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Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Thank you. And I just need to ask you to confirm your full name, date of birth, and address, please. Wonderful. Thank you for that. Do you so I'm just calling to run through the statement of advice that was emailed to you and any questions that you may have. That's absolutely fine. Did you want me to run through it as we normally would to make sure that you understand the advice in full and the if if any questions arise as we go through that. Okay. It has gone. Yeah. No worries at all. The front page cover page explains who I am. The best interest, Judy, just states that any advice that we provide you with needs to be in your best interest. For this advice document, we were looking at reviewing some of the underlying investments in your superannuation fund, due to underperformance and other matters. We're not looking at life insurance. I have recommended that you arrange estate planning documents, the wills and powers of attorney, and look at making nominations within your super fund as you presently don't have any. So the about you section is just based off the information we talked through in your most recent annual review. You you remained a high growth in Vista, which you agreed to. So that means that we have about 90% allocated to growth assets being shares and property with 10% to defensive assets being bonds and cash. So within your portfolio, what we have recommended is that you retain hub twenty four as your superannuation fund. We I have made a recommendation to replace Bennelong, which was that underperforming investments that we've spoke about and also replace the bank hybrids investment, and the reason being that they're gonna be phased out in January 2027. So be a bit more proactive with that. The investment changes that I have recommended do see us save a little bit on fees in relation to the investment for the investment options because those fees are cheaper. The there will be no capital gains tax because which is held within your superannuation in fund anyway. It's not capital gains tax to you personally, and that's due to the Benelong loss. So it's worth favorable in that aspect that we can get you out of there with no CGT consequences within your super fund. Does that make sense? Yep. Yep. We did consider other options like a separately managed account investment, which is it differs a little bit to what you're currently invested in with ETFs in respect to the fact that rather than owning the ETF, you own the shares held within the actual SMA account. The reason why we discounted it is you would realize a capital gains by doing that of about $1,200, which is not ideal, and it's not beneficial over the long term when we looked at it. The the recommended changes will see a fee saving of about a $166 a year, which is better in your fund than the investment manager's pocket. And the recommendation over a ten year period sees you in a better off position, outlines the changes outlines the changes that we're making. So we're gonna get sell out completely of Bannalong and the bank hybrid beta shares. We're gonna take a little bit out of gold your gold and a little bit out of your cyber security just to rebalance your portfolio back to that growth option to make sure it's balanced correctly as we would want it set up. And the asset allocation aligns with your gross risk profile. Any questions so far? Yeah. Yep. And your ongoing services haven't changed. We'll continue to continue we will continue with your regular review meetings. Any advice that you need to see to seek out, you you'll just reach out to us, and we're available between any in your reviews for changes to your circumstances and any advice you need there. The ongoing fee will it remains the same as it was in your review that we talked about, $1,957 a year, which will be paid monthly, so divided and then paid monthly. And page 28 is where you would sign to proceed with those investment switches. And then the appendix, which is the second document, it just explains what a risk what our risk profiles are. So your high growth down the center down the sorry. Your high growth to the second left hand in, It just shows how we allocate your funds typically to the different sectors within the market. It explains also important relationships and information. So the content of the SOA is based on the information you've provided us. It's valid for sixty days. So to proceed with the advice, I do need you to sign the document within sixty days. Otherwise, it does expire just due to people's situations are likely to change within that period of time. Yep. There's also links within that appendix to the PDFs for the investment funds that we've recommended, and it also explains SOA are calculated. That's the very, very quick version of the SOA. Yep. Okay. Yep. So we require you to sign that document. It It will then go to our implementation team, and they will start the implementation. So we send the request through to Hub twenty four. And, generally, with an ETF, they are pretty quick. So I would say probably allow two to three weeks for it to be fully completed because we just need to wait on the trading of Hub. So from our end, we submit the request. Hub will then do all the trading to get you out of Bennelong and and the BetaShares Hybrid and then into the new investments. So it just it does depend on the trading of hub, but I'd rather be I'd rather overestimate the time than underestimate. Yeah. Oh, lovely. Alright. Do you have any other questions at all? Yeah. That's absolutely perfect. Well, thank you so much for giving me the time just to run through it with you. And the team will reach out once it's all been finalized anyway to let you know. Fantastic. Thanks so much, Mohammed. Have a lovely weekend, and I'll speak thank you very much, and I'll speak to you soon. You too. 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Mohammed. It's Jenna here phoning from Oakview Financial. How are you today? I'm well. Thank you.\n\nI'm well. Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Thank you. And I just need to ask you to confirm your full name, date of birth, and address, please.\n\nWonderful. Thank you for that. Do you so I'm just calling to run through the statement of advice that was emailed to you and any questions that you may have. That's absolutely fine. Did you want me to run through it as we normally would to make sure that you understand the advice in full and the if if any questions arise as we go through that.\n\nOkay. It has gone. Yeah. No worries at all. The front page cover page explains who I am.\n\nThe best interest, Judy, just states that any advice that we provide you with needs to be in your best interest. For this advice document, we were looking at reviewing some of the underlying investments in your superannuation fund, due to underperformance and other matters. We're not looking at life insurance. I have recommended that you arrange estate planning documents, the wills and powers of attorney, and look at making nominations within your super fund as you presently don't have any. So the about you section is just based off the information we talked through in your most recent annual review.\n\nYou you remained a high growth in Vista, which you agreed to. So that means that we have about 90% allocated to growth assets being shares and property with 10% to defensive assets being bonds and cash. So within your portfolio, what we have recommended is that you retain hub twenty four as your superannuation fund. We I have made a recommendation to replace Bennelong, which was that underperforming investments that we've spoke about and also replace the bank hybrids investment, and the reason being that they're gonna be phased out in January 2027. So be a bit more proactive with that.\n\nThe investment changes that I have recommended do see us save a little bit on fees in relation to the investment for the investment options because those fees are cheaper. The there will be no capital gains tax because which is held within your superannuation in fund anyway. It's not capital gains tax to you personally, and that's due to the Benelong loss. So it's worth favorable in that aspect that we can get you out of there with no CGT consequences within your super fund. Does that make sense?\n\nYep. Yep. We did consider other options like a separately managed account investment, which is it differs a little bit to what you're currently invested in with ETFs in respect to the fact that rather than owning the ETF, you own the shares held within the actual SMA account. The reason why we discounted it is you would realize a capital gains by doing that of about $1,200, which is not ideal, and it's not beneficial over the long term when we looked at it. The the recommended changes will see a fee saving of about a $166 a year, which is better in your fund than the investment manager's pocket.\n\nAnd the recommendation over a ten year period sees you in a better off position, outlines the changes outlines the changes that we're making. So we're gonna get sell out completely of Bannalong and the bank hybrid beta shares. We're gonna take a little bit out of gold your gold and a little bit out of your cyber security just to rebalance your portfolio back to that growth option to make sure it's balanced correctly as we would want it set up. And the asset allocation aligns with your gross risk profile. Any questions so far?\n\nYeah. Yep. And your ongoing services haven't changed. We'll continue to continue we will continue with your regular review meetings. Any advice that you need to see to seek out, you you'll just reach out to us, and we're available between any in your reviews for changes to your circumstances and any advice you need there.\n\nThe ongoing fee will it remains the same as it was in your review that we talked about, $1,957 a year, which will be paid monthly, so divided and then paid monthly. And page 28 is where you would sign to proceed with those investment switches. And then the appendix, which is the second document, it just explains what a risk what our risk profiles are. So your high growth down the center down the sorry. Your high growth to the second left hand in, It just shows how we allocate your funds typically to the different sectors within the market.\n\nIt explains also important relationships and information. So the content of the SOA is based on the information you've provided us. It's valid for sixty days. So to proceed with the advice, I do need you to sign the document within sixty days. Otherwise, it does expire just due to people's situations are likely to change within that period of time.\n\nYep. There's also links within that appendix to the PDFs for the investment funds that we've recommended, and it also explains SOA are calculated. That's the very, very quick version of the SOA. Yep. Okay.\n\nYep. So we require you to sign that document. It It will then go to our implementation team, and they will start the implementation. So we send the request through to Hub twenty four. And, generally, with an ETF, they are pretty quick.\n\nSo I would say probably allow two to three weeks for it to be fully completed because we just need to wait on the trading of Hub. So from our end, we submit the request. Hub will then do all the trading to get you out of Bennelong and and the BetaShares Hybrid and then into the new investments. So it just it does depend on the trading of hub, but I'd rather be I'd rather overestimate the time than underestimate. Yeah.\n\nOh, lovely. Alright. Do you have any other questions at all? Yeah. That's absolutely perfect.\n\nWell, thank you so much for giving me the time just to run through it with you. And the team will reach out once it's all been finalized anyway to let you know. Fantastic. Thanks so much, Mohammed. Have a lovely weekend, and I'll speak thank you very much, and I'll speak to you soon.\n\nYou too. 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in relation to the investment for the investment options because those fees are cheaper.","start":216.245,"end":229.25,"sentiment":"neutral","sentiment_score":0.28330433890223505},{"text":"The there will be no capital gains tax because which is held within your superannuation in fund anyway.","start":231.87,"end":239.39499,"sentiment":"neutral","sentiment_score":0.16045165848400858},{"text":"It's not capital gains tax to you personally, and that's due to the Benelong loss.","start":239.39499,"end":245.23499,"sentiment":"neutral","sentiment_score":0.058442662159601845},{"text":"So it's worth favorable in that aspect that we can get you out of there with no CGT consequences within your super fund.","start":245.23499,"end":254.36,"sentiment":"neutral","sentiment_score":0.2744673360948977},{"text":"Does that make sense?","start":256.58002,"end":257.72,"sentiment":"neutral","sentiment_score":0.15523499809205532}],"sentiment":"neutral","sentiment_score":0.2133065408302678,"num_words":90,"start":216.245,"end":257.72},{"sentences":[{"text":"Yep.","start":258.74002,"end":259.22,"sentiment":"neutral","sentiment_score":0.07680575549602509},{"text":"Yep.","start":259.22,"end":259.72,"sentiment":"neutral","sentiment_score":0.08370722830295563},{"text":"We did consider other options like a separately managed account investment, which is it differs a little bit to what you're currently invested in with ETFs in respect to the fact that rather than owning the ETF, you own the shares held within the actual SMA account.","start":260.66,"end":281.65997,"sentiment":"neutral","sentiment_score":-0.06245998316939841},{"text":"The reason why we discounted it is you would realize a capital gains by doing that of about $1,200, which is not ideal, and it's not beneficial over the long term when we looked at it.","start":283.08,"end":298.835,"sentiment":"negative","sentiment_score":-0.34333402870429885},{"text":"The the recommended changes will see a fee saving of about a $166 a year, which is better in your fund than the investment manager's pocket.","start":301.13498,"end":313.57,"sentiment":"neutral","sentiment_score":0.04564842524436804}],"sentiment":"neutral","sentiment_score":-0.12566010992940482,"num_words":111,"start":258.74002,"end":313.57},{"sentences":[{"text":"And the recommendation over a ten year period sees you in a better off position, outlines the changes outlines the changes that we're making.","start":315.39,"end":337.97998,"sentiment":"neutral","sentiment_score":0.12228081375360489},{"text":"So we're gonna get sell out completely of Bannalong and the bank hybrid beta shares.","start":337.97998,"end":344.96,"sentiment":"neutral","sentiment_score":0.0428473765651385},{"text":"We're gonna take a little bit out of gold your gold and a little bit out of your cyber security just to rebalance your portfolio back to that growth option to make sure it's balanced correctly as we would want it set up.","start":346.06,"end":362.565,"sentiment":"neutral","sentiment_score":0.16030058541963266},{"text":"And the asset allocation aligns with your gross risk profile.","start":365.43,"end":370.49,"sentiment":"neutral","sentiment_score":0.16617402136325837},{"text":"Any questions so far?","start":370.95,"end":372.41,"sentiment":"neutral","sentiment_score":0.05727987550199032}],"sentiment":"neutral","sentiment_score":0.12876286528383693,"num_words":96,"start":315.39,"end":372.41},{"sentences":[{"text":"Yeah.","start":375.75,"end":376.25,"sentiment":"neutral","sentiment_score":0.3204880654811859},{"text":"Yep.","start":377.03,"end":377.53,"sentiment":"neutral","sentiment_score":0.17508332431316376},{"text":"And your ongoing services haven't changed.","start":377.645,"end":379.965,"sentiment":"neutral","sentiment_score":0.11586570801834266},{"text":"We'll continue to continue we will continue with your regular review meetings.","start":379.965,"end":384.865,"sentiment":"neutral","sentiment_score":0.16611656981209913},{"text":"Any advice that you need to see to seek out, you you'll just reach out to us, and we're available between any in your reviews for changes to your circumstances and any advice you need there.","start":385.565,"end":402.15,"sentiment":"neutral","sentiment_score":0.11418670767711268}],"sentiment":"neutral","sentiment_score":0.13026582057188665,"num_words":56,"start":375.75,"end":402.15},{"sentences":[{"text":"The ongoing fee will it remains the same as it was in your review that we talked about, $1,957 a year, which will be paid monthly, so divided and then paid monthly.","start":405.665,"end":417.445,"sentiment":"neutral","sentiment_score":0.11583547666668892},{"text":"And page 28 is where you would sign to proceed with those investment switches.","start":419.75,"end":426.41,"sentiment":"neutral","sentiment_score":0.11557397139923913},{"text":"And then the appendix, which is the second document, it just explains what a risk what our risk profiles are.","start":430.55002,"end":439.405,"sentiment":"neutral","sentiment_score":0.060527709685266017},{"text":"So your high growth down the center down the sorry.","start":439.405,"end":443.905,"sentiment":"neutral","sentiment_score":0.008292285725474358},{"text":"Your high growth to the second left hand in, It just shows how we allocate your funds typically to the different sectors within the market.","start":444.525,"end":454.09003,"sentiment":"neutral","sentiment_score":0.08276232436299324}],"sentiment":"neutral","sentiment_score":0.0860129308213692,"num_words":101,"start":405.665,"end":454.09003},{"sentences":[{"text":"It explains also important relationships and information.","start":456.47,"end":459.53,"sentiment":"neutral","sentiment_score":0.12405573683125633},{"text":"So the content of the SOA is based on the information you've provided us.","start":459.83002,"end":463.665,"sentiment":"neutral","sentiment_score":0.11048413813114166},{"text":"It's valid for sixty days.","start":464.045,"end":465.645,"sentiment":"neutral","sentiment_score":0.09482967108488083},{"text":"So to proceed with the advice, I do need you to sign the document within sixty days.","start":465.645,"end":470.045,"sentiment":"neutral","sentiment_score":0.0772297594915418},{"text":"Otherwise, it does expire just due to people's situations are likely to change within that period of time.","start":470.045,"end":478.44998,"sentiment":"neutral","sentiment_score":-0.0907497231124176}],"sentiment":"neutral","sentiment_score":0.04211028430183403,"num_words":61,"start":456.47,"end":478.44998},{"sentences":[{"text":"Yep.","start":480.59,"end":481.09,"sentiment":"neutral","sentiment_score":-0.021160943433642387},{"text":"There's also links within that appendix to the PDFs for the investment funds that we've recommended, and it also explains SOA are calculated.","start":481.22998,"end":502.025,"sentiment":"neutral","sentiment_score":0.056889609636172005},{"text":"That's the very, very quick version of the SOA.","start":503.845,"end":507.69,"sentiment":"positive","sentiment_score":0.5709862245453728},{"text":"Yep.","start":517.11,"end":517.365,"sentiment":"neutral","sentiment_score":0.016027111560106277},{"text":"Okay.","start":524.96497,"end":525.46497,"sentiment":"neutral","sentiment_score":0.034629590809345245}],"sentiment":"neutral","sentiment_score":0.18505236575646059,"num_words":35,"start":480.59,"end":525.46497},{"sentences":[{"text":"Yep.","start":526.08496,"end":526.58496,"sentiment":"neutral","sentiment_score":0.042860597372055054},{"text":"So we require you to sign that document.","start":526.645,"end":530.0325,"sentiment":"neutral","sentiment_score":0.035062850918620825},{"text":"It It will then go to our implementation team, and they will start the implementation.","start":530.0325,"end":535.83997,"sentiment":"neutral","sentiment_score":0.04852164362867673},{"text":"So we send the request through to Hub twenty four.","start":536.3,"end":540.63995,"sentiment":"neutral","sentiment_score":0.07519483156502246},{"text":"And, generally, with an ETF, they are pretty quick.","start":541.74,"end":545.92,"sentiment":"neutral","sentiment_score":0.12292493714226617}],"sentiment":"neutral","sentiment_score":0.06766187928097192,"num_words":43,"start":526.08496,"end":545.92},{"sentences":[{"text":"So I would say probably allow two to three weeks for it to be fully completed because we just need to wait on the trading of Hub.","start":547.555,"end":555.23505,"sentiment":"neutral","sentiment_score":0.059833905625122565},{"text":"So from our end, we submit the request.","start":555.23505,"end":557.575,"sentiment":"neutral","sentiment_score":0.05708078434690833},{"text":"Hub will then do all the trading to get you out of Bennelong and and the BetaShares Hybrid and then into the new investments.","start":558.93,"end":568.31,"sentiment":"neutral","sentiment_score":0.05305407103151083},{"text":"So it just it does depend on the trading of hub, but I'd rather be I'd rather overestimate the time than underestimate.","start":569.08997,"end":579.515,"sentiment":"neutral","sentiment_score":-0.06070552190596407},{"text":"Yeah.","start":581.41504,"end":581.91504,"sentiment":"neutral","sentiment_score":0.07453276216983795}],"sentiment":"neutral","sentiment_score":0.025420374532298343,"num_words":82,"start":547.555,"end":581.91504},{"sentences":[{"text":"Oh, lovely.","start":587.51,"end":588.14996,"sentiment":"neutral","sentiment_score":0.20595381408929825},{"text":"Alright.","start":588.14996,"end":588.55,"sentiment":"neutral","sentiment_score":0.11902132630348206},{"text":"Do you have any other questions at all?","start":588.55,"end":590.81,"sentiment":"neutral","sentiment_score":0.07687178812921047},{"text":"Yeah.","start":599.035,"end":599.535,"sentiment":"neutral","sentiment_score":0.04245488345623016},{"text":"That's absolutely perfect.","start":608.635,"end":610.095,"sentiment":"positive","sentiment_score":0.46518463889757794}],"sentiment":"neutral","sentiment_score":0.17226080397764842,"num_words":15,"start":587.51,"end":610.095},{"sentences":[{"text":"Well, thank you so much for giving me the time just to run through it with you.","start":610.155,"end":614.175,"sentiment":"positive","sentiment_score":0.43077193288242116},{"text":"And the team will reach out once it's all been finalized anyway to let you know.","start":615.24005,"end":623.74005,"sentiment":"neutral","sentiment_score":0.23255579452961683},{"text":"Fantastic.","start":626.12006,"end":626.62006,"sentiment":"positive","sentiment_score":0.6983415484428406},{"text":"Thanks so much, Mohammed.","start":626.76,"end":628.04004,"sentiment":"positive","sentiment_score":0.717894122004509},{"text":"Have a lovely weekend, and I'll speak thank you very much, and I'll speak to you soon.","start":628.04004,"end":634.245,"sentiment":"positive","sentiment_score":0.4906786252908847}],"sentiment":"positive","sentiment_score":0.4173721861432899,"num_words":55,"start":610.155,"end":634.245},{"sentences":[{"text":"You too.","start":636.38495,"end":636.94495,"sentiment":"positive","sentiment_score":0.45946943759918213},{"text":"Bye.","start":636.94495,"end":637.44495,"sentiment":"neutral","sentiment_score":-0.11192099750041962}],"sentiment":"neutral","sentiment_score":0.2690059592326482,"num_words":3,"start":636.38495,"end":637.44495}]}}]},{"alternatives":[{"transcript":"Hello? Good, Jenna. How are you? Yeah. That's fine. Yep. Full name is Mohammed Nazmi Ozkan. Date of birth, 03/25/1996, and address is 26 Roseneath Way, Mickleham, Victoria. Mhmm. Yep. Go through it. I did have a I did have a look through it. Thanks for sending it earlier in the week. So, yeah, not nothing really from my end to to to really ask. So yeah. Probably only maybe just sort of the the main points, really, if there's anything that that I need to be aware of. Because, yeah, I've had a look through it, and it all looks fairly yeah. I'm feeling comfortable with it with with it also. Yeah. I I suppose I'll I'll leave it with you to to run through any sort of the main points that I I might need to be aware of. Mhmm. Mhmm. Yep. Mhmm. Yep. Yep. No. That's fine. Yep. Yep. Yep. Yep. Mhmm. Mhmm. Yep. No. That that that's fairly straightforward. That's all good. Yep. Yep. Yep. Okay. Thanks. Mhmm. Yep. Yep. Yeah. Of course. Got it. No. I appreciate that. And when does when does the because they hold recommendations, you know, getting rid of the the the shares and and and the the the ones that, you know, were invested in. When does that take into effect with the recommendations? Mhmm. Yeah. Yep. No. That makes sense. I'll I'll I'll sign that document now as well just for your awareness, so that's all good. No. I think I think you've spelt it up pretty pretty clearly. So, no, I I appreciate that and and making it, yeah, as simple for me to understand. Yeah. The document's fairly straightforward as well. So I appreciate you sending that ahead of time. So yeah. No. I don't don't really have anything else on my end. Yeah. Perfect. That sounds great. Awesome. Thank you, Jenna. You too. No problem. Take care. Thank 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Good, Jenna. How are you? Yeah. That's fine.\n\nYep. Full name is Mohammed Nazmi Ozkan. Date of birth, 03/25/1996, and address is 26 Roseneath Way, Mickleham, Victoria. Mhmm. Yep.\n\nGo through it. I did have a I did have a look through it. Thanks for sending it earlier in the week. So, yeah, not nothing really from my end to to to really ask. So yeah.\n\nProbably only maybe just sort of the the main points, really, if there's anything that that I need to be aware of. Because, yeah, I've had a look through it, and it all looks fairly yeah. I'm feeling comfortable with it with with it also. Yeah. I I suppose I'll I'll leave it with you to to run through any sort of the main points that I I might need to be aware of.\n\nMhmm. Mhmm. Yep. Mhmm. Yep.\n\nYep. No. That's fine. Yep. Yep.\n\nYep. Yep. Mhmm. Mhmm. Yep.\n\nNo. That that that's fairly straightforward. That's all good. Yep. Yep.\n\nYep. Okay. Thanks. Mhmm. Yep.\n\nYep. Yeah. Of course. Got it. No.\n\nI appreciate that. And when does when does the because they hold recommendations, you know, getting rid of the the the shares and and and the the the ones that, you know, were invested in. When does that take into effect with the recommendations? Mhmm. Yeah.\n\nYep. No. That makes sense. I'll I'll I'll sign that document now as well just for your awareness, so that's all good. No.\n\nI think I think you've spelt it up pretty pretty clearly. So, no, I I appreciate that and and making it, yeah, as simple for me to understand. Yeah. The document's fairly straightforward as well. So I appreciate you sending that ahead of time.\n\nSo yeah. No. I don't don't really have anything else on my end. Yeah. Perfect.\n\nThat sounds great. Awesome. Thank you, Jenna. You too. No problem.\n\nTake care. Thank you.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.02487070858478546},{"text":"Good, Jenna.","start":7.44,"end":8.08,"sentiment":"positive","sentiment_score":0.4401865005493164},{"text":"How are you?","start":8.08,"end":8.9,"sentiment":"neutral","sentiment_score":0.29805420835812885},{"text":"Yeah.","start":18.645,"end":18.885,"sentiment":"neutral","sentiment_score":0.07493746280670166},{"text":"That's fine.","start":18.885,"end":25.225,"sentiment":"neutral","sentiment_score":0.1396515667438507}],"sentiment":"neutral","sentiment_score":0.23929410345024532,"num_words":9,"start":1.28,"end":25.225},{"sentences":[{"text":"Yep.","start":28.085,"end":28.485,"sentiment":"neutral","sentiment_score":0.0324525460600853},{"text":"Full name is Mohammed Nazmi Ozkan.","start":28.485,"end":30.985,"sentiment":"neutral","sentiment_score":0.037911120181282364},{"text":"Date of birth, 03/25/1996, and address is 26 Roseneath Way, 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ask.","start":60.54,"end":65.42,"sentiment":"neutral","sentiment_score":0.037443241820885584},{"text":"So yeah.","start":65.42,"end":66.240005,"sentiment":"neutral","sentiment_score":0.0994027704000473}],"sentiment":"neutral","sentiment_score":0.18683790073201462,"num_words":37,"start":54.324997,"end":66.240005},{"sentences":[{"text":"Probably only maybe just sort of the the main points, really, if there's anything that that I need to be aware of.","start":83.674995,"end":89.85,"sentiment":"neutral","sentiment_score":-0.04644688269631429},{"text":"Because, yeah, I've had a look through it, and it all looks fairly yeah.","start":89.85,"end":93.21,"sentiment":"neutral","sentiment_score":0.2407698088458606},{"text":"I'm feeling comfortable with it with with it also.","start":93.21,"end":96.090004,"sentiment":"positive","sentiment_score":0.39937592877282035},{"text":"Yeah.","start":96.090004,"end":96.57,"sentiment":"neutral","sentiment_score":0.04020349681377411},{"text":"I I suppose I'll I'll leave it with you to to run through any sort of the main points that I I might need to be aware 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that that's fairly straightforward.","start":373.055,"end":374.91,"sentiment":"positive","sentiment_score":0.34475609958171843},{"text":"That's all good.","start":375.29,"end":375.93002,"sentiment":"positive","sentiment_score":0.6614249547322592},{"text":"Yep.","start":375.93002,"end":376.43002,"sentiment":"neutral","sentiment_score":0.2127368152141571},{"text":"Yep.","start":400.095,"end":400.595,"sentiment":"neutral","sentiment_score":0.08851191401481628}],"sentiment":"positive","sentiment_score":0.37597240101207385,"num_words":11,"start":372.735,"end":400.595},{"sentences":[{"text":"Yep.","start":402.73502,"end":403.17,"sentiment":"neutral","sentiment_score":0.15932267904281616},{"text":"Okay.","start":403.41,"end":403.91,"sentiment":"neutral","sentiment_score":0.2757105827331543},{"text":"Thanks.","start":404.37003,"end":404.87003,"sentiment":"positive","sentiment_score":0.4783915579319},{"text":"Mhmm.","start":409.49002,"end":409.99002,"sentiment":"neutral","sentiment_score":0.09233970940113068},{"text":"Yep.","start":418.21002,"end":418.71002,"sentiment":"neutral","sentiment_score":0.12910866737365723}],"sentiment":"neutral","sentiment_score":0.22697463929653167,"num_words":5,"start":402.73502,"end":418.71002},{"sentences":[{"text":"Yep.","start":470.4,"end":470.9,"sentiment":"neutral","sentiment_score":0.03211725875735283},{"text":"Yeah.","start":478.855,"end":479.17502,"sentiment":"neutral","sentiment_score":0.05867736786603928},{"text":"Of course.","start":479.17502,"end":479.83502,"sentiment":"neutral","sentiment_score":0.06277548149228096},{"text":"Got it.","start":502.62,"end":503.28,"sentiment":"neutral","sentiment_score":0.1837771162390709},{"text":"No.","start":509.16498,"end":509.32498,"sentiment":"neutral","sentiment_score":0.01990615949034691}],"sentiment":"neutral","sentiment_score":0.08625799736806325,"num_words":7,"start":470.4,"end":509.32498},{"sentences":[{"text":"I appreciate that.","start":509.32498,"end":510.305,"sentiment":"neutral","sentiment_score":0.0838153325021267},{"text":"And when does when does the because they hold recommendations, you know, getting rid of the the the shares and and and the the the ones that, you know, were invested in.","start":510.525,"end":521.38,"sentiment":"neutral","sentiment_score":0.00911167002050206},{"text":"When does that take into effect with the recommendations?","start":521.84,"end":525.22,"sentiment":"neutral","sentiment_score":0.019870926315585773},{"text":"Mhmm.","start":531.235,"end":531.735,"sentiment":"neutral","sentiment_score":0.034498877823352814},{"text":"Yeah.","start":579.32,"end":579.82,"sentiment":"neutral","sentiment_score":0.055000171065330505}],"sentiment":"neutral","sentiment_score":0.017638191823726116,"num_words":46,"start":509.32498,"end":579.82},{"sentences":[{"text":"Yep.","start":580.92004,"end":581.42004,"sentiment":"neutral","sentiment_score":0.07053613662719727},{"text":"No.","start":581.56,"end":581.88,"sentiment":"neutral","sentiment_score":0.06708472967147827},{"text":"That makes sense.","start":581.88,"end":582.52,"sentiment":"neutral","sentiment_score":0.10263523459434509},{"text":"I'll I'll I'll sign that document now as well just for your awareness, so that's all good.","start":582.52,"end":586.695,"sentiment":"neutral","sentiment_score":0.21733581230920904},{"text":"No.","start":591.255,"end":591.415,"sentiment":"neutral","sentiment_score":0.0014677569270133972}],"sentiment":"neutral","sentiment_score":0.18007404940283817,"num_words":23,"start":580.92004,"end":591.415},{"sentences":[{"text":"I think I think you've spelt it up pretty pretty clearly.","start":591.415,"end":594.855,"sentiment":"neutral","sentiment_score":0.033834456889466805},{"text":"So, no, I I appreciate that and and making it, yeah, as simple for me to understand.","start":594.855,"end":600.52997,"sentiment":"neutral","sentiment_score":0.07995674485231147},{"text":"Yeah.","start":600.52997,"end":600.69,"sentiment":"neutral","sentiment_score":0.20025303959846497},{"text":"The document's fairly straightforward as well.","start":600.69,"end":602.52997,"sentiment":"neutral","sentiment_score":0.31495815018812817},{"text":"So I appreciate you sending that ahead of time.","start":602.52997,"end":604.61,"sentiment":"positive","sentiment_score":0.3526713020271725}],"sentiment":"neutral","sentiment_score":0.15898834880102763,"num_words":44,"start":591.415,"end":604.61},{"sentences":[{"text":"So yeah.","start":604.61,"end":605.57,"sentiment":"neutral","sentiment_score":0.10434265434741974},{"text":"No.","start":605.57,"end":605.81,"sentiment":"neutral","sentiment_score":0.07012305408716202},{"text":"I don't don't really have anything else on my end.","start":605.81,"end":607.99,"sentiment":"neutral","sentiment_score":0.02356940689496696},{"text":"Yeah.","start":623.77496,"end":624.015,"sentiment":"neutral","sentiment_score":0.1996864378452301},{"text":"Perfect.","start":624.015,"end":624.415,"sentiment":"positive","sentiment_score":0.5026386976242065}],"sentiment":"neutral","sentiment_score":0.08112183781340718,"num_words":15,"start":604.61,"end":624.415},{"sentences":[{"text":"That sounds great.","start":624.415,"end":625.39496,"sentiment":"positive","sentiment_score":0.5943708618481954},{"text":"Awesome.","start":629.04,"end":629.54,"sentiment":"positive","sentiment_score":0.6376157999038696},{"text":"Thank you, Jenna.","start":629.68,"end":630.56,"sentiment":"positive","sentiment_score":0.5395373205343882},{"text":"You too.","start":630.56,"end":631.22003,"sentiment":"neutral","sentiment_score":0.15580536425113678},{"text":"No problem.","start":634.48,"end":635.12,"sentiment":"positive","sentiment_score":0.4951819032430649}],"sentiment":"positive","sentiment_score":0.4855740801854567,"num_words":11,"start":624.415,"end":635.12},{"sentences":[{"text":"Take care.","start":635.12,"end":635.6,"sentiment":"positive","sentiment_score":0.4990592300891876},{"text":"Thank you.","start":635.6,"end":636.26,"sentiment":"positive","sentiment_score":0.7279314398765564}],"sentiment":"positive","sentiment_score":0.613495334982872,"num_words":4,"start":635.12,"end":636.26}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Mohammed. It's Jenna here phoning from Oakview Financial. How are you today?\n\nChannel 1: Good, Jenna. How are you?\n\nChannel 0: I'm well. Thank you. I'm well. Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay?\n\nChannel 1: Yeah. That's\n\nChannel 0: Thank you. And I just need to ask you to confirm\n\nChannel 1: fine.\n\nChannel 0: your full name, date of birth, and address, please.\n\nChannel 1: Yep. Full name is Mohammed Nazmi Ozkan. Date of birth, 03/25/1996, and address is 26 Roseneath Way, Mickleham, Victoria.\n\nChannel 0: Wonderful. Thank you for that. Do you so I'm just calling to run through the statement of advice that was emailed to you\n\nChannel 1: Mhmm.\n\nChannel 0: and any questions that you may have.\n\nChannel 1: Yep. Go through it. I did have a I did have a look through it. Thanks for sending it earlier in the week.\n\nChannel 0: That's absolutely\n\nChannel 1: So, yeah,\n\nChannel 0: fine.\n\nChannel 1: not nothing really from my end to to to really ask. So yeah.\n\nChannel 0: Did you want me to run through it as we normally would to make sure that you understand the advice in full and the if if any questions arise as we go through that.\n\nChannel 1: Probably only maybe just sort of the the main points, really, if there's anything that that I need to be aware of. Because, yeah, I've had a look through it, and it all looks fairly yeah. I'm feeling comfortable with it with with it also. Yeah. I I suppose\n\nChannel 0: Okay.\n\nChannel 1: I'll I'll leave it with you to to run through any sort of the main points that\n\nChannel 0: It\n\nChannel 1: I\n\nChannel 0: has\n\nChannel 1: I might\n\nChannel 0: gone.\n\nChannel 1: need to be aware of.\n\nChannel 0: Yeah. No worries at all. The front page cover page explains who I am. The best interest, Judy, just states that any advice that we provide you with needs to be in your best interest.\n\nChannel 1: Mhmm.\n\nChannel 0: For this advice document, we were looking at reviewing some of the underlying investments in your superannuation fund, due to underperformance and other matters. We're not looking at life insurance. I have recommended that you arrange estate planning documents, the wills and powers of attorney, and look at making nominations within your super fund as you presently don't have any.\n\nChannel 1: Mhmm.\n\nChannel 0: So the about you section is just based off the information we talked through in your most recent annual review. You you remained a high growth in Vista, which you agreed to. So that means that we have about 90% allocated to growth assets being shares and property with 10% to defensive assets being bonds and cash.\n\nChannel 1: Yep.\n\nChannel 0: So within your portfolio, what we have recommended is that you retain hub twenty four as your superannuation fund. We I have made a recommendation to replace Bennelong, which was that underperforming investments that we've spoke about\n\nChannel 1: Mhmm.\n\nChannel 0: and also replace the bank hybrids investment, and the reason being that they're gonna be phased out in January 2027. So be a bit more proactive with that.\n\nChannel 1: Yep. Yep. No. That's fine.\n\nChannel 0: The investment changes that I have recommended do see us save a little bit on fees in relation to the investment for the investment options because those fees are cheaper. The there will be no capital gains tax because which is held within your superannuation in fund anyway. It's not capital gains tax to you personally, and that's due to the Benelong loss. So it's worth favorable in that aspect that we can get you out of there with no CGT consequences within your super fund. Does that make sense?\n\nChannel 1: Yep. Yep. Yep. Yep.\n\nChannel 0: Yep. Yep. We did consider other options like a separately managed account investment, which is it differs a little bit to what you're currently invested in with ETFs in respect to the fact that rather than owning the ETF, you own the shares held within the actual SMA account. The reason why we discounted it is you would realize a capital gains by doing that of about $1,200, which is not ideal, and it's not beneficial over the long term when we looked at it. The the recommended changes will see a fee saving of about a $166 a year, which is better in your fund than the investment\n\nChannel 1: Mhmm.\n\nChannel 0: manager's pocket. And the recommendation over a ten year period sees you in a better off position, outlines\n\nChannel 1: Mhmm.\n\nChannel 0: the changes outlines the changes that we're making. So we're gonna get sell out completely of Bannalong and the bank hybrid beta shares. We're gonna take a little bit out of gold your gold and a little bit out of your cyber security just to rebalance your portfolio back to that growth option to make sure it's balanced correctly as we would want it set up. And the asset allocation aligns with your gross risk profile. Any questions so far?\n\nChannel 1: Yep. No. That that that's fairly straightforward. That's all good.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yep. And your ongoing services haven't changed. We'll continue to continue we will continue with your regular review meetings. Any advice that you need to see to seek out, you you'll just reach out to us, and we're available between any in your reviews for changes to your circumstances and\n\nChannel 1: Yep.\n\nChannel 0: any advice you need there.\n\nChannel 1: Yep. Okay. Thanks.\n\nChannel 0: The ongoing fee will it remains the same as it was in your\n\nChannel 1: Mhmm.\n\nChannel 0: review that we talked about, $1,957 a year, which will be paid monthly, so divided and then paid monthly.\n\nChannel 1: Yep.\n\nChannel 0: And page 28 is where you would sign to proceed with those investment switches. And then the appendix, which is the second document, it just explains what a risk what our risk profiles are. So your high growth down the center down the sorry. Your high growth to the second left hand in, It just shows how we allocate your funds typically to the different sectors within the market. It explains also important relationships and information.\n\nSo the content of the SOA is based on the information you've provided us. It's valid for sixty days. So to proceed with the advice, I do need you to sign the document within sixty days. Otherwise,\n\nChannel 1: Yep.\n\nChannel 0: it does expire just due to people's situations are likely to change within that period of time.\n\nChannel 1: Yeah. Of course.\n\nChannel 0: Yep. There's also links within that appendix to the PDFs for the investment funds that we've recommended, and it also explains SOA are calculated.\n\nChannel 1: Got it.\n\nChannel 0: That's the very, very quick version of the SOA.\n\nChannel 1: No. I appreciate that. And when does when does the because they hold recommendations, you know, getting rid of the the the shares and\n\nChannel 0: Yep.\n\nChannel 1: and and the the the ones that, you know, were invested in. When does that take into effect with the recommendations?\n\nChannel 0: Okay. Yep. So we require you to sign that document. It It will\n\nChannel 1: Mhmm.\n\nChannel 0: then go to our implementation team, and they will start the implementation. So we send the request through to Hub twenty four. And, generally, with an ETF, they are pretty quick. So I would say probably allow two to three weeks for it to be fully completed because we just need to wait on the trading of Hub. So from our end, we submit the request.\n\nHub will then do all the trading to get you out of Bennelong and and the BetaShares Hybrid and then into the new investments. So it just it does depend on the trading of hub, but I'd rather be I'd rather overestimate the time than underestimate.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: No. That makes sense. I'll I'll I'll sign that document now as well just for your awareness, so that's all good.\n\nChannel 0: Oh, lovely. Alright. Do you have any other questions at all?\n\nChannel 1: No. I think I think you've spelt it up pretty pretty clearly. So, no, I I appreciate that and and making it, yeah, as\n\nChannel 0: Yeah.\n\nChannel 1: simple for me to understand. Yeah. The document's fairly straightforward as well. So I appreciate you sending that ahead of time. So yeah.\n\nNo. I don't don't really have anything else on my end.\n\nChannel 0: That's absolutely perfect. Well, thank you so much for giving me the time just to run through it with you. And the team will reach out once it's all been finalized anyway to let you know.\n\nChannel 1: Yeah. Perfect. That sounds great.\n\nChannel 0: Fantastic. Thanks so much, Mohammed. Have a lovely weekend,\n\nChannel 1: Awesome. Thank you, Jenna.\n\nChannel 0: and\n\nChannel 1: You\n\nChannel 0: I'll\n\nChannel 1: too.\n\nChannel 0: speak thank you very much, and I'll speak to you soon.\n\nChannel 1: No problem. Take care. Thank you.\n\nChannel 0: You too. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.02487070858478546}],"sentiment":"neutral","sentiment_score":0.02487070858478546,"channel":1,"num_words":1,"start":1.28,"end":1.78},{"sentences":[{"text":"Hi, Mohammed.","start":2.8,"end":3.78,"sentiment":"neutral","sentiment_score":0.10761437192559242},{"text":"It's Jenna here phoning from Oakview Financial.","start":3.84,"end":6.42,"sentiment":"neutral","sentiment_score":0.12568631981100356},{"text":"How are you today?","start":6.48,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.1731896661221981}],"sentiment":"neutral","sentiment_score":0.13752243438592324,"channel":0,"num_words":13,"start":2.8,"end":7.3799996},{"sentences":[{"text":"Good, Jenna.","start":7.44,"end":8.08,"sentiment":"positive","sentiment_score":0.4401865005493164},{"text":"How are you?","start":8.08,"end":8.9,"sentiment":"neutral","sentiment_score":0.29805420835812885}],"sentiment":"positive","sentiment_score":0.3549071252346039,"channel":1,"num_words":5,"start":7.44,"end":8.9},{"sentences":[{"text":"I'm well.","start":9.2,"end":9.84,"sentiment":"positive","sentiment_score":0.38423144817352295},{"text":"Thank you.","start":9.84,"end":10.48,"sentiment":"positive","sentiment_score":0.6390915513038635},{"text":"I'm well.","start":10.48,"end":10.96,"sentiment":"positive","sentiment_score":0.394819051027298},{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":10.96,"end":17.515,"sentiment":"neutral","sentiment_score":0.028944972619090393},{"text":"Is that okay?","start":17.515,"end":18.495,"sentiment":"neutral","sentiment_score":0.04517821595072746}],"sentiment":"neutral","sentiment_score":0.1136735349718947,"channel":0,"num_words":32,"start":9.2,"end":18.495},{"sentences":[{"text":"Yeah.","start":18.645,"end":18.885,"sentiment":"neutral","sentiment_score":0.07493746280670166},{"text":"That's","start":18.885,"end":19.385,"sentiment":"neutral","sentiment_score":0.16538724303245544}],"sentiment":"neutral","sentiment_score":0.12016235291957855,"channel":1,"num_words":2,"start":18.645,"end":19.385},{"sentences":[{"text":"Thank you.","start":20.395,"end":21.295,"sentiment":"positive","sentiment_score":0.4199591130018234},{"text":"And I just need to ask you to confirm","start":21.835,"end":24.795,"sentiment":"neutral","sentiment_score":0.1400465981827842}],"sentiment":"neutral","sentiment_score":0.19093978269533676,"channel":0,"num_words":11,"start":20.395,"end":24.795},{"sentences":[{"text":"fine.","start":24.725,"end":25.225,"sentiment":"neutral","sentiment_score":0.11391589045524596}],"sentiment":"neutral","sentiment_score":0.11391589045524596,"channel":1,"num_words":1,"start":24.725,"end":25.225},{"sentences":[{"text":"your full name, date of birth, and address, please.","start":24.795,"end":27.455,"sentiment":"neutral","sentiment_score":0.041929736733436584}],"sentiment":"neutral","sentiment_score":0.041929736733436584,"channel":0,"num_words":9,"start":24.795,"end":27.455},{"sentences":[{"text":"Yep.","start":28.085,"end":28.485,"sentiment":"neutral","sentiment_score":0.0324525460600853},{"text":"Full name is Mohammed Nazmi Ozkan.","start":28.485,"end":30.985,"sentiment":"neutral","sentiment_score":0.037911120181282364},{"text":"Date of birth, 03/25/1996, and address is 26 Roseneath Way, Mickleham, Victoria.","start":31.57,"end":38.47,"sentiment":"neutral","sentiment_score":0.04001809594531854}],"sentiment":"neutral","sentiment_score":0.03895454834166326,"channel":1,"num_words":19,"start":28.085,"end":38.47},{"sentences":[{"text":"Wonderful.","start":39.77,"end":40.27,"sentiment":"positive","sentiment_score":0.5864008665084839},{"text":"Thank you for that.","start":40.33,"end":41.355,"sentiment":"positive","sentiment_score":0.6365444213151932},{"text":"Do you so I'm just calling to run through the statement of advice that was emailed to you","start":42.475,"end":48.015,"sentiment":"neutral","sentiment_score":0.10809296638601357}],"sentiment":"neutral","sentiment_score":0.2207935629007609,"channel":0,"num_words":23,"start":39.77,"end":48.015},{"sentences":[{"text":"Mhmm.","start":48.324997,"end":48.824997,"sentiment":"neutral","sentiment_score":0.07648873329162598}],"sentiment":"neutral","sentiment_score":0.07648873329162598,"channel":1,"num_words":1,"start":48.324997,"end":48.824997},{"sentences":[{"text":"and any questions that you may have.","start":49.274998,"end":52.095,"sentiment":"neutral","sentiment_score":0.03217121000800814}],"sentiment":"neutral","sentiment_score":0.03217121000800814,"channel":0,"num_words":7,"start":49.274998,"end":52.095},{"sentences":[{"text":"Yep.","start":53.684998,"end":54.184998,"sentiment":"neutral","sentiment_score":0.0941123515367508},{"text":"Go through it.","start":54.324997,"end":55.684998,"sentiment":"neutral","sentiment_score":0.1019276703397433},{"text":"I did have a I did 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recommendation to replace Bennelong, which was that underperforming investments that we've spoke about","start":195.53,"end":203.15001,"sentiment":"neutral","sentiment_score":0.04988329060789612}],"sentiment":"neutral","sentiment_score":0.08132180304744759,"channel":0,"num_words":37,"start":184.885,"end":203.15001},{"sentences":[{"text":"Mhmm.","start":203.455,"end":203.955,"sentiment":"neutral","sentiment_score":0.0380689911544323}],"sentiment":"neutral","sentiment_score":0.0380689911544323,"channel":1,"num_words":1,"start":203.455,"end":203.955},{"sentences":[{"text":"and also replace the bank hybrids investment, and the reason being that they're gonna be phased out in January 2027.","start":203.69,"end":211.125,"sentiment":"neutral","sentiment_score":0.011610449850559234},{"text":"So be a bit more proactive with 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calculated.","start":481.22998,"end":502.025,"sentiment":"neutral","sentiment_score":0.056889609636172005}],"sentiment":"neutral","sentiment_score":0.053637503258263074,"channel":0,"num_words":24,"start":480.59,"end":502.025},{"sentences":[{"text":"Got it.","start":502.62,"end":503.28,"sentiment":"neutral","sentiment_score":0.1837771162390709}],"sentiment":"neutral","sentiment_score":0.1837771162390709,"channel":1,"num_words":2,"start":502.62,"end":503.28},{"sentences":[{"text":"That's the very, very quick version of the SOA.","start":503.845,"end":507.69,"sentiment":"positive","sentiment_score":0.5709862245453728}],"sentiment":"positive","sentiment_score":0.5709862245453728,"channel":0,"num_words":9,"start":503.845,"end":507.69},{"sentences":[{"text":"No.","start":509.16498,"end":509.32498,"sentiment":"neutral","sentiment_score":0.01990615949034691},{"text":"I appreciate that.","start":509.32498,"end":510.305,"sentiment":"neutral","sentiment_score":0.0838153325021267},{"text":"And when does when does the because they hold recommendations, you know, getting rid of the the the shares and","start":510.525,"end":517.28,"sentiment":"neutral","sentiment_score":0.0031278683803975583}],"sentiment":"neutral","sentiment_score":0.013912896858528256,"channel":1,"num_words":24,"start":509.16498,"end":517.28},{"sentences":[{"text":"Yep.","start":517.11,"end":517.365,"sentiment":"neutral","sentiment_score":0.016027111560106277}],"sentiment":"neutral","sentiment_score":0.016027111560106277,"channel":0,"num_words":1,"start":517.11,"end":517.365},{"sentences":[{"text":"and and the the the ones that, you know, were invested in.","start":517.28,"end":521.38,"sentiment":"neutral","sentiment_score":0.019084672754009564},{"text":"When does that take into effect with the recommendations?","start":521.84,"end":525.22,"sentiment":"neutral","sentiment_score":0.019870926315585773}],"sentiment":"neutral","sentiment_score":0.019421638566113654,"channel":1,"num_words":21,"start":517.28,"end":525.22},{"sentences":[{"text":"Okay.","start":524.96497,"end":525.46497,"sentiment":"neutral","sentiment_score":0.034629590809345245},{"text":"Yep.","start":526.08496,"end":526.58496,"sentiment":"neutral","sentiment_score":0.042860597372055054},{"text":"So we require you to sign that document.","start":526.645,"end":530.0325,"sentiment":"neutral","sentiment_score":0.035062850918620825},{"text":"It It will","start":530.0325,"end":531.33997,"sentiment":"neutral","sentiment_score":0.032693132758140564}],"sentiment":"neutral","sentiment_score":0.03508249183113758,"channel":0,"num_words":13,"start":524.96497,"end":531.33997},{"sentences":[{"text":"Mhmm.","start":531.235,"end":531.735,"sentiment":"neutral","sentiment_score":0.034498877823352814}],"sentiment":"neutral","sentiment_score":0.034498877823352814,"channel":1,"num_words":1,"start":531.235,"end":531.735},{"sentences":[{"text":"then go to our implementation team, and they will start the implementation.","start":531.33997,"end":535.83997,"sentiment":"neutral","sentiment_score":0.05247877134631077},{"text":"So we send the request through to Hub twenty four.","start":536.3,"end":540.63995,"sentiment":"neutral","sentiment_score":0.07519483156502246},{"text":"And, generally, with an ETF, they are pretty quick.","start":541.74,"end":545.92,"sentiment":"neutral","sentiment_score":0.12292493714226617},{"text":"So I would say probably allow two to three weeks for it to be fully completed because we just need to wait on the trading of Hub.","start":547.555,"end":555.23505,"sentiment":"neutral","sentiment_score":0.059833905625122565},{"text":"So from our end, we submit the request.","start":555.23505,"end":557.575,"sentiment":"neutral","sentiment_score":0.05708078434690833}],"sentiment":"neutral","sentiment_score":0.06909363231424129,"channel":0,"num_words":66,"start":531.33997,"end":557.575},{"sentences":[{"text":"Hub will then do all the trading to get you out of Bennelong and and the BetaShares Hybrid and then into the new investments.","start":558.93,"end":568.31,"sentiment":"neutral","sentiment_score":0.05305407103151083},{"text":"So it just it does depend on the trading of hub, but I'd rather be I'd rather overestimate the time than underestimate.","start":569.08997,"end":579.515,"sentiment":"neutral","sentiment_score":-0.06070552190596407}],"sentiment":"neutral","sentiment_score":-0.0013526908081510792,"channel":0,"num_words":46,"start":558.93,"end":579.515},{"sentences":[{"text":"Yeah.","start":579.32,"end":579.82,"sentiment":"neutral","sentiment_score":0.055000171065330505},{"text":"Yep.","start":580.92004,"end":581.42004,"sentiment":"neutral","sentiment_score":0.07053613662719727}],"sentiment":"neutral","sentiment_score":0.06276815384626389,"channel":1,"num_words":2,"start":579.32,"end":581.42004},{"sentences":[{"text":"Yeah.","start":581.41504,"end":581.91504,"sentiment":"neutral","sentiment_score":0.07453276216983795}],"sentiment":"neutral","sentiment_score":0.07453276216983795,"channel":0,"num_words":1,"start":581.41504,"end":581.91504},{"sentences":[{"text":"No.","start":581.56,"end":581.88,"sentiment":"neutral","sentiment_score":0.06708472967147827},{"text":"That makes sense.","start":581.88,"end":582.52,"sentiment":"neutral","sentiment_score":0.10263523459434509},{"text":"I'll I'll I'll sign that document now as well just for your awareness, so that's all good.","start":582.52,"end":586.695,"sentiment":"neutral","sentiment_score":0.21733581230920904}],"sentiment":"neutral","sentiment_score":0.19379520203386033,"channel":1,"num_words":21,"start":581.56,"end":586.695},{"sentences":[{"text":"Oh, lovely.","start":587.51,"end":588.14996,"sentiment":"neutral","sentiment_score":0.20595381408929825},{"text":"Alright.","start":588.14996,"end":588.55,"sentiment":"neutral","sentiment_score":0.11902132630348206},{"text":"Do you have any other questions at all?","start":588.55,"end":590.81,"sentiment":"neutral","sentiment_score":0.07687178812921047}],"sentiment":"neutral","sentiment_score":0.10417302359234203,"channel":0,"num_words":11,"start":587.51,"end":590.81},{"sentences":[{"text":"No.","start":591.255,"end":591.415,"sentiment":"neutral","sentiment_score":0.0014677569270133972},{"text":"I think I think you've spelt it up pretty pretty clearly.","start":591.415,"end":594.855,"sentiment":"neutral","sentiment_score":0.033834456889466805},{"text":"So, no, I I appreciate that and and making it, yeah, as","start":594.855,"end":599.175,"sentiment":"neutral","sentiment_score":0.08238016177589695}],"sentiment":"neutral","sentiment_score":0.056758696834246315,"channel":1,"num_words":24,"start":591.255,"end":599.175},{"sentences":[{"text":"Yeah.","start":599.035,"end":599.535,"sentiment":"neutral","sentiment_score":0.04245488345623016}],"sentiment":"neutral","sentiment_score":0.04245488345623016,"channel":0,"num_words":1,"start":599.035,"end":599.535},{"sentences":[{"text":"simple for me to understand.","start":599.175,"end":600.52997,"sentiment":"neutral","sentiment_score":0.07414054423570633},{"text":"Yeah.","start":600.52997,"end":600.69,"sentiment":"neutral","sentiment_score":0.20025303959846497},{"text":"The document's fairly straightforward as well.","start":600.69,"end":602.52997,"sentiment":"neutral","sentiment_score":0.31495815018812817},{"text":"So I appreciate you sending that ahead of time.","start":602.52997,"end":604.61,"sentiment":"positive","sentiment_score":0.3526713020271725},{"text":"So yeah.","start":604.61,"end":605.57,"sentiment":"neutral","sentiment_score":0.10434265434741974}],"sentiment":"neutral","sentiment_score":0.2540622473410938,"channel":1,"num_words":23,"start":599.175,"end":605.57},{"sentences":[{"text":"No.","start":605.57,"end":605.81,"sentiment":"neutral","sentiment_score":0.07012305408716202},{"text":"I don't don't really have anything else on my end.","start":605.81,"end":607.99,"sentiment":"neutral","sentiment_score":0.02356940689496696}],"sentiment":"neutral","sentiment_score":0.027801556639711966,"channel":1,"num_words":11,"start":605.57,"end":607.99},{"sentences":[{"text":"That's absolutely perfect.","start":608.635,"end":610.095,"sentiment":"positive","sentiment_score":0.46518463889757794},{"text":"Well, thank you so much for giving me the time just to run through it with you.","start":610.155,"end":614.175,"sentiment":"positive","sentiment_score":0.43077193288242116},{"text":"And the team will reach out once it's all been finalized anyway to let you know.","start":615.24005,"end":623.74005,"sentiment":"neutral","sentiment_score":0.23255579452961683}],"sentiment":"positive","sentiment_score":0.34554359689354897,"channel":0,"num_words":36,"start":608.635,"end":623.74005},{"sentences":[{"text":"Yeah.","start":623.77496,"end":624.015,"sentiment":"neutral","sentiment_score":0.1996864378452301},{"text":"Perfect.","start":624.015,"end":624.415,"sentiment":"positive","sentiment_score":0.5026386976242065},{"text":"That sounds great.","start":624.415,"end":625.39496,"sentiment":"positive","sentiment_score":0.5943708618481954}],"sentiment":"positive","sentiment_score":0.49708754420280454,"channel":1,"num_words":5,"start":623.77496,"end":625.39496},{"sentences":[{"text":"Fantastic.","start":626.12006,"end":626.62006,"sentiment":"positive","sentiment_score":0.6983415484428406},{"text":"Thanks so much, Mohammed.","start":626.76,"end":628.04004,"sentiment":"positive","sentiment_score":0.717894122004509},{"text":"Have a lovely weekend,","start":628.04004,"end":629.26,"sentiment":"positive","sentiment_score":0.7097500115633011}],"sentiment":"positive","sentiment_score":0.7121020091904534,"channel":0,"num_words":9,"start":626.12006,"end":629.26},{"sentences":[{"text":"Awesome.","start":629.04,"end":629.54,"sentiment":"positive","sentiment_score":0.6376157999038696},{"text":"Thank you, Jenna.","start":629.68,"end":630.56,"sentiment":"positive","sentiment_score":0.5395373205343882}],"sentiment":"positive","sentiment_score":0.5640569403767586,"channel":1,"num_words":4,"start":629.04,"end":630.56},{"sentences":[{"text":"and","start":630.38495,"end":630.70496,"sentiment":"neutral","sentiment_score":0.03949925675988197}],"sentiment":"neutral","sentiment_score":0.03949925675988197,"channel":0,"num_words":1,"start":630.38495,"end":630.70496},{"sentences":[{"text":"You","start":630.56,"end":630.72003,"sentiment":"neutral","sentiment_score":0.180726021528244}],"sentiment":"neutral","sentiment_score":0.180726021528244,"channel":1,"num_words":1,"start":630.56,"end":630.72003},{"sentences":[{"text":"I'll","start":630.70496,"end":630.94495,"sentiment":"neutral","sentiment_score":0.2614102363586426}],"sentiment":"neutral","sentiment_score":0.2614102363586426,"channel":0,"num_words":1,"start":630.70496,"end":630.94495},{"sentences":[{"text":"too.","start":630.72003,"end":631.22003,"sentiment":"neutral","sentiment_score":0.13088470697402954}],"sentiment":"neutral","sentiment_score":0.13088470697402954,"channel":1,"num_words":1,"start":630.72003,"end":631.22003},{"sentences":[{"text":"speak thank you very much, and I'll speak to you soon.","start":630.94495,"end":634.245,"sentiment":"positive","sentiment_score":0.47287519005211914}],"sentiment":"positive","sentiment_score":0.47287519005211914,"channel":0,"num_words":11,"start":630.94495,"end":634.245},{"sentences":[{"text":"No problem.","start":634.48,"end":635.12,"sentiment":"positive","sentiment_score":0.4951819032430649},{"text":"Take care.","start":635.12,"end":635.6,"sentiment":"positive","sentiment_score":0.4990592300891876},{"text":"Thank you.","start":635.6,"end":636.26,"sentiment":"positive","sentiment_score":0.7279314398765564}],"sentiment":"positive","sentiment_score":0.5740575244029363,"channel":1,"num_words":6,"start":634.48,"end":636.26},{"sentences":[{"text":"You too.","start":636.38495,"end":636.94495,"sentiment":"positive","sentiment_score":0.45946943759918213},{"text":"Bye.","start":636.94495,"end":637.44495,"sentiment":"neutral","sentiment_score":-0.11192099750041962}],"sentiment":"neutral","sentiment_score":0.2690059592326482,"channel":0,"num_words":3,"start":636.38495,"end":637.44495}]},"summary":{"result":"success","short":"Representatives from Oakview Financial and Hub discuss changes to the customer's portfolio, including replacing certain investment funds and reducing their hub 24. They recommend replacing bonds and cash with more defensive assets and a special managed account investment. The speaker emphasizes the need for a signed document within 60 days to proceed with the advice and mentions that Hub will handle the implementation of the SOA. The customer is advised to save money on fees and wait for the investment changes to be made before making further changes."},"intents":{"segments":[{"text":"And I just need to ask you to confirm fine. your full name, date of birth, and address, please. Yep.","start_word":55,"end_word":74,"intents":[{"intent":"Ask for confirmation","confidence_score":0.114761844}]},{"text":"your full name, date of birth, and address, please. Yep.","start_word":65,"end_word":74,"intents":[{"intent":"Confirm identity","confidence_score":0.40360388}]},{"text":"Do you so I'm just calling to run through the statement of advice that was emailed to you Mhmm. and any questions that you may have. Yep.","start_word":98,"end_word":124,"intents":[{"intent":"Run through statement of advice","confidence_score":0.48330018}]},{"text":"Did you want me to run through it as we normally would to make sure that you understand the advice in full and the if if any questions arise as we go through that. Probably only maybe just sort of the the main points, really, if there's anything that that I need to be aware of. Because, yeah, I've had a look through it, and it all looks fairly yeah. I'm feeling comfortable with it with with it also. Yeah.","start_word":165,"end_word":244,"intents":[{"intent":"Provide guidance on investments","confidence_score":0.00044430757}]},{"text":"I have recommended that you arrange estate planning documents, the wills and powers of attorney, and look at making nominations within your super fund as you presently don't have any.","start_word":344,"end_word":373,"intents":[{"intent":"Recommend estate planning documents","confidence_score":0.04558753}]},{"text":"So within your portfolio, what we have recommended is that you retain hub twenty four as your superannuation fund.","start_word":432,"end_word":450,"intents":[{"intent":"Recommend retaining hub twenty four as superannuation fund","confidence_score":0.13337909}]},{"text":"We I have made a recommendation to replace Bennelong, which was that underperforming investments that we've spoke about Mhmm. and also replace the bank hybrids investment, and the reason being that they're gonna be phased out in January 2027. So be a bit more proactive with that. Yep.","start_word":451,"end_word":498,"intents":[{"intent":"Discuss replacing failed bonds investments","confidence_score":3.5612097e-11}]},{"text":"The investment changes that I have recommended do see us save a little bit on fees in relation to the investment for the investment options because those fees are cheaper.","start_word":503,"end_word":532,"intents":[{"intent":"Recommend saving fees","confidence_score":0.028581297}]},{"text":"We did consider other options like a separately managed account investment, which is it differs a little bit to what you're currently invested in with ETFs in respect to the fact that rather than owning the ETF, you own the shares held within the actual SMA account.","start_word":599,"end_word":645,"intents":[{"intent":"Evaluate separate managed account investment","confidence_score":0.0030365493}]},{"text":"The the recommended changes will see a fee saving of about a $166 a year, which is better in your fund than the investment Mhmm.","start_word":682,"end_word":706,"intents":[{"intent":"Discuss evaluating fee savings","confidence_score":0.010904282}]},{"text":"So we're gonna get sell out completely of Bannalong and the bank hybrid beta shares. We're gonna take a little bit out of gold your gold and a little bit out of your cyber security just to rebalance your portfolio back to that growth option to make sure it's balanced correctly as we would want it set up.","start_word":734,"end_word":791,"intents":[{"intent":"Define portfolio growth","confidence_score":0.000051789077}]},{"text":"So we require you to sign that document. It It will Mhmm.","start_word":1128,"end_word":1139,"intents":[{"intent":"Submit request and sign document","confidence_score":0.0007361793}]},{"text":"So we require you to sign that document. It It will Mhmm. then go to our implementation team, and they will start the implementation.","start_word":1128,"end_word":1151,"intents":[{"intent":"Guide fund implementation and prepare for soa implementation","confidence_score":4.5309837e-12}]},{"text":"And, generally, with an ETF, they are pretty quick. So I would say probably allow two to three weeks for it to be fully completed because we just need to wait on the trading of Hub. So from our end, we submit the request. Hub will then do all the trading to get you out of Bennelong and and the BetaShares Hybrid and then into the new investments.","start_word":1162,"end_word":1229,"intents":[{"intent":"Discuss trading and etf","confidence_score":0.0026854542}]},{"text":"Well, thank you so much for giving me the time just to run through it with you. And the team will reach out once it's all been finalized anyway to let you know. Yeah.","start_word":1349,"end_word":1382,"intents":[{"intent":"Reach out to the team","confidence_score":0.00031922266}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Mohammed. It's Jenna here phoning from Oakview Financial. How are you today?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.12275439500808716},{"text":"Good, Jenna.","start_word":14,"end_word":15,"sentiment":"positive","sentiment_score":0.4257840514183045},{"text":"How are you?","start_word":16,"end_word":18,"sentiment":"neutral","sentiment_score":0.29097291827201843},{"text":"I'm well. Thank you. I'm well.","start_word":19,"end_word":24,"sentiment":"positive","sentiment_score":0.4440287947654724},{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Yeah. That's Thank you. And I just need to ask you to confirm fine. your full name, date of birth, and address, please. Yep. Full name is Mohammed Nazmi Ozkan. Date of birth, 03/25/1996, and address is 26 Roseneath Way, Mickleham, Victoria.","start_word":25,"end_word":92,"sentiment":"neutral","sentiment_score":0.06389427185058594},{"text":"Wonderful. Thank you for that.","start_word":93,"end_word":97,"sentiment":"positive","sentiment_score":0.6135324239730835},{"text":"Do you so I'm just calling to run through the statement of advice that was emailed to you Mhmm. and any questions that you may have. Yep. Go through it. I did have a I did have a look through it.","start_word":98,"end_word":138,"sentiment":"neutral","sentiment_score":0.11025945097208024},{"text":"Thanks for sending it earlier in the week.","start_word":139,"end_word":146,"sentiment":"positive","sentiment_score":0.4944378137588501},{"text":"That's absolutely So, yeah, fine. not nothing really from my end to to to really ask. So yeah. Did you want me to run through it as we normally would to make sure that you understand the advice in full and the if if any questions arise as we go through that. Probably only maybe just sort of the the main points, really, if there's anything that that I need to be aware of. Because, yeah, I've had a look through it, and it all looks fairly yeah.","start_word":147,"end_word":234,"sentiment":"neutral","sentiment_score":0.09101541340351103},{"text":"I'm feeling comfortable with it with with it also.","start_word":235,"end_word":243,"sentiment":"positive","sentiment_score":0.3892272710800171},{"text":"Yeah. I I suppose Okay. I'll I'll leave it with you to to run through any sort of the main points that It I has I might gone. need to be aware of. Yeah. No worries at all. The front page cover page explains who I am. The best interest, Judy, just states that any advice that we provide you with needs to be in your best interest. Mhmm. For this advice document, we were looking at reviewing some of the underlying investments in your superannuation fund, due to underperformance and other matters. We're not looking at life insurance. I have recommended that you arrange estate planning documents, the wills and powers of attorney, and look at making nominations within your super fund as you presently don't have any. Mhmm. So the about you section is just based off the information we talked through in your most recent annual review. You you remained a high growth in Vista, which you agreed to. So that means that we have about 90% allocated to growth assets being shares and property with 10% to defensive assets being bonds and cash. Yep. So within your portfolio, what we have recommended is that you retain hub twenty four as your superannuation fund. We I have made a recommendation to replace Bennelong, which was that underperforming investments that we've spoke about Mhmm. and also replace the bank hybrids investment, and the reason being that they're gonna be phased out in January 2027. So be a bit more proactive with that. Yep. Yep. No. That's fine. The investment changes that I have recommended do see us save a little bit on fees in relation to the investment for the investment options because those fees are cheaper. The there will be no capital gains tax because which is held within your superannuation in fund anyway. It's not capital gains tax to you personally, and that's due to the Benelong loss. So it's worth favorable in that aspect that we can get you out of there with no CGT consequences within your super fund. Does that make sense? Yep. Yep. Yep. Yep. Yep. Yep. We did consider other options like a separately managed account investment, which is it differs a little bit to what you're currently invested in with ETFs in respect to the fact that rather than owning the ETF, you own the shares held within the actual SMA account.","start_word":244,"end_word":645,"sentiment":"neutral","sentiment_score":0.05862390451522461},{"text":"The reason why we discounted it is you would realize a capital gains by doing that of about $1,200, which is not ideal, and it's not beneficial over the long term when we looked at it.","start_word":646,"end_word":681,"sentiment":"negative","sentiment_score":-0.3468203842639923},{"text":"The the recommended changes will see a fee saving of about a $166 a year, which is better in your fund than the investment Mhmm. manager's pocket. And the recommendation over a ten year period sees you in a better off position, outlines Mhmm. the changes outlines the changes that we're making. So we're gonna get sell out completely of Bannalong and the bank hybrid beta shares. We're gonna take a little bit out of gold your gold and a little bit out of your cyber security just to rebalance your portfolio back to that growth option to make sure it's balanced correctly as we would want it set up. And the asset allocation aligns with your gross risk profile. Any questions so far? Yep. No.","start_word":682,"end_word":807,"sentiment":"neutral","sentiment_score":0.10681718735704346},{"text":"That that that's fairly straightforward. That's all good.","start_word":808,"end_word":815,"sentiment":"positive","sentiment_score":0.489095151424408},{"text":"Yeah. Yep. Yep. And your ongoing services haven't changed. We'll continue to continue we will continue with your regular review meetings. Any advice that you need to see to seek out, you you'll just reach out to us, and we're available between any in your reviews for changes to your circumstances and Yep. any advice you need there. Yep. Okay.","start_word":816,"end_word":875,"sentiment":"neutral","sentiment_score":0.13792099058628082},{"text":"Thanks.","start_word":876,"end_word":876,"sentiment":"positive","sentiment_score":0.4783915579319},{"text":"The ongoing fee will it remains the same as it was in your Mhmm. review that we talked about, $1,957 a year, which will be paid monthly, so divided and then paid monthly. Yep. And page 28 is where you would sign to proceed with those investment switches. And then the appendix, which is the second document, it just explains what a risk what our risk profiles are. So your high growth down the center down the sorry. Your high growth to the second left hand in, It just shows how we allocate your funds typically to the different sectors within the market. It explains also important relationships and information. So the content of the SOA is based on the information you've provided us. It's valid for sixty days. So to proceed with the advice, I do need you to sign the document within sixty days. Otherwise, Yep. it does expire just due to people's situations are likely to change within that period of time. Yeah. Of course. Yep. There's also links within that appendix to the PDFs for the investment funds that we've recommended, and it also explains SOA are calculated. Got it.","start_word":877,"end_word":1070,"sentiment":"neutral","sentiment_score":0.06856439493058883},{"text":"That's the very, very quick version of the SOA.","start_word":1071,"end_word":1079,"sentiment":"positive","sentiment_score":0.5384323596954346},{"text":"No. I appreciate that. And when does when does the because they hold recommendations, you know, getting rid of the the the shares and Yep. and and the the the ones that, you know, were invested in. When does that take into effect with the recommendations? Okay. Yep. So we require you to sign that document. It It will Mhmm. then go to our implementation team, and they will start the implementation. So we send the request through to Hub twenty four. And, generally, with an ETF, they are pretty quick. So I would say probably allow two to three weeks for it to be fully completed because we just need to wait on the trading of Hub. So from our end, we submit the request. Hub will then do all the trading to get you out of Bennelong and and the BetaShares Hybrid and then into the new investments. So it just it does depend on the trading of hub, but I'd rather be I'd rather overestimate the time than underestimate. Yeah. Yep. Yeah. No. That makes sense. I'll I'll I'll sign that document now as well just for your awareness, so that's all good. Oh, lovely. Alright. Do you have any other questions at all? No. I think I think you've spelt it up pretty pretty clearly. So, no, I I appreciate that and and making it, yeah, as Yeah. simple for me to understand. Yeah. The document's fairly straightforward as well.","start_word":1080,"end_word":1323,"sentiment":"neutral","sentiment_score":0.0644557848572731},{"text":"So I appreciate you sending that ahead of time.","start_word":1324,"end_word":1332,"sentiment":"positive","sentiment_score":0.34915533661842346},{"text":"So yeah. No. I don't don't really have anything else on my end.","start_word":1333,"end_word":1345,"sentiment":"neutral","sentiment_score":0.03933647274971008},{"text":"That's absolutely perfect. Well, thank you so much for giving me the time just to run through it with you.","start_word":1346,"end_word":1365,"sentiment":"positive","sentiment_score":0.4322304427623749},{"text":"And the team will reach out once it's all been finalized anyway to let you know. Yeah.","start_word":1366,"end_word":1382,"sentiment":"neutral","sentiment_score":0.2312173694372177},{"text":"Perfect. That sounds great. Fantastic. Thanks so much, Mohammed. Have a lovely weekend, Awesome. Thank you, Jenna.","start_word":1383,"end_word":1399,"sentiment":"positive","sentiment_score":0.6334007978439331},{"text":"and You I'll too.","start_word":1400,"end_word":1403,"sentiment":"neutral","sentiment_score":0.1808893382549286},{"text":"speak thank you very much, and I'll speak to you soon. No problem. Take care. Thank you. You too.","start_word":1404,"end_word":1422,"sentiment":"positive","sentiment_score":0.5018795132637024},{"text":"Bye.","start_word":1423,"end_word":1423,"sentiment":"neutral","sentiment_score":0.2821162939071655}],"average":{"sentiment":"neutral","sentiment_score":0.10499358830893528}}}}