okay.\n\nYep. Okay. Yep. Yep. Yep.\n\nOkay. Mhmm. One. Mhmm. Yep.\n\nOkay. Great. Yep. Mhmm. Okay.\n\nNo worries. Yep. Yep. Right. Yeah.\n\nI can. Mhmm. Yeah. Yeah. That's fine.\n\nSend that out, and I'll try and get a will thing done at some point. Yep. Okay. Okay. Great.\n\nI'll check that out. No. Not really. I think it's all fairly good. Yeah.\n\nMhmm. Okay. Cool. Yep. Yep.\n\nOkay. No worries. No. That's all good. Thank you for that.\n\nAnnual review is fine. Mhmm. Well, David. Thanks very much. 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worries.","start":304.585,"end":305.32498,"sentiment":"neutral","sentiment_score":0.10403724759817123},{"text":"Yep.","start":312.55002,"end":313.05002,"sentiment":"neutral","sentiment_score":0.07543793320655823},{"text":"Yep.","start":316.55,"end":316.95,"sentiment":"neutral","sentiment_score":0.11825169622898102},{"text":"Right.","start":316.95,"end":317.45,"sentiment":"neutral","sentiment_score":0.13372273743152618},{"text":"Yeah.","start":327.845,"end":328.345,"sentiment":"neutral","sentiment_score":0.10888978093862534}],"sentiment":"neutral","sentiment_score":0.10739610716700554,"num_words":6,"start":304.585,"end":328.345},{"sentences":[{"text":"I can.","start":331.765,"end":332.42502,"sentiment":"neutral","sentiment_score":0.15065103024244308},{"text":"Mhmm.","start":340.12997,"end":340.61,"sentiment":"neutral","sentiment_score":0.011805454269051552},{"text":"Yeah.","start":340.61,"end":341.11,"sentiment":"neutral","sentiment_score":0.019350850954651833},{"text":"Yeah.","start":342.28998,"end":342.61,"sentiment":"neutral","sentiment_score":0.12416715919971466},{"text":"That's fine.","start":342.61,"end":343.16998,"sentiment":"neutral","sentiment_score":0.2900296300649643}],"sentiment":"neutral","sentiment_score":0.14809782643403327,"num_words":7,"start":331.765,"end":343.16998},{"sentences":[{"text":"Send that out, and I'll try and get a will thing done at some point.","start":343.16998,"end":346.94998,"sentiment":"neutral","sentiment_score":0.1730240652958552},{"text":"Yep.","start":353.775,"end":354.275,"sentiment":"neutral","sentiment_score":0.05099331587553024},{"text":"Okay.","start":358.095,"end":358.595,"sentiment":"neutral","sentiment_score":0.04776829108595848},{"text":"Okay.","start":360.71002,"end":361.03,"sentiment":"neutral","sentiment_score":0.1532558798789978},{"text":"Great.","start":361.03,"end":361.53,"sentiment":"positive","sentiment_score":0.5407068133354187}],"sentiment":"neutral","sentiment_score":0.17832027787440702,"num_words":19,"start":343.16998,"end":361.53},{"sentences":[{"text":"I'll check that out.","start":362.63,"end":363.85,"sentiment":"positive","sentiment_score":0.4160221591591835},{"text":"No.","start":365.11002,"end":365.35,"sentiment":"neutral","sentiment_score":-0.10717996954917908},{"text":"Not really.","start":365.35,"end":365.91,"sentiment":"neutral","sentiment_score":-0.1596749797463417},{"text":"I think it's all fairly good.","start":365.91,"end":368.01,"sentiment":"neutral","sentiment_score":-0.14672200630108514},{"text":"Yeah.","start":376.03497,"end":376.53497,"sentiment":"neutral","sentiment_score":-0.11874772608280182}],"sentiment":"neutral","sentiment_score":0.01703421026468277,"num_words":14,"start":362.63,"end":376.53497},{"sentences":[{"text":"Mhmm.","start":377.875,"end":378.375,"sentiment":"neutral","sentiment_score":-0.10294535756111144},{"text":"Okay.","start":380.595,"end":381.07498,"sentiment":"neutral","sentiment_score":0.10202395915985107},{"text":"Cool.","start":381.07498,"end":381.57498,"sentiment":"neutral","sentiment_score":0.2882874011993408},{"text":"Yep.","start":392.21,"end":392.71,"sentiment":"neutral","sentiment_score":0.07237137854099274},{"text":"Yep.","start":394.93,"end":395.43,"sentiment":"neutral","sentiment_score":0.06060519069433212}],"sentiment":"neutral","sentiment_score":0.08406851440668106,"num_words":5,"start":377.875,"end":395.43},{"sentences":[{"text":"Okay.","start":402.355,"end":402.835,"sentiment":"neutral","sentiment_score":0.06463828682899475},{"text":"No worries.","start":402.835,"end":403.495,"sentiment":"neutral","sentiment_score":0.09746092557907104},{"text":"No.","start":406.755,"end":406.995,"sentiment":"neutral","sentiment_score":0.06793779134750366},{"text":"That's all good.","start":406.995,"end":407.555,"sentiment":"neutral","sentiment_score":0.23750275373458862},{"text":"Thank you for that.","start":407.555,"end":408.535,"sentiment":"positive","sentiment_score":0.4804266318678856}],"sentiment":"neutral","sentiment_score":0.2692466107281772,"num_words":11,"start":402.355,"end":408.535},{"sentences":[{"text":"Annual review is fine.","start":424.49,"end":425.87,"sentiment":"neutral","sentiment_score":0.10923961456865072},{"text":"Mhmm.","start":439.225,"end":439.725,"sentiment":"neutral","sentiment_score":0.0977448970079422},{"text":"Well, David.","start":458.305,"end":458.785,"sentiment":"neutral","sentiment_score":0.3286164253950119},{"text":"Thanks very much.","start":458.785,"end":459.685,"sentiment":"positive","sentiment_score":0.8151254256566366},{"text":"See you.","start":462.305,"end":463.045,"sentiment":"positive","sentiment_score":0.46771109104156494}],"sentiment":"positive","sentiment_score":0.3810612220938007,"num_words":12,"start":424.49,"end":463.045}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good morning, Daniel. It's Tommy here, senior\n\nChannel 1: Hello?\n\nChannel 0: adviser. I wrote you, mate. How are you going?\n\nChannel 1: Well, thanks, Tommy. And you?\n\nChannel 0: Right. Living the dream. It's a beautiful Friday. Happy Friday to you, sir.\n\nChannel 1: Happy Friday.\n\nChannel 0: Thank you. Mate, I've got your updated advice document ready to send through. Do you still have a bit of time for me to point?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Perfect. So just before I pop that through, just gonna do the usual security check with you. I'm registered with Asic as adviser 1273105. Could you please confirm your date of birth and address?\n\nChannel 1: Thirty the third eighty three. Address, I don't know whether it's been changed by a new one, but it's 54 C William Street, Moffett\n\nChannel 0: Perfect. Yeah. We've got that updated. Thank you very much for that. I've got the email address still your hot mail, dico dot eighty\n\nChannel 1: Beach.\n\nChannel 0: three. Is that okay to pop that through to there?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Awesome. Will you be able to look onto the documents with me today, or should I just kinda walk you through what's coming by?\n\nChannel 1: You can just walk me through. That's fine.\n\nChannel 0: Yep. No worries at all. And you're okay for the call to be recorded?\n\nChannel 1: Yep. That's okay.\n\nChannel 0: Perfect. So along with the statement of advice, there's a a whole bunch of supporting documents that come through, just product disclosure documents updated for Hub twenty four and rest, and\n\nChannel 1: Mhmm.\n\nChannel 0: a bit of an appendix with some background research\n\nChannel 1: Okay.\n\nChannel 0: there as well. Now just because I'm kind of coming into this conversation that you've already had a couple of times, I'm just gonna reconfirm the scope of advice with you and then just\n\nChannel 1: Yep.\n\nChannel 0: kinda let you know the pros and cons of what we're recommending.\n\nChannel 1: Okay.\n\nChannel 0: So main thing was you went through a bit of a discussion with Kyle about trying to get some insurances in place.\n\nChannel 1: Yep.\n\nChannel 0: We did some research. He got back to you with a bit of a still have a bit of a time frame to wait until you can get those covers so you were comfortable to just kind of keep what you've got in place. Does that ring a bell?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. With the super, we're doing a bit of a portfolio review, just updating a few investments. There was one in particular that was a bit of underperforming, so we just thought we'd give it a bit of an engine tune up.\n\nChannel 1: Yep.\n\nChannel 0: And I've also been looking at the rest investments as well just in case.\n\nChannel 1: Mhmm.\n\nChannel 0: Before I jump into those, a couple of other things. So estate planning one, we were wanting to essentially leave most things through to your like, your parents and your siblings in terms of the super, the insurance, that kind of thing. Does that sound\n\nChannel 1: Yes.\n\nChannel 0: about right?\n\nChannel 1: Yeah. I believe you can't really do that, though, unless I get a will in place.\n\nChannel 0: Yeah. Pretty much. So the reminders in there, we just kind of outlined that the way to do it is\n\nChannel 1: Yep.\n\nChannel 0: you get the will in place and you nominate the super to go to your estate, and then that ties everything into that one document and it can go to whoever asked.\n\nChannel 1: Yeah. Okay. Yep.\n\nChannel 0: Perfect. We're not giving advice in terms of, like, cash flow and budgeting. We've got all your goals in there about property, holiday to Bali,\n\nChannel 1: Yep.\n\nChannel 0: and in terms of just, yeah, general property market\n\nChannel 1: Yep.\n\nChannel 0: entrance over time. Now in terms of the main recommendation, so we're keeping you in a high growth. So\n\nChannel 1: Mhmm.\n\nChannel 0: that's listing out obviously 90% shares, property, gold, or growth assets.\n\nChannel 1: Yep.\n\nChannel 0: Now what we've essentially done is we've done a bit of a rebalance where the\n\nChannel 1: Okay.\n\nChannel 0: Venelon option that was underperforming, we've switched that one out for another active option, which is a bit more affordable,\n\nChannel 1: Yep.\n\nChannel 0: much better performance, and we've just rebalanced the rest of the portfolio there, just updating a few options in line with where we've got things now.\n\nChannel 1: Okay.\n\nChannel 0: I have actually recommended also, if you're comfortable, I wanted to bump up your rest super to high growth to be in line with your risk profile as well.\n\nChannel 1: Yep. Yep.\n\nChannel 0: And just\n\nChannel 1: Yep.\n\nChannel 0: a bit of a partial rollover just to swing the the top up across the hub and keep that 10,000 in there to the insurances.\n\nChannel 1: Okay.\n\nChannel 0: So, basically, the only other difference there, obviously, is you're still paying that $78 to keep the rest account open,\n\nChannel 1: Mhmm.\n\nChannel 0: and your growth assets will go up from about 85% up to $91.92,\n\nChannel 1: One.\n\nChannel 0: which is\n\nChannel 1: Mhmm.\n\nChannel 0: pretty much back on what we need. Alright. Main figures here, performance goes from just shy of 8% over five years to 14.14. So that kind of brings both funds back on track.\n\nChannel 1: Yep.\n\nChannel 0: And projections wise, that's around about another 25 to 70,000 over the next five to ten years.\n\nChannel 1: Okay. Great.\n\nChannel 0: Cool. So I'll kinda leave you to have a look at those. If you're comfortable with all the recommendations, just give that one a sign. If there's\n\nChannel 1: Yep.\n\nChannel 0: anything you would like to alter, you can write in the authority to proceed anything that you don't wish to go ahead with. But\n\nChannel 1: Mhmm.\n\nChannel 0: outside of that, just put NA if you're happy with all the recommendations.\n\nChannel 1: Okay. No worries.\n\nChannel 0: So from here, mate, I'm pretty much going to just double check that all the accounts have your new address updated on it. If\n\nChannel 1: Yep.\n\nChannel 0: not, I'll get the team to reach out and flick that over to you.\n\nChannel 1: Yep. Right.\n\nChannel 0: The only other two documents to worry about is we're gonna quickly give rest a call to see if they're okay to receive, like, digital sign or if it has to be, like, a wet signature, and then\n\nChannel 1: Yeah.\n\nChannel 0: we'll kind of the implementation team will give you a buzz and let you know which\n\nChannel 1: I\n\nChannel 0: way that's\n\nChannel 1: can.\n\nChannel 0: gotta go. Now do you want me to send out beneficiary forms to get that the state nomination going, or\n\nChannel 1: Mhmm.\n\nChannel 0: what would be\n\nChannel 1: Yeah.\n\nChannel 0: your preference?\n\nChannel 1: Yeah. That's fine. Send that out, and I'll try and get a will thing done at some point.\n\nChannel 0: So quick reminder there, you've got obviously lawyers, you've got the public trustee of your state, and\n\nChannel 1: Yep.\n\nChannel 0: even the post office has government approved will kits for, like, $25\n\nChannel 1: Okay.\n\nChannel 0: and power of attorney kits as well.\n\nChannel 1: Okay. Great. I'll\n\nChannel 0: Easy\n\nChannel 1: check\n\nChannel 0: done,\n\nChannel 1: that\n\nChannel 0: mate. Any\n\nChannel 1: out.\n\nChannel 0: questions for me so far?\n\nChannel 1: No. Not really. I think it's all fairly good.\n\nChannel 0: So the key disadvantages you'll see in the document is we always factor in things like brokerage fees for the investments and capital gains\n\nChannel 1: Yeah.\n\nChannel 0: tax under the hood, and then we just\n\nChannel 1: Mhmm.\n\nChannel 0: added that all into the projections as well.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Beautiful, mate. So I'll leave that one with you. That's come through from our new Odoo sign. If you you have any trouble with that one, just give the team a buzz, but it's basically just scroll through the documents. All the attachments\n\nChannel 1: Yep.\n\nChannel 0: are at the bottom like a normal email, and\n\nChannel 1: Yep.\n\nChannel 0: then you can basically just click the buttons. It'll stamp signatures on. If you wanna draw it to match your license, you can just click on the box.\n\nChannel 1: Okay. No worries.\n\nChannel 0: Awesome. Anything else for me before I let you go?\n\nChannel 1: No. That's all good. Thank you for that.\n\nChannel 0: No worries. Now contact that you would like me to set up. Normally, we obviously do, like, annual reviews, but do you want me to see up any time this year in three to six months time for a bit of an update, or would you just rather wait for that annual review?\n\nChannel 1: Annual review is fine.\n\nChannel 0: Perfect. I'm just gonna quickly check on 24. So we do have a service agreement coming out to you at the moment just to kind of line things up with today\n\nChannel 1: Mhmm.\n\nChannel 0: because it's kind of reference date is made here in any way, and then we'll basically catch up again end of financial year next year. Alrighty. Mate, thank you so much for your time today. Have a fantastic time. And if you need anything, just give us a call.\n\nChannel 1: Well, David. Thanks very much.\n\nChannel 0: Thanks, Daniel. Catch you soon.\n\nChannel 1: See you.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Daniel.","start":3.12,"end":4.0,"sentiment":"neutral","sentiment_score":0.2765151063601176},{"text":"It's Tommy here, senior","start":4.0,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.12745440937578678}],"sentiment":"neutral","sentiment_score":0.19133756522621428,"channel":0,"num_words":7,"start":3.12,"end":5.2799997},{"sentences":[{"text":"Hello?","start":5.12,"end":5.62,"sentiment":"neutral","sentiment_score":0.11288649588823318}],"sentiment":"neutral","sentiment_score":0.11288649588823318,"channel":1,"num_words":1,"start":5.12,"end":5.62},{"sentences":[{"text":"adviser.","start":5.2799997,"end":5.4399996,"sentiment":"neutral","sentiment_score":0.08043797314167023},{"text":"I wrote you, mate.","start":5.4399996,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.14026136696338654},{"text":"How are you going?","start":6.3199997,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.23306093364953995}],"sentiment":"neutral","sentiment_score":0.1748585750659307,"channel":0,"num_words":9,"start":5.2799997,"end":7.3799996},{"sentences":[{"text":"Well, thanks, Tommy.","start":7.52,"end":8.4,"sentiment":"positive","sentiment_score":0.4509716033935547},{"text":"And you?","start":8.4,"end":9.059999,"sentiment":"neutral","sentiment_score":0.308574378490448}],"sentiment":"positive","sentiment_score":0.39401271343231203,"channel":1,"num_words":5,"start":7.52,"end":9.059999},{"sentences":[{"text":"Right.","start":9.44,"end":9.76,"sentiment":"positive","sentiment_score":0.5006470680236816},{"text":"Living the dream.","start":9.76,"end":10.48,"sentiment":"positive","sentiment_score":0.628572920958201},{"text":"It's a beautiful Friday.","start":10.48,"end":11.5199995,"sentiment":"positive","sentiment_score":0.8197627365589142},{"text":"Happy Friday to you, sir.","start":11.5199995,"end":13.059999,"sentiment":"positive","sentiment_score":0.7377524733543396}],"sentiment":"positive","sentiment_score":0.7195522418388953,"channel":0,"num_words":13,"start":9.44,"end":13.059999},{"sentences":[{"text":"Happy Friday.","start":13.12,"end":14.0199995,"sentiment":"positive","sentiment_score":0.5700846612453461}],"sentiment":"positive","sentiment_score":0.5700846612453461,"channel":1,"num_words":2,"start":13.12,"end":14.0199995},{"sentences":[{"text":"Thank you.","start":14.8550005,"end":15.335,"sentiment":"positive","sentiment_score":0.6594786942005157},{"text":"Mate, I've got your updated advice document ready to send through.","start":15.335,"end":18.695,"sentiment":"neutral","sentiment_score":0.23652751472863284},{"text":"Do you still have a bit of time for me to point?","start":18.695,"end":20.795,"sentiment":"neutral","sentiment_score":0.08574651073043545}],"sentiment":"neutral","sentiment_score":0.19798872716724872,"channel":0,"num_words":25,"start":14.8550005,"end":20.795},{"sentences":[{"text":"Yeah.","start":20.994999,"end":21.235,"sentiment":"neutral","sentiment_score":0.1390809416770935},{"text":"That's fine.","start":21.235,"end":21.974998,"sentiment":"neutral","sentiment_score":0.2757079750299454}],"sentiment":"neutral","sentiment_score":0.23016563057899475,"channel":1,"num_words":3,"start":20.994999,"end":21.974998},{"sentences":[{"text":"Perfect.","start":22.775,"end":23.175,"sentiment":"positive","sentiment_score":0.44962239265441895},{"text":"So just before I pop that through, just gonna do the usual security check with you.","start":23.175,"end":27.51,"sentiment":"neutral","sentiment_score":0.0925076010171324},{"text":"I'm registered with Asic as adviser 1273105.","start":27.99,"end":32.489998,"sentiment":"neutral","sentiment_score":0.07162655730332647},{"text":"Could you please confirm your date of birth and address?","start":32.63,"end":35.29,"sentiment":"neutral","sentiment_score":0.030271386541426182}],"sentiment":"neutral","sentiment_score":0.08040716986664954,"channel":0,"num_words":34,"start":22.775,"end":35.29},{"sentences":[{"text":"Thirty the third eighty three.","start":36.079998,"end":37.7,"sentiment":"neutral","sentiment_score":0.005391575116664171},{"text":"Address, I don't know whether it's been changed by a new one, but it's 54 C William Street, 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for me so far?","start":363.59,"end":364.88998,"sentiment":"neutral","sentiment_score":0.06202933639287948}],"sentiment":"neutral","sentiment_score":0.06202933639287948,"channel":0,"num_words":5,"start":363.59,"end":364.88998},{"sentences":[{"text":"No.","start":365.11002,"end":365.35,"sentiment":"neutral","sentiment_score":-0.10717996954917908},{"text":"Not really.","start":365.35,"end":365.91,"sentiment":"neutral","sentiment_score":-0.1596749797463417},{"text":"I think it's all fairly good.","start":365.91,"end":368.01,"sentiment":"neutral","sentiment_score":-0.14672200630108514}],"sentiment":"neutral","sentiment_score":-0.14520688520537484,"channel":1,"num_words":9,"start":365.11002,"end":368.01},{"sentences":[{"text":"So the key disadvantages you'll see in the document is we always factor in things like brokerage fees for the investments and capital 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like, annual reviews, but do you want me to see up any time this year in three to six months time for a bit of an update, or would you just rather wait for that annual review?","start":414.50998,"end":424.05,"sentiment":"neutral","sentiment_score":0.0226889573855371}],"sentiment":"neutral","sentiment_score":0.03298296333062199,"channel":0,"num_words":53,"start":409.615,"end":424.05},{"sentences":[{"text":"Annual review is fine.","start":424.49,"end":425.87,"sentiment":"neutral","sentiment_score":0.10923961456865072}],"sentiment":"neutral","sentiment_score":0.10923961456865072,"channel":1,"num_words":4,"start":424.49,"end":425.87},{"sentences":[{"text":"Perfect.","start":427.565,"end":427.885,"sentiment":"positive","sentiment_score":0.3887633979320526},{"text":"I'm just gonna quickly check on 24.","start":427.885,"end":430.625,"sentiment":"neutral","sentiment_score":0.23436372407845088},{"text":"So we do have a service agreement coming out to you at the moment just to kind of line 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time.","start":453.865,"end":455.305,"sentiment":"positive","sentiment_score":0.862230122089386},{"text":"And if you need anything, just give us a call.","start":455.305,"end":458.125,"sentiment":"positive","sentiment_score":0.3972738951444626}],"sentiment":"positive","sentiment_score":0.3783610621277167,"channel":0,"num_words":49,"start":439.325,"end":458.125},{"sentences":[{"text":"Well, David.","start":458.305,"end":458.785,"sentiment":"neutral","sentiment_score":0.3286164253950119},{"text":"Thanks very much.","start":458.785,"end":459.685,"sentiment":"positive","sentiment_score":0.8151254256566366}],"sentiment":"positive","sentiment_score":0.6205218255519866,"channel":1,"num_words":5,"start":458.305,"end":459.685},{"sentences":[{"text":"Thanks, Daniel.","start":460.505,"end":461.305,"sentiment":"positive","sentiment_score":0.7699401378631592},{"text":"Catch you soon.","start":461.305,"end":462.125,"sentiment":"positive","sentiment_score":0.6743644674619039}],"sentiment":"positive","sentiment_score":0.712594735622406,"channel":0,"num_words":5,"start":460.505,"end":462.125},{"sentences":[{"text":"See you.","start":462.305,"end":463.045,"sentiment":"positive","sentiment_score":0.46771109104156494}],"sentiment":"positive","sentiment_score":0.46771109104156494,"channel":1,"num_words":2,"start":462.305,"end":463.045},{"sentences":[{"text":"Bye.","start":463.945,"end":464.445,"sentiment":"neutral","sentiment_score":-0.09715710580348969}],"sentiment":"neutral","sentiment_score":-0.09715710580348969,"channel":0,"num_words":1,"start":463.945,"end":464.445}]},"summary":{"result":"success","short":"A senior adviser, Tommy, updates Daniel's insurance advice document, including a cover check and supporting documents, while also recommending a high growth investment option for his rest of the portfolio. The speaker discusses risk profiles and projections for the company, including a partial rollover of the rest of the portfolio and a recommendation for estate planning. They also provide guidance on maintaining a high growth and recommend a partial rollover of the rest of the portfolio. annual reviews are available and setting up a call for an annual review is possible. The call ends with pleasantries and a farewell."},"intents":{"segments":[{"text":"Will you be able to look onto the documents with me today, or should I just kinda walk you through what's coming by? You can just walk me through.","start_word":162,"end_word":190,"intents":[{"intent":"Check advice and documentation","confidence_score":9.992461e-7}]},{"text":"Now just because I'm kind of coming into this conversation that you've already had a couple of times, I'm just gonna reconfirm the scope of advice with you and then just Yep. kinda let you know the pros and cons of what we're recommending. Okay.","start_word":255,"end_word":299,"intents":[{"intent":"Recommend insurances","confidence_score":0.006673046}]},{"text":"Now what we've essentially done is we've done a bit of a rebalance where the Okay. Venelon option that was underperforming, we've switched that one out for another active option, which is a bit more affordable, Yep.","start_word":621,"end_word":657,"intents":[{"intent":"Rebalance assets","confidence_score":0.00080250687}]},{"text":"much better performance, and we've just rebalanced the rest of the portfolio there, just updating a few options in line with where we've got things now. Okay.","start_word":659,"end_word":685,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.5862207},{"intent":"Maintain fund balance","confidence_score":0.022731295}]},{"text":"I have actually recommended also, if you're comfortable, I wanted to bump up your rest super to high growth to be in line with your risk profile as well. Yep.","start_word":685,"end_word":714,"intents":[{"intent":"Maintain high growth","confidence_score":0.021546533}]},{"text":"So, basically, the only other difference there, obviously, is you're still paying that $78 to keep the rest account open, Mhmm.","start_word":745,"end_word":765,"intents":[{"intent":"Maintain account balance","confidence_score":0.2593284}]},{"text":"If you're comfortable with all the recommendations, just give that one a sign. If there's Yep.","start_word":848,"end_word":863,"intents":[{"intent":"Give a sign","confidence_score":0.20320044}]},{"text":"If you're comfortable with all the recommendations, just give that one a sign. If there's Yep. anything you would like to alter, you can write in the authority to proceed anything that you don't wish to go ahead with. But Mhmm. outside of that, just put NA if you're happy with all the recommendations. Okay. No worries.","start_word":848,"end_word":904,"intents":[{"intent":"Assure compliance with recommendations","confidence_score":0.000029172914}]},{"text":"So from here, mate, I'm pretty much going to just double check that all the accounts have your new address updated on it. If Yep. not, I'll get the team to reach out and flick that over to you.","start_word":905,"end_word":943,"intents":[{"intent":"Reach out to team","confidence_score":0.0014692794}]},{"text":"The only other two documents to worry about is we're gonna quickly give rest a call to see if they're okay to receive, like, digital sign or if it has to be, like, a wet signature, and then Yeah.","start_word":946,"end_word":984,"intents":[{"intent":"Provide assistance with tasks","confidence_score":0.00025524825}]},{"text":"Now do you want me to send out beneficiary forms to get that the state nomination going, or Mhmm.","start_word":1008,"end_word":1026,"intents":[{"intent":"Send beneficiary forms","confidence_score":0.6914892}]},{"text":"even the post office has government approved will kits for, like, $25 Okay.","start_word":1068,"end_word":1080,"intents":[{"intent":"Provide information about will kits","confidence_score":0.00397647}]},{"text":"Easy I'll check done, that mate. Any out. questions for me so far? No.","start_word":1090,"end_word":1103,"intents":[{"intent":"Check on documents","confidence_score":0.006291613}]},{"text":"So the key disadvantages you'll see in the document is we always factor in things like brokerage fees for the investments and capital gains Yeah.","start_word":1112,"end_word":1136,"intents":[{"intent":"Ask about brokerage fees","confidence_score":0.015616104}]},{"text":"Beautiful, mate. So I'll leave that one with you. That's come through from our new Odoo sign.","start_word":1156,"end_word":1172,"intents":[{"intent":"Leave odoo sign","confidence_score":0.023834305}]},{"text":"If you wanna draw it to match your license, you can just click on the box. Okay. No worries.","start_word":1222,"end_word":1240,"intents":[{"intent":"Update on license","confidence_score":0.0002191599}]},{"text":"Now contact that you would like me to set up. Normally, we obviously do, like, annual reviews, but do you want me to see up any time this year in three to six months time for a bit of an update, or would you just rather wait for that annual review? Annual review is fine.","start_word":1261,"end_word":1315,"intents":[{"intent":"Set up annual review","confidence_score":0.014480828}]}]},"sentiments":{"segments":[{"text":"Good morning, Daniel. It's Tommy here, senior Hello? adviser. I wrote you, mate. How are you going?","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.1780988574028015},{"text":"Well, thanks, Tommy. And you? Right. Living the dream. It's a beautiful Friday. Happy Friday to you, sir. Happy Friday. Thank you.","start_word":17,"end_word":38,"sentiment":"positive","sentiment_score":0.6266772150993347},{"text":"Mate, I've got your updated advice document ready to send through. Do you still have a bit of time for me to point? Yeah. That's fine.","start_word":39,"end_word":64,"sentiment":"neutral","sentiment_score":0.17949028313159943},{"text":"Perfect.","start_word":65,"end_word":65,"sentiment":"positive","sentiment_score":0.44962239265441895},{"text":"So just before I pop that through, just gonna do the usual security check with you. I'm registered with Asic as adviser 1273105. Could you please confirm your date of birth and address? Thirty the third eighty three. Address, I don't know whether it's been changed by a new one, but it's 54 C William Street, Moffett Perfect. Yeah. We've got that updated.","start_word":66,"end_word":128,"sentiment":"neutral","sentiment_score":0.06265432387590408},{"text":"Thank you very much for that.","start_word":129,"end_word":134,"sentiment":"positive","sentiment_score":0.6255565881729126},{"text":"I've got the email address still your hot mail, dico dot eighty Beach. three. Is that okay to pop that through to there? Yeah. That's fine.","start_word":135,"end_word":160,"sentiment":"neutral","sentiment_score":0.14752057194709778},{"text":"Awesome.","start_word":161,"end_word":161,"sentiment":"positive","sentiment_score":0.4516262412071228},{"text":"Will you be able to look onto the documents with me today, or should I just kinda walk you through what's coming by? You can just walk me through. That's fine. Yep. No worries at all. And you're okay for the call to be recorded? Yep. That's okay. Perfect. So along with the statement of advice, there's a a whole bunch of supporting documents that come through, just product disclosure documents updated for Hub twenty four and rest, and Mhmm. a bit of an appendix with some background research Okay. there as well. Now just because I'm kind of coming into this conversation that you've already had a couple of times, I'm just gonna reconfirm the scope of advice with you and then just Yep. kinda let you know the pros and cons of what we're recommending. Okay. So main thing was you went through a bit of a discussion with Kyle about trying to get some insurances in place. Yep. We did some research. He got back to you with a bit of a still have a bit of a time frame to wait until you can get those covers so you were comfortable to just kind of keep what you've got in place. Does that ring a bell? Yeah.","start_word":162,"end_word":372,"sentiment":"neutral","sentiment_score":0.09097945555973956},{"text":"That's fine.","start_word":373,"end_word":374,"sentiment":"positive","sentiment_score":0.3652666211128235},{"text":"Yep. With the super, we're doing a bit of a portfolio review, just updating a few investments. There was one in particular that was a bit of underperforming, so we just thought we'd give it a bit of an engine tune up. Yep. And I've also been looking at the rest investments as well just in case. Mhmm. Before I jump into those, a couple of other things. So estate planning one, we were wanting to essentially leave most things through to your like, your parents and your siblings in terms of the super, the insurance, that kind of thing. Does that sound Yes. about right? Yeah. I believe you can't really do that, though, unless I get a will in place. Yeah. Pretty much. So the reminders in there, we just kind of outlined that the way to do it is Yep. you get the will in place and you nominate the super to go to your estate, and then that ties everything into that one document and it can go to whoever asked. Yeah. Okay. Yep.","start_word":375,"end_word":552,"sentiment":"neutral","sentiment_score":0.0428120456635952},{"text":"Perfect.","start_word":553,"end_word":553,"sentiment":"positive","sentiment_score":0.6047651767730713},{"text":"We're not giving advice in terms of, like, cash flow and budgeting. We've got all your goals in there about property, holiday to Bali, Yep. and in terms of just, yeah, general property market Yep. entrance over time.","start_word":554,"end_word":591,"sentiment":"neutral","sentiment_score":0.108146995306015},{"text":"Now in terms of the main recommendation, so we're keeping you in a high growth.","start_word":592,"end_word":606,"sentiment":"positive","sentiment_score":0.3500497341156006},{"text":"So Mhmm. that's listing out obviously 90% shares, property, gold, or growth assets. Yep. Now what we've essentially done is we've done a bit of a rebalance where the Okay. Venelon option that was underperforming, we've switched that one out for another active option, which is a bit more affordable, Yep.","start_word":607,"end_word":657,"sentiment":"neutral","sentiment_score":0.05380035936832428},{"text":"much better performance, and we've just rebalanced the rest of the portfolio there, just updating a few options in line with where we've got things now. Okay. I have actually recommended also, if you're comfortable, I wanted to bump up your rest super to high growth to be in line with your risk profile as well.","start_word":658,"end_word":713,"sentiment":"positive","sentiment_score":0.4888034164905548},{"text":"Yep. Yep. And just Yep. a bit of a partial rollover just to swing the the top up across the hub and keep that 10,000 in there to the insurances. Okay. So, basically, the only other difference there, obviously, is you're still paying that $78 to keep the rest account open, Mhmm. and your growth assets will go up from about 85% up to $91.92, One. which is Mhmm. pretty much back on what we need.","start_word":714,"end_word":789,"sentiment":"neutral","sentiment_score":0.1880207657814026},{"text":"Alright. Main figures here, performance goes from just shy of 8% over five years to 14.14. So that kind of brings both funds back on track. Yep.","start_word":790,"end_word":816,"sentiment":"positive","sentiment_score":0.45756542682647705},{"text":"And projections wise, that's around about another 25 to 70,000 over the next five to ten years.","start_word":817,"end_word":833,"sentiment":"neutral","sentiment_score":0.26348409056663513},{"text":"Okay. Great. Cool.","start_word":834,"end_word":836,"sentiment":"positive","sentiment_score":0.46071988344192505},{"text":"So I'll kinda leave you to have a look at those. If you're comfortable with all the recommendations, just give that one a sign. If there's Yep. anything you would like to alter, you can write in the authority to proceed anything that you don't wish to go ahead with. But Mhmm. outside of that, just put NA if you're happy with all the recommendations. Okay. No worries. So from here, mate, I'm pretty much going to just double check that all the accounts have your new address updated on it. If Yep. not, I'll get the team to reach out and flick that over to you. Yep. Right. The only other two documents to worry about is we're gonna quickly give rest a call to see if they're okay to receive, like, digital sign or if it has to be, like, a wet signature, and then Yeah. we'll kind of the implementation team will give you a buzz and let you know which I way that's can. gotta go. Now do you want me to send out beneficiary forms to get that the state nomination going, or Mhmm. what would be Yeah. your preference? Yeah. That's fine. Send that out, and I'll try and get a will thing done at some point. So quick reminder there, you've got obviously lawyers, you've got the public trustee of your state, and Yep. even the post office has government approved will kits for, like, $25 Okay. and power of attorney kits as well. Okay.","start_word":837,"end_word":1088,"sentiment":"neutral","sentiment_score":0.10413751165781704},{"text":"Great. Easy I'll check done, that mate.","start_word":1089,"end_word":1095,"sentiment":"positive","sentiment_score":0.47994381189346313},{"text":"Any out. questions for me so far? No. Not really. I think it's all fairly good. So the key disadvantages you'll see in the document is we always factor in things like brokerage fees for the investments and capital gains Yeah. tax under the hood, and then we just Mhmm. added that all into the projections as well. Okay. Cool.","start_word":1096,"end_word":1155,"sentiment":"neutral","sentiment_score":-0.10564611107110976},{"text":"Beautiful, mate.","start_word":1156,"end_word":1157,"sentiment":"positive","sentiment_score":0.47766003012657166},{"text":"So I'll leave that one with you. That's come through from our new Odoo sign. If you you have any trouble with that one, just give the team a buzz, but it's basically just scroll through the documents. All the attachments Yep. are at the bottom like a normal email, and Yep. then you can basically just click the buttons. It'll stamp signatures on. If you wanna draw it to match your license, you can just click on the box. Okay. No worries. Awesome. Anything else for me before I let you go? No. That's all good.","start_word":1158,"end_word":1254,"sentiment":"neutral","sentiment_score":0.09547825157642365},{"text":"Thank you for that.","start_word":1255,"end_word":1258,"sentiment":"positive","sentiment_score":0.45935603976249695},{"text":"No worries. Now contact that you would like me to set up. Normally, we obviously do, like, annual reviews, but do you want me to see up any time this year in three to six months time for a bit of an update, or would you just rather wait for that annual review? Annual review is fine.","start_word":1259,"end_word":1315,"sentiment":"neutral","sentiment_score":0.040333159267902374},{"text":"Perfect.","start_word":1316,"end_word":1316,"sentiment":"positive","sentiment_score":0.3887633979320526},{"text":"I'm just gonna quickly check on 24. So we do have a service agreement coming out to you at the moment just to kind of line things up with today Mhmm. because it's kind of reference date is made here in any way, and then we'll basically catch up again end of financial year next year.","start_word":1317,"end_word":1372,"sentiment":"neutral","sentiment_score":0.14911070466041565},{"text":"Alrighty. Mate, thank you so much for your time today. Have a fantastic time. And if you need anything, just give us a call.","start_word":1373,"end_word":1396,"sentiment":"positive","sentiment_score":0.6372321248054504},{"text":"Well, David.","start_word":1397,"end_word":1398,"sentiment":"neutral","sentiment_score":0.3286164402961731},{"text":"Thanks very much. Thanks, Daniel. Catch you soon. See you.","start_word":1399,"end_word":1408,"sentiment":"positive","sentiment_score":0.695432722568512},{"text":"Bye.","start_word":1409,"end_word":1409,"sentiment":"neutral","sentiment_score":0.2854691743850708}],"average":{"sentiment":"neutral","sentiment_score":0.14818167311095418}}}}