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No worries. Now I've got a statement of advice to send through to you from our recent review discussion. Do you have a bit of time for me? Amazing. So just before I send through this email, I'm just gonna do the quick security check with you if that's okay. Awesome. Joe, are you okay for the calls to be recorded? And I am registered with Asik as adviser 1273105. Could you please confirm your date of birth and address? Yep. Fantastic. Now I've got this advice document to send through with a few supporting documents with it. Will you be able to access to your Gmail account today to look on with me? Alright. I'm gonna pop it through now. Now just remind us that this is coming through from a system called sign now. We just had a little bit of a a block on our Odoo sign, so it might look a little bit different, a little bit more blue than the purple this time. Now it should come through to your main inbox. It may go through to spam, but it's usually pretty quick. Do you wanna grab your email up and just see if that comes through okay? Perfect. And you should see that nice beachfront city view with your name there and the the date of the May 13 and my details and license number down the bottom. Alrighty. So does that come through okay? Yep. It's not too blurry or anything like that, is it? Beautiful. Alright. Now do you remember what we were looking to change from our last conversation? Does any of that kind of ring a bell? No. That's totally fine. Cool. So if you could pop down to pages three and four for me, you'll see the scope of advice. Nice little blue heading there. Scope of advice considered. The main thing was we were just doing a quick review of your portfolio in the super because one of the investment options wasn't doing too well. The rest of it was doing great, and then we do have that balances built up in your Australian Super Fund as well. Perfect. If you're on the next page, you'll see that we've just added in a couple of reminders for estate planning just to make sure that the will and the power of attorney are in place and up to date just as that kind of yearly reminder in the background. And then insurance wise, we were pretty much going to leave your insurances as they were. We're not looking to replace anything, but we factored in the premiums for projections and the cost. Cool. And then the last couple of things on the scope, if you go to that next page on five, you'll see scope of advice not considered. And it's got, like, budgeting and cash flow and debt. Basically, just saying, we're reviewing the super investments at the moment. We're not giving you budgeting advice, debt management advice. You're kind of managing the repayments of of debt, paying down the mortgage, your renovations, all of that yourself. And I've included there that you're gonna renovate the yard, the kitchen, build a bit of a veranda. So you've got a lot of, like, a lot of ticks that you need to do with all of your cash flow going to the renovations. Does that sound right? Perfect. If you skip through a couple more pages on the about you section, I've put in all the details that we updated during your review on page seven and eight. And if you go to page eight, we've got your assets and liabilities where we've got the main residence. You've got your car. You've got the cash in the offset account, the 85,000 there that I've added. And the only loans is just the mortgage and the credit card at this point. Perfect. And if you go down through, as you scroll through the document and you go through pages ten and eleven, you'll see your risk profile, which is that kind of growth, four out of five, still focusing mostly on growing the super, but not the high risk. Perfect. Now you'll get to a bit of a wordy section on page 12 under strategy recommendations. Can you let me know when you can see that one? Cool. So can you see in the middle where it's got best interest duty? That's essentially my duty to give recommendations to try and meet your goals and leave you in a better position. So this is the explanation of what we're doing and why. And, essentially, what the recommendations are is a little bit of an update to your hub portfolio and a partial rollover from AustralianSuper into that main hub portfolio and just keeping the minimum to keep the insurances active. Now we're replacing that Benelong option, which was underperforming, with an option called Alfiniti, which essentially just has lower fees. It's a similar style of investment and much better performance as well. And then we've kind of looked at some projections over the next five to ten years just to make sure that you're on track. Cool. If you go past there, you'll see a lovely long table with all the advantages and disadvantages on there. And, essentially, lower fees, better performance, similar style, similar risk level, and then we factored in things like any capital gains tax within your super just to make sure we've included all the fees and things. And there's obviously no guarantees when you pick investments that we can control the weather and whether the market goes up or down. Now if you go past that point, you go through to the next big one, which is page 15. And can you let me know when you can see that nice big blue bar that just talks about the rollover from AustralianSuper? So, basically, the 10,000 is the minimum you need to keep in your super fund plus a buffer to make sure the insurances don't disappear. Everything else we can move across into the main portfolio. And I did have a quick check on transfer terms to see if I could actually move your insurances across, but you don't have the eligibility for that right now. K. So that's all good. The main disadvantage, obviously, of running two super funds is you pay that yearly fee to keep the second account open, which with Australian super is about $78 for the flat admin fee. Cool. If you go through after that, last couple of pages, on eighteen and nineteen, you'll see a ginormous table with a whole bunch of codes, percentages, and dollar figures, and it's your investments table. Alrighty. So, essentially, we're just gonna keep the AustralianSuper investment the same because that's in, like, a balanced fund. That's a three out of five on the risk scale. That's just making sure that you're not putting your AustralianSuper in high risk where if the market goes down, your balance goes to 5,000, and they wipe your insurances out. K? Outside of that, if you look at the rest of the table, it's exactly what you've currently got, except in the very middle row, you can see the Benelong concentrated equities where 43,000 that's being sold down to zero. You're getting rid of that one. And then if you go down to the next page, bottom of the table, you can see Ospiny, which is your replacement option. K? If you skip down two more pages, we've got a lovely colored pie chart for your asset allocation. And that's just basically saying growth is usually between, like, 85% shares and property like growth assets. And we're still keeping you within that range, and then it just splits down how much is going in Australian shares and property and gold and cash and all those different assets. K? And the two main ones to sort of cap it off is a fee comparison on the next page. And you should be able to see hub and Australian super and then Australian super and hub, and it kinda shows you this is how your balances are currently sitting. And then once we move the money across, that's where they will be sitting after we implement the advice. K? The difference is in investment fees will go down a little bit. Admin fees will go up a little bit because Hub's a bit more expensive than AustralianSuper, but the investments are lower fees. K? Bottom of the table is your performance. So comparing both of them combined as it currently sits, 9.38% per year for five years versus 12.57. It's a nice little third jump up there. And then on the next page, we've got the updated projection. Just showing over the next five to nine years, we're estimating right about 40 to 80,000 better off with the rollover and the investment switch. One really cool thing I wanted to point out is, can you see the second table on that page, how it's got all those percentages for twelve months, three years, five years, and ten? Yep. It's just the consistency. So on the right hand side, it's all pretty well double digits across all time frames, whereas where you've currently got it, it kind of bounces between high, low, high, low. K? And then on the one after that, we have a retirement analysis. Have you ever seen one of these little graphs before with the green and the blue? So what we've done is we've essentially projected up your balance up until retirement age, and then we put that through the government calculator to say how much income can that produce, and will that match your goal of a thousand dollars a week? And it says you'll be able to produce a lot more than that all the way up until age 98. So what that really means is we can essentially say that we believe you will be on track. Cool. I know I've just kind of gone quite quickly in what we're doing and why. Does it make sense? Do you have any questions for me? Cool. Yeah. Cool. And one of the things that we'll do as we go along is every year, we're gonna keep checking to see how it's tracking because, obviously, markets go up and down. And then once you get a bit closer, we're gonna start, like, reducing your risk level a little bit to make sure that you're not getting to, you know, a year before retirement and a third of your super gets wiped out from the stock market. K? The rest of the document is essentially just a reminder about the wills and power of attorney. And, again, I I don't need to remind you why that's probably a good idea to have in place. Again, we can't actually set up a will. Like, you have to go to a solicitor, public trustee, or the post office. And then we've really just got some, we've just redisclosed the fees at the back that we're charging. And implementation wise, if you're comfortable with this strategy, you can essentially sign the authority to proceed, and then we will basically do a rollover and an investment switch from our system. Alrighty. Nice and easy today, but any last questions for me before I let you go? Cool. Well, what'll happen from here, Josephine, is that I will get that implemented once it comes through signed. The team will kinda just save it off in the file. You'll get a signed copy as well, and we'll get all that moving. I will be going on leave again, like I was saying, in a few weeks' time. But if you have any questions, like, just email back, call the team, and there's a whole group of advisers here that can help until I get back at the end of June. I will. I'm gonna have a fantastic time, and thank you for your time today. Awesome, Joe. Talk to you soon. I'll see you later. 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Joe. It's Tony here, senior adviser from Oakview. How have you been? Living the dream so far and having a fantastic day, and much better talking to you. Much better talking to you today.\n\nNo worries. Now I've got a statement of advice to send through to you from our recent review discussion. Do you have a bit of time for me? Amazing. So just before I send through this email, I'm just gonna do the quick security check with you if that's okay.\n\nAwesome. Joe, are you okay for the calls to be recorded? And I am registered with Asik as adviser 1273105. Could you please confirm your date of birth and address? Yep.\n\nFantastic. Now I've got this advice document to send through with a few supporting documents with it. Will you be able to access to your Gmail account today to look on with me? Alright. I'm gonna pop it through now.\n\nNow just remind us that this is coming through from a system called sign now. We just had a little bit of a a block on our Odoo sign, so it might look a little bit different, a little bit more blue than the purple this time. Now it should come through to your main inbox. It may go through to spam, but it's usually pretty quick. Do you wanna grab your email up and just see if that comes through okay?\n\nPerfect. And you should see that nice beachfront city view with your name there and the the date of the May 13 and my details and license number down the bottom. Alrighty. So does that come through okay? Yep.\n\nIt's not too blurry or anything like that, is it? Beautiful. Alright. Now do you remember what we were looking to change from our last conversation? Does any of that kind of ring a bell?\n\nNo. That's totally fine. Cool. So if you could pop down to pages three and four for me, you'll see the scope of advice. Nice little blue heading there.\n\nScope of advice considered. The main thing was we were just doing a quick review of your portfolio in the super because one of the investment options wasn't doing too well. The rest of it was doing great, and then we do have that balances built up in your Australian Super Fund as well. Perfect. If you're on the next page, you'll see that we've just added in a couple of reminders for estate planning just to make sure that the will and the power of attorney are in place and up to date just as that kind of yearly reminder in the background.\n\nAnd then insurance wise, we were pretty much going to leave your insurances as they were. We're not looking to replace anything, but we factored in the premiums for projections and the cost. Cool. And then the last couple of things on the scope, if you go to that next page on five, you'll see scope of advice not considered. And it's got, like, budgeting and cash flow and debt.\n\nBasically, just saying, we're reviewing the super investments at the moment. We're not giving you budgeting advice, debt management advice. You're kind of managing the repayments of of debt, paying down the mortgage, your renovations, all of that yourself. And I've included there that you're gonna renovate the yard, the kitchen, build a bit of a veranda. So you've got a lot of, like, a lot of ticks that you need to do with all of your cash flow going to the renovations.\n\nDoes that sound right? Perfect. If you skip through a couple more pages on the about you section, I've put in all the details that we updated during your review on page seven and eight. And if you go to page eight, we've got your assets and liabilities where we've got the main residence. You've got your car.\n\nYou've got the cash in the offset account, the 85,000 there that I've added. And the only loans is just the mortgage and the credit card at this point. Perfect. And if you go down through, as you scroll through the document and you go through pages ten and eleven, you'll see your risk profile, which is that kind of growth, four out of five, still focusing mostly on growing the super, but not the high risk. Perfect.\n\nNow you'll get to a bit of a wordy section on page 12 under strategy recommendations. Can you let me know when you can see that one? Cool. So can you see in the middle where it's got best interest duty? That's essentially my duty to give recommendations to try and meet your goals and leave you in a better position.\n\nSo this is the explanation of what we're doing and why. And, essentially, what the recommendations are is a little bit of an update to your hub portfolio and a partial rollover from AustralianSuper into that main hub portfolio and just keeping the minimum to keep the insurances active. Now we're replacing that Benelong option, which was underperforming, with an option called Alfiniti, which essentially just has lower fees. It's a similar style of investment and much better performance as well. And then we've kind of looked at some projections over the next five to ten years just to make sure that you're on track.\n\nCool. If you go past there, you'll see a lovely long table with all the advantages and disadvantages on there. And, essentially, lower fees, better performance, similar style, similar risk level, and then we factored in things like any capital gains tax within your super just to make sure we've included all the fees and things. And there's obviously no guarantees when you pick investments that we can control the weather and whether the market goes up or down. Now if you go past that point, you go through to the next big one, which is page 15.\n\nAnd can you let me know when you can see that nice big blue bar that just talks about the rollover from AustralianSuper? So, basically, the 10,000 is the minimum you need to keep in your super fund plus a buffer to make sure the insurances don't disappear. Everything else we can move across into the main portfolio. And I did have a quick check on transfer terms to see if I could actually move your insurances across, but you don't have the eligibility for that right now. K.\n\nSo that's all good. The main disadvantage, obviously, of running two super funds is you pay that yearly fee to keep the second account open, which with Australian super is about $78 for the flat admin fee. Cool. If you go through after that, last couple of pages, on eighteen and nineteen, you'll see a ginormous table with a whole bunch of codes, percentages, and dollar figures, and it's your investments table. Alrighty.\n\nSo, essentially, we're just gonna keep the AustralianSuper investment the same because that's in, like, a balanced fund. That's a three out of five on the risk scale. That's just making sure that you're not putting your AustralianSuper in high risk where if the market goes down, your balance goes to 5,000, and they wipe your insurances out. K? Outside of that, if you look at the rest of the table, it's exactly what you've currently got, except in the very middle row, you can see the Benelong concentrated equities where 43,000 that's being sold down to zero.\n\nYou're getting rid of that one. And then if you go down to the next page, bottom of the table, you can see Ospiny, which is your replacement option. K? If you skip down two more pages, we've got a lovely colored pie chart for your asset allocation. And that's just basically saying growth is usually between, like, 85% shares and property like growth assets.\n\nAnd we're still keeping you within that range, and then it just splits down how much is going in Australian shares and property and gold and cash and all those different assets. K? And the two main ones to sort of cap it off is a fee comparison on the next page. And you should be able to see hub and Australian super and then Australian super and hub, and it kinda shows you this is how your balances are currently sitting. And then once we move the money across, that's where they will be sitting after we implement the advice.\n\nK? The difference is in investment fees will go down a little bit. Admin fees will go up a little bit because Hub's a bit more expensive than AustralianSuper, but the investments are lower fees. K? Bottom of the table is your performance.\n\nSo comparing both of them combined as it currently sits, 9.38% per year for five years versus 12.57. It's a nice little third jump up there. And then on the next page, we've got the updated projection. Just showing over the next five to nine years, we're estimating right about 40 to 80,000 better off with the rollover and the investment switch. One really cool thing I wanted to point out is, can you see the second table on that page, how it's got all those percentages for twelve months, three years, five years, and ten?\n\nYep. It's just the consistency. So on the right hand side, it's all pretty well double digits across all time frames, whereas where you've currently got it, it kind of bounces between high, low, high, low. K? And then on the one after that, we have a retirement analysis.\n\nHave you ever seen one of these little graphs before with the green and the blue? So what we've done is we've essentially projected up your balance up until retirement age, and then we put that through the government calculator to say how much income can that produce, and will that match your goal of a thousand dollars a week? And it says you'll be able to produce a lot more than that all the way up until age 98. So what that really means is we can essentially say that we believe you will be on track. Cool.\n\nI know I've just kind of gone quite quickly in what we're doing and why. Does it make sense? Do you have any questions for me? Cool. Yeah.\n\nCool. And one of the things that we'll do as we go along is every year, we're gonna keep checking to see how it's tracking because, obviously, markets go up and down. And then once you get a bit closer, we're gonna start, like, reducing your risk level a little bit to make sure that you're not getting to, you know, a year before retirement and a third of your super gets wiped out from the stock market. K? The rest of the document is essentially just a reminder about the wills and power of attorney.\n\nAnd, again, I I don't need to remind you why that's probably a good idea to have in place. Again, we can't actually set up a will. Like, you have to go to a solicitor, public trustee, or the post office. And then we've really just got some, we've just redisclosed the fees at the back that we're charging. And implementation wise, if you're comfortable with this strategy, you can essentially sign the authority to proceed, and then we will basically do a rollover and an investment switch from our system.\n\nAlrighty. Nice and easy today, but any last questions for me before I let you go? Cool. Well, what'll happen from here, Josephine, is that I will get that implemented once it comes through signed. The team will kinda just save it off in the file.\n\nYou'll get a signed copy as well, and we'll get all that moving. I will be going on leave again, like I was saying, in a few weeks' time. But if you have any questions, like, just email back, call the team, and there's a whole group of advisers here that can help until I get back at the end of June. I will. I'm gonna have a fantastic time, and thank you for your time today.\n\nAwesome, Joe. Talk to you soon. I'll see you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Joe.","start":2.24,"end":2.8,"sentiment":"neutral","sentiment_score":0.08704692497849464},{"text":"It's Tony here, senior adviser from Oakview.","start":2.8,"end":4.98,"sentiment":"neutral","sentiment_score":0.10570099630526134},{"text":"How have you been?","start":5.12,"end":6.1,"sentiment":"neutral","sentiment_score":0.1174318790435791},{"text":"Living the dream so far and having a fantastic day, and much better talking to you.","start":8.8,"end":13.575,"sentiment":"positive","sentiment_score":0.7015951387584209},{"text":"Much better talking to you today.","start":15.335,"end":16.955,"sentiment":"positive","sentiment_score":0.4023427665233612}],"sentiment":"positive","sentiment_score":0.42923734741551534,"num_words":35,"start":2.24,"end":16.955},{"sentences":[{"text":"No worries.","start":18.215,"end":18.775,"sentiment":"neutral","sentiment_score":0.12197758257389069},{"text":"Now I've got a statement of advice to send through to you 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1273105.","start":37.845,"end":42.085,"sentiment":"neutral","sentiment_score":0.047960963307155505},{"text":"Could you please confirm your date of birth and address?","start":42.085,"end":44.745,"sentiment":"neutral","sentiment_score":0.038834290020167826},{"text":"Yep.","start":48.965,"end":49.465,"sentiment":"neutral","sentiment_score":0.03005715273320675}],"sentiment":"neutral","sentiment_score":0.06679247469911652,"num_words":31,"start":33.75,"end":49.465},{"sentences":[{"text":"Fantastic.","start":53.219997,"end":53.719997,"sentiment":"positive","sentiment_score":0.5807060599327087},{"text":"Now I've got this advice document to send through with a few supporting documents with it.","start":53.86,"end":58.019997,"sentiment":"neutral","sentiment_score":0.21951361373066902},{"text":"Will you be able to access to your Gmail account today to look on with me?","start":58.019997,"end":62.055,"sentiment":"neutral","sentiment_score":0.11968296859413385},{"text":"Alright.","start":63.335,"end":63.655,"sentiment":"neutral","sentiment_score":0.05717746540904045},{"text":"I'm gonna pop it through now.","start":63.655,"end":65.195,"sentiment":"neutral","sentiment_score":0.08783106505870819}],"sentiment":"neutral","sentiment_score":0.1648003808222711,"num_words":40,"start":53.219997,"end":65.195},{"sentences":[{"text":"Now just remind us that this is coming through from a system called sign now.","start":65.335,"end":70.955,"sentiment":"neutral","sentiment_score":0.007862744852900505},{"text":"We just had a little bit of a a block on our Odoo sign, so it might look a little bit different, a little bit more blue than the purple this time.","start":71.335,"end":78.83,"sentiment":"neutral","sentiment_score":-0.017609775211894885},{"text":"Now it should come through to your main inbox.","start":80.33,"end":82.35,"sentiment":"neutral","sentiment_score":0.02244483886493577},{"text":"It may go through to spam, but it's usually pretty quick.","start":82.49,"end":85.15,"sentiment":"neutral","sentiment_score":-0.01843484778973189},{"text":"Do you wanna grab your email up and just see if that comes through okay?","start":85.369995,"end":88.99,"sentiment":"neutral","sentiment_score":0.025020930667718252}],"sentiment":"neutral","sentiment_score":-0.0008663103643168764,"num_words":82,"start":65.335,"end":88.99},{"sentences":[{"text":"Perfect.","start":95.034996,"end":95.534996,"sentiment":"positive","sentiment_score":0.3669990003108978},{"text":"And you should see that nice beachfront city view with your name there and the the date of the May 13 and my details and license number down the 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looking to change from our last conversation?","start":117.41499,"end":122.155,"sentiment":"neutral","sentiment_score":-0.00952048965596727},{"text":"Does any of that kind of ring a bell?","start":122.215,"end":123.975,"sentiment":"neutral","sentiment_score":-0.03658811582459344}],"sentiment":"neutral","sentiment_score":-0.007781054425452437,"num_words":35,"start":113.25,"end":123.975},{"sentences":[{"text":"No.","start":123.975,"end":124.215,"sentiment":"neutral","sentiment_score":-0.08104211091995239},{"text":"That's totally fine.","start":124.215,"end":125.354996,"sentiment":"neutral","sentiment_score":0.05699524531761805},{"text":"Cool.","start":128.70999,"end":129.11,"sentiment":"neutral","sentiment_score":0.2744031548500061},{"text":"So if you could pop down to pages three and four for me, you'll see the scope of advice.","start":129.11,"end":133.93,"sentiment":"neutral","sentiment_score":0.18841302473294108},{"text":"Nice little blue heading there.","start":136.87,"end":138.31,"sentiment":"positive","sentiment_score":0.5847019076347351}],"sentiment":"neutral","sentiment_score":0.23681737199939532,"num_words":29,"start":123.975,"end":138.31},{"sentences":[{"text":"Scope of advice considered.","start":138.31,"end":139.69,"sentiment":"neutral","sentiment_score":0.17954102717339993},{"text":"The main thing was we were just doing a quick review of your portfolio in the super because one of the investment options wasn't doing too well.","start":139.895,"end":147.495,"sentiment":"neutral","sentiment_score":0.04551167137644909},{"text":"The rest of it was doing great, and then we do have that balances built up in your Australian Super Fund as well.","start":147.495,"end":154.56,"sentiment":"positive","sentiment_score":0.4639729565900305},{"text":"Perfect.","start":155.76,"end":156.26,"sentiment":"positive","sentiment_score":0.52376788854599},{"text":"If you're on the next page, you'll see that we've just added in a couple of reminders for estate planning just to make sure that the will and the power of attorney are in place and up to date just as that kind of yearly reminder in the background.","start":156.4,"end":170.765,"sentiment":"neutral","sentiment_score":0.2075179018156261}],"sentiment":"neutral","sentiment_score":0.22413944533596245,"num_words":104,"start":138.31,"end":170.765},{"sentences":[{"text":"And then insurance wise, we were pretty much going to leave your insurances as they were.","start":171.465,"end":178.345,"sentiment":"neutral","sentiment_score":-0.0052707563154399395},{"text":"We're not looking to replace anything, but we factored in the premiums for projections and the cost.","start":178.665,"end":183.325,"sentiment":"neutral","sentiment_score":-0.017782023121767184},{"text":"Cool.","start":184.54,"end":184.86,"sentiment":"neutral","sentiment_score":0.17137540876865387},{"text":"And then the last couple of things on the scope, if you go to that next page on five, you'll see scope of advice not considered.","start":184.86,"end":190.8,"sentiment":"neutral","sentiment_score":-0.05964465990949135},{"text":"And it's got, like, budgeting and cash flow and debt.","start":191.09999,"end":193.92,"sentiment":"neutral","sentiment_score":-0.06508131828159094}],"sentiment":"neutral","sentiment_score":-0.034526077511587316,"num_words":70,"start":171.465,"end":193.92},{"sentences":[{"text":"Basically, just saying, we're reviewing the super investments at the moment.","start":194.06,"end":197.565,"sentiment":"neutral","sentiment_score":-0.028774937106804413},{"text":"We're not giving you budgeting advice, debt management advice.","start":197.565,"end":200.445,"sentiment":"neutral","sentiment_score":-0.16737280206547844},{"text":"You're kind of managing the repayments of of debt, paying down the mortgage, your renovations, all of that yourself.","start":200.445,"end":206.945,"sentiment":"neutral","sentiment_score":-0.03689258780918623},{"text":"And I've included there that you're gonna renovate the yard, the kitchen, build a bit of a veranda.","start":207.88501,"end":212.545,"sentiment":"neutral","sentiment_score":0.13098857717381585},{"text":"So you've got a lot of, like, a lot of ticks that you need to do with all of your cash flow going to the renovations.","start":212.85,"end":219.43001,"sentiment":"neutral","sentiment_score":0.10379264475061344}],"sentiment":"neutral","sentiment_score":0.030512824789228208,"num_words":83,"start":194.06,"end":219.43001},{"sentences":[{"text":"Does that sound right?","start":219.57,"end":220.71,"sentiment":"neutral","sentiment_score":0.10725967586040497},{"text":"Perfect.","start":221.73001,"end":222.23001,"sentiment":"positive","sentiment_score":0.3709834218025207},{"text":"If you skip through a couple more pages on the about you section, I've put in all the details that we updated during your review on page seven and eight.","start":222.29001,"end":231.185,"sentiment":"neutral","sentiment_score":0.11432879529893399},{"text":"And if you go to page eight, we've got your assets and liabilities where we've got the main residence.","start":231.64499,"end":236.86499,"sentiment":"neutral","sentiment_score":0.05290740571523968},{"text":"You've got your car.","start":237.00499,"end":238.22499,"sentiment":"neutral","sentiment_score":0.032018247118685395}],"sentiment":"neutral","sentiment_score":0.09246896002200786,"num_words":58,"start":219.57,"end":238.22499},{"sentences":[{"text":"You've got the cash in the offset account, the 85,000 there that I've added.","start":238.26,"end":242.12,"sentiment":"neutral","sentiment_score":0.07043651331748281},{"text":"And the only loans is just the mortgage and the credit card at this point.","start":242.42,"end":245.79999,"sentiment":"neutral","sentiment_score":0.03608321746190389},{"text":"Perfect.","start":247.06,"end":247.56,"sentiment":"positive","sentiment_score":0.593591570854187},{"text":"And if you go down through, as you scroll through the document and you go through pages ten and eleven, you'll see your risk profile, which is that kind of growth, four out of five, still focusing mostly on growing the super, but not the high risk.","start":247.78,"end":262.245,"sentiment":"neutral","sentiment_score":0.13642240918063103},{"text":"Perfect.","start":264.065,"end":264.565,"sentiment":"positive","sentiment_score":0.3888152837753296}],"sentiment":"neutral","sentiment_score":0.11437973762169862,"num_words":78,"start":238.26,"end":264.565},{"sentences":[{"text":"Now you'll get to a bit of a wordy section on page 12 under strategy recommendations.","start":264.785,"end":269.13998,"sentiment":"neutral","sentiment_score":0.18708707764744759},{"text":"Can you let me know when you can see that one?","start":269.28,"end":271.21997,"sentiment":"neutral","sentiment_score":0.09715169194069775},{"text":"Cool.","start":272.63998,"end":272.96,"sentiment":"neutral","sentiment_score":0.27049291133880615},{"text":"So can you see in the middle where it's got best interest duty?","start":272.96,"end":275.78,"sentiment":"neutral","sentiment_score":0.12118511990858959},{"text":"That's essentially my duty to give recommendations to try and meet your goals and leave you in a better position.","start":276.87997,"end":283.41498,"sentiment":"neutral","sentiment_score":0.33315072059631345}],"sentiment":"neutral","sentiment_score":0.20608156943907502,"num_words":61,"start":264.785,"end":283.41498},{"sentences":[{"text":"So this is the explanation of what we're doing and why.","start":283.41498,"end":286.315,"sentiment":"neutral","sentiment_score":0.1404403014616533},{"text":"And, essentially, what the recommendations are is a little bit of an update to your hub portfolio and a partial rollover from AustralianSuper into that main hub portfolio and just keeping the minimum to keep the insurances active.","start":286.535,"end":299.59003,"sentiment":"neutral","sentiment_score":0.10576010887560092},{"text":"Now we're replacing that Benelong option, which was underperforming, with an option called Alfiniti, which essentially just has lower fees.","start":301.33002,"end":310.975,"sentiment":"neutral","sentiment_score":0.08545003645122051},{"text":"It's a similar style of investment and much better performance as well.","start":311.035,"end":315.515,"sentiment":"neutral","sentiment_score":0.18586846441030502},{"text":"And then we've kind of looked at some projections over the next five to ten years just to make sure that you're on track.","start":315.515,"end":321.42,"sentiment":"neutral","sentiment_score":0.15162146588166556}],"sentiment":"neutral","sentiment_score":0.12516252320437204,"num_words":105,"start":283.41498,"end":321.42},{"sentences":[{"text":"Cool.","start":322.7,"end":323.18002,"sentiment":"neutral","sentiment_score":0.2609366774559021},{"text":"If you go past there, you'll see a lovely long table with all the advantages and disadvantages on there.","start":323.18002,"end":328.64,"sentiment":"neutral","sentiment_score":0.14439137279987335},{"text":"And, essentially, lower fees, better performance, similar style, similar risk level, and then we factored in things like any capital gains tax within your super just to make sure we've included all the fees and things.","start":329.74002,"end":342.385,"sentiment":"neutral","sentiment_score":0.13768130189014804},{"text":"And there's obviously no guarantees when you pick investments that we can control the weather and whether the market goes up or down.","start":342.605,"end":348.84,"sentiment":"neutral","sentiment_score":-0.005983144105614528},{"text":"Now if you go past that point, you go through to the next big one, which is page 15.","start":350.19998,"end":356.22,"sentiment":"neutral","sentiment_score":0.08925509413606242}],"sentiment":"neutral","sentiment_score":0.09713402145770283,"num_words":98,"start":322.7,"end":356.22},{"sentences":[{"text":"And can you let me know when you can see that nice big blue bar that just talks about the rollover from AustralianSuper?","start":356.68,"end":362.13998,"sentiment":"neutral","sentiment_score":0.11493078910786172},{"text":"So, basically, the 10,000 is the minimum you need to keep in your super fund plus a buffer to make sure the insurances don't disappear.","start":364.565,"end":372.425,"sentiment":"neutral","sentiment_score":0.19481468111276626},{"text":"Everything else we can move across into the main portfolio.","start":373.845,"end":376.505,"sentiment":"neutral","sentiment_score":0.23528069406747817},{"text":"And I did have a quick check on transfer terms to see if I could actually move your insurances across, but you don't have the eligibility for that right now.","start":377.22,"end":387.48,"sentiment":"neutral","sentiment_score":0.10428633751968543},{"text":"K.","start":388.82,"end":389.14,"sentiment":"neutral","sentiment_score":-0.08858199417591095}],"sentiment":"neutral","sentiment_score":0.14501786797066754,"num_words":89,"start":356.68,"end":389.14},{"sentences":[{"text":"So that's all good.","start":389.14,"end":390.44,"sentiment":"neutral","sentiment_score":0.15817979909479618},{"text":"The main disadvantage, obviously, of running two super funds is you pay that yearly fee to keep the second account open, which with Australian super is about $78 for the flat admin fee.","start":391.175,"end":401.35498,"sentiment":"neutral","sentiment_score":-0.28227773478085344},{"text":"Cool.","start":403.19,"end":403.59,"sentiment":"neutral","sentiment_score":0.2253076136112213},{"text":"If you go through after that, last couple of pages, on eighteen and nineteen, you'll see a ginormous table with a whole bunch of codes, percentages, and dollar figures, and it's your investments table.","start":403.59,"end":415.61002,"sentiment":"neutral","sentiment_score":0.20238651269498995},{"text":"Alrighty.","start":417.425,"end":417.925,"sentiment":"neutral","sentiment_score":0.23966217041015625}],"sentiment":"neutral","sentiment_score":-0.018305956653944435,"num_words":73,"start":389.14,"end":417.925},{"sentences":[{"text":"So, essentially, we're just gonna keep the AustralianSuper investment the same because that's in, like, a balanced fund.","start":417.985,"end":423.745,"sentiment":"neutral","sentiment_score":0.23395703526006806},{"text":"That's a three out of five on the risk scale.","start":423.745,"end":426.00497,"sentiment":"neutral","sentiment_score":0.01053127646446228},{"text":"That's just making sure that you're not putting your AustralianSuper in high risk where if the market goes down, your balance goes to 5,000, and they wipe your insurances out.","start":426.065,"end":435.79,"sentiment":"neutral","sentiment_score":-0.2798209436237812},{"text":"K?","start":437.21,"end":437.71,"sentiment":"neutral","sentiment_score":-0.0017201192677021029},{"text":"Outside of that, if you look at the rest of the table, it's exactly what you've currently got, except in the very middle row, you can see the Benelong concentrated equities where 43,000 that's being sold down to zero.","start":437.93,"end":452.035,"sentiment":"neutral","sentiment_score":-0.0002580393726627032}],"sentiment":"neutral","sentiment_score":-0.041733393512134044,"num_words":98,"start":417.985,"end":452.035},{"sentences":[{"text":"You're getting rid of that one.","start":452.035,"end":453.415,"sentiment":"neutral","sentiment_score":-0.17471278955539069},{"text":"And then if you go down to the next page, bottom of the table, you can see Ospiny, which is your replacement option.","start":454.915,"end":461.33,"sentiment":"neutral","sentiment_score":0.05014616809785366},{"text":"K?","start":462.99,"end":463.47,"sentiment":"neutral","sentiment_score":0.05725616216659546},{"text":"If you skip down two more pages, we've got a lovely colored pie chart for your asset allocation.","start":463.47,"end":468.69,"sentiment":"neutral","sentiment_score":0.15776944822735256},{"text":"And that's just basically saying growth is usually between, like, 85% shares and property like growth assets.","start":470.205,"end":477.025,"sentiment":"neutral","sentiment_score":0.10185007794814951}],"sentiment":"neutral","sentiment_score":0.07282527206608883,"num_words":65,"start":452.035,"end":477.025},{"sentences":[{"text":"And we're still keeping you within that range, and then it just splits down how much is going in Australian shares and property and gold and cash and all those different assets.","start":477.32498,"end":486.49,"sentiment":"neutral","sentiment_score":0.15855277585797012},{"text":"K?","start":488.38998,"end":488.88998,"sentiment":"neutral","sentiment_score":0.0020161871798336506},{"text":"And the two main ones to sort of cap it off is a fee comparison on the next page.","start":489.03,"end":494.565,"sentiment":"neutral","sentiment_score":0.07422495594150141},{"text":"And you should be able to see hub and Australian super and then Australian super and hub, and it kinda shows you this is how your balances are currently sitting.","start":496.805,"end":505.765,"sentiment":"neutral","sentiment_score":0.18952015688021978},{"text":"And then once we move the money across, that's where they will be sitting after we implement the advice.","start":505.765,"end":510.74002,"sentiment":"neutral","sentiment_score":0.12971633947209307}],"sentiment":"neutral","sentiment_score":0.1449128151871264,"num_words":101,"start":477.32498,"end":510.74002},{"sentences":[{"text":"K?","start":512.24,"end":512.74,"sentiment":"neutral","sentiment_score":0.043019793927669525},{"text":"The difference is in investment fees will go down a little bit.","start":512.88,"end":516.18,"sentiment":"neutral","sentiment_score":0.04457599359254042},{"text":"Admin fees will go up a little bit because Hub's a bit more expensive than AustralianSuper, but the investments are lower fees.","start":516.4,"end":522.5,"sentiment":"neutral","sentiment_score":0.03912604363127188},{"text":"K?","start":524.505,"end":525.005,"sentiment":"neutral","sentiment_score":0.1082013100385666},{"text":"Bottom of the table is your performance.","start":525.305,"end":528.125,"sentiment":"neutral","sentiment_score":0.31324814898627146}],"sentiment":"neutral","sentiment_score":0.08696844255508379,"num_words":43,"start":512.24,"end":528.125},{"sentences":[{"text":"So comparing both of them combined as it currently sits, 9.38% per year for five years versus 12.57.","start":528.825,"end":537.885,"sentiment":"neutral","sentiment_score":0.3171127364039421},{"text":"It's a nice little third jump up there.","start":538.25,"end":541.77,"sentiment":"positive","sentiment_score":0.5187509395182133},{"text":"And then on the next page, we've got the updated projection.","start":541.77,"end":545.31,"sentiment":"neutral","sentiment_score":0.2078710360960527},{"text":"Just showing over the next five to nine years, we're estimating right about 40 to 80,000 better off with the rollover and the investment switch.","start":545.69,"end":555.205,"sentiment":"neutral","sentiment_score":0.2240588164329529},{"text":"One really cool thing I wanted to point out is, can you see the second table on that page, how it's got all those percentages for twelve months, three years, five years, and ten?","start":556.945,"end":565.905,"sentiment":"neutral","sentiment_score":0.2623880152754924}],"sentiment":"neutral","sentiment_score":0.2777841781110813,"num_words":96,"start":528.825,"end":565.905},{"sentences":[{"text":"Yep.","start":565.905,"end":566.405,"sentiment":"neutral","sentiment_score":0.17955689132213593},{"text":"It's just the consistency.","start":566.465,"end":567.60504,"sentiment":"neutral","sentiment_score":0.23306230455636978},{"text":"So on the right hand side, it's all pretty well double digits across all time frames, whereas where you've currently got it, it kind of bounces between high, low, high, low.","start":568.19,"end":576.93,"sentiment":"neutral","sentiment_score":0.2430726606999674},{"text":"K?","start":578.82996,"end":579.32996,"sentiment":"neutral","sentiment_score":0.06005086004734039},{"text":"And then on the one after that, we have a retirement analysis.","start":579.55,"end":584.395,"sentiment":"neutral","sentiment_score":0.08343782462179661}],"sentiment":"neutral","sentiment_score":0.1981298642195001,"num_words":49,"start":565.905,"end":584.395},{"sentences":[{"text":"Have you ever seen one of these little graphs before with the green and the blue?","start":584.85504,"end":588.555,"sentiment":"neutral","sentiment_score":0.074619694147259},{"text":"So what we've done is we've essentially projected up your balance up until retirement age, and then we put that through the government calculator to say how much income can that produce, and will that match your goal of a thousand dollars a week?","start":589.575,"end":602.12,"sentiment":"neutral","sentiment_score":0.25092858414758334},{"text":"And it says you'll be able to produce a lot more than that all the way up until age 98.","start":602.12,"end":607.905,"sentiment":"neutral","sentiment_score":0.3062939655035734},{"text":"So what that really means is we can essentially say that we believe you will be on track.","start":609.505,"end":614.80505,"sentiment":"positive","sentiment_score":0.5491905063390732},{"text":"Cool.","start":617.265,"end":617.765,"sentiment":"neutral","sentiment_score":0.11285959929227828}],"sentiment":"neutral","sentiment_score":0.28645394780118055,"num_words":99,"start":584.85504,"end":617.765},{"sentences":[{"text":"I know I've just kind of gone quite quickly in what we're doing and why.","start":618.54504,"end":622.48505,"sentiment":"neutral","sentiment_score":-0.018042735258738198},{"text":"Does it make sense?","start":622.98,"end":623.86,"sentiment":"neutral","sentiment_score":0.025649997405707836},{"text":"Do you have any questions for me?","start":623.86,"end":625.32,"sentiment":"neutral","sentiment_score":0.004568852750318391},{"text":"Cool.","start":628.33997,"end":628.83997,"sentiment":"neutral","sentiment_score":-0.13005074858665466},{"text":"Yeah.","start":635.06,"end":635.56,"sentiment":"neutral","sentiment_score":0.0047418177127838135}],"sentiment":"neutral","sentiment_score":-0.009334571459995849,"num_words":28,"start":618.54504,"end":635.56},{"sentences":[{"text":"Cool.","start":636.635,"end":636.875,"sentiment":"positive","sentiment_score":0.5242061614990234},{"text":"And one of the things that we'll do as we go along is every year, we're gonna keep checking to see how it's tracking because, obviously, markets go up and down.","start":636.875,"end":644.575,"sentiment":"neutral","sentiment_score":0.16817915307417994},{"text":"And then once you get a bit closer, we're gonna start, like, reducing your risk level a little bit to make sure that you're not getting to, you know, a year before retirement and a third of your super gets wiped out from the stock market.","start":644.715,"end":656.74,"sentiment":"neutral","sentiment_score":-0.0010925235793642373},{"text":"K?","start":658.88,"end":659.38,"sentiment":"neutral","sentiment_score":0.04805456101894379},{"text":"The rest of the document is essentially just a reminder about the wills and power of attorney.","start":659.68,"end":663.68,"sentiment":"neutral","sentiment_score":0.11916101241812986}],"sentiment":"neutral","sentiment_score":0.08084682910703123,"num_words":96,"start":636.635,"end":663.68},{"sentences":[{"text":"And, again, I I don't need to remind you why that's probably a good idea to have in place.","start":663.68,"end":667.505,"sentiment":"neutral","sentiment_score":0.1777618856806504},{"text":"Again, we can't actually set up a will.","start":669.165,"end":670.925,"sentiment":"neutral","sentiment_score":-0.05535841954406351},{"text":"Like, you have to go to a solicitor, public trustee, or the post office.","start":670.925,"end":674.705,"sentiment":"neutral","sentiment_score":-0.018642241268285682},{"text":"And then we've really just got some, we've just redisclosed the fees at the back that we're charging.","start":676.045,"end":682.08,"sentiment":"neutral","sentiment_score":0.019559017072121303},{"text":"And implementation wise, if you're comfortable with this strategy, you can essentially sign the authority to proceed, and then we will basically do a rollover and an investment switch from our system.","start":682.46,"end":693.92,"sentiment":"neutral","sentiment_score":0.1629181078169495}],"sentiment":"neutral","sentiment_score":0.09053910825565294,"num_words":91,"start":663.68,"end":693.92},{"sentences":[{"text":"Alrighty.","start":696.995,"end":697.495,"sentiment":"positive","sentiment_score":0.3353758454322815},{"text":"Nice and easy today, but any last questions for me before I let you go?","start":698.19495,"end":701.815,"sentiment":"neutral","sentiment_score":0.3250272850195567},{"text":"Cool.","start":704.19495,"end":704.675,"sentiment":"neutral","sentiment_score":0.3251095414161682},{"text":"Well, what'll happen from here, Josephine, is that I will get that implemented once it comes through signed.","start":704.675,"end":709.8,"sentiment":"neutral","sentiment_score":0.28237098455429077},{"text":"The team will kinda just save it off in the file.","start":709.8,"end":712.13995,"sentiment":"neutral","sentiment_score":0.27419845353473316}],"sentiment":"neutral","sentiment_score":0.29640772550002387,"num_words":46,"start":696.995,"end":712.13995},{"sentences":[{"text":"You'll get a signed copy as well, and we'll get all that moving.","start":712.2,"end":715.66,"sentiment":"positive","sentiment_score":0.33609426480073196},{"text":"I will be going on leave again, like I was saying, in a few weeks' time.","start":715.95996,"end":719.89996,"sentiment":"neutral","sentiment_score":0.09970284672454},{"text":"But if you have any questions, like, just email back, call the team, and there's a whole group of advisers here that can help until I get back at the end of June.","start":720.03503,"end":729.495,"sentiment":"neutral","sentiment_score":0.07314863925178845},{"text":"I will.","start":732.37,"end":732.85,"sentiment":"positive","sentiment_score":0.7237121760845184},{"text":"I'm gonna have a fantastic time, and thank you for your time today.","start":732.85,"end":736.94995,"sentiment":"positive","sentiment_score":0.830272573691148}],"sentiment":"neutral","sentiment_score":0.26778368695409266,"num_words":77,"start":712.2,"end":736.94995},{"sentences":[{"text":"Awesome, Joe.","start":738.76996,"end":739.32996,"sentiment":"positive","sentiment_score":0.7767232060432434},{"text":"Talk to you 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Jo speaking. I'm not too bad. Thanks. How are you? Pardon? Thank you. Yep. Yep. Sure. Sure. Date of birth, twenty one twelve sixty seven, and '29 Loringa Court, Craigmore, South Australia 5114. Right. Looks like I have. I'll just review the document. So Yeah. No. Not a 100 percent, but I I know we did discuss these, but I'm like, Yep. Yep. Yep. Okay. Yep. Yep. Yep. Yep. Yes. Yep. Yep. Yes. Yes. I'm there. Yep. Yep. Sure. Mhmm. Sure. Yeah. Mhmm. Yes. Yep. Yep. I'm in there. Right. No. Yeah. Mhmm. Zip. Mhmm. Right. Yep. Okay. Yep. Mhmm. Right. Okay. Yep. Okay. Right. Okay. Mhmm. Okay. Right. Yep. Okay. Yep. No worries. Yes. Wow. Cool. Nice. Yeah. No. That makes all all sense considering I have no idea. No. I'm joking that far. That's why you do the investing because I don't know. But no. Sounds good. Yeah. Yeah. Mhmm. Mhmm. Awesome. No. I don't think so. Awesome. Enjoy your holiday. No worries. Thank you. Okay. 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worries.","start":587.74,"end":588.39996,"sentiment":"neutral","sentiment_score":0.06993420794606209},{"text":"Yes.","start":605.155,"end":605.655,"sentiment":"neutral","sentiment_score":0.17639359831809998},{"text":"Wow.","start":609.12,"end":609.62,"sentiment":"positive","sentiment_score":0.5117487907409668},{"text":"Cool.","start":614.88,"end":615.38,"sentiment":"positive","sentiment_score":0.7373733520507812},{"text":"Nice.","start":615.92,"end":616.42,"sentiment":"positive","sentiment_score":0.748919665813446}],"sentiment":"positive","sentiment_score":0.3857173038025697,"num_words":6,"start":587.74,"end":616.42},{"sentences":[{"text":"Yeah.","start":625.59503,"end":625.755,"sentiment":"neutral","sentiment_score":-0.01680164597928524},{"text":"No.","start":625.755,"end":625.995,"sentiment":"neutral","sentiment_score":-0.116692453622818},{"text":"That makes all all sense considering I have no idea.","start":625.995,"end":629.455,"sentiment":"neutral","sentiment_score":-0.16824740916490555},{"text":"No.","start":629.59503,"end":629.835,"sentiment":"neutral","sentiment_score":-0.25559890270233154},{"text":"I'm joking that far.","start":629.835,"end":631.215,"sentiment":"neutral","sentiment_score":-0.25560373067855835}],"sentiment":"neutral","sentiment_score":-0.18199894215692491,"num_words":17,"start":625.59503,"end":631.215},{"sentences":[{"text":"That's why you do the investing because I don't know.","start":631.88,"end":634.54,"sentiment":"neutral","sentiment_score":-0.09439131803810596},{"text":"But no.","start":634.92,"end":635.48,"sentiment":"neutral","sentiment_score":0.05204731598496437},{"text":"Sounds 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you.","start":737.84503,"end":738.585,"sentiment":"positive","sentiment_score":0.7567639648914337},{"text":"Okay.","start":740.965,"end":741.365,"sentiment":"neutral","sentiment_score":0.2196217030286789}],"sentiment":"positive","sentiment_score":0.6640276196930144,"num_words":9,"start":730.085,"end":741.365},{"sentences":[{"text":"Bye.","start":741.365,"end":741.865,"sentiment":"neutral","sentiment_score":0.1975443959236145}],"sentiment":"neutral","sentiment_score":0.1975443959236145,"num_words":1,"start":741.365,"end":741.865}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Jo speaking.\n\nChannel 0: Hi, Joe. It's Tony here, senior adviser from Oakview. How have you been?\n\nChannel 1: I'm not too bad. Thanks. How are you?\n\nChannel 0: Living the dream so far and having a fantastic day, and much better talking to you.\n\nChannel 1: Pardon?\n\nChannel 0: Much better talking to you today.\n\nChannel 1: Thank you.\n\nChannel 0: No worries. Now I've got a statement of advice to send through to you from our recent review discussion. Do you have\n\nChannel 1: Yep.\n\nChannel 0: a bit of time for me?\n\nChannel 1: Yep.\n\nChannel 0: Amazing. So just before I send through this email, I'm just gonna do the quick security check with you if that's okay.\n\nChannel 1: Sure.\n\nChannel 0: Awesome. Joe, are you okay for the calls to be recorded?\n\nChannel 1: Sure.\n\nChannel 0: And I am registered with Asik as adviser 1273105. Could you please confirm your date of birth and address?\n\nChannel 1: Date of birth, twenty one twelve sixty seven, and '29\n\nChannel 0: Yep.\n\nChannel 1: Loringa Court, Craigmore, South Australia 5114.\n\nChannel 0: Fantastic. Now I've got this advice document to send through with a few supporting documents with it. Will you be able to access to your Gmail account today to look on with me? Alright. I'm gonna pop it through now.\n\nNow just remind us that this is coming through from a system called sign now. We just had a little bit of a a block on our Odoo sign, so it might look a little bit different, a little bit more blue than the purple this time.\n\nChannel 1: Right.\n\nChannel 0: Now it should come through to your main inbox. It may go through to spam, but it's usually pretty quick. Do you wanna grab your email up and just see if that comes through okay?\n\nChannel 1: Looks like I have. I'll just review the document.\n\nChannel 0: Perfect. And you should see that nice beachfront city view with your name there and the the date of the May 13 and my details and license number down the bottom.\n\nChannel 1: So\n\nChannel 0: Alrighty. So does that come through okay?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. It's not too blurry or anything like that, is it?\n\nChannel 1: No.\n\nChannel 0: Beautiful. Alright. Now do you remember what we were looking to change from our last conversation? Does any of that kind of ring a bell?\n\nChannel 1: Not\n\nChannel 0: No.\n\nChannel 1: a\n\nChannel 0: That's\n\nChannel 1: 100\n\nChannel 0: totally\n\nChannel 1: percent,\n\nChannel 0: fine.\n\nChannel 1: but I I know we did discuss these, but I'm like,\n\nChannel 0: Cool. So if you could pop down to pages three and four for me, you'll see the scope of advice. Nice little blue heading there. Scope\n\nChannel 1: Yep.\n\nChannel 0: of advice considered. The main thing was we were just doing a quick review of your portfolio in the super because one of the investment options wasn't doing too well. The rest\n\nChannel 1: Yep.\n\nChannel 0: of it was doing great, and then we do have that balances built up in your Australian Super Fund as well.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. If you're on the next page, you'll see that we've just added in a couple of reminders for estate planning just to make sure that the will and the power of attorney are in place and up to date just as that kind of yearly reminder\n\nChannel 1: Okay.\n\nChannel 0: in the background.\n\nChannel 1: Yep.\n\nChannel 0: And then insurance wise, we were pretty much going to leave your insurances as they were.\n\nChannel 1: Yep.\n\nChannel 0: We're not looking to replace anything, but we factored in the premiums for projections and the cost.\n\nChannel 1: Yep.\n\nChannel 0: Cool. And then the last couple of things on the scope, if you go to that next page on five, you'll see scope of advice not considered. And it's\n\nChannel 1: Yep.\n\nChannel 0: got, like, budgeting and cash flow and debt. Basically, just saying, we're reviewing the super investments at the moment. We're not giving you budgeting advice, debt management advice. You're kind of managing the repayments of of debt, paying down the mortgage, your renovations, all of that yourself.\n\nChannel 1: Yes.\n\nChannel 0: And I've included there that you're gonna renovate the yard, the kitchen, build a bit of a veranda. So you've got a lot of, like, a lot of ticks that you need to do with all of your cash flow going to\n\nChannel 1: Yep.\n\nChannel 0: the renovations. Does that sound right?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. If you skip through a couple more pages on the about you section, I've put in all the details that we updated during your review on page seven and eight. And if you go to page eight, we've got your assets and liabilities where we've got the main residence. You've got your car. You've got the cash in the offset account, the 85,000 there that I've added.\n\nAnd the only loans is just the mortgage and the credit card at this point.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. And if you go down through, as you scroll through the document and you go through pages ten and eleven, you'll see your risk profile, which is that kind of growth, four out of five, still focusing mostly on growing the super, but not the high risk.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Now you'll get to a bit of a wordy section on page 12 under strategy recommendations. Can you let me know when you can see that one?\n\nChannel 1: I'm there.\n\nChannel 0: Cool. So can you see in the middle where it's got best interest duty?\n\nChannel 1: Yep.\n\nChannel 0: That's essentially my duty to give recommendations to try and meet your goals and leave you in a better position. So this is the explanation of what we're doing and why. And, essentially, what the recommendations are is a little bit of an update to your hub portfolio and a partial rollover from AustralianSuper\n\nChannel 1: Yep.\n\nChannel 0: into that main hub portfolio and just keeping the minimum to keep the insurances active.\n\nChannel 1: Sure.\n\nChannel 0: Now we're replacing that Benelong option, which was underperforming, with an option called Alfiniti, which essentially just has lower fees. It's a similar style of investment and much\n\nChannel 1: Mhmm.\n\nChannel 0: better performance as well. And then we've kind of looked at some projections over the next five to ten years just to make sure that you're on track. Cool. If you go past there, you'll see a lovely long table with all the advantages and disadvantages\n\nChannel 1: Sure.\n\nChannel 0: on there.\n\nChannel 1: Yeah.\n\nChannel 0: And, essentially, lower fees, better performance, similar style, similar risk level, and then we factored in things like any capital gains tax within your super just to make sure we've included all the fees and things. And\n\nChannel 1: Mhmm.\n\nChannel 0: there's obviously no guarantees when you pick investments that we can control the weather and whether the market goes up or down.\n\nChannel 1: Yes.\n\nChannel 0: Now if you go past that point, you go through to the next big one, which is page 15. And can you let me know when you can see that nice big blue bar that just\n\nChannel 1: Yep.\n\nChannel 0: talks about the rollover from AustralianSuper?\n\nChannel 1: Yep. I'm in there.\n\nChannel 0: So, basically, the 10,000 is the minimum you need to keep in your super fund plus a buffer to make sure the insurances don't disappear.\n\nChannel 1: Right.\n\nChannel 0: Everything else we can move across into the main portfolio. And I did have a quick check on transfer terms to see if I could actually move your insurances across, but you don't have the eligibility for that right now.\n\nChannel 1: No.\n\nChannel 0: K. So that's all good. The main disadvantage, obviously, of running two super funds is you pay that yearly fee to keep the second account open, which\n\nChannel 1: Yeah.\n\nChannel 0: with Australian super is about $78 for the flat admin fee.\n\nChannel 1: Mhmm.\n\nChannel 0: Cool. If you go through after that, last couple of pages, on eighteen and nineteen, you'll see a ginormous table with a whole bunch of codes, percentages, and dollar figures, and it's your\n\nChannel 1: Zip.\n\nChannel 0: investments table. Alrighty. So, essentially, we're just gonna keep the AustralianSuper investment the same because that's in, like, a balanced fund. That's a three out of five on the risk scale. That's just making sure that you're not putting your AustralianSuper in high risk where\n\nChannel 1: Mhmm.\n\nChannel 0: if the market goes down, your balance goes to 5,000, and they wipe your insurances out.\n\nChannel 1: Right.\n\nChannel 0: K? Outside of that, if you look at the rest of the table, it's exactly what you've currently got, except in the very middle row, you can see the Benelong concentrated\n\nChannel 1: Yep.\n\nChannel 0: equities where 43,000 that's being sold down to zero. You're getting rid of that one. And then if you go down to the next page, bottom of the table, you can see Ospiny, which is your replacement option.\n\nChannel 1: Okay. Yep.\n\nChannel 0: K? If you skip down two more pages, we've got a lovely colored pie chart for your asset allocation.\n\nChannel 1: Mhmm.\n\nChannel 0: And that's just basically saying growth is usually between, like, 85% shares and property like growth assets. And we're\n\nChannel 1: Right.\n\nChannel 0: still keeping you within that range, and then it just splits down how much is going in Australian shares and property and gold and cash and all those different assets.\n\nChannel 1: Okay.\n\nChannel 0: K? And the two main ones to sort of cap it off is a fee comparison on the next page. And you\n\nChannel 1: Yep.\n\nChannel 0: should be able to see hub and Australian super and then Australian super and hub, and it kinda shows you this is how your balances are currently sitting. And then once we move the money across, that's where they will be sitting after we implement the advice.\n\nChannel 1: Okay.\n\nChannel 0: K? The difference is in investment fees will go down a little bit. Admin fees will go up a little bit because Hub's a bit more expensive than AustralianSuper, but the investments are lower fees.\n\nChannel 1: Right. Okay.\n\nChannel 0: K? Bottom of the table is your performance. So comparing both of them combined as it currently sits, 9.38% per year for five years versus 12.57. It's a nice\n\nChannel 1: Mhmm.\n\nChannel 0: little third jump up there. And then on the next page, we've got the updated projection. Just showing over the next five to nine years, we're estimating right about 40 to 80,000 better off with\n\nChannel 1: Okay.\n\nChannel 0: the rollover and the investment switch.\n\nChannel 1: Right.\n\nChannel 0: One really cool thing I wanted to point out is, can you see the second table on that page, how it's got all those percentages for twelve months, three\n\nChannel 1: Yep.\n\nChannel 0: years, five years, and ten? Yep. It's just the consistency. So on the right hand side, it's all pretty well double digits across all time frames, whereas where you've currently got it, it kind of bounces between high, low, high, low.\n\nChannel 1: Okay. Yep.\n\nChannel 0: K? And then on the one after that, we have a retirement analysis. Have you ever seen one of these little graphs before with the green and\n\nChannel 1: No worries.\n\nChannel 0: the blue? So what we've done is we've essentially projected up your balance up until retirement age, and then we put that through the government calculator to say how much income can that produce, and will that match your goal of a thousand dollars a week? And it says you'll be able to produce a lot more than that all\n\nChannel 1: Yes.\n\nChannel 0: the way up until age 98.\n\nChannel 1: Wow.\n\nChannel 0: So what that really means is we can essentially say that we believe you will be on track.\n\nChannel 1: Cool. Nice.\n\nChannel 0: Cool. I know I've just kind of gone quite quickly in what we're doing and why. Does it make sense? Do you have any questions for me?\n\nChannel 1: Yeah. No. That makes all all sense considering\n\nChannel 0: Cool.\n\nChannel 1: I have no idea. No. I'm joking that far. That's why you do the investing because I don't know. But\n\nChannel 0: Yeah.\n\nChannel 1: no. Sounds good.\n\nChannel 0: Cool. And one of the things that we'll do as we go along is every year, we're gonna keep checking to see how it's tracking because, obviously, markets go up and down. And then once you get a bit closer, we're gonna start, like, reducing your risk level a little bit to make sure that you're not getting to, you know, a year before retirement and a third of your super gets wiped out from the stock market.\n\nChannel 1: Yeah.\n\nChannel 0: K? The rest of the document is essentially just a reminder about the wills and power of attorney. And, again, I I don't need to remind you why that's probably a good idea to have in place.\n\nChannel 1: Yeah.\n\nChannel 0: Again, we can't actually set up a will. Like, you have to go to a solicitor, public trustee, or the post office. And then we've really just got some, we've just redisclosed the fees at the back that we're charging.\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: And implementation wise, if you're comfortable with this strategy, you can essentially sign the authority to proceed, and then we will basically do a rollover and an investment switch from our system. Alrighty. Nice and easy today, but any last questions for me before I let you go?\n\nChannel 1: Awesome. No. I don't think so.\n\nChannel 0: Cool. Well, what'll happen from here, Josephine, is that I will get that implemented once it comes through signed. The team will kinda just save it off in the file. You'll get a signed copy as well, and we'll get all that moving. I will be going on leave again, like I was saying, in a few weeks' time.\n\nBut if you have any questions, like, just email back, call the team, and there's a whole group of advisers here that can help until I get back at the end of June.\n\nChannel 1: Awesome. Enjoy your holiday.\n\nChannel 0: I will. I'm gonna have a fantastic time, and thank you for your time today.\n\nChannel 1: No worries. Thank you.\n\nChannel 0: Awesome, Joe. Talk to you soon. I'll see you later.\n\nChannel 1: Okay. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":0.96,"sentiment":"neutral","sentiment_score":0.012201013043522837},{"text":"Jo speaking.","start":0.96,"end":1.78,"sentiment":"neutral","sentiment_score":0.020236211828887463}],"sentiment":"neutral","sentiment_score":0.01755781223376592,"channel":1,"num_words":3,"start":0.56,"end":1.78},{"sentences":[{"text":"Hi, Joe.","start":2.24,"end":2.8,"sentiment":"neutral","sentiment_score":0.08704692497849464},{"text":"It's Tony here, senior adviser from Oakview.","start":2.8,"end":4.98,"sentiment":"neutral","sentiment_score":0.10570099630526134},{"text":"How have you been?","start":5.12,"end":6.1,"sentiment":"neutral","sentiment_score":0.1174318790435791}],"sentiment":"neutral","sentiment_score":0.1064406415590873,"channel":0,"num_words":13,"start":2.24,"end":6.1},{"sentences":[{"text":"I'm not too bad.","start":6.24,"end":7.2799997,"sentiment":"neutral","sentiment_score":0.2615499086678028},{"text":"Thanks.","start":7.2799997,"end":7.52,"sentiment":"positive","sentiment_score":0.5744844675064087},{"text":"How are you?","start":7.52,"end":8.34,"sentiment":"positive","sentiment_score":0.3769664267698924}],"sentiment":"positive","sentiment_score":0.34394792281091213,"channel":1,"num_words":8,"start":6.24,"end":8.34},{"sentences":[{"text":"Living the dream so far and having a fantastic day, and much better talking to you.","start":8.8,"end":13.575,"sentiment":"positive","sentiment_score":0.7015951387584209}],"sentiment":"positive","sentiment_score":0.7015951387584209,"channel":0,"num_words":16,"start":8.8,"end":13.575},{"sentences":[{"text":"Pardon?","start":14.075,"end":14.575,"sentiment":"neutral","sentiment_score":0.06464099884033203}],"sentiment":"neutral","sentiment_score":0.06464099884033203,"channel":1,"num_words":1,"start":14.075,"end":14.575},{"sentences":[{"text":"Much better talking to you today.","start":15.335,"end":16.955,"sentiment":"positive","sentiment_score":0.4023427665233612}],"sentiment":"positive","sentiment_score":0.4023427665233612,"channel":0,"num_words":6,"start":15.335,"end":16.955},{"sentences":[{"text":"Thank you.","start":16.795,"end":17.775,"sentiment":"positive","sentiment_score":0.5303658545017242}],"sentiment":"positive","sentiment_score":0.5303658545017242,"channel":1,"num_words":2,"start":16.795,"end":17.775},{"sentences":[{"text":"No worries.","start":18.215,"end":18.775,"sentiment":"neutral","sentiment_score":0.12197758257389069},{"text":"Now I've got a statement of advice to send through to you from our recent review discussion.","start":18.775,"end":23.735,"sentiment":"neutral","sentiment_score":0.05866680929765982},{"text":"Do you have","start":23.735,"end":24.215,"sentiment":"neutral","sentiment_score":0.008004929559926191}],"sentiment":"neutral","sentiment_score":0.05751389599489895,"channel":0,"num_words":22,"start":18.215,"end":24.215},{"sentences":[{"text":"Yep.","start":24.154999,"end":24.654999,"sentiment":"neutral","sentiment_score":0.0058700814843177795}],"sentiment":"neutral","sentiment_score":0.0058700814843177795,"channel":1,"num_words":1,"start":24.154999,"end":24.654999},{"sentences":[{"text":"a bit of time for me?","start":24.215,"end":25.515,"sentiment":"neutral","sentiment_score":-0.0019013858400285244}],"sentiment":"neutral","sentiment_score":-0.0019013858400285244,"channel":0,"num_words":6,"start":24.215,"end":25.515},{"sentences":[{"text":"Yep.","start":25.515,"end":25.95,"sentiment":"neutral","sentiment_score":0.1008041501045227}],"sentiment":"neutral","sentiment_score":0.1008041501045227,"channel":1,"num_words":1,"start":25.515,"end":25.95},{"sentences":[{"text":"Amazing.","start":26.55,"end":27.05,"sentiment":"neutral","sentiment_score":0.3324170708656311},{"text":"So just before I send through this email, I'm just gonna do the quick security check with you if that's 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ever seen one of these little graphs before with the green and","start":584.85504,"end":587.97504,"sentiment":"neutral","sentiment_score":0.07563002327723163}],"sentiment":"neutral","sentiment_score":0.07852315116259787,"channel":0,"num_words":27,"start":578.82996,"end":587.97504},{"sentences":[{"text":"No worries.","start":587.74,"end":588.39996,"sentiment":"neutral","sentiment_score":0.06993420794606209}],"sentiment":"neutral","sentiment_score":0.06993420794606209,"channel":1,"num_words":2,"start":587.74,"end":588.39996},{"sentences":[{"text":"the blue?","start":587.97504,"end":588.555,"sentiment":"neutral","sentiment_score":0.0675473902374506},{"text":"So what we've done is we've essentially projected up your balance up until retirement age, and then we put that through the government calculator to say how much income can that produce, and will that match your goal of a thousand dollars a 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98.","start":605.24,"end":607.905,"sentiment":"neutral","sentiment_score":0.1399704453845819}],"sentiment":"neutral","sentiment_score":0.1399704453845819,"channel":0,"num_words":6,"start":605.24,"end":607.905},{"sentences":[{"text":"Wow.","start":609.12,"end":609.62,"sentiment":"positive","sentiment_score":0.5117487907409668}],"sentiment":"positive","sentiment_score":0.5117487907409668,"channel":1,"num_words":1,"start":609.12,"end":609.62},{"sentences":[{"text":"So what that really means is we can essentially say that we believe you will be on track.","start":609.505,"end":614.80505,"sentiment":"positive","sentiment_score":0.5491905063390732}],"sentiment":"positive","sentiment_score":0.5491905063390732,"channel":0,"num_words":18,"start":609.505,"end":614.80505},{"sentences":[{"text":"Cool.","start":614.88,"end":615.38,"sentiment":"positive","sentiment_score":0.7373733520507812},{"text":"Nice.","start":615.92,"end":616.42,"sentiment":"positive","sentiment_score":0.748919665813446}],"sentiment":"positive","sentiment_score":0.7431465089321136,"channel":1,"num_words":2,"start":614.88,"end":616.42},{"sentences":[{"text":"Cool.","start":617.265,"end":617.765,"sentiment":"neutral","sentiment_score":0.11285959929227828},{"text":"I know I've just kind of gone quite quickly in what we're doing and why.","start":618.54504,"end":622.48505,"sentiment":"neutral","sentiment_score":-0.018042735258738198},{"text":"Does it make sense?","start":622.98,"end":623.86,"sentiment":"neutral","sentiment_score":0.025649997405707836},{"text":"Do you have any questions for me?","start":623.86,"end":625.32,"sentiment":"neutral","sentiment_score":0.004568852750318391}],"sentiment":"neutral","sentiment_score":-0.0008592396560642454,"channel":0,"num_words":27,"start":617.265,"end":625.32},{"sentences":[{"text":"Yeah.","start":625.59503,"end":625.755,"sentiment":"neutral","sentiment_score":-0.01680164597928524},{"text":"No.","start":625.755,"end":625.995,"sentiment":"neutral","sentiment_score":-0.116692453622818},{"text":"That makes all all sense considering","start":625.995,"end":628.335,"sentiment":"neutral","sentiment_score":-0.0861675168077151}],"sentiment":"neutral","sentiment_score":-0.08131240005604923,"channel":1,"num_words":8,"start":625.59503,"end":628.335},{"sentences":[{"text":"Cool.","start":628.33997,"end":628.83997,"sentiment":"neutral","sentiment_score":-0.13005074858665466}],"sentiment":"neutral","sentiment_score":-0.13005074858665466,"channel":0,"num_words":1,"start":628.33997,"end":628.83997},{"sentences":[{"text":"I have no idea.","start":628.47504,"end":629.455,"sentiment":"neutral","sentiment_score":-0.2913672477006912},{"text":"No.","start":629.59503,"end":629.835,"sentiment":"neutral","sentiment_score":-0.25559890270233154},{"text":"I'm joking that far.","start":629.835,"end":631.215,"sentiment":"neutral","sentiment_score":-0.25560373067855835},{"text":"That's why you do the investing because I don't know.","start":631.88,"end":634.54,"sentiment":"neutral","sentiment_score":-0.09439131803810596},{"text":"But","start":634.92,"end":635.16,"sentiment":"neutral","sentiment_score":-0.022389598190784454}],"sentiment":"neutral","sentiment_score":-0.17048927973955869,"channel":1,"num_words":20,"start":628.47504,"end":635.16},{"sentences":[{"text":"Yeah.","start":635.06,"end":635.56,"sentiment":"neutral","sentiment_score":0.0047418177127838135}],"sentiment":"neutral","sentiment_score":0.0047418177127838135,"channel":0,"num_words":1,"start":635.06,"end":635.56},{"sentences":[{"text":"no.","start":635.24,"end":635.48,"sentiment":"neutral","sentiment_score":0.1264842301607132},{"text":"Sounds good.","start":635.48,"end":636.3,"sentiment":"positive","sentiment_score":0.5624472796916962}],"sentiment":"positive","sentiment_score":0.41712626318136853,"channel":1,"num_words":3,"start":635.24,"end":636.3},{"sentences":[{"text":"Cool.","start":636.635,"end":636.875,"sentiment":"positive","sentiment_score":0.5242061614990234},{"text":"And one of the things that we'll do as we go along is every year, we're gonna keep checking to see how it's tracking because, obviously, markets go up and down.","start":636.875,"end":644.575,"sentiment":"neutral","sentiment_score":0.16817915307417994},{"text":"And then once you get a bit closer, we're gonna start, like, reducing your risk level a little bit to make sure that you're not getting to, you know, a year before retirement and a third of your super gets wiped out from the stock market.","start":644.715,"end":656.74,"sentiment":"neutral","sentiment_score":-0.0010925235793642373}],"sentiment":"neutral","sentiment_score":0.07291671566856213,"channel":0,"num_words":78,"start":636.635,"end":656.74},{"sentences":[{"text":"Yeah.","start":657.715,"end":658.215,"sentiment":"neutral","sentiment_score":0.05029087886214256}],"sentiment":"neutral","sentiment_score":0.05029087886214256,"channel":1,"num_words":1,"start":657.715,"end":658.215},{"sentences":[{"text":"K?","start":658.88,"end":659.38,"sentiment":"neutral","sentiment_score":0.04805456101894379},{"text":"The rest of the document is essentially just a reminder about the wills and power of attorney.","start":659.68,"end":663.68,"sentiment":"neutral","sentiment_score":0.11916101241812986},{"text":"And, again, I I don't need to remind you why that's probably a good idea to have in place.","start":663.68,"end":667.505,"sentiment":"neutral","sentiment_score":0.1777618856806504}],"sentiment":"neutral","sentiment_score":0.14733155675836512,"channel":0,"num_words":37,"start":658.88,"end":667.505},{"sentences":[{"text":"Yeah.","start":667.91,"end":668.41,"sentiment":"neutral","sentiment_score":0.04253702610731125}],"sentiment":"neutral","sentiment_score":0.04253702610731125,"channel":1,"num_words":1,"start":667.91,"end":668.41},{"sentences":[{"text":"Again, we can't actually set up a will.","start":669.165,"end":670.925,"sentiment":"neutral","sentiment_score":-0.05535841954406351},{"text":"Like, you have to go to a solicitor, public trustee, or the post office.","start":670.925,"end":674.705,"sentiment":"neutral","sentiment_score":-0.018642241268285682},{"text":"And then we've really just got some, we've just redisclosed the fees at the back that we're charging.","start":676.045,"end":682.08,"sentiment":"neutral","sentiment_score":0.019559017072121303}],"sentiment":"neutral","sentiment_score":-0.008794910670258105,"channel":0,"num_words":40,"start":669.165,"end":682.08},{"sentences":[{"text":"Mhmm.","start":682.055,"end":682.455,"sentiment":"neutral","sentiment_score":0.027458431199193},{"text":"Mhmm.","start":682.455,"end":682.955,"sentiment":"neutral","sentiment_score":0.04631538316607475}],"sentiment":"neutral","sentiment_score":0.03688690718263388,"channel":1,"num_words":2,"start":682.055,"end":682.955},{"sentences":[{"text":"And implementation wise, if you're comfortable with this strategy, you can essentially sign the authority to proceed, and then we will basically do a rollover and an investment switch from our system.","start":682.46,"end":693.92,"sentiment":"neutral","sentiment_score":0.1629181078169495},{"text":"Alrighty.","start":696.995,"end":697.495,"sentiment":"positive","sentiment_score":0.3353758454322815},{"text":"Nice and easy today, but any last questions for me before I let you go?","start":698.19495,"end":701.815,"sentiment":"neutral","sentiment_score":0.3250272850195567}],"sentiment":"neutral","sentiment_score":0.21717009522641698,"channel":0,"num_words":48,"start":682.46,"end":701.815},{"sentences":[{"text":"Awesome.","start":701.73,"end":701.97,"sentiment":"neutral","sentiment_score":0.2633393406867981},{"text":"No.","start":701.97,"end":702.37,"sentiment":"neutral","sentiment_score":-0.15185564756393433},{"text":"I don't think so.","start":702.37,"end":703.50995,"sentiment":"neutral","sentiment_score":-0.21072395145893097}],"sentiment":"neutral","sentiment_score":-0.12190201878547668,"channel":1,"num_words":6,"start":701.73,"end":703.50995},{"sentences":[{"text":"Cool.","start":704.19495,"end":704.675,"sentiment":"neutral","sentiment_score":0.3251095414161682},{"text":"Well, what'll happen from here, Josephine, is that I will get that implemented once it comes through signed.","start":704.675,"end":709.8,"sentiment":"neutral","sentiment_score":0.28237098455429077},{"text":"The team will kinda just save it off in the file.","start":709.8,"end":712.13995,"sentiment":"neutral","sentiment_score":0.27419845353473316},{"text":"You'll get a signed copy as well, and we'll get all that moving.","start":712.2,"end":715.66,"sentiment":"positive","sentiment_score":0.33609426480073196},{"text":"I will be going on leave again, like I was saying, in a few weeks' time.","start":715.95996,"end":719.89996,"sentiment":"neutral","sentiment_score":0.09970284672454}],"sentiment":"neutral","sentiment_score":0.24387188546233257,"channel":0,"num_words":59,"start":704.19495,"end":719.89996},{"sentences":[{"text":"But if you have any questions, like, just email back, call the team, and there's a whole group of advisers here that can help until I get back at the end of June.","start":720.03503,"end":729.495,"sentiment":"neutral","sentiment_score":0.07314863925178845}],"sentiment":"neutral","sentiment_score":0.07314863925178845,"channel":0,"num_words":33,"start":720.03503,"end":729.495},{"sentences":[{"text":"Awesome.","start":730.085,"end":730.585,"sentiment":"positive","sentiment_score":0.846268892288208},{"text":"Enjoy your holiday.","start":730.645,"end":731.705,"sentiment":"positive","sentiment_score":0.8287267486254374}],"sentiment":"positive","sentiment_score":0.8331122845411301,"channel":1,"num_words":4,"start":730.085,"end":731.705},{"sentences":[{"text":"I will.","start":732.37,"end":732.85,"sentiment":"positive","sentiment_score":0.7237121760845184},{"text":"I'm gonna have a fantastic time, and thank you for your time today.","start":732.85,"end":736.94995,"sentiment":"positive","sentiment_score":0.830272573691148}],"sentiment":"positive","sentiment_score":0.8160645206769307,"channel":0,"num_words":15,"start":732.37,"end":736.94995},{"sentences":[{"text":"No worries.","start":737.125,"end":737.84503,"sentiment":"positive","sentiment_score":0.4553249031305313},{"text":"Thank you.","start":737.84503,"end":738.585,"sentiment":"positive","sentiment_score":0.7567639648914337}],"sentiment":"positive","sentiment_score":0.6060444340109825,"channel":1,"num_words":4,"start":737.125,"end":738.585},{"sentences":[{"text":"Awesome, Joe.","start":738.76996,"end":739.32996,"sentiment":"positive","sentiment_score":0.7767232060432434},{"text":"Talk to you soon.","start":739.32996,"end":740.05,"sentiment":"positive","sentiment_score":0.6329570263624191},{"text":"I'll see you later.","start":740.05,"end":740.87,"sentiment":"positive","sentiment_score":0.4730975925922394}],"sentiment":"positive","sentiment_score":0.5977664887905121,"channel":0,"num_words":10,"start":738.76996,"end":740.87},{"sentences":[{"text":"Okay.","start":740.965,"end":741.365,"sentiment":"neutral","sentiment_score":0.2196217030286789},{"text":"Bye.","start":741.365,"end":741.865,"sentiment":"neutral","sentiment_score":0.1975443959236145}],"sentiment":"neutral","sentiment_score":0.2085830494761467,"channel":1,"num_words":2,"start":740.965,"end":741.865},{"sentences":[{"text":"Bye.","start":742.29,"end":742.79,"sentiment":"neutral","sentiment_score":-0.11400216817855836}],"sentiment":"neutral","sentiment_score":-0.11400216817855836,"channel":0,"num_words":1,"start":742.29,"end":742.79}]},"summary":{"result":"success","short":"The speakers discuss updating Joe's portfolio and risk profile, renovating the kitchen, building a veranda, and risk management. They provide guidance on accessing and reading the risk profile and emphasize the importance of maintaining a balanced fund. The process of risk management is discussed, including budgeting, debt management, and risk profiles. The speakers emphasize the benefits of running two super funds and the importance of setting up a will. The team of advisers can assist until the end of June, and the caller is advised to email any questions and reminds to include a team of advisers."},"intents":{"segments":[{"text":"Now I've got a statement of advice to send through to you from our recent review discussion. Do you have Yep.","start_word":51,"end_word":71,"intents":[{"intent":"Send statement of advice","confidence_score":0.091888115}]},{"text":"Could you please confirm your date of birth and address?","start_word":123,"end_word":132,"intents":[{"intent":"Verify identity","confidence_score":0.019649236}]},{"text":"Now I've got this advice document to send through with a few supporting documents with it. Will you be able to access to your Gmail account today to look on with me? Alright.","start_word":151,"end_word":183,"intents":[{"intent":"Access gmail account","confidence_score":0.27678552}]},{"text":"I'll just review the document. Perfect. And you should see that nice beachfront city view with your name there and the the date of the May 13 and my details and license number down the bottom. So Alrighty.","start_word":277,"end_word":314,"intents":[{"intent":"Review document","confidence_score":0.4942078}]},{"text":"Now do you remember what we were looking to change from our last conversation? Does any of that kind of ring a bell? Not No.","start_word":336,"end_word":360,"intents":[{"intent":"Recall previous conversation","confidence_score":0.04896884}]},{"text":"The main thing was we were just doing a quick review of your portfolio in the super because one of the investment options wasn't doing too well. The rest Yep.","start_word":408,"end_word":437,"intents":[{"intent":"Review portfolios","confidence_score":0.0011900072}]},{"text":"If you're on the next page, you'll see that we've just added in a couple of reminders for estate planning just to make sure that the will and the power of attorney are in place and up to date just as that kind of yearly reminder Okay.","start_word":461,"end_word":507,"intents":[{"intent":"Incorporate reminders","confidence_score":0.005798181},{"intent":"Include recommendations in planning","confidence_score":0.000021534079}]},{"text":"got, like, budgeting and cash flow and debt. Basically, just saying, we're reviewing the super investments at the moment. We're not giving you budgeting advice, debt management advice. You're kind of managing the repayments of of debt, paying down the mortgage, your renovations, all of that yourself. Yes.","start_word":577,"end_word":624,"intents":[{"intent":"Consider budgeting and cash flow planning","confidence_score":0.0014835743}]},{"text":"If you skip through a couple more pages on the about you section, I've put in all the details that we updated during your review on page seven and eight.","start_word":676,"end_word":705,"intents":[{"intent":"Update page ten pages","confidence_score":0.000036536534}]},{"text":"If you skip through a couple more pages on the about you section, I've put in all the details that we updated during your review on page seven and eight. And if you go to page eight, we've got your assets and liabilities where we've got the main residence. You've got your car.","start_word":676,"end_word":728,"intents":[{"intent":"Update page eight of details","confidence_score":0.0018181923}]},{"text":"there's obviously no guarantees when you pick investments that we can control the weather and whether the market goes up or down.","start_word":1041,"end_word":1062,"intents":[{"intent":"Recommend investment options","confidence_score":0.006058553}]},{"text":"So, basically, the 10,000 is the minimum you need to keep in your super fund plus a buffer to make sure the insurances don't disappear. Right. Everything else we can move across into the main portfolio. And I did have a quick check on transfer terms to see if I could actually move your insurances across, but you don't have the eligibility for that right now. No. K.","start_word":1112,"end_word":1179,"intents":[{"intent":"Guide super funds towards portfolio","confidence_score":2.6147537e-8}]},{"text":"The difference is in investment fees will go down a little bit. Admin fees will go up a little bit because Hub's a bit more expensive than AustralianSuper, but the investments are lower fees. Right. Okay.","start_word":1530,"end_word":1565,"intents":[{"intent":"Comparing fees and performance","confidence_score":0.033681635}]},{"text":"And then on the one after that, we have a retirement analysis. Have you ever seen one of these little graphs before with the green and No worries.","start_word":1713,"end_word":1740,"intents":[{"intent":"Providing retirement analysis","confidence_score":0.010755274}]},{"text":"So what we've done is we've essentially projected up your balance up until retirement age, and then we put that through the government calculator to say how much income can that produce, and will that match your goal of a thousand dollars a week? And it says you'll be able to produce a lot more than that all Yes.","start_word":1743,"end_word":1801,"intents":[{"intent":"Providing income calculator","confidence_score":0.0018858906}]},{"text":"So what that really means is we can essentially say that we believe you will be on track. Cool. Nice. Cool.","start_word":1809,"end_word":1829,"intents":[{"intent":"Confirming understanding","confidence_score":0.0802192}]},{"text":"Again, we can't actually set up a will. Like, you have to go to a solicitor, public trustee, or the post office. And then we've really just got some, we've just redisclosed the fees at the back that we're charging. Mhmm.","start_word":2006,"end_word":2046,"intents":[{"intent":"Set up and implement policy","confidence_score":0.0001533862}]}]},"sentiments":{"segments":[{"text":"Hello? Jo speaking. Hi, Joe. It's Tony here, senior adviser from Oakview. How have you been? I'm not too bad.","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.12659746408462524},{"text":"Thanks. How are you? Living the dream so far and having a fantastic day, and much better talking to you.","start_word":20,"end_word":39,"sentiment":"positive","sentiment_score":0.6410291790962219},{"text":"Pardon?","start_word":40,"end_word":40,"sentiment":"neutral","sentiment_score":0.06464099884033203},{"text":"Much better talking to you today. Thank you.","start_word":41,"end_word":48,"sentiment":"positive","sentiment_score":0.4418658912181854},{"text":"No worries. Now I've got a statement of advice to send through to you from our recent review discussion. Do you have Yep. a bit of time for me? Yep. Amazing. So just before I send through this email, I'm just gonna do the quick security check with you if that's okay. Sure. Awesome. Joe, are you okay for the calls to be recorded? Sure. And I am registered with Asik as adviser 1273105. Could you please confirm your date of birth and address? Date of birth, twenty one twelve sixty seven, and '29 Yep. Loringa Court, Craigmore, South Australia 5114.","start_word":49,"end_word":149,"sentiment":"neutral","sentiment_score":0.06836364418268204},{"text":"Fantastic.","start_word":150,"end_word":150,"sentiment":"positive","sentiment_score":0.5807060599327087},{"text":"Now I've got this advice document to send through with a few supporting documents with it. Will you be able to access to your Gmail account today to look on with me? Alright. I'm gonna pop it through now. Now just remind us that this is coming through from a system called sign now. We just had a little bit of a a block on our Odoo sign, so it might look a little bit different, a little bit more blue than the purple this time. Right. Now it should come through to your main inbox. It may go through to spam, but it's usually pretty quick. Do you wanna grab your email up and just see if that comes through okay? Looks like I have. I'll just review the document.","start_word":151,"end_word":281,"sentiment":"neutral","sentiment_score":0.0500187911093235},{"text":"Perfect.","start_word":282,"end_word":282,"sentiment":"positive","sentiment_score":0.3669990003108978},{"text":"And you should see that nice beachfront city view with your name there and the the date of the May 13 and my details and license number down the bottom. So Alrighty. So does that come through okay? Yeah. Yep. It's not too blurry or anything like that, is it? No. Beautiful. Alright. Now do you remember what we were looking to change from our last conversation? Does any of that kind of ring a bell? Not No. a That's 100 totally percent, fine. but I I know we did discuss these, but I'm like, Cool. So if you could pop down to pages three and four for me, you'll see the scope of advice.","start_word":283,"end_word":397,"sentiment":"neutral","sentiment_score":0.08533183595408564},{"text":"Nice little blue heading there.","start_word":398,"end_word":402,"sentiment":"positive","sentiment_score":0.578432023525238},{"text":"Scope Yep. of advice considered. The main thing was we were just doing a quick review of your portfolio in the super because one of the investment options wasn't doing too well. The rest Yep.","start_word":403,"end_word":437,"sentiment":"neutral","sentiment_score":0.0978713408112526},{"text":"of it was doing great, and then we do have that balances built up in your Australian Super Fund as well.","start_word":438,"end_word":458,"sentiment":"positive","sentiment_score":0.4793064594268799},{"text":"Yep.","start_word":459,"end_word":459,"sentiment":"neutral","sentiment_score":0.2993380129337311},{"text":"Perfect.","start_word":460,"end_word":460,"sentiment":"positive","sentiment_score":0.52376788854599},{"text":"If you're on the next page, you'll see that we've just added in a couple of reminders for estate planning just to make sure that the will and the power of attorney are in place and up to date just as that kind of yearly reminder Okay. in the background. Yep. And then insurance wise, we were pretty much going to leave your insurances as they were. Yep. We're not looking to replace anything, but we factored in the premiums for projections and the cost. Yep. Cool. And then the last couple of things on the scope, if you go to that next page on five, you'll see scope of advice not considered. And it's Yep. got, like, budgeting and cash flow and debt. Basically, just saying, we're reviewing the super investments at the moment. We're not giving you budgeting advice, debt management advice. You're kind of managing the repayments of of debt, paying down the mortgage, your renovations, all of that yourself. Yes. And I've included there that you're gonna renovate the yard, the kitchen, build a bit of a veranda. So you've got a lot of, like, a lot of ticks that you need to do with all of your cash flow going to Yep. the renovations. Does that sound right? Yep.","start_word":461,"end_word":674,"sentiment":"neutral","sentiment_score":0.05039899796247482},{"text":"Perfect.","start_word":675,"end_word":675,"sentiment":"positive","sentiment_score":0.3709834218025207},{"text":"If you skip through a couple more pages on the about you section, I've put in all the details that we updated during your review on page seven and eight. And if you go to page eight, we've got your assets and liabilities where we've got the main residence. You've got your car. You've got the cash in the offset account, the 85,000 there that I've added. And the only loans is just the mortgage and the credit card at this point.","start_word":676,"end_word":757,"sentiment":"neutral","sentiment_score":0.07457603182552791},{"text":"Yes. Perfect.","start_word":758,"end_word":759,"sentiment":"positive","sentiment_score":0.46945226192474365},{"text":"And if you go down through, as you scroll through the document and you go through pages ten and eleven, you'll see your risk profile, which is that kind of growth, four out of five, still focusing mostly on growing the super, but not the high risk. Yes.","start_word":760,"end_word":807,"sentiment":"neutral","sentiment_score":0.1374346911907196},{"text":"Perfect.","start_word":808,"end_word":808,"sentiment":"positive","sentiment_score":0.3888152837753296},{"text":"Now you'll get to a bit of a wordy section on page 12 under strategy recommendations. Can you let me know when you can see that one? I'm there. Cool. So can you see in the middle where it's got best interest duty? Yep. That's essentially my duty to give recommendations to try and meet your goals and leave you in a better position. So this is the explanation of what we're doing and why. And, essentially, what the recommendations are is a little bit of an update to your hub portfolio and a partial rollover from AustralianSuper Yep. into that main hub portfolio and just keeping the minimum to keep the insurances active. Sure. Now we're replacing that Benelong option, which was underperforming, with an option called Alfiniti, which essentially just has lower fees. It's a similar style of investment and much Mhmm. better performance as well. And then we've kind of looked at some projections over the next five to ten years just to make sure that you're on track. Cool. If you go past there, you'll see a lovely long table with all the advantages and disadvantages Sure. on there. Yeah. And, essentially, lower fees, better performance, similar style, similar risk level, and then we factored in things like any capital gains tax within your super just to make sure we've included all the fees and things. And Mhmm. there's obviously no guarantees when you pick investments that we can control the weather and whether the market goes up or down. Yes. Now if you go past that point, you go through to the next big one, which is page 15. And can you let me know when you can see that nice big blue bar that just Yep. talks about the rollover from AustralianSuper? Yep. I'm in there. So, basically, the 10,000 is the minimum you need to keep in your super fund plus a buffer to make sure the insurances don't disappear. Right. Everything else we can move across into the main portfolio. And I did have a quick check on transfer terms to see if I could actually move your insurances across, but you don't have the eligibility for that right now. No. K. So that's all good.","start_word":809,"end_word":1182,"sentiment":"neutral","sentiment_score":0.12965469237636118},{"text":"The main disadvantage, obviously, of running two super funds is you pay that yearly fee to keep the second account open, which Yeah.","start_word":1183,"end_word":1205,"sentiment":"negative","sentiment_score":-0.3501310646533966},{"text":"with Australian super is about $78 for the flat admin fee. Mhmm. Cool. If you go through after that, last couple of pages, on eighteen and nineteen, you'll see a ginormous table with a whole bunch of codes, percentages, and dollar figures, and it's your Zip. investments table. Alrighty. So, essentially, we're just gonna keep the AustralianSuper investment the same because that's in, like, a balanced fund. That's a three out of five on the risk scale. That's just making sure that you're not putting your AustralianSuper in high risk where Mhmm.","start_word":1206,"end_word":1297,"sentiment":"neutral","sentiment_score":0.11552901566028596},{"text":"if the market goes down, your balance goes to 5,000, and they wipe your insurances out.","start_word":1298,"end_word":1313,"sentiment":"negative","sentiment_score":-0.37702369689941406},{"text":"Right. K? Outside of that, if you look at the rest of the table, it's exactly what you've currently got, except in the very middle row, you can see the Benelong concentrated Yep. equities where 43,000 that's being sold down to zero. You're getting rid of that one. And then if you go down to the next page, bottom of the table, you can see Ospiny, which is your replacement option. Okay. Yep. K? If you skip down two more pages, we've got a lovely colored pie chart for your asset allocation. Mhmm. And that's just basically saying growth is usually between, like, 85% shares and property like growth assets. And we're Right. still keeping you within that range, and then it just splits down how much is going in Australian shares and property and gold and cash and all those different assets. Okay. K? And the two main ones to sort of cap it off is a fee comparison on the next page. And you Yep. should be able to see hub and Australian super and then Australian super and hub, and it kinda shows you this is how your balances are currently sitting. And then once we move the money across, that's where they will be sitting after we implement the advice. Okay. K? The difference is in investment fees will go down a little bit. Admin fees will go up a little bit because Hub's a bit more expensive than AustralianSuper, but the investments are lower fees. Right. Okay. K? Bottom of the table is your performance. So comparing both of them combined as it currently sits, 9.38% per year for five years versus 12.57.","start_word":1314,"end_word":1591,"sentiment":"neutral","sentiment_score":0.10419496885842557},{"text":"It's a nice Mhmm. little third jump up there.","start_word":1592,"end_word":1600,"sentiment":"positive","sentiment_score":0.5648467540740967},{"text":"And then on the next page, we've got the updated projection. Just showing over the next five to nine years, we're estimating right about 40 to 80,000 better off with Okay. the rollover and the investment switch. Right. One really cool thing I wanted to point out is, can you see the second table on that page, how it's got all those percentages for twelve months, three Yep. years, five years, and ten? Yep. It's just the consistency. So on the right hand side, it's all pretty well double digits across all time frames, whereas where you've currently got it, it kind of bounces between high, low, high, low. Okay. Yep. K? And then on the one after that, we have a retirement analysis. Have you ever seen one of these little graphs before with the green and No worries. the blue? So what we've done is we've essentially projected up your balance up until retirement age, and then we put that through the government calculator to say how much income can that produce, and will that match your goal of a thousand dollars a week?","start_word":1601,"end_word":1786,"sentiment":"neutral","sentiment_score":0.20749008655548096},{"text":"And it says you'll be able to produce a lot more than that all Yes.","start_word":1787,"end_word":1801,"sentiment":"positive","sentiment_score":0.3593289852142334},{"text":"the way up until age 98.","start_word":1802,"end_word":1807,"sentiment":"neutral","sentiment_score":0.14286431670188904},{"text":"Wow. So what that really means is we can essentially say that we believe you will be on track. Cool. Nice. Cool.","start_word":1808,"end_word":1829,"sentiment":"positive","sentiment_score":0.5770297050476074},{"text":"I know I've just kind of gone quite quickly in what we're doing and why. Does it make sense? Do you have any questions for me? Yeah. No. That makes all all sense considering Cool. I have no idea. No. I'm joking that far. That's why you do the investing because I don't know. But Yeah. no.","start_word":1830,"end_word":1886,"sentiment":"neutral","sentiment_score":-0.08137410134077072},{"text":"Sounds good. Cool.","start_word":1887,"end_word":1889,"sentiment":"positive","sentiment_score":0.5438209772109985},{"text":"And one of the things that we'll do as we go along is every year, we're gonna keep checking to see how it's tracking because, obviously, markets go up and down. And then once you get a bit closer, we're gonna start, like, reducing your risk level a little bit to make sure that you're not getting to, you know, a year before retirement and a third of your super gets wiped out from the stock market. Yeah. K? The rest of the document is essentially just a reminder about the wills and power of attorney. And, again, I I don't need to remind you why that's probably a good idea to have in place. Yeah. Again, we can't actually set up a will. Like, you have to go to a solicitor, public trustee, or the post office. And then we've really just got some, we've just redisclosed the fees at the back that we're charging. Mhmm. Mhmm. And implementation wise, if you're comfortable with this strategy, you can essentially sign the authority to proceed, and then we will basically do a rollover and an investment switch from our system.","start_word":1890,"end_word":2079,"sentiment":"neutral","sentiment_score":0.08454471826553345},{"text":"Alrighty. Nice and easy today, but any last questions for me before I let you go?","start_word":2080,"end_word":2095,"sentiment":"positive","sentiment_score":0.33772167563438416},{"text":"Awesome. No. I don't think so. Cool. Well, what'll happen from here, Josephine, is that I will get that implemented once it comes through signed. The team will kinda just save it off in the file.","start_word":2096,"end_word":2131,"sentiment":"neutral","sentiment_score":0.20164620876312256},{"text":"You'll get a signed copy as well, and we'll get all that moving.","start_word":2132,"end_word":2144,"sentiment":"positive","sentiment_score":0.3379006087779999},{"text":"I will be going on leave again, like I was saying, in a few weeks' time. But if you have any questions, like, just email back, call the team, and there's a whole group of advisers here that can help until I get back at the end of June.","start_word":2145,"end_word":2193,"sentiment":"neutral","sentiment_score":0.0841755182767401},{"text":"Awesome. Enjoy your holiday. I will. I'm gonna have a fantastic time, and thank you for your time today. No worries. Thank you. Awesome, Joe. Talk to you soon. I'll see you later.","start_word":2194,"end_word":2226,"sentiment":"positive","sentiment_score":0.7132388949394226},{"text":"Okay. Bye. Bye.","start_word":2227,"end_word":2229,"sentiment":"neutral","sentiment_score":0.18487590551376343}],"average":{"sentiment":"neutral","sentiment_score":0.12613445995299796}}}}